1St Service Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
1St Service Bank 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | 1St Service Bank 6830 Old Dominion Drive Mclean, VA 22101 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 671 |
| Total Mortgage Loan Application Amount | $174,776,000 |
| Average Mortgage Loan Application Amount | $226,160 |
| Highest Mortgage Loan Application Amount | $1,190,000 |
| Average Applicant Income | $103,720 |
| Highest Applicant Income | $1,722,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with 1St Service Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing 1St Service Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down 1St Service Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how 1St Service Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by 1St Service Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at 1St Service Bank's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fairfax County Virginia | 175 | $ 49,563,000 | $ 283,000 | $ 128,000 |
| Prince William County Virginia | 130 | $ 38,160,000 | $ 293,000 | $ 84,000 |
| Loudoun County Virginia | 56 | $ 15,697,000 | $ 280,000 | $ 99,000 |
| Arlington County Virginia | 25 | $ 7,023,000 | $ 280,000 | $ 149,000 |
| Alexandria County Virginia | 24 | $ 5,631,000 | $ 234,000 | $ 80,000 |
| Spotsylvania County Virginia | 22 | $ 6,178,000 | $ 280,000 | $ 482,000 |
| District of Columbia County District Of Columbia | 18 | $ 5,301,000 | $ 294,000 | $ 116,000 |
| Montgomery County Maryland | 18 | $ 4,693,000 | $ 260,000 | $ 96,000 |
| Prince George's County Maryland | 16 | $ 3,857,000 | $ 241,000 | $ 84,000 |
| Albemarle County Virginia | 15 | $ 1,761,000 | $ 117,000 | $ 199,000 |
| Frederick County Virginia | 14 | $ 1,826,000 | $ 130,000 | $ 78,000 |
| Stafford County Virginia | 14 | $ 3,116,000 | $ 222,000 | $ 72,000 |
| Culpeper County Virginia | 10 | $ 2,346,000 | $ 234,000 | $ 86,000 |
| Fauquier County Virginia | 10 | $ 2,153,000 | $ 215,000 | $ 81,000 |
| Fairfax City County Virginia | 8 | $ 2,048,000 | $ 256,000 | $ 162,000 |
| Jefferson County West Virginia | 8 | $ 1,687,000 | $ 210,000 | $ 87,000 |
| Worcester County Maryland | 6 | $ 1,590,000 | $ 265,000 | $ 168,000 |
| Calvert County Maryland | 5 | $ 1,300,000 | $ 260,000 | $ 121,000 |
| Orange County Virginia | 5 | $ 765,000 | $ 153,000 | $ 70,000 |
| Howard County Maryland | 4 | $ 976,000 | $ 244,000 | $ 114,000 |
| Charlottesville County Virginia | 4 | $ 444,000 | $ 111,000 | $ 199,000 |
| Anne Arundel County Maryland | 3 | $ 1,211,000 | $ 403,000 | $ 88,000 |
| Baltimore County Maryland | 3 | $ 326,000 | $ 108,000 | $ 76,000 |
| Charles County Maryland | 3 | $ 815,000 | $ 271,000 | $ 103,000 |
| Franklin County Pennsylvania | 3 | $ 332,000 | $ 110,000 | $ 105,000 |
| Greene County Virginia | 3 | $ 328,000 | $ 109,000 | $ 73,000 |
| Harrisonburg County Virginia | 3 | $ 354,000 | $ 118,000 | $ 45,000 |
| Henrico County Virginia | 3 | $ 350,000 | $ 116,000 | $ 52,000 |
| Warren County Virginia | 3 | $ 577,000 | $ 192,000 | $ 91,000 |
| Manatee County Florida | 2 | $ 197,000 | $ 98,000 | $ 59,000 |
| Palm Beach County Florida | 2 | $ 200,000 | $ 100,000 | $ 53,000 |
| Washington County Maryland | 2 | $ 1,029,000 | $ 514,000 | $ 37,000 |
| Brunswick County North Carolina | 2 | $ 471,000 | $ 235,000 | $ 216,000 |
| Currituck County North Carolina | 2 | $ 468,000 | $ 234,000 | $ 283,000 |
| Mecklenburg County North Carolina | 2 | $ 329,000 | $ 164,000 | $ 94,000 |
| Caroline County Virginia | 2 | $ 172,000 | $ 86,000 | $ 37,000 |
| Lynchburg County Virginia | 2 | $ 401,000 | $ 200,000 | $ 50,000 |
| Page County Virginia | 2 | $ 282,000 | $ 141,000 | $ 97,000 |
| Roanoke County Virginia | 2 | $ 92,000 | $ 46,000 | $ 38,000 |
| Westmoreland County Virginia | 2 | $ 765,000 | $ 382,000 | $ 201,000 |
| Maricopa County Arizona | 1 | $ 368,000 | $ 368,000 | $ 136,000 |
| Gunnison County Colorado | 1 | $ 125,000 | $ 125,000 | $ 108,000 |
| Kent County Delaware | 1 | $ 190,000 | $ 190,000 | $ 125,000 |
| Sussex County Delaware | 1 | $ 262,000 | $ 262,000 | $ 144,000 |
| Lee County Florida | 1 | $ 452,000 | $ 452,000 | $ 110,000 |
