Access National Mortgage Mortgage Lending & HMDA Data, 2004

In 2004, Access National Mortgage of Reston, VA reported 3,781 mortgage applications totaling $658.7 million, down 41% from 2003. The average application was for $174,224, and applicants reported an average income of $65,511. 85% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Fort Worth-Arlington, TX (396), Roanoke, VA (149) and Chicago-Naperville-Joliet, IL (147) (applications in parentheses).

Mortgage Company & Address Access National Mortgage
1800 Robert Fulton Drive, Suite 350
Reston, VA 20191
Tel #: available with data download
Federal Regulator * available with data download
Years 2004  2003  
Total Number of Mortgage Applications 3,781
Total Mortgage Loan Application Amount $658,741,000
Average Mortgage Loan Application Amount $174,224
Highest Mortgage Loan Application Amount $1,406,000
Average Applicant Income $65,511
Highest Applicant Income $1,456,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Access National Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Mortgage by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Fairfax, Virginia 373 $ 103,688,000 $ 277,983 $ 112,000
Tarrant, Texas 367 $ 41,810,000 $ 113,923 $ 57,000
Loudoun, Virginia 170 $ 45,289,000 $ 266,405 $ 130,000
Cook, Illinois 134 $ 23,455,000 $ 175,037 $ 49,000
Prince William, Virginia 131 $ 27,585,000 $ 210,572 $ 70,000
Prince George's, Maryland 112 $ 29,567,000 $ 263,991 $ 86,000
Davidson, Tennessee 74 $ 9,971,000 $ 134,743 $ 80,000
Montgomery, Maryland 72 $ 19,571,000 $ 271,819 $ 110,000
Dallas, Texas 57 $ 6,332,000 $ 111,087 $ 26,000
Roanoke, Virginia 56 $ 7,893,000 $ 140,946 $ 68,000
Chesterfield, Virginia 53 $ 7,152,000 $ 134,943 $ 78,000
District of Columbia, District Of Columbia 45 $ 11,210,000 $ 249,111 $ 100,000
Roanoke City, Virginia 45 $ 4,083,000 $ 90,733 $ 48,000
Dorchester, Maryland 43 $ 6,491,000 $ 150,953 $ 75,000
Camden, New Jersey 43 $ 4,682,000 $ 108,883 $ 41,000
Bedford, Virginia 42 $ 4,934,000 $ 117,476 $ 45,000
Broward, Florida 39 $ 5,388,000 $ 138,153 $ 58,000
Arlington, Virginia 32 $ 8,679,000 $ 271,218 $ 124,000
Spotsylvania, Virginia 32 $ 5,034,000 $ 157,312 $ 122,000
Alexandria, Virginia 31 $ 7,133,000 $ 230,096 $ 70,000
Burlington, New Jersey 30 $ 4,118,000 $ 137,266 $ 47,000
Denton, Texas 30 $ 3,740,000 $ 124,666 $ 32,000
Henrico, Virginia 30 $ 3,436,000 $ 114,533 $ 43,000
Essex, New Jersey 28 $ 5,168,000 $ 184,571 $ 49,000
East Baton Rouge, Louisiana 25 $ 2,289,000 $ 91,560 $ 0
Johnson, Texas 25 $ 2,464,000 $ 98,560 $ 29,000
Stafford, Virginia 25 $ 4,659,000 $ 186,360 $ 71,000
Charles, Maryland 24 $ 9,661,000 $ 402,541 $ 131,000
DeSoto, Mississippi 24 $ 2,401,000 $ 100,041 $ 0
Miami-Dade, Florida 22 $ 3,767,000 $ 171,227 $ 127,000
Jefferson, Alabama 21 $ 2,154,000 $ 102,571 $ 12,000
Union, New Jersey 21 $ 3,646,000 $ 173,619 $ 44,000
Franklin, Virginia 21 $ 2,521,000 $ 120,047 $ 52,000
Williamson, Tennessee 19 $ 3,769,000 $ 198,368 $ 73,000
Hinds, Mississippi 17 $ 1,488,000 $ 87,529 $ 0
Monmouth, New Jersey 17 $ 2,903,000 $ 170,764 $ 63,000
Palm Beach, Florida 15 $ 4,312,000 $ 287,466 $ 102,000
Anne Arundel, Maryland 15 $ 3,590,000 $ 239,333 $ 107,000
Middlesex, New Jersey 15 $ 2,617,000 $ 174,466 $ 40,000
Collin, Texas 15 $ 2,036,000 $ 135,733 $ 43,000
Botetourt, Virginia 15 $ 2,041,000 $ 136,066 $ 46,000
Manassas, Virginia 15 $ 2,986,000 $ 199,066 $ 54,000
Atlantic, New Jersey 14 $ 1,427,000 $ 101,928 $ 42,000
