State Employees'
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
State Employees' 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | State Employees' P.O. Drawer 25279 Raleigh, NC 27611 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 66,038 |
| Total Mortgage Loan Application Amount | $10,481,410,000 |
| Average Mortgage Loan Application Amount | $126,000 |
| Highest Mortgage Loan Application Amount | $2,075,000 |
| Average Applicant Income | $96,250 |
| Highest Applicant Income | $3,086,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with State Employees'. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing State Employees''s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down State Employees''s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how State Employees' serves its applicants.
Each category highlights the total number of mortgage applications processed by State Employees', total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at State Employees''s mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wake County North Carolina | 7,931 | $ 1,461,445,000 | $ 184,000 | $ 116,000 |
| Guilford County North Carolina | 3,350 | $ 502,840,000 | $ 150,000 | $ 87,000 |
| Mecklenburg County North Carolina | 2,899 | $ 501,165,000 | $ 172,000 | $ 105,000 |
| Johnston County North Carolina | 2,439 | $ 404,785,000 | $ 165,000 | $ 94,000 |
| Durham County North Carolina | 2,234 | $ 376,240,000 | $ 168,000 | $ 101,000 |
| Forsyth County North Carolina | 1,750 | $ 269,400,000 | $ 153,000 | $ 86,000 |
| Buncombe County North Carolina | 1,724 | $ 331,380,000 | $ 192,000 | $ 98,000 |
| Alamance County North Carolina | 1,514 | $ 244,720,000 | $ 161,000 | $ 88,000 |
| Cabarrus County North Carolina | 1,489 | $ 245,195,000 | $ 164,000 | $ 95,000 |
| Pitt County North Carolina | 1,405 | $ 187,765,000 | $ 133,000 | $ 95,000 |
| New Hanover County North Carolina | 1,299 | $ 224,695,000 | $ 172,000 | $ 112,000 |
| Orange County North Carolina | 1,220 | $ 230,130,000 | $ 188,000 | $ 122,000 |
| Iredell County North Carolina | 1,107 | $ 180,285,000 | $ 162,000 | $ 88,000 |
| Burke County North Carolina | 1,100 | $ 145,400,000 | $ 132,000 | $ 76,000 |
| Davidson County North Carolina | 1,036 | $ 157,200,000 | $ 151,000 | $ 80,000 |
| Brunswick County North Carolina | 1,003 | $ 195,535,000 | $ 194,000 | $ 107,000 |
| Gaston County North Carolina | 982 | $ 144,180,000 | $ 146,000 | $ 90,000 |
| Rowan County North Carolina | 971 | $ 138,475,000 | $ 142,000 | $ 76,000 |
| Union County North Carolina | 969 | $ 174,625,000 | $ 180,000 | $ 106,000 |
| Wayne County North Carolina | 957 | $ 125,035,000 | $ 130,000 | $ 78,000 |
| Catawba County North Carolina | 955 | $ 137,405,000 | $ 143,000 | $ 89,000 |
| Randolph County North Carolina | 943 | $ 133,895,000 | $ 141,000 | $ 84,000 |
| Stanly County North Carolina | 883 | $ 133,255,000 | $ 150,000 | $ 80,000 |
| Cumberland County North Carolina | 805 | $ 101,405,000 | $ 125,000 | $ 88,000 |
| Wilson County North Carolina | 785 | $ 109,365,000 | $ 139,000 | $ 80,000 |
| Franklin County North Carolina | 782 | $ 137,610,000 | $ 175,000 | $ 88,000 |
