Blue Ridge Bank Mortgage Lending & HMDA Data, 2021
In 2021, Blue Ridge Bank of Luray, VA reported 5,906 mortgage applications totaling $1.5 billion, up 6% from 2020. The average application was for $261,664, and applicants reported an average income of $107,752. 85% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Virginia Beach-Norfolk-Newport News, VA-NC (1,087), Washington-Arlington-Alexandria, DC-VA-MD-WV (443) and Richmond, VA (226) (applications in parentheses).
| Mortgage Company & Address | Blue Ridge Bank P.O. Box 609, 17 West Main St Luray, VA 22835 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 |
| Total Number of Mortgage Applications | 5,906 |
| Total Mortgage Loan Application Amount | $1,545,390,000 |
| Average Mortgage Loan Application Amount | $261,664 |
| Highest Mortgage Loan Application Amount | $4,865,000 |
| Average Applicant Income | $107,752 |
| Highest Applicant Income | $2,332,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Blue Ridge Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 1,299 | $ 281,355,000 | $ 216,593 | $ 94,723 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1,087 | $ 246,335,000 | $ 226,619 | $ 92,309 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 443 | $ 178,805,000 | $ 403,623 | $ 131,832 |
| Richmond, VA | 226 | $ 70,810,000 | $ 313,318 | $ 149,000 |
| Charlotte-Concord-Gastonia, NC-SC | 208 | $ 57,110,000 | $ 274,567 | $ 110,043 |
| Indianapolis-Carmel-Anderson, IN | 177 | $ 38,495,000 | $ 217,485 | $ 101,000 |
| Salt Lake City, UT | 152 | $ 33,780,000 | $ 222,236 | $ 82,000 |
| Winston-Salem, NC | 147 | $ 29,075,000 | $ 197,789 | $ 79,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 130 | $ 33,060,000 | $ 254,307 | $ 114,107 |
| Greensboro-High Point, NC | 114 | $ 25,280,000 | $ 221,754 | $ 98,000 |
| Raleigh, NC | 113 | $ 30,725,000 | $ 271,902 | $ 110,000 |
| Wilmington, NC | 89 | $ 24,955,000 | $ 280,393 | $ 108,000 |
| Asheville, NC | 88 | $ 25,380,000 | $ 288,409 | $ 103,000 |
| Durham-Chapel Hill, NC | 81 | $ 23,405,000 | $ 288,950 | $ 109,000 |
| Montgomery County-Bucks County-Chester County, PA | 79 | $ 22,555,000 | $ 285,506 | $ 137,000 |
| Fayetteville, NC | 72 | $ 16,830,000 | $ 233,750 | $ 95,000 |
| Houston-The Woodlands-Sugar Land, TX | 68 | $ 14,620,000 | $ 215,000 | $ 95,000 |
| Oklahoma City, OK | 68 | $ 18,430,000 | $ 271,029 | $ 153,000 |
| Charlottesville, VA | 64 | $ 21,700,000 | $ 339,062 | $ 119,000 |
| Columbia, SC | 64 | $ 13,880,000 | $ 216,875 | $ 106,000 |
| Washington-Baltimore-Arlington, DC | 53 | $ 24,115,000 | $ 455,000 | $ 176,000 |
| Baltimore-Columbia-Towson, MD | 51 | $ 18,465,000 | $ 362,058 | $ 123,000 |
| St. George, UT | 50 | $ 10,160,000 | $ 203,200 | $ 65,000 |
| Greenville-Anderson-Mauldin, SC | 49 | $ 12,865,000 | $ 262,551 | $ 107,000 |
| Hagerstown-Martinsburg, MD-WV | 47 | $ 10,805,000 | $ 229,893 | $ 102,425 |
| Roanoke, VA | 45 | $ 9,375,000 | $ 208,333 | $ 76,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 40 | $ 32,570,000 | $ 814,250 | $ 257,000 |
| Lynchburg, VA | 37 | $ 7,315,000 | $ 197,702 | $ 74,000 |
| Spartanburg, SC | 32 | $ 6,170,000 | $ 192,812 | $ 73,000 |
| Atlanta-Sandy Springs-Roswell, GA | 27 | $ 9,445,000 | $ 349,814 | $ 200,000 |
