Low VA Rates, LLC Mortgage Lending & HMDA Data, 2016

In 2016, Low VA Rates, LLC of Lindon, UT reported 8,180 mortgage applications totaling $1.9 billion. The average application was for $228,977, and applicants reported an average income of $5,672. 59% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (211), Atlanta-Sandy Springs-Roswell, GA (173) and Las Vegas-Henderson-Paradise, NV (163) (applications in parentheses).

Mortgage Company & Address Low VA Rates, LLC
384 South 400 West, #100
Lindon, UT 84042
Tel #: available with data download
Federal Regulator * available with data download
Years 2022  2021  2020  2019  2018  2017  2016  
Total Number of Mortgage Applications 8,180
Total Mortgage Loan Application Amount $1,873,039,000
Average Mortgage Loan Application Amount $228,977
Highest Mortgage Loan Application Amount $1,063,000
Average Applicant Income $5,672
Highest Applicant Income $1,699,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Low VA Rates, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Low VA Rates, LLC by County in 2016

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Clark, Nevada 163 $ 39,715,000 $ 243,650 $ 11,000
Bexar, Texas 101 $ 22,534,000 $ 223,108 $ 3,000
Maricopa, Arizona 94 $ 21,271,000 $ 226,287 $ 10,000
Riverside, California 90 $ 28,726,000 $ 319,177 $ 6,000
Salt Lake, Utah 80 $ 20,203,000 $ 252,537 $ 40,000
San Diego, California 74 $ 28,602,000 $ 386,513 $ 1,000
El Paso, Colorado 74 $ 16,395,000 $ 221,554 $ 2,000
Pierce, Washington 70 $ 17,605,000 $ 251,500 $ 8,000
Bell, Texas 64 $ 11,353,000 $ 177,390 $ 0
Harris, Texas 59 $ 11,923,000 $ 202,084 $ 0
Los Angeles, California 57 $ 21,296,000 $ 373,614 $ 11,000
Tarrant, Texas 57 $ 11,577,000 $ 203,105 $ 3,000
Cumberland, North Carolina 56 $ 10,341,000 $ 184,660 $ 2,000
San Bernardino, California 55 $ 12,272,000 $ 223,127 $ 1,000
Prince George's, Maryland 45 $ 14,846,000 $ 329,911 $ 0
Duval, Florida 42 $ 8,770,000 $ 208,809 $ 3,000
Davis, Utah 41 $ 10,288,000 $ 250,926 $ 27,000
Utah, Utah 41 $ 10,193,000 $ 248,609 $ 49,000
Virginia Beach, Virginia 40 $ 10,748,000 $ 268,700 $ 3,000
Wake, North Carolina 39 $ 7,970,000 $ 204,358 $ 4,000
El Paso, Texas 38 $ 6,678,000 $ 175,736 $ 1,000
King, Washington 38 $ 11,403,000 $ 300,078 $ 3,000
Pima, Arizona 36 $ 7,164,000 $ 199,000 $ 4,000
Hillsborough, Florida 36 $ 9,096,000 $ 252,666 $ 2,000
Honolulu, Hawaii 36 $ 16,953,000 $ 470,916 $ 5,000
Prince William, Virginia 35 $ 13,350,000 $ 381,428 $ 4,000
Sacramento, California 33 $ 9,701,000 $ 293,969 $ 4,000
Spokane, Washington 33 $ 6,485,000 $ 196,515 $ 0
Cook, Illinois 32 $ 7,038,000 $ 219,937 $ 5,000
Montgomery, Tennessee 32 $ 5,596,000 $ 174,875 $ 1,000
Columbia, Georgia 31 $ 7,473,000 $ 241,064 $ 8,000
Mecklenburg, North Carolina 31 $ 5,895,000 $ 190,161 $ 1,000
Denton, Texas 31 $ 7,697,000 $ 248,290 $ 3,000
Kitsap, Washington 31 $ 8,261,000 $ 266,483 $ 2,000
Anchorage, Alaska 30 $ 8,585,000 $ 286,166 $ 8,000
Onslow, North Carolina 30 $ 4,939,000 $ 164,633 $ 2,000
Dallas, Texas 30 $ 6,241,000 $ 208,033 $ 1,000
Snohomish, Washington 30 $ 9,844,000 $ 328,133 $ 8,000
Jefferson, Kentucky 28 $ 4,846,000 $ 173,071 $ 0
Fulton, Georgia 27 $ 6,293,000 $ 233,074 $ 6,000
Williamson, Texas 27 $ 6,761,000 $ 250,407 $ 3,000
Tooele, Utah 26 $ 5,134,000 $ 197,461 $ 56,000
Chesterfield, Virginia 26 $ 6,680,000 $ 256,923 $ 6,000
Polk, Iowa 25 $ 3,827,000 $ 153,080 $ 0
Baltimore, Maryland 25 $ 6,492,000 $ 259,680 $ 10,000
Charles, Maryland 25 $ 9,054,000 $ 362,160 $ 3,000
