Bank Of Clarke
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Bank Of Clarke 2020 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 | Bank Of Clarke 2 E Main Street Berryville, VA 22611 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 486 |
| Total Mortgage Loan Application Amount | $146,950,000 |
| Average Mortgage Loan Application Amount | $256,500 |
| Highest Mortgage Loan Application Amount | $9,005,000 |
| Average Applicant Income | $188,750 |
| Highest Applicant Income | $1,880,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Bank Of Clarke. 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 Bank Of Clarke's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Bank Of Clarke'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 Bank Of Clarke serves its applicants.
Each category highlights the total number of mortgage applications processed by Bank Of Clarke, 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 Bank Of Clarke's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Frederick County Virginia | 119 | $ 26,535,000 | $ 222,000 | $ 137,000 |
| Loudoun County Virginia | 55 | $ 31,345,000 | $ 569,000 | $ 273,000 |
| Clarke County Virginia | 44 | $ 13,760,000 | $ 312,000 | $ 158,000 |
| Winchester County Virginia | 37 | $ 8,625,000 | $ 233,000 | $ 146,000 |
| Warren County Virginia | 19 | $ 5,475,000 | $ 288,000 | $ 140,000 |
| Berkeley County West Virginia | 15 | $ 2,915,000 | $ 194,000 | $ 83,000 |
| Fairfax County Virginia | 9 | $ 9,705,000 | $ 1,078,000 | $ 438,000 |
| Fauquier County Virginia | 8 | $ 2,700,000 | $ 337,000 | $ 602,000 |
| Hampshire County West Virginia | 8 | $ 1,550,000 | $ 193,000 | $ 125,000 |
| Maricopa County Arizona | 6 | $ 1,880,000 | $ 313,000 | $ 303,000 |
| Santa Clara County California | 6 | $ 1,170,000 | $ 195,000 | $ 0 |
| Montgomery County Maryland | 6 | $ 1,700,000 | $ 283,000 | $ 69,000 |
| District of Columbia County District Of Columbia | 5 | $ 21,435,000 | $ 4,287,000 | $ 1,226,000 |
| Prince George's County Maryland | 5 | $ 895,000 | $ 179,000 | $ 0 |
| Los Angeles County California | 4 | $ 340,000 | $ 85,000 | $ 0 |
| San Diego County California | 4 | $ 510,000 | $ 127,000 | $ 0 |
| Pulaski County Arkansas | 3 | $ 305,000 | $ 101,000 | $ 0 |
| Riverside County California | 3 | $ 215,000 | $ 71,000 | $ 0 |
| Jefferson County West Virginia | 3 | $ 435,000 | $ 145,000 | $ 102,000 |
| Morgan County West Virginia | 3 | $ 495,000 | $ 165,000 | $ 48,000 |
| Tuscaloosa County Alabama | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Contra Costa County California | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Columbia County Florida | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Duval County Florida | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Levy County Florida | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Sabine County Louisiana | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Vermilion County Louisiana | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Hill County Texas | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Harrisonburg County Virginia | 2 | $ 780,000 | $ 390,000 | $ 0 |
| Shenandoah County Virginia | 2 | $ 170,000 | $ 85,000 | $ 76,000 |
| Spotsylvania County Virginia | 2 | $ 520,000 | $ 260,000 | $ 0 |
| Bibb County Alabama | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Blount County Alabama | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Elmore County Alabama | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Houston County Alabama | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Lee County Alabama | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Marengo County Alabama | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Marion County Alabama | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Morgan County Alabama | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Shelby County Alabama | 1 | $ 155,000 | $ 155,000 | $ 0 |
| St. Clair County Alabama | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Pinal County Arizona | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Clay County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Crawford County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Garland County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Hot Spring County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Jefferson County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Saline County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| White County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Alameda County California | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Amador County California | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Sacramento County California | 1 | $ 145,000 | $ 145,000 | $ 0 |
| San Bernardino County California | 1 | $ 75,000 | $ 75,000 | $ 0 |
| San Joaquin County California | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Ventura County California | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Yolo County California | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Bay County Florida | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Flagler County Florida | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Hillsborough County Florida | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Jefferson County Florida | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Manatee County Florida | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Marion County Florida | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Palm Beach County Florida | 1 | $ 395,000 | $ 395,000 | $ 281,000 |
| Pasco County Florida | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Pinellas County Florida | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Santa Rosa County Florida | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Suwannee County Florida | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Walton County Florida | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Banks County Georgia | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Burke County Georgia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Paulding County Georgia | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Bossier County Louisiana | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Caddo County Louisiana | 1 | $ 45,000 | $ 45,000 | $ 0 |
| East Carroll County Louisiana | 1 | $ 115,000 | $ 115,000 | $ 0 |