| Winchester, VA-WV | 26 | $ 7,420,000 | $ 285,384 | $ 127,884 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 24 | $ 7,010,000 | $ 292,083 | $ 93,000 |
| Jackson, MS | 23 | $ 3,295,000 | $ 143,260 | $ 64,000 |
| Reading, PA | 23 | $ 4,475,000 | $ 194,565 | $ 116,000 |
| Harrisonburg, VA | 21 | $ 5,365,000 | $ 255,476 | $ 88,000 |
| Charleston-North Charleston, SC | 19 | $ 7,395,000 | $ 389,210 | $ 131,000 |
| Jacksonville, NC | 19 | $ 5,825,000 | $ 306,578 | $ 144,000 |
| Lake County-Kenosha County, IL-WI | 18 | $ 3,380,000 | $ 187,777 | $ 89,000 |
| North Port-Sarasota-Bradenton, FL | 17 | $ 5,465,000 | $ 321,470 | $ 138,000 |
| Tampa-St. Petersburg-Clearwater, FL | 15 | $ 5,905,000 | $ 393,666 | $ 436,000 |
| Fort Wayne, IN | 14 | $ 3,390,000 | $ 242,142 | $ 73,000 |
| Hickory-Lenoir-Morganton, NC | 14 | $ 3,860,000 | $ 275,714 | $ 110,000 |
| Nassau County-Suffolk County, NY | 14 | $ 10,040,000 | $ 717,142 | $ 231,000 |
| Orlando-Kissimmee-Sanford, FL | 14 | $ 3,810,000 | $ 272,142 | $ 91,000 |
| Savannah, GA | 14 | $ 4,060,000 | $ 290,000 | $ 109,000 |
| Pittsburgh, PA | 13 | $ 2,935,000 | $ 225,769 | $ 170,000 |
| Augusta-Richmond County, GA-SC | 12 | $ 3,350,000 | $ 279,166 | $ 101,000 |
| Birmingham-Hoover, AL | 12 | $ 2,400,000 | $ 200,000 | $ 81,000 |
| Lancaster, PA | 12 | $ 2,380,000 | $ 198,333 | $ 104,000 |
| Blacksburg-Christiansburg-Radford, VA | 11 | $ 2,155,000 | $ 195,909 | $ 94,000 |
| Burlington, NC | 11 | $ 2,505,000 | $ 227,727 | $ 97,000 |
| Staunton-Waynesboro, VA | 11 | $ 2,825,000 | $ 256,818 | $ 95,000 |
| Clarksville, TN-KY | 10 | $ 1,660,000 | $ 166,000 | $ 59,700 |
| Terre Haute, IN | 10 | $ 1,700,000 | $ 170,000 | $ 78,000 |
| Chicago-Naperville, IL | 9 | $ 3,215,000 | $ 357,222 | $ 129,000 |
| New York-Newark, NY | 9 | $ 3,175,000 | $ 352,777 | $ 168,333 |
| Providence-Warwick, RI-MA | 9 | $ 4,125,000 | $ 458,333 | $ 290,333 |
| Tallahassee, FL | 9 | $ 2,215,000 | $ 246,111 | $ 63,000 |
| Brunswick, GA | 7 | $ 1,115,000 | $ 159,285 | $ 59,000 |
| Camden, NJ | 7 | $ 1,595,000 | $ 227,857 | $ 144,000 |
| Greenville, NC | 7 | $ 1,955,000 | $ 279,285 | $ 98,000 |
| Philadelphia, PA | 7 | $ 1,565,000 | $ 223,571 | $ 122,000 |
| Rocky Mount, NC | 7 | $ 1,115,000 | $ 159,285 | $ 60,000 |
| Valdosta, GA | 7 | $ 985,000 | $ 140,714 | $ 59,000 |
| Anniston-Oxford-Jacksonville, AL | 6 | $ 930,000 | $ 155,000 | $ 69,000 |
| Cambridge-Newton-Framingham, MA | 6 | $ 1,780,000 | $ 296,666 | $ 126,000 |
| Chattanooga, TN-GA | 6 | $ 1,480,000 | $ 246,666 | $ 156,666 |
| Columbus, OH | 6 | $ 1,410,000 | $ 235,000 | $ 102,000 |
| Goldsboro, NC | 6 | $ 1,890,000 | $ 315,000 | $ 80,000 |
| Hinesville, GA | 6 | $ 1,150,000 | $ 191,666 | $ 75,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 6 | $ 1,570,000 | $ 261,666 | $ 117,000 |
| New York-Jersey City-White Plains, NY-NJ | 6 | $ 4,660,000 | $ 776,666 | $ 357,666 |
| Ogden-Clearfield, UT | 6 | $ 2,030,000 | $ 338,333 | $ 99,000 |
| Boston, MA | 5 | $ 2,145,000 | $ 429,000 | $ 101,000 |
| Harrisburg-Carlisle, PA | 5 | $ 1,055,000 | $ 211,000 | $ 126,000 |
| Racine, WI | 5 | $ 885,000 | $ 177,000 | $ 73,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 1,255,000 | $ 251,000 | $ 92,000 |
