Burke & Herbert Bk & Tr Co Mortgage Lending & HMDA Data, 2005
In 2005, Burke & Herbert Bk & Tr Co of Alexandria, VA reported 466 mortgage applications totaling $140.4 million, up 15% from 2004. The average application was for $301,180, and applicants reported an average income of $133,976. 82% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Bethesda-Frederick-Gaithersburg, MD (7), Baltimore-Towson, MD (4) and Virginia Beach-Norfolk-Newport News, VA-NC (4) (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 | 466 |
| Total Mortgage Loan Application Amount | $140,350,000 |
| Average Mortgage Loan Application Amount | $301,180 |
| Highest Mortgage Loan Application Amount | $4,875,000 |
| Average Applicant Income | $133,976 |
| Highest Applicant Income | $6,396,000 |
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records Burke & Herbert Bk & Tr Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 191 | $ 56,411,000 | $ 295,345 | $ 130,000 |
| Alexandria, Virginia | 136 | $ 44,327,000 | $ 325,933 | $ 119,000 |
| Prince William, Virginia | 27 | $ 8,508,000 | $ 315,111 | $ 102,000 |
| Arlington, Virginia | 25 | $ 6,686,000 | $ 267,440 | $ 134,000 |
| Prince George's, Maryland | 14 | $ 4,138,000 | $ 295,571 | $ 98,000 |
| Stafford, Virginia | 10 | $ 1,536,000 | $ 153,600 | $ 131,000 |
| Montgomery, Maryland | 7 | $ 3,544,000 | $ 506,285 | $ 197,000 |
| Loudoun, Virginia | 6 | $ 2,204,000 | $ 367,333 | $ 145,000 |
| District of Columbia, District Of Columbia | 4 | $ 1,456,000 | $ 364,000 | $ 329,000 |
| Charles, Maryland | 3 | $ 465,000 | $ 155,000 | $ 89,000 |
| Fairfax City, Virginia | 3 | $ 621,000 | $ 207,000 | $ 97,000 |
| King George, Virginia | 3 | $ 454,000 | $ 151,333 | $ 61,000 |
| Anne Arundel, Maryland | 2 | $ 632,000 | $ 316,000 | $ 66,000 |
| Calvert, Maryland | 2 | $ 360,000 | $ 180,000 | $ 177,000 |
| Worcester, Maryland | 2 | $ 968,000 | $ 484,000 | $ 444,000 |
| Falls Church, Virginia | 2 | $ 874,000 | $ 437,000 | $ 125,000 |
| Fredericksburg, Virginia | 2 | $ 76,000 | $ 38,000 | $ 396,000 |
| Manassas, Virginia | 2 | $ 205,000 | $ 102,500 | $ 66,000 |
| Norfolk, Virginia | 2 | $ 525,000 | $ 262,500 | $ 0 |
| Williamsburg, Virginia | 2 | $ 202,000 | $ 101,000 | $ 211,000 |
| Sussex, Delaware | 1 | $ 100,000 | $ 100,000 | $ 53,000 |
| Pinellas, Florida | 1 | $ 4,000 | $ 4,000 | $ 45,000 |
| Harford, Maryland | 1 | $ 450,000 | $ 450,000 | $ 297,000 |
| Howard, Maryland | 1 | $ 534,000 | $ 534,000 | $ 0 |
| St. Mary's, Maryland | 1 | $ 500,000 | $ 500,000 | $ 168,000 |
| Talbot, Maryland | 1 | $ 768,000 | $ 768,000 | $ 152,000 |
| Culpeper, Virginia | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Fauquier, Virginia | 1 | $ 650,000 | $ 650,000 | $ 318,000 |
| Fluvanna, Virginia | 1 | $ 375,000 | $ 375,000 | $ 95,000 |
| Harrisonburg, Virginia | 1 | $ 175,000 | $ 175,000 | $ 336,000 |
| Henrico, Virginia | 1 | $ 164,000 | $ 164,000 | $ 97,000 |
| Manassas Park, Virginia | 1 | $ 214,000 | $ 214,000 | $ 288,000 |
| Rappahannock, Virginia | 1 | $ 1,185,000 | $ 1,185,000 | $ 518,000 |
