Bank Of The James
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Bank Of The James 2019 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 The James 828 Main Street Lynchburg, VA 24504 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 | 155 |
| Total Mortgage Loan Application Amount | $37,545,000 |
| Average Mortgage Loan Application Amount | $179,000 |
| Highest Mortgage Loan Application Amount | $4,755,000 |
| Average Applicant Income | $94,500 |
| Highest Applicant Income | $338,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Bank Of The James. 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 The James's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Bank Of The James'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 The James serves its applicants.
Each category highlights the total number of mortgage applications processed by Bank Of The James, 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 The James's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lynchburg County Virginia | 34 | $ 5,420,000 | $ 159,000 | $ 99,000 |
| Bedford County Virginia | 29 | $ 7,315,000 | $ 252,000 | $ 102,000 |
| Amherst County Virginia | 25 | $ 3,125,000 | $ 125,000 | $ 80,000 |
| Campbell County Virginia | 20 | $ 4,840,000 | $ 242,000 | $ 79,000 |
| Roanoke City County Virginia | 5 | $ 655,000 | $ 131,000 | $ 0 |
| Rockbridge County Virginia | 5 | $ 2,405,000 | $ 481,000 | $ 111,000 |
| Albemarle County Virginia | 4 | $ 1,280,000 | $ 320,000 | $ 156,000 |
| Appomattox County Virginia | 3 | $ 295,000 | $ 98,000 | $ 21,000 |
| Charlottesville County Virginia | 3 | $ 965,000 | $ 321,000 | $ 196,000 |
| Pittsylvania County Virginia | 3 | $ 1,675,000 | $ 558,000 | $ 39,000 |
| Roanoke County Virginia | 3 | $ 375,000 | $ 125,000 | $ 0 |
| Greene County Virginia | 2 | $ 220,000 | $ 110,000 | $ 107,000 |
| Nelson County Virginia | 2 | $ 60,000 | $ 30,000 | $ 98,000 |
| Staunton County Virginia | 2 | $ 4,860,000 | $ 2,430,000 | $ 0 |
| Augusta County Virginia | 1 | $ 65,000 | $ 65,000 | $ 109,000 |
| Bath County Virginia | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Buckingham County Virginia | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Halifax County Virginia | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Harrisonburg County Virginia | 1 | $ 1,345,000 | $ 1,345,000 | $ 0 |
| Henry County Virginia | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Lexington County Virginia | 1 | $ 75,000 | $ 75,000 | $ 268,000 |
| Louisa County Virginia | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Lunenburg County Virginia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Poquoson County Virginia | 1 | $ 95,000 | $ 95,000 | $ 41,000 |
| Powhatan County Virginia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Pulaski County Virginia | 1 | $ 65,000 | $ 65,000 | $ 25,000 |
| Rockingham County Virginia | 1 | $ 205,000 | $ 205,000 | $ 91,000 |
Mortgage Loan Application Detail Totals for Bank Of The James in 2019
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 | 78 | $24,140,000 | $309,000 | $4,755,000 | $91,000 | $313,000 |
| Home Purchase | 44 | $10,740,000 | $244,000 | $1,345,000 | $126,000 | $338,000 |
| Home Improvement | 20 | $1,540,000 | $77,000 | $265,000 | $69,000 | $152,000 |
| Other Purpose | 13 | $1,125,000 | $86,000 | $305,000 | $92,000 | $182,000 |
| 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 | 102 | $16,930,000 | $165,000 | $935,000 | $96,000 | $338,000 |
| Not applicable | 40 | $19,710,000 | $492,000 | $4,755,000 | $0 | $0 |
| Black or African American | 11 | $715,000 | $65,000 | $255,000 | $76,000 | $152,000 |
| Asian | 1 | $75,000 | $75,000 | $75,000 | $268,000 | $268,000 |
| Not Provided | 1 | $115,000 | $115,000 | $115,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 154 | $37,470,000 | $243,000 | $4,755,000 | $96,000 | $338,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $75,000 | $75,000 | $75,000 | $59,000 | $59,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 118 | $31,460,000 | $266,000 | $4,755,000 | $96,000 | $313,000 |
| Application Denied By Financial Institution | 16 | $1,650,000 | $103,000 | $265,000 | $50,000 | $109,000 |
| Application Approved But Not Accepted | 14 | $3,260,000 | $232,000 | $855,000 | $144,000 | $338,000 |
| Application Withdrawn By Applicant | 6 | $750,000 | $125,000 | $305,000 | $93,000 | $150,000 |
| File Closed For Incompleteness | 1 | $425,000 | $425,000 | $425,000 | $115,000 | $115,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 139 | $35,895,000 | $258,000 | $4,755,000 | $105,000 | $338,000 |
| Credit History | 9 | $1,125,000 | $125,000 | $265,000 | $47,000 | $94,000 |
| Debt-To-Income Ratio | 5 | $425,000 | $85,000 | $205,000 | $41,000 | $91,000 |
| Collateral | 2 | $100,000 | $50,000 | $65,000 | $87,000 | $109,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank Of The James's 2019 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 The James'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.