State Employees'
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
State Employees' 2022 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 | 66,121 |
| Total Mortgage Loan Application Amount | $10,818,365,000 |
| Average Mortgage Loan Application Amount | $141,750 |
| Highest Mortgage Loan Application Amount | $3,155,000 |
| Average Applicant Income | $104,250 |
| Highest Applicant Income | $4,866,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 8,561 | $ 1,677,555,000 | $ 195,000 | $ 129,000 |
| Guilford County North Carolina | 3,346 | $ 492,900,000 | $ 147,000 | $ 96,000 |
| Mecklenburg County North Carolina | 3,084 | $ 521,750,000 | $ 169,000 | $ 116,000 |
| Johnston County North Carolina | 2,756 | $ 475,550,000 | $ 172,000 | $ 101,000 |
| Durham County North Carolina | 2,248 | $ 405,220,000 | $ 180,000 | $ 114,000 |
| Forsyth County North Carolina | 1,758 | $ 273,420,000 | $ 155,000 | $ 94,000 |
| Buncombe County North Carolina | 1,553 | $ 302,245,000 | $ 194,000 | $ 107,000 |
| Alamance County North Carolina | 1,547 | $ 260,915,000 | $ 168,000 | $ 95,000 |
| Cabarrus County North Carolina | 1,373 | $ 220,695,000 | $ 160,000 | $ 105,000 |
| New Hanover County North Carolina | 1,325 | $ 245,115,000 | $ 184,000 | $ 133,000 |
| Pitt County North Carolina | 1,300 | $ 173,280,000 | $ 133,000 | $ 105,000 |
| Orange County North Carolina | 1,181 | $ 230,885,000 | $ 195,000 | $ 134,000 |
| Brunswick County North Carolina | 1,049 | $ 207,755,000 | $ 198,000 | $ 117,000 |
| Iredell County North Carolina | 1,046 | $ 167,520,000 | $ 160,000 | $ 98,000 |
| Gaston County North Carolina | 997 | $ 156,795,000 | $ 157,000 | $ 99,000 |
| Catawba County North Carolina | 978 | $ 141,270,000 | $ 144,000 | $ 100,000 |
| Burke County North Carolina | 974 | $ 128,270,000 | $ 131,000 | $ 84,000 |
| Rowan County North Carolina | 972 | $ 143,840,000 | $ 147,000 | $ 86,000 |
| Franklin County North Carolina | 954 | $ 172,850,000 | $ 181,000 | $ 96,000 |
| Davidson County North Carolina | 947 | $ 143,635,000 | $ 151,000 | $ 86,000 |
| Union County North Carolina | 945 | $ 165,035,000 | $ 174,000 | $ 112,000 |
| Harnett County North Carolina | 924 | $ 144,780,000 | $ 156,000 | $ 89,000 |
| Wayne County North Carolina | 921 | $ 124,975,000 | $ 135,000 | $ 84,000 |
| Randolph County North Carolina | 917 | $ 123,905,000 | $ 135,000 | $ 87,000 |
| Stanly County North Carolina | 863 | $ 131,565,000 | $ 152,000 | $ 85,000 |
| Cumberland County North Carolina | 824 | $ 101,420,000 | $ 123,000 | $ 90,000 |
| Chatham County North Carolina | 710 | $ 146,800,000 | $ 206,000 | $ 127,000 |
| Nash County North Carolina | 701 | $ 99,355,000 | $ 141,000 | $ 87,000 |
| Caldwell County North Carolina | 699 | $ 90,355,000 | $ 129,000 | $ 81,000 |
| Wilson County North Carolina | 690 | $ 90,840,000 | $ 131,000 | $ 85,000 |
| Henderson County North Carolina | 665 | $ 129,025,000 | $ 194,000 | $ 98,000 |
| Granville County North Carolina | 643 | $ 104,765,000 | $ 162,000 | $ 101,000 |
| Carteret County North Carolina | 616 | $ 139,760,000 | $ 226,000 | $ 153,000 |
| Cleveland County North Carolina | 583 | $ 78,365,000 | $ 134,000 | $ 87,000 |
| Rutherford County North Carolina | 579 | $ 80,805,000 | $ 139,000 | $ 90,000 |