Oklahoma, Oklahoma 25 $ 4,557,000 $ 182,280 $ 0
Orange, Florida 24 $ 6,868,000 $ 286,166 $ 0
Comanche, Oklahoma 24 $ 4,865,000 $ 202,708 $ 6,000
Fairfax, Virginia 24 $ 11,113,000 $ 463,041 $ 0
Gwinnett, Georgia 23 $ 5,541,000 $ 240,913 $ 11,000
Collin, Texas 23 $ 5,543,000 $ 241,000 $ 5,000
Chesapeake, Virginia 23 $ 5,905,000 $ 256,739 $ 4,000
Clark, Washington 23 $ 5,596,000 $ 243,304 $ 5,000
Pinal, Arizona 22 $ 3,567,000 $ 162,136 $ 1,000
Polk, Florida 22 $ 4,111,000 $ 186,863 $ 2,000
Richmond, Georgia 22 $ 4,045,000 $ 183,863 $ 0
Stafford, Virginia 22 $ 8,752,000 $ 397,818 $ 9,000
Thurston, Washington 22 $ 5,390,000 $ 245,000 $ 10,000
Jefferson, Alabama 21 $ 3,840,000 $ 182,857 $ 0
Fresno, California 21 $ 5,276,000 $ 251,238 $ 8,000
Brevard, Florida 21 $ 4,365,000 $ 207,857 $ 8,000
Pasco, Florida 21 $ 4,487,000 $ 213,666 $ 0
Richland, South Carolina 21 $ 3,599,000 $ 171,380 $ 3,000
Travis, Texas 21 $ 4,513,000 $ 214,904 $ 7,000
Arapahoe, Colorado 20 $ 5,388,000 $ 269,400 $ 0
Clay, Florida 19 $ 4,269,000 $ 224,684 $ 0
Bernalillo, New Mexico 19 $ 3,736,000 $ 196,631 $ 10,000
Madison, Alabama 18 $ 3,373,000 $ 187,388 $ 0
Hartford, Connecticut 18 $ 4,154,000 $ 230,777 $ 0
Henry, Georgia 18 $ 3,913,000 $ 217,388 $ 0
Liberty, Georgia 18 $ 3,360,000 $ 186,666 $ 5,000
Newport News, Virginia 18 $ 3,454,000 $ 191,888 $ 1,000
Spotsylvania, Virginia 18 $ 6,053,000 $ 336,277 $ 3,000
Pulaski, Arkansas 17 $ 2,822,000 $ 166,000 $ 0
Solano, California 17 $ 5,759,000 $ 338,764 $ 8,000
Denver, Colorado 17 $ 4,228,000 $ 248,705 $ 0
Broward, Florida 17 $ 4,750,000 $ 279,411 $ 5,000
Harnett, North Carolina 17 $ 3,923,000 $ 230,764 $ 10,000
Franklin, Ohio 17 $ 2,604,000 $ 153,176 $ 7,000
Lane, Oregon 17 $ 3,127,000 $ 183,941 $ 2,000
Adams, Colorado 16 $ 4,136,000 $ 258,500 $ 14,000
Manatee, Florida 16 $ 4,075,000 $ 254,687 $ 17,000
Cobb, Georgia 16 $ 3,958,000 $ 247,375 $ 0
Washington, Oregon 16 $ 4,120,000 $ 257,500 $ 5,000
Berkeley, South Carolina 16 $ 3,183,000 $ 198,937 $ 5,000
Osceola, Florida 15 $ 3,769,000 $ 251,266 $ 13,000
Wayne, Michigan 15 $ 2,553,000 $ 170,200 $ 0
Washoe, Nevada 15 $ 3,318,000 $ 221,200 $ 9,000
Dona Ana, New Mexico 15 $ 2,921,000 $ 194,733 $ 2,000
Craven, North Carolina 15 $ 2,424,000 $ 161,600 $ 3,000
Jackson, Oregon 15 $ 3,297,000 $ 219,800 $ 0
Providence, Rhode Island 15 $ 3,742,000 $ 249,466 $ 0
Charleston, South Carolina 15 $ 3,557,000 $ 237,133 $ 0
Nueces, Texas 15 $ 2,560,000 $ 170,666 $ 0
Henrico, Virginia 15 $ 2,931,000 $ 195,400 $ 0
Norfolk, Virginia 15 $ 3,085,000 $ 205,666 $ 5,000
Baldwin, Alabama 14 $ 3,105,000 $ 221,785 $ 10,000
Yavapai, Arizona 14 $ 2,731,000 $ 195,071 $ 9,000
Orange, California 14 $ 7,543,000 $ 538,785 $ 0
Ventura, California 14 $ 6,323,000 $ 451,642 $ 0
Lake, Florida 14 $ 3,191,000 $ 227,928 $ 6,000
St. Johns, Florida 14 $ 3,902,000 $ 278,714 $ 0
Chatham, Georgia 14 $ 2,768,000 $ 197,714 $ 0
Anne Arundel, Maryland 14 $ 5,088,000 $ 363,428 $ 0
Johnston, North Carolina 14 $ 2,801,000 $ 200,071 $ 0
Cleveland, Oklahoma 14 $ 2,443,000 $ 174,500 $ 0
Hampton, Virginia 14 $ 3,173,000 $ 226,642 $ 9,000
Loudoun, Virginia 14 $ 7,553,000 $ 539,500 $ 12,000
Yuma, Arizona 13 $ 2,163,000 $ 166,384 $ 0
Kern, California 13 $ 2,897,000 $ 222,846 $ 0
San Joaquin, California 13 $ 4,309,000 $ 331,461 $ 14,000
New Castle, Delaware 13 $ 3,684,000 $ 283,384 $ 3,000
Palm Beach, Florida 13 $ 3,549,000 $ 273,000 $ 15,000
Houston, Georgia 13 $ 2,938,000 $ 226,000 $ 0
