State Employees'
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
State Employees' 2020 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 | 51,542 |
| Total Mortgage Loan Application Amount | $7,450,300,000 |
| Average Mortgage Loan Application Amount | $112,750 |
| Highest Mortgage Loan Application Amount | $1,945,000 |
| Average Applicant Income | $94,250 |
| Highest Applicant Income | $5,200,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 6,664 | $ 1,146,980,000 | $ 172,000 | $ 111,000 |
| Guilford County North Carolina | 2,453 | $ 337,215,000 | $ 137,000 | $ 89,000 |
| Mecklenburg County North Carolina | 2,409 | $ 389,365,000 | $ 161,000 | $ 101,000 |
| Durham County North Carolina | 1,922 | $ 297,210,000 | $ 154,000 | $ 99,000 |
| Johnston County North Carolina | 1,817 | $ 273,085,000 | $ 150,000 | $ 89,000 |
| Buncombe County North Carolina | 1,385 | $ 237,455,000 | $ 171,000 | $ 91,000 |
| Forsyth County North Carolina | 1,295 | $ 177,485,000 | $ 137,000 | $ 87,000 |
| Alamance County North Carolina | 1,215 | $ 174,635,000 | $ 143,000 | $ 87,000 |
| Cabarrus County North Carolina | 1,167 | $ 183,385,000 | $ 157,000 | $ 94,000 |
| Orange County North Carolina | 1,049 | $ 183,185,000 | $ 174,000 | $ 125,000 |
| New Hanover County North Carolina | 999 | $ 168,185,000 | $ 168,000 | $ 113,000 |
| Pitt County North Carolina | 979 | $ 116,975,000 | $ 119,000 | $ 91,000 |
| Burke County North Carolina | 898 | $ 101,550,000 | $ 113,000 | $ 77,000 |
| Iredell County North Carolina | 877 | $ 126,135,000 | $ 143,000 | $ 82,000 |
| Brunswick County North Carolina | 851 | $ 146,275,000 | $ 171,000 | $ 103,000 |
| Gaston County North Carolina | 810 | $ 113,160,000 | $ 139,000 | $ 86,000 |
| Randolph County North Carolina | 786 | $ 93,600,000 | $ 119,000 | $ 79,000 |
| Catawba County North Carolina | 767 | $ 99,115,000 | $ 129,000 | $ 89,000 |
| Union County North Carolina | 747 | $ 125,835,000 | $ 168,000 | $ 105,000 |
| Davidson County North Carolina | 733 | $ 96,085,000 | $ 131,000 | $ 84,000 |
| Rowan County North Carolina | 689 | $ 87,875,000 | $ 127,000 | $ 77,000 |
| Wayne County North Carolina | 658 | $ 76,330,000 | $ 116,000 | $ 81,000 |
| Franklin County North Carolina | 625 | $ 97,065,000 | $ 155,000 | $ 90,000 |
| Harnett County North Carolina | 620 | $ 78,440,000 | $ 126,000 | $ 83,000 |
| Stanly County North Carolina | 620 | $ 82,000,000 | $ 132,000 | $ 74,000 |
| Cumberland County North Carolina | 607 | $ 64,735,000 | $ 106,000 | $ 87,000 |
| Henderson County North Carolina | 558 | $ 95,510,000 | $ 171,000 | $ 88,000 |
| Nash County North Carolina | 535 | $ 71,915,000 | $ 134,000 | $ 83,000 |
| Wilson County North Carolina | 524 | $ 63,090,000 | $ 120,000 | $ 88,000 |
| Chatham County North Carolina | 521 | $ 92,415,000 | $ 177,000 | $ 112,000 |
| Granville County North Carolina | 499 | $ 75,965,000 | $ 152,000 | $ 89,000 |
| Caldwell County North Carolina | 496 | $ 55,140,000 | $ 111,000 | $ 77,000 |
