Bank Of Clarke
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Bank Of Clarke 2021 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 | 514 |
| Total Mortgage Loan Application Amount | $159,560,000 |
| Average Mortgage Loan Application Amount | $249,000 |
| Highest Mortgage Loan Application Amount | $6,205,000 |
| Average Applicant Income | $142,200 |
| Highest Applicant Income | $1,632,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 166 | $ 37,390,000 | $ 225,000 | $ 110,000 |
| Loudoun County Virginia | 57 | $ 31,595,000 | $ 554,000 | $ 266,000 |
| Winchester County Virginia | 54 | $ 21,020,000 | $ 389,000 | $ 139,000 |
| Clarke County Virginia | 51 | $ 14,735,000 | $ 288,000 | $ 126,000 |
| Berkeley County West Virginia | 18 | $ 3,100,000 | $ 172,000 | $ 104,000 |
| Jefferson County West Virginia | 17 | $ 3,235,000 | $ 190,000 | $ 92,000 |
| Warren County Virginia | 16 | $ 3,290,000 | $ 205,000 | $ 199,000 |
| Washington County Maryland | 14 | $ 5,360,000 | $ 382,000 | $ 0 |
| Prince George's County Maryland | 9 | $ 1,125,000 | $ 125,000 | $ 0 |
| Fauquier County Virginia | 9 | $ 5,615,000 | $ 623,000 | $ 167,000 |
| Hampshire County West Virginia | 9 | $ 1,965,000 | $ 218,000 | $ 94,000 |
| Shenandoah County Virginia | 8 | $ 7,510,000 | $ 938,000 | $ 119,000 |
| Fairfax County Virginia | 6 | $ 3,410,000 | $ 568,000 | $ 557,000 |
| Charles County Maryland | 5 | $ 775,000 | $ 155,000 | $ 0 |
| District of Columbia County District Of Columbia | 3 | $ 5,975,000 | $ 1,991,000 | $ 66,000 |
| Dauphin County Pennsylvania | 3 | $ 655,000 | $ 218,000 | $ 0 |
| Spotsylvania County Virginia | 3 | $ 515,000 | $ 171,000 | $ 0 |
| Sussex County Delaware | 2 | $ 610,000 | $ 305,000 | $ 0 |
| Hillsborough County Florida | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Livingston County Louisiana | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Lee County Mississippi | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Morgan County West Virginia | 2 | $ 340,000 | $ 170,000 | $ 78,000 |
| Chilton County Alabama | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Cullman County Alabama | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Pickens County Alabama | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Benton County Arkansas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Cleveland County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Conway County Arkansas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Drew County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Hot Spring County Arkansas | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Lincoln County Arkansas | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Polk County Arkansas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Woodruff County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Escambia County Florida | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Lee County Florida | 1 | $ 65,000 | $ 65,000 | $ 250,000 |
| Manatee County Florida | 1 | $ 445,000 | $ 445,000 | $ 204,000 |
| Columbia County Georgia | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Glynn County Georgia | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Putnam County Georgia | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Randolph County Georgia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Ford County Kansas | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Caddo County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Caldwell County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| St. Helena County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| St. Landry County Louisiana | 1 | $ 25,000 | $ 25,000 | $ 0 |
| St. Martin County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Webster County Louisiana | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Baltimore County Maryland | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Frederick County Maryland | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Howard County Maryland | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Montgomery County Maryland | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Somerset County Maryland | 1 | $ 95,000 | $ 95,000 | $ 44,000 |
| Worcester County Maryland | 1 | $ 135,000 | $ 135,000 | $ 115,000 |
| Itawamba County Mississippi | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Jackson County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Pontotoc County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Smith County Mississippi | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Sunflower County Mississippi | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Tippah County Mississippi | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Atlantic County New Jersey | 1 | $ 125,000 | $ 125,000 | $ 244,000 |
| Brunswick County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 278,000 |
| Scotland County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 0 |
| McCurtain County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Muskogee County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Pawnee County Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Horry County South Carolina | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Colorado County Texas | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Harrison County Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Marion County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Rains County Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Titus County Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Arlington County Virginia | 1 | $ 115,000 | $ 115,000 | $ 442,000 |
| Harrisonburg County Virginia | 1 | $ 415,000 | $ 415,000 | $ 87,000 |
| Louisa County Virginia | 1 | $ 95,000 | $ 95,000 | $ 222,000 |
| Norfolk County Virginia | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Northumberland County Virginia | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Prince William County Virginia | 1 | $ 295,000 | $ 295,000 | $ 557,000 |
| Roanoke City County Virginia | 1 | $ 625,000 | $ 625,000 | $ 0 |
Mortgage Loan Application Detail Totals for Bank Of Clarke in 2021
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 | 216 | $67,520,000 | $312,000 | $3,285,000 | $182,000 | $1,632,000 |
| Refinancing | 171 | $63,765,000 | $372,000 | $6,205,000 | $157,000 | $1,099,000 |
| Cash-out Refinancing | 85 | $21,905,000 | $257,000 | $765,000 | $98,000 | $763,000 |
| Home Improvement | 22 | $2,940,000 | $133,000 | $705,000 | $181,000 | $875,000 |
| Other Purpose | 20 | $3,430,000 | $171,000 | $755,000 | $93,000 | $263,000 |
| 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 | 298 | $79,980,000 | $268,000 | $2,895,000 | $148,000 | $1,632,000 |
| Not applicable | 159 | $57,305,000 | $360,000 | $6,205,000 | $0 | $0 |
| Not Provided | 22 | $9,980,000 | $453,000 | $3,285,000 | $154,000 | $492,000 |
| Asian | 9 | $5,165,000 | $573,000 | $1,535,000 | $200,000 | $411,000 |
| Hispanic | 8 | $2,190,000 | $273,000 | $925,000 | $134,000 | $557,000 |
| Black or African American | 7 | $865,000 | $123,000 | $225,000 | $63,000 | $101,000 |
| American Indian or Alaskan Native | 7 | $2,515,000 | $359,000 | $485,000 | $101,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $700,000 | $350,000 | $535,000 | $140,000 | $220,000 |
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) | 514 | $159,560,000 | $310,000 | $6,205,000 | $148,000 | $1,632,000 |
| 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 | 313 | $101,285,000 | $323,000 | $6,205,000 | $172,000 | $1,448,000 |
| Application Denied By Financial Institution | 87 | $27,915,000 | $320,000 | $3,285,000 | $88,000 | $492,000 |
| Application Withdrawn By Applicant | 47 | $17,685,000 | $376,000 | $3,205,000 | $159,000 | $1,632,000 |
| Loan Purchased By The Institution | 45 | $5,945,000 | $132,000 | $355,000 | $0 | $0 |
| Application Approved But Not Accepted | 12 | $3,530,000 | $294,000 | $515,000 | $145,000 | $557,000 |
| File Closed For Incompleteness | 10 | $3,200,000 | $320,000 | $535,000 | $114,000 | $220,000 |
| 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 | 514 | $159,560,000 | $310,000 | $6,205,000 | $148,000 | $1,632,000 |
| 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 2021 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.
For a list of all lenders in Virginia, download the full spreadsheet
with aggregated HMDA statistics today.