Newton, Georgia 13 $ 2,732,000 $ 210,153 $ 7,000
Oakland, Michigan 13 $ 2,644,000 $ 203,384 $ 6,000
Fort Bend, Texas 13 $ 3,250,000 $ 250,000 $ 0
Montgomery, Texas 13 $ 3,506,000 $ 269,692 $ 0
Benton, Arkansas 12 $ 2,367,000 $ 197,250 $ 0
Jefferson, Colorado 12 $ 2,924,000 $ 243,666 $ 18,000
Larimer, Colorado 12 $ 3,538,000 $ 294,833 $ 11,000
Marion, Florida 12 $ 2,037,000 $ 169,750 $ 0
Clayton, Georgia 12 $ 1,914,000 $ 159,500 $ 3,000
Ada, Idaho 12 $ 2,559,000 $ 213,250 $ 6,000
Marion, Indiana 12 $ 1,769,000 $ 147,416 $ 0
Jefferson, Louisiana 12 $ 3,253,000 $ 271,083 $ 21,000
Harford, Maryland 12 $ 2,977,000 $ 248,083 $ 6,000
Gaston, North Carolina 12 $ 2,268,000 $ 189,000 $ 8,000
Canadian, Oklahoma 12 $ 2,442,000 $ 203,500 $ 5,000
Rutherford, Tennessee 12 $ 2,428,000 $ 202,333 $ 0
Shelby, Tennessee 12 $ 2,731,000 $ 227,583 $ 0
Brazoria, Texas 12 $ 2,732,000 $ 227,666 $ 9,000
Galveston, Texas 12 $ 2,137,000 $ 178,083 $ 10,000
Guadalupe, Texas 12 $ 2,892,000 $ 241,000 $ 0
Weber, Utah 12 $ 2,595,000 $ 216,250 $ 11,000
Kent, Delaware 11 $ 2,303,000 $ 209,363 $ 0
Pinellas, Florida 11 $ 2,378,000 $ 216,181 $ 0
St. Lucie, Florida 11 $ 2,307,000 $ 209,727 $ 0
Volusia, Florida 11 $ 2,454,000 $ 223,090 $ 0
Hardin, Kentucky 11 $ 2,152,000 $ 195,636 $ 0
East Baton Rouge, Louisiana 11 $ 1,724,000 $ 156,727 $ 8,000
Montgomery, Maryland 11 $ 4,007,000 $ 364,272 $ 0
Macomb, Michigan 11 $ 1,969,000 $ 179,000 $ 0
Anoka, Minnesota 11 $ 2,832,000 $ 257,454 $ 30,000
St. Louis, Missouri 11 $ 1,765,000 $ 160,454 $ 8,000
Sandoval, New Mexico 11 $ 2,293,000 $ 208,454 $ 7,000
Hoke, North Carolina 11 $ 2,021,000 $ 183,727 $ 15,000
Cuyahoga, Ohio 11 $ 1,830,000 $ 166,363 $ 0
Deschutes, Oregon 11 $ 2,621,000 $ 238,272 $ 9,000
Douglas, Oregon 11 $ 1,929,000 $ 175,363 $ 6,000
York, Pennsylvania 11 $ 2,043,000 $ 185,727 $ 0
Lexington, South Carolina 11 $ 2,500,000 $ 227,272 $ 0
Parker, Texas 11 $ 2,266,000 $ 206,000 $ 0
Benton, Washington 11 $ 1,918,000 $ 174,363 $ 0
Berkeley, West Virginia 11 $ 2,376,000 $ 216,000 $ 3,000
Lee, Alabama 10 $ 2,390,000 $ 239,000 $ 16,000
Contra Costa, California 10 $ 4,447,000 $ 444,700 $ 0
Douglas, Colorado 10 $ 3,284,000 $ 328,400 $ 40,000
Hernando, Florida 10 $ 1,879,000 $ 187,900 $ 0
Lee, Florida 10 $ 2,460,000 $ 246,000 $ 0
Okaloosa, Florida 10 $ 1,983,000 $ 198,300 $ 10,000
Santa Rosa, Florida 10 $ 1,851,000 $ 185,100 $ 3,000
Sedgwick, Kansas 10 $ 1,058,000 $ 105,800 $ 0
Caddo, Louisiana 10 $ 2,088,000 $ 208,800 $ 0
St. Tammany, Louisiana 10 $ 2,558,000 $ 255,800 $ 0
St. Charles, Missouri 10 $ 2,488,000 $ 248,800 $ 0
Yellowstone, Montana 10 $ 2,080,000 $ 208,000 $ 7,000
Durham, North Carolina 10 $ 2,021,000 $ 202,100 $ 0
Forsyth, North Carolina 10 $ 1,567,000 $ 156,700 $ 2,000
Guilford, North Carolina 10 $ 1,514,000 $ 151,400 $ 0
Hamilton, Ohio 10 $ 2,204,000 $ 220,400 $ 10,000
Clackamas, Oregon 10 $ 2,830,000 $ 283,000 $ 4,000
Allegheny, Pennsylvania 10 $ 1,830,000 $ 183,000 $ 9,000
Montgomery, Pennsylvania 10 $ 2,059,000 $ 205,900 $ 0
Coryell, Texas 10 $ 1,917,000 $ 191,700 $ 0
Suffolk, Virginia 10 $ 2,500,000 $ 250,000 $ 0
Mason, Washington 10 $ 2,482,000 $ 248,200 $ 15,000
Milwaukee, Wisconsin 10 $ 1,821,000 $ 182,100 $ 0
Laramie, Wyoming 10 $ 1,892,000 $ 189,200 $ 0
Matanuska-Susitna, Alaska 9 $ 2,254,000 $ 250,444 $ 0
Cochise, Arizona 9 $ 1,744,000 $ 193,777 $ 0
Merced, California 9 $ 2,088,000 $ 232,000 $ 0
Stanislaus, California 9 $ 2,411,000 $ 267,888 $ 6,000
Weld, Colorado 9 $ 2,400,000 $ 266,666 $ 0
