Access National Bank Mortgage Lending & HMDA Data, 2016

In 2016, Access National Bank of Reston, VA reported 2,939 mortgage applications totaling $776.6 million, up 3% from 2015. The average application was for $264,239, and applicants reported an average income of $115,857. 74% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (583), Indianapolis-Carmel-Anderson, IN (464) and Atlanta-Sandy Springs-Roswell, GA (373) (applications in parentheses).

Mortgage Company & Address Access National Bank
1800 Robert Fulton Dr
Reston, VA 20191
Tel #: available with data download
Federal Regulator * available with data download
Years 2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 2,939
Total Mortgage Loan Application Amount $776,599,000
Average Mortgage Loan Application Amount $264,239
Highest Mortgage Loan Application Amount $9,441,000
Average Applicant Income $115,857
Highest Applicant Income $3,220,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Access National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Access National Bank by Metropolitan Area in 2016

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Washington-Arlington-Alexandria, DC-VA-MD-WV 583 $ 235,862,000 $ 404,566 $ 165,492
Indianapolis-Carmel-Anderson, IN 464 $ 103,770,000 $ 223,642 $ 108,000
Atlanta-Sandy Springs-Roswell, GA 373 $ 91,898,000 $ 246,375 $ 109,000
Nashville-Davidson--Murfreesboro--Franklin, TN 240 $ 60,635,000 $ 252,645 $ 107,000
Hagerstown-Martinsburg, MD-WV 169 $ 29,031,000 $ 171,781 $ 64,781
Roanoke, VA 86 $ 13,470,000 $ 156,627 $ 64,000
Minneapolis-St. Paul-Bloomington, MN-WI 80 $ 20,764,000 $ 259,550 $ 116,675
Fort Wayne, IN 72 $ 8,138,000 $ 113,027 $ 51,000
Silver Spring-Frederick-Rockville, MD 50 $ 18,706,000 $ 374,120 $ 169,000
Denver-Aurora-Lakewood, CO 28 $ 8,561,000 $ 305,750 $ 116,000
Chambersburg-Waynesboro, PA 26 $ 4,828,000 $ 185,692 $ 67,000
Baltimore-Columbia-Towson, MD 22 $ 8,443,000 $ 383,772 $ 269,000
Lynchburg, VA 16 $ 2,498,000 $ 156,125 $ 60,000
Deltona-Daytona Beach-Ormond Beach, FL 15 $ 2,657,000 $ 177,133 $ 112,000
Raleigh, NC 15 $ 3,091,000 $ 206,066 $ 80,000
Winchester, VA-WV 15 $ 3,340,000 $ 222,666 $ 71,200
Chicago-Naperville-Arlington Heights, IL 14 $ 3,078,000 $ 219,857 $ 86,000
Tampa-St. Petersburg-Clearwater, FL 14 $ 3,547,000 $ 253,357 $ 348,000
Salisbury, MD-DE 11 $ 3,517,000 $ 319,727 $ 199,181
New York-Jersey City-White Plains, NY-NJ 10 $ 4,487,000 $ 448,700 $ 229,500
Blacksburg-Christiansburg-Radford, VA 9 $ 1,456,000 $ 161,777 $ 52,000
Oakland-Hayward-Berkeley, CA 9 $ 4,822,000 $ 535,777 $ 130,000
Phoenix-Mesa-Scottsdale, AZ 9 $ 2,272,000 $ 252,444 $ 109,000