| Harnett County North Carolina | 754 | $ 112,240,000 | $ 148,000 | $ 81,000 |
| Henderson County North Carolina | 747 | $ 143,485,000 | $ 192,000 | $ 90,000 |
| Nash County North Carolina | 734 | $ 102,710,000 | $ 139,000 | $ 78,000 |
| Carteret County North Carolina | 697 | $ 137,285,000 | $ 196,000 | $ 129,000 |
| Chatham County North Carolina | 671 | $ 132,235,000 | $ 197,000 | $ 118,000 |
| Granville County North Carolina | 643 | $ 100,905,000 | $ 156,000 | $ 87,000 |
| Caldwell County North Carolina | 639 | $ 79,165,000 | $ 123,000 | $ 75,000 |
| Wilkes County North Carolina | 585 | $ 75,885,000 | $ 129,000 | $ 79,000 |
| Cleveland County North Carolina | 583 | $ 76,665,000 | $ 131,000 | $ 82,000 |
| Surry County North Carolina | 562 | $ 62,980,000 | $ 112,000 | $ 79,000 |
| Rutherford County North Carolina | 547 | $ 69,685,000 | $ 127,000 | $ 80,000 |
| Onslow County North Carolina | 521 | $ 82,705,000 | $ 158,000 | $ 85,000 |
| Rockingham County North Carolina | 499 | $ 57,485,000 | $ 115,000 | $ 69,000 |
| Craven County North Carolina | 488 | $ 66,400,000 | $ 136,000 | $ 86,000 |
| Robeson County North Carolina | 463 | $ 46,665,000 | $ 100,000 | $ 86,000 |
| Lenoir County North Carolina | 436 | $ 47,430,000 | $ 108,000 | $ 74,000 |
| Moore County North Carolina | 435 | $ 68,355,000 | $ 157,000 | $ 95,000 |
| Watauga County North Carolina | 433 | $ 79,845,000 | $ 184,000 | $ 113,000 |
| Lee County North Carolina | 431 | $ 60,755,000 | $ 140,000 | $ 88,000 |
| McDowell County North Carolina | 430 | $ 63,840,000 | $ 148,000 | $ 78,000 |
| Haywood County North Carolina | 421 | $ 76,935,000 | $ 182,000 | $ 86,000 |
| Person County North Carolina | 381 | $ 58,975,000 | $ 154,000 | $ 81,000 |
| Jackson County North Carolina | 380 | $ 64,610,000 | $ 170,000 | $ 96,000 |
| Davie County North Carolina | 376 | $ 55,850,000 | $ 148,000 | $ 85,000 |
| Pender County North Carolina | 373 | $ 67,785,000 | $ 181,000 | $ 102,000 |
| Montgomery County North Carolina | 368 | $ 44,270,000 | $ 120,000 | $ 75,000 |
| Vance County North Carolina | 365 | $ 49,055,000 | $ 134,000 | $ 73,000 |
| Dare County North Carolina | 354 | $ 81,060,000 | $ 228,000 | $ 113,000 |
| Lincoln County North Carolina | 351 | $ 60,135,000 | $ 171,000 | $ 104,000 |
| Beaufort County North Carolina | 348 | $ 47,410,000 | $ 136,000 | $ 97,000 |
| Ashe County North Carolina | 323 | $ 50,555,000 | $ 156,000 | $ 84,000 |
| Richmond County North Carolina | 309 | $ 33,695,000 | $ 109,000 | $ 75,000 |
| Horry County South Carolina | 305 | $ 57,645,000 | $ 189,000 | $ 117,000 |
| Sampson County North Carolina | 291 | $ 35,675,000 | $ 122,000 | $ 83,000 |
| Edgecombe County North Carolina | 287 | $ 31,285,000 | $ 109,000 | $ 73,000 |
| Halifax County North Carolina | 273 | $ 30,775,000 | $ 112,000 | $ 81,000 |
| Macon County North Carolina | 265 | $ 40,025,000 | $ 151,000 | $ 78,000 |
| Duplin County North Carolina | 256 | $ 28,940,000 | $ 113,000 | $ 78,000 |
| Pasquotank County North Carolina | 245 | $ 33,305,000 | $ 135,000 | $ 86,000 |
| Columbus County North Carolina | 228 | $ 29,460,000 | $ 129,000 | $ 84,000 |
| Yadkin County North Carolina | 228 | $ 29,060,000 | $ 127,000 | $ 81,000 |