| Rockingham County North Carolina | 521 | $ 69,295,000 | $ 133,000 | $ 85,000 |
| Onslow County North Carolina | 485 | $ 81,215,000 | $ 167,000 | $ 105,000 |
| Wilkes County North Carolina | 480 | $ 59,900,000 | $ 124,000 | $ 79,000 |
| Surry County North Carolina | 472 | $ 55,680,000 | $ 117,000 | $ 82,000 |
| Craven County North Carolina | 450 | $ 62,420,000 | $ 138,000 | $ 100,000 |
| Lee County North Carolina | 444 | $ 59,930,000 | $ 134,000 | $ 97,000 |
| Moore County North Carolina | 439 | $ 62,405,000 | $ 142,000 | $ 99,000 |
| McDowell County North Carolina | 438 | $ 65,600,000 | $ 149,000 | $ 91,000 |
| Robeson County North Carolina | 414 | $ 40,750,000 | $ 98,000 | $ 79,000 |
| Pender County North Carolina | 396 | $ 77,570,000 | $ 195,000 | $ 127,000 |
| Watauga County North Carolina | 371 | $ 73,545,000 | $ 198,000 | $ 127,000 |
| Haywood County North Carolina | 369 | $ 66,375,000 | $ 179,000 | $ 93,000 |
| Lenoir County North Carolina | 367 | $ 43,145,000 | $ 117,000 | $ 83,000 |
| Lincoln County North Carolina | 364 | $ 56,690,000 | $ 155,000 | $ 107,000 |
| Person County North Carolina | 345 | $ 45,575,000 | $ 132,000 | $ 84,000 |
| Vance County North Carolina | 344 | $ 47,310,000 | $ 137,000 | $ 78,000 |
| Beaufort County North Carolina | 337 | $ 47,305,000 | $ 140,000 | $ 115,000 |
| Richmond County North Carolina | 337 | $ 36,305,000 | $ 107,000 | $ 75,000 |
| Jackson County North Carolina | 333 | $ 54,555,000 | $ 163,000 | $ 104,000 |
| Montgomery County North Carolina | 324 | $ 41,850,000 | $ 129,000 | $ 87,000 |
| Horry County South Carolina | 315 | $ 69,755,000 | $ 221,000 | $ 131,000 |
| Davie County North Carolina | 314 | $ 47,810,000 | $ 152,000 | $ 96,000 |
| Sampson County North Carolina | 306 | $ 38,800,000 | $ 126,000 | $ 88,000 |
| Edgecombe County North Carolina | 298 | $ 33,650,000 | $ 112,000 | $ 81,000 |
| Dare County North Carolina | 278 | $ 56,770,000 | $ 204,000 | $ 124,000 |
| Ashe County North Carolina | 277 | $ 44,195,000 | $ 159,000 | $ 98,000 |
| Macon County North Carolina | 275 | $ 39,185,000 | $ 142,000 | $ 87,000 |
| Halifax County North Carolina | 269 | $ 28,885,000 | $ 107,000 | $ 76,000 |
| Duplin County North Carolina | 252 | $ 30,450,000 | $ 120,000 | $ 79,000 |
| Yadkin County North Carolina | 235 | $ 31,475,000 | $ 133,000 | $ 80,000 |
| York County South Carolina | 224 | $ 54,840,000 | $ 244,000 | $ 129,000 |
| Columbus County North Carolina | 221 | $ 27,245,000 | $ 123,000 | $ 83,000 |
| Alexander County North Carolina | 215 | $ 28,225,000 | $ 131,000 | $ 90,000 |
| Pasquotank County North Carolina | 187 | $ 27,285,000 | $ 145,000 | $ 97,000 |
| Scotland County North Carolina | 177 | $ 19,945,000 | $ 112,000 | $ 85,000 |
| Cherokee County North Carolina | 173 | $ 25,725,000 | $ 148,000 | $ 82,000 |
| Stokes County North Carolina | 170 | $ 23,310,000 | $ 137,000 | $ 83,000 |
| Warren County North Carolina | 168 | $ 22,420,000 | $ 133,000 | $ 81,000 |
| Madison County North Carolina | 159 | $ 26,115,000 | $ 164,000 | $ 85,000 |
| Hoke County North Carolina | 154 | $ 19,630,000 | $ 127,000 | $ 78,000 |
| Yancey County North Carolina | 149 | $ 22,055,000 | $ 148,000 | $ 90,000 |
| Anson County North Carolina | 146 | $ 18,030,000 | $ 123,000 | $ 80,000 |
| Bertie County North Carolina | 145 | $ 14,475,000 | $ 99,000 | $ 76,000 |
