King William County, VA Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 1,121 mortgage applications in King William County, VA totaling $187.7 million, up 19% from 2015. The average application was for $167,000, and applicants reported an average income of $55,000. 50% of applications resulted in an originated loan and 14% were denied. The most active lender was Wells Fargo Bank NA, with 94 applications, followed by George Mason Mortgage LLC and PennyMac Loan Services LLC.

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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 1,121
Total Mortgage Loan Application Amount $187,732,000
Average Mortgage Loan Application Amount $167,000
Highest Mortgage Loan Application Amount $734,000
Average Applicant Income $55,000
Highest Applicant Income $813,000

Mortgage Company List for Lending in King William County, VA for 2016

* 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
* $ 1,610,580,000,000 94 $ 16,688,000
George Mason Mortgage LLC
4100 MONUMENT CORNER DRIVE #100
FAIRFAX, VA 22030
* $ 630,414,000 63 $ 10,241,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 53 $ 9,956,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ 6,296,584,000 42 $ 7,386,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 41 $ 7,275,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 38 $ 6,330,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 35 $ 6,037,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ 10,000,000 31 $ 5,442,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 186,710,993,000 30 $ 4,705,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ 189,567,000 30 $ 5,179,000
Virginia Federal Credit Union
PO BOX 90010
RICHMOND, VA 23225
* $ 2,920,249,000 28 $ 3,264,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 205,125,538,000 26 $ 4,000,000
Baylands Federal Credit Union
P O BOX 392, 2004 MAIN STREET
WEST POINT, VA 23181
* $ 71,394,000 25 $ 3,105,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 20 $ 3,271,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 186,710,993,000 15 $ 175,000
Village Bank Mortgage
13305 MIDLOTHIAN TURNPIKE
MIDLOTHIAN, VA 23113
* $ 300,960,000 15 $ 1,832,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 14 $ 1,418,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 13 $ 1,239,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 12 $ 2,252,000
Fulton Bank, National Association
ONE PENN SQUARE
LANCASTER, PA 17602
* $ 9,847,293,000 11 $ 1,514,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 11 $ 2,685,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 10 $ 1,924,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,639,305,000,000 10 $ 1,561,000
Union Mortgage Group, Inc.
1051 EAST CARY STREET, SUITE 1200
RICHMOND, VA 23219
* $ 7,672,005,000 10 $ 2,168,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 10 $ 1,878,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ 10,000,000 9 $ 1,646,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 9 $ 1,669,000
Citizens and Farmers Bank
415 14TH STREET
WEST POINT, VA 23181
* $ 1,400,857,000 9 $ 1,044,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 9 $ 1,383,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 9 $ 1,599,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,764,654,000 9 $ 1,264,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 417,458,234,000 9 $ 2,077,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 9 $ 1,682,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ 10,000,000 9 $ 1,790,000
Southern Trust Mortgage, LLC
4433 CORPORATION LANE SUITE 300
VIRGINIA BEACH, VA 23462
* $ 41,745,000 9 $ 1,759,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 8 $ 1,541,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 8 $ 986,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 348,291,098,000 8 $ 914,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 8 $ 1,517,000
Virginia Commonwealth Bank
1801 BAYBERRY COURT, SUITE 101
RICHMOND, VA 23226
* $ 449,709,000 7 $ 1,146,000
Towne Mortgage
3 COMMERCIAL PLACE STE 1440
NORFOLK, VA 23510
* $ 54,000,000 7 $ 1,181,000
Lennar Mortgage, LLC
5505 WATERFORD DISTRICT DRIVE SUITE 505
MIAMI, FL 33126
* $ 31,000,000 7 $ 989,000
Essex Bank
9954 MAYLAND DRIVE SUITE 2100
RICHMOND, VA 23233
* $ 1,180,040,000 7 $ 1,086,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 5 $ 818,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 5 $ 1,121,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 5 $ 800,000
Union Bank & Trust
1051 EAST CARY STREET, SUITE 1200
RICHMOND, VA 23219
* $ 7,672,005,000 5 $ 534,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 5 $ 1,159,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 5 $ 951,000
First Heritage Mortgage, LLC
11325 RANDOM HILLS RD SUITE 600
FAIRFAX, VA 22031
* $ 2,157,000 5 $ 693,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ 8,226,000 4 $ 831,000
Tidewater Home Funding, LLC
1108 EDEN WAY
CHESAPEAKE, VA 23320
* $ 10,000,000 4 $ 1,016,000
American Nationwide Mortgage Company, Inc.
3820 NORTHDALE BLVD STE 111A
TAMPA, FL 33624