Miami-Dade, Florida 9 $ 2,503,000 $ 278,111 $ 9,000
Canyon, Idaho 9 $ 1,329,000 $ 147,666 $ 0
Kane, Illinois 9 $ 2,158,000 $ 239,777 $ 0
Lake, Indiana 9 $ 1,441,000 $ 160,111 $ 0
Jackson, Missouri 9 $ 1,784,000 $ 198,222 $ 0
Gloucester, New Jersey 9 $ 2,121,000 $ 235,666 $ 16,000
Monmouth, New Jersey 9 $ 3,091,000 $ 343,444 $ 6,000
Rowan, North Carolina 9 $ 1,643,000 $ 182,555 $ 6,000
Wayne, North Carolina 9 $ 1,814,000 $ 201,555 $ 9,000
Montgomery, Ohio 9 $ 1,714,000 $ 190,444 $ 0
Linn, Oregon 9 $ 1,896,000 $ 210,666 $ 6,000
Philadelphia, Pennsylvania 9 $ 1,522,000 $ 169,111 $ 0
Horry, South Carolina 9 $ 1,809,000 $ 201,000 $ 9,000
Ellis, Texas 9 $ 1,494,000 $ 166,000 $ 0
Stevens, Washington 9 $ 2,186,000 $ 242,888 $ 0
Yakima, Washington 9 $ 1,902,000 $ 211,333 $ 16,000
Limestone, Alabama 8 $ 1,524,000 $ 190,500 $ 0
Mobile, Alabama 8 $ 1,309,000 $ 163,625 $ 0
Lake, California 8 $ 2,141,000 $ 267,625 $ 0
Placer, California 8 $ 3,310,000 $ 413,750 $ 0
Pueblo, Colorado 8 $ 1,291,000 $ 161,375 $ 0
New London, Connecticut 8 $ 1,711,000 $ 213,875 $ 0
Seminole, Florida 8 $ 1,638,000 $ 204,750 $ 0
Douglas, Georgia 8 $ 1,540,000 $ 192,500 $ 0
Lowndes, Georgia 8 $ 1,656,000 $ 207,000 $ 0
Paulding, Georgia 8 $ 1,587,000 $ 198,375 $ 0
St. Clair, Illinois 8 $ 1,366,000 $ 170,750 $ 0
Scott, Iowa 8 $ 1,155,000 $ 144,375 $ 0
Johnson, Kansas 8 $ 1,659,000 $ 207,375 $ 0
Ascension, Louisiana 8 $ 2,180,000 $ 272,500 $ 12,000
Bossier, Louisiana 8 $ 1,755,000 $ 219,375 $ 0
Lafayette, Louisiana 8 $ 1,498,000 $ 187,250 $ 0
Vernon, Louisiana 8 $ 1,498,000 $ 187,250 $ 0
Frederick, Maryland 8 $ 3,193,000 $ 399,125 $ 0
Howard, Maryland 8 $ 2,431,000 $ 303,875 $ 5,000
Lyon, Nevada 8 $ 1,507,000 $ 188,375 $ 9,000
Moore, North Carolina 8 $ 2,063,000 $ 257,875 $ 11,000
Ward, North Dakota 8 $ 1,863,000 $ 232,875 $ 0
Fairfield, Ohio 8 $ 1,754,000 $ 219,250 $ 0
Beaufort, South Carolina 8 $ 1,908,000 $ 238,500 $ 0
Greenville, South Carolina 8 $ 1,530,000 $ 191,250 $ 0
Sumner, Tennessee 8 $ 1,714,000 $ 214,250 $ 18,000
Hidalgo, Texas 8 $ 1,610,000 $ 201,250 $ 17,000
Washington, Utah 8 $ 1,914,000 $ 239,250 $ 167,000
Coffee, Alabama 7 $ 962,000 $ 137,428 $ 0
Montgomery, Alabama 7 $ 1,115,000 $ 159,285 $ 0
St. Clair, Alabama 7 $ 1,426,000 $ 203,714 $ 0
Lonoke, Arkansas 7 $ 1,007,000 $ 143,857 $ 0
Tulare, California 7 $ 1,741,000 $ 248,714 $ 7,000
Mesa, Colorado 7 $ 1,420,000 $ 202,857 $ 0
Sussex, Delaware 7 $ 1,484,000 $ 212,000 $ 0
District of Columbia, District Of Columbia 7 $ 3,260,000 $ 465,714 $ 0
Indian River, Florida 7 $ 1,565,000 $ 223,571 $ 0
Leon, Florida 7 $ 1,539,000 $ 219,857 $ 34,000
DeKalb, Georgia 7 $ 1,702,000 $ 243,142 $ 4,000
Fayette, Georgia 7 $ 1,647,000 $ 235,285 $ 0
Long, Georgia 7 $ 1,452,000 $ 207,428 $ 0
Johnson, Indiana 7 $ 1,073,000 $ 153,285 $ 12,000
Warren, Iowa 7 $ 1,661,000 $ 237,285 $ 24,000
Baltimore City, Maryland 7 $ 1,181,000 $ 168,714 $ 7,000
Cecil, Maryland 7 $ 1,995,000 $ 285,000 $ 0
Hennepin, Minnesota 7 $ 1,197,000 $ 171,000 $ 0
Flathead, Montana 7 $ 1,732,000 $ 247,428 $ 0
Hillsborough, New Hampshire 7 $ 1,467,000 $ 209,571 $ 0
Buncombe, North Carolina 7 $ 1,449,000 $ 207,000 $ 0
Iredell, North Carolina 7 $ 2,059,000 $ 294,142 $ 5,000
Robeson, North Carolina 7 $ 1,192,000 $ 170,285 $ 0
Union, North Carolina 7 $ 1,201,000 $ 171,571 $ 5,000
Licking, Ohio 7 $ 1,079,000 $ 154,142 $ 0
Lorain, Ohio 7 $ 1,420,000 $ 202,857 $ 0
Warren, Ohio 7 $ 1,608,000 $ 229,714 $ 0
Multnomah, Oregon 7 $ 1,589,000 $ 227,000 $ 0
Lehigh, Pennsylvania 7 $ 1,439,000 $ 205,571 $ 18,000