| Carteret County North Carolina | 495 | $ 85,565,000 | $ 172,000 | $ 127,000 |
| Wilkes County North Carolina | 455 | $ 52,895,000 | $ 116,000 | $ 74,000 |
| Surry County North Carolina | 425 | $ 46,625,000 | $ 109,000 | $ 79,000 |
| Cleveland County North Carolina | 415 | $ 48,305,000 | $ 116,000 | $ 90,000 |
| Moore County North Carolina | 405 | $ 54,375,000 | $ 134,000 | $ 92,000 |
| Rutherford County North Carolina | 403 | $ 47,595,000 | $ 118,000 | $ 76,000 |
| Rockingham County North Carolina | 390 | $ 41,360,000 | $ 106,000 | $ 75,000 |
| McDowell County North Carolina | 374 | $ 49,670,000 | $ 132,000 | $ 76,000 |
| Onslow County North Carolina | 374 | $ 53,300,000 | $ 142,000 | $ 91,000 |
| Robeson County North Carolina | 367 | $ 33,745,000 | $ 91,000 | $ 79,000 |
| Craven County North Carolina | 346 | $ 45,900,000 | $ 132,000 | $ 88,000 |
| Watauga County North Carolina | 341 | $ 58,305,000 | $ 170,000 | $ 115,000 |
| Haywood County North Carolina | 329 | $ 49,065,000 | $ 149,000 | $ 86,000 |
| Lenoir County North Carolina | 327 | $ 32,165,000 | $ 98,000 | $ 74,000 |
| Lincoln County North Carolina | 312 | $ 47,040,000 | $ 150,000 | $ 89,000 |
| Pender County North Carolina | 311 | $ 51,855,000 | $ 166,000 | $ 95,000 |
| Lee County North Carolina | 304 | $ 41,660,000 | $ 137,000 | $ 83,000 |
| Person County North Carolina | 296 | $ 42,000,000 | $ 141,000 | $ 85,000 |
| Beaufort County North Carolina | 281 | $ 32,535,000 | $ 115,000 | $ 90,000 |
| Davie County North Carolina | 258 | $ 34,490,000 | $ 133,000 | $ 85,000 |
| Dare County North Carolina | 256 | $ 47,100,000 | $ 183,000 | $ 103,000 |
| Montgomery County North Carolina | 255 | $ 27,405,000 | $ 107,000 | $ 77,000 |
| Halifax County North Carolina | 250 | $ 23,970,000 | $ 95,000 | $ 73,000 |
| Jackson County North Carolina | 248 | $ 35,780,000 | $ 144,000 | $ 88,000 |
| Horry County South Carolina | 242 | $ 40,920,000 | $ 169,000 | $ 114,000 |
| Duplin County North Carolina | 236 | $ 25,200,000 | $ 106,000 | $ 83,000 |
| Vance County North Carolina | 236 | $ 28,100,000 | $ 119,000 | $ 74,000 |
| Richmond County North Carolina | 225 | $ 22,395,000 | $ 99,000 | $ 73,000 |
| Ashe County North Carolina | 223 | $ 32,435,000 | $ 145,000 | $ 88,000 |
| Edgecombe County North Carolina | 218 | $ 18,980,000 | $ 87,000 | $ 71,000 |
| Alexander County North Carolina | 188 | $ 20,390,000 | $ 108,000 | $ 77,000 |
| Macon County North Carolina | 181 | $ 24,175,000 | $ 133,000 | $ 73,000 |
| Pasquotank County North Carolina | 177 | $ 21,395,000 | $ 120,000 | $ 79,000 |
| Columbus County North Carolina | 169 | $ 17,535,000 | $ 103,000 | $ 77,000 |
| Sampson County North Carolina | 169 | $ 19,655,000 | $ 116,000 | $ 82,000 |
| Yadkin County North Carolina | 158 | $ 18,540,000 | $ 117,000 | $ 77,000 |
| Scotland County North Carolina | 145 | $ 12,655,000 | $ 87,000 | $ 80,000 |
| Cherokee County North Carolina | 142 | $ 18,740,000 | $ 131,000 | $ 80,000 |
| Hertford County North Carolina | 142 | $ 14,750,000 | $ 103,000 | $ 79,000 |
