City Lending Inc. Mortgage Lending & HMDA Data, 2024
In 2024, City Lending Inc. of Vienna, VA reported 1,935 mortgage applications totaling $618.8 million. The average application was for $319,780, and applicants reported an average income of $93,730. 73% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Arlington-Alexandria-Reston, VA-WV (506), Washington, DC-MD (314) and Baltimore-Columbia-Towson, MD (271) (applications in parentheses).
| Mortgage Company & Address | City Lending Inc. 8150 Leesburg Pike Suite 405 Vienna, VA 22182 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2020 2019 2018 |
| Total Number of Mortgage Applications | 1,935 |
| Total Mortgage Loan Application Amount | $618,775,000 |
| Average Mortgage Loan Application Amount | $319,780 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $93,730 |
| Highest Applicant Income | $3,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records City Lending Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Arlington-Alexandria-Reston, VA-WV | 506 | $ 204,940,000 | $ 405,019 | $ 109,086 |
| Washington, DC-MD | 314 | $ 105,360,000 | $ 335,541 | $ 97,987 |
| Baltimore-Columbia-Towson, MD | 271 | $ 71,465,000 | $ 263,708 | $ 78,000 |
| Washington-Baltimore-Arlington, DC | 101 | $ 37,585,000 | $ 372,128 | $ 106,000 |
| Orlando-Kissimmee-Sanford, FL | 59 | $ 18,285,000 | $ 309,915 | $ 98,000 |
| Outside any metro area | 56 | $ 13,280,000 | $ 237,142 | $ 72,875 |
| Richmond, VA | 53 | $ 14,305,000 | $ 269,905 | $ 64,000 |
| Hagerstown-Martinsburg, MD-WV | 48 | $ 11,610,000 | $ 241,875 | $ 78,354 |
| Jacksonville, FL | 36 | $ 8,720,000 | $ 242,222 | $ 74,000 |
| Winchester, VA-WV | 35 | $ 11,475,000 | $ 327,857 | $ 101,000 |
| Houston-The Woodlands-Sugar Land, TX | 29 | $ 5,975,000 | $ 206,034 | $ 41,000 |
| Raleigh, NC | 23 | $ 6,095,000 | $ 265,000 | $ 73,000 |
| Tacoma-Lakewood, WA | 18 | $ 6,260,000 | $ 347,777 | $ 108,000 |
| Tampa, FL | 18 | $ 4,860,000 | $ 270,000 | $ 100,000 |
| Everett, WA | 16 | $ 8,610,000 | $ 538,125 | $ 201,000 |
| Lakeland-Winter Haven, FL | 14 | $ 3,080,000 | $ 220,000 | $ 108,000 |
| Ocala, FL | 13 | $ 2,515,000 | $ 193,461 | $ 69,000 |
| Seattle-Bellevue-Everett, WA | 13 | $ 5,865,000 | $ 451,153 | $ 124,000 |
| Indianapolis-Carmel-Anderson, IN | 12 | $ 1,540,000 | $ 128,333 | $ 24,000 |
| Hanford-Corcoran, CA | 11 | $ 2,145,000 | $ 195,000 | $ 18,000 |
| Miami-Miami Beach-Kendall, FL | 10 | $ 4,110,000 | $ 411,000 | $ 151,000 |
| Roanoke, VA | 10 | $ 2,410,000 | $ 241,000 | $ 315,000 |
| San Antonio-New Braunfels, TX | 10 | $ 1,680,000 | $ 168,000 | $ 102,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 9 | $ 2,305,000 | $ 256,111 | $ 78,000 |
| San Juan-Carolina-Caguas, PR | 9 | $ 1,995,000 | $ 221,666 | $ 73,000 |
| Wilmington, DE-MD-NJ | 9 | $ 2,715,000 | $ 301,666 | $ 117,000 |
| Chicago-Naperville, IL | 8 | $ 1,850,000 | $ 231,250 | $ 76,000 |
| Dallas-Plano-Irving, TX | 8 | $ 1,950,000 | $ 243,750 | $ 57,000 |
| Lexington Park, MD | 8 | $ 2,950,000 | $ 368,750 | $ 81,000 |
| Philadelphia, PA | 8 | $ 1,640,000 | $ 205,000 | $ 24,000 |
| Austin-Round Rock, TX | 7 | $ 1,465,000 | $ 209,285 | $ 113,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 6 | $ 1,950,000 | $ 325,000 | $ 0 |
| Bakersfield, CA | 5 | $ 795,000 | $ 159,000 | $ 0 |
| Camden, NJ | 5 | $ 1,015,000 | $ 203,000 | $ 59,000 |
| Charlottesville, VA | 5 | $ 1,485,000 | $ 297,000 | $ 72,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 1,675,000 | $ 335,000 | $ 146,000 |
| Fort Worth-Arlington, TX | 5 | $ 775,000 | $ 155,000 | $ 118,000 |
| Fresno, CA | 5 | $ 1,155,000 | $ 231,000 | $ 46,000 |