Monroe, Pennsylvania 7 $ 1,692,000 $ 241,714 $ 0
Blount, Tennessee 7 $ 1,966,000 $ 280,857 $ 17,000
Johnson, Texas 7 $ 1,418,000 $ 202,571 $ 14,000
Calhoun, Alabama 6 $ 964,000 $ 160,666 $ 0
Russell, Alabama 6 $ 1,051,000 $ 175,166 $ 0
Tuscaloosa, Alabama 6 $ 1,208,000 $ 201,333 $ 0
Mohave, Arizona 6 $ 1,187,000 $ 197,833 $ 0
Washington, Arkansas 6 $ 1,018,000 $ 169,666 $ 0
Alameda, California 6 $ 2,666,000 $ 444,333 $ 0
San Luis Obispo, California 6 $ 2,086,000 $ 347,666 $ 0
New Haven, Connecticut 6 $ 1,527,000 $ 254,500 $ 0
Bay, Florida 6 $ 1,170,000 $ 195,000 $ 13,000
Flagler, Florida 6 $ 1,151,000 $ 191,833 $ 0
Barrow, Georgia 6 $ 944,000 $ 157,333 $ 17,000
Bryan, Georgia 6 $ 1,083,000 $ 180,500 $ 0
DuPage, Illinois 6 $ 1,494,000 $ 249,000 $ 13,000
Hamilton, Indiana 6 $ 1,549,000 $ 258,166 $ 10,000
Porter, Indiana 6 $ 1,524,000 $ 254,000 $ 0
Vanderburgh, Indiana 6 $ 1,107,000 $ 184,500 $ 14,000
Rapides, Louisiana 6 $ 1,253,000 $ 208,833 $ 0
Jackson, Michigan 6 $ 902,000 $ 150,333 $ 6,000
Lewis and Clark, Montana 6 $ 1,754,000 $ 292,333 $ 0
Missoula, Montana 6 $ 1,407,000 $ 234,500 $ 0
Douglas, Nebraska 6 $ 960,000 $ 160,000 $ 0
Rockingham, New Hampshire 6 $ 1,750,000 $ 291,666 $ 0
Ocean, New Jersey 6 $ 1,712,000 $ 285,333 $ 17,000
Cabarrus, North Carolina 6 $ 1,541,000 $ 256,833 $ 0
Catawba, North Carolina 6 $ 737,000 $ 122,833 $ 0
Nash, North Carolina 6 $ 796,000 $ 132,666 $ 0
Pitt, North Carolina 6 $ 1,039,000 $ 173,166 $ 8,000
Lake, Ohio 6 $ 1,396,000 $ 232,666 $ 0
Summit, Ohio 6 $ 1,090,000 $ 181,666 $ 0
Marion, Oregon 6 $ 1,742,000 $ 290,333 $ 22,000
Polk, Oregon 6 $ 1,656,000 $ 276,000 $ 0
Adams, Pennsylvania 6 $ 1,713,000 $ 285,500 $ 0
Lancaster, Pennsylvania 6 $ 1,253,000 $ 208,833 $ 0
Spartanburg, South Carolina 6 $ 1,227,000 $ 204,500 $ 0
Bowie, Texas 6 $ 972,000 $ 162,000 $ 15,000
Cameron, Texas 6 $ 1,496,000 $ 249,333 $ 0
Comal, Texas 6 $ 1,836,000 $ 306,000 $ 14,000
Hays, Texas 6 $ 1,653,000 $ 275,500 $ 9,000
McLennan, Texas 6 $ 943,000 $ 157,166 $ 0
York, Virginia 6 $ 1,507,000 $ 251,166 $ 0
Clallam, Washington 6 $ 1,045,000 $ 174,166 $ 0
Skagit, Washington 6 $ 1,165,000 $ 194,166 $ 0
Jefferson, West Virginia 6 $ 1,643,000 $ 273,833 $ 0
Racine, Wisconsin 6 $ 1,133,000 $ 188,833 $ 0
Elmore, Alabama 5 $ 976,000 $ 195,200 $ 0
Shelby, Alabama 5 $ 932,000 $ 186,400 $ 0
Fairbanks North Star, Alaska 5 $ 1,208,000 $ 241,600 $ 36,000
White, Arkansas 5 $ 811,000 $ 162,200 $ 0
Madera, California 5 $ 888,000 $ 177,600 $ 0
Sonoma, California 5 $ 2,092,000 $ 418,400 $ 0
Fremont, Colorado 5 $ 816,000 $ 163,200 $ 16,000
Fairfield, Connecticut 5 $ 1,972,000 $ 394,400 $ 0
Tolland, Connecticut 5 $ 1,153,000 $ 230,600 $ 0
Escambia, Florida 5 $ 735,000 $ 147,000 $ 0
Sumter, Florida 5 $ 868,000 $ 173,600 $ 7,000
Camden, Georgia 5 $ 911,000 $ 182,200 $ 0
Cherokee, Georgia 5 $ 1,054,000 $ 210,800 $ 0
Coweta, Georgia 5 $ 1,363,000 $ 272,600 $ 0
Effingham, Georgia 5 $ 883,000 $ 176,600 $ 0
Forsyth, Georgia 5 $ 850,000 $ 170,000 $ 0
Harris, Georgia 5 $ 1,433,000 $ 286,600 $ 0
Muscogee, Georgia 5 $ 806,000 $ 161,200 $ 14,000
Bonneville, Idaho 5 $ 1,059,000 $ 211,800 $ 21,000
Sangamon, Illinois 5 $ 785,000 $ 157,000 $ 0
Dearborn, Indiana 5 $ 772,000 $ 154,400 $ 16,000
Hendricks, Indiana 5 $ 921,000 $ 184,200 $ 9,000
Wyandotte, Kansas 5 $ 935,000 $ 187,000 $ 6,000
Livingston, Louisiana 5 $ 1,318,000 $ 263,600 $ 0
Tangipahoa, Louisiana 5 $ 904,000 $ 180,800 $ 0
Calvert, Maryland 5 $ 1,706,000 $ 341,200 $ 27,000