| Yancey County North Carolina | 141 | $ 18,865,000 | $ 133,000 | $ 77,000 |
| York County South Carolina | 141 | $ 27,835,000 | $ 197,000 | $ 106,000 |
| Stokes County North Carolina | 138 | $ 14,850,000 | $ 107,000 | $ 80,000 |
| Mitchell County North Carolina | 133 | $ 16,335,000 | $ 122,000 | $ 74,000 |
| Warren County North Carolina | 130 | $ 13,580,000 | $ 104,000 | $ 77,000 |
| Bertie County North Carolina | 127 | $ 11,505,000 | $ 90,000 | $ 71,000 |
| Avery County North Carolina | 124 | $ 16,900,000 | $ 136,000 | $ 93,000 |
| Hoke County North Carolina | 115 | $ 12,715,000 | $ 110,000 | $ 69,000 |
| Chowan County North Carolina | 114 | $ 13,500,000 | $ 118,000 | $ 88,000 |
| Caswell County North Carolina | 111 | $ 12,165,000 | $ 109,000 | $ 75,000 |
| Bladen County North Carolina | 108 | $ 11,170,000 | $ 103,000 | $ 80,000 |
| Madison County North Carolina | 107 | $ 16,535,000 | $ 154,000 | $ 76,000 |
| Greene County North Carolina | 106 | $ 9,260,000 | $ 87,000 | $ 66,000 |
| Martin County North Carolina | 106 | $ 9,580,000 | $ 90,000 | $ 71,000 |
| Anson County North Carolina | 97 | $ 9,725,000 | $ 100,000 | $ 74,000 |
| Transylvania County North Carolina | 94 | $ 15,910,000 | $ 169,000 | $ 96,000 |
| Northampton County North Carolina | 87 | $ 12,075,000 | $ 138,000 | $ 91,000 |
| Polk County North Carolina | 84 | $ 13,780,000 | $ 164,000 | $ 84,000 |
| Perquimans County North Carolina | 83 | $ 9,145,000 | $ 110,000 | $ 84,000 |
| Swain County North Carolina | 69 | $ 9,355,000 | $ 135,000 | $ 66,000 |
| Currituck County North Carolina | 68 | $ 12,070,000 | $ 177,000 | $ 88,000 |
| Graham County North Carolina | 66 | $ 7,830,000 | $ 118,000 | $ 72,000 |
| Pamlico County North Carolina | 66 | $ 8,050,000 | $ 121,000 | $ 75,000 |
| Lancaster County South Carolina | 61 | $ 11,605,000 | $ 190,000 | $ 104,000 |
| Spartanburg County South Carolina | 54 | $ 9,810,000 | $ 181,000 | $ 85,000 |
| Jones County North Carolina | 51 | $ 4,855,000 | $ 95,000 | $ 73,000 |
| Alleghany County North Carolina | 50 | $ 5,710,000 | $ 114,000 | $ 77,000 |
| Gates County North Carolina | 50 | $ 5,690,000 | $ 113,000 | $ 81,000 |
| Tyrrell County North Carolina | 48 | $ 4,690,000 | $ 97,000 | $ 60,000 |
| Camden County North Carolina | 46 | $ 5,520,000 | $ 120,000 | $ 85,000 |
| Clay County North Carolina | 45 | $ 6,915,000 | $ 153,000 | $ 86,000 |
| Washington County North Carolina | 45 | $ 3,695,000 | $ 82,000 | $ 84,000 |
| Greenville County South Carolina | 38 | $ 8,420,000 | $ 221,000 | $ 110,000 |
| Hyde County North Carolina | 33 | $ 3,345,000 | $ 101,000 | $ 95,000 |
| Carroll County Virginia | 28 | $ 2,690,000 | $ 96,000 | $ 72,000 |
| Charleston County South Carolina | 25 | $ 6,305,000 | $ 252,000 | $ 160,000 |
| Danville County Virginia | 24 | $ 1,070,000 | $ 44,000 | $ 100,000 |
| Mecklenburg County Virginia | 23 | $ 3,955,000 | $ 171,000 | $ 152,000 |
| Cobb County Georgia | 22 | $ 5,240,000 | $ 238,000 | $ 133,000 |
