Bedford County, VA Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 4,585 mortgage applications in Bedford County, VA totaling $1.1 billion, down 36% from 2021. The average application was for $247,000, and applicants reported an average income of $113,000. 57% of applications resulted in an originated loan and 16% were denied. The most active lender was Truist Bank, with 263 applications, followed by Vanderbilt Mortgage and Finance, Inc and Member One Federal Credit Union.

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Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 4,585
Total Mortgage Loan Application Amount $1,136,355,000
Average Mortgage Loan Application Amount $247,000
Highest Mortgage Loan Application Amount $41,305,000
Average Applicant Income $113,000
Highest Applicant Income $3,990,000

Mortgage Company List for Lending in Bedford County, VA for 2022

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 263 $ 84,695,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 250 $ 39,020,000
Member One Federal Credit Union
P.O. BOX 12288
ROANOKE, VA 24024
* $ 1,454,750,000 188 $ 15,140,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 158 $ 41,710,000
Atlantic Union Bank
1051 EAST CARY STREET, SUITE 1200
GLEN ALLEN, VA 23060
* $ 20,000,309,000 140 $ 18,930,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 136 $ 35,830,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 136 $ 31,270,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 128 $ 35,140,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 105 $ 26,075,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ -1,000 95 $ 26,885,000
Bank of the James
828 MAIN STREET
LYNCHBURG, VA 24504
* $ 977,506,000 87 $ 15,395,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 58,215,736,000 86 $ 16,100,000
First Bank and Trust Company
PO BOX 1000
ABINGDON, VA 24212
* $ 1,946,484,000 80 $ 26,110,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 78 $ 20,250,000
Freedom First Federal Credit Union
5240 VALLEYPARK DRIVE
ROANOKE, VA 24019
* $ 886,853,000 64 $ 11,860,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 62 $ 16,280,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 16,793,269,000 61 $ 19,135,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 60 $ 5,040,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 59 $ 13,065,000
American National Bank and Trust Company
628 MAIN STREET
DANVILLE, VA 24541
* $ 3,327,290,000 58 $ 11,660,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 55 $ 8,025,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 55 $ 18,205,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 49 $ 11,955,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 47 $ 13,505,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 41 $ 9,385,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 39 $ 11,345,000
McLean Mortgage Corporation
11325 RANDOM HILLS RD. SUITE 400
FAIRFAX, VA 22030
* $ -1,000 38 $ 12,150,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 38 $ 9,470,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 37 $ 8,685,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 36 $ 8,630,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 35 $ 10,995,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 33 $ 6,775,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 32 $ 8,140,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 30 $ 7,660,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 30 $ 7,550,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 30 $ 6,940,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 29 $ 11,085,000
Nation One Mortgage Corporatio
701 ROUTE 73 N SUITE 2
MARLTON, NJ 08053
* $ -1,000 29 $ 8,035,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 29 $ 6,245,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 28 $ 8,030,000
Integrity Home Mortgage Corporation
122 PILOT CIRCLE
WINCHESTER, VA 22602
* $ -1,000 27 $ 7,265,000
Bank of Botetourt
19747 MAIN STREET
BUCHANAN, VA 24066
* $ 663,766,000 26 $ 7,770,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 25 $ 6,905,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 25 $ 2,025,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 25 $ 6,565,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 24 $ 5,080,000
Blue Eagle Credit Union
2121 ELECTRIC RD
ROANOKE, VA 24018
* $ 202,757,000 23 $ 2,825,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 23 $ 6,235,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 23 $ 4,005,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 22 $ 5,900,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 22 $ 3,640,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 22 $ 1,720,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 20 $ 4,110,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 20 $ 4,700,000
Cnb Bank
1 S SECOND STREET
CLEARFIELD, PA 16830
* $ 5,307,549,000 19 $ 4,935,000
Guaranty Home Mortgage Corporation
316 ROBERT ROSE DRIVE
NASHVILLE, TN 37129
* $ -1,000 19 $ 5,855,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 18 $ 7,780,000
Carter Bank and Trust
PO BOX 3748
MARTINSVILLE, VA 24112
* $ 4,133,175,000 18 $ 2,810,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 17 $ 1,705,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ 38,275,134,000 16 $ 2,340,000
First National Bank
P. O. BOX 29, 622 BROAD STREET
ALTAVISTA, VA 24517
* $ 1,014,122,000 16 $ 3,540,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 16 $ 3,640,000
Apex Home Loans, Inc.