* $ 1,847,619,000 4 $ 533,000
Tidewater Mortgage Services, Inc
200 GOLDEN OAK COURT STE. 100
VIRGINIA BEACH, VA 26452
* $ 100,000,000 4 $ 1,000,000
Colonial Farm Credit Aca
7104 MECHANICSVILLE TURNPIKE
MECHANICSVILLE, VA 23111
* $ 10,000,000 4 $ 1,160,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ 89,030,433,000 4 $ 1,005,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,709,556,000 4 $ 396,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 961,290,000 4 $ 599,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 122,099,687,000 4 $ 536,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 4 $ 935,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 4 $ 772,000
Fidelity Bank
3 CORPORATE BLVD NE
ATLANTA, GA 30329
* $ 3,845,946,000 3 $ 548,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 3 $ 723,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 3 $ 495,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ 10,000,000 3 $ 607,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 3 $ 734,000
Evb
PO BOX 1455
TAPPAHANNOCK, VA 22560
* $ 1,269,770,000 3 $ 1,189,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 3 $ 532,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 3 $ 934,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ 710,000 3 $ 569,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 3 $ 861,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,299,801,000,000 3 $ 264,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,649,486,000 3 $ 468,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 15,536,515,000 3 $ 793,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ 563,777,000 3 $ 441,000
1st Advantage Federal Credit U
110 CYBERNETICS WAY
YORKTOWN, VA 23693
* $ 623,683,000 3 $ 503,000
Johnson Mortgage Company, L.L.C.
739 THIMBLE SHOALS BLVD. SUITE 507
NEWPORT NEWS, VA 23606
* $ 11,000,000 3 $ 690,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 504,343,000 3 $ 346,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 2 $ 779,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 451,930,000 2 $ 330,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 2 $ 138,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ 10,000,000 2 $ 253,000
Cityworth Mortgage LLC
11781 LEE JACKSON HIGHWAY
FAIRFAX, VA 22033
* $ 1,400,000,000 2 $ 357,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ 10,000,000 2 $ 316,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 2 $ 313,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 2 $ 270,000
Dominion Energy Credit Union
PO BOX 26646
RICHMOND, VA 23225
* $ 266,282,000 2 $ 135,000
Gateway Bank Mortgage, Inc.
901 E CAREY STREET, SUITE 1700
RICHMOND, VA 23219
* $ 2,072,742,000 2 $ 126,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 26,594,410,000 2 $ 506,000
Langley Federal Credit Union
721 LAKEFRONT COMMONS, SUITE 102
NEWPORT NEWS, VA 23606
* $ 2,113,710,000 2 $ 262,000
Argent Federal Credit Union
11651 ALLIANCE CIRCLE
CHESTER, VA 23831
* $ 214,987,000 2 $ 276,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 11,567,246,000 2 $ 132,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 2 $ 444,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 2 $ 380,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 2 $ 573,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 2 $ 480,000
Ovm Financial, Inc.
816 GREENBRIER CIRCLE SUITE 100
CHESAPEAKE, VA 23320
* $ 10,000,000 2 $ 405,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 2 $ 111,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ 10,000,000 2 $ 452,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 2 $ 271,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 2 $ 441,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 344,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 2 $ 353,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 273,231,606,000 2 $ 284,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 2 $ 483,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ 4,441,234,000 2 $ 252,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 2 $ 405,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 1 $ 145,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ 10,000,000 1 $ 151,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ 39,000,000 1 $ 128,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 85,747,508,000 1 $ 80,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 222,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 180,082,000 1 $ 115,000
Carolina Bank
PO BOX 10209
GREENSBORO, NC 27404
* $ 700,650,000 1 $ 168,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ 608,779,509,000 1 $ 181,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 106,000
Peoples Community Bank
PO BOX 306
MONTROSS, VA 22520
* $ 161,155,000 1 $ 172,000
Mason-Mcduffie Mortgage Corporation
2010 CROW CANYON PLACE, #400
SAN RAMON, CA 94583
* $ 1,300,000 1 $ 144,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 106,000
Integrity First Financial Group, Inc.
6333 GREENWICH DRIVE SUITE 280
SAN DIEGO, CA 92122
* $ 26,494,000 1 $ 172,000
Homespire Mortgage Corporation

FAIRFAX, VA 22031
* $ 21,557,000 1 $ 270,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ 10,000,000 1 $ 152,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 1 $ 190,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 162,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 1 $ 126,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ 1,603,436,000 1 $ 221,000
Newtowne Mortgage, LLC
600 22ND STREET SUITE 301
SUFFOLK, VA 23451
* $ 4,044,874,000 1 $ 141,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 1 $ 208,000
Virginia Commonwealth Bank
P O BOX 1777
PETERSBURG, VA 23805
* $ 325,783,000 1 $ 40,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 1 $ 173,000
First Alliance Home Mortgage, LLC
20 JACKSON DRIVE 2ND FLOOR
CRANFORD, NJ 07016
* $ 8,126,363,000 1 $ 234,000
Primary Capital
1000 PARKWOOD CIRCLE, SUITE 600
ATLANTA, GA 30339
* $ 10,000,000 1 $ 244,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 31,272,894,000 1 $ 266,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ 1,552,519,000 1 $ 228,000
Yadkin Bank
325 EAST FRONT STREET
STATESVILLE, NC 28677
* $ 4,470,257,000 1 $ 340,000
New York Community Bank
615 MERRICK AVENUE
WESTBURY, NY 11590
* $ 46,472,436,000 1 $ 172,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 108,064,717,000 1 $ 1,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 2,358,315,000 1 $ 131,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,580,860,000 1 $ 207,000
Integrity Home Mortgage Corporation
122 PILOT CIRCLE
WINCHESTER, VA 22602
* $ 1,000,000,000 1 $ 147,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 1 $ 193,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 231,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 1 $ 227,000
Lenderlive Network, LLC
710 S ASH
GLENDALE, CO 80246
* $ 17,900,000 1 $ 60,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 136,000
Midland Mortgage Corporation
1500 RICHLAND STREET
COLUMBIA, SC 29201
* $ 10,000,000 1 $ 246,000
Chesapeake Bank
35 SCHOOL STREET, PO BOX 2256
KILMARNOCK, VA 22482
* $ 674,375,000 1 $ 221,000
United Bank VA

MORGANTOWN, WV 26505
* $ 7,418,514,000 1 $ 220,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 459,125,000 1 $ 62,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ 10,000,000 1 $ 110,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 115,000

The tables below break down 2016 mortgage applications in King William 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 King William County, VA in 2016

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 580 $103,715,000 $178,000 $495,000 $53,000 $338,000
Refinancing 486 $81,732,000 $168,000 $734,000 $56,000 $813,000
Home Improvement 55 $2,285,000 $41,000 $246,000 $74,000 $343,000

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 712 $120,525,000 $169,000 $734,000 $67,000 $813,000
Not applicable 157 $27,583,000 $175,000 $494,000 $3,000 $153,000
Not Provided 136 $23,190,000 $170,000 $405,000 $54,000 $207,000
Black or African American 80 $10,824,000 $135,000 $464,000 $55,000 $343,000
Hispanic 18 $2,915,000 $161,000 $270,000 $65,000 $135,000
American Indian or Alaskan Native 15 $2,192,000 $146,000 $264,000 $45,000 $92,000
Asian 2 $393,000 $196,000 $199,000 $51,000 $102,000
Native Hawaiin or Other Pacific Islander 1 $110,000 $110,000 $110,000 $23,000 $23,000

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) 555 $80,911,000 $145,000 $734,000 $70,000 $813,000
FHA-insured (Federal Housing Administration) 344 $61,661,000 $179,000 $464,000 $40,000 $184,000
VA-guaranteed (Veterans Administration) 133 $29,684,000 $223,000 $409,000 $48,000 $336,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 89 $15,476,000 $173,000 $285,000 $36,000 $78,000

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 566 $94,100,000 $166,000 $495,000 $64,000 $340,000
Loan Purchased By The Institution 222 $40,803,000 $183,000 $734,000 $26,000 $813,000
Application Denied By Financial Institution 158 $22,636,000 $143,000 $340,000 $61,000 $343,000
Application Withdrawn By Applicant 99 $17,372,000 $175,000 $405,000 $59,000 $336,000
File Closed For Incompleteness 42 $6,853,000 $163,000 $409,000 $55,000 $317,000
Application Approved But Not Accepted 34 $5,968,000 $175,000 $485,000 $70,000 $234,000
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 37 $3,845,000 $103,000 $320,000 $57,000 $140,000
Collateral 20 $3,825,000 $191,000 $327,000 $81,000 $127,000
Debt-To-Income Ratio 15 $1,893,000 $126,000 $263,000 $57,000 $120,000
Credit Application Incomplete 13 $1,716,000 $132,000 $227,000 $77,000 $343,000
Other 10 $1,185,000 $118,000 $287,000 $66,000 $121,000
Unverifiable Information 3 $668,000 $222,000 $340,000 $88,000 $153,000
Insufficient Cash (Downpayment, Closing Cost) 3 $362,000 $120,000 $149,000 $60,000 $103,000
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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