| St. Petersburg-Clearwater-Largo, FL | 5 | $ 1,085,000 | $ 217,000 | $ 15,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 1,210,000 | $ 302,500 | $ 112,000 |
| Denver-Aurora-Lakewood, CO | 4 | $ 1,000,000 | $ 250,000 | $ 0 |
| Dover, DE | 4 | $ 1,250,000 | $ 312,500 | $ 247,000 |
| Fayetteville, NC | 4 | $ 370,000 | $ 92,500 | $ 0 |
| Goldsboro, NC | 4 | $ 850,000 | $ 212,500 | $ 119,000 |
| Montgomery County-Bucks County-Chester County, PA | 4 | $ 1,260,000 | $ 315,000 | $ 68,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 710,000 | $ 177,500 | $ 0 |
| Provo-Orem, UT | 4 | $ 850,000 | $ 212,500 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 980,000 | $ 245,000 | $ 0 |
| San Diego-Carlsbad, CA | 4 | $ 1,600,000 | $ 400,000 | $ 515,000 |
| Trenton, NJ | 4 | $ 820,000 | $ 205,000 | $ 195,000 |
| Vallejo-Fairfield, CA | 4 | $ 1,420,000 | $ 355,000 | $ 0 |
| Visalia-Porterville, CA | 4 | $ 710,000 | $ 177,500 | $ 0 |
| Wenatchee, WA | 4 | $ 940,000 | $ 235,000 | $ 0 |
| Burlington, NC | 3 | $ 825,000 | $ 275,000 | $ 79,000 |
| Greensboro-High Point, NC | 3 | $ 575,000 | $ 191,666 | $ 59,000 |
| Killeen-Temple, TX | 3 | $ 345,000 | $ 115,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 975,000 | $ 325,000 | $ 35,000 |
| Modesto, CA | 3 | $ 1,165,000 | $ 388,333 | $ 254,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 625,000 | $ 208,333 | $ 17,000 |
| Spartanburg, SC | 3 | $ 775,000 | $ 258,333 | $ 110,000 |
| Stockton-Lodi, CA | 3 | $ 715,000 | $ 238,333 | $ 43,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 865,000 | $ 288,333 | $ 93,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 235,000 | $ 78,333 | $ 23,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 935,000 | $ 311,666 | $ 106,000 |
| Winston-Salem, NC | 3 | $ 545,000 | $ 181,666 | $ 248,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 690,000 | $ 345,000 | $ 34,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Chambersburg-Waynesboro, PA | 2 | $ 360,000 | $ 180,000 | $ 133,000 |
| Clarksville, TN-KY | 2 | $ 520,000 | $ 260,000 | $ 63,000 |
| Durham-Chapel Hill, NC | 2 | $ 550,000 | $ 275,000 | $ 27,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Harrisonburg, VA | 2 | $ 410,000 | $ 205,000 | $ 73,000 |
| Lakewood-New Brunswick, NJ | 2 | $ 760,000 | $ 380,000 | $ 116,000 |
| Lynchburg, VA | 2 | $ 350,000 | $ 175,000 | $ 56,000 |
| Memphis, TN-MS-AR | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Newark, NJ-PA | 2 | $ 400,000 | $ 200,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 840,000 | $ 420,000 | $ 78,000 |
| Ogden-Clearfield, UT | 2 | $ 430,000 | $ 215,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 680,000 | $ 340,000 | $ 0 |
| Port St. Lucie, FL | 2 | $ 820,000 | $ 410,000 | $ 115,000 |
| Salt Lake City, UT | 2 | $ 470,000 | $ 235,000 | $ 0 |
| San Angelo, TX | 2 | $ 300,000 | $ 150,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 1,890,000 | $ 945,000 | $ 295,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 190,000 | $ 95,000 | $ 37,000 |
| Waterbury-Shelton, CT | 2 | $ 400,000 | $ 200,000 | $ 143,000 |
| Bremerton-Silverdale, WA | 1 | $ 235,000 | $ 235,000 | $ 300,000 |
| College Station-Bryan, TX | 1 | $ 205,000 | $ 205,000 | $ 80,000 |
| Elkhart-Goshen, IN | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Fort Collins, CO | 1 | $ 205,000 | $ 205,000 | $ 54,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 205,000 | $ 205,000 | $ 46,000 |
| Kansas City, MO-KS | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 305,000 | $ 305,000 | $ 38,000 |
