Low VA Rates, LLC Mortgage Lending & HMDA Data, 2018

In 2018, Low VA Rates, LLC of Lindon, UT reported 4,041 mortgage applications totaling $993.8 million, down 61% from 2017. The average application was for $245,930, and applicants reported an average income of $31,780. 55% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Las Vegas-Henderson-Paradise, NV (185), Atlanta-Sandy Springs-Roswell, GA (168) and Phoenix-Mesa-Scottsdale, AZ (133) (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 4,041
Total Mortgage Loan Application Amount $993,805,000
Average Mortgage Loan Application Amount $245,930
Highest Mortgage Loan Application Amount $1,505,000
Average Applicant Income $31,780
Highest Applicant Income $4,200,000

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Act (HMDA) records Low VA Rates, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Clark, