Lancaster County, VA Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 587 mortgage applications in Lancaster County, VA totaling $179.0 million, up 22% from 2023. The average application was for $305,000, and applicants reported an average income of $198,000. 50% of applications resulted in an originated loan and 14% were denied. The most active lender was Chesapeake Bank, with 45 applications, followed by NVR Mortgage Finance, Inc. and Navy Federal Credit Union.
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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 | 587 |
| Total Mortgage Loan Application Amount | $179,045,000 |
| Average Mortgage Loan Application Amount | $305,000 |
| Highest Mortgage Loan Application Amount | $2,055,000 |
| Average Applicant Income | $198,000 |
| Highest Applicant Income | $3,004,000 |
* 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 |
|---|---|---|---|---|
| Chesapeake Bank 35 SCHOOL STREET, PO BOX 2256 KILMARNOCK, VA 22482 |
* | $ n/a | 45 | $ 13,925,000 |
| NVR Mortgage Finance, Inc. PITTSBURGH, PA 15276 |
* | $ n/a | 40 | $ 10,820,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 25 | $ 5,125,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 24 | $ 7,750,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 21 | $ 3,465,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 20 | $ 3,300,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ n/a | 18 | $ 4,110,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 15 | $ 4,295,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 15 | $ 4,945,000 |
| Blue Ridge Bank P.O. BOX 609, 17 WEST MAIN ST LURAY, VA 22835 |
* | $ n/a | 12 | $ 3,460,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 11 | $ 4,395,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 10 | $ 1,060,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 10 | $ 7,180,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 9 | $ 645,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 8 | $ 2,380,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 8 | $ 1,750,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 8 | $ 2,160,000 |
| First Heritage Mortgage, LLC 11325 RANDOM HILLS RD SUITE 600 FAIRFAX, VA 22031 |
* | $ n/a | 7 | $ 1,945,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 7 | $ 2,495,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ n/a | 7 | $ 1,895,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ n/a | 7 | $ 3,075,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 6 | $ 2,320,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ n/a | 6 | $ 2,580,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ n/a | 6 | $ 1,940,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 6 | $ 2,400,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 6 | $ 270,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 6 | $ 1,030,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 6 | $ 2,470,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 5 | $ 2,335,000 |
| Freedom First Federal Credit Union 5240 VALLEYPARK DRIVE ROANOKE, VA 24019 |
* | $ n/a | 5 | $ 3,675,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 4 | $ 1,930,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 4 | $ 140,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 4 | $ 740,000 |
| Citizens and Farmers Bank 415 14TH STREET WEST POINT, VA 23181 |
* | $ n/a | 4 | $ 1,260,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 4 | $ 4,010,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ n/a | 4 | $ 2,010,000 |
| Integrity Home Mortgage Corporation 122 PILOT CIRCLE WINCHESTER, VA 22602 |
* | $ n/a | 3 | $ 1,025,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 3 | $ 685,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ n/a | 3 | $ 1,035,000 |
| Langley Federal Credit Union 721 LAKEFRONT COMMONS, SUITE 102 NEWPORT NEWS, VA 23606 |
* | $ n/a | 3 | $ 225,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 3 | $ 185,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ n/a | 3 | $ 545,000 |
| Fulton Bank, National Association ONE PENN SQUARE LANCASTER, PA 17602 |
* | $ n/a | 3 | $ 2,165,000 |
| Townebank 5716 HIGH STREET WEST PORTSMOUTH, VA 23703 |
* | $ n/a | 3 | $ 1,135,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 3 | $ 745,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ n/a | 3 | $ 1,055,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 3 | $ 915,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 3 | $ 675,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 3 | $ 875,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ n/a | 3 | $ 1,305,000 |
| Tidewater Mortgage Services, Inc 200 GOLDEN OAK COURT STE. 100 VIRGINIA BEACH, VA 26452 |
* | $ n/a | 3 | $ 715,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ n/a | 3 | $ 1,635,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 580,000 |