Olmsted, Minnesota 5 $ 744,000 $ 148,800 $ 0
Wright, Minnesota 5 $ 1,134,000 $ 226,800 $ 21,000
Madison, Mississippi 5 $ 976,000 $ 195,200 $ 0
Christian, Missouri 5 $ 867,000 $ 173,400 $ 0
Greene, Missouri 5 $ 815,000 $ 163,000 $ 29,000
Cascade, Montana 5 $ 1,085,000 $ 217,000 $ 10,000
Ravalli, Montana 5 $ 1,181,000 $ 236,200 $ 0
Churchill, Nevada 5 $ 925,000 $ 185,000 $ 0
Nye, Nevada 5 $ 755,000 $ 151,000 $ 9,000
Merrimack, New Hampshire 5 $ 1,246,000 $ 249,200 $ 0
Union, New Jersey 5 $ 1,303,000 $ 260,600 $ 0
San Juan, New Mexico 5 $ 1,151,000 $ 230,200 $ 90,000
Grand Forks, North Dakota 5 $ 1,338,000 $ 267,600 $ 0
Butler, Ohio 5 $ 1,144,000 $ 228,800 $ 13,000
Greene, Ohio 5 $ 1,090,000 $ 218,000 $ 0
Miami, Ohio 5 $ 1,008,000 $ 201,600 $ 0
Tulsa, Oklahoma 5 $ 1,066,000 $ 213,200 $ 0
Wagoner, Oklahoma 5 $ 1,222,000 $ 244,400 $ 0
Josephine, Oregon 5 $ 1,175,000 $ 235,000 $ 13,000
Erie, Pennsylvania 5 $ 834,000 $ 166,800 $ 0
Northampton, Pennsylvania 5 $ 1,272,000 $ 254,400 $ 0
Kent, Rhode Island 5 $ 1,360,000 $ 272,000 $ 0
Dorchester, South Carolina 5 $ 1,197,000 $ 239,400 $ 0
Sumter, South Carolina 5 $ 905,000 $ 181,000 $ 0
York, South Carolina 5 $ 1,212,000 $ 242,400 $ 13,000
Bradley, Tennessee 5 $ 766,000 $ 153,200 $ 0
Wilson, Tennessee 5 $ 1,368,000 $ 273,600 $ 13,000
Kaufman, Texas 5 $ 1,292,000 $ 258,400 $ 0
Smith, Texas 5 $ 909,000 $ 181,800 $ 32,000
Victoria, Texas 5 $ 813,000 $ 162,600 $ 0
Summit, Utah 5 $ 1,967,000 $ 393,400 $ 28,000
Chittenden, Vermont 5 $ 1,527,000 $ 305,400 $ 25,000
Fluvanna, Virginia 5 $ 1,653,000 $ 330,600 $ 17,000
James City, Virginia 5 $ 1,862,000 $ 372,400 $ 0
Portsmouth, Virginia 5 $ 1,033,000 $ 206,600 $ 0
Cowlitz, Washington 5 $ 816,000 $ 163,200 $ 14,000
Grant, Washington 5 $ 1,035,000 $ 207,000 $ 0
Island, Washington 5 $ 1,120,000 $ 224,000 $ 0
Outagamie, Wisconsin 5 $ 824,000 $ 164,800 $ 0
Campbell, Wyoming 5 $ 1,011,000 $ 202,200 $ 0
Natrona, Wyoming 5 $ 1,268,000 $ 253,600 $ 0
Etowah, Alabama 4 $ 780,000 $ 195,000 $ 0
Kenai Peninsula, Alaska 4 $ 748,000 $ 187,000 $ 0
Sebastian, Arkansas 4 $ 607,000 $ 151,750 $ 0
Butte, California 4 $ 673,000 $ 168,250 $ 10,000
El Dorado, California 4 $ 1,570,000 $ 392,500 $ 30,000
Imperial, California 4 $ 835,000 $ 208,750 $ 0
Yolo, California 4 $ 1,037,000 $ 259,250 $ 0
Yuba, California 4 $ 1,539,000 $ 384,750 $ 0
Montrose, Colorado 4 $ 936,000 $ 234,000 $ 15,000
Middlesex, Connecticut 4 $ 1,081,000 $ 270,250 $ 0
Citrus, Florida 4 $ 596,000 $ 149,000 $ 0
Collier, Florida 4 $ 1,064,000 $ 266,000 $ 0
Nassau, Florida 4 $ 702,000 $ 175,500 $ 0
Bibb, Georgia 4 $ 835,000 $ 208,750 $ 0
Hall, Georgia 4 $ 866,000 $ 216,500 $ 0
Peach, Georgia 4 $ 799,000 $ 199,750 $ 43,000
Rockdale, Georgia 4 $ 731,000 $ 182,750 $ 0
Maui, Hawaii 4 $ 2,036,000 $ 509,000 $ 0
Kootenai, Idaho 4 $ 830,000 $ 207,500 $ 0
Lake, Illinois 4 $ 560,000 $ 140,000 $ 0
McHenry, Illinois 4 $ 1,123,000 $ 280,750 $ 0
Peoria, Illinois 4 $ 617,000 $ 154,250 $ 0
Will, Illinois 4 $ 830,000 $ 207,500 $ 50,000
Winnebago, Illinois 4 $ 540,000 $ 135,000 $ 0
Vigo, Indiana 4 $ 736,000 $ 184,000 $ 0
Dubuque, Iowa 4 $ 962,000 $ 240,500 $ 0
Linn, Iowa 4 $ 713,000 $ 178,250 $ 0
Geary, Kansas 4 $ 751,000 $ 187,750 $ 0
Leavenworth, Kansas 4 $ 541,000 $ 135,250 $ 13,000
Boone, Kentucky 4 $ 918,000 $ 229,500 $ 0
Beauregard, Louisiana 4 $ 674,000 $ 168,500 $ 0
Terrebonne, Louisiana 4 $ 676,000 $ 169,000 $ 0
Hancock, Maine 4 $ 660,000 $ 165,000 $ 0
Penobscot, Maine 4 $ 582,000 $ 145,500 $ 6,000