| Roanoke City, Virginia | 1 | $ 140,000 | $ 140,000 | $ 150,000 |
| Rockbridge, Virginia | 1 | $ 90,000 | $ 90,000 | $ 375,000 |
| Spotsylvania, Virginia | 1 | $ 140,000 | $ 140,000 | $ 41,000 |
| Warren, Virginia | 1 | $ 60,000 | $ 60,000 | $ 26,000 |
| Westmoreland, Virginia | 1 | $ 65,000 | $ 65,000 | $ 51,000 |
| Berkeley, West Virginia | 1 | $ 104,000 | $ 104,000 | $ 74,000 |
| Jefferson, West Virginia | 1 | $ 250,000 | $ 250,000 | $ 242,000 |
| Pocahontas, West Virginia | 1 | $ 135,000 | $ 135,000 | $ 0 |
Mortgage Loan Application Detail Totals for Burke & Herbert Bk & Tr Co in 2005
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 | 199 | $59,810,000 | $270,500 | $4,875,000 | $173,000 | $6,396,000 |
| Home Purchase | 179 | $66,148,000 | $307,800 | $1,750,000 | $159,800 | $1,164,000 |
| Home Improvement | 88 | $14,392,000 | $110,750 | $800,000 | $120,000 | $600,000 |
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 | 291 | $80,641,000 | $192,000 | $1,360,000 | $153,833 | $1,164,000 |
| Asian | 47 | $22,958,000 | $496,666 | $4,875,000 | $244,333 | $6,396,000 |
| Not Provided | 44 | $12,132,000 | $307,333 | $940,000 | $119,666 | $600,000 |
| Not applicable | 33 | $10,459,000 | $280,000 | $1,500,000 | $333 | $108,000 |
| Black or African American | 25 | $6,914,000 | $299,000 | $630,000 | $123,500 | $300,000 |
| Hispanic | 24 | $6,562,000 | $277,500 | $1,600,000 | $86,500 | $1,300,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $350,000 | $350,000 | $350,000 | $250,000 | $250,000 |
| American Indian or Alaskan Native | 1 | $334,000 | $334,000 | $334,000 | $94,000 | $94,000 |
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) | 466 | $140,350,000 | $215,166 | $4,875,000 | $134,833 | $6,396,000 |
| 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 | 381 | $110,669,000 | $214,833 | $4,875,000 | $137,666 | $6,396,000 |
| Application Approved But Not Accepted | 34 | $11,891,000 | $333,000 | $1,150,000 | $104,500 | $530,000 |
| Application Denied By Financial Institution | 33 | $9,224,000 | $304,000 | $862,000 | $67,000 | $327,000 |
| Application Withdrawn By Applicant | 16 | $7,376,000 | $445,500 | $1,100,000 | $500,500 | $888,000 |
| File Closed For Incompleteness | 2 | $1,190,000 | $595,000 | $1,000,000 | $31,000 | $62,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 19 | $2,646,000 | $147,000 | $360,000 | $46,500 | $127,000 |
| Debt-To-Income Ratio | 5 | $3,209,000 | $623,000 | $862,000 | $157,000 | $327,000 |
| Other | 3 | $707,000 | $235,000 | $485,000 | $55,000 | $102,000 |
| Unverifiable Information | 2 | $665,000 | $332,500 | $525,000 | $20,500 | $41,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $827,000 | $413,000 | $522,000 | $73,000 | $85,000 |
| Collateral | 2 | $1,170,000 | $585,000 | $670,000 | $124,000 | $209,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Burke & Herbert Bk & Tr Co's 2005 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.
For a list of all lenders in Virginia, download the full spreadsheet
with aggregated HMDA statistics today.
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