| First Savings Mortgage Corporation 8444 WEST PARK DRIVE, THE 4TH FLOOR MCLEAN, VA 22102 |
* | $ n/a | 2 | $ 1,150,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 440,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ n/a | 2 | $ 230,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 2 | $ 640,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ n/a | 2 | $ 1,060,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 2 | $ 300,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 2 | $ 490,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 2 | $ 960,000 |
| Tidewater Home Funding, LLC 1108 EDEN WAY CHESAPEAKE, VA 23320 |
* | $ n/a | 2 | $ 620,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 2 | $ 640,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 1,090,000 |
| Apple Federal Credit Union 4029 RIDGE TOP RD FAIRFAX, VA 22030 |
* | $ n/a | 2 | $ 260,000 |
| Intercoastal Mortgage, LLC 11911 FREEDOM DRIVE SUITE 500 RESTON, VA 20190 |
* | $ n/a | 2 | $ 980,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 2 | $ 1,200,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 2 | $ 400,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ n/a | 2 | $ 380,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 2 | $ 780,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ n/a | 2 | $ 2,990,000 |
| Topside Federal Credit Union PO BOX 519 DAHLGREN, VA 22448 |
* | $ n/a | 2 | $ 70,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 2 | $ 460,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 2 | $ 1,000,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 2 | $ 380,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 2 | $ 690,000 |
| Chartway FCU 5700 CLEVELAND STREET VIRGINIA BEACH, VA 23462 |
* | $ n/a | 2 | $ 670,000 |
| Call Federal 4605 COMMERCE ROAD RICHMOND, VA 23234 |
* | $ n/a | 2 | $ 510,000 |
| First Home Mortgage 6211 GREENLEIGH AVENUE SUITE 300 BALTIMORE, MD 21220 |
* | $ n/a | 2 | $ 680,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ n/a | 1 | $ 105,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 145,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 195,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 155,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ n/a | 1 | $ 245,000 |
| Village Bank Mortgage 13305 MIDLOTHIAN TURNPIKE MIDLOTHIAN, VA 23113 |
* | $ n/a | 1 | $ 675,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 305,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 285,000 |
| V.I.P. Mortgage, Inc. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ n/a | 1 | $ 365,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ n/a | 1 | $ 55,000 |
| Iserve Residential Lending 10920 VIA FRONTERA SUITE 520 SAN DIEGO, CA 92127 |
* | $ n/a | 1 | $ 205,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 45,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 195,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ n/a | 1 | $ 35,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ n/a | 1 | $ 1,755,000 |
| Sharonview Federal CU 1081 RED VENTURES DR. INDIAN LAND, SC 29707 |
* | $ n/a | 1 | $ 85,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ n/a | 1 | $ 695,000 |
| Mortgagecountry 725 W SKIPPACK PIKE SUITE 340A BLUE BELL, PA 19422 |
* | $ n/a | 1 | $ 725,000 |
| Atlantic Coast Mortgage, LLC 4100 MONUMENT CORNER DRIVE, SUITE 300 FAIRFAX, VA 22030 |
* | $ n/a | 1 | $ 285,000 |
| Assurance Financial Group, L.L.C. 9029 JEFFERSON HIGHWAY SUITE 100 BATON ROUGE, LA 70809 |
* | $ n/a | 1 | $ 325,000 |
| Uva Community Credit Union 3300 BERKMAR DRIVE CHARLOTTESVILLE, VA 22901 |
* | $ n/a | 1 | $ 235,000 |
| Vellum Mortgage, Inc. 12700 FAIR LAKES CIR SUITE 400 FAIRFAX, VA 22033 |
* | $ n/a | 1 | $ 55,000 |
| Bayshore Mortgage Funding 1920 GREENSPRING DRIVE, SUITE 140 TIMONIUM, MD 21093 |
* | $ n/a | 1 | $ 105,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 285,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ n/a | 1 | $ 275,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ n/a | 1 | $ 235,000 |
| Agriculture Federal Credit Union 1400 INDEPENDENCE AVE SW WASHINGTON, DC 20250 |
* | $ n/a | 1 | $ 55,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 1 | $ 155,000 |
| American Heritage Lending, LLC 19800 MACARTHUR BLVD SUITE 950 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 195,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 1 | $ 45,000 |
| First Bank 112 W KING ST STRASBURG, VA 22657 |
* | $ n/a | 1 | $ 125,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 755,000 |
| First Alliance Home Mortgage, LLC 20 JACKSON DRIVE 2ND FLOOR CRANFORD, NJ 07016 |
* | $ n/a | 1 | $ 245,000 |
| Nexera Holding LLC 2200 POWELL STREET SUITE 340 EMERYVILLE, CA 94608 |
* | $ n/a | 1 | $ 1,505,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ n/a | 1 | $ 205,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 215,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 315,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ n/a | 1 | $ 145,000 |