3204 TOWER OAKS BLVD., SUITE 400
ROCKVILLE, MD 20852
* $ -1,000 16 $ 4,280,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 16 $ 4,530,000
Virginia Federal Credit Union
PO BOX 90010
RICHMOND, VA 23225
* $ 4,993,101,000 16 $ 2,980,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 16 $ 5,360,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 15 $ 4,125,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 15 $ 3,505,000
George Mason Mortgage, LLC
4100 MONUMENT CORNER DRIVE #100
PRINCE WILLIAM, VA 22030
* $ -1,000 14 $ 5,340,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 14 $ 5,390,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 14 $ 2,480,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ -1,000 14 $ 4,550,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,669,227,000,000 13 $ 5,585,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 12 $ 3,510,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 12 $ 3,060,000
Select Bank
P.O. BOX 4620
FOREST, VA 24551
* $ 395,272,000 11 $ 4,335,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 10 $ 2,810,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 10 $ 2,370,000
The Farmers Bank of Appomattox
223 MAIN ST
APPOMATTOX, VA 24522
* $ 318,938,000 10 $ 4,620,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 10 $ 3,600,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 10 $ 3,560,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 9 $ 1,835,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 23,754,594,000 9 $ 2,765,000
Ovm Financial, Inc.
816 GREENBRIER CIRCLE SUITE 100
CHESAPEAKE, VA 23320
* $ -1,000 9 $ 2,295,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 9 $ 1,595,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ -1,000 9 $ 3,185,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 9 $ 2,655,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ -1,000 8 $ 2,510,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 8 $ 1,060,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 8 $ 1,260,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 8 $ 2,190,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 7 $ 2,155,000
The Fidelity Bank
100 S. MAIN STREET
FUQUAY-VARINA, NC 27526
* $ 3,564,427,000 7 $ 2,265,000
First Bank
112 W KING ST
STRASBURG, VA 22657
* $ 1,383,368,000 7 $ 2,405,000
Farm Credit of the Virginias, Aca
106 SANGERS LANE
STAUNTON, VA 24401
* $ -1,000 7 $ 1,535,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 7 $ 1,805,000
Blue Ridge Bank
P.O. BOX 609, 17 WEST MAIN ST
LURAY, VA 22835
* $ 2,640,347,000 7 $ 1,885,000
Hometrust Bank
PO BOX 10
ASHEVILLE, NC 28802
* $ 3,502,617,000 7 $ 625,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 7 $ 645,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 7 $ 1,385,000
First Reliance Bank
2170 W PALMETTO ST
FLORENCE, SC 29501
* $ 908,003,000 7 $ 1,475,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 7 $ 1,035,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ -1,000 7 $ 1,455,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 6 $ 1,340,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,177,145,000 6 $ 2,770,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 6 $ 2,010,000
State Employees' Credit Union
P.O. DRAWER 25279
RALEIGH, NC 27611
* $ 51,653,025,000 6 $ 2,010,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 6 $ 1,610,000
United Bank VA

MORGANTOWN, WV 26505
* $ 29,289,723,000 6 $ 20,310,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 6 $ 680,000
Central Virginia FCU
1638 MT ATHOS ROAD
LYNCHBURG, VA 24504
* $ 191,885,000 6 $ 1,020,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 39,468,318,000 6 $ 1,710,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 423,958,417,000 6 $ 1,960,000
Atlantic Coast Mortgage, LLC
4100 MONUMENT CORNER DRIVE, SUITE 300
FAIRFAX, VA 22030
* $ -1,000 6 $ 2,120,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 6 $ 1,470,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ -1,000 6 $ 1,390,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ -1,000 5 $ 1,055,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 5 $ 645,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 5 $ 1,875,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 5 $ 1,075,000
First Heritage Mortgage, LLC
11325 RANDOM HILLS RD SUITE 600
FAIRFAX, VA 22031
* $ -1,000 5 $ 1,315,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 5 $ 935,000
Amerant Mortgage LLC
226 N KENTUCKY AVE
LAKELAND, FL, FL 33801
* $ -1,000 5 $ 1,785,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 420,502,000,000 5 $ 3,905,000
Farmers & Merchants Bank
PO BOX 1111
TIMBERVILLE, VA 22853
* $ 812,968,000 5 $ 1,195,000
Fulton Bank, National Association
ONE PENN SQUARE
LANCASTER, PA 17602
* $ 25,647,791,000 5 $ 1,135,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,120,189,000 5 $ 755,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 4 $ 650,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 4 $ 1,280,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 4 $ 1,530,000
National Bank of Blacksburg
P.O. BOX 90002
BLACKSBURG, VA 24060
* $ 1,318,594,000 4 $ 820,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ -1,000 4 $ 1,800,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 4 $ 1,300,000
Member Advantage Mortgage
3330 BROADMOOR SE, SUITE B
GRAND RAPIDS, MI 49512
* $ -1,000 4 $ 510,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 4 $ 1,920,000
Tower Federal Credit Union
7901 SANDY SPRING ROAD
LAUREL, MD 20707
* $ 4,068,592,000 4 $ 740,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 88,758,641,000 4 $ 810,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 4 $ 1,200,000
Valleystar Credit Union
41 WHEELER AVE
MARTINSVILLE, VA 24115
* $ 615,062,000 4 $ 560,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ -1,000 4 $ 4,410,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 4 $ 1,060,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 4 $ 660,000
Kwik Mortgage Corporation
959 ROUTE 46 EAST, #401
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 1,085,000
Coastal Federal Credit Union
PO BOX 99167
RALEIGH, NC 27690
* $ 4,623,157,000 3 $ 1,295,000
Homespire Mortgage Corporation

FAIRFAX, VA 22031
* $ -1,000 3 $ 695,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 3 $ 735,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 3 $ 805,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 3 $ 745,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,582,271,000 3 $ 955,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 3 $ 315,000
Eastern Bank
125 HIGH ST
BOSTON, MA 02110
* $ 23,490,236,000 3 $ 1,235,000
Langley Federal Credit Union
721 LAKEFRONT COMMONS, SUITE 102
NEWPORT NEWS, VA 23606
* $ 4,195,308,000 3 $ 765,000
Dupont Community Credit Union
140 LUCY LANE
WAYNESBORO, VA 22980
* $ 1,766,137,000 3 $ 155,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 3 $ 415,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ 1,164,122,000 3 $ 315,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 435,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ -1,000 3 $ 1,095,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 3 $ 395,000
Amerant Bank, N.A.
