Clarke County, VA Mortgage Lenders & HMDA Data, 2017

In 2017, lenders reported 795 mortgage applications in Clarke County, VA totaling $227.8 million, down 22% from 2016. The average application was for $286,000, and applicants reported an average income of $110,000. 56% of applications resulted in an originated loan and 12% were denied. The most active lender was Wells Fargo Bank NA, with 66 applications, followed by Navy Federal Credit Union and Bank of Clarke.

Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Virginia.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 795
Total Mortgage Loan Application Amount $227,825,000
Average Mortgage Loan Application Amount $286,000
Highest Mortgage Loan Application Amount $2,000,000
Average Applicant Income $110,000
Highest Applicant Income $1,035,000

Mortgage Company List for Lending in Clarke County, VA for 2017

* 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
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,727,235,000,000 66 $ 16,798,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 79,775,662,000 33 $ 6,260,000
Bank of Clarke
2 E MAIN ST
BERRYVILLE, VA 22611
* $ 692,944,000 33 $ 6,455,000
George Mason Mortgage, LLC
4100 MONUMENT CORNER DRIVE #100
PRINCE WILLIAM, VA 22030
* $ -1,000 23 $ 9,123,000
Homeamerican Mortgage Corporation
4350 S MONACO STREET, SUITE 200
DENVER, CO 80237
* $ -1,000 22 $ 8,151,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 18 $ 5,101,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 17 $ 5,473,000
Atlantic Coast Mortgage, LLC
4100 MONUMENT CORNER DRIVE, SUITE 300
FAIRFAX, VA 22030
* $ -1,000 17 $ 4,243,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 17 $ 5,237,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 16 $ 4,249,000
Integrity Home Mortgage Corporation
122 PILOT CIRCLE
WINCHESTER, VA 22602
* $ -1,000 16 $ 5,135,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 214,433,035,000 16 $ 3,805,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 16 $ 4,539,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 16 $ 3,843,000
First Home Mortgage
6211 GREENLEIGH AVENUE SUITE 300
BALTIMORE, MD 21220
* $ -1,000 14 $ 4,064,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,082,803,000,000 13 $ 4,221,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 12 $ 3,457,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 10 $ 3,177,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 10 $ 2,782,000
McLean Mortgage Corporation
11325 RANDOM HILLS RD. SUITE 400
FAIRFAX, VA 22030
* $ -1,000 9 $ 2,085,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 9 $ 2,277,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,677,490,000,000 8 $ 2,787,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 3,128,362,000 8 $ 2,045,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,980,496,000 7 $ 2,274,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 7 $ 1,652,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 1,430,698,000 7 $ 2,057,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 7 $ 1,339,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 7 $ 2,398,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 77,760,914,000 7 $ 1,408,000
Apple Federal Credit Union
4029 RIDGE TOP RD
FAIRFAX, VA 22030
* $ 2,268,254,000 7 $ 1,010,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 6 $ 1,686,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 6 $ 2,817,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ -1,000 6 $ 2,018,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 6 $ 1,908,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 6 $ 2,979,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 200,557,635,000 6 $ 225,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 6 $ 847,000
Potomac Bank
111 EAST WASHINGTON ST
CHARLES TOWN, WV 00000
* $ 382,308,000 5 $ 2,687,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 5 $ 1,283,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 5 $ 1,748,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ 570,266,000 5 $ 1,212,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 5 $ 1,728,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 21,301,361,000 5 $ 1,212,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 5 $ 2,076,000
Horizon Farm Credit, Aca
45 AILERON CT.
MECHANICSBURG, PA 17050
* $ -1,000 5 $ 596,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 122,631,667,000 5 $ 2,019,000
Potomac Mortgage Group, Inc.
4035 RIDGE TOP ROAD, SUITE 100
FAIRFAX, VA 22030
* $ -1,000 5 $ 1,369,000
Residential Mortgage Services, Inc.
24 CHRISTOPHER TOPPI DRIVE
SOUTH PORTLAND, ME 04106
* $ -1,000 5 $ 1,618,000
Southern Trust Mortgage, LLC
4433 CORPORATION LANE SUITE 300
VIRGINIA BEACH, VA 23462
* $ -1,000 4 $ 971,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,095,554,000 4 $ 1,894,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 4 $ 1,066,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 441,010,095,000 4 $ 954,000
Washingtonfirst Mortgage Corporation
12700 FAIR LAKES CIRCLE, SUITE 400
FAIRFAX, VA 22033
* $ -1,000 4 $ 996,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 4 $ 1,199,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 4 $ 1,210,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 4 $ 1,619,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 3,275,430,000 3 $ 1,061,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 286,080,320,000 3 $ 883,000
Jams-01 Inc dba Home Savings & Trust Mortgage
JAMS-01, INC. 3701 PENDER DRIVE #150
FAIRFAX, VA 22030
* $ -1,000 3 $ 1,186,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 3 $ 1,056,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 3 $ 578,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ -1,000 3 $ 1,068,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 3 $ 974,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 3 $ 1,292,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 550,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ -1,000 2 $ 851,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 2 $ 724,000
Unify Financial Federal Credit Union
1899 WESTERN WAY
ALLEN, TX 75013
* $ 2,510,616,000 2 $ 180,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 825,000
Farmers & Merchants Bank
PO BOX 1111
TIMBERVILLE, VA 22853
* $ 745,061,000 2 $ 660,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 615,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ -1,000 2 $ 668,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 2 $ 1,395,000
Union Mortgage Group, Inc.
1051 EAST CARY STREET, SUITE 1200
RICHMOND, VA 23219
* $ -1,000 2 $ 569,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 2 $ 380,000
First Bank
112 W KING ST
STRASBURG, VA 22657
* $ 715,738,000 2 $ 835,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ -1,000 2 $ 508,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 2 $ 537,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 2 $ 705,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 497,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 116,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ 438,899,000 2 $ 388,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 575,000
Apex Home Loans, Inc.
3204 TOWER OAKS BLVD., SUITE 400
ROCKVILLE, MD 20852
* $ -1,000 2 $ 673,000
Virginia Federal Credit Union
PO BOX 90010
RICHMOND, VA 23225
* $ 3,303,926,000 2 $ 344,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ 7,973,918,000 2 $ 462,000
The Bank of Romney
95 E MAIN STREET
ROMNEY, WV 26757
* $ 265,635,000 2 $ 1,885,000
First Savings Mortgage Corporation
8444 WEST PARK DRIVE, THE 4TH FLOOR
MCLEAN, VA 22102
* $ -1,000 2 $ 675,000
Oak View National Bank
128 BROADVIEW AVENUE
WARRENTON, VA 20186
* $ 200,016,000 2 $ 354,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 768,000
United Bank VA