Suffolk, New York 14 $ 3,745,000 $ 267,500 $ 74,000
Henry, Virginia 14 $ 1,438,000 $ 102,714 $ 41,000
Richmond City, Virginia 14 $ 1,420,000 $ 101,428 $ 35,000
Gloucester, New Jersey 13 $ 1,870,000 $ 143,846 $ 35,000
Ocean, New Jersey 13 $ 2,441,000 $ 187,769 $ 77,000
Pittsylvania, Virginia 13 $ 1,327,000 $ 102,076 $ 89,000
Orleans, Louisiana 12 $ 1,057,000 $ 88,083 $ 15,000
Howard, Maryland 12 $ 2,723,000 $ 226,916 $ 114,000
Harris, Texas 12 $ 1,622,000 $ 135,166 $ 28,000
Volusia, Florida 11 $ 2,652,000 $ 241,090 $ 519,000
Jefferson, Louisiana 11 $ 1,001,000 $ 91,000 $ 0
Caroline, Virginia 11 $ 1,494,000 $ 135,818 $ 44,000
Fairfax City, Virginia 11 $ 2,001,000 $ 181,909 $ 105,000
Salem, Virginia 11 $ 1,260,000 $ 114,545 $ 54,000
Riverside, California 10 $ 2,280,000 $ 228,000 $ 77,000
Gunnison, Colorado 10 $ 730,000 $ 73,000 $ 305,000
Frederick, Maryland 10 $ 2,092,000 $ 209,200 $ 94,000
Rankin, Mississippi 10 $ 1,048,000 $ 104,800 $ 0
Hudson, New Jersey 10 $ 1,670,000 $ 167,000 $ 38,000
Mercer, New Jersey 10 $ 1,252,000 $ 125,200 $ 48,000
York, Pennsylvania 10 $ 1,818,000 $ 181,800 $ 72,000
Rutherford, Tennessee 10 $ 1,271,000 $ 127,100 $ 27,000
Mercer, West Virginia 10 $ 785,000 $ 78,500 $ 31,000
Duval, Florida 9 $ 1,555,000 $ 172,777 $ 67,000
Calvert, Maryland 9 $ 2,108,000 $ 234,222 $ 135,000
Carroll, Maryland 9 $ 1,606,000 $ 178,444 $ 67,000
Nassau, New York 9 $ 2,387,000 $ 265,222 $ 90,000
Queens, New York 9 $ 1,836,000 $ 204,000 $ 60,000
Richmond, New York 9 $ 1,734,000 $ 192,666 $ 53,000
Franklin, Ohio 9 $ 1,061,000 $ 117,888 $ 13,000
Hanover, Virginia 9 $ 1,541,000 $ 171,222 $ 58,000
Tazewell, Virginia 9 $ 915,000 $ 101,666 $ 65,000
Virginia Beach, Virginia 9 $ 1,026,000 $ 114,000 $ 28,000
St. Tammany, Louisiana 8 $ 796,000 $ 99,500 $ 0
Bergen, New Jersey 8 $ 2,221,000 $ 277,625 $ 85,000
Somerset, New Jersey 8 $ 1,460,000 $ 182,500 $ 40,000
Kings, New York 8 $ 1,796,000 $ 224,500 $ 17,000
Ellis, Texas 8 $ 1,069,000 $ 133,625 $ 55,000
Fauquier, Virginia 8 $ 1,969,000 $ 246,125 $ 66,000
Newport News, Virginia 8 $ 919,000 $ 114,875 $ 58,000
San Bernardino, California 7 $ 974,000 $ 139,142 $ 63,000
Hillsborough, Florida 7 $ 1,204,000 $ 172,000 $ 66,000
Lee, Florida 7 $ 783,000 $ 111,857 $ 73,000
Seminole, Florida 7 $ 1,268,000 $ 181,142 $ 52,000
Gwinnett, Georgia 7 $ 1,031,000 $ 147,285 $ 56,000
Worcester, Maryland 7 $ 1,958,000 $ 279,714 $ 170,000
Harrison, Mississippi 7 $ 513,000 $ 73,285 $ 9,000
Jackson, Mississippi 7 $ 588,000 $ 84,000 $ 0
Morris, New Jersey 7 $ 1,680,000 $ 240,000 $ 80,000
Passaic, New Jersey 7 $ 1,197,000 $ 171,000 $ 58,000
Erie, New York 7 $ 675,000 $ 96,428 $ 36,000
Kaufman, Texas 7 $ 748,000 $ 106,857 $ 26,000
Rockingham, Virginia 7 $ 807,000 $ 115,285 $ 38,000
Madison, Alabama 6 $ 595,000 $ 99,166 $ 0
Los Angeles, California 6 $ 1,050,000 $ 175,000 $ 75,000
Fulton, Georgia 6 $ 983,000 $ 163,833 $ 71,000
Lake, Indiana 6 $ 531,000 $ 88,500 $ 25,000
Livingston, Louisiana 6 $ 544,000 $ 90,666 $ 0
Clark, Nevada 6 $ 1,002,000 $ 167,000 $ 66,000
Cumberland, New Jersey 6 $ 603,000 $ 100,500 $ 21,000
Mecklenburg, North Carolina 6 $ 578,000 $ 96,333 $ 11,000
Sumner, Tennessee 6 $ 1,068,000 $ 178,000 $ 44,000
Augusta, Virginia 6 $ 804,000 $ 134,000 $ 52,000
Chesapeake, Virginia 6 $ 788,000 $ 131,333 $ 22,000
Falls Church, Virginia 6 $ 1,274,000 $ 212,333 $ 119,000
Montgomery, Virginia 6 $ 857,000 $ 142,833 $ 71,000
Orange, Virginia 6 $ 1,415,000 $ 235,833 $ 129,000
Pulaski, Virginia 6 $ 723,000 $ 120,500 $ 47,000