| Alexander County North Carolina | 227 | $ 27,835,000 | $ 122,000 | $ 84,000 |
| Mitchell County North Carolina | 188 | $ 25,470,000 | $ 135,000 | $ 72,000 |
| Cherokee County North Carolina | 186 | $ 25,490,000 | $ 137,000 | $ 82,000 |
| Scotland County North Carolina | 182 | $ 18,330,000 | $ 100,000 | $ 73,000 |
| Yancey County North Carolina | 182 | $ 24,920,000 | $ 136,000 | $ 84,000 |
| Stokes County North Carolina | 161 | $ 19,005,000 | $ 118,000 | $ 76,000 |
| Hertford County North Carolina | 156 | $ 17,570,000 | $ 112,000 | $ 79,000 |
| Northampton County North Carolina | 150 | $ 15,610,000 | $ 104,000 | $ 68,000 |
| York County South Carolina | 149 | $ 31,825,000 | $ 213,000 | $ 122,000 |
| Warren County North Carolina | 142 | $ 18,500,000 | $ 130,000 | $ 91,000 |
| Hoke County North Carolina | 141 | $ 20,005,000 | $ 141,000 | $ 80,000 |
| Avery County North Carolina | 140 | $ 25,940,000 | $ 185,000 | $ 103,000 |
| Caswell County North Carolina | 140 | $ 19,090,000 | $ 136,000 | $ 70,000 |
| Bladen County North Carolina | 139 | $ 16,725,000 | $ 120,000 | $ 87,000 |
| Chowan County North Carolina | 139 | $ 17,325,000 | $ 124,000 | $ 86,000 |
| Martin County North Carolina | 138 | $ 14,670,000 | $ 106,000 | $ 77,000 |
| Bertie County North Carolina | 136 | $ 13,130,000 | $ 96,000 | $ 67,000 |
| Madison County North Carolina | 136 | $ 25,120,000 | $ 184,000 | $ 95,000 |
| Swain County North Carolina | 134 | $ 20,050,000 | $ 149,000 | $ 81,000 |
| Greene County North Carolina | 133 | $ 13,975,000 | $ 105,000 | $ 74,000 |
| Anson County North Carolina | 126 | $ 15,600,000 | $ 123,000 | $ 64,000 |
| Transylvania County North Carolina | 110 | $ 18,890,000 | $ 171,000 | $ 90,000 |
| Currituck County North Carolina | 105 | $ 19,615,000 | $ 186,000 | $ 99,000 |
| Spartanburg County South Carolina | 97 | $ 19,335,000 | $ 199,000 | $ 94,000 |
| Alleghany County North Carolina | 89 | $ 12,765,000 | $ 143,000 | $ 90,000 |
| Perquimans County North Carolina | 89 | $ 12,195,000 | $ 137,000 | $ 85,000 |
| Washington County North Carolina | 88 | $ 7,730,000 | $ 87,000 | $ 70,000 |
| Pamlico County North Carolina | 87 | $ 11,575,000 | $ 133,000 | $ 93,000 |
| Polk County North Carolina | 82 | $ 15,580,000 | $ 190,000 | $ 82,000 |
| Clay County North Carolina | 76 | $ 12,390,000 | $ 163,000 | $ 84,000 |
| Lancaster County South Carolina | 74 | $ 15,670,000 | $ 211,000 | $ 104,000 |
| Graham County North Carolina | 73 | $ 9,935,000 | $ 136,000 | $ 83,000 |
| Tyrrell County North Carolina | 70 | $ 7,890,000 | $ 112,000 | $ 70,000 |
| Jones County North Carolina | 58 | $ 6,630,000 | $ 114,000 | $ 80,000 |
| Greenville County South Carolina | 54 | $ 12,500,000 | $ 231,000 | $ 120,000 |
| Gates County North Carolina | 46 | $ 5,590,000 | $ 121,000 | $ 75,000 |
| Camden County North Carolina | 41 | $ 6,945,000 | $ 169,000 | $ 101,000 |
| Fulton County Georgia | 35 | $ 8,515,000 | $ 243,000 | $ 143,000 |
| Charleston County South Carolina | 34 | $ 9,730,000 | $ 286,000 | $ 155,000 |
| Mecklenburg County Virginia | 33 | $ 5,905,000 | $ 178,000 | $ 136,000 |
| DeKalb County Georgia | 32 | $ 7,430,000 | $ 232,000 | $ 148,000 |