220 ALHAMBRA CIRCLE
MIAMI, FL 33134
* $ 7,622,254,000 3 $ 945,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 3 $ 845,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 15,151,012,000 3 $ 305,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 2 $ 430,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 547,610,000 2 $ 410,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 2 $ 670,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 2 $ 880,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 750,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 2 $ 450,000
Skyline National Bank
PO BOX 186
INDEPENDENCE, VA 24348
* $ 995,564,000 2 $ 260,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 2 $ 480,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ -1,000 2 $ 580,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ 431,628,000 2 $ 410,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 8,802,432,000 2 $ 190,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 121,064,212,000 2 $ 1,650,000
Angel Oak Home Loans LLC
3600 PEACHTREE ROAD NW, SUITE 500
ATLANTA, GA 30305
* $ -1,000 2 $ 220,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 2 $ 620,000
First Home Mortgage
6211 GREENLEIGH AVENUE SUITE 300
BALTIMORE, MD 21220
* $ -1,000 2 $ 780,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,041,605,000 2 $ 1,350,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 349,214,000 2 $ 490,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 11,474,358,000 2 $ 230,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 2 $ 160,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ -1,000 2 $ 620,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ -1,000 2 $ 1,100,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 589,632,000 2 $ 1,060,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ -1,000 2 $ 370,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 2 $ 150,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 2 $ 110,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ 20,248,406,000 2 $ 810,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 580,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ -1,000 2 $ 580,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 4,351,512,000 2 $ 880,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ 3,779,449,000 2 $ 610,000
Princeton Mortgage Corporation
2482 PENNINGTON ROAD SUITE 1
EWING, NJ 08628
* $ -1,000 2 $ 320,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 162,193,000,000 2 $ 450,000
Proponent FCU
536 WASHINGTON AVE.
NUTLEY, NJ 07110
* $ 536,249,000 2 $ 250,000
Apple Federal Credit Union
4029 RIDGE TOP RD
FAIRFAX, VA 22030
* $ 3,890,783,000 2 $ 440,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 2 $ 460,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 2 $ 620,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ 1,025,737,000 2 $ 220,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 420,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ -1,000 2 $ 480,000
Cake Mortgage Corp.
9200 OAKDALE AVE STE 501
CHATSWORTH, CA 91311
* $ -1,000 2 $ 630,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 2 $ 510,000
Fidelity Direct Mortgage, LLC
438 NORTH FREDERICK AVE SUITE 315
GAITHERSBURG, MD 20877
* $ -1,000 1 $ 275,000
Mason-Mcduffie Mortgage Corporation
2010 CROW CANYON PLACE, #400
SAN RAMON, CA 94583
* $ -1,000 1 $ 95,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 265,000
Sandia Area Federal Credit Uni
PO BOX 18044
ALBUQUERQUE, NM 87185
* $ 987,396,000 1 $ 65,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 1 $ 275,000
Advisors Mortgage Group, LLC
1411 HIGHWAY 35
OCEAN, NJ 07712
* $ -1,000 1 $ 235,000
Meridian Bank
9 OLD LINCOLN HIGHWAY
MALVERN, PA 19355
* $ 1,713,318,000 1 $ 805,000
Bayport Credit Union
2107 HARTFORD RD, SUITE B
NEWPORT NEWS, VA 23606
* $ 2,278,711,000 1 $ 125,000
Compass Mortgage, Inc.
27755 DIEHL ROAD, STE 100
WARRENVILLE, IL 60555
* $ -1,000 1 $ 105,000
Primis Bank
10900 NUCKOLS ROAD SUITE 325 GLEN ALLEN
GLEN ALLEN, VA 23060
* $ 3,402,518,000 1 $ 255,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ -1,000 1 $ 195,000
First Savings Mortgage Corporation
8444 WEST PARK DRIVE, THE 4TH FLOOR
MCLEAN, VA 22102
* $ -1,000 1 $ 485,000
Bank of Oak Ridge
8050 FOGLEMAN RD.
8050 FOGLEMAN RD., NC 27310
* $ 582,719,000 1 $ 255,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ -1,000 1 $ 225,000
Keystone Funding, Inc
519 S RED HAVEN LN
DOVER, DE 19901
* $ -1,000 1 $ 235,000
Liberty Savings Bank, FSB
3435 AIRBORNE RD, STE B
WILMINGTON, OH 45177
* $ 983,927,000 1 $ 635,000
Vellum Mortgage, Inc.