| New Orleans-Metairie, LA | 1 | $ 755,000 | $ 755,000 | $ 238,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 365,000 | $ 365,000 | $ 117,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 315,000 | $ 315,000 | $ 19,000 |
| Pittsburgh, PA | 1 | $ 185,000 | $ 185,000 | $ 226,000 |
| Salem, OR | 1 | $ 525,000 | $ 525,000 | $ 323,000 |
| Salisbury, MD-DE | 1 | $ 305,000 | $ 305,000 | $ 271,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 675,000 | $ 675,000 | $ 316,000 |
| Sebring, FL | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Wildwood-The Villages, FL | 1 | $ 435,000 | $ 435,000 | $ 225,000 |
| York-Hanover, PA | 1 | $ 475,000 | $ 475,000 | $ 146,000 |
Mortgage Loan Application Detail Totals for City Lending Inc. 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 | 1,725 | $553,525,000 | $320,000 | $1,595,000 | $88,000 | $1,718,000 |
| Cash-out Refinancing | 126 | $35,140,000 | $278,000 | $3,005,000 | $174,000 | $3,000,000 |
| Refinancing | 78 | $28,010,000 | $359,000 | $795,000 | $91,000 | $273,000 |
| Home Improvement | 6 | $2,100,000 | $350,000 | $545,000 | $91,000 | $130,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 1,307 | $437,355,000 | $334,000 | $1,595,000 | $108,000 | $1,718,000 |
| Not Provided | 402 | $92,510,000 | $230,000 | $1,145,000 | $13,000 | $566,000 |
| White | 88 | $31,090,000 | $353,000 | $3,005,000 | $177,000 | $3,000,000 |
| Black or African American | 88 | $36,830,000 | $418,000 | $755,000 | $117,000 | $591,000 |
| Asian | 40 | $17,980,000 | $449,000 | $855,000 | $128,000 | $232,000 |
| Not applicable | 9 | $2,725,000 | $302,000 | $415,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $285,000 | $285,000 | $285,000 | $657,000 | $657,000 |
| 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) | 1,045 | $282,415,000 | $270,000 | $3,005,000 | $112,000 | $3,000,000 |
| FHA-insured (Federal Housing Administration) | 873 | $329,205,000 | $377,000 | $1,145,000 | $70,000 | $467,000 |
| VA-guaranteed (Veterans Administration) | 13 | $6,165,000 | $474,000 | $755,000 | $140,000 | $238,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $990,000 | $247,000 | $385,000 | $80,000 | $125,000 |
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 | 1,414 | $446,280,000 | $315,000 | $1,595,000 | $86,000 | $1,122,000 |
| Application Denied By Financial Institution | 271 | $86,925,000 | $320,000 | $1,145,000 | $91,000 | $1,144,000 |
| Application Withdrawn By Applicant | 221 | $73,765,000 | $333,000 | $1,005,000 | $131,000 | $1,718,000 |
| File Closed For Incompleteness | 20 | $9,700,000 | $485,000 | $3,005,000 | $256,000 | $3,000,000 |
| Application Approved But Not Accepted | 9 | $2,105,000 | $233,000 | $425,000 | $70,000 | $341,000 |
| 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 | 1,664 | $531,850,000 | $319,000 | $3,005,000 | $94,000 | $3,000,000 |
| Collateral | 117 | $38,985,000 | $333,000 | $1,145,000 | $100,000 | $1,144,000 |
| Other | 64 | $17,140,000 | $267,000 | $565,000 | $68,000 | $238,000 |
| Credit History | 36 | $12,880,000 | $357,000 | $825,000 | $99,000 | $246,000 |
| Employment History | 20 | $7,640,000 | $382,000 | $795,000 | $83,000 | $145,000 |
| Unverifiable Information | 16 | $5,310,000 | $331,000 | $765,000 | $113,000 | $389,000 |
| Debt-To-Income Ratio | 16 | $4,860,000 | $303,000 | $805,000 | $87,000 | $267,000 |
| Credit Application Incomplete | 2 | $110,000 | $55,000 | $105,000 | $88,000 | $94,000 |
| 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 City Lending Inc.'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 City Lending Inc.'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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