| Richland County South Carolina | 22 | $ 2,560,000 | $ 116,000 | $ 83,000 |
| Beaufort County South Carolina | 19 | $ 5,435,000 | $ 286,000 | $ 164,000 |
| Fulton County Georgia | 16 | $ 2,560,000 | $ 160,000 | $ 244,000 |
| Chesterfield County South Carolina | 14 | $ 1,960,000 | $ 140,000 | $ 50,000 |
| Grayson County Virginia | 14 | $ 1,600,000 | $ 114,000 | $ 89,000 |
| Unicoi County Tennessee | 13 | $ 1,915,000 | $ 147,000 | $ 59,000 |
| Chesapeake County Virginia | 13 | $ 1,625,000 | $ 125,000 | $ 75,000 |
| Johnson County Tennessee | 12 | $ 1,430,000 | $ 119,000 | $ 65,000 |
| DeKalb County Georgia | 11 | $ 1,895,000 | $ 172,000 | $ 126,000 |
| Towns County Georgia | 11 | $ 1,935,000 | $ 175,000 | $ 104,000 |
| Cherokee County South Carolina | 11 | $ 1,405,000 | $ 127,000 | $ 70,000 |
| Oconee County South Carolina | 11 | $ 1,835,000 | $ 166,000 | $ 148,000 |
| Henrico County Virginia | 11 | $ 3,695,000 | $ 335,000 | $ 248,000 |
| Gwinnett County Georgia | 10 | $ 2,880,000 | $ 288,000 | $ 135,000 |
| Anderson County South Carolina | 10 | $ 1,250,000 | $ 125,000 | $ 75,000 |
| Lexington County South Carolina | 10 | $ 2,790,000 | $ 279,000 | $ 168,000 |
| Davidson County Tennessee | 10 | $ 3,840,000 | $ 384,000 | $ 196,000 |
| Pittsylvania County Virginia | 10 | $ 1,290,000 | $ 129,000 | $ 62,000 |
| Knox County Tennessee | 9 | $ 1,945,000 | $ 216,000 | $ 113,000 |
| Halifax County Virginia | 9 | $ 915,000 | $ 101,000 | $ 58,000 |
| Patrick County Virginia | 9 | $ 1,325,000 | $ 147,000 | $ 78,000 |
| Dorchester County South Carolina | 8 | $ 1,380,000 | $ 172,000 | $ 69,000 |
| Florence County South Carolina | 8 | $ 1,570,000 | $ 196,000 | $ 112,000 |
| Washington County Tennessee | 8 | $ 1,320,000 | $ 165,000 | $ 106,000 |
| Aiken County South Carolina | 7 | $ 945,000 | $ 135,000 | $ 91,000 |
| Laurens County South Carolina | 7 | $ 1,105,000 | $ 157,000 | $ 119,000 |
| Marlboro County South Carolina | 7 | $ 505,000 | $ 72,000 | $ 52,000 |
| Carter County Tennessee | 7 | $ 1,085,000 | $ 155,000 | $ 76,000 |
| Chesterfield County Virginia | 7 | $ 1,535,000 | $ 219,000 | $ 96,000 |
| Roanoke City County Virginia | 7 | $ 1,145,000 | $ 163,000 | $ 72,000 |
| Virginia Beach County Virginia | 7 | $ 1,105,000 | $ 157,000 | $ 87,000 |
| Richmond County Georgia | 6 | $ 400,000 | $ 66,000 | $ 108,000 |
| Georgetown County South Carolina | 6 | $ 760,000 | $ 126,000 | $ 126,000 |
| Greene County Tennessee | 6 | $ 920,000 | $ 153,000 | $ 68,000 |
| Sevier County Tennessee | 6 | $ 1,980,000 | $ 330,000 | $ 322,000 |
| Fairfax County Virginia | 6 | $ 1,630,000 | $ 271,000 | $ 229,000 |
| Franklin County Virginia | 6 | $ 1,900,000 | $ 316,000 | $ 159,000 |
| Henry County Virginia | 6 | $ 600,000 | $ 100,000 | $ 79,000 |
| Newport News County Virginia | 6 | $ 800,000 | $ 133,000 | $ 91,000 |
| Norfolk County Virginia | 6 | $ 710,000 | $ 118,000 | $ 84,000 |
| Chatham County Georgia | 5 | $ 715,000 | $ 143,000 | $ 76,000 |
