Burke & Herbert Bk & Tr Co Mortgage Lending & HMDA Data, 2025
In 2025, Burke & Herbert Bk & Tr Co of Alexandria, VA reported 756 mortgage applications totaling $254.7 million, up 5% from 2024. The average application was for $336,944, and applicants reported an average income of $170,703. 68% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Arlington-Alexandria-Reston, VA-WV (240), Charleston, WV (38) and Huntington-Ashland, WV-KY-OH (33) (applications in parentheses).
| Mortgage Company & Address | Burke & Herbert Bk & Tr Co 100 S. Fairfax St Alexandria, VA 22315 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | 756 |
| Total Mortgage Loan Application Amount | $254,730,000 |
| Average Mortgage Loan Application Amount | $336,944 |
| Highest Mortgage Loan Application Amount | $16,525,000 |
| Average Applicant Income | $170,703 |
| Highest Applicant Income | $5,779,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Burke & Herbert Bk & Tr Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fairfax, Virginia | 111 | $ 34,525,000 | $ 311,036 | $ 179,000 |
| Mercer, West Virginia | 44 | $ 5,510,000 | $ 125,227 | $ 99,000 |
| Kanawha, West Virginia | 38 | $ 9,270,000 | $ 243,947 | $ 312,000 |
| Alexandria, Virginia | 33 | $ 18,145,000 | $ 549,848 | $ 455,000 |
| Prince William, Virginia | 33 | $ 10,845,000 | $ 328,636 | $ 123,000 |
| Grant, West Virginia | 22 | $ 1,790,000 | $ 81,363 | $ 80,000 |
| Summers, West Virginia | 22 | $ 1,660,000 | $ 75,454 | $ 89,000 |
| Berkeley, West Virginia | 20 | $ 2,600,000 | $ 130,000 | $ 114,000 |
| Cabell, West Virginia | 18 | $ 3,340,000 | $ 185,555 | $ 164,000 |
| Wyoming, West Virginia | 17 | $ 845,000 | $ 49,705 | $ 58,000 |
| Caroline, Maryland | 16 | $ 1,880,000 | $ 117,500 | $ 124,000 |
| Montgomery, Maryland | 15 | $ 11,995,000 | $ 799,666 | $ 382,000 |
| Loudoun, Virginia | 15 | $ 5,465,000 | $ 364,333 | $ 278,000 |
| Hardy, West Virginia | 15 | $ 4,445,000 | $ 296,333 | $ 172,000 |
| Clark, Kentucky | 13 | $ 1,455,000 | $ 111,923 | $ 84,000 |
| Prince George's, Maryland | 11 | $ 2,935,000 | $ 266,818 | $ 92,000 |
| Talbot, Maryland | 11 | $ 2,975,000 | $ 270,454 | $ 231,000 |
| Bath, Virginia | 11 | $ 1,385,000 | $ 125,909 | $ 78,000 |
| Greenbrier, West Virginia | 11 | $ 1,365,000 | $ 124,090 | $ 91,000 |
| Putnam, West Virginia | 11 | $ 1,435,000 | $ 130,454 | $ 165,000 |
| Baltimore, Maryland | 10 | $ 3,000,000 | $ 300,000 | $ 91,000 |
| Wythe, Virginia | 10 | $ 1,080,000 | $ 108,000 | $ 121,000 |
| Dorchester, Maryland | 9 | $ 1,265,000 | $ 140,555 | $ 102,000 |
| Rockingham, Virginia | 9 | $ 2,805,000 | $ 311,666 | $ 157,000 |
| Tazewell, Virginia | 9 | $ 1,335,000 | $ 148,333 | $ 124,000 |
| Monongalia, West Virginia | 9 | $ 9,075,000 | $ 1,008,333 | $ 0 |
| District of Columbia, District Of Columbia | 8 | $ 3,340,000 | $ 417,500 | $ 267,000 |
| Arlington, Virginia | 8 | $ 2,230,000 | $ 278,750 | $ 161,000 |
| Montgomery, Virginia | 8 | $ 1,410,000 | $ 176,250 | $ 111,000 |
| Stafford, Virginia | 8 | $ 3,340,000 | $ 417,500 | $ 170,000 |
| Raleigh, West Virginia | 8 | $ 1,530,000 | $ 191,250 | $ 139,000 |
| Sussex, Delaware | 7 | $ 3,265,000 | $ 466,428 | $ 296,000 |
| Fauquier, Virginia | 7 | $ 2,475,000 | $ 353,571 | $ 372,000 |
| Monroe, West Virginia | 7 | $ 1,065,000 | $ 152,142 | $ 95,000 |
| Pendleton, West Virginia | 7 | $ 645,000 | $ 92,142 | $ 64,000 |
| Frederick, Virginia | 6 | $ 980,000 | $ 163,333 | $ 161,000 |
| Manassas Park, Virginia | 6 | $ 2,600,000 | $ 433,333 | $ 141,000 |
| Anne Arundel, Maryland | 5 | $ 1,795,000 | $ 359,000 | $ 93,000 |
| Augusta, Virginia | 5 | $ 14,655,000 | $ 2,931,000 | $ 72,000 |
| Highland, Virginia | 5 | $ 585,000 | $ 117,000 | $ 73,000 |