| Rpe Home, Inc 1312 17TH STREET SUITE 71618 DENVER, CO 80202 |
* | $ n/a | 1 | $ 465,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ n/a | 1 | $ 695,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 745,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 405,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 385,000 |
| Filo Mortgage, LLC 555 E NORTH LN #6125 WEST CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 135,000 |
| 1st Advantage Federal Credit U 110 CYBERNETICS WAY YORKTOWN, VA 23693 |
* | $ n/a | 1 | $ 95,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 1,275,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 135,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 495,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 275,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 415,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 505,000 |
| Towne Mortgage 3 COMMERCIAL PLACE STE 1440 NORFOLK, VA 23510 |
* | $ n/a | 1 | $ 225,000 |
| Towne First Mortgage, LLC 4501 COX RD #301 GLEN ALLEN, VA 23060 |
* | $ n/a | 1 | $ 295,000 |
| Presidential Bank, FSB 4600 EAST WEST HIGHWAY, SUITE 400 BETHESDA, MD 20814 |
* | $ n/a | 1 | $ 535,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 85,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ n/a | 1 | $ 345,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 495,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ n/a | 1 | $ 75,000 |
| Primis Bank 10900 NUCKOLS ROAD SUITE 325 GLEN ALLEN GLEN ALLEN, VA 23060 |
* | $ n/a | 1 | $ 25,000 |
The tables below break down 2024 mortgage applications in Lancaster 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 Lancaster 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 | 355 | $127,495,000 | $359,000 | $2,055,000 | $235,000 | $3,004,000 |
| Cash-out Refinancing | 91 | $23,545,000 | $258,000 | $1,095,000 | $111,000 | $492,000 |
| Refinancing | 53 | $15,115,000 | $285,000 | $1,495,000 | $130,000 | $767,000 |
| Other Purpose | 49 | $7,485,000 | $152,000 | $1,965,000 | $166,000 | $1,261,000 |
| Home Improvement | 38 | $5,160,000 | $135,000 | $505,000 | $202,000 | $1,246,000 |
| Not Applicable | 1 | $245,000 | $245,000 | $245,000 | $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 | 331 | $110,995,000 | $335,000 | $2,055,000 | $233,000 | $3,004,000 |
| Not Provided | 90 | $22,350,000 | $248,000 | $1,495,000 | $145,000 | $767,000 |
| Not applicable | 79 | $26,475,000 | $335,000 | $1,195,000 | $393,000 | $603,000 |
| Black or African American | 62 | $11,650,000 | $187,000 | $605,000 | $94,000 | $447,000 |
| Hispanic | 11 | $4,895,000 | $445,000 | $1,765,000 | $225,000 | $725,000 |
| Asian | 9 | $1,985,000 | $220,000 | $385,000 | $87,000 | $305,000 |
| American Indian or Alaskan Native | 5 | $695,000 | $139,000 | $245,000 | $100,000 | $179,000 |
| 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) | 443 | $138,605,000 | $312,000 | $2,055,000 | $226,000 | $3,004,000 |
| FHA-insured (Federal Housing Administration) | 76 | $18,760,000 | $246,000 | $505,000 | $77,000 | $229,000 |
| VA-guaranteed (Veterans Administration) | 57 | $19,695,000 | $345,000 | $735,000 | $108,000 | $314,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,985,000 | $180,000 | $275,000 | $72,000 | $94,000 |
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 | 295 | $99,205,000 | $336,000 | $1,965,000 | $217,000 | $3,004,000 |
| Loan Purchased By The Institution | 82 | $28,300,000 | $345,000 | $1,255,000 | $353,000 | $938,000 |
| Application Denied By Financial Institution | 82 | $16,180,000 | $197,000 | $2,055,000 | $110,000 | $1,246,000 |
| Application Withdrawn By Applicant | 80 | $26,080,000 | $326,000 | $1,505,000 | $210,000 | $2,760,000 |
| File Closed For Incompleteness | 33 | $4,675,000 | $141,000 | $305,000 | $83,000 | $250,000 |
| Application Approved But Not Accepted | 15 | $4,605,000 | $307,000 | $1,605,000 | $406,000 | $1,873,000 |
| 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 | 501 | $162,425,000 | $324,000 | $1,965,000 | $216,000 | $3,004,000 |
| Debt-To-Income Ratio | 28 | $4,630,000 | $165,000 | $485,000 | $66,000 | $160,000 |
| Credit History | 17 | $2,765,000 | $162,000 | $395,000 | $91,000 | $309,000 |
| Credit Application Incomplete | 16 | $1,740,000 | $108,000 | $285,000 | $148,000 | $1,246,000 |
| Other | 10 | $1,950,000 | $195,000 | $955,000 | $157,000 | $400,000 |
| Unverifiable Information | 6 | $1,700,000 | $283,000 | $465,000 | $79,000 | $185,000 |
| Collateral | 5 | $3,055,000 | $611,000 | $2,055,000 | $225,000 | $557,000 |
| Employment History | 3 | $665,000 | $221,000 | $335,000 | $71,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $115,000 | $115,000 | $115,000 | $178,000 | $178,000 |
| 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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