Staunton, Virginia 6 $ 713,000 $ 118,833 $ 52,000
Shelby, Alabama 5 $ 498,000 $ 99,600 $ 0
New Haven, Connecticut 5 $ 844,000 $ 168,800 $ 97,000
Sussex, Delaware 5 $ 1,424,000 $ 284,800 $ 239,000
Orange, Florida 5 $ 808,000 $ 161,600 $ 736,000
Clayton, Georgia 5 $ 537,000 $ 107,400 $ 7,000
DuPage, Illinois 5 $ 656,000 $ 131,200 $ 34,000
Lake, Illinois 5 $ 741,000 $ 148,200 $ 33,000
Terrebonne, Louisiana 5 $ 474,000 $ 94,800 $ 0
Baltimore, Maryland 5 $ 812,000 $ 162,400 $ 55,000
Baltimore City, Maryland 5 $ 543,000 $ 108,600 $ 30,000
Middlesex, Massachusetts 5 $ 952,000 $ 190,400 $ 77,000
Suffolk, Massachusetts 5 $ 917,000 $ 183,400 $ 56,000
Washoe, Nevada 5 $ 820,000 $ 164,000 $ 68,000
Salem, New Jersey 5 $ 437,000 $ 87,400 $ 52,000
Sussex, New Jersey 5 $ 763,000 $ 152,600 $ 33,000
Delaware, Pennsylvania 5 $ 564,000 $ 112,800 $ 33,000
Bexar, Texas 5 $ 760,000 $ 152,000 $ 67,000
Albemarle, Virginia 5 $ 512,000 $ 102,400 $ 43,000
James City, Virginia 5 $ 568,000 $ 113,600 $ 51,000
Manassas Park, Virginia 5 $ 879,000 $ 175,800 $ 76,000
Powhatan, Virginia 5 $ 633,000 $ 126,600 $ 71,000
Wythe, Virginia 5 $ 475,000 $ 95,000 $ 39,000
Maricopa, Arizona 4 $ 872,000 $ 218,000 $ 133,000
Benton, Arkansas 4 $ 668,000 $ 167,000 $ 52,000
Sacramento, California 4 $ 813,000 $ 203,250 $ 64,000
Denver, Colorado 4 $ 596,000 $ 149,000 $ 37,000
Douglas, Colorado 4 $ 719,000 $ 179,750 $ 75,000
Jefferson, Colorado 4 $ 520,000 $ 130,000 $ 29,000
Hartford, Connecticut 4 $ 563,000 $ 140,750 $ 34,000
New Castle, Delaware 4 $ 425,000 $ 106,250 $ 72,000
Pinellas, Florida 4 $ 685,000 $ 171,250 $ 61,000
Walton, Florida 4 $ 848,000 $ 212,000 $ 69,000
Will, Illinois 4 $ 726,000 $ 181,500 $ 41,000
Lafayette, Louisiana 4 $ 339,000 $ 84,750 $ 0
St. Bernard, Louisiana 4 $ 450,000 $ 112,500 $ 0
Worcester, Massachusetts 4 $ 725,000 $ 181,250 $ 58,000
Cape May, New Jersey 4 $ 869,000 $ 217,250 $ 132,000
Warren, New Jersey 4 $ 675,000 $ 168,750 $ 64,000
Orange, New York 4 $ 635,000 $ 158,750 $ 43,000
Brunswick, North Carolina 4 $ 486,000 $ 121,500 $ 37,000
Craven, North Carolina 4 $ 326,000 $ 81,500 $ 52,000
Guilford, North Carolina 4 $ 352,000 $ 88,000 $ 0
New Hanover, North Carolina 4 $ 520,000 $ 130,000 $ 98,000
Wake, North Carolina 4 $ 756,000 $ 189,000 $ 108,000
Allegheny, Pennsylvania 4 $ 395,000 $ 98,750 $ 51,000
York, South Carolina 4 $ 811,000 $ 202,750 $ 109,000
Cheatham, Tennessee 4 $ 424,000 $ 106,000 $ 20,000
Robertson, Tennessee 4 $ 438,000 $ 109,500 $ 46,000
Fort Bend, Texas 4 $ 587,000 $ 146,750 $ 25,000
Travis, Texas 4 $ 601,000 $ 150,250 $ 42,000
Amelia, Virginia 4 $ 418,000 $ 104,500 $ 48,000
Campbell, Virginia 4 $ 301,000 $ 75,250 $ 30,000
Culpeper, Virginia 4 $ 950,000 $ 237,500 $ 85,000
Hampton, Virginia 4 $ 398,000 $ 99,500 $ 123,000
Lynchburg, Virginia 4 $ 342,000 $ 85,500 $ 54,000
Warren, Virginia 4 $ 671,000 $ 167,750 $ 64,000
Berkeley, West Virginia 4 $ 498,000 $ 124,500 $ 88,000
Jefferson, West Virginia 4 $ 600,000 $ 150,000 $ 91,000
San Diego, California 3 $ 508,000 $ 169,333 $ 66,000
Santa Clara, California 3 $ 1,165,000 $ 388,333 $ 211,000
Fairfield, Connecticut 3 $ 1,874,000 $ 624,666 $ 172,000
Martin, Florida 3 $ 427,000 $ 142,333 $ 122,000
Columbia, Georgia 3 $ 257,000 $ 85,666 $ 0
DeKalb, Georgia 3 $ 300,000 $ 100,000 $ 9,000
Henry, Georgia 3 $ 257,000 $ 85,666 $ 30,000
Newton, Georgia 3 $ 287,000 $ 95,666 $ 0
Honolulu, Hawaii 3 $ 524,000 $ 174,666 $ 0
Ada, Idaho 3 $ 282,000 $ 94,000 $ 0
St. Joseph, Indiana 3 $ 261,000 $ 87,000 $ 0