| Spotsylvania, Virginia | 5 | $ 1,595,000 | $ 319,000 | $ 89,000 |
| Bland, Virginia | 4 | $ 380,000 | $ 95,000 | $ 69,000 |
| Fayette, West Virginia | 4 | $ 340,000 | $ 85,000 | $ 63,000 |
| Hampshire, West Virginia | 4 | $ 850,000 | $ 212,500 | $ 98,000 |
| Harrisonburg, Virginia | 3 | $ 1,075,000 | $ 358,333 | $ 82,000 |
| Manassas, Virginia | 3 | $ 1,265,000 | $ 421,666 | $ 197,000 |
| Northumberland, Virginia | 3 | $ 615,000 | $ 205,000 | $ 91,000 |
| Richmond City, Virginia | 3 | $ 4,665,000 | $ 1,555,000 | $ 140,000 |
| McDowell, West Virginia | 3 | $ 145,000 | $ 48,333 | $ 56,000 |
| Kent, Delaware | 2 | $ 700,000 | $ 350,000 | $ 430,000 |
| Baltimore City, Maryland | 2 | $ 670,000 | $ 335,000 | $ 58,000 |
| Carroll, Maryland | 2 | $ 760,000 | $ 380,000 | $ 76,000 |
| Howard, Maryland | 2 | $ 1,030,000 | $ 515,000 | $ 137,000 |
| Queen Anne's, Maryland | 2 | $ 290,000 | $ 145,000 | $ 162,000 |
| Somerset, Maryland | 2 | $ 110,000 | $ 55,000 | $ 99,000 |
| Washington, Maryland | 2 | $ 1,570,000 | $ 785,000 | $ 0 |
| Lawrence, Ohio | 2 | $ 200,000 | $ 100,000 | $ 107,000 |
| Unicoi, Tennessee | 2 | $ 100,000 | $ 50,000 | $ 59,000 |
| Culpeper, Virginia | 2 | $ 390,000 | $ 195,000 | $ 109,000 |
| Fairfax City, Virginia | 2 | $ 1,070,000 | $ 535,000 | $ 696,000 |
| Henrico, Virginia | 2 | $ 1,210,000 | $ 605,000 | $ 290,000 |
| Louisa, Virginia | 2 | $ 1,850,000 | $ 925,000 | $ 560,000 |
| Rappahannock, Virginia | 2 | $ 400,000 | $ 200,000 | $ 108,000 |
| Rockbridge, Virginia | 2 | $ 90,000 | $ 45,000 | $ 53,000 |
| Shenandoah, Virginia | 2 | $ 380,000 | $ 190,000 | $ 64,000 |
| Warren, Virginia | 2 | $ 410,000 | $ 205,000 | $ 74,000 |
| Doddridge, West Virginia | 2 | $ 320,000 | $ 160,000 | $ 69,000 |
| Jackson, West Virginia | 2 | $ 1,210,000 | $ 605,000 | $ 137,000 |
| Jefferson, West Virginia | 2 | $ 140,000 | $ 70,000 | $ 134,000 |
| Pocahontas, West Virginia | 2 | $ 90,000 | $ 45,000 | $ 108,000 |
| Randolph, West Virginia | 2 | $ 200,000 | $ 100,000 | $ 125,000 |
| Collier, Florida | 1 | $ 505,000 | $ 505,000 | $ 58,000 |
| Miami-Dade, Florida | 1 | $ 4,495,000 | $ 4,495,000 | $ 2,167,000 |
| Sarasota, Florida | 1 | $ 1,125,000 | $ 1,125,000 | $ 544,000 |
| Boyd, Kentucky | 1 | $ 185,000 | $ 185,000 | $ 188,000 |
| Fayette, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Madison, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Whitley, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Allegany, Maryland | 1 | $ 135,000 | $ 135,000 | $ 33,000 |
| Calvert, Maryland | 1 | $ 415,000 | $ 415,000 | $ 157,000 |
| Frederick, Maryland | 1 | $ 16,525,000 | $ 16,525,000 | $ 0 |
| St. Mary's, Maryland | 1 | $ 475,000 | $ 475,000 | $ 420,000 |
| Worcester, Maryland | 1 | $ 405,000 | $ 405,000 | $ 199,000 |
| Currituck, North Carolina | 1 | $ 775,000 | $ 775,000 | $ 588,000 |
| Guilford, North Carolina | 1 | $ 505,000 | $ 505,000 | $ 125,000 |
| Mecklenburg, North Carolina | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Pasquotank, North Carolina | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Licking, Ohio | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Westmoreland, Pennsylvania | 1 | $ 325,000 | $ 325,000 | $ 122,000 |
| Horry, South Carolina | 1 | $ 3,105,000 | $ 3,105,000 | $ 0 |
| Loudon, Tennessee | 1 | $ 285,000 | $ 285,000 | $ 133,000 |
| Buckingham, Virginia | 1 | $ 55,000 | $ 55,000 | $ 50,000 |
| Chesterfield, Virginia | 1 | $ 1,205,000 | $ 1,205,000 | $ 379,000 |
| Clarke, Virginia | 1 | $ 635,000 | $ 635,000 | $ 0 |
| Franklin, Virginia | 1 | $ 235,000 | $ 235,000 | $ 141,000 |
| Galax, Virginia | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Lancaster, Virginia | 1 | $ 255,000 | $ 255,000 | $ 127,000 |
| Newport News, Virginia | 1 | $ 12,925,000 | $ 12,925,000 | $ 0 |
