Dominion Energy Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Dominion Energy Credit Union 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Dominion Energy Credit Union Po Box 26646 Richmond, VA 23261 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 227 |
| Total Mortgage Loan Application Amount | $47,095,000 |
| Average Mortgage Loan Application Amount | $199,200 |
| Highest Mortgage Loan Application Amount | $515,000 |
| Average Applicant Income | $111,200 |
| Highest Applicant Income | $421,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Dominion Energy Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Dominion Energy Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Dominion Energy Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Dominion Energy Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Dominion Energy Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Dominion Energy Credit Union's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Henrico County Virginia | 39 | $ 8,035,000 | $ 206,000 | $ 114,000 |
| Chesterfield County Virginia | 28 | $ 5,530,000 | $ 197,000 | $ 136,000 |
| Hanover County Virginia | 19 | $ 4,845,000 | $ 255,000 | $ 112,000 |
| Lexington County South Carolina | 11 | $ 2,535,000 | $ 230,000 | $ 138,000 |
| Richmond City County Virginia | 11 | $ 2,635,000 | $ 239,000 | $ 101,000 |
| Louisa County Virginia | 9 | $ 1,855,000 | $ 206,000 | $ 108,000 |
| Richland County South Carolina | 6 | $ 1,320,000 | $ 220,000 | $ 132,000 |
| Powhatan County Virginia | 6 | $ 1,130,000 | $ 188,000 | $ 105,000 |
| Prince William County Virginia | 5 | $ 1,585,000 | $ 317,000 | $ 103,000 |
| Cuyahoga County Ohio | 4 | $ 370,000 | $ 92,000 | $ 76,000 |
| Goochland County Virginia | 4 | $ 1,090,000 | $ 272,000 | $ 116,000 |
| Lorain County Ohio | 3 | $ 665,000 | $ 221,000 | $ 111,000 |
| Summit County Ohio | 3 | $ 385,000 | $ 128,000 | $ 89,000 |
| Brunswick County Virginia | 3 | $ 255,000 | $ 85,000 | $ 75,000 |
| New Kent County Virginia | 3 | $ 605,000 | $ 201,000 | $ 96,000 |
| Spotsylvania County Virginia | 3 | $ 685,000 | $ 228,000 | $ 95,000 |
| Union County North Carolina | 2 | $ 720,000 | $ 360,000 | $ 168,000 |
| Medina County Ohio | 2 | $ 740,000 | $ 370,000 | $ 290,000 |
| Portage County Ohio | 2 | $ 550,000 | $ 275,000 | $ 157,000 |
| Berkeley County South Carolina | 2 | $ 430,000 | $ 215,000 | $ 104,000 |
| Orangeburg County South Carolina | 2 | $ 260,000 | $ 130,000 | $ 63,000 |
| Amelia County Virginia | 2 | $ 520,000 | $ 260,000 | $ 126,000 |
| Charlotte County Virginia | 2 | $ 220,000 | $ 110,000 | $ 99,000 |
| Chesapeake County Virginia | 2 | $ 100,000 | $ 50,000 | $ 116,000 |
| Frederick County Virginia | 2 | $ 570,000 | $ 285,000 | $ 192,000 |
| Halifax County Virginia | 2 | $ 270,000 | $ 135,000 | $ 161,000 |
| Isle of Wight County Virginia | 2 | $ 400,000 | $ 200,000 | $ 135,000 |
| Rockingham County Virginia | 2 | $ 320,000 | $ 160,000 | $ 90,000 |
| Stafford County Virginia | 2 | $ 190,000 | $ 95,000 | $ 101,000 |
| Surry County Virginia | 2 | $ 340,000 | $ 170,000 | $ 80,000 |
| Westmoreland County Virginia | 2 | $ 310,000 | $ 155,000 | $ 83,000 |
| Dare County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 64,000 |
| Forsyth County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 70,000 |
| Franklin County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 59,000 |
| Robeson County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 94,000 |
| Watauga County North Carolina | 1 | $ 515,000 | $ 515,000 | $ 78,000 |
| Belmont County Ohio | 1 | $ 155,000 | $ 155,000 | $ 116,000 |
| Putnam County Ohio | 1 | $ 245,000 | $ 245,000 | $ 106,000 |
| Stark County Ohio | 1 | $ 165,000 | $ 165,000 | $ 73,000 |
| Charleston County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 137,000 |
| Chester County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 84,000 |
| Dorchester County South Carolina | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Fairfield County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Horry County South Carolina | 1 | $ 495,000 | $ 495,000 | $ 128,000 |
| Albemarle County Virginia | 1 | $ 215,000 | $ 215,000 | $ 47,000 |