| Hertford County North Carolina | 144 | $ 15,520,000 | $ 107,000 | $ 74,000 |
| Caswell County North Carolina | 140 | $ 16,090,000 | $ 114,000 | $ 79,000 |
| Greene County North Carolina | 136 | $ 13,750,000 | $ 101,000 | $ 77,000 |
| Martin County North Carolina | 129 | $ 14,515,000 | $ 112,000 | $ 85,000 |
| Mitchell County North Carolina | 129 | $ 17,315,000 | $ 134,000 | $ 76,000 |
| Bladen County North Carolina | 122 | $ 14,390,000 | $ 117,000 | $ 86,000 |
| Chowan County North Carolina | 119 | $ 16,665,000 | $ 140,000 | $ 105,000 |
| Northampton County North Carolina | 118 | $ 13,650,000 | $ 115,000 | $ 90,000 |
| Transylvania County North Carolina | 117 | $ 21,055,000 | $ 179,000 | $ 100,000 |
| Spartanburg County South Carolina | 116 | $ 24,550,000 | $ 211,000 | $ 106,000 |
| Avery County North Carolina | 102 | $ 18,030,000 | $ 176,000 | $ 116,000 |
| Polk County North Carolina | 95 | $ 13,145,000 | $ 138,000 | $ 87,000 |
| Greenville County South Carolina | 95 | $ 24,215,000 | $ 254,000 | $ 158,000 |
| Lancaster County South Carolina | 94 | $ 22,080,000 | $ 234,000 | $ 150,000 |
| Washington County North Carolina | 93 | $ 9,895,000 | $ 106,000 | $ 83,000 |
| Swain County North Carolina | 87 | $ 12,685,000 | $ 145,000 | $ 77,000 |
| Perquimans County North Carolina | 85 | $ 8,995,000 | $ 105,000 | $ 78,000 |
| Alleghany County North Carolina | 82 | $ 10,610,000 | $ 129,000 | $ 99,000 |
| Currituck County North Carolina | 80 | $ 16,000,000 | $ 200,000 | $ 99,000 |
| Graham County North Carolina | 79 | $ 11,805,000 | $ 149,000 | $ 87,000 |
| Pamlico County North Carolina | 78 | $ 11,200,000 | $ 143,000 | $ 101,000 |
| Gates County North Carolina | 55 | $ 6,955,000 | $ 126,000 | $ 92,000 |
| Clay County North Carolina | 54 | $ 7,090,000 | $ 131,000 | $ 92,000 |
| Jones County North Carolina | 53 | $ 7,505,000 | $ 141,000 | $ 90,000 |
| Tyrrell County North Carolina | 48 | $ 5,980,000 | $ 124,000 | $ 85,000 |
| Camden County North Carolina | 43 | $ 6,485,000 | $ 150,000 | $ 86,000 |
| Fulton County Georgia | 39 | $ 7,535,000 | $ 193,000 | $ 136,000 |
| Richland County South Carolina | 37 | $ 7,415,000 | $ 200,000 | $ 106,000 |
| Mecklenburg County Virginia | 37 | $ 5,905,000 | $ 159,000 | $ 145,000 |
| Hyde County North Carolina | 35 | $ 3,405,000 | $ 97,000 | $ 80,000 |
| Charleston County South Carolina | 34 | $ 10,750,000 | $ 316,000 | $ 192,000 |
| DeKalb County Georgia | 28 | $ 6,010,000 | $ 214,000 | $ 118,000 |
| Carroll County Virginia | 27 | $ 3,165,000 | $ 117,000 | $ 95,000 |
| Chesterfield County South Carolina | 25 | $ 4,285,000 | $ 171,000 | $ 70,000 |
| Danville County Virginia | 25 | $ 2,495,000 | $ 99,000 | $ 73,000 |
| Pittsylvania County Virginia | 25 | $ 3,045,000 | $ 121,000 | $ 90,000 |
| Virginia Beach County Virginia | 24 | $ 6,520,000 | $ 271,000 | $ 139,000 |
| Cherokee County South Carolina | 23 | $ 3,985,000 | $ 173,000 | $ 85,000 |
| Gwinnett County Georgia | 21 | $ 6,485,000 | $ 308,000 | $ 151,000 |
| Chesterfield County Virginia | 21 | $ 5,785,000 | $ 275,000 | $ 132,000 |
| Cobb County Georgia | 20 | $ 4,340,000 | $ 217,000 | $ 191,000 |
| Beaufort County South Carolina | 19 | $ 8,475,000 | $ 446,000 | $ 260,000 |
| Knox County Tennessee | 19 | $ 5,385,000 | $ 283,000 | $ 133,000 |