MORGANTOWN, WV 26505
* $ 9,017,236,000 2 $ 496,000
First Heritage Mortgage, LLC
11325 RANDOM HILLS RD SUITE 600
FAIRFAX, VA 22031
* $ -1,000 2 $ 250,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,982,691,000 2 $ 589,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 2 $ 482,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 2 $ 944,000
Odyssey Funding LLC
8133 LEESBURG PIKE SUITE 450
VIENNA, VA 22182
* $ -1,000 2 $ 575,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 674,000
Tower Federal Credit Union
7901 SANDY SPRING ROAD
LAUREL, MD 20707
* $ 2,925,581,000 2 $ 60,000
Busey Bank
100 W UNIVERSITY AVE
CHAMPAIGN, IL 61820
* $ 5,382,961,000 2 $ 1,167,000
Summit Community Bank, Inc
PO BOX 680; 310 NORTH MAIN STREET
MOOREFIELD, WV 26836
* $ 1,750,952,000 1 $ 122,000
Farm Credit of the Virginias, Aca
106 SANGERS LANE
STAUNTON, VA 24401
* $ -1,000 1 $ 400,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 91,146,995,000 1 $ 42,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ -1,000 1 $ 295,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 1,456,661,000 1 $ 276,000
Ussfcu
2750 EISENHOWER AVENUE
ALEXANDRIA, VA 22314
* $ 610,062,000 1 $ 70,000
Burke & Herbert Bk & Tr Co
100 S. FAIRFAX ST
ALEXANDRIA, VA 22315
* $ 2,960,435,000 1 $ 650,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ -1,000 1 $ 196,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ -1,000 1 $ 195,000
Lafayette Federal Credit Union
2701 TOWER OAKS BLVD.,
ROCKVILLE, MD 20852
* $ 489,904,000 1 $ 18,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 360,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 224,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ -1,000 1 $ 320,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 269,030,606,000 1 $ 500,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 280,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 175,715,000,000 1 $ 253,000
Union Bank & Trust
1051 EAST CARY STREET, SUITE 1200
RICHMOND, VA 23219
* $ 8,402,527,000 1 $ 576,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ 9,512,407,000 1 $ 30,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 1 $ 46,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 715,254,000 1 $ 393,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 1 $ 210,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 3,946,566,000 1 $ 82,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 561,134,000 1 $ 520,000
US Wide Financial LLC
VIBHU GROVER
ST LOUIS, MO 63146
* $ -1,000 1 $ 352,000
Signal Financial FCU
3015 UNIVERSITY BLVD., W
KENSINGTON, MD 20895
* $ 357,176,000 1 $ 115,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 568,425,000 1 $ 606,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 21,652,010,000 1 $ 515,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 150,000
Forethought Life Insurance Company
10 WEST MARKET STREET STE. 2300
INDIANAPOLIS, IN 46204
* $ -1,000 1 $ 174,000
Allegacy Federal Credit Union
P O BOX 26043
WINSTON SALEM, NC 27114
* $ 1,228,530,000 1 $ 1,648,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 197,206,045,000 1 $ 585,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 392,980,000 1 $ 23,000
The Columbia Bank
7168 COLUMBIA GATEWAY DRIVE
COLUMBIA, MD 21046
* $ 2,282,585,000 1 $ 246,000
Ovm Financial, Inc.
816 GREENBRIER CIRCLE SUITE 100
CHESAPEAKE, VA 23320
* $ -1,000 1 $ 268,000
Mass. Institute of Tech. Federal Credit Union
700 TECHNOLOGY SQUARE
CAMBRIDGE, MA 02139
* $ 520,968,000 1 $ 20,000
Citizens Bank and Trust Company
7553 NW BARRY ROAD
KANSAS CITY, MO 64153
* $ 920,030,000 1 $ 37,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 9,508,908,000 1 $ 145,000
Nasa Federal Credit Union
500 PRINCE GEORGE'S BLVD.
UPPER MARLBORO, MD 20774
* $ 2,104,611,000 1 $ 371,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ -1,000 1 $ 310,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ -1,000 1 $ 264,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 317,715,000 1 $ 293,000
Fidelity Bank
3 CORPORATE BLVD NE
ATLANTA, GA 30329
* $ 4,384,678,000 1 $ 311,000
Ocwen Loan Servicing, LLC
1661 WORTHINGTION ROAD SUITE 100
WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 293,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 475,515,000 1 $ 326,000
Nymeo Federal Credit Union
5210 CHAIRMANS COURT
FREDERICK, MD 21703
* $ 258,194,000 1 $ 175,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,862,672,000 1 $ 636,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ 10,000,000 1 $ 405,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,207,688,000 1 $ 25,000
Millennium Financial Group, Inc.
8803 BALTIMORE NATIONAL PIKE
MIDDLETOWN, MD 21769
* $ -1,000 1 $ 365,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 1 $ 199,000

