Burke & Herbert Bk & Tr Co Mortgage Lending & HMDA Data, 2024
In 2024, Burke & Herbert Bk & Tr Co of Alexandria, VA reported 723 mortgage applications totaling $219.1 million, up 200% from 2023. The average application was for $303,049, and applicants reported an average income of $173,905. 66% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Arlington-Alexandria-Reston, VA-WV (245), Charleston, WV (35) and Huntington-Ashland, WV-KY-OH (27) (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 | 723 |
| Total Mortgage Loan Application Amount | $219,105,000 |
| Average Mortgage Loan Application Amount | $303,049 |
| Highest Mortgage Loan Application Amount | $26,255,000 |
| Average Applicant Income | $173,905 |
| Highest Applicant Income | $1,977,000 |
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records Burke & Herbert Bk & Tr Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 106 | $ 31,550,000 | $ 297,641 | $ 201,000 |
| Mercer, West Virginia | 50 | $ 5,410,000 | $ 108,200 | $ 83,000 |
| Alexandria, Virginia | 37 | $ 14,005,000 | $ 378,513 | $ 224,000 |
| Kanawha, West Virginia | 33 | $ 8,445,000 | $ 255,909 | $ 320,000 |
| Prince William, Virginia | 28 | $ 8,060,000 | $ 287,857 | $ 177,000 |
| Loudoun, Virginia | 27 | $ 11,485,000 | $ 425,370 | $ 228,000 |
| Raleigh, West Virginia | 24 | $ 3,810,000 | $ 158,750 | $ 122,000 |
| Pendleton, West Virginia | 21 | $ 4,145,000 | $ 197,380 | $ 117,000 |
| Berkeley, West Virginia | 19 | $ 2,415,000 | $ 127,105 | $ 84,000 |
| Summers, West Virginia | 19 | $ 1,685,000 | $ 88,684 | $ 89,000 |
| Hardy, West Virginia | 18 | $ 1,510,000 | $ 83,888 | $ 84,000 |
| Wyoming, West Virginia | 17 | $ 1,355,000 | $ 79,705 | $ 77,000 |
| Arlington, Virginia | 15 | $ 5,635,000 | $ 375,666 | $ 271,000 |
| Cabell, West Virginia | 15 | $ 4,775,000 | $ 318,333 | $ 237,000 |
| Grant, West Virginia | 14 | $ 2,030,000 | $ 145,000 | $ 88,000 |
| District of Columbia, District Of Columbia | 11 | $ 6,125,000 | $ 556,818 | $ 341,000 |
| Montgomery, Maryland | 11 | $ 5,075,000 | $ 461,363 | $ 135,000 |
| Putnam, West Virginia | 11 | $ 2,215,000 | $ 201,363 | $ 255,000 |
| Rockingham, Virginia | 10 | $ 3,020,000 | $ 302,000 | $ 186,000 |
| Caroline, Maryland | 8 | $ 1,300,000 | $ 162,500 | $ 124,000 |
| Tazewell, Virginia | 8 | $ 930,000 | $ 116,250 | $ 119,000 |
| Monongalia, West Virginia | 8 | $ 11,510,000 | $ 1,438,750 | $ 269,000 |
| Pocahontas, West Virginia | 8 | $ 1,220,000 | $ 152,500 | $ 377,000 |
| Prince George's, Maryland | 7 | $ 2,595,000 | $ 370,714 | $ 206,000 |
| Falls Church, Virginia | 6 | $ 1,770,000 | $ 295,000 | $ 355,000 |
| Harrisonburg, Virginia | 6 | $ 1,550,000 | $ 258,333 | $ 136,000 |
| Highland, Virginia | 6 | $ 550,000 | $ 91,666 | $ 89,000 |
| Stafford, Virginia | 6 | $ 2,490,000 | $ 415,000 | $ 138,000 |
| Jefferson, West Virginia | 6 | $ 760,000 | $ 126,666 | $ 86,000 |
| Baltimore, Maryland | 5 | $ 1,615,000 | $ 323,000 | $ 94,000 |
| Fauquier, Virginia | 4 | $ 820,000 | $ 205,000 | $ 107,000 |
| Frederick, Virginia | 4 | $ 1,320,000 | $ 330,000 | $ 199,000 |
| Shenandoah, Virginia | 4 | $ 500,000 | $ 125,000 | $ 224,000 |
| Doddridge, West Virginia | 4 | $ 410,000 | $ 102,500 | $ 92,000 |
| Greenbrier, West Virginia | 4 | $ 420,000 | $ 105,000 | $ 104,000 |
| Harrison, West Virginia | 4 | $ 26,500,000 | $ 6,625,000 | $ 73,000 |
| Nicholas, West Virginia | 4 | $ 730,000 | $ 182,500 | $ 88,000 |
| Clark, Kentucky | 3 | $ 305,000 | $ 101,666 | $ 47,000 |
| Allegany, Maryland | 3 | $ 485,000 | $ 161,666 | $ 0 |
| Anne Arundel, Maryland | 3 | $ 1,125,000 | $ 375,000 | $ 113,000 |
| Baltimore City, Maryland | 3 | $ 855,000 | $ 285,000 | $ 75,000 |
| Dorchester, Maryland | 3 | $ 455,000 | $ 151,666 | $ 297,000 |
| Washington, Maryland | 3 | $ 255,000 | $ 85,000 | $ 143,000 |