| Henry County Virginia | 18 | $ 1,520,000 | $ 84,000 | $ 58,000 |
| Lexington County South Carolina | 17 | $ 3,595,000 | $ 211,000 | $ 86,000 |
| Washington County Tennessee | 17 | $ 3,585,000 | $ 210,000 | $ 89,000 |
| Sullivan County Tennessee | 16 | $ 2,970,000 | $ 185,000 | $ 73,000 |
| Anderson County South Carolina | 15 | $ 2,985,000 | $ 199,000 | $ 109,000 |
| Grayson County Virginia | 15 | $ 1,665,000 | $ 111,000 | $ 79,000 |
| Norfolk County Virginia | 15 | $ 2,595,000 | $ 173,000 | $ 98,000 |
| Chatham County Georgia | 14 | $ 2,520,000 | $ 180,000 | $ 140,000 |
| Georgetown County South Carolina | 14 | $ 3,750,000 | $ 267,000 | $ 180,000 |
| Marlboro County South Carolina | 14 | $ 1,010,000 | $ 72,000 | $ 78,000 |
| Richmond City County Virginia | 14 | $ 2,940,000 | $ 210,000 | $ 126,000 |
| Florence County South Carolina | 13 | $ 2,365,000 | $ 181,000 | $ 82,000 |
| Oconee County South Carolina | 13 | $ 3,945,000 | $ 303,000 | $ 146,000 |
| Greene County Tennessee | 12 | $ 2,480,000 | $ 206,000 | $ 64,000 |
| Chesapeake County Virginia | 12 | $ 2,130,000 | $ 177,000 | $ 157,000 |
| Suffolk County Virginia | 12 | $ 3,060,000 | $ 255,000 | $ 118,000 |
| Berkeley County South Carolina | 11 | $ 2,755,000 | $ 250,000 | $ 133,000 |
| Brunswick County Virginia | 11 | $ 3,495,000 | $ 317,000 | $ 171,000 |
| Patrick County Virginia | 11 | $ 1,275,000 | $ 115,000 | $ 131,000 |
| Washington County Virginia | 11 | $ 2,075,000 | $ 188,000 | $ 90,000 |
| Union County Georgia | 10 | $ 2,370,000 | $ 237,000 | $ 75,000 |
| Kershaw County South Carolina | 10 | $ 1,800,000 | $ 180,000 | $ 70,000 |
| Carter County Tennessee | 10 | $ 1,680,000 | $ 168,000 | $ 73,000 |
| Richmond County Georgia | 9 | $ 1,065,000 | $ 118,000 | $ 76,000 |
| Johnson County Tennessee | 9 | $ 1,355,000 | $ 150,000 | $ 84,000 |
| Unicoi County Tennessee | 9 | $ 1,785,000 | $ 198,000 | $ 84,000 |
| Cherokee County Georgia | 8 | $ 2,990,000 | $ 373,000 | $ 176,000 |
| Forsyth County Georgia | 8 | $ 1,520,000 | $ 190,000 | $ 195,000 |
| Dorchester County South Carolina | 8 | $ 1,730,000 | $ 216,000 | $ 89,000 |
| Shelby County Tennessee | 8 | $ 1,260,000 | $ 157,000 | $ 94,000 |
| Halifax County Virginia | 8 | $ 740,000 | $ 92,000 | $ 72,000 |
| Henrico County Virginia | 8 | $ 1,500,000 | $ 187,000 | $ 126,000 |
| Clayton County Georgia | 7 | $ 1,255,000 | $ 179,000 | $ 74,000 |
| Towns County Georgia | 7 | $ 1,495,000 | $ 213,000 | $ 96,000 |
| Aiken County South Carolina | 7 | $ 1,625,000 | $ 232,000 | $ 106,000 |
| Dillon County South Carolina | 7 | $ 765,000 | $ 109,000 | $ 67,000 |
| Davidson County Tennessee | 7 | $ 2,345,000 | $ 335,000 | $ 407,000 |
| Fairfax County Virginia | 7 | $ 1,895,000 | $ 270,000 | $ 174,000 |
| Franklin County Virginia | 7 | $ 1,135,000 | $ 162,000 | $ 167,000 |
| Newport News County Virginia | 7 | $ 1,085,000 | $ 155,000 | $ 116,000 |
| Douglas County Georgia | 6 | $ 1,950,000 | $ 325,000 | $ 105,000 |
| Hall County Georgia | 6 | $ 1,120,000 | $ 186,000 | $ 85,000 |
| Spalding County Georgia | 6 | $ 1,310,000 | $ 218,000 | $ 122,000 |
| Chester County South Carolina | 6 | $ 1,150,000 | $ 191,000 | $ 46,000 |
| Cocke County Tennessee | 6 | $ 900,000 | $ 150,000 | $ 66,000 |
| Augusta County Virginia | 6 | $ 1,820,000 | $ 303,000 | $ 134,000 |