| Richland County South Carolina | 32 | $ 5,610,000 | $ 175,000 | $ 106,000 |
| Chesterfield County South Carolina | 30 | $ 4,690,000 | $ 156,000 | $ 60,000 |
| Carroll County Virginia | 30 | $ 4,230,000 | $ 141,000 | $ 117,000 |
| Danville County Virginia | 29 | $ 2,285,000 | $ 78,000 | $ 88,000 |
| Cobb County Georgia | 23 | $ 6,105,000 | $ 265,000 | $ 147,000 |
| Hyde County North Carolina | 23 | $ 1,985,000 | $ 86,000 | $ 64,000 |
| Lexington County South Carolina | 19 | $ 3,305,000 | $ 173,000 | $ 90,000 |
| Cherokee County South Carolina | 18 | $ 3,560,000 | $ 197,000 | $ 86,000 |
| Beaufort County South Carolina | 17 | $ 4,225,000 | $ 248,000 | $ 167,000 |
| Johnson County Tennessee | 16 | $ 2,230,000 | $ 139,000 | $ 62,000 |
| Patrick County Virginia | 16 | $ 1,540,000 | $ 96,000 | $ 83,000 |
| Halifax County Virginia | 14 | $ 1,560,000 | $ 111,000 | $ 71,000 |
| Marlboro County South Carolina | 13 | $ 955,000 | $ 73,000 | $ 55,000 |
| Carter County Tennessee | 13 | $ 2,235,000 | $ 171,000 | $ 70,000 |
| Chesapeake County Virginia | 13 | $ 2,805,000 | $ 215,000 | $ 102,000 |
| Georgetown County South Carolina | 12 | $ 2,460,000 | $ 205,000 | $ 136,000 |
| Oconee County South Carolina | 12 | $ 2,230,000 | $ 185,000 | $ 106,000 |
| Chesterfield County Virginia | 12 | $ 3,430,000 | $ 285,000 | $ 98,000 |
| Pittsylvania County Virginia | 12 | $ 1,260,000 | $ 105,000 | $ 86,000 |
| Chatham County Georgia | 11 | $ 1,895,000 | $ 172,000 | $ 98,000 |
| Anderson County South Carolina | 11 | $ 2,165,000 | $ 196,000 | $ 185,000 |
| Hamilton County Tennessee | 11 | $ 2,905,000 | $ 264,000 | $ 133,000 |
| Henrico County Virginia | 11 | $ 1,665,000 | $ 151,000 | $ 130,000 |
| Henry County Virginia | 11 | $ 1,035,000 | $ 94,000 | $ 54,000 |
| Newport News County Virginia | 10 | $ 1,470,000 | $ 147,000 | $ 84,000 |
| Washington County Tennessee | 9 | $ 2,325,000 | $ 258,000 | $ 105,000 |
| Virginia Beach County Virginia | 9 | $ 1,895,000 | $ 210,000 | $ 400,000 |
| Union County Georgia | 8 | $ 1,210,000 | $ 151,000 | $ 88,000 |
| Berkeley County South Carolina | 8 | $ 1,650,000 | $ 206,000 | $ 108,000 |
| Chester County South Carolina | 8 | $ 1,120,000 | $ 140,000 | $ 57,000 |
| Darlington County South Carolina | 8 | $ 810,000 | $ 101,000 | $ 57,000 |
| Dillon County South Carolina | 8 | $ 760,000 | $ 95,000 | $ 53,000 |
| Florence County South Carolina | 8 | $ 1,660,000 | $ 207,000 | $ 113,000 |
| Bedford County Virginia | 8 | $ 1,370,000 | $ 171,000 | $ 159,000 |
| Prince William County Virginia | 8 | $ 2,380,000 | $ 297,000 | $ 129,000 |
| Roanoke County Virginia | 8 | $ 1,700,000 | $ 212,000 | $ 132,000 |
| Gwinnett County Georgia | 7 | $ 2,345,000 | $ 335,000 | $ 126,000 |
| Knox County Tennessee | 7 | $ 1,265,000 | $ 180,000 | $ 98,000 |
| Sullivan County Tennessee | 7 | $ 1,165,000 | $ 166,000 | $ 99,000 |
| Unicoi County Tennessee | 7 | $ 1,445,000 | $ 206,000 | $ 71,000 |
| Franklin County Virginia | 7 | $ 3,365,000 | $ 480,000 | $ 277,000 |
| Norfolk County Virginia | 7 | $ 1,175,000 | $ 167,000 | $ 99,000 |
| Forsyth County Georgia | 6 | $ 1,610,000 | $ 268,000 | $ 192,000 |