| Augusta County Virginia | 1 | $ 165,000 | $ 165,000 | $ 84,000 |
| Buckingham County Virginia | 1 | $ 95,000 | $ 95,000 | $ 29,000 |
| Campbell County Virginia | 1 | $ 115,000 | $ 115,000 | $ 40,000 |
| Culpeper County Virginia | 1 | $ 255,000 | $ 255,000 | $ 105,000 |
| Fairfax County Virginia | 1 | $ 265,000 | $ 265,000 | $ 206,000 |
| Fairfax City County Virginia | 1 | $ 235,000 | $ 235,000 | $ 88,000 |
| Fauquier County Virginia | 1 | $ 125,000 | $ 125,000 | $ 39,000 |
| Greene County Virginia | 1 | $ 325,000 | $ 325,000 | $ 119,000 |
| Hampton County Virginia | 1 | $ 15,000 | $ 15,000 | $ 164,000 |
| James City County Virginia | 1 | $ 205,000 | $ 205,000 | $ 0 |
| King William County Virginia | 1 | $ 125,000 | $ 125,000 | $ 102,000 |
| Lexington County Virginia | 1 | $ 245,000 | $ 245,000 | $ 166,000 |
| Lunenburg County Virginia | 1 | $ 95,000 | $ 95,000 | $ 64,000 |
| Manassas Park County Virginia | 1 | $ 315,000 | $ 315,000 | $ 88,000 |
| Mecklenburg County Virginia | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Norfolk County Virginia | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Orange County Virginia | 1 | $ 285,000 | $ 285,000 | $ 145,000 |
| Portsmouth County Virginia | 1 | $ 265,000 | $ 265,000 | $ 66,000 |
| Prince Edward County Virginia | 1 | $ 225,000 | $ 225,000 | $ 92,000 |
| Prince George County Virginia | 1 | $ 155,000 | $ 155,000 | $ 104,000 |
| Rockbridge County Virginia | 1 | $ 55,000 | $ 55,000 | $ 128,000 |
| Suffolk County Virginia | 1 | $ 245,000 | $ 245,000 | $ 101,000 |
| Warren County Virginia | 1 | $ 25,000 | $ 25,000 | $ 53,000 |
| Waynesboro County Virginia | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Wise County Virginia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| York County Virginia | 1 | $ 265,000 | $ 265,000 | $ 225,000 |
Mortgage Loan Application Detail Totals for Dominion Energy Credit Union in 2020
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 73 | $10,865,000 | $148,000 | $425,000 | $112,000 | $272,000 |
| Refinancing | 68 | $15,830,000 | $232,000 | $405,000 | $126,000 | $421,000 |
| Home Purchase | 54 | $13,810,000 | $255,000 | $515,000 | $115,000 | $215,000 |
| Other Purpose | 26 | $5,750,000 | $221,000 | $515,000 | $95,000 | $176,000 |
| Home Improvement | 6 | $840,000 | $140,000 | $235,000 | $108,000 | $170,000 |
| 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 | 148 | $31,550,000 | $213,000 | $515,000 | $110,000 | $272,000 |
| Black or African American | 33 | $5,815,000 | $176,000 | $405,000 | $103,000 | $421,000 |
| Not Provided | 27 | $5,055,000 | $187,000 | $405,000 | $129,000 | $365,000 |
| Hispanic | 8 | $1,910,000 | $238,000 | $365,000 | $151,000 | $176,000 |
| Asian | 7 | $1,955,000 | $279,000 | $445,000 | $157,000 | $267,000 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 222 | $46,200,000 | $208,000 | $515,000 | $115,000 | $421,000 |
| FHA-insured (Federal Housing Administration) | 5 | $895,000 | $179,000 | $315,000 | $69,000 | $90,000 |
| 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 | 142 | $29,270,000 | $206,000 | $515,000 | $118,000 | $421,000 |
| Application Withdrawn By Applicant | 35 | $8,455,000 | $241,000 | $425,000 | $113,000 | $206,000 |
| Application Denied By Financial Institution | 21 | $3,965,000 | $188,000 | $515,000 | $95,000 | $176,000 |
| File Closed For Incompleteness | 19 | $3,645,000 | $191,000 | $425,000 | $100,000 | $199,000 |
| Application Approved But Not Accepted | 10 | $1,760,000 | $176,000 | $325,000 | $97,000 | $142,000 |
| 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 | 206 | $43,130,000 | $209,000 | $515,000 | $115,000 | $421,000 |
| Credit History | 8 | $1,220,000 | $152,000 | $375,000 | $65,000 | $77,000 |
| Debt-To-Income Ratio | 5 | $895,000 | $179,000 | $515,000 | $88,000 | $116,000 |
| Other | 4 | $850,000 | $212,000 | $375,000 | $110,000 | $130,000 |
| Collateral | 3 | $715,000 | $238,000 | $305,000 | $136,000 | $176,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $285,000 | $285,000 | $285,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Dominion Energy Credit Union's 2020 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 Dominion Energy Credit Union'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.