Ascension, Louisiana 3 $ 289,000 $ 96,333 $ 0
St. John the Baptist, Louisiana 3 $ 372,000 $ 124,000 $ 0
Garrett, Maryland 3 $ 946,000 $ 315,333 $ 187,000
Hampden, Massachusetts 3 $ 452,000 $ 150,666 $ 83,000
Norfolk, Massachusetts 3 $ 614,000 $ 204,666 $ 35,000
Madison, Mississippi 3 $ 271,000 $ 90,333 $ 30,000
Bernalillo, New Mexico 3 $ 592,000 $ 197,333 $ 115,000
Albany, New York 3 $ 328,000 $ 109,333 $ 27,000
Dutchess, New York 3 $ 382,000 $ 127,333 $ 21,000
Monroe, New York 3 $ 250,000 $ 83,333 $ 11,000
Putnam, New York 3 $ 542,000 $ 180,666 $ 74,000
Dare, North Carolina 3 $ 1,390,000 $ 463,333 $ 264,000
Hamilton, Ohio 3 $ 322,000 $ 107,333 $ 11,000
Maury, Tennessee 3 $ 366,000 $ 122,000 $ 29,000
Shelby, Tennessee 3 $ 367,000 $ 122,333 $ 34,000
Sullivan, Tennessee 3 $ 254,000 $ 84,666 $ 20,000
Wilson, Tennessee 3 $ 552,000 $ 184,000 $ 135,000
Parker, Texas 3 $ 282,000 $ 94,000 $ 44,000
Rockwall, Texas 3 $ 406,000 $ 135,333 $ 47,000
Alleghany, Virginia 3 $ 342,000 $ 114,000 $ 34,000
Appomattox, Virginia 3 $ 216,000 $ 72,000 $ 16,000
Carroll, Virginia 3 $ 307,000 $ 102,333 $ 46,000
Cumberland, Virginia 3 $ 304,000 $ 101,333 $ 30,000
Floyd, Virginia 3 $ 383,000 $ 127,666 $ 38,000
Frederick, Virginia 3 $ 589,000 $ 196,333 $ 46,000
Goochland, Virginia 3 $ 286,000 $ 95,333 $ 20,000
Louisa, Virginia 3 $ 277,000 $ 92,333 $ 28,000
Patrick, Virginia 3 $ 342,000 $ 114,000 $ 76,000
Waynesboro, Virginia 3 $ 360,000 $ 120,000 $ 31,000
King, Washington 3 $ 591,000 $ 197,000 $ 43,000
Monroe, West Virginia 3 $ 210,000 $ 70,000 $ 37,000
Baldwin, Alabama 2 $ 163,000 $ 81,500 $ 84,000
Houston, Alabama 2 $ 198,000 $ 99,000 $ 0
Mobile, Alabama 2 $ 190,000 $ 95,000 $ 0
Montgomery, Alabama 2 $ 174,000 $ 87,000 $ 0
Morgan, Alabama 2 $ 179,000 $ 89,500 $ 0
Pulaski, Arkansas 2 $ 186,000 $ 93,000 $ 13,000
Orange, California 2 $ 1,300,000 $ 650,000 $ 160,000
El Paso, Colorado 2 $ 422,000 $ 211,000 $ 91,000
Brevard, Florida 2 $ 384,000 $ 192,000 $ 82,000
Collier, Florida 2 $ 635,000 $ 317,500 $ 246,000
Marion, Florida 2 $ 232,000 $ 116,000 $ 123,000
Monroe, Florida 2 $ 313,000 $ 156,500 $ 108,000
Osceola, Florida 2 $ 212,000 $ 106,000 $ 161,000
Pasco, Florida 2 $ 434,000 $ 217,000 $ 97,000
Cobb, Georgia 2 $ 471,000 $ 235,500 $ 86,000
Bonner, Idaho 2 $ 131,000 $ 65,500 $ 42,000
Canyon, Idaho 2 $ 188,000 $ 94,000 $ 0
Champaign, Illinois 2 $ 520,000 $ 260,000 $ 188,000
McHenry, Illinois 2 $ 232,000 $ 116,000 $ 72,000
Johnson, Indiana 2 $ 173,000 $ 86,500 $ 0
Marion, Indiana 2 $ 222,000 $ 111,000 $ 20,000
Linn, Iowa 2 $ 171,000 $ 85,500 $ 38,000
Rapides, Louisiana 2 $ 199,000 $ 99,500 $ 0
Kent, Maryland 2 $ 927,000 $ 463,500 $ 174,000
Queen Anne's, Maryland 2 $ 457,000 $ 228,500 $ 109,000
Bristol, Massachusetts 2 $ 276,000 $ 138,000 $ 54,000
Essex, Massachusetts 2 $ 716,000 $ 358,000 $ 104,000
Allegan, Michigan 2 $ 330,000 $ 165,000 $ 64,000
Oakland, Michigan 2 $ 501,000 $ 250,500 $ 96,000
Anoka, Minnesota 2 $ 345,000 $ 172,500 $ 59,000
Pearl River, Mississippi 2 $ 186,000 $ 93,000 $ 0
Douglas, Nebraska 2 $ 205,000 $ 102,500 $ 30,000
Hunterdon, New Jersey 2 $ 555,000 $ 277,500 $ 65,000
Essex, New York 2 $ 316,000 $ 158,000 $ 28,000
Greene, New York 2 $ 184,000 $ 92,000 $ 29,000
Onondaga, New York 2 $ 186,000 $ 93,000 $ 22,000
Westchester, New York 2 $ 573,000 $ 286,500 $ 74,000
Forsyth, North Carolina 2 $ 158,000 $ 79,000 $ 0
Hoke, North Carolina 2 $ 204,000 $ 102,000 $ 25,000
Nash, North Carolina 2 $ 311,000 $ 155,500 $ 75,000
