Emporia City, VA Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 385 mortgage applications in Emporia City, VA totaling $32.9 million, up 13% from 2004. The average application was for $85,000, and applicants reported an average income of $44,000. 34% of applications resulted in an originated loan and 35% were denied. The most active lender was Branch Banking and Trust Co, with 21 applications, followed by Hfc Company LLC and Nationstar Mortgage.
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 | 385 |
| Total Mortgage Loan Application Amount | $32,897,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $44,000 |
| Highest Applicant Income | $355,000 |
Top Mortgage Lenders in Emporia City, VA (2005)
Ranked by the number of mortgage applications each lender reported in Emporia City, VA in 2005.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Branch Banking and Trust Co Wilson, NC |
21 | $2,276,000 | $108,000 | $53,000 |
| 2 | Hfc Company LLC Elmhurst, IL |
21 | $1,913,000 | $91,000 | $65,000 |
| 3 | Nationstar Mortgage Coppell, TX |
19 | $1,777,000 | $93,000 | $47,000 |
| 4 | First Community Bank, N. A. Bluefield, VA |
18 | $810,000 | $45,000 | $59,000 |
| 5 | Oak Street Mortgage Carmel, IN |
15 | $1,303,000 | $86,000 | $41,000 |
| 6 | Beneficial Company LLC Mettawa, IL |
14 | $972,000 | $69,000 | $47,000 |
| 7 | Delta Funding Corporation Woodbury, NY |
13 | $1,143,000 | $87,000 | $35,000 |
| 8 | Vanderbilt Mortgage Maryville, TN |
12 | $746,000 | $62,000 | $62,000 |
| 9 | Countrywide Home Loans Westlake Village, CA |
11 | $768,000 | $69,000 | $45,000 |
| 10 | Gmac Mortgage LLC Ft. Washington, PA |
9 | $672,000 | $74,000 | $48,000 |
The tables below break down 2005 mortgage applications in Emporia 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 Emporia 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 | 254 | $22,948,000 | $90,000 | $800,000 | $41,000 | $355,000 |
| Home Purchase | 100 | $8,925,000 | $89,000 | $233,000 | $52,000 | $277,000 |
| Home Improvement | 31 | $1,024,000 | $33,000 | $112,000 | $35,000 | $163,000 |
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 |
|---|---|---|---|---|---|---|
| Black or African American | 167 | $12,639,000 | $75,000 | $800,000 | $42,000 | $277,000 |
| White | 131 | $11,980,000 | $91,000 | $525,000 | $55,000 | $355,000 |
| Not Provided | 65 | $5,918,000 | $91,000 | $233,000 | $41,000 | $225,000 |
| Not applicable | 22 | $2,360,000 | $107,000 | $500,000 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 356 | $30,076,000 | $84,000 | $800,000 | $45,000 | $355,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,434,000 | $110,000 | $191,000 | $33,000 | $76,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,005,000 | $83,000 | $125,000 | $25,000 | $64,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $382,000 | $95,000 | $112,000 | $30,000 | $33,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 133 | $10,840,000 | $81,000 | $800,000 | $42,000 | $277,000 |
| Loan Originated | 129 | $10,748,000 | $83,000 | $300,000 | $53,000 | $355,000 |
| Application Withdrawn By Applicant | 53 | $4,551,000 | $85,000 | $209,000 | $46,000 | $144,000 |
| Loan Purchased By The Institution | 41 | $4,219,000 | $102,000 | $500,000 | $23,000 | $175,000 |
| Application Approved But Not Accepted | 21 | $1,864,000 | $88,000 | $191,000 | $41,000 | $107,000 |
| File Closed For Incompleteness | 7 | $545,000 | $77,000 | $175,000 | $41,000 | $70,000 |
| 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 | 36 | $2,809,000 | $78,000 | $209,000 | $38,000 | $105,000 |
| Debt-To-Income Ratio | 14 | $1,087,000 | $77,000 | $233,000 | $32,000 | $75,000 |
| Collateral | 12 | $839,000 | $69,000 | $132,000 | $34,000 | $73,000 |
| Credit Application Incomplete | 12 | $822,000 | $68,000 | $119,000 | $42,000 | $84,000 |
| Other | 10 | $911,000 | $91,000 | $209,000 | $70,000 | $277,000 |
| Unverifiable Information | 1 | $129,000 | $129,000 | $129,000 | $54,000 | $54,000 |
| Employment History | 1 | $93,000 | $93,000 | $93,000 | $50,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About