12700 FAIR LAKES CIR SUITE 400
FAIRFAX, VA 22033
* $ -1,000 1 $ 725,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ -1,000 1 $ 725,000
Midland Mortgage Corporation
1500 RICHLAND STREET
COLUMBIA, SC 29201
* $ -1,000 1 $ 95,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 1 $ 195,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 7,713,957,000 1 $ 65,000
Uva Community Credit Union
3300 BERKMAR DRIVE
CHARLOTTESVILLE, VA 22901
* $ 1,415,436,000 1 $ 105,000
Lafayette Federal Credit Union
2701 TOWER OAKS BLVD.,
ROCKVILLE, MD 20852
* $ 1,280,811,000 1 $ 35,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 5,955,821,000 1 $ 135,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ -1,000 1 $ 425,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ -1,000 1 $ 175,000
First Commonwealth Bank
PO BOX 400
INDIANA, PA 15701
* $ 9,521,721,000 1 $ 15,000
Castle Mortgage Corporation
10251 VISTA SORRENTO PKWY, STE. 225
WILMINGTON, DE 92121
* $ -1,000 1 $ 375,000
Publix Employees Federal Credit Union
3005 NEW TAMPA HWY
LAKELAND, FL 33802
* $ 1,392,469,000 1 $ 75,000
Department of Commerce Federal Credit Union
P.O. BOX 14720
WASHINGTON, DC 20230
* $ 633,901,000 1 $ 255,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 1 $ 155,000
Member Options, LLC
1936 ARLINGTONG BLVD.
CHARLOTTESVILLE, VA 22903
* $ -1,000 1 $ 255,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 315,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 1 $ 295,000
Chevron Federal Credit Union
2300 CLAYTON ROAD SUITE 700
CONCORD, CA 94520
* $ 4,465,477,000 1 $ 365,000
BNC National Bank

BISMARCK, ND 58501
* $ 1,046,501,000 1 $ 385,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 1 $ 275,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ 10,312,436,000 1 $ 805,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 788,114,000 1 $ 205,000
Salem VA Credit Union
1970 ROANOKE BLVD BLDG 77 SUITE 12
SALEM, VA 24153
* $ 100,167,000 1 $ 45,000
Civic Financial Services, LLC
2015 MANHATTAN BEACH BLVD STE 106
GLENDALE, CA 90278
* $ -1,000 1 $ 925,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ -1,000 1 $ 285,000
Eaglebank
11931 TECH RD
BETHESDA, MD 20814
* $ 11,799,111,000 1 $ 725,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 154,830,000,000 1 $ 375,000
Peoples Mortgage Company
2055 E CENTENNIAL CIRCLE
TEMPE, AZ 85284
* $ -1,000 1 $ 135,000
Lument Structured Finance LLC
10 W BROAD ST 8TH FLOOR
COLUMBUS, OH 43215
* $ -1,000 1 $ 9,605,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 1 $ 235,000
I H Mississippi Valley Credit Union
2121 47TH STREET
MOLINE, IL 61265
* $ 1,832,277,000 1 $ 145,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ -1,000 1 $ 265,000
Linkbank
32 W MARKET STREET
CAMP HILL, PA 17011
* $ 920,453,000 1 $ 205,000
Self Help Credit Union
301 W MAIN STREET
DURHAM, NC 27702
* $ 1,341,481,000 1 $ 255,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 18,959,414,000 1 $ 435,000
Independent Bank
1600 REDBUD BLVD
MCKINNEY, TX 75070
* $ 18,728,746,000 1 $ 3,035,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 315,000
Jams-01 Inc dba Home Savings & Trust Mortgage
JAMS-01, INC. 3701 PENDER DRIVE #150
FAIRFAX, VA 22030
* $ -1,000 1 $ 275,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ -1,000 1 $ 135,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 5,072,223,000 1 $ 105,000
First American Bank
80 STRATFORD DRIVE
ELK GROVE VILLAGE, IL 60007
* $ 6,111,597,000 1 $ 35,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 235,000