| Paulding County Georgia | 5 | $ 1,065,000 | $ 213,000 | $ 88,000 |
| Union County Georgia | 5 | $ 965,000 | $ 193,000 | $ 88,000 |
| Alexandria County Virginia | 5 | $ 1,995,000 | $ 399,000 | $ 165,000 |
| Greensville County Virginia | 5 | $ 415,000 | $ 83,000 | $ 49,000 |
| Douglas County Georgia | 4 | $ 940,000 | $ 235,000 | $ 90,000 |
| Henry County Georgia | 4 | $ 650,000 | $ 162,000 | $ 117,000 |
| Newton County Georgia | 4 | $ 540,000 | $ 135,000 | $ 51,000 |
| Rabun County Georgia | 4 | $ 580,000 | $ 145,000 | $ 69,000 |
| Dillon County South Carolina | 4 | $ 230,000 | $ 57,000 | $ 58,000 |
| Greenwood County South Carolina | 4 | $ 1,100,000 | $ 275,000 | $ 117,000 |
| Cocke County Tennessee | 4 | $ 530,000 | $ 132,000 | $ 61,000 |
| Hanover County Virginia | 4 | $ 800,000 | $ 200,000 | $ 84,000 |
| James City County Virginia | 4 | $ 960,000 | $ 240,000 | $ 138,000 |
| Prince William County Virginia | 4 | $ 1,250,000 | $ 312,000 | $ 142,000 |
| Suffolk County Virginia | 4 | $ 550,000 | $ 137,000 | $ 83,000 |
| Washington County Virginia | 4 | $ 700,000 | $ 175,000 | $ 71,000 |
| Carroll County Georgia | 3 | $ 245,000 | $ 81,000 | $ 90,000 |
| Cherokee County Georgia | 3 | $ 655,000 | $ 218,000 | $ 166,000 |
| Clarke County Georgia | 3 | $ 295,000 | $ 98,000 | $ 105,000 |
| Columbia County Georgia | 3 | $ 435,000 | $ 145,000 | $ 103,000 |
| Hall County Georgia | 3 | $ 905,000 | $ 301,000 | $ 268,000 |
| Whitfield County Georgia | 3 | $ 505,000 | $ 168,000 | $ 100,000 |
| Chester County South Carolina | 3 | $ 425,000 | $ 141,000 | $ 54,000 |
| Darlington County South Carolina | 3 | $ 75,000 | $ 25,000 | $ 74,000 |
| Jasper County South Carolina | 3 | $ 365,000 | $ 121,000 | $ 52,000 |
| Kershaw County South Carolina | 3 | $ 575,000 | $ 191,000 | $ 298,000 |
| Pickens County South Carolina | 3 | $ 185,000 | $ 61,000 | $ 103,000 |
| Hamblen County Tennessee | 3 | $ 755,000 | $ 251,000 | $ 109,000 |
| Hamilton County Tennessee | 3 | $ 465,000 | $ 155,000 | $ 67,000 |
| Loudon County Tennessee | 3 | $ 645,000 | $ 215,000 | $ 113,000 |
| Rutherford County Tennessee | 3 | $ 385,000 | $ 128,000 | $ 75,000 |
| Williamson County Tennessee | 3 | $ 1,195,000 | $ 398,000 | $ 113,000 |
| Wilson County Tennessee | 3 | $ 625,000 | $ 208,000 | $ 160,000 |
| Accomack County Virginia | 3 | $ 395,000 | $ 131,000 | $ 68,000 |
| Bedford County Virginia | 3 | $ 765,000 | $ 255,000 | $ 107,000 |
| Emporia County Virginia | 3 | $ 295,000 | $ 98,000 | $ 72,000 |
| Frederick County Virginia | 3 | $ 805,000 | $ 268,000 | $ 104,000 |
| Galax County Virginia | 3 | $ 215,000 | $ 71,000 | $ 44,000 |
| Bryan County Georgia | 2 | $ 740,000 | $ 370,000 | $ 135,000 |
| Bulloch County Georgia | 2 | $ 470,000 | $ 235,000 | $ 142,000 |
| Clayton County Georgia | 2 | $ 310,000 | $ 155,000 | $ 90,000 |
| Fannin County Georgia | 2 | $ 250,000 | $ 125,000 | $ 71,000 |
| Glynn County Georgia | 2 | $ 340,000 | $ 170,000 | $ 72,000 |
| Gordon County Georgia | 2 | $ 350,000 | $ 175,000 | $ 133,000 |