| Powhatan, Virginia | 1 | $ 205,000 | $ 205,000 | $ 55,000 |
| Radford, Virginia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Roanoke, Virginia | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Smyth, Virginia | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Virginia Beach, Virginia | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Winchester, Virginia | 1 | $ 205,000 | $ 205,000 | $ 98,000 |
| Harrison, West Virginia | 1 | $ 105,000 | $ 105,000 | $ 214,000 |
| Lincoln, West Virginia | 1 | $ 35,000 | $ 35,000 | $ 54,000 |
| Mineral, West Virginia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Preston, West Virginia | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| Ritchie, West Virginia | 1 | $ 155,000 | $ 155,000 | $ 97,000 |
| Tyler, West Virginia | 1 | $ 115,000 | $ 115,000 | $ 62,000 |
| Upshur, West Virginia | 1 | $ 105,000 | $ 105,000 | $ 34,000 |
| Wayne, West Virginia | 1 | $ 25,000 | $ 25,000 | $ 470,000 |
Mortgage Loan Application Detail Totals for Burke & Herbert Bk & Tr Co in 2025
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 | 272 | $148,700,000 | $546,000 | $16,525,000 | $173,000 | $3,336,000 |
| Home Improvement | 204 | $32,370,000 | $158,000 | $855,000 | $161,000 | $1,022,000 |
| Other Purpose | 129 | $18,645,000 | $144,000 | $1,205,000 | $133,000 | $826,000 |
| Refinancing | 114 | $44,380,000 | $389,000 | $3,605,000 | $194,000 | $1,363,000 |
| Cash-out Refinancing | 37 | $10,635,000 | $287,000 | $2,005,000 | $267,000 | $5,779,000 |
| 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 | 443 | $95,295,000 | $215,000 | $2,005,000 | $168,000 | $5,779,000 |
| Not applicable | 101 | $86,815,000 | $859,000 | $16,525,000 | $0 | $0 |
| Not Provided | 78 | $25,410,000 | $325,000 | $4,495,000 | $220,000 | $2,167,000 |
| Hispanic | 62 | $23,440,000 | $378,000 | $4,905,000 | $149,000 | $3,336,000 |
| Asian | 36 | $14,100,000 | $391,000 | $1,405,000 | $167,000 | $696,000 |
| Black or African American | 33 | $9,455,000 | $286,000 | $935,000 | $125,000 | $288,000 |
| American Indian or Alaskan Native | 3 | $215,000 | $71,000 | $105,000 | $123,000 | $250,000 |
| 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) | 756 | $254,730,000 | $336,000 | $16,525,000 | $170,000 | $5,779,000 |
| 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 | 512 | $176,830,000 | $345,000 | $12,925,000 | $179,000 | $5,779,000 |
| Application Withdrawn By Applicant | 106 | $35,570,000 | $335,000 | $4,905,000 | $200,000 | $3,336,000 |
| Application Denied By Financial Institution | 99 | $16,525,000 | $166,000 | $1,405,000 | $100,000 | $586,000 |
| File Closed For Incompleteness | 26 | $4,430,000 | $170,000 | $665,000 | $144,000 | $525,000 |
| Application Approved But Not Accepted | 13 | $21,375,000 | $1,644,000 | $16,525,000 | $189,000 | $544,000 |
| 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 | 657 | $238,205,000 | $362,000 | $16,525,000 | $181,000 | $5,779,000 |
| Debt-To-Income Ratio | 44 | $6,990,000 | $158,000 | $855,000 | $73,000 | $399,000 |
| Credit History | 27 | $2,175,000 | $80,000 | $255,000 | $85,000 | $200,000 |
| Other | 13 | $3,965,000 | $305,000 | $1,405,000 | $115,000 | $220,000 |
| Collateral | 10 | $1,460,000 | $146,000 | $405,000 | $185,000 | $477,000 |
| Credit Application Incomplete | 4 | $830,000 | $207,000 | $625,000 | $125,000 | $193,000 |
| Employment History | 1 | $1,105,000 | $1,105,000 | $1,105,000 | $586,000 | $586,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Burke & Herbert Bk & Tr Co's 2025 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 Burke & Herbert Bk & Tr Co'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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