Fvb - Southwest
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Fvb - Southwest 2003 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 | Fvb - Southwest 223 West Nash St Wilson, NC 27893 |
| Federal Regulator | * available with data download |
| Years | 2003 |
| Total Number of Mortgage Applications | 3,070 |
| Total Mortgage Loan Application Amount | $190,259,000 |
| Average Mortgage Loan Application Amount | $50,400 |
| Highest Mortgage Loan Application Amount | $660,000 |
| Average Applicant Income | $37,800 |
| Highest Applicant Income | $2,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Fvb - Southwest. 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 Fvb - Southwest's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Fvb - Southwest'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 Fvb - Southwest serves its applicants.
Each category highlights the total number of mortgage applications processed by Fvb - Southwest, 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 Fvb - Southwest's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tazewell County Virginia | 352 | $ 21,979,000 | $ 62,000 | $ 127,000 |
| Franklin County Virginia | 256 | $ 17,135,000 | $ 66,000 | $ 41,000 |
| Wythe County Virginia | 227 | $ 12,862,000 | $ 56,000 | $ 44,000 |
| Giles County Virginia | 195 | $ 10,462,000 | $ 53,000 | $ 42,000 |
| Pulaski County Virginia | 155 | $ 9,512,000 | $ 61,000 | $ 46,000 |
| Pittsylvania County Virginia | 146 | $ 10,294,000 | $ 70,000 | $ 49,000 |
| Bland County Virginia | 141 | $ 7,788,000 | $ 55,000 | $ 43,000 |
| Amherst County Virginia | 140 | $ 10,268,000 | $ 73,000 | $ 48,000 |
| Grayson County Virginia | 137 | $ 7,227,000 | $ 52,000 | $ 31,000 |
| Roanoke County Virginia | 124 | $ 8,873,000 | $ 71,000 | $ 57,000 |
| Montgomery County Virginia | 119 | $ 8,722,000 | $ 73,000 | $ 44,000 |
| Mercer County West Virginia | 101 | $ 6,019,000 | $ 59,000 | $ 66,000 |
| Carroll County Virginia | 98 | $ 6,793,000 | $ 69,000 | $ 71,000 |
| Alleghany County Virginia | 91 | $ 5,384,000 | $ 59,000 | $ 51,000 |
| Roanoke City County Virginia | 90 | $ 5,394,000 | $ 59,000 | $ 46,000 |
| Bedford County Virginia | 74 | $ 5,103,000 | $ 68,000 | $ 48,000 |
| Danville County Virginia | 70 | $ 3,537,000 | $ 50,000 | $ 42,000 |
| Monroe County West Virginia | 60 | $ 3,450,000 | $ 57,000 | $ 35,000 |
| Campbell County Virginia | 58 | $ 3,576,000 | $ 61,000 | $ 49,000 |
| Radford County Virginia | 38 | $ 2,742,000 | $ 72,000 | $ 49,000 |
| Salem County Virginia | 36 | $ 2,569,000 | $ 71,000 | $ 58,000 |
| Covington County Virginia | 30 | $ 902,000 | $ 30,000 | $ 38,000 |
| Floyd County Virginia | 30 | $ 1,966,000 | $ 65,000 | $ 45,000 |
| Lynchburg County Virginia | 29 | $ 1,395,000 | $ 48,000 | $ 52,000 |
| Botetourt County Virginia | 28 | $ 1,975,000 | $ 70,000 | $ 49,000 |
| Galax County Virginia | 28 | $ 1,665,000 | $ 59,000 | $ 22,000 |
| Buchanan County Virginia | 27 | $ 1,413,000 | $ 52,000 | $ 40,000 |
| Bath County Virginia | 26 | $ 1,719,000 | $ 66,000 | $ 53,000 |
| Caswell County North Carolina | 20 | $ 1,093,000 | $ 54,000 | $ 24,000 |
| Smyth County Virginia | 17 | $ 978,000 | $ 57,000 | $ 43,000 |
| McDowell County West Virginia | 17 | $ 705,000 | $ 41,000 | $ 46,000 |
| Russell County Virginia | 16 | $ 971,000 | $ 60,000 | $ 32,000 |
| Halifax County Virginia | 14 | $ 915,000 | $ 65,000 | $ 67,000 |
| Charlotte County Virginia | 8 | $ 410,000 | $ 51,000 | $ 39,000 |
| Craig County Virginia | 8 | $ 442,000 | $ 55,000 | $ 38,000 |
| Nelson County Virginia | 7 | $ 410,000 | $ 58,000 | $ 32,000 |
| Rockingham County North Carolina | 5 | $ 244,000 | $ 48,000 | $ 47,000 |
| Henry County Virginia | 5 | $ 232,000 | $ 46,000 | $ 32,000 |
| Appomattox County Virginia | 4 | $ 287,000 | $ 71,000 | $ 36,000 |
| Rockbridge County Virginia | 4 | $ 304,000 | $ 76,000 | $ 28,000 |
| Washington County Virginia | 4 | $ 434,000 | $ 108,000 | $ 70,000 |