San Diego-Carlsbad, CA 8 $ 3,658,000 $ 457,250 $ 130,000
Virginia Beach-Norfolk-Newport News, VA-NC 8 $ 2,780,000 $ 347,500 $ 138,000
Charleston-North Charleston, SC 7 $ 3,805,000 $ 543,571 $ 299,000
Charlotte-Concord-Gastonia, NC-SC 7 $ 1,484,000 $ 212,000 $ 93,714
Charlottesville, VA 7 $ 1,292,000 $ 184,571 $ 106,000
Kingsport-Bristol-Bristol, TN-VA 7 $ 950,000 $ 135,714 $ 48,000
Los Angeles-Long Beach-Glendale, CA 7 $ 5,124,000 $ 732,000 $ 100,000
Cincinnati, OH-KY-IN 6 $ 1,277,000 $ 212,833 $ 66,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 6 $ 1,503,000 $ 250,500 $ 89,000
Miami-Miami Beach-Kendall, FL 6 $ 1,464,000 $ 244,000 $ 231,000
Pittsburgh, PA 6 $ 1,314,000 $ 219,000 $ 108,000
Richmond, VA 6 $ 1,443,000 $ 240,500 $ 108,000
Augusta-Richmond County, GA-SC 5 $ 960,000 $ 192,000 $ 85,800
Cape Coral-Fort Myers, FL 5 $ 1,520,000 $ 304,000 $ 161,000
Chattanooga, TN-GA 5 $ 1,020,000 $ 204,000 $ 106,000
Columbus, OH 5 $ 1,111,000 $ 222,200 $ 153,000
Dallas-Plano-Irving, TX 5 $ 1,498,000 $ 299,600 $ 139,000
Houston-The Woodlands-Sugar Land, TX 5 $ 991,000 $ 198,200 $ 97,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 5 $ 889,000 $ 177,800 $ 136,200
North Port-Sarasota-Bradenton, FL 5 $ 1,534,000 $ 306,800 $ 65,000
Palm Bay-Melbourne-Titusville, FL 5 $ 1,272,000 $ 254,400 $ 155,000
Rockingham County-Strafford County, NH 5 $ 1,075,000 $ 215,000 $ 65,000
San Francisco-Redwood City-South San Francisco, CA 5 $ 1,390,000 $ 278,000 $ 121,000
Birmingham-Hoover, AL 4 $ 1,501,000 $ 375,250 $ 161,000
Gary, IN 4 $ 769,000 $ 192,250 $ 59,000
Greensboro-High Point, NC 4 $ 647,000 $ 161,750 $ 80,000
Jacksonville, FL 4 $ 1,854,000 $ 463,500 $ 202,000
Lake County-Kenosha County, IL-WI 4 $ 781,000 $ 195,250 $ 112,750
Montgomery County-Bucks County-Chester County, PA 4 $ 844,000 $ 211,000 $ 114,000
Ocala, FL 4 $ 919,000 $ 229,750 $ 150,000
Portland-Vancouver-Hillsboro, OR-WA 4 $ 923,000 $ 230,750 $ 83,000
Providence-Warwick, RI-MA 4 $ 797,000 $ 199,250 $ 164,250
San Jose-Sunnyvale-Santa Clara, CA 4 $ 1,995,000 $ 498,750 $ 135,000
Albany-Schenectady-Troy, NY 3 $ 598,000 $ 199,333 $ 30,000
Cleveland-Elyria, OH 3 $ 372,000 $ 124,000 $ 43,000
Columbus, IN 3 $ 403,000 $ 134,333 $ 50,000
Elgin, IL 3 $ 698,000 $ 232,666 $ 66,000
Gettysburg, PA 3 $ 465,000 $ 155,000 $ 55,000
Harrisonburg, VA 3 $ 565,000 $ 188,333 $ 40,000
Hinesville, GA 3 $ 386,000 $ 128,666 $ 42,000
Kansas City, MO-KS 3 $ 868,000 $ 289,333 $ 142,000
Lake Havasu City-Kingman, AZ 3 $ 639,000 $ 213,000 $ 67,000
Lakeland-Winter Haven, FL 3 $ 466,000 $ 155,333 $ 52,000
Orlando-Kissimmee-Sanford, FL 3 $ 429,000 $ 143,000 $ 65,000
Pensacola-Ferry Pass-Brent, FL 3 $ 538,000 $ 179,333 $ 47,000