| Habersham County Georgia | 2 | $ 50,000 | $ 25,000 | $ 23,000 |
| Lowndes County Georgia | 2 | $ 480,000 | $ 240,000 | $ 209,000 |
| Pickens County Georgia | 2 | $ 360,000 | $ 180,000 | $ 171,000 |
| Walton County Georgia | 2 | $ 220,000 | $ 110,000 | $ 80,000 |
| White County Georgia | 2 | $ 550,000 | $ 275,000 | $ 137,000 |
| Berkeley County South Carolina | 2 | $ 280,000 | $ 140,000 | $ 46,000 |
| Sumter County South Carolina | 2 | $ 220,000 | $ 110,000 | $ 72,000 |
| Williamsburg County South Carolina | 2 | $ 150,000 | $ 75,000 | $ 47,000 |
| Bradley County Tennessee | 2 | $ 230,000 | $ 115,000 | $ 55,000 |
| Coffee County Tennessee | 2 | $ 300,000 | $ 150,000 | $ 101,000 |
| Jefferson County Tennessee | 2 | $ 440,000 | $ 220,000 | $ 104,000 |
| Shelby County Tennessee | 2 | $ 310,000 | $ 155,000 | $ 117,000 |
| Sullivan County Tennessee | 2 | $ 270,000 | $ 135,000 | $ 85,000 |
| Fluvanna County Virginia | 2 | $ 370,000 | $ 185,000 | $ 117,000 |
| Hopewell County Virginia | 2 | $ 110,000 | $ 55,000 | $ 66,000 |
| Lynchburg County Virginia | 2 | $ 130,000 | $ 65,000 | $ 60,000 |
| Prince George County Virginia | 2 | $ 430,000 | $ 215,000 | $ 86,000 |
| Richmond City County Virginia | 2 | $ 640,000 | $ 320,000 | $ 82,000 |
| Tazewell County Virginia | 2 | $ 140,000 | $ 70,000 | $ 86,000 |
| Wythe County Virginia | 2 | $ 300,000 | $ 150,000 | $ 114,000 |
| Bibb County Georgia | 1 | $ 45,000 | $ 45,000 | $ 2,000 |
| Camden County Georgia | 1 | $ 145,000 | $ 145,000 | $ 47,000 |
| Clay County Georgia | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| Coweta County Georgia | 1 | $ 245,000 | $ 245,000 | $ 83,000 |
| Dawson County Georgia | 1 | $ 115,000 | $ 115,000 | $ 112,000 |
| Dougherty County Georgia | 1 | $ 155,000 | $ 155,000 | $ 267,000 |
| Forsyth County Georgia | 1 | $ 255,000 | $ 255,000 | $ 70,000 |
| Gilmer County Georgia | 1 | $ 215,000 | $ 215,000 | $ 147,000 |
| Hancock County Georgia | 1 | $ 195,000 | $ 195,000 | $ 200,000 |
| Jackson County Georgia | 1 | $ 255,000 | $ 255,000 | $ 78,000 |
| Peach County Georgia | 1 | $ 15,000 | $ 15,000 | $ 45,000 |
| Upson County Georgia | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Christian County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 140,000 |
| Howard County Maryland | 1 | $ 25,000 | $ 25,000 | $ 75,000 |
| Clarendon County South Carolina | 1 | $ 215,000 | $ 215,000 | $ 87,000 |
| Fairfield County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 91,000 |
| Marion County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 19,000 |
| Newberry County South Carolina | 1 | $ 35,000 | $ 35,000 | $ 38,000 |
| Orangeburg County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 90,000 |
| Blount County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Campbell County Tennessee | 1 | $ 5,000 | $ 5,000 | $ 52,000 |
| Claiborne County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 195,000 |