Onslow, North Carolina 2 $ 223,000 $ 111,500 $ 18,000
Union, North Carolina 2 $ 157,000 $ 78,500 $ 0
Cuyahoga, Ohio 2 $ 314,000 $ 157,000 $ 0
Summit, Ohio 2 $ 262,000 $ 131,000 $ 34,000
Multnomah, Oregon 2 $ 380,000 $ 190,000 $ 145,000
Washington, Oregon 2 $ 550,000 $ 275,000 $ 90,000
Berks, Pennsylvania 2 $ 259,000 $ 129,500 $ 0
Chester, Pennsylvania 2 $ 830,000 $ 415,000 $ 182,000
Lackawanna, Pennsylvania 2 $ 632,000 $ 316,000 $ 156,000
Montgomery, Pennsylvania 2 $ 247,000 $ 123,500 $ 82,000
Berkeley, South Carolina 2 $ 220,000 $ 110,000 $ 16,000
Greenville, South Carolina 2 $ 212,000 $ 106,000 $ 26,000
Horry, South Carolina 2 $ 111,000 $ 55,500 $ 30,000
Coffee, Tennessee 2 $ 101,000 $ 50,500 $ 120,000
Dickson, Tennessee 2 $ 138,000 $ 69,000 $ 61,000
Hamilton, Tennessee 2 $ 217,000 $ 108,500 $ 32,000
Polk, Tennessee 2 $ 323,000 $ 161,500 $ 132,000
Hays, Texas 2 $ 290,000 $ 145,000 $ 46,000
Hood, Texas 2 $ 248,000 $ 124,000 $ 94,000
Williamson, Texas 2 $ 302,000 $ 151,000 $ 95,000
Accomack, Virginia 2 $ 185,000 $ 92,500 $ 45,000
Amherst, Virginia 2 $ 160,000 $ 80,000 $ 12,000
Buena Vista, Virginia 2 $ 202,000 $ 101,000 $ 14,000
Charlottesville, Virginia 2 $ 490,000 $ 245,000 $ 246,000
Dinwiddie, Virginia 2 $ 185,000 $ 92,500 $ 23,000
Fredericksburg, Virginia 2 $ 755,000 $ 377,500 $ 97,000
Giles, Virginia 2 $ 156,000 $ 78,000 $ 39,000
Gloucester, Virginia 2 $ 212,000 $ 106,000 $ 18,000
Greene, Virginia 2 $ 224,000 $ 112,000 $ 47,000
Halifax, Virginia 2 $ 176,000 $ 88,000 $ 37,000
Harrisonburg, Virginia 2 $ 268,000 $ 134,000 $ 45,000
Isle of Wight, Virginia 2 $ 153,000 $ 76,500 $ 55,000
Nelson, Virginia 2 $ 400,000 $ 200,000 $ 83,000
Norfolk, Virginia 2 $ 338,000 $ 169,000 $ 87,000
Northampton, Virginia 2 $ 560,000 $ 280,000 $ 203,000
Suffolk, Virginia 2 $ 182,000 $ 91,000 $ 0
Westmoreland, Virginia 2 $ 422,000 $ 211,000 $ 248,000
Clark, Washington 2 $ 332,000 $ 166,000 $ 46,000
Hampshire, West Virginia 2 $ 245,000 $ 122,500 $ 42,000
Harrison, West Virginia 2 $ 160,000 $ 80,000 $ 20,000
Wyoming, West Virginia 2 $ 132,000 $ 66,000 $ 31,000
Calhoun, Alabama 1 $ 105,000 $ 105,000 $ 0
Chilton, Alabama 1 $ 84,000 $ 84,000 $ 45,000
Elmore, Alabama 1 $ 83,000 $ 83,000 $ 0
Etowah, Alabama 1 $ 82,000 $ 82,000 $ 0
Lauderdale, Alabama 1 $ 83,000 $ 83,000 $ 0
Lee, Alabama 1 $ 80,000 $ 80,000 $ 0
Limestone, Alabama 1 $ 100,000 $ 100,000 $ 0
Tuscaloosa, Alabama 1 $ 120,000 $ 120,000 $ 0
Pima, Arizona 1 $ 110,000 $ 110,000 $ 38,000
Yavapai, Arizona 1 $ 100,000 $ 100,000 $ 26,000
Crittenden, Arkansas 1 $ 83,000 $ 83,000 $ 0
Faulkner, Arkansas 1 $ 84,000 $ 84,000 $ 0
Saline, Arkansas 1 $ 95,000 $ 95,000 $ 0
Sebastian, Arkansas 1 $ 66,000 $ 66,000 $ 114,000
Union, Arkansas 1 $ 80,000 $ 80,000 $ 0
Washington, Arkansas 1 $ 79,000 $ 79,000 $ 45,000
Contra Costa, California 1 $ 280,000 $ 280,000 $ 76,000
San Benito, California 1 $ 419,000 $ 419,000 $ 100,000
San Luis Obispo, California 1 $ 140,000 $ 140,000 $ 140,000
Yolo, California 1 $ 271,000 $ 271,000 $ 53,000
Adams, Colorado 1 $ 76,000 $ 76,000 $ 42,000
Arapahoe, Colorado 1 $ 165,000 $ 165,000 $ 48,000
Boulder, Colorado 1 $ 395,000 $ 395,000 $ 80,000
Montrose, Colorado 1 $ 203,000 $ 203,000 $ 128,000
Teller, Colorado 1 $ 300,000 $ 300,000 $ 110,000
Litchfield, Connecticut 1 $ 260,000 $ 260,000 $ 95,000
New London, Connecticut 1 $ 152,000 $ 152,000 $ 89,000
Clay, Florida 1 $ 158,000 $ 158,000 $ 70,000
Hardee, Florida 1 $ 140,000 $ 140,000 $ 0
Hernando, Florida 1 $ 108,000 $ 108,000 $ 0
Lake, Florida 1 $ 138,000 $ 138,000 $ 0