| Jackson County Georgia | 6 | $ 1,800,000 | $ 300,000 | $ 189,000 |
| Richmond County Georgia | 6 | $ 690,000 | $ 115,000 | $ 128,000 |
| Towns County Georgia | 6 | $ 1,070,000 | $ 178,000 | $ 110,000 |
| Walton County Georgia | 6 | $ 1,130,000 | $ 188,000 | $ 78,000 |
| Aiken County South Carolina | 6 | $ 760,000 | $ 126,000 | $ 111,000 |
| Pickens County South Carolina | 6 | $ 890,000 | $ 148,000 | $ 88,000 |
| Grayson County Virginia | 6 | $ 1,550,000 | $ 258,000 | $ 126,000 |
| Smyth County Virginia | 6 | $ 1,060,000 | $ 176,000 | $ 82,000 |
| Habersham County Georgia | 5 | $ 955,000 | $ 191,000 | $ 49,000 |
| Henry County Georgia | 5 | $ 1,025,000 | $ 205,000 | $ 103,000 |
| Clarendon County South Carolina | 5 | $ 975,000 | $ 195,000 | $ 148,000 |
| Laurens County South Carolina | 5 | $ 755,000 | $ 151,000 | $ 112,000 |
| Greene County Tennessee | 5 | $ 1,115,000 | $ 223,000 | $ 92,000 |
| Jefferson County Tennessee | 5 | $ 985,000 | $ 197,000 | $ 97,000 |
| Fairfax County Virginia | 5 | $ 1,485,000 | $ 297,000 | $ 130,000 |
| Galax County Virginia | 5 | $ 305,000 | $ 61,000 | $ 55,000 |
| Roanoke City County Virginia | 5 | $ 1,045,000 | $ 209,000 | $ 85,000 |
| Carroll County Georgia | 4 | $ 1,190,000 | $ 297,000 | $ 75,000 |
| Clayton County Georgia | 4 | $ 880,000 | $ 220,000 | $ 79,000 |
| Dorchester County South Carolina | 4 | $ 1,070,000 | $ 267,000 | $ 119,000 |
| Fairfield County South Carolina | 4 | $ 700,000 | $ 175,000 | $ 57,000 |
| Kershaw County South Carolina | 4 | $ 2,340,000 | $ 585,000 | $ 264,000 |
| Orangeburg County South Carolina | 4 | $ 330,000 | $ 82,000 | $ 72,000 |
| Davidson County Tennessee | 4 | $ 1,730,000 | $ 432,000 | $ 173,000 |
| Hamblen County Tennessee | 4 | $ 940,000 | $ 235,000 | $ 116,000 |
| Hawkins County Tennessee | 4 | $ 690,000 | $ 172,000 | $ 48,000 |
| Sevier County Tennessee | 4 | $ 700,000 | $ 175,000 | $ 175,000 |
| Shelby County Tennessee | 4 | $ 850,000 | $ 212,000 | $ 59,000 |
| Floyd County Virginia | 4 | $ 350,000 | $ 87,000 | $ 211,000 |
| Hampton County Virginia | 4 | $ 330,000 | $ 82,000 | $ 82,000 |
| Portsmouth County Virginia | 4 | $ 530,000 | $ 132,000 | $ 101,000 |
| Scott County Virginia | 4 | $ 620,000 | $ 155,000 | $ 122,000 |
| Suffolk County Virginia | 4 | $ 710,000 | $ 177,000 | $ 70,000 |
| Bibb County Georgia | 3 | $ 335,000 | $ 111,000 | $ 53,000 |
| Clarke County Georgia | 3 | $ 715,000 | $ 238,000 | $ 173,000 |
| Columbia County Georgia | 3 | $ 805,000 | $ 268,000 | $ 126,000 |
| Coweta County Georgia | 3 | $ 415,000 | $ 138,000 | $ 165,000 |
| Fannin County Georgia | 3 | $ 1,765,000 | $ 588,000 | $ 438,000 |
| Newton County Georgia | 3 | $ 645,000 | $ 215,000 | $ 134,000 |
| Greenwood County South Carolina | 3 | $ 495,000 | $ 165,000 | $ 183,000 |
| Williamsburg County South Carolina | 3 | $ 285,000 | $ 95,000 | $ 111,000 |
| Sumner County Tennessee | 3 | $ 1,175,000 | $ 391,000 | $ 257,000 |
| Albemarle County Virginia | 3 | $ 505,000 | $ 168,000 | $ 116,000 |
| Arlington County Virginia | 3 | $ 665,000 | $ 221,000 | $ 125,000 |
| Bristol County Virginia | 3 | $ 445,000 | $ 148,000 | $ 106,000 |
| Brunswick County Virginia | 3 | $ 725,000 | $ 241,000 | $ 58,000 |
