Halifax County, VA Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 864 mortgage applications in Halifax County, VA totaling $133.2 million, down 1% from 2023. The average application was for $154,000, and applicants reported an average income of $85,000. 50% of applications resulted in an originated loan and 20% were denied. The most active lender was Benchmark Community Bank, with 98 applications, followed by Vanderbilt Mortgage and Finance, Inc and PennyMac Loan Services LLC.
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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 | 864 |
| Total Mortgage Loan Application Amount | $133,170,000 |
| Average Mortgage Loan Application Amount | $154,000 |
| Highest Mortgage Loan Application Amount | $815,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $490,000 |
* 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 |
|---|---|---|---|---|
| Benchmark Community Bank P O BOX 569 KENBRIDGE, VA 23944 |
* | $ n/a | 98 | $ 10,880,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 48 | $ 6,160,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 34 | $ 6,510,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 32 | $ 3,460,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ n/a | 29 | $ 5,145,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ n/a | 24 | $ 2,920,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 24 | $ 4,980,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 22 | $ 4,920,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 16 | $ 3,590,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 16 | $ 4,220,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 15 | $ 3,415,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 14 | $ 830,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 14 | $ 1,790,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ n/a | 14 | $ 1,920,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 13 | $ 455,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 13 | $ 1,825,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 12 | $ 2,080,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 11 | $ 2,185,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 11 | $ 765,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 11 | $ 1,765,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 10 | $ 1,180,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 10 | $ 2,570,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ n/a | 10 | $ 1,330,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ n/a | 9 | $ 1,335,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 9 | $ 2,015,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 9 | $ 655,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ n/a | 8 | $ 950,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 8 | $ 1,260,000 |
| Tidewater Home Funding, LLC 1108 EDEN WAY CHESAPEAKE, VA 23320 |
* | $ n/a | 7 | $ 1,805,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 7 | $ 395,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 7 | $ 1,285,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 6 | $ 1,240,000 |
| Carter Bank and Trust PO BOX 3748 MARTINSVILLE, VA 24112 |
* | $ n/a | 6 | $ 1,250,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 6 | $ 700,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ n/a | 6 | $ 490,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ n/a | 6 | $ 720,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 6 | $ 1,320,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 5 | $ 825,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ n/a | 5 | $ 1,145,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ n/a | 4 | $ 530,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 4 | $ 960,000 |
| Beacon Credit Union 6320 LOGANS LN LYNCHBURG, VA 24502 |
* | $ n/a | 4 | $ 480,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 4 | $ 570,000 |
| First Bank and Trust Company PO BOX 1000 ABINGDON, VA 24212 |
* | $ n/a | 4 | $ 940,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ n/a | 4 | $ 370,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 4 | $ 1,080,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 3 | $ 595,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 3 | $ 255,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 3 | $ 265,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ n/a | 3 | $ 705,000 |
| The Bank of Charlotte County 101 BERKLEY STREET PHENIX, VA 23959 |
* | $ n/a | 3 | $ 205,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 3 | $ 705,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ n/a | 3 | $ 555,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 3 | $ 605,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ n/a | 3 | $ 225,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ n/a | 3 | $ 355,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 3 | $ 565,000 |