| Bedford County Virginia | 6 | $ 2,010,000 | $ 335,000 | $ 290,000 |
| Hampton County Virginia | 6 | $ 840,000 | $ 140,000 | $ 103,000 |
| Martinsville County Virginia | 6 | $ 380,000 | $ 63,000 | $ 55,000 |
| Bibb County Georgia | 5 | $ 405,000 | $ 81,000 | $ 194,000 |
| Fannin County Georgia | 5 | $ 5,695,000 | $ 1,139,000 | $ 498,000 |
| Henry County Georgia | 5 | $ 965,000 | $ 193,000 | $ 123,000 |
| Muscogee County Georgia | 5 | $ 855,000 | $ 171,000 | $ 84,000 |
| Darlington County South Carolina | 5 | $ 415,000 | $ 83,000 | $ 83,000 |
| Orangeburg County South Carolina | 5 | $ 765,000 | $ 153,000 | $ 62,000 |
| Hamilton County Tennessee | 5 | $ 1,425,000 | $ 285,000 | $ 211,000 |
| Maury County Tennessee | 5 | $ 1,365,000 | $ 273,000 | $ 81,000 |
| Sevier County Tennessee | 5 | $ 3,075,000 | $ 615,000 | $ 396,000 |
| Albemarle County Virginia | 5 | $ 1,645,000 | $ 329,000 | $ 111,000 |
| Lynchburg County Virginia | 5 | $ 1,185,000 | $ 237,000 | $ 206,000 |
| Portsmouth County Virginia | 5 | $ 1,065,000 | $ 213,000 | $ 79,000 |
| Prince William County Virginia | 5 | $ 2,445,000 | $ 489,000 | $ 173,000 |
| Roanoke City County Virginia | 5 | $ 805,000 | $ 161,000 | $ 103,000 |
| Pickens County Georgia | 4 | $ 1,470,000 | $ 367,000 | $ 169,000 |
| Rabun County Georgia | 4 | $ 1,000,000 | $ 250,000 | $ 112,000 |
| Clarendon County South Carolina | 4 | $ 190,000 | $ 47,000 | $ 89,000 |
| Pickens County South Carolina | 4 | $ 1,210,000 | $ 302,000 | $ 126,000 |
| Accomack County Virginia | 4 | $ 1,070,000 | $ 267,000 | $ 143,000 |
| Alexandria County Virginia | 4 | $ 1,210,000 | $ 302,000 | $ 138,000 |
| Montgomery County Virginia | 4 | $ 710,000 | $ 177,000 | $ 134,000 |
| Petersburg County Virginia | 4 | $ 930,000 | $ 232,000 | $ 71,000 |
| Prince George County Virginia | 4 | $ 390,000 | $ 97,000 | $ 141,000 |
| Rockingham County Virginia | 4 | $ 860,000 | $ 215,000 | $ 87,000 |
| Stafford County Virginia | 4 | $ 1,150,000 | $ 287,000 | $ 159,000 |
| Carroll County Georgia | 3 | $ 795,000 | $ 265,000 | $ 82,000 |
| Columbia County Georgia | 3 | $ 515,000 | $ 171,000 | $ 73,000 |
| Glynn County Georgia | 3 | $ 1,125,000 | $ 375,000 | $ 466,000 |
| Jackson County Georgia | 3 | $ 555,000 | $ 185,000 | $ 128,000 |
| Liberty County Georgia | 3 | $ 755,000 | $ 251,000 | $ 72,000 |
| Paulding County Georgia | 3 | $ 815,000 | $ 271,000 | $ 120,000 |
| Rockdale County Georgia | 3 | $ 765,000 | $ 255,000 | $ 63,000 |
| Abbeville County South Carolina | 3 | $ 345,000 | $ 115,000 | $ 100,000 |
| Newberry County South Carolina | 3 | $ 785,000 | $ 261,000 | $ 132,000 |
| Sumter County South Carolina | 3 | $ 315,000 | $ 105,000 | $ 152,000 |
| Anderson County Tennessee | 3 | $ 545,000 | $ 181,000 | $ 110,000 |
| Hawkins County Tennessee | 3 | $ 705,000 | $ 235,000 | $ 96,000 |
| Jefferson County Tennessee | 3 | $ 1,815,000 | $ 605,000 | $ 153,000 |
| Sumner County Tennessee | 3 | $ 1,035,000 | $ 345,000 | $ 135,000 |
| Arlington County Virginia | 3 | $ 2,075,000 | $ 691,000 | $ 306,000 |
| Campbell County Virginia | 3 | $ 415,000 | $ 138,000 | $ 99,000 |
| Floyd County Virginia | 3 | $ 675,000 | $ 225,000 | $ 127,000 |
| Frederick County Virginia | 3 | $ 1,085,000 | $ 361,000 | $ 133,000 |