Manatee, Florida 1 $ 155,000 $ 155,000 $ 249,000
Barrow, Georgia 1 $ 94,000 $ 94,000 $ 0
Bryan, Georgia 1 $ 238,000 $ 238,000 $ 105,000
Douglas, Georgia 1 $ 78,000 $ 78,000 $ 0
Forsyth, Georgia 1 $ 128,000 $ 128,000 $ 75,000
Paulding, Georgia 1 $ 100,000 $ 100,000 $ 0
Polk, Georgia 1 $ 84,000 $ 84,000 $ 0
Walton, Georgia 1 $ 78,000 $ 78,000 $ 0
DeKalb, Illinois 1 $ 127,000 $ 127,000 $ 0
Jersey, Illinois 1 $ 73,000 $ 73,000 $ 0
Kane, Illinois 1 $ 218,000 $ 218,000 $ 54,000
McLean, Illinois 1 $ 95,000 $ 95,000 $ 0
Peoria, Illinois 1 $ 85,000 $ 85,000 $ 0
Perry, Illinois 1 $ 59,000 $ 59,000 $ 35,000
Williamson, Illinois 1 $ 50,000 $ 50,000 $ 51,000
Winnebago, Illinois 1 $ 258,000 $ 258,000 $ 119,000
Monroe, Indiana 1 $ 79,000 $ 79,000 $ 0
Porter, Indiana 1 $ 140,000 $ 140,000 $ 100,000
Shelby, Indiana 1 $ 72,000 $ 72,000 $ 0
Wayne, Indiana 1 $ 98,000 $ 98,000 $ 46,000
Polk, Iowa 1 $ 74,000 $ 74,000 $ 0
Sedgwick, Kansas 1 $ 208,000 $ 208,000 $ 87,000
Fayette, Kentucky 1 $ 89,000 $ 89,000 $ 0
Jefferson, Kentucky 1 $ 88,000 $ 88,000 $ 0
Nelson, Kentucky 1 $ 106,000 $ 106,000 $ 0
Pulaski, Kentucky 1 $ 114,000 $ 114,000 $ 82,000
Ouachita, Louisiana 1 $ 91,000 $ 91,000 $ 0
Plaquemines, Louisiana 1 $ 160,000 $ 160,000 $ 0
Red River, Louisiana 1 $ 80,000 $ 80,000 $ 0
St. Charles, Louisiana 1 $ 121,000 $ 121,000 $ 0
Tangipahoa, Louisiana 1 $ 76,000 $ 76,000 $ 0
Cumberland, Maine 1 $ 262,000 $ 262,000 $ 138,000
Allegany, Maryland 1 $ 77,000 $ 77,000 $ 0
Cecil, Maryland 1 $ 73,000 $ 73,000 $ 0
Harford, Maryland 1 $ 144,000 $ 144,000 $ 111,000
St. Mary's, Maryland 1 $ 88,000 $ 88,000 $ 96,000
Talbot, Maryland 1 $ 910,000 $ 910,000 $ 270,000
Wicomico, Maryland 1 $ 195,000 $ 195,000 $ 45,000
Hampshire, Massachusetts 1 $ 142,000 $ 142,000 $ 75,000
Nantucket, Massachusetts 1 $ 504,000 $ 504,000 $ 187,000
Plymouth, Massachusetts 1 $ 166,000 $ 166,000 $ 37,000
Eaton, Michigan 1 $ 156,000 $ 156,000 $ 0
Jackson, Michigan 1 $ 122,000 $ 122,000 $ 37,000
Macomb, Michigan 1 $ 150,000 $ 150,000 $ 42,000
Muskegon, Michigan 1 $ 72,000 $ 72,000 $ 0
Crow Wing, Minnesota 1 $ 176,000 $ 176,000 $ 0
Hennepin, Minnesota 1 $ 182,000 $ 182,000 $ 0
Olmsted, Minnesota 1 $ 125,000 $ 125,000 $ 69,000
Clay, Mississippi 1 $ 146,000 $ 146,000 $ 49,000
Forrest, Mississippi 1 $ 139,000 $ 139,000 $ 62,000
Jones, Mississippi 1 $ 81,000 $ 81,000 $ 0
Lafayette, Mississippi 1 $ 84,000 $ 84,000 $ 65,000
Lee, Mississippi 1 $ 82,000 $ 82,000 $ 0
Neshoba, Mississippi 1 $ 105,000 $ 105,000 $ 0
Perry, Mississippi 1 $ 100,000 $ 100,000 $ 44,000
Simpson, Mississippi 1 $ 83,000 $ 83,000 $ 0
Warren, Mississippi 1 $ 91,000 $ 91,000 $ 0
Christian, Missouri 1 $ 83,000 $ 83,000 $ 0
Clay, Missouri 1 $ 229,000 $ 229,000 $ 157,000
Jefferson, Missouri 1 $ 104,000 $ 104,000 $ 98,000
St. Louis, Missouri 1 $ 108,000 $ 108,000 $ 45,000
Burt, Nebraska 1 $ 65,000 $ 65,000 $ 42,000
Carson City, Nevada 1 $ 213,000 $ 213,000 $ 120,000
Churchill, Nevada 1 $ 79,000 $ 79,000 $ 0
Douglas, Nevada 1 $ 199,000 $ 199,000 $ 108,000
Grafton, New Hampshire 1 $ 124,000 $ 124,000 $ 31,000
Hillsborough, New Hampshire 1 $ 232,000 $ 232,000 $ 0
Rockingham, New Hampshire 1 $ 280,000 $ 280,000 $ 91,000
Sandoval, New Mexico 1 $ 142,000 $ 142,000 $ 67,000
Bronx, New York 1 $ 194,000 $ 194,000 $ 0
Cattaraugus, New York 1 $ 55,000 $ 55,000 $ 45,000
Clinton, New York 1 $ 180,000 $ 180,000 $ 80,000
Cortland, New York 1 $ 72,000 $ 72,000 $ 0
Genesee, New York 1 $ 76,000 $ 76,000 $ 0
Rensselaer, New York 1 $ 79,000 $ 79,000 $ 0
