Buena Vista City, VA Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 710 mortgage applications in Buena Vista City, VA totaling $64.4 million, up 5% from 2004. The average application was for $90,000, and applicants reported an average income of $43,000. 39% of applications resulted in an originated loan and 23% were denied. The most active lender was Beneficial Company LLC, with 47 applications, followed by JPMorgan Chase Bank, NA and Countrywide Home Loans.
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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 | 710 |
| Total Mortgage Loan Application Amount | $64,361,000 |
| Average Mortgage Loan Application Amount | $90,000 |
| Highest Mortgage Loan Application Amount | $472,000 |
| Average Applicant Income | $43,000 |
| Highest Applicant Income | $391,000 |
Top Mortgage Lenders in Buena Vista City, VA (2005)
Ranked by the number of mortgage applications each lender reported in Buena Vista City, VA in 2005.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Beneficial Company LLC Mettawa, IL |
47 | $4,234,000 | $90,000 | $47,000 |
| 2 | JPMorgan Chase Bank, NA Columbus, OH |
40 | $4,084,000 | $102,000 | $44,000 |
| 3 | Countrywide Home Loans Westlake Village, CA |
37 | $4,042,000 | $109,000 | $60,000 |
| 4 | Abn Amro Mtg Group Inc New York, NY |
32 | $3,106,000 | $97,000 | $58,000 |
| 5 | First National Bank Christiansburg, VA |
26 | $2,699,000 | $103,000 | $43,000 |
| 6 | Branch Banking and Trust Co Wilson, NC |
23 | $2,554,000 | $111,000 | $3,000 |
| 7 | Planters Bank & Trust Company Staunton, VA |
21 | $1,162,000 | $55,000 | $53,000 |
| 8 | Bank of America, N.A. Calabasas, CA |
21 | $1,551,000 | $73,000 | $58,000 |
| 9 | Citifinancial, Inc. Baltimore, MD |
19 | $1,172,000 | $61,000 | $33,000 |
| 10 | Citimortgage, Inc New York, NY |
17 | $1,476,000 | $86,000 | $54,000 |
The tables below break down 2005 mortgage applications in Buena Vista City, VA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Buena Vista City, VA in 2005
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 | 459 | $44,805,000 | $97,000 | $472,000 | $41,000 | $391,000 |
| Home Purchase | 190 | $15,257,000 | $80,000 | $222,000 | $47,000 | $162,000 |
| Home Improvement | 61 | $4,299,000 | $70,000 | $472,000 | $44,000 | $120,000 |
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 | 529 | $45,754,000 | $86,000 | $472,000 | $46,000 | $391,000 |
| Not Provided | 82 | $8,117,000 | $98,000 | $472,000 | $46,000 | $99,000 |
| Not applicable | 67 | $6,923,000 | $103,000 | $370,000 | $2,000 | $53,000 |
| Black or African American | 22 | $1,464,000 | $66,000 | $184,000 | $41,000 | $115,000 |
| Hispanic | 8 | $1,517,000 | $189,000 | $370,000 | $67,000 | $104,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $135,000 | $135,000 | $135,000 | $80,000 | $80,000 |
| American Indian or Alaskan Native | 1 | $451,000 | $451,000 | $451,000 | $107,000 | $107,000 |
| Asian | 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) | 661 | $59,248,000 | $89,000 | $472,000 | $44,000 | $391,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $3,225,000 | $107,000 | $160,000 | $29,000 | $58,000 |
| FHA-insured (Federal Housing Administration) | 18 | $1,767,000 | $98,000 | $153,000 | $35,000 | $66,000 |
| VA-guaranteed (Veterans Administration) | 1 | $121,000 | $121,000 | $121,000 | $42,000 | $42,000 |
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 | 278 | $24,184,000 | $86,000 | $472,000 | $51,000 | $391,000 |
| Application Denied By Financial Institution | 165 | $14,352,000 | $86,000 | $360,000 | $41,000 | $132,000 |
| Loan Purchased By The Institution | 106 | $10,639,000 | $100,000 | $370,000 | $21,000 | $162,000 |
| Application Withdrawn By Applicant | 90 | $9,155,000 | $101,000 | $472,000 | $45,000 | $117,000 |
| Application Approved But Not Accepted | 52 | $4,072,000 | $78,000 | $358,000 | $49,000 | $120,000 |
| File Closed For Incompleteness | 18 | $1,829,000 | $101,000 | $190,000 | $41,000 | $86,000 |
| Preapproval Denied by Financial Institution | 1 | $130,000 | $130,000 | $130,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 37 | $2,936,000 | $79,000 | $154,000 | $44,000 | $132,000 |
| Collateral | 18 | $1,861,000 | $103,000 | $175,000 | $47,000 | $98,000 |
| Other | 18 | $1,631,000 | $90,000 | $208,000 | $40,000 | $87,000 |
| Debt-To-Income Ratio | 9 | $712,000 | $79,000 | $149,000 | $28,000 | $74,000 |
| Unverifiable Information | 8 | $636,000 | $79,000 | $122,000 | $40,000 | $58,000 |
| Credit Application Incomplete | 6 | $730,000 | $121,000 | $356,000 | $30,000 | $67,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $91,000 | $45,000 | $73,000 | $92,000 | $92,000 |
| Employment History | 1 | $28,000 | $28,000 | $28,000 | $0 | $0 |
| 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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