| Albemarle, Virginia | 3 | $ 905,000 | $ 301,666 | $ 152,000 |
| Augusta, Virginia | 3 | $ 165,000 | $ 55,000 | $ 44,000 |
| Bath, Virginia | 3 | $ 515,000 | $ 171,666 | $ 126,000 |
| Fairfax City, Virginia | 3 | $ 1,175,000 | $ 391,666 | $ 277,000 |
| Montgomery, Virginia | 3 | $ 1,205,000 | $ 401,666 | $ 0 |
| Winchester, Virginia | 3 | $ 1,005,000 | $ 335,000 | $ 53,000 |
| Wythe, Virginia | 3 | $ 545,000 | $ 181,666 | $ 123,000 |
| Hampshire, West Virginia | 3 | $ 165,000 | $ 55,000 | $ 81,000 |
| Monroe, West Virginia | 3 | $ 425,000 | $ 141,666 | $ 76,000 |
| Kent, Delaware | 2 | $ 350,000 | $ 175,000 | $ 559,000 |
| Sarasota, Florida | 2 | $ 730,000 | $ 365,000 | $ 955,000 |
| Talbot, Maryland | 2 | $ 180,000 | $ 90,000 | $ 50,000 |
| York, South Carolina | 2 | $ 460,000 | $ 230,000 | $ 226,000 |
| Alleghany, Virginia | 2 | $ 160,000 | $ 80,000 | $ 64,000 |
| Fredericksburg, Virginia | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Richmond City, Virginia | 2 | $ 520,000 | $ 260,000 | $ 46,000 |
| Boone, West Virginia | 2 | $ 40,000 | $ 20,000 | $ 39,000 |
| Fayette, West Virginia | 2 | $ 320,000 | $ 160,000 | $ 235,000 |
| Lewis, West Virginia | 2 | $ 260,000 | $ 130,000 | $ 88,000 |
| Marion, West Virginia | 2 | $ 200,000 | $ 100,000 | $ 110,000 |
| Morgan, West Virginia | 2 | $ 230,000 | $ 115,000 | $ 76,000 |
| Brevard, Florida | 1 | $ 515,000 | $ 515,000 | $ 588,000 |
| Leon, Florida | 1 | $ 285,000 | $ 285,000 | $ 162,000 |
| Volusia, Florida | 1 | $ 85,000 | $ 85,000 | $ 118,000 |
| Winnebago, Illinois | 1 | $ 275,000 | $ 275,000 | $ 450,000 |
| Calvert, Maryland | 1 | $ 605,000 | $ 605,000 | $ 176,000 |
| Charles, Maryland | 1 | $ 445,000 | $ 445,000 | $ 106,000 |
| St. Mary's, Maryland | 1 | $ 325,000 | $ 325,000 | $ 420,000 |
| Worcester, Maryland | 1 | $ 515,000 | $ 515,000 | $ 202,000 |
| Brunswick, North Carolina | 1 | $ 585,000 | $ 585,000 | $ 330,000 |
| Carteret, North Carolina | 1 | $ 1,585,000 | $ 1,585,000 | $ 258,000 |
| Dare, North Carolina | 1 | $ 605,000 | $ 605,000 | $ 180,000 |
| Davidson, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 98,000 |
| Gaston, North Carolina | 1 | $ 235,000 | $ 235,000 | $ 86,000 |
| Gallia, Ohio | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Guernsey, Ohio | 1 | $ 205,000 | $ 205,000 | $ 73,000 |
| Charleston, South Carolina | 1 | $ 2,755,000 | $ 2,755,000 | $ 724,000 |
| Horry, South Carolina | 1 | $ 545,000 | $ 545,000 | $ 325,000 |
| Bedford, Virginia | 1 | $ 335,000 | $ 335,000 | $ 141,000 |
| Bland, Virginia | 1 | $ 55,000 | $ 55,000 | $ 46,000 |
| Caroline, Virginia | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Chesterfield, Virginia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Clarke, Virginia | 1 | $ 505,000 | $ 505,000 | $ 274,000 |
| Culpeper, Virginia | 1 | $ 805,000 | $ 805,000 | $ 255,000 |
| Gloucester, Virginia | 1 | $ 2,005,000 | $ 2,005,000 | $ 334,000 |
| Hanover, Virginia | 1 | $ 635,000 | $ 635,000 | $ 584,000 |
| Henrico, Virginia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Manassas, Virginia | 1 | $ 105,000 | $ 105,000 | $ 55,000 |
| Manassas Park, Virginia | 1 | $ 515,000 | $ 515,000 | $ 128,000 |
| Norfolk, Virginia | 1 | $ 195,000 | $ 195,000 | $ 275,000 |
| Orange, Virginia | 1 | $ 55,000 | $ 55,000 | $ 69,000 |
| Pulaski, Virginia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Radford, Virginia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Roanoke City, Virginia | 1 | $ 155,000 | $ 155,000 | $ 471,000 |
| Rockbridge, Virginia | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| Smyth, Virginia | 1 | $ 435,000 | $ 435,000 | $ 257,000 |
| Spotsylvania, Virginia | 1 | $ 475,000 | $ 475,000 | $ 364,000 |
| Washington, Virginia | 1 | $ 505,000 | $ 505,000 | $ 113,000 |