Schenectady, New York 1 $ 144,000 $ 144,000 $ 89,000
St. Lawrence, New York 1 $ 85,000 $ 85,000 $ 0
Steuben, New York 1 $ 65,000 $ 65,000 $ 0
Tompkins, New York 1 $ 95,000 $ 95,000 $ 33,000
Ulster, New York 1 $ 92,000 $ 92,000 $ 63,000
Washington, New York 1 $ 64,000 $ 64,000 $ 0
Wayne, New York 1 $ 64,000 $ 64,000 $ 0
Buncombe, North Carolina 1 $ 83,000 $ 83,000 $ 0
Cabarrus, North Carolina 1 $ 209,000 $ 209,000 $ 95,000
Caldwell, North Carolina 1 $ 136,000 $ 136,000 $ 58,000
Catawba, North Carolina 1 $ 79,000 $ 79,000 $ 0
Davidson, North Carolina 1 $ 100,000 $ 100,000 $ 0
Davie, North Carolina 1 $ 111,000 $ 111,000 $ 33,000
Edgecombe, North Carolina 1 $ 92,000 $ 92,000 $ 0
Franklin, North Carolina 1 $ 103,000 $ 103,000 $ 0
Gaston, North Carolina 1 $ 98,000 $ 98,000 $ 19,000
Iredell, North Carolina 1 $ 115,000 $ 115,000 $ 68,000
Johnston, North Carolina 1 $ 114,000 $ 114,000 $ 73,000
Pamlico, North Carolina 1 $ 95,000 $ 95,000 $ 35,000
Pitt, North Carolina 1 $ 90,000 $ 90,000 $ 0
Randolph, North Carolina 1 $ 97,000 $ 97,000 $ 0
Stanly, North Carolina 1 $ 98,000 $ 98,000 $ 25,000
Stokes, North Carolina 1 $ 75,000 $ 75,000 $ 47,000
Tyrrell, North Carolina 1 $ 133,000 $ 133,000 $ 81,000
Vance, North Carolina 1 $ 86,000 $ 86,000 $ 0
Wilson, North Carolina 1 $ 90,000 $ 90,000 $ 0
Butler, Ohio 1 $ 92,000 $ 92,000 $ 0
Clark, Ohio 1 $ 71,000 $ 71,000 $ 0
Clermont, Ohio 1 $ 86,000 $ 86,000 $ 0
Clinton, Ohio 1 $ 111,000 $ 111,000 $ 42,000
Lake, Ohio 1 $ 97,000 $ 97,000 $ 0
Stark, Ohio 1 $ 77,000 $ 77,000 $ 0
Trumbull, Ohio 1 $ 65,000 $ 65,000 $ 26,000
Warren, Ohio 1 $ 235,000 $ 235,000 $ 92,000
Wood, Ohio 1 $ 86,000 $ 86,000 $ 0
Benton, Oregon 1 $ 190,000 $ 190,000 $ 65,000
Adams, Pennsylvania 1 $ 85,000 $ 85,000 $ 32,000
Blair, Pennsylvania 1 $ 140,000 $ 140,000 $ 230,000
Bucks, Pennsylvania 1 $ 141,000 $ 141,000 $ 51,000
Erie, Pennsylvania 1 $ 90,000 $ 90,000 $ 24,000
Lancaster, Pennsylvania 1 $ 111,000 $ 111,000 $ 37,000
Luzerne, Pennsylvania 1 $ 89,000 $ 89,000 $ 59,000
McKean, Pennsylvania 1 $ 75,000 $ 75,000 $ 99,000
Monroe, Pennsylvania 1 $ 122,000 $ 122,000 $ 34,000
Philadelphia, Pennsylvania 1 $ 245,000 $ 245,000 $ 87,000
Providence, Rhode Island 1 $ 366,000 $ 366,000 $ 130,000
Anderson, South Carolina 1 $ 210,000 $ 210,000 $ 56,000
Beaufort, South Carolina 1 $ 491,000 $ 491,000 $ 372,000
Florence, South Carolina 1 $ 334,000 $ 334,000 $ 338,000
Hampton, South Carolina 1 $ 142,000 $ 142,000 $ 42,000
Laurens, South Carolina 1 $ 77,000 $ 77,000 $ 95,000
Richland, South Carolina 1 $ 113,000 $ 113,000 $ 78,000
Minnehaha, South Dakota 1 $ 133,000 $ 133,000 $ 0
Benton, Tennessee 1 $ 256,000 $ 256,000 $ 98,000
Blount, Tennessee 1 $ 103,000 $ 103,000 $ 0
Dyer, Tennessee 1 $ 68,000 $ 68,000 $ 0
Knox, Tennessee 1 $ 101,000 $ 101,000 $ 0
Montgomery, Tennessee 1 $ 83,000 $ 83,000 $ 30,000
Bandera, Texas 1 $ 94,000 $ 94,000 $ 46,000
Hill, Texas 1 $ 93,000 $ 93,000 $ 43,000
Hunt, Texas 1 $ 41,000 $ 41,000 $ 41,000
Kendall, Texas 1 $ 111,000 $ 111,000 $ 50,000
McLennan, Texas 1 $ 60,000 $ 60,000 $ 53,000
Midland, Texas 1 $ 128,000 $ 128,000 $ 54,000
Montgomery, Texas 1 $ 88,000 $ 88,000 $ 60,000
Tyler, Texas 1 $ 61,000 $ 61,000 $ 43,000
Wise, Texas 1 $ 121,000 $ 121,000 $ 60,000
Davis, Utah 1 $ 98,000 $ 98,000 $ 240,000
Salt Lake, Utah 1 $ 178,000 $ 178,000 $ 87,000
Weber, Utah 1 $ 138,000 $ 138,000 $ 48,000
Washington, Vermont 1 $ 146,000 $ 146,000 $ 123,000
Bland, Virginia 1 $ 79,000 $ 79,000 $ 60,000