| Atlantic Coast Mortgage, LLC 4100 MONUMENT CORNER DRIVE, SUITE 300 FAIRFAX, VA 22030 |
* | $ n/a | 3 | $ 395,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 2 | $ 500,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ n/a | 2 | $ 390,000 |
| Village Bank Mortgage 13305 MIDLOTHIAN TURNPIKE MIDLOTHIAN, VA 23113 |
* | $ n/a | 2 | $ 180,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 2 | $ 80,000 |
| Strategic Funding, LP 1149 VISTA PARK DR STE D FOREST, VA 24574 |
* | $ n/a | 2 | $ 220,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ n/a | 2 | $ 110,000 |
| Valleystar Credit Union 41 WHEELER AVE MARTINSVILLE, VA 24115 |
* | $ n/a | 2 | $ 70,000 |
| Integrity Home Mortgage Corporation 122 PILOT CIRCLE WINCHESTER, VA 22602 |
* | $ n/a | 2 | $ 600,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 2 | $ 350,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ n/a | 2 | $ 150,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 300,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ n/a | 2 | $ 370,000 |
| Beeline Loans, Inc. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ n/a | 2 | $ 170,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 2 | $ 680,000 |
| Bayport Credit Union 2107 HARTFORD RD, SUITE B NEWPORT NEWS, VA 23606 |
* | $ n/a | 2 | $ 750,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 2 | $ 300,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 2 | $ 310,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 2 | $ 160,000 |
| Member One Federal Credit Union P.O. BOX 12288 ROANOKE, VA 24024 |
* | $ n/a | 2 | $ 50,000 |
| Everence Federal Credit Union 2160 LINCOLN HWY E, STE 20 LANCASTER, PA 17602 |
* | $ n/a | 2 | $ 110,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 2 | $ 470,000 |
| First Savings Mortgage Corporation 8444 WEST PARK DRIVE, THE 4TH FLOOR MCLEAN, VA 22102 |
* | $ n/a | 2 | $ 340,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 2 | $ 200,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 180,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 2 | $ 290,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ n/a | 2 | $ 150,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 2 | $ 540,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 2 | $ 220,000 |
| Keystone Funding, Inc 519 S RED HAVEN LN DOVER, DE 19901 |
* | $ n/a | 2 | $ 340,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ n/a | 2 | $ 260,000 |
| Farmers & Merchants Bank PO BOX 1111 TIMBERVILLE, VA 22853 |
* | $ n/a | 2 | $ 280,000 |
| Fay Servicing LLC TAMPA, FL 33609 |
* | $ n/a | 1 | $ 65,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 85,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ n/a | 1 | $ 165,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 175,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 95,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ n/a | 1 | $ 95,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ n/a | 1 | $ 305,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 1 | $ 145,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 1 | $ 135,000 |
| Presidential Bank, FSB 4600 EAST WEST HIGHWAY, SUITE 400 BETHESDA, MD 20814 |
* | $ n/a | 1 | $ 145,000 |
| Aaa Capital Investment, Inc 41 E LIVE OAK AVE ARCADIA, CA 91006 |
* | $ n/a | 1 | $ 455,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 315,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 125,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ n/a | 1 | $ 85,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 1 | $ 185,000 |
| First Reliance Bank 2170 W PALMETTO ST FLORENCE, SC 29501 |
* | $ n/a | 1 | $ 205,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 65,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 195,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 155,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 75,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 1 | $ 115,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ n/a | 1 | $ 325,000 |
| Dominion Capital Mortgage, Inc. 3900 WESTERRE PARKWAY SUITE 100 RICHMOND, VA 23233 |
* | $ n/a | 1 | $ 165,000 |
| Filo Mortgage, LLC 555 E NORTH LN #6125 WEST CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 75,000 |
| First National Bank P. O. BOX 29, 622 BROAD STREET ALTAVISTA, VA 24517 |
* | $ n/a | 1 | $ 5,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ n/a | 1 | $ 125,000 |
| Langley Federal Credit Union 721 LAKEFRONT COMMONS, SUITE 102 NEWPORT NEWS, VA 23606 |