| Isle of Wight County Virginia | 3 | $ 465,000 | $ 155,000 | $ 63,000 |
| Loudoun County Virginia | 3 | $ 545,000 | $ 181,000 | $ 226,000 |
| Lynchburg County Virginia | 3 | $ 535,000 | $ 178,000 | $ 197,000 |
| Martinsville County Virginia | 3 | $ 155,000 | $ 51,000 | $ 79,000 |
| Montgomery County Virginia | 3 | $ 605,000 | $ 201,000 | $ 104,000 |
| Washington County Virginia | 3 | $ 465,000 | $ 155,000 | $ 24,000 |
| Wythe County Virginia | 3 | $ 905,000 | $ 301,000 | $ 131,000 |
| Brooks County Georgia | 2 | $ 430,000 | $ 215,000 | $ 48,000 |
| Bulloch County Georgia | 2 | $ 320,000 | $ 160,000 | $ 116,000 |
| Fayette County Georgia | 2 | $ 80,000 | $ 40,000 | $ 159,000 |
| Floyd County Georgia | 2 | $ 300,000 | $ 150,000 | $ 61,000 |
| Liberty County Georgia | 2 | $ 120,000 | $ 60,000 | $ 56,000 |
| Muscogee County Georgia | 2 | $ 320,000 | $ 160,000 | $ 110,000 |
| Paulding County Georgia | 2 | $ 570,000 | $ 285,000 | $ 121,000 |
| Rockdale County Georgia | 2 | $ 820,000 | $ 410,000 | $ 96,000 |
| Calhoun County South Carolina | 2 | $ 680,000 | $ 340,000 | $ 120,000 |
| Marion County South Carolina | 2 | $ 110,000 | $ 55,000 | $ 34,000 |
| Anderson County Tennessee | 2 | $ 200,000 | $ 100,000 | $ 35,000 |
| Cocke County Tennessee | 2 | $ 610,000 | $ 305,000 | $ 316,000 |
| Loudon County Tennessee | 2 | $ 600,000 | $ 300,000 | $ 78,000 |
| Marshall County Tennessee | 2 | $ 490,000 | $ 245,000 | $ 84,000 |
| Accomack County Virginia | 2 | $ 70,000 | $ 35,000 | $ 73,000 |
| Campbell County Virginia | 2 | $ 170,000 | $ 85,000 | $ 67,000 |
| Caroline County Virginia | 2 | $ 260,000 | $ 130,000 | $ 94,000 |
| Greensville County Virginia | 2 | $ 180,000 | $ 90,000 | $ 56,000 |
| Petersburg County Virginia | 2 | $ 310,000 | $ 155,000 | $ 312,000 |
| Powhatan County Virginia | 2 | $ 1,010,000 | $ 505,000 | $ 166,000 |
| Richmond City County Virginia | 2 | $ 870,000 | $ 435,000 | $ 201,000 |
| Wise County Virginia | 2 | $ 130,000 | $ 65,000 | $ 28,000 |
| Bryan County Georgia | 1 | $ 355,000 | $ 355,000 | $ 137,000 |
| Cherokee County Georgia | 1 | $ 285,000 | $ 285,000 | $ 109,000 |
| Douglas County Georgia | 1 | $ 145,000 | $ 145,000 | $ 95,000 |
| Effingham County Georgia | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| Franklin County Georgia | 1 | $ 385,000 | $ 385,000 | $ 129,000 |
| Houston County Georgia | 1 | $ 235,000 | $ 235,000 | $ 63,000 |
| Lanier County Georgia | 1 | $ 345,000 | $ 345,000 | $ 52,000 |
| Meriwether County Georgia | 1 | $ 145,000 | $ 145,000 | $ 94,000 |
| Mitchell County Georgia | 1 | $ 25,000 | $ 25,000 | $ 128,000 |
| Peach County Georgia | 1 | $ 225,000 | $ 225,000 | $ 73,000 |
| Pierce County Georgia | 1 | $ 335,000 | $ 335,000 | $ 225,000 |
| Rabun County Georgia | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| Spalding County Georgia | 1 | $ 25,000 | $ 25,000 | $ 96,000 |
| Whitfield County Georgia | 1 | $ 255,000 | $ 255,000 | $ 127,000 |
| Queens County New York | 1 | $ 35,000 | $ 35,000 | $ 360,000 |
| Westchester County New York | 1 | $ 35,000 | $ 35,000 | $ 300,000 |
| Chester County Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 271,000 |