Buckingham, Virginia 1 $ 104,000 $ 104,000 $ 54,000
Charlotte, Virginia 1 $ 58,000 $ 58,000 $ 14,000
Craig, Virginia 1 $ 93,000 $ 93,000 $ 67,000
Danville, Virginia 1 $ 73,000 $ 73,000 $ 29,000
Essex, Virginia 1 $ 133,000 $ 133,000 $ 44,000
King and Queen, Virginia 1 $ 97,000 $ 97,000 $ 41,000
King George, Virginia 1 $ 138,000 $ 138,000 $ 54,000
Lexington, Virginia 1 $ 115,000 $ 115,000 $ 0
Martinsville, Virginia 1 $ 106,000 $ 106,000 $ 38,000
Middlesex, Virginia 1 $ 240,000 $ 240,000 $ 195,000
Poquoson, Virginia 1 $ 208,000 $ 208,000 $ 65,000
Portsmouth, Virginia 1 $ 93,000 $ 93,000 $ 46,000
Prince Edward, Virginia 1 $ 64,000 $ 64,000 $ 31,000
Rappahannock, Virginia 1 $ 116,000 $ 116,000 $ 130,000
Russell, Virginia 1 $ 79,000 $ 79,000 $ 30,000
Shenandoah, Virginia 1 $ 160,000 $ 160,000 $ 45,000
Smyth, Virginia 1 $ 63,000 $ 63,000 $ 24,000
Washington, Virginia 1 $ 69,000 $ 69,000 $ 18,000
York, Virginia 1 $ 85,000 $ 85,000 $ 0
Clallam, Washington 1 $ 118,000 $ 118,000 $ 76,000
Snohomish, Washington 1 $ 330,000 $ 330,000 $ 75,000
Cabell, West Virginia 1 $ 93,000 $ 93,000 $ 0
Greenbrier, West Virginia 1 $ 96,000 $ 96,000 $ 44,000
Mineral, West Virginia 1 $ 82,000 $ 82,000 $ 24,000
Raleigh, West Virginia 1 $ 81,000 $ 81,000 $ 0
Tucker, West Virginia 1 $ 87,000 $ 87,000 $ 100,000
Upshur, West Virginia 1 $ 234,000 $ 234,000 $ 102,000
Waukesha, Wisconsin 1 $ 314,000 $ 314,000 $ 108,000

Mortgage Loan Application Detail Totals for Access National Mortgage in 2004

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
Refinancing 1,973 $340,909,000 $149,214 $975,000 $43,261 $1,200,000
Home Purchase 1,808 $317,832,000 $189,731 $1,406,000 $99,609 $1,456,000
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 2,064 $365,928,000 $159,477 $1,406,000 $66,659 $1,456,000
Not Provided 666 $117,754,000 $178,645 $910,000 $70,870 $600,000
Black or African American 563 $88,342,000 $141,346 $680,000 $33,576 $378,000
Hispanic 391 $65,432,000 $154,350 $995,000 $52,200 $432,000
Asian 78 $18,441,000 $160,272 $962,000 $40,363 $582,000
American Indian or Alaskan Native 12 $1,516,000 $117,142 $319,000 $19,285 $87,000
Native Hawaiian or Other Pacific Islander 7 $1,328,000 $189,400 $386,000 $50,600 $119,000
Not applicable 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) 2,195 $466,764,000 $180,636 $1,406,000 $91,204 $1,456,000
FHA-insured (Federal Housing Administration) 1,443 $171,755,000 $112,272 $357,000 $16,242 $378,000
VA-guaranteed (Veterans Administration) 143 $20,222,000 $144,631 $335,000 $26,842 $120,000
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 3,200 $569,170,000 $170,695 $1,250,000 $67,630 $1,456,000
Application Approved But Not Accepted 195 $29,084,000 $140,461 $995,000 $40,615 $1,165,000
Application Denied By Financial Institution 191 $30,349,000 $162,000 $1,406,000 $69,391 $960,000
Application Withdrawn By Applicant 159 $25,678,000 $152,625 $910,000 $57,666 $1,200,000
File Closed For Incompleteness 35 $4,138,000 $112,272 $313,000 $55,090 $275,000
Loan Purchased By The Institution 1 $322,000 $322,000 $322,000 $430,000 $430,000
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
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
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
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Access National Mortgage's 2004 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 Mortgage'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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