| Galax County Virginia | 3 | $ 345,000 | $ 115,000 | $ 101,000 |
| James City County Virginia | 3 | $ 815,000 | $ 271,000 | $ 121,000 |
| Loudoun County Virginia | 3 | $ 535,000 | $ 178,000 | $ 181,000 |
| Louisa County Virginia | 3 | $ 1,055,000 | $ 351,000 | $ 107,000 |
| Roanoke County Virginia | 3 | $ 605,000 | $ 201,000 | $ 137,000 |
| Spotsylvania County Virginia | 3 | $ 275,000 | $ 91,000 | $ 109,000 |
| Wise County Virginia | 3 | $ 335,000 | $ 111,000 | $ 45,000 |
| Wythe County Virginia | 3 | $ 395,000 | $ 131,000 | $ 39,000 |
| Candler County Georgia | 2 | $ 90,000 | $ 45,000 | $ 21,000 |
| Coweta County Georgia | 2 | $ 540,000 | $ 270,000 | $ 171,000 |
| Franklin County Georgia | 2 | $ 390,000 | $ 195,000 | $ 217,000 |
| Gilmer County Georgia | 2 | $ 500,000 | $ 250,000 | $ 116,000 |
| Houston County Georgia | 2 | $ 540,000 | $ 270,000 | $ 106,000 |
| Lamar County Georgia | 2 | $ 650,000 | $ 325,000 | $ 138,000 |
| Meriwether County Georgia | 2 | $ 480,000 | $ 240,000 | $ 99,000 |
| Newton County Georgia | 2 | $ 410,000 | $ 205,000 | $ 50,000 |
| Whitfield County Georgia | 2 | $ 580,000 | $ 290,000 | $ 92,000 |
| Calhoun County South Carolina | 2 | $ 60,000 | $ 30,000 | $ 42,000 |
| Colleton County South Carolina | 2 | $ 210,000 | $ 105,000 | $ 148,000 |
| Edgefield County South Carolina | 2 | $ 720,000 | $ 360,000 | $ 122,000 |
| Fairfield County South Carolina | 2 | $ 350,000 | $ 175,000 | $ 41,000 |
| Greenwood County South Carolina | 2 | $ 520,000 | $ 260,000 | $ 81,000 |
| Hampton County South Carolina | 2 | $ 80,000 | $ 40,000 | $ 78,000 |
| Jasper County South Carolina | 2 | $ 70,000 | $ 35,000 | $ 89,000 |
| Laurens County South Carolina | 2 | $ 490,000 | $ 245,000 | $ 181,000 |
| Carroll County Tennessee | 2 | $ 550,000 | $ 275,000 | $ 129,000 |
| Williamson County Tennessee | 2 | $ 800,000 | $ 400,000 | $ 222,000 |
| Wilson County Tennessee | 2 | $ 740,000 | $ 370,000 | $ 113,000 |
| Alleghany County Virginia | 2 | $ 150,000 | $ 75,000 | $ 81,000 |
| Botetourt County Virginia | 2 | $ 550,000 | $ 275,000 | $ 43,000 |
| Franklin City County Virginia | 2 | $ 180,000 | $ 90,000 | $ 109,000 |
| Greensville County Virginia | 2 | $ 360,000 | $ 180,000 | $ 105,000 |
| Nelson County Virginia | 2 | $ 260,000 | $ 130,000 | $ 299,000 |
| Salem County Virginia | 2 | $ 390,000 | $ 195,000 | $ 95,000 |
| Smyth County Virginia | 2 | $ 80,000 | $ 40,000 | $ 99,000 |
| Calhoun County Alabama | 1 | $ 55,000 | $ 55,000 | $ 135,000 |
| Barrow County Georgia | 1 | $ 325,000 | $ 325,000 | $ 85,000 |
| Ben Hill County Georgia | 1 | $ 305,000 | $ 305,000 | $ 105,000 |
| Brantley County Georgia | 1 | $ 65,000 | $ 65,000 | $ 22,000 |
| Bryan County Georgia | 1 | $ 235,000 | $ 235,000 | $ 92,000 |
| Bulloch County Georgia | 1 | $ 55,000 | $ 55,000 | $ 56,000 |
| Camden County Georgia | 1 | $ 205,000 | $ 205,000 | $ 123,000 |
| Catoosa County Georgia | 1 | $ 165,000 | $ 165,000 | $ 51,000 |
| Clarke County Georgia | 1 | $ 495,000 | $ 495,000 | $ 175,000 |
| Colquitt County Georgia | 1 | $ 65,000 | $ 65,000 | $ 196,000 |
| Effingham County Georgia | 1 | $ 435,000 | $ 435,000 | $ 120,000 |
| Floyd County Georgia | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| Hancock County Georgia | 1 | $ 45,000 | $ 45,000 | $ 30,000 |
| Hart County Georgia | 1 | $ 505,000 | $ 505,000 | $ 347,000 |