| Abbeville County South Carolina | 1 | $ 305,000 | $ 305,000 | $ 98,000 |
| Colleton County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 31,000 |
| Jasper County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 105,000 |
| Newberry County South Carolina | 1 | $ 185,000 | $ 185,000 | $ 137,000 |
| Sumter County South Carolina | 1 | $ 35,000 | $ 35,000 | $ 13,000 |
| Union County South Carolina | 1 | $ 225,000 | $ 225,000 | $ 112,000 |
| Blount County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 72,000 |
| Campbell County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 66,000 |
| Carroll County Tennessee | 1 | $ 235,000 | $ 235,000 | $ 85,000 |
| Marion County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 186,000 |
| Montgomery County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| Robertson County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 170,000 |
| Stewart County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 51,000 |
| Warren County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 64,000 |
| Williamson County Tennessee | 1 | $ 375,000 | $ 375,000 | $ 155,000 |
| Anderson County Texas | 1 | $ 35,000 | $ 35,000 | $ 240,000 |
| Alleghany County Virginia | 1 | $ 75,000 | $ 75,000 | $ 27,000 |
| Amelia County Virginia | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Bath County Virginia | 1 | $ 245,000 | $ 245,000 | $ 152,000 |
| Botetourt County Virginia | 1 | $ 295,000 | $ 295,000 | $ 77,000 |
| Buena Vista County Virginia | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Charlotte County Virginia | 1 | $ 245,000 | $ 245,000 | $ 104,000 |
| Charlottesville County Virginia | 1 | $ 65,000 | $ 65,000 | $ 146,000 |
| Colonial Heights County Virginia | 1 | $ 295,000 | $ 295,000 | $ 77,000 |
| Covington County Virginia | 1 | $ 85,000 | $ 85,000 | $ 26,000 |
| Fluvanna County Virginia | 1 | $ 205,000 | $ 205,000 | $ 57,000 |
| Franklin City County Virginia | 1 | $ 5,000 | $ 5,000 | $ 11,000 |
| Frederick County Virginia | 1 | $ 65,000 | $ 65,000 | $ 154,000 |
| Fredericksburg County Virginia | 1 | $ 45,000 | $ 45,000 | $ 139,000 |
| Giles County Virginia | 1 | $ 185,000 | $ 185,000 | $ 53,000 |
| Greene County Virginia | 1 | $ 245,000 | $ 245,000 | $ 49,000 |
| James City County Virginia | 1 | $ 115,000 | $ 115,000 | $ 84,000 |
| Louisa County Virginia | 1 | $ 355,000 | $ 355,000 | $ 306,000 |
| Middlesex County Virginia | 1 | $ 175,000 | $ 175,000 | $ 169,000 |
| Nelson County Virginia | 1 | $ 275,000 | $ 275,000 | $ 112,000 |
| Northampton County Virginia | 1 | $ 105,000 | $ 105,000 | $ 85,000 |
| Page County Virginia | 1 | $ 115,000 | $ 115,000 | $ 28,000 |
| Prince Edward County Virginia | 1 | $ 105,000 | $ 105,000 | $ 63,000 |
| Prince George County Virginia | 1 | $ 305,000 | $ 305,000 | $ 79,000 |
| Radford County Virginia | 1 | $ 45,000 | $ 45,000 | $ 39,000 |
| Spotsylvania County Virginia | 1 | $ 415,000 | $ 415,000 | $ 282,000 |
| Stafford County Virginia | 1 | $ 45,000 | $ 45,000 | $ 159,000 |
| Staunton County Virginia | 1 | $ 295,000 | $ 295,000 | $ 65,000 |