Tidewater Mortgage Services, Inc
200 GOLDEN OAK COURT STE. 100
VIRGINIA BEACH, VA 26452
* $ -1,000 1 $ 285,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 5,652,968,000 1 $ 605,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ -1,000 1 $ 55,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 183,977,708,000 1 $ 785,000
Notre Dame Federal Credit Union
P.O. BOX 7878
NOTRE DAME, IN 46556
* $ 904,564,000 1 $ 205,000
1st Summit Bank
125 DONALD LANE
JOHNSTOWN, PA 15904
* $ 1,303,961,000 1 $ 325,000
Educational Systems FCU
PO BOX 179
GREENBELT, MD 20768
* $ 1,242,694,000 1 $ 205,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ -1,000 1 $ 245,000
Call Federal
4605 COMMERCE ROAD
RICHMOND, VA 23234
* $ 537,922,000 1 $ 55,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ -1,000 1 $ 275,000
Metro City Bank
5114 BUFORD HIGHWAY
DORAVILLE, GA 30340
* $ 3,111,820,000 1 $ 425,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 2,287,872,000 1 $ 525,000
Southern Bank and Trust Company
PO BOX 729
MOUNT OLIVE, NC 28365
* $ 4,415,924,000 1 $ 355,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,089,286,000 1 $ 265,000
Summit Community Bank, Inc
PO BOX 680; 310 NORTH MAIN STREET
MOOREFIELD, WV 26836
* $ 3,555,648,000 1 $ 35,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 135,000
Prime Choice Funding Inc.
17852 17TH ST #107
TUSTIN, CA 92780
* $ -1,000 1 $ 265,000
Cbm Mortgage, Inc.
912 HOMETOWN WAY
FRONT ROYAL, VA 22630
* $ -1,000 1 $ 255,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ -1,000 1 $ 385,000
Cnb Bank Inc.
101 S WASHINGTON STREET
BERKELEY SPRINGS, WV 25411
* $ 538,096,000 1 $ 195,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 395,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ 41,822,249,000 1 $ 2,205,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 205,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ 167,115,000 1 $ 385,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ -1,000 1 $ 185,000
Hanscom Federal Credit Union
1610 EGLIN ST
HANSCOM AFB, MA 01731
* $ 1,804,018,000 1 $ 475,000
Fay Servicing LLC

TAMPA, FL 33609
* $ -1,000 1 $ 185,000
Orion Federal Credit Union
7845 HIGHWAY 64
MEMPHIS, TN 38103
* $ 1,051,472,000 1 $ 775,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 365,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 14,047,081,000 1 $ 435,000
Lakeview Community Capital
4425 PONE DE LEON BLVD, MS 5-251
CORAL GABLES, FL 33146
* $ -1,000 1 $ 45,000
Space Coast Credit Union
8045 N. WICKHAM RD
MELBOURNE, FL 32940
* $ 6,746,005,000 1 $ 45,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ -1,000 1 $ 225,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 225,000
Southern First Bank
100 VERDAE BLVD
GREENVILLE, SC 29607
* $ 2,925,939,000 1 $ 255,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 1,230,840,000 1 $ 385,000
Silver Hill Funding
4425 PONCE DE LEON BLVD
CORAL GABLES, FL 33146
* $ -1,000 1 $ 295,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 175,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 175,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 175,000
Georgia's Own Credit Union
100 PEACHTREE ST NW
100 PEACHTREE ST. NW 2800, GA 30303
* $ 3,419,403,000 1 $ 165,000
Nexera Holding LLC
2200 POWELL STREET SUITE 340
EMERYVILLE, CA 94608
* $ -1,000 1 $ 225,000
Paramount Bank
90 VILLAGE SQUARE SHOPPING CENTER
HAZELWOOD, MO 63042