St. Mary's, Maryland 4 $ 774,000 $ 193,500 $ 0
Genesee, Michigan 4 $ 509,000 $ 127,250 $ 15,000
Muskegon, Michigan 4 $ 434,000 $ 108,500 $ 0
Ottawa, Michigan 4 $ 983,000 $ 245,750 $ 0
Dakota, Minnesota 4 $ 861,000 $ 215,250 $ 16,000
Sherburne, Minnesota 4 $ 850,000 $ 212,500 $ 58,000
St. Louis, Minnesota 4 $ 718,000 $ 179,500 $ 0
DeSoto, Mississippi 4 $ 614,000 $ 153,500 $ 20,000
Harrison, Mississippi 4 $ 899,000 $ 224,750 $ 0
Clay, Missouri 4 $ 785,000 $ 196,250 $ 0
Sarpy, Nebraska 4 $ 698,000 $ 174,500 $ 0
Strafford, New Hampshire 4 $ 923,000 $ 230,750 $ 26,000
Camden, New Jersey 4 $ 838,000 $ 209,500 $ 0
Valencia, New Mexico 4 $ 707,000 $ 176,750 $ 0
Brunswick, North Carolina 4 $ 902,000 $ 225,500 $ 22,000
Carteret, North Carolina 4 $ 908,000 $ 227,000 $ 0
Currituck, North Carolina 4 $ 1,292,000 $ 323,000 $ 0
Haywood, North Carolina 4 $ 664,000 $ 166,000 $ 0
New Hanover, North Carolina 4 $ 1,056,000 $ 264,000 $ 0
Pender, North Carolina 4 $ 1,057,000 $ 264,250 $ 0
Perquimans, North Carolina 4 $ 677,000 $ 169,250 $ 0
Wilson, North Carolina 4 $ 747,000 $ 186,750 $ 0
Logan, Ohio 4 $ 619,000 $ 154,750 $ 0
Portage, Ohio 4 $ 741,000 $ 185,250 $ 16,000
Creek, Oklahoma 4 $ 700,000 $ 175,000 $ 0
Coos, Oregon 4 $ 685,000 $ 171,250 $ 0
Yamhill, Oregon 4 $ 889,000 $ 222,250 $ 14,000
Bedford, Pennsylvania 4 $ 715,000 $ 178,750 $ 0
Berks, Pennsylvania 4 $ 797,000 $ 199,250 $ 22,000
Cumberland, Pennsylvania 4 $ 840,000 $ 210,000 $ 0
Dauphin, Pennsylvania 4 $ 772,000 $ 193,000 $ 0
Franklin, Pennsylvania 4 $ 867,000 $ 216,750 $ 0
Lebanon, Pennsylvania 4 $ 859,000 $ 214,750 $ 15,000
Westmoreland, Pennsylvania 4 $ 557,000 $ 139,250 $ 0
Minnehaha, South Dakota 4 $ 813,000 $ 203,250 $ 0
Davidson, Tennessee 4 $ 677,000 $ 169,250 $ 10,000
Hamilton, Tennessee 4 $ 452,000 $ 113,000 $ 0
Lamar, Texas 4 $ 743,000 $ 185,750 $ 0
Webb, Texas 4 $ 877,000 $ 219,250 $ 0
Box Elder, Utah 4 $ 777,000 $ 194,250 $ 0
Cache, Utah 4 $ 1,052,000 $ 263,000 $ 24,000
King William, Virginia 4 $ 1,005,000 $ 251,250 $ 0
Manassas, Virginia 4 $ 1,021,000 $ 255,250 $ 20,000
Okanogan, Washington 4 $ 572,000 $ 143,000 $ 0
Kanawha, West Virginia 4 $ 759,000 $ 189,750 $ 0
Brown, Wisconsin 4 $ 698,000 $ 174,500 $ 0
Kenosha, Wisconsin 4 $ 895,000 $ 223,750 $ 12,000
St. Croix, Wisconsin 4 $ 740,000 $ 185,000 $ 0
Dale, Alabama 3 $ 684,000 $ 228,000 $ 0
Houston, Alabama 3 $ 368,000 $ 122,666 $ 0
Morgan, Alabama 3 $ 549,000 $ 183,000 $ 0
Talladega, Alabama 3 $ 743,000 $ 247,666 $ 0
Craighead, Arkansas 3 $ 409,000 $ 136,333 $ 0
Saline, Arkansas 3 $ 464,000 $ 154,666 $ 0
Amador, California 3 $ 845,000 $ 281,666 $ 0
Humboldt, California 3 $ 1,040,000 $ 346,666 $ 17,000
Kings, California 3 $ 626,000 $ 208,666 $ 0
Santa Barbara, California 3 $ 874,000 $ 291,333 $ 100,000
Santa Clara, California 3 $ 1,615,000 $ 538,333 $ 23,000
Tuolumne, California 3 $ 805,000 $ 268,333 $ 0
Las Animas, Colorado 3 $ 1,218,000 $ 406,000 $ 28,000
Teller, Colorado 3 $ 765,000 $ 255,000 $ 0
Charlotte, Florida 3 $ 509,000 $ 169,666 $ 17,000
Martin, Florida 3 $ 728,000 $ 242,666 $ 26,000
Sarasota, Florida 3 $ 630,000 $ 210,000 $ 0
Walton, Florida 3 $ 889,000 $ 296,333 $ 0
Colquitt, Georgia 3 $ 510,000 $ 170,000 $ 0
Gem, Idaho 3 $ 678,000 $ 226,000 $ 0
Macon, Illinois 3 $ 364,000 $ 121,333 $ 0
Clark, Indiana 3 $ 668,000 $ 222,666 $ 0
Elkhart, Indiana 3 $ 438,000 $ 146,000 $ 34,000
LaPorte, Indiana 3 $ 691,000 $ 230,333 $ 0
St. Joseph, Indiana 3 $ 716,000 $ 238,666 $ 0
Black Hawk, Iowa 3 $ 362,000 $ 120,666 $ 42,000