| Jenkins County Georgia | 1 | $ 65,000 | $ 65,000 | $ 60,000 |
| Jones County Georgia | 1 | $ 265,000 | $ 265,000 | $ 104,000 |
| Lee County Georgia | 1 | $ 175,000 | $ 175,000 | $ 48,000 |
| Lumpkin County Georgia | 1 | $ 275,000 | $ 275,000 | $ 106,000 |
| Oconee County Georgia | 1 | $ 205,000 | $ 205,000 | $ 103,000 |
| Pike County Georgia | 1 | $ 85,000 | $ 85,000 | $ 255,000 |
| Upson County Georgia | 1 | $ 215,000 | $ 215,000 | $ 173,000 |
| Walker County Georgia | 1 | $ 225,000 | $ 225,000 | $ 101,000 |
| White County Georgia | 1 | $ 125,000 | $ 125,000 | $ 120,000 |
| Prince George's County Maryland | 1 | $ 105,000 | $ 105,000 | $ 130,000 |
| Philadelphia County Pennsylvania | 1 | $ 5,000 | $ 5,000 | $ 53,000 |
| Somerset County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Allendale County South Carolina | 1 | $ 15,000 | $ 15,000 | $ 43,000 |
| Bamberg County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 56,000 |
| Marion County South Carolina | 1 | $ 245,000 | $ 245,000 | $ 118,000 |
| Saluda County South Carolina | 1 | $ 205,000 | $ 205,000 | $ 59,000 |
| Union County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Williamsburg County South Carolina | 1 | $ 265,000 | $ 265,000 | $ 69,000 |
| Blount County Tennessee | 1 | $ 235,000 | $ 235,000 | $ 120,000 |
| Claiborne County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 152,000 |
| Coffee County Tennessee | 1 | $ 275,000 | $ 275,000 | $ 175,000 |
| Grainger County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 54,000 |
| Hamblen County Tennessee | 1 | $ 295,000 | $ 295,000 | $ 72,000 |
| Montgomery County Tennessee | 1 | $ 375,000 | $ 375,000 | $ 88,000 |
| Polk County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 74,000 |
| Rutherford County Tennessee | 1 | $ 495,000 | $ 495,000 | $ 502,000 |
| Tarrant County Texas | 1 | $ 105,000 | $ 105,000 | $ 800,000 |
| Amherst County Virginia | 1 | $ 195,000 | $ 195,000 | $ 69,000 |
| Covington County Virginia | 1 | $ 35,000 | $ 35,000 | $ 74,000 |
| Culpeper County Virginia | 1 | $ 625,000 | $ 625,000 | $ 147,000 |
| Cumberland County Virginia | 1 | $ 145,000 | $ 145,000 | $ 92,000 |
| Dinwiddie County Virginia | 1 | $ 325,000 | $ 325,000 | $ 249,000 |
| Emporia County Virginia | 1 | $ 245,000 | $ 245,000 | $ 272,000 |
| Fairfax City County Virginia | 1 | $ 645,000 | $ 645,000 | $ 172,000 |
| Goochland County Virginia | 1 | $ 325,000 | $ 325,000 | $ 1,101,000 |
| Hanover County Virginia | 1 | $ 355,000 | $ 355,000 | $ 137,000 |
| Hopewell County Virginia | 1 | $ 5,000 | $ 5,000 | $ 73,000 |
| Isle of Wight County Virginia | 1 | $ 225,000 | $ 225,000 | $ 80,000 |
| King William County Virginia | 1 | $ 275,000 | $ 275,000 | $ 88,000 |
| Lancaster County Virginia | 1 | $ 345,000 | $ 345,000 | $ 224,000 |
| Manassas Park County Virginia | 1 | $ 25,000 | $ 25,000 | $ 63,000 |
| Middlesex County Virginia | 1 | $ 475,000 | $ 475,000 | $ 131,000 |
| Orange County Virginia | 1 | $ 405,000 | $ 405,000 | $ 120,000 |
| Page County Virginia | 1 | $ 235,000 | $ 235,000 | $ 125,000 |
| Powhatan County Virginia | 1 | $ 215,000 | $ 215,000 | $ 87,000 |
| Pulaski County Virginia | 1 | $ 125,000 | $ 125,000 | $ 25,000 |