| East Feliciana County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Grant County Louisiana | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Rapides County Louisiana | 1 | $ 115,000 | $ 115,000 | $ 0 |
| St. Landry County Louisiana | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Tangipahoa County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Terrebonne County Louisiana | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Vernon County Louisiana | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Charles County Maryland | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Washington County Maryland | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Amite County Mississippi | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Lincoln County Mississippi | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Marshall County Mississippi | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Oktibbeha County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Rankin County Mississippi | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Tate County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Dallas County Missouri | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Atlantic County New Jersey | 1 | $ 145,000 | $ 145,000 | $ 1,274,000 |
| Rio Arriba County New Mexico | 1 | $ 65,000 | $ 65,000 | $ 0 |
| New York County New York | 1 | $ 505,000 | $ 505,000 | $ 1,274,000 |
| Davidson County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Sampson County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Creek County Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Delaware County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Haskell County Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Kiowa County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Lincoln County Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 0 |
| McCurtain County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Pittsburg County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Seminole County Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Tulsa County Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Clackamas County Oregon | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Jackson County Oregon | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Multnomah County Oregon | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Polk County Oregon | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Bucks County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 127,000 |
| Aiken County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Hampton County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Horry County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Laurens County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Lexington County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Loudon County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Atascosa County Texas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Bowie County Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Comanche County Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Liberty County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| McLennan County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Montgomery County Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Orange County Texas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Panola County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Randall County Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Rusk County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Tyler County Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Winkler County Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Arlington County Virginia | 1 | $ 705,000 | $ 705,000 | $ 205,000 |
| Manassas County Virginia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Prince William County Virginia | 1 | $ 115,000 | $ 115,000 | $ 452,000 |
| Rockingham County Virginia | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| Virginia Beach County Virginia | 1 | $ 345,000 | $ 345,000 | $ 205,000 |
| Pierce County Washington | 1 | $ 215,000 | $ 215,000 | $ 0 |
Mortgage Loan Application Detail Totals for Bank Of Clarke in 2020
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 | 230 | $69,530,000 | $302,000 | $9,005,000 | $222,000 | $1,460,000 |
| Refinancing | 207 | $67,375,000 | $325,000 | $5,855,000 | $170,000 | $1,880,000 |
| Other Purpose | 26 | $7,340,000 | $282,000 | $3,505,000 | $195,000 | $1,274,000 |
| Home Improvement | 23 | $2,705,000 | $117,000 | $505,000 | $168,000 | $609,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 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 | 258 | $77,180,000 | $299,000 | $3,065,000 | $171,000 | $1,880,000 |
| Not applicable | 200 | $55,900,000 | $279,000 | $9,005,000 | $0 | $0 |
| Not Provided | 11 | $7,195,000 | $654,000 | $3,505,000 | $506,000 | $1,274,000 |
| Black or African American | 6 | $650,000 | $108,000 | $155,000 | $82,000 | $126,000 |
| Hispanic | 6 | $1,640,000 | $273,000 | $405,000 | $90,000 | $196,000 |
| Asian | 4 | $3,890,000 | $972,000 | $2,255,000 | $381,000 | $1,005,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 486 | $146,950,000 | $302,000 | $9,005,000 | $184,000 | $1,880,000 |
| 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 |
| VA-guaranteed (Veterans Administration) | 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 | 269 | $108,205,000 | $402,000 | $9,005,000 | $210,000 | $1,880,000 |
| Loan Purchased By The Institution | 131 | $13,385,000 | $102,000 | $345,000 | $0 | $0 |
| Application Denied By Financial Institution | 32 | $7,540,000 | $235,000 | $855,000 | $124,000 | $1,460,000 |
| Application Withdrawn By Applicant | 29 | $7,515,000 | $259,000 | $845,000 | $99,000 | $303,000 |
| Application Approved But Not Accepted | 15 | $7,195,000 | $479,000 | $2,255,000 | $164,000 | $415,000 |
| File Closed For Incompleteness | 10 | $3,110,000 | $311,000 | $785,000 | $98,000 | $256,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 486 | $146,950,000 | $302,000 | $9,005,000 | $184,000 | $1,880,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank Of Clarke's 2020 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 Bank Of Clarke'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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with aggregated HMDA statistics today.