| Greenbrier County West Virginia | 3 | $ 166,000 | $ 55,000 | $ 55,000 |
| Summers County West Virginia | 3 | $ 85,000 | $ 28,000 | $ 33,000 |
| Henrico County Virginia | 2 | $ 200,000 | $ 100,000 | $ 121,000 |
| Highland County Virginia | 2 | $ 98,000 | $ 49,000 | $ 81,000 |
| Martinsville County Virginia | 2 | $ 60,000 | $ 30,000 | $ 31,000 |
| Prince Edward County Virginia | 2 | $ 298,000 | $ 149,000 | $ 53,000 |
| Alleghany County North Carolina | 1 | $ 38,000 | $ 38,000 | $ 23,000 |
| Augusta County Virginia | 1 | $ 100,000 | $ 100,000 | $ 90,000 |
| Bedford City County Virginia | 1 | $ 53,000 | $ 53,000 | $ 34,000 |
| Buena Vista County Virginia | 1 | $ 15,000 | $ 15,000 | $ 49,000 |
| Chesterfield County Virginia | 1 | $ 112,000 | $ 112,000 | $ 84,000 |
| Dickenson County Virginia | 1 | $ 21,000 | $ 21,000 | $ 37,000 |
| Louisa County Virginia | 1 | $ 75,000 | $ 75,000 | $ 68,000 |
| Patrick County Virginia | 1 | $ 79,000 | $ 79,000 | $ 46,000 |
| Scott County Virginia | 1 | $ 15,000 | $ 15,000 | $ 28,000 |
| Wise County Virginia | 1 | $ 246,000 | $ 246,000 | $ 189,000 |
| Raleigh County West Virginia | 1 | $ 24,000 | $ 24,000 | $ 30,000 |
Mortgage Loan Application Detail Totals for Fvb - Southwest in 2003
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 (home purchase or home improvement, one-to-four family) | 2,496 | $168,502,000 | $62,666 | $660,000 | $47,333 | $2,000,000 |
| Home Improvement (one-to-four family) | 287 | $6,034,000 | $13,000 | $160,000 | $32,000 | $170,000 |
| Home Purchase (one-to-four family) | 286 | $15,569,000 | $41,000 | $269,000 | $46,666 | $1,332,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $154,000 | $154,000 | $154,000 | $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 | 2,844 | $176,190,000 | $57,333 | $660,000 | $41,000 | $2,000,000 |
| Black | 146 | $7,739,000 | $42,666 | $164,000 | $38,333 | $175,000 |
| Information not provided by applicant in mail or telephone application | 47 | $3,136,000 | $60,500 | $265,000 | $48,500 | $188,000 |
| Other | 11 | $2,051,000 | $147,500 | $339,000 | $246,000 | $612,000 |
| American Indian or Alaskan Native | 8 | $427,000 | $53,000 | $73,000 | $40,000 | $74,000 |
| Asian or Pacific Islander | 8 | $488,000 | $61,500 | $175,000 | $64,000 | $229,000 |
| Hispanic | 4 | $121,000 | $30,000 | $64,000 | $31,000 | $46,000 |
| Not applicable | 2 | $107,000 | $53,000 | $75,000 | $738,000 | $1,332,000 |
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) | 3,061 | $190,198,000 | $56,666 | $660,000 | $44,333 | $2,000,000 |
| FHA-insured (Federal Housing Administration) | 9 | $61,000 | $6,000 | $25,000 | $49,000 | $94,000 |
| 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 | 2,337 | $144,383,000 | $59,333 | $572,000 | $53,000 | $1,332,000 |
| Application Denied By Financial Institution | 400 | $24,081,000 | $51,666 | $660,000 | $35,333 | $2,000,000 |
| Application Approved But Not Accepted | 216 | $14,083,000 | $46,333 | $339,000 | $48,666 | $1,029,000 |
| Application Withdrawn By Applicant | 116 | $7,547,000 | $50,000 | $314,000 | $50,000 | $211,000 |
| File Closed For Incompleteness | 1 | $165,000 | $165,000 | $165,000 | $50,000 | $50,000 |
| Loan Purchased By The 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 | 193 | $9,634,000 | $43,666 | $186,000 | $35,000 | $113,000 |
| Debt-To-Income Ratio | 142 | $9,780,000 | $60,000 | $660,000 | $30,666 | $2,000,000 |
| Collateral | 50 | $4,004,000 | $58,666 | $267,000 | $50,000 | $145,000 |
| Employment History | 13 | $646,000 | $27,500 | $130,000 | $25,000 | $76,000 |
| Other | 1 | $5,000 | $5,000 | $5,000 | $15,000 | $15,000 |
| Unverifiable Information | 1 | $12,000 | $12,000 | $12,000 | $25,000 | $25,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Fvb - Southwest's 2003 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 Fvb - Southwest'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 North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.