| Radford County Virginia | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Rockbridge County Virginia | 1 | $ 45,000 | $ 45,000 | $ 65,000 |
| Russell County Virginia | 1 | $ 85,000 | $ 85,000 | $ 65,000 |
| Shenandoah County Virginia | 1 | $ 35,000 | $ 35,000 | $ 101,000 |
| Staunton County Virginia | 1 | $ 245,000 | $ 245,000 | $ 153,000 |
| Tazewell County Virginia | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
| Waynesboro County Virginia | 1 | $ 145,000 | $ 145,000 | $ 153,000 |
Mortgage Loan Application Detail Totals for State Employees' in 2022
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 23,466 | $5,770,300,000 | $245,000 | $3,155,000 | $105,000 | $4,866,000 |
| Refinancing | 18,458 | $3,332,600,000 | $180,000 | $2,025,000 | $100,000 | $2,813,000 |
| Home Improvement | 13,885 | $944,925,000 | $68,000 | $2,005,000 | $105,000 | $2,038,000 |
| Other Purpose | 10,312 | $770,540,000 | $74,000 | $1,355,000 | $107,000 | $3,666,000 |
| 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 | 41,284 | $6,759,650,000 | $163,000 | $2,165,000 | $108,000 | $4,866,000 |
| Black or African American | 15,771 | $2,433,945,000 | $154,000 | $1,685,000 | $89,000 | $2,813,000 |
| Not Provided | 5,490 | $993,200,000 | $180,000 | $3,155,000 | $119,000 | $3,666,000 |
| Hispanic | 2,032 | $346,530,000 | $170,000 | $1,105,000 | $91,000 | $2,457,000 |
| American Indian or Alaskan Native | 647 | $84,995,000 | $131,000 | $825,000 | $87,000 | $532,000 |
| Asian | 604 | $141,720,000 | $234,000 | $1,375,000 | $125,000 | $800,000 |
| Native Hawaiian or Other Pacific Islander | 19 | $3,335,000 | $175,000 | $505,000 | $138,000 | $344,000 |
| 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) | 66,121 | $10,818,365,000 | $163,000 | $3,155,000 | $104,000 | $4,866,000 |
| 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 | 45,445 | $7,947,955,000 | $174,000 | $2,165,000 | $110,000 | $4,866,000 |
| Application Denied By Financial Institution | 9,733 | $1,151,595,000 | $118,000 | $1,505,000 | $78,000 | $3,666,000 |
| Application Withdrawn By Applicant | 7,120 | $1,183,860,000 | $166,000 | $3,155,000 | $106,000 | $2,854,000 |
| File Closed For Incompleteness | 3,011 | $403,355,000 | $133,000 | $1,305,000 | $99,000 | $1,954,000 |
| Application Approved But Not Accepted | 807 | $130,785,000 | $162,000 | $1,445,000 | $99,000 | $1,278,000 |
| Loan Purchased By The Institution | 5 | $815,000 | $163,000 | $195,000 | $71,000 | $117,000 |
| 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 | 56,388 | $9,666,770,000 | $171,000 | $3,155,000 | $109,000 | $4,866,000 |
| Debt-To-Income Ratio | 5,168 | $639,290,000 | $123,000 | $1,355,000 | $61,000 | $624,000 |
| Credit History | 2,536 | $264,340,000 | $104,000 | $905,000 | $90,000 | $3,666,000 |
| Collateral | 1,559 | $171,405,000 | $109,000 | $1,005,000 | $102,000 | $2,457,000 |
| Unverifiable Information | 234 | $35,490,000 | $151,000 | $675,000 | $89,000 | $417,000 |
| Other | 183 | $33,165,000 | $181,000 | $1,505,000 | $146,000 | $2,074,000 |
| Employment History | 40 | $4,600,000 | $115,000 | $435,000 | $73,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $3,305,000 | $254,000 | $805,000 | $100,000 | $435,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into State Employees''s 2022 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.