* $ 153,010,000 1 $ 805,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 1 $ 315,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ 887,431,000 1 $ 2,275,000
Citizens and Farmers Bank
415 14TH STREET
WEST POINT, VA 23181
* $ 2,238,851,000 1 $ 455,000
The Old Point National Bank of Phoebus
1 W MELLEN STREET
HAMPTON, VA 23669
* $ 1,330,067,000 1 $ 425,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 1 $ 245,000
Allegacy Federal Credit Union
P O BOX 26043
WINSTON SALEM, NC 27114
* $ 2,005,076,000 1 $ 45,000

The tables below break down 2022 mortgage applications in Bedford County, VA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Bedford County, VA 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 2,247 $704,955,000 $313,000 $41,305,000 $122,000 $3,990,000
Cash-out Refinancing 812 $196,490,000 $241,000 $1,765,000 $88,000 $1,554,000
Refinancing 654 $145,470,000 $222,000 $3,005,000 $111,000 $790,000
Other Purpose 479 $52,335,000 $109,000 $905,000 $112,000 $2,107,000
Home Improvement 366 $33,790,000 $92,000 $545,000 $126,000 $1,008,000
Not Applicable 27 $3,315,000 $122,000 $635,000 $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 3,316 $754,230,000 $227,000 $1,965,000 $113,000 $2,107,000
Not Provided 541 $122,595,000 $226,000 $775,000 $99,000 $600,000
Not applicable 380 $184,160,000 $484,000 $41,305,000 $152,000 $820,000
Black or African American 196 $41,280,000 $210,000 $965,000 $152,000 $3,990,000
Hispanic 83 $17,785,000 $214,000 $825,000 $94,000 $265,000
Asian 41 $11,535,000 $281,000 $625,000 $119,000 $502,000
American Indian or Alaskan Native 20 $3,110,000 $155,000 $385,000 $124,000 $800,000
Native Hawaiian or Other Pacific Islander 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) 3,569 $893,625,000 $250,000 $41,305,000 $123,000 $3,990,000
FHA-insured (Federal Housing Administration) 537 $111,405,000 $207,000 $635,000 $70,000 $906,000
VA-guaranteed (Veterans Administration) 359 $108,325,000 $301,000 $805,000 $89,000 $310,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 120 $23,000,000 $191,000 $325,000 $61,000 $98,000

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 2,608 $713,830,000 $273,000 $41,305,000 $123,000 $3,990,000
Application Denied By Financial Institution 727 $124,455,000 $171,000 $9,605,000 $82,000 $1,002,000
Application Withdrawn By Applicant 479 $112,915,000 $235,000 $1,185,000 $111,000 $3,990,000
Loan Purchased By The Institution 379 $109,475,000 $288,000 $1,275,000 $171,000 $1,938,000
File Closed For Incompleteness 249 $45,325,000 $182,000 $925,000 $92,000 $1,554,000
Application Approved But Not Accepted 140 $29,310,000 $209,000 $555,000 $103,000 $784,000
Preapproval Approved but not Accepted 3 $1,045,000 $348,000 $515,000 $90,000 $138,000
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 3,800 $992,020,000 $261,000 $41,305,000 $119,000 $3,990,000
Credit History 241 $34,515,000 $143,000 $655,000 $73,000 $364,000
Debt-To-Income Ratio 228 $47,310,000 $207,000 $1,755,000 $76,000 $709,000
Collateral 101 $16,965,000 $167,000 $765,000 $115,000 $558,000
Credit Application Incomplete 93 $24,445,000 $262,000 $9,605,000 $107,000 $360,000
Unverifiable Information 62 $9,730,000 $156,000 $335,000 $64,000 $180,000
Other 40 $7,240,000 $181,000 $625,000 $124,000 $1,002,000
Insufficient Cash (Downpayment, Closing Cost) 12 $2,740,000 $228,000 $585,000 $93,000 $340,000
Employment History 8 $1,390,000 $173,000 $335,000 $40,000 $72,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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