| San Antonio-New Braunfels, TX | 5 | $ 1,535,000 | $ 307,000 | $ 97,000 |
| San Diego-Carlsbad, CA | 5 | $ 1,985,000 | $ 397,000 | $ 156,000 |
| Beckley, WV | 4 | $ 530,000 | $ 132,500 | $ 63,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 1,400,000 | $ 350,000 | $ 78,000 |
| Gary, IN | 4 | $ 870,000 | $ 217,500 | $ 57,000 |
| Ocean City, NJ | 4 | $ 3,480,000 | $ 870,000 | $ 507,000 |
| Provo-Orem, UT | 4 | $ 1,820,000 | $ 455,000 | $ 146,000 |
| Salisbury, MD-DE | 4 | $ 1,570,000 | $ 392,500 | $ 273,000 |
| York-Hanover, PA | 4 | $ 890,000 | $ 222,500 | $ 141,000 |
| Albany, GA | 3 | $ 1,075,000 | $ 358,333 | $ 111,000 |
| Daphne-Fairhope-Foley, AL | 3 | $ 1,035,000 | $ 345,000 | $ 103,000 |
| Huntsville, AL | 3 | $ 585,000 | $ 195,000 | $ 550,000 |
| Janesville-Beloit, WI | 3 | $ 285,000 | $ 95,000 | $ 31,000 |
| Kansas City, MO-KS | 3 | $ 665,000 | $ 221,666 | $ 91,333 |
| Memphis, TN-MS-AR | 3 | $ 765,000 | $ 255,000 | $ 62,333 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 785,000 | $ 261,666 | $ 67,000 |
| Morgantown, WV | 3 | $ 425,000 | $ 141,666 | $ 136,000 |
| Newark, NJ-PA | 3 | $ 1,055,000 | $ 351,666 | $ 128,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 1,615,000 | $ 538,333 | $ 217,333 |
| Sumter, SC | 3 | $ 915,000 | $ 305,000 | $ 100,000 |
| Wausau, WI | 3 | $ 525,000 | $ 175,000 | $ 75,000 |
| Williamsport, PA | 3 | $ 625,000 | $ 208,333 | $ 76,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 300,000 | $ 150,000 | $ 120,000 |
| Chambersburg-Waynesboro, PA | 2 | $ 360,000 | $ 180,000 | $ 56,000 |
| Cleveland-Elyria, OH | 2 | $ 320,000 | $ 160,000 | $ 134,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 1,650,000 | $ 825,000 | $ 296,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 280,000 | $ 140,000 | $ 123,000 |
| Fort Worth-Arlington, TX | 2 | $ 610,000 | $ 305,000 | $ 104,000 |
| Fresno, CA | 2 | $ 480,000 | $ 240,000 | $ 57,000 |
| Gainesville, FL | 2 | $ 360,000 | $ 180,000 | $ 41,000 |
| Jacksonville, FL | 2 | $ 470,000 | $ 235,000 | $ 122,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 540,000 | $ 270,000 | $ 137,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 470,000 | $ 235,000 | $ 70,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 560,000 | $ 280,000 | $ 78,000 |
| Modesto, CA | 2 | $ 770,000 | $ 385,000 | $ 150,000 |
| New Bern, NC | 2 | $ 500,000 | $ 250,000 | $ 98,000 |
| New Orleans-Metairie, LA | 2 | $ 470,000 | $ 235,000 | $ 97,000 |
| Oshkosh-Neenah, WI | 2 | $ 430,000 | $ 215,000 | $ 85,000 |
| Portland-South Portland, ME | 2 | $ 820,000 | $ 410,000 | $ 90,000 |
| Punta Gorda, FL | 2 | $ 530,000 | $ 265,000 | $ 61,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 390,000 | $ 195,000 | $ 112,000 |
| Sebring, FL | 2 | $ 380,000 | $ 190,000 | $ 48,000 |
| State College, PA | 2 | $ 330,000 | $ 165,000 | $ 111,000 |
| Toledo, OH | 2 | $ 360,000 | $ 180,000 | $ 85,000 |
| Trenton, NJ | 2 | $ 290,000 | $ 145,000 | $ 48,000 |
| Warner Robins, GA | 2 | $ 360,000 | $ 180,000 | $ 117,000 |
| Albuquerque, NM | 1 | $ 165,000 | $ 165,000 | $ 169,000 |
| Appleton, WI | 1 | $ 145,000 | $ 145,000 | $ 56,000 |