The tables below break down 2017 mortgage applications in Clarke 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 Clarke County, VA in 2017

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 375 $116,144,000 $309,000 $1,680,000 $107,000 $740,000
Refinancing 344 $104,597,000 $304,000 $2,000,000 $109,000 $1,035,000
Home Improvement 76 $7,084,000 $93,000 $540,000 $127,000 $398,000

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 558 $158,905,000 $284,000 $2,000,000 $119,000 $1,035,000
Not Provided 93 $27,698,000 $297,000 $1,167,000 $136,000 $740,000
Not applicable 75 $21,833,000 $291,000 $576,000 $23,000 $250,000
Hispanic 30 $7,637,000 $254,000 $452,000 $76,000 $160,000
Black or African American 24 $7,839,000 $326,000 $1,648,000 $114,000 $832,000
Asian 9 $2,499,000 $277,000 $406,000 $100,000 $151,000
American Indian or Alaskan Native 5 $1,061,000 $212,000 $343,000 $76,000 $103,000
Native Hawaiian or Other Pacific Islander 1 $353,000 $353,000 $353,000 $126,000 $126,000

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) 535 $145,053,000 $271,000 $2,000,000 $124,000 $1,035,000
FHA-insured (Federal Housing Administration) 142 $41,284,000 $290,000 $548,000 $70,000 $248,000
VA-guaranteed (Veterans Administration) 91 $35,716,000 $392,000 $1,183,000 $106,000 $324,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 27 $5,772,000 $213,000 $301,000 $44,000 $87,000

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 446 $126,814,000 $284,000 $1,680,000 $124,000 $1,035,000
Loan Purchased By The Institution 116 $34,866,000 $300,000 $613,000 $60,000 $289,000
Application Denied By Financial Institution 93 $23,469,000 $252,000 $1,647,000 $108,000 $700,000
Application Withdrawn By Applicant 82 $24,278,000 $296,000 $1,183,000 $111,000 $450,000
File Closed For Incompleteness 36 $12,018,000 $333,000 $2,000,000 $101,000 $607,000
Application Approved But Not Accepted 22 $6,380,000 $290,000 $517,000 $105,000 $362,000
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
Credit History 20 $3,882,000 $194,000 $554,000 $94,000 $260,000
Collateral 18 $5,864,000 $325,000 $1,647,000 $147,000 $700,000
Debt-To-Income Ratio 12 $3,506,000 $292,000 $750,000 $86,000 $238,000
Credit Application Incomplete 9 $1,327,000 $147,000 $301,000 $205,000 $395,000
Other 8 $1,780,000 $222,000 $500,000 $96,000 $324,000
Employment History 2 $351,000 $175,000 $265,000 $35,000 $47,000
Insufficient Cash (Downpayment, Closing Cost) 2 $486,000 $243,000 $313,000 $100,000 $151,000
Unverifiable Information 1 $144,000 $144,000 $144,000 $40,000 $40,000
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.

Download the Virginia Lender List