Highland County, VA Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 74 mortgage applications in Highland County, VA totaling $9.9 million, down 6% from 2017. The average application was for $134,000, and applicants reported an average income of $98,000. 53% of applications resulted in an originated loan and 24% were denied. The most active lender was Summit Community Bank, Inc, with 28 applications, followed by Dupont Community Credit Union and Wells Fargo Bank NA.
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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 | 74 |
| Total Mortgage Loan Application Amount | $9,930,000 |
| Average Mortgage Loan Application Amount | $134,000 |
| Highest Mortgage Loan Application Amount | $625,000 |
| Average Applicant Income | $98,000 |
| Highest Applicant Income | $592,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 2,127,314,000 | 28 | $ 2,800,000 |
| Dupont Community Credit Union 140 LUCY LANE WAYNESBORO, VA 22980 |
* | $ 1,137,226,000 | 6 | $ 470,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 3 | $ 735,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ 9,291,033,000 | 3 | $ 535,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 2 | $ 40,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 470,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 200,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 310,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 2 | $ 490,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 220,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ -1,000 | 1 | $ 435,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 75,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 25,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 75,000 |
| George Mason Mortgage, LLC 4100 MONUMENT CORNER DRIVE #100 PRINCE WILLIAM, VA 22030 |
* | $ -1,000 | 1 | $ 125,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 135,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 1 | $ 75,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 75,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ -1,000 | 1 | $ 105,000 |
| Virginia Commonwealth Bank 1801 BAYBERRY COURT, SUITE 101 RICHMOND, VA 23226 |
* | $ 966,273,000 | 1 | $ 625,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 45,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 125,000 |
| Eaglebank 11931 TECH RD SILVER SPRING, MD 20904 |
* | $ 7,464,237,000 | 1 | $ 365,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 1 | $ 75,000 |
| Suncoast Credit Union 6801 E HILLSBOROUGH AVE TAMPA, FL 33610 |
* | $ 8,742,336,000 | 1 | $ 45,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 125,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 4,072,671,000 | 1 | $ 115,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 205,000 |
| Capital Bank, N.A. ONE CHURCH ST SUITE 300 ROCKVILLE, MD 20850 |
* | $ 1,016,191,000 | 1 | $ 305,000 |
The tables below break down 2018 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 2018
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 | 24 | $4,320,000 | $180,000 | $435,000 | $129,000 | $592,000 |
| Cash-out Refinancing | 15 | $2,045,000 | $136,000 | $355,000 | $63,000 | $147,000 |
| Other Purpose | 15 | $815,000 | $54,000 | $125,000 | $69,000 | $142,000 |
| Refinancing | 15 | $1,665,000 | $111,000 | $305,000 | $94,000 | $320,000 |
| Home Improvement | 5 | $1,085,000 | $217,000 | $625,000 | $163,000 | $532,000 |
| 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 | 59 | $7,305,000 | $123,000 | $625,000 | $101,000 | $592,000 |
| Not Provided | 13 | $1,985,000 | $152,000 | $245,000 | $89,000 | $320,000 |
| Not applicable | 1 | $415,000 | $415,000 | $415,000 | $0 | $0 |
| Black or African American | 1 | $225,000 | $225,000 | $225,000 | $73,000 | $73,000 |
| 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) | 65 | $8,415,000 | $129,000 | $625,000 | $102,000 | $592,000 |
| FHA-insured (Federal Housing Administration) | 4 | $510,000 | $127,000 | $205,000 | $102,000 | $186,000 |
| VA-guaranteed (Veterans Administration) | 4 | $960,000 | $240,000 | $245,000 | $52,000 | $69,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $45,000 | $45,000 | $45,000 | $30,000 | $30,000 |
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 | 39 | $5,225,000 | $133,000 | $625,000 | $109,000 | $592,000 |
| Application Denied By Financial Institution | 18 | $1,960,000 | $108,000 | $245,000 | $90,000 | $320,000 |
| Application Withdrawn By Applicant | 13 | $1,705,000 | $131,000 | $285,000 | $88,000 | $457,000 |
| Loan Purchased By The Institution | 2 | $770,000 | $385,000 | $415,000 | $75,000 | $75,000 |
| File Closed For Incompleteness | 1 | $125,000 | $125,000 | $125,000 | $58,000 | $58,000 |
| Application Approved But Not Accepted | 1 | $145,000 | $145,000 | $145,000 | $45,000 | $45,000 |
| 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 | 56 | $7,970,000 | $142,000 | $625,000 | $101,000 | $592,000 |
| Credit Application Incomplete | 6 | $570,000 | $95,000 | $175,000 | $129,000 | $320,000 |
| Collateral | 4 | $380,000 | $95,000 | $155,000 | $69,000 | $140,000 |
| Other | 3 | $505,000 | $168,000 | $205,000 | $105,000 | $186,000 |
| Debt-To-Income Ratio | 3 | $345,000 | $115,000 | $245,000 | $34,000 | $69,000 |
| Unverifiable Information | 1 | $135,000 | $135,000 | $135,000 | $42,000 | $42,000 |
| Credit History | 1 | $25,000 | $25,000 | $25,000 | $110,000 | $110,000 |
| Employment 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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