| Miami-Dade County Florida | 1 | $ 165,000 | $ 165,000 | $ 256,000 |
| Fulton County Georgia | 1 | $ 350,000 | $ 350,000 | $ 100,000 |
| Gwinnett County Georgia | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Aroostook County Maine | 1 | $ 100,000 | $ 100,000 | $ 180,000 |
| Baltimore City County Maryland | 1 | $ 71,000 | $ 71,000 | $ 172,000 |
| Carroll County Maryland | 1 | $ 360,000 | $ 360,000 | $ 87,000 |
| Dorchester County Maryland | 1 | $ 122,000 | $ 122,000 | $ 96,000 |
| Frederick County Maryland | 1 | $ 217,000 | $ 217,000 | $ 123,000 |
| Harford County Maryland | 1 | $ 234,000 | $ 234,000 | $ 90,000 |
| St. Mary's County Maryland | 1 | $ 232,000 | $ 232,000 | $ 104,000 |
| Talbot County Maryland | 1 | $ 250,000 | $ 250,000 | $ 72,000 |
| Essex County Massachusetts | 1 | $ 200,000 | $ 200,000 | $ 39,000 |
| Wayne County Michigan | 1 | $ 55,000 | $ 55,000 | $ 115,000 |
| Alamance County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 79,000 |
| Delaware County Pennsylvania | 1 | $ 180,000 | $ 180,000 | $ 60,000 |
| Charleston County South Carolina | 1 | $ 276,000 | $ 276,000 | $ 194,000 |
| Colleton County South Carolina | 1 | $ 336,000 | $ 336,000 | $ 66,000 |
| Cumberland County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 120,000 |
| Bedford County Virginia | 1 | $ 404,000 | $ 404,000 | $ 174,000 |
| Bedford City County Virginia | 1 | $ 102,000 | $ 102,000 | $ 36,000 |
| Clarke County Virginia | 1 | $ 300,000 | $ 300,000 | $ 126,000 |
| Falls Church County Virginia | 1 | $ 350,000 | $ 350,000 | $ 66,000 |
| James City County Virginia | 1 | $ 368,000 | $ 368,000 | $ 75,000 |
| King George County Virginia | 1 | $ 274,000 | $ 274,000 | $ 78,000 |
| King William County Virginia | 1 | $ 232,000 | $ 232,000 | $ 76,000 |
| Manassas County Virginia | 1 | $ 660,000 | $ 660,000 | $ 154,000 |
| Manassas Park County Virginia | 1 | $ 252,000 | $ 252,000 | $ 59,000 |
| Rappahannock County Virginia | 1 | $ 550,000 | $ 550,000 | $ 430,000 |
| Berkeley County West Virginia | 1 | $ 48,000 | $ 48,000 | $ 28,000 |
Mortgage Loan Application Detail Totals for 1St Service Bank in 2005
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 | 410 | $100,840,000 | $248,076 | $780,000 | $99,230 | $1,722,000 |
| Refinancing | 261 | $73,936,000 | $202,416 | $1,190,000 | $108,583 | $1,507,000 |
| Home Improvement | 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 | 461 | $117,771,000 | $218,000 | $839,000 | $117,250 | $1,722,000 |
| Black or African American | 95 | $25,907,000 | $243,571 | $677,000 | $88,857 | $295,000 |
| Hispanic | 43 | $11,473,000 | $215,500 | $592,000 | $126,750 | $378,000 |
| Asian | 42 | $11,906,000 | $250,666 | $1,190,000 | $75,333 | $241,000 |
| Not Provided | 25 | $6,588,000 | $258,200 | $664,000 | $75,400 | $275,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,131,000 | $226,000 | $424,000 | $130,000 | $173,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 669 | $174,219,000 | $214,294 | $1,190,000 | $107,882 | $1,722,000 |
| VA-guaranteed (Veterans Administration) | 2 | $557,000 | $278,000 | $325,000 | $38,000 | $76,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 587 | $153,718,000 | $223,285 | $839,000 | $111,571 | $1,545,000 |
| Application Withdrawn By Applicant | 43 | $11,175,000 | $287,000 | $1,190,000 | $83,000 | $1,722,000 |
| Application Approved But Not Accepted | 17 | $5,393,000 | $315,000 | $580,000 | $131,500 | $1,545,000 |
| Application Denied By Financial Institution | 17 | $3,431,000 | $239,000 | $585,000 | $94,400 | $168,000 |
| File Closed For Incompleteness | 7 | $1,059,000 | $108,000 | $275,000 | $60,500 | $227,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 7 | $1,778,000 | $190,500 | $560,000 | $91,250 | $126,000 |
| Debt-To-Income Ratio | 7 | $1,460,000 | $365,000 | $585,000 | $105,500 | $168,000 |
| Collateral | 2 | $141,000 | $70,000 | $113,000 | $42,000 | $43,000 |
| Employment History | 1 | $52,000 | $52,000 | $52,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into 1St Service Bank's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess 1St Service Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Virginia, download the full spreadsheet
with aggregated HMDA statistics today.