| Bakersfield, CA | 1 | $ 315,000 | $ 315,000 | $ 139,000 |
| Barnstable Town, MA | 1 | $ 465,000 | $ 465,000 | $ 105,000 |
| Bloomington, IN | 1 | $ 195,000 | $ 195,000 | $ 58,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 325,000 | $ 325,000 | $ 69,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 245,000 | $ 245,000 | $ 61,000 |
| Cedar Rapids, IA | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Charleston, WV | 1 | $ 365,000 | $ 365,000 | $ 257,000 |
| Colorado Springs, CO | 1 | $ 325,000 | $ 325,000 | $ 205,000 |
| Columbus, GA-AL | 1 | $ 135,000 | $ 135,000 | $ 33,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 385,000 | $ 385,000 | $ 106,000 |
| Dallas-Plano-Irving, TX | 1 | $ 1,195,000 | $ 1,195,000 | $ 329,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 355,000 | $ 355,000 | $ 268,000 |
| Dothan, AL | 1 | $ 145,000 | $ 145,000 | $ 62,000 |
| El Paso, TX | 1 | $ 105,000 | $ 105,000 | $ 97,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 165,000 | $ 165,000 | $ 58,000 |
| Florence, SC | 1 | $ 155,000 | $ 155,000 | $ 68,000 |
| Green Bay, WI | 1 | $ 285,000 | $ 285,000 | $ 107,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 165,000 | $ 165,000 | $ 151,000 |
| Idaho Falls, ID | 1 | $ 245,000 | $ 245,000 | $ 72,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Knoxville, TN | 1 | $ 195,000 | $ 195,000 | $ 36,000 |
| Lafayette-West Lafayette, IN | 1 | $ 225,000 | $ 225,000 | $ 177,000 |
| Lebanon, PA | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Lewiston-Auburn, ME | 1 | $ 165,000 | $ 165,000 | $ 107,000 |
| Logan, UT-ID | 1 | $ 395,000 | $ 395,000 | $ 120,000 |
| Macon-Bibb County, GA | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Madera, CA | 1 | $ 335,000 | $ 335,000 | $ 62,000 |
| Madison, WI | 1 | $ 295,000 | $ 295,000 | $ 82,000 |
| Manchester-Nashua, NH | 1 | $ 295,000 | $ 295,000 | $ 155,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 175,000 | $ 175,000 | $ 82,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 255,000 | $ 255,000 | $ 77,000 |
| New Haven-Milford, CT | 1 | $ 355,000 | $ 355,000 | $ 132,000 |
| Ocala, FL | 1 | $ 405,000 | $ 405,000 | $ 183,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 385,000 | $ 385,000 | $ 53,000 |
| Panama City, FL | 1 | $ 175,000 | $ 175,000 | $ 171,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 225,000 | $ 225,000 | $ 178,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 325,000 | $ 325,000 | $ 206,000 |
| Reno, NV | 1 | $ 375,000 | $ 375,000 | $ 67,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 545,000 | $ 545,000 | $ 177,000 |
| San Rafael, CA | 1 | $ 685,000 | $ 685,000 | $ 328,000 |
| Santa Fe, NM | 1 | $ 275,000 | $ 275,000 | $ 64,000 |
| Shreveport-Bossier City, LA | 1 | $ 205,000 | $ 205,000 | $ 51,000 |
| Springfield, MA | 1 | $ 325,000 | $ 325,000 | $ 120,000 |
| Tacoma-Lakewood, WA | 1 | $ 765,000 | $ 765,000 | $ 290,000 |
| The Villages, FL | 1 | $ 315,000 | $ 315,000 | $ 76,000 |
| Tulsa, OK | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Wilmington, DE-MD-NJ | 1 | $ 365,000 | $ 365,000 | $ 442,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 95,000 | $ 95,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for Blue Ridge Bank 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 | 2,876 | $797,130,000 | $277,000 | $4,865,000 | $103,000 | $1,470,000 |