Dallas, Iowa 3 $ 902,000 $ 300,666 $ 0
Douglas, Kansas 3 $ 787,000 $ 262,333 $ 44,000
Fayette, Kentucky 3 $ 488,000 $ 162,666 $ 0
Franklin, Kentucky 3 $ 461,000 $ 153,666 $ 0
Kenton, Kentucky 3 $ 464,000 $ 154,666 $ 0
Madison, Kentucky 3 $ 362,000 $ 120,666 $ 0
Nelson, Kentucky 3 $ 666,000 $ 222,000 $ 0
Shelby, Kentucky 3 $ 520,000 $ 173,333 $ 0
Calcasieu, Louisiana 3 $ 342,000 $ 114,000 $ 0
Orleans, Louisiana 3 $ 1,218,000 $ 406,000 $ 0
St. John the Baptist, Louisiana 3 $ 411,000 $ 137,000 $ 0
Cumberland, Maine 3 $ 701,000 $ 233,666 $ 32,000
Kennebec, Maine 3 $ 597,000 $ 199,000 $ 27,000
Sagadahoc, Maine 3 $ 627,000 $ 209,000 $ 17,000
York, Maine 3 $ 653,000 $ 217,666 $ 0
Wicomico, Maryland 3 $ 431,000 $ 143,666 $ 0
Bay, Michigan 3 $ 433,000 $ 144,333 $ 0
Lapeer, Michigan 3 $ 490,000 $ 163,333 $ 0
Livingston, Michigan 3 $ 568,000 $ 189,333 $ 0
Saginaw, Michigan 3 $ 360,000 $ 120,000 $ 0
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Mortgage Loan Application Detail Totals for Low VA Rates, LLC 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
Refinancing 8,009 $1,831,342,000 $228,000 $1,063,000 $4,000 $1,699,000
Home Purchase 171 $41,697,000 $243,000 $783,000 $84,000 $1,289,000
Home Improvement 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 3,760 $842,139,000 $223,000 $987,000 $9,000 $1,699,000
Not Provided 2,258 $514,179,000 $227,000 $1,063,000 $1,000 $273,000
Black or African American 1,279 $299,546,000 $234,000 $855,000 $4,000 $260,000
Hispanic 671 $161,758,000 $241,000 $830,000 $7,000 $298,000
Asian 95 $27,598,000 $290,000 $632,000 $7,000 $144,000
American Indian or Alaskan Native 72 $15,544,000 $215,000 $604,000 $4,000 $108,000
Native Hawaiin or Other Pacific Islander 45 $12,275,000 $272,000 $598,000 $9,000 $132,000
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
VA-guaranteed (Veterans Administration) 7,997 $1,832,329,000 $229,000 $1,063,000 $5,000 $1,699,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 97 $22,295,000 $229,000 $567,000 $103,000 $1,289,000
FHA-insured (Federal Housing Administration) 78 $16,704,000 $214,000 $549,000 $38,000 $160,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 8 $1,711,000 $213,000 $377,000 $56,000 $94,000

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 4,862 $1,086,562,000 $223,000 $976,000 $5,000 $1,289,000
Application Withdrawn By Applicant 2,622 $626,376,000 $238,000 $1,063,000 $6,000 $1,699,000
Application Denied By Financial Institution 418 $91,576,000 $219,000 $743,000 $12,000 $255,000
File Closed For Incompleteness 278 $68,525,000 $246,000 $937,000 $10,000 $360,000
Application Approved But Not Accepted 0 $0 $0 $0 $0 $0
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
Credit History 220 $46,020,000 $209,000 $721,000 $5,000 $143,000
Other 164 $37,058,000 $225,000 $743,000 $10,000 $255,000
Debt-To-Income Ratio 14 $3,309,000 $236,000 $598,000 $75,000 $132,000
Collateral 10 $2,740,000 $274,000 $450,000 $91,000 $185,000
Employment History 3 $686,000 $228,000 $285,000 $37,000 $52,000
Insufficient Cash (Downpayment, Closing Cost) 1 $201,000 $201,000 $201,000 $0 $0
Mortgage Insurance Denied 1 $275,000 $275,000 $275,000 $74,000 $74,000
Unverifiable Information 1 $289,000 $289,000 $289,000 $67,000 $67,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Low VA Rates, LLC'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 Low VA Rates, LLC'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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