| Waynesboro, Virginia | 1 | $ 45,000 | $ 45,000 | $ 146,000 |
| Westmoreland, Virginia | 1 | $ 295,000 | $ 295,000 | $ 61,000 |
| Hancock, West Virginia | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Jackson, West Virginia | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Lincoln, West Virginia | 1 | $ 165,000 | $ 165,000 | $ 235,000 |
| Logan, West Virginia | 1 | $ 65,000 | $ 65,000 | $ 124,000 |
| Mason, West Virginia | 1 | $ 365,000 | $ 365,000 | $ 0 |
| McDowell, West Virginia | 1 | $ 75,000 | $ 75,000 | $ 64,000 |
| Mineral, West Virginia | 1 | $ 265,000 | $ 265,000 | $ 129,000 |
| Ritchie, West Virginia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Taylor, West Virginia | 1 | $ 185,000 | $ 185,000 | $ 56,000 |
| Tucker, West Virginia | 1 | $ 135,000 | $ 135,000 | $ 134,000 |
| Wayne, West Virginia | 1 | $ 805,000 | $ 805,000 | $ 0 |
Mortgage Loan Application Detail Totals for Burke & Herbert Bk & Tr Co in 2024
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 | 313 | $110,115,000 | $351,000 | $2,755,000 | $192,000 | $1,977,000 |
| Other Purpose | 186 | $33,540,000 | $180,000 | $1,505,000 | $166,000 | $1,168,000 |
| Home Improvement | 114 | $12,500,000 | $109,000 | $805,000 | $143,000 | $1,020,000 |
| Refinancing | 74 | $50,680,000 | $684,000 | $26,255,000 | $158,000 | $1,414,000 |
| Cash-out Refinancing | 36 | $12,270,000 | $340,000 | $2,005,000 | $188,000 | $955,000 |
| 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 | 384 | $87,210,000 | $227,000 | $2,755,000 | $162,000 | $1,977,000 |
| Not Provided | 207 | $78,425,000 | $378,000 | $26,255,000 | $199,000 | $1,168,000 |
| Not applicable | 47 | $21,095,000 | $448,000 | $9,055,000 | $0 | $0 |
| Hispanic | 41 | $13,615,000 | $332,000 | $695,000 | $149,000 | $568,000 |
| Asian | 21 | $10,115,000 | $481,000 | $1,195,000 | $200,000 | $547,000 |
| Black or African American | 21 | $8,365,000 | $398,000 | $1,265,000 | $157,000 | $512,000 |
| American Indian or Alaskan Native | 2 | $280,000 | $140,000 | $205,000 | $138,000 | $210,000 |
| 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) | 722 | $218,840,000 | $303,000 | $26,255,000 | $173,000 | $1,977,000 |
| FHA-insured (Federal Housing Administration) | 1 | $265,000 | $265,000 | $265,000 | $55,000 | $55,000 |
| 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 | 480 | $162,180,000 | $337,000 | $26,255,000 | $196,000 | $1,977,000 |
| Application Denied By Financial Institution | 91 | $14,375,000 | $157,000 | $1,005,000 | $95,000 | $1,020,000 |
| Application Withdrawn By Applicant | 89 | $23,025,000 | $258,000 | $1,505,000 | $133,000 | $670,000 |
| File Closed For Incompleteness | 37 | $10,825,000 | $292,000 | $2,005,000 | $174,000 | $1,168,000 |
| Application Approved But Not Accepted | 25 | $8,125,000 | $325,000 | $1,075,000 | $196,000 | $1,057,000 |
| Loan Purchased By The Institution | 1 | $575,000 | $575,000 | $575,000 | $123,000 | $123,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 632 | $204,730,000 | $323,000 | $26,255,000 | $185,000 | $1,977,000 |
| Debt-To-Income Ratio | 46 | $7,390,000 | $160,000 | $805,000 | $75,000 | $329,000 |
| Credit History | 35 | $4,075,000 | $116,000 | $805,000 | $115,000 | $1,020,000 |
| Other | 4 | $1,730,000 | $432,000 | $1,005,000 | $112,000 | $329,000 |
| Collateral | 3 | $135,000 | $45,000 | $65,000 | $67,000 | $88,000 |
| Credit Application Incomplete | 1 | $255,000 | $255,000 | $255,000 | $400,000 | $400,000 |
| Unverifiable Information | 1 | $395,000 | $395,000 | $395,000 | $0 | $0 |
| Employment History | 1 | $395,000 | $395,000 | $395,000 | $97,000 | $97,000 |
| 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 Burke & Herbert Bk & Tr Co's 2024 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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