Riverside-San Bernardino-Ontario, CA 3 $ 626,000 $ 208,666 $ 63,000
Santa Maria-Santa Barbara, CA 3 $ 1,199,000 $ 399,666 $ 88,000
South Bend-Mishawaka, IN-MI 3 $ 531,000 $ 177,000 $ 108,000
Tuscaloosa, AL 3 $ 1,073,000 $ 357,666 $ 242,000
Warren-Troy-Farmington Hills, MI 3 $ 1,003,000 $ 334,333 $ 132,000
West Palm Beach-Boca Raton-Delray Beach, FL 3 $ 1,032,000 $ 344,000 $ 170,000
Akron, OH 2 $ 374,000 $ 187,000 $ 86,000
Anchorage, AK 2 $ 515,000 $ 257,500 $ 30,000
Athens-Clarke County, GA 2 $ 194,000 $ 97,000 $ 37,000
Boston, MA 2 $ 752,000 $ 376,000 $ 177,000
Cambridge-Newton-Framingham, MA 2 $ 611,000 $ 305,500 $ 145,000
Camden, NJ 2 $ 412,000 $ 206,000 $ 42,000
Clarksville, TN-KY 2 $ 251,000 $ 125,500 $ 96,000
Columbus, GA-AL 2 $ 377,000 $ 188,500 $ 83,000
Crestview-Fort Walton Beach-Destin, FL 2 $ 632,000 $ 316,000 $ 114,000
Evansville, IN-KY 2 $ 291,000 $ 145,500 $ 91,000
Fort Collins, CO 2 $ 637,000 $ 318,500 $ 258,000
Greeley, CO 2 $ 742,000 $ 371,000 $ 172,000
Harrisburg-Carlisle, PA 2 $ 316,000 $ 158,000 $ 192,000
Hickory-Lenoir-Morganton, NC 2 $ 293,000 $ 146,500 $ 140,000
Hot Springs, AR 2 $ 268,000 $ 134,000 $ 10,000
Huntsville, AL 2 $ 515,000 $ 257,500 $ 86,000
Kalamazoo-Portage, MI 2 $ 420,000 $ 210,000 $ 119,000
Lafayette, LA 2 $ 937,000 $ 468,500 $ 150,000
Muncie, IN 2 $ 196,000 $ 98,000 $ 47,000
New Orleans-Metairie, LA 2 $ 445,000 $ 222,500 $ 90,000
Ogden-Clearfield, UT 2 $ 341,000 $ 170,500 $ 47,000
Provo-Orem, UT 2 $ 321,000 $ 160,500 $ 37,000
Pueblo, CO 2 $ 211,000 $ 105,500 $ 49,000
Sacramento--Roseville--Arden-Arcade, CA 2 $ 950,000 $ 475,000 $ 169,000
Salinas, CA 2 $ 645,000 $ 322,500 $ 95,000
Salt Lake City, UT 2 $ 742,000 $ 371,000 $ 134,000
San Antonio-New Braunfels, TX 2 $ 497,000 $ 248,500 $ 147,000
Santa Rosa, CA 2 $ 781,000 $ 390,500 $ 162,000
Seattle-Bellevue-Everett, WA 2 $ 708,000 $ 354,000 $ 142,000
St. Louis, MO-IL 2 $ 315,000 $ 157,500 $ 55,000
Yuma, AZ 2 $ 605,000 $ 302,500 $ 0
Anaheim-Santa Ana-Irvine, CA 1 $ 265,000 $ 265,000 $ 82,000
Asheville, NC 1 $ 400,000 $ 400,000 $ 70,000
Austin-Round Rock, TX 1 $ 247,000 $ 247,000 $ 65,000
Barnstable Town, MA 1 $ 315,000 $ 315,000 $ 244,000
Bend-Redmond, OR 1 $ 178,000 $ 178,000 $ 29,000
Billings, MT 1 $ 400,000 $ 400,000 $ 165,000
Bloomington, IN 1 $ 108,000 $ 108,000 $ 70,000
Boise City, ID 1 $ 186,000 $ 186,000 $ 39,000
Boulder, CO 1 $ 313,000 $ 313,000 $ 75,000
Bowling Green, KY 1 $ 224,000 $ 224,000 $ 194,000
Brunswick, GA 1 $ 143,000 $ 143,000 $ 0
Burlington, NC 1 $ 216,000 $ 216,000 $ 78,000
California-Lexington Park, MD 1 $ 356,000 $ 356,000 $ 85,000
Canton-Massillon, OH 1 $ 136,000 $ 136,000 $ 56,000