| Dickson County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Giles County Tennessee | 1 | $ 355,000 | $ 355,000 | $ 126,000 |
| Hawkins County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 69,000 |
| Lincoln County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Macon County Tennessee | 1 | $ 265,000 | $ 265,000 | $ 78,000 |
| Montgomery County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 58,000 |
| Moore County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Polk County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 78,000 |
| Putnam County Tennessee | 1 | $ 285,000 | $ 285,000 | $ 204,000 |
| Sumner County Tennessee | 1 | $ 295,000 | $ 295,000 | $ 85,000 |
| Albemarle County Virginia | 1 | $ 55,000 | $ 55,000 | $ 121,000 |
| Amherst County Virginia | 1 | $ 215,000 | $ 215,000 | $ 54,000 |
| Arlington County Virginia | 1 | $ 55,000 | $ 55,000 | $ 66,000 |
| Botetourt County Virginia | 1 | $ 235,000 | $ 235,000 | $ 110,000 |
| Bristol County Virginia | 1 | $ 225,000 | $ 225,000 | $ 144,000 |
| Brunswick County Virginia | 1 | $ 25,000 | $ 25,000 | $ 67,000 |
| Buckingham County Virginia | 1 | $ 75,000 | $ 75,000 | $ 66,000 |
| Caroline County Virginia | 1 | $ 35,000 | $ 35,000 | $ 113,000 |
| Charlotte County Virginia | 1 | $ 115,000 | $ 115,000 | $ 89,000 |
| Covington County Virginia | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Essex County Virginia | 1 | $ 165,000 | $ 165,000 | $ 85,000 |
| Floyd County Virginia | 1 | $ 125,000 | $ 125,000 | $ 72,000 |
| Giles County Virginia | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Goochland County Virginia | 1 | $ 295,000 | $ 295,000 | $ 79,000 |
| Greene County Virginia | 1 | $ 305,000 | $ 305,000 | $ 79,000 |
| Hampton County Virginia | 1 | $ 235,000 | $ 235,000 | $ 80,000 |
| King William County Virginia | 1 | $ 135,000 | $ 135,000 | $ 68,000 |
| Lancaster County Virginia | 1 | $ 345,000 | $ 345,000 | $ 259,000 |
| Loudoun County Virginia | 1 | $ 245,000 | $ 245,000 | $ 88,000 |
| Manassas County Virginia | 1 | $ 315,000 | $ 315,000 | $ 131,000 |
| Martinsville County Virginia | 1 | $ 35,000 | $ 35,000 | $ 45,000 |
| Montgomery County Virginia | 1 | $ 215,000 | $ 215,000 | $ 85,000 |
| Nelson County Virginia | 1 | $ 285,000 | $ 285,000 | $ 86,000 |
| Orange County Virginia | 1 | $ 245,000 | $ 245,000 | $ 72,000 |
| Petersburg County Virginia | 1 | $ 165,000 | $ 165,000 | $ 80,000 |
| Portsmouth County Virginia | 1 | $ 95,000 | $ 95,000 | $ 163,000 |
| Pulaski County Virginia | 1 | $ 75,000 | $ 75,000 | $ 102,000 |
| Roanoke County Virginia | 1 | $ 155,000 | $ 155,000 | $ 121,000 |
| Rockingham County Virginia | 1 | $ 255,000 | $ 255,000 | $ 127,000 |
| Shenandoah County Virginia | 1 | $ 165,000 | $ 165,000 | $ 98,000 |
| Southampton County Virginia | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Spotsylvania County Virginia | 1 | $ 405,000 | $ 405,000 | $ 104,000 |
| Sussex County Virginia | 1 | $ 25,000 | $ 25,000 | $ 83,000 |
| Williamsburg County Virginia | 1 | $ 125,000 | $ 125,000 | $ 134,000 |
