Evb Mortgage Lending & HMDA Data, 2016
In 2016, Evb of Tappahannock, VA reported 213 mortgage applications totaling $32.1 million, up 9% from 2015. The average application was for $150,713, and applicants reported an average income of $69,140. 71% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Virginia Beach-Norfolk-Newport News, VA-NC (73), Richmond, VA (64) and Greenville, NC (1) (applications in parentheses).
| Mortgage Company & Address | Evb Po Box 1455 Tappahannock, VA 22560 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 213 |
| Total Mortgage Loan Application Amount | $32,102,000 |
| Average Mortgage Loan Application Amount | $150,713 |
| Highest Mortgage Loan Application Amount | $3,320,000 |
| Average Applicant Income | $69,140 |
| Highest Applicant Income | $813,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Evb filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Northumberland, Virginia | 33 | $ 1,810,000 | $ 54,848 | $ 71,000 |
| Hampton, Virginia | 26 | $ 3,127,000 | $ 120,269 | $ 9,000 |
| Newport News, Virginia | 20 | $ 1,882,000 | $ 94,100 | $ 17,000 |
| Chesterfield, Virginia | 12 | $ 1,764,000 | $ 147,000 | $ 137,000 |
| Hanover, Virginia | 12 | $ 1,364,000 | $ 113,666 | $ 100,000 |
| Essex, Virginia | 9 | $ 388,000 | $ 43,111 | $ 49,000 |
| Sussex, Virginia | 9 | $ 95,000 | $ 10,555 | $ 23,000 |
| Richmond City, Virginia | 8 | $ 2,498,000 | $ 312,250 | $ 61,000 |
| Lancaster, Virginia | 7 | $ 539,000 | $ 77,000 | $ 90,000 |
| Middlesex, Virginia | 7 | $ 1,340,000 | $ 191,428 | $ 142,000 |
| Surry, Virginia | 7 | $ 118,000 | $ 16,857 | $ 72,000 |
| Virginia Beach, Virginia | 7 | $ 2,036,000 | $ 290,857 | $ 55,000 |
| Henrico, Virginia | 5 | $ 1,248,000 | $ 249,600 | $ 124,000 |
| Gloucester, Virginia | 4 | $ 903,000 | $ 225,750 | $ 19,000 |
| Norfolk, Virginia | 4 | $ 667,000 | $ 166,750 | $ 0 |
| Richmond, Virginia | 4 | $ 3,507,000 | $ 876,750 | $ 19,000 |
| Caroline, Virginia | 3 | $ 212,000 | $ 70,666 | $ 70,000 |
| James City, Virginia | 3 | $ 30,000 | $ 10,000 | $ 80,000 |
| King and Queen, Virginia | 3 | $ 189,000 | $ 63,000 | $ 68,000 |
| King William, Virginia | 3 | $ 1,189,000 | $ 396,333 | $ 346,000 |
| Prince George, Virginia | 3 | $ 1,306,000 | $ 435,333 | $ 267,000 |
| York, Virginia | 3 | $ 914,000 | $ 304,666 | $ 64,000 |
| Windham, Vermont | 2 | $ 458,000 | $ 229,000 | $ 0 |
| Colonial Heights, Virginia | 2 | $ 514,000 | $ 257,000 | $ 246,000 |
| Goochland, Virginia | 2 | $ 1,193,000 | $ 596,500 | $ 386,000 |
| Poquoson, Virginia | 2 | $ 369,000 | $ 184,500 | $ 0 |
| Pitt, North Carolina | 1 | $ 50,000 | $ 50,000 | $ 154,000 |
| Charles City, Virginia | 1 | $ 298,000 | $ 298,000 | $ 161,000 |
| Chesapeake, Virginia | 1 | $ 1,085,000 | $ 1,085,000 | $ 0 |
| Dinwiddie, Virginia | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Isle of Wight, Virginia | 1 | $ 191,000 | $ 191,000 | $ 0 |
| New Kent, Virginia | 1 | $ 4,000 | $ 4,000 | $ 65,000 |
| Petersburg, Virginia | 1 | $ 25,000 | $ 25,000 | $ 83,000 |
| Portsmouth, Virginia | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Powhatan, Virginia | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Prince Edward, Virginia | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Suffolk, Virginia | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Westmoreland, Virginia | 1 | $ 32,000 | $ 32,000 | $ 31,000 |
| Wythe, Virginia | 1 | $ 10,000 | $ 10,000 | $ 57,000 |
Mortgage Loan Application Detail Totals for Evb in 2016
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 | 94 | $23,692,000 | $252,000 | $3,320,000 | $46,000 | $438,000 |
| Home Improvement | 90 | $1,595,000 | $17,000 | $250,000 | $65,000 | $245,000 |
| Refinancing | 29 | $6,815,000 | $235,000 | $990,000 | $157,000 | $813,000 |
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 | 92 | $14,939,000 | $162,000 | $1,420,000 | $130,000 | $813,000 |
| Not applicable | 76 | $15,592,000 | $205,000 | $3,320,000 | $0 | $0 |
| Black or African American | 23 | $352,000 | $15,000 | $148,000 | $35,000 | $94,000 |
| Not Provided | 15 | $1,122,000 | $74,000 | $298,000 | $100,000 | $438,000 |
| Hispanic | 5 | $47,000 | $9,000 | $20,000 | $70,000 | $165,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $40,000 | $40,000 | $40,000 | $68,000 | $68,000 |
| American Indian or Alaskan Native | 1 | $10,000 | $10,000 | $10,000 | $30,000 | $30,000 |
| Asian | 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) | 213 | $32,102,000 | $150,000 | $3,320,000 | $69,000 | $813,000 |
| 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 | 151 | $21,859,000 | $144,000 | $3,320,000 | $53,000 | $543,000 |
| Application Denied By Financial Institution | 36 | $2,029,000 | $56,000 | $315,000 | $50,000 | $167,000 |
| Loan Purchased By The Institution | 16 | $6,707,000 | $419,000 | $1,000,000 | $245,000 | $813,000 |
| Application Withdrawn By Applicant | 7 | $920,000 | $131,000 | $610,000 | $106,000 | $219,000 |
| Application Approved But Not Accepted | 3 | $587,000 | $195,000 | $298,000 | $53,000 | $161,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 18 | $409,000 | $22,000 | $140,000 | $47,000 | $82,000 |
| Credit History | 14 | $632,000 | $45,000 | $300,000 | $46,000 | $111,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $565,000 | $282,000 | $315,000 | $83,000 | $167,000 |
| Unverifiable Information | 1 | $250,000 | $250,000 | $250,000 | $51,000 | $51,000 |
| Collateral | 1 | $173,000 | $173,000 | $173,000 | $79,000 | $79,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Evb's 2016 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 Evb'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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