Coeur D'Alene, ID 1 $ 228,000 $ 228,000 $ 51,000
Colorado Springs, CO 1 $ 375,000 $ 375,000 $ 77,000
Columbia, SC 1 $ 153,000 $ 153,000 $ 37,000
Dalton, GA 1 $ 146,000 $ 146,000 $ 56,000
Des Moines-West Des Moines, IA 1 $ 334,000 $ 334,000 $ 293,000
Duluth, MN-WI 1 $ 357,000 $ 357,000 $ 136,000
Eau Claire, WI 1 $ 102,000 $ 102,000 $ 83,000
Elizabethtown-Fort Knox, KY 1 $ 261,000 $ 261,000 $ 80,000
Elkhart-Goshen, IN 1 $ 72,000 $ 72,000 $ 28,000
Erie, PA 1 $ 192,000 $ 192,000 $ 71,000
Eugene, OR 1 $ 192,000 $ 192,000 $ 94,000
Farmington, NM 1 $ 151,000 $ 151,000 $ 0
Fayetteville-Springdale-Rogers, AR-MO 1 $ 231,000 $ 231,000 $ 90,000
Gainesville, FL 1 $ 102,000 $ 102,000 $ 35,000
Gainesville, GA 1 $ 417,000 $ 417,000 $ 283,000
Grand Rapids-Wyoming, MI 1 $ 170,000 $ 170,000 $ 86,000
Greenville-Anderson-Mauldin, SC 1 $ 191,000 $ 191,000 $ 115,000
Hilton Head Island-Bluffton-Beaufort, SC 1 $ 951,000 $ 951,000 $ 328,000
Homosassa Springs, FL 1 $ 182,000 $ 182,000 $ 37,000
Huntington-Ashland, WV-KY-OH 1 $ 165,000 $ 165,000 $ 60,000
Jackson, TN 1 $ 108,000 $ 108,000 $ 46,000
Johnson City, TN 1 $ 146,000 $ 146,000 $ 115,000
Joplin, MO 1 $ 107,000 $ 107,000 $ 47,000
Knoxville, TN 1 $ 225,000 $ 225,000 $ 96,000
Las Vegas-Henderson-Paradise, NV 1 $ 230,000 $ 230,000 $ 83,000
Lewiston-Auburn, ME 1 $ 150,000 $ 150,000 $ 138,000
Louisville/Jefferson County, KY-IN 1 $ 364,000 $ 364,000 $ 323,000
Manchester-Nashua, NH 1 $ 172,000 $ 172,000 $ 75,000
Memphis, TN-MS-AR 1 $ 303,000 $ 303,000 $ 171,000
Milwaukee-Waukesha-West Allis, WI 1 $ 190,000 $ 190,000 $ 0
Mobile, AL 1 $ 208,000 $ 208,000 $ 173,000
Naples-Immokalee-Marco Island, FL 1 $ 205,000 $ 205,000 $ 47,000
Nassau County-Suffolk County, NY 1 $ 369,000 $ 369,000 $ 93,000
Niles-Benton Harbor, MI 1 $ 196,000 $ 196,000 $ 141,000
Peoria, IL 1 $ 139,000 $ 139,000 $ 83,000
Santa Fe, NM 1 $ 246,000 $ 246,000 $ 124,000
Savannah, GA 1 $ 245,000 $ 245,000 $ 76,000
Sierra Vista-Douglas, AZ 1 $ 125,000 $ 125,000 $ 88,000
Springfield, IL 1 $ 142,000 $ 142,000 $ 59,000
St. Joseph, MO-KS 1 $ 330,000 $ 330,000 $ 136,000
Staunton-Waynesboro, VA 1 $ 255,000 $ 255,000 $ 58,000
Tacoma-Lakewood, WA 1 $ 236,000 $ 236,000 $ 0
Terre Haute, IN 1 $ 139,000 $ 139,000 $ 56,000
The Villages, FL 1 $ 277,000 $ 277,000 $ 84,000
Toledo, OH 1 $ 77,000 $ 77,000 $ 43,000
Tulsa, OK 1 $ 417,000 $ 417,000 $ 166,000
Valdosta, GA 1 $ 261,000 $ 261,000 $ 40,000
Warner Robins, GA 1 $ 96,000 $ 96,000 $ 125,000
Wheeling, WV-OH 1 $ 151,000 $ 151,000 $ 54,000
Wichita, KS 1 $ 233,000 $ 233,000 $ 145,000
Wilmington, DE-MD-NJ 1 $ 236,000 $ 236,000 $ 80,000
Winston-Salem, NC 1 $ 184,000 $ 184,000 $ 62,000