| Refinancing | 1,549 | $398,335,000 | $257,000 | $2,705,000 | $124,000 | $2,332,000 |
| Cash-out Refinancing | 1,477 | $348,535,000 | $235,000 | $1,985,000 | $100,000 | $1,002,000 |
| Home Improvement | 4 | $1,390,000 | $347,000 | $1,005,000 | $95,000 | $161,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 3,959 | $1,012,885,000 | $255,000 | $4,865,000 | $110,000 | $2,332,000 |
| Black or African American | 800 | $196,670,000 | $245,000 | $1,725,000 | $92,000 | $951,000 |
| Not Provided | 538 | $155,930,000 | $289,000 | $1,685,000 | $124,000 | $2,174,000 |
| Hispanic | 233 | $56,665,000 | $243,000 | $735,000 | $90,000 | $540,000 |
| Asian | 226 | $73,400,000 | $324,000 | $2,175,000 | $107,000 | $730,000 |
| Not applicable | 99 | $34,925,000 | $352,000 | $3,765,000 | $0 | $0 |
| American Indian or Alaskan Native | 34 | $9,860,000 | $290,000 | $675,000 | $92,000 | $304,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,145,000 | $229,000 | $305,000 | $72,000 | $136,000 |
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) | 4,259 | $1,145,095,000 | $268,000 | $4,865,000 | $119,000 | $2,332,000 |
| FHA-insured (Federal Housing Administration) | 762 | $172,100,000 | $225,000 | $835,000 | $70,000 | $318,000 |
| VA-guaranteed (Veterans Administration) | 605 | $181,285,000 | $299,000 | $1,545,000 | $98,000 | $524,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 280 | $46,910,000 | $167,000 | $475,000 | $50,000 | $116,000 |
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 | 5,028 | $1,311,970,000 | $260,000 | $4,865,000 | $108,000 | $2,332,000 |
| Application Denied By Financial Institution | 463 | $117,245,000 | $253,000 | $1,725,000 | $94,000 | $1,050,000 |
| Application Withdrawn By Applicant | 352 | $99,910,000 | $283,000 | $4,725,000 | $113,000 | $885,000 |
| Application Approved But Not Accepted | 43 | $11,425,000 | $265,000 | $2,005,000 | $114,000 | $651,000 |
| File Closed For Incompleteness | 20 | $4,840,000 | $242,000 | $645,000 | $101,000 | $214,000 |
| 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 | 5,443 | $1,428,145,000 | $262,000 | $4,865,000 | $109,000 | $2,332,000 |
| Credit Application Incomplete | 221 | $56,905,000 | $257,000 | $1,725,000 | $105,000 | $1,050,000 |
| Debt-To-Income Ratio | 84 | $26,090,000 | $310,000 | $1,525,000 | $66,000 | $329,000 |
| Collateral | 60 | $13,210,000 | $220,000 | $1,005,000 | $102,000 | $803,000 |
| Credit History | 42 | $9,290,000 | $221,000 | $735,000 | $108,000 | $548,000 |
| Other | 34 | $6,310,000 | $185,000 | $525,000 | $76,000 | $199,000 |
| Employment History | 8 | $1,760,000 | $220,000 | $375,000 | $55,000 | $80,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $2,050,000 | $256,000 | $565,000 | $73,000 | $123,000 |
| Unverifiable Information | 6 | $1,630,000 | $271,000 | $435,000 | $62,000 | $97,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Blue Ridge Bank'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 Blue Ridge 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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