| Wise County Virginia | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for State Employees' in 2020
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 | 20,709 | $3,224,435,000 | $155,000 | $1,945,000 | $98,000 | $4,318,000 |
| Home Purchase | 19,474 | $3,589,300,000 | $184,000 | $1,515,000 | $84,000 | $5,200,000 |
| Home Improvement | 6,024 | $315,430,000 | $52,000 | $755,000 | $95,000 | $1,044,000 |
| Other Purpose | 5,335 | $321,135,000 | $60,000 | $1,085,000 | $100,000 | $2,600,000 |
| 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 | 33,862 | $4,839,100,000 | $142,000 | $1,945,000 | $96,000 | $4,318,000 |
| Black or African American | 10,521 | $1,461,805,000 | $138,000 | $1,165,000 | $78,000 | $1,026,000 |
| Not Provided | 4,989 | $843,385,000 | $169,000 | $1,225,000 | $100,000 | $2,400,000 |
| Hispanic | 1,235 | $166,245,000 | $134,000 | $955,000 | $76,000 | $484,000 |
| Asian | 435 | $78,605,000 | $180,000 | $1,375,000 | $111,000 | $1,168,000 |
| American Indian or Alaskan Native | 398 | $48,850,000 | $122,000 | $975,000 | $88,000 | $564,000 |
| Native Hawaiian or Other Pacific Islander | 25 | $3,835,000 | $153,000 | $285,000 | $284,000 | $5,200,000 |
| 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) | 51,542 | $7,450,300,000 | $144,000 | $1,945,000 | $93,000 | $5,200,000 |
| 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 | 34,327 | $5,140,485,000 | $149,000 | $1,945,000 | $97,000 | $4,318,000 |
| Application Denied By Financial Institution | 6,753 | $801,405,000 | $118,000 | $1,605,000 | $69,000 | $5,200,000 |
| Application Withdrawn By Applicant | 6,327 | $925,065,000 | $146,000 | $1,175,000 | $93,000 | $2,330,000 |
| File Closed For Incompleteness | 3,246 | $452,960,000 | $139,000 | $1,235,000 | $100,000 | $2,400,000 |
| Application Approved But Not Accepted | 540 | $79,620,000 | $147,000 | $1,345,000 | $95,000 | $837,000 |
| Loan Purchased By The Institution | 349 | $50,765,000 | $145,000 | $765,000 | $88,000 | $350,000 |
| 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 | 44,789 | $6,648,895,000 | $148,000 | $1,945,000 | $96,000 | $4,318,000 |
| Debt-To-Income Ratio | 2,969 | $362,195,000 | $121,000 | $1,605,000 | $52,000 | $458,000 |
| Credit History | 1,916 | $201,300,000 | $105,000 | $945,000 | $76,000 | $5,200,000 |
| Collateral | 1,431 | $175,905,000 | $122,000 | $1,305,000 | $89,000 | $719,000 |
| Unverifiable Information | 187 | $28,575,000 | $152,000 | $1,085,000 | $77,000 | $1,184,000 |
| Other | 173 | $23,715,000 | $137,000 | $1,205,000 | $89,000 | $598,000 |
| Credit Application Incomplete | 36 | $4,010,000 | $111,000 | $445,000 | $102,000 | $250,000 |
| Employment History | 35 | $4,895,000 | $139,000 | $365,000 | $57,000 | $211,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $810,000 | $135,000 | $295,000 | $55,000 | $88,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into State Employees''s 2020 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.