Youngstown-Warren-Boardman, OH-PA 1 $ 81,000 $ 81,000 $ 67,000

Mortgage Loan Application Detail Totals for Access National Bank 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 1,866 $461,757,000 $247,000 $9,441,000 $106,000 $3,220,000
Refinancing 1,073 $314,842,000 $293,000 $1,940,000 $133,000 $2,770,000
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 2,130 $551,387,000 $258,000 $1,940,000 $122,000 $3,220,000
Not Provided 377 $116,585,000 $309,000 $1,700,000 $120,000 $760,000
Black or African American 232 $49,151,000 $211,000 $727,000 $79,000 $390,000
Hispanic 86 $19,475,000 $226,000 $859,000 $87,000 $525,000
Asian 78 $21,936,000 $281,000 $864,000 $111,000 $342,000
Not applicable 30 $17,185,000 $572,000 $9,441,000 $0 $0
Native Hawaiin or Other Pacific Islander 5 $650,000 $130,000 $199,000 $44,000 $60,000
American Indian or Alaskan Native 1 $230,000 $230,000 $230,000 $61,000 $61,000

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) 1,831 $535,891,000 $292,000 $9,441,000 $144,000 $3,220,000
FHA-insured (Federal Housing Administration) 685 $134,659,000 $196,000 $636,000 $69,000 $445,000
VA-guaranteed (Veterans Administration) 292 $86,272,000 $295,000 $1,440,000 $78,000 $508,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 131 $19,777,000 $150,000 $283,000 $50,000 $101,000

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 2,176 $578,778,000 $265,000 $9,441,000 $116,000 $3,220,000
Application Denied By Financial Institution 385 $89,792,000 $233,000 $1,500,000 $90,000 $1,799,000
Application Withdrawn By Applicant 344 $97,263,000 $282,000 $1,700,000 $133,000 $1,799,000
Preapproval Denied by Financial Institution 18 $5,219,000 $289,000 $850,000 $119,000 $350,000
Application Approved But Not Accepted 16 $5,547,000 $346,000 $1,940,000 $315,000 $2,770,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 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
Collateral 165 $36,514,000 $221,000 $1,500,000 $104,000 $1,799,000
Debt-To-Income Ratio 85 $21,696,000 $255,000 $860,000 $69,000 $390,000
Unverifiable Information 54 $14,064,000 $260,000 $1,500,000 $95,000 $319,000
Credit History 49 $10,386,000 $211,000 $600,000 $82,000 $270,000
Insufficient Cash (Downpayment, Closing Cost) 21 $4,055,000 $193,000 $403,000 $75,000 $180,000
Other 20 $6,028,000 $301,000 $1,120,000 $121,000 $350,000
Employment History 9 $2,268,000 $252,000 $635,000 $63,000 $185,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Access National Bank's 2016 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 Access National 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.
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