Highland County, VA Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 53 mortgage applications in Highland County, VA totaling $11.9 million, down 27% from 2024. The average application was for $225,000, and applicants reported an average income of $138,000. 49% of applications resulted in an originated loan and 19% were denied. The most active lender was Burke & Herbert Bk & Tr Co, with 5 applications, followed by Vellum Mortgage, Inc. and Farm Credit of the Virginias, Aca.
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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 | 53 |
| Total Mortgage Loan Application Amount | $11,925,000 |
| Average Mortgage Loan Application Amount | $225,000 |
| Highest Mortgage Loan Application Amount | $1,165,000 |
| Average Applicant Income | $138,000 |
| Highest Applicant Income | $1,362,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Burke & Herbert Bk & Tr Co 100 S. FAIRFAX ST ALEXANDRIA, VA 22315 |
* | $ n/a | 5 | $ 585,000 |
| Vellum Mortgage, Inc. 12700 FAIR LAKES CIR SUITE 400 FAIRFAX, VA 22033 |
* | $ n/a | 4 | $ 1,200,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ n/a | 4 | $ 930,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 4 | $ 480,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 3 | $ 385,000 |
| Primis Bank 10900 NUCKOLS ROAD SUITE 325 GLEN ALLEN GLEN ALLEN, VA 23060 |
* | $ n/a | 3 | $ 615,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 175,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 2 | $ 920,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 2 | $ 330,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 305,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 205,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 35,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 1 | $ 105,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ n/a | 1 | $ 285,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 265,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 1 | $ 175,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ n/a | 1 | $ 105,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 1 | $ 235,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 435,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 165,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 125,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ n/a | 1 | $ 1,165,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 65,000 |
| Farmers & Merchants Bank PO BOX 1111 TIMBERVILLE, VA 22853 |
* | $ n/a | 1 | $ 255,000 |
| Langley Federal Credit Union 721 LAKEFRONT COMMONS, SUITE 102 NEWPORT NEWS, VA 23606 |
* | $ n/a | 1 | $ 295,000 |
The tables below break down 2025 mortgage applications in Highland 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 Highland County, VA in 2025
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 | 30 | $8,140,000 | $271,000 | $1,165,000 | $181,000 | $1,362,000 |
| Cash-out Refinancing | 7 | $1,435,000 | $205,000 | $375,000 | $77,000 | $156,000 |
| Home Improvement | 6 | $1,030,000 | $171,000 | $205,000 | $64,000 | $100,000 |
| Refinancing | 6 | $1,010,000 | $168,000 | $305,000 | $110,000 | $209,000 |
| Other Purpose | 4 | $310,000 | $77,000 | $105,000 | $79,000 | $115,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 45 | $10,455,000 | $232,000 | $1,165,000 | $146,000 | $1,362,000 |
| Not Provided | 4 | $630,000 | $157,000 | $305,000 | $42,000 | $52,000 |
| Not applicable | 3 | $755,000 | $251,000 | $435,000 | $0 | $0 |
| Black or African American | 1 | $85,000 | $85,000 | $85,000 | $52,000 | $52,000 |
| 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) | 42 | $7,820,000 | $186,000 | $495,000 | $135,000 | $1,362,000 |
| FHA-insured (Federal Housing Administration) | 6 | $1,410,000 | $235,000 | $375,000 | $91,000 | $153,000 |
| VA-guaranteed (Veterans Administration) | 5 | $2,695,000 | $539,000 | $1,165,000 | $217,000 | $278,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 26 | $5,970,000 | $229,000 | $495,000 | $167,000 | $1,362,000 |
| Application Denied By Financial Institution | 10 | $1,480,000 | $148,000 | $375,000 | $87,000 | $209,000 |
| Application Withdrawn By Applicant | 6 | $1,040,000 | $173,000 | $305,000 | $140,000 | $217,000 |
| Loan Purchased By The Institution | 5 | $1,185,000 | $237,000 | $435,000 | $84,000 | $89,000 |
| File Closed For Incompleteness | 3 | $425,000 | $141,000 | $285,000 | $41,000 | $60,000 |
| Application Approved But Not Accepted | 3 | $1,825,000 | $608,000 | $1,165,000 | $192,000 | $278,000 |
| 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 | 42 | $10,240,000 | $243,000 | $1,165,000 | $154,000 | $1,362,000 |
| Debt-To-Income Ratio | 4 | $720,000 | $180,000 | $205,000 | $57,000 | $100,000 |
| Unverifiable Information | 3 | $325,000 | $108,000 | $235,000 | $64,000 | $89,000 |
| Employment History | 1 | $85,000 | $85,000 | $85,000 | $156,000 | $156,000 |
| Other | 1 | $85,000 | $85,000 | $85,000 | $25,000 | $25,000 |
| Collateral | 1 | $375,000 | $375,000 | $375,000 | $115,000 | $115,000 |
| Credit Application Incomplete | 1 | $95,000 | $95,000 | $95,000 | $209,000 | $209,000 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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.
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