| Tazewell County Virginia | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| Westmoreland County Virginia | 1 | $ 225,000 | $ 225,000 | $ 81,000 |
| Williamsburg County Virginia | 1 | $ 225,000 | $ 225,000 | $ 105,000 |
| York County Virginia | 1 | $ 235,000 | $ 235,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for State Employees' in 2021
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 30,054 | $5,315,280,000 | $176,000 | $1,615,000 | $96,000 | $3,086,000 |
| Home Purchase | 20,774 | $4,208,060,000 | $202,000 | $2,075,000 | $87,000 | $2,760,000 |
| Home Improvement | 8,399 | $500,015,000 | $59,000 | $1,005,000 | $99,000 | $2,263,000 |
| Other Purpose | 6,811 | $458,055,000 | $67,000 | $1,175,000 | $103,000 | $1,988,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 41,807 | $6,601,165,000 | $157,000 | $2,005,000 | $98,000 | $2,760,000 |
| Black or African American | 15,101 | $2,329,715,000 | $154,000 | $2,075,000 | $81,000 | $1,528,000 |
| Not Provided | 6,038 | $1,058,450,000 | $175,000 | $1,895,000 | $106,000 | $3,086,000 |
| Hispanic | 1,728 | $267,960,000 | $155,000 | $1,305,000 | $77,000 | $917,000 |
| American Indian or Alaskan Native | 667 | $91,535,000 | $137,000 | $1,535,000 | $85,000 | $611,000 |
| Asian | 517 | $102,345,000 | $197,000 | $1,205,000 | $111,000 | $557,000 |
| Native Hawaiian or Other Pacific Islander | 22 | $3,440,000 | $156,000 | $425,000 | $85,000 | $279,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 66,038 | $10,481,410,000 | $158,000 | $2,075,000 | $94,000 | $3,086,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 45,474 | $7,517,750,000 | $165,000 | $2,075,000 | $99,000 | $3,086,000 |
| Application Denied By Financial Institution | 8,210 | $1,068,510,000 | $130,000 | $1,535,000 | $70,000 | $2,760,000 |
| Application Withdrawn By Applicant | 7,401 | $1,166,715,000 | $157,000 | $1,625,000 | $94,000 | $2,645,000 |
| File Closed For Incompleteness | 4,255 | $620,755,000 | $145,000 | $1,205,000 | $94,000 | $2,554,000 |
| Application Approved But Not Accepted | 694 | $107,040,000 | $154,000 | $995,000 | $88,000 | $558,000 |
| Loan Purchased By The Institution | 4 | $640,000 | $160,000 | $205,000 | $54,000 | $80,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 57,828 | $9,412,900,000 | $162,000 | $2,075,000 | $98,000 | $3,086,000 |
| Debt-To-Income Ratio | 3,854 | $513,650,000 | $133,000 | $1,475,000 | $53,000 | $880,000 |
| Credit History | 2,364 | $282,950,000 | $119,000 | $805,000 | $81,000 | $2,760,000 |
| Collateral | 1,524 | $198,950,000 | $130,000 | $1,535,000 | $89,000 | $521,000 |
| Unverifiable Information | 246 | $37,850,000 | $153,000 | $805,000 | $83,000 | $725,000 |
| Other | 141 | $24,745,000 | $175,000 | $1,205,000 | $110,000 | $516,000 |
| Employment History | 48 | $5,300,000 | $110,000 | $355,000 | $60,000 | $354,000 |
| Credit Application Incomplete | 21 | $3,485,000 | $165,000 | $505,000 | $99,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $1,580,000 | $131,000 | $445,000 | $57,000 | $176,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into State Employees''s 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess State Employees''s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.