* | $ n/a | 1 | $ 15,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 155,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 65,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 135,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ n/a | 1 | $ 35,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 1 | $ 85,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 315,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 105,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 355,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ n/a | 1 | $ 225,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 155,000 |
| Lafayette Federal Credit Union 2701 TOWER OAKS BLVD., ROCKVILLE, MD 20852 |
* | $ n/a | 1 | $ 25,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 95,000 |
| First Bank 112 W KING ST STRASBURG, VA 22657 |
* | $ n/a | 1 | $ 45,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 555,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 295,000 |
| Sharonview Federal CU 1081 RED VENTURES DR. INDIAN LAND, SC 29707 |
* | $ n/a | 1 | $ 25,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 405,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 1 | $ 85,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 1 | $ 275,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 195,000 |
| Hughes Federal Credit Union 971 W WETMORE RD TUCSON, AZ 85705 |
* | $ n/a | 1 | $ 85,000 |
| Touchstone Bank PRINCE GEORGE, VA 23875 |
* | $ n/a | 1 | $ 395,000 |
| Cpm Federal Credit Union 1066 EAST MONTAGUE AVENUE NORTH CHARLESTON, SC 29405 |
* | $ n/a | 1 | $ 305,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ n/a | 1 | $ 95,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ n/a | 1 | $ 385,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ n/a | 1 | $ 305,000 |
The tables below break down 2024 mortgage applications in Halifax 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 Halifax County, VA in 2024
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 | 412 | $74,790,000 | $181,000 | $715,000 | $85,000 | $490,000 |
| Cash-out Refinancing | 161 | $26,575,000 | $165,000 | $755,000 | $70,000 | $210,000 |
| Refinancing | 111 | $20,155,000 | $181,000 | $815,000 | $82,000 | $352,000 |
| Home Improvement | 98 | $6,870,000 | $70,000 | $275,000 | $102,000 | $353,000 |
| Other Purpose | 76 | $4,450,000 | $58,000 | $305,000 | $94,000 | $273,000 |
| Not Applicable | 6 | $330,000 | $55,000 | $185,000 | $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 | 437 | $62,495,000 | $143,000 | $715,000 | $91,000 | $318,000 |
| Black or African American | 171 | $23,655,000 | $138,000 | $575,000 | $68,000 | $353,000 |
| Not Provided | 105 | $17,215,000 | $163,000 | $755,000 | $74,000 | $450,000 |
| Not applicable | 95 | $20,195,000 | $212,000 | $815,000 | $125,000 | $148,000 |
| Hispanic | 36 | $5,890,000 | $163,000 | $305,000 | $101,000 | $352,000 |
| Asian | 12 | $2,430,000 | $202,000 | $455,000 | $134,000 | $490,000 |
| American Indian or Alaskan Native | 8 | $1,290,000 | $161,000 | $275,000 | $76,000 | $111,000 |
| 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) | 548 | $68,900,000 | $125,000 | $815,000 | $91,000 | $490,000 |
| FHA-insured (Federal Housing Administration) | 180 | $31,710,000 | $176,000 | $435,000 | $66,000 | $190,000 |
| VA-guaranteed (Veterans Administration) | 100 | $25,620,000 | $256,000 | $755,000 | $82,000 | $182,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 36 | $6,940,000 | $192,000 | $365,000 | $64,000 | $129,000 |
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 | 429 | $69,385,000 | $161,000 | $755,000 | $92,000 | $490,000 |
| Application Denied By Financial Institution | 175 | $20,405,000 | $116,000 | $815,000 | $74,000 | $280,000 |
| Application Withdrawn By Applicant | 85 | $15,145,000 | $178,000 | $715,000 | $78,000 | $290,000 |
| Loan Purchased By The Institution | 81 | $16,685,000 | $205,000 | $445,000 | $94,000 | $148,000 |
| File Closed For Incompleteness | 54 | $7,950,000 | $147,000 | $355,000 | $81,000 | $352,000 |
| Application Approved But Not Accepted | 40 | $3,600,000 | $90,000 | $325,000 | $74,000 | $349,000 |
| 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 | 687 | $112,325,000 | $163,000 | $755,000 | $88,000 | $490,000 |
| Credit History | 69 | $6,445,000 | $93,000 | $265,000 | $77,000 | $280,000 |
| Collateral | 29 | $2,865,000 | $98,000 | $295,000 | $87,000 | $180,000 |
| Debt-To-Income Ratio | 26 | $4,420,000 | $170,000 | $815,000 | $50,000 | $120,000 |
| Credit Application Incomplete | 25 | $2,675,000 | $107,000 | $235,000 | $46,000 | $122,000 |
| Unverifiable Information | 12 | $1,970,000 | $164,000 | $305,000 | $84,000 | $174,000 |
| Other | 10 | $1,200,000 | $120,000 | $325,000 | $117,000 | $222,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,270,000 | $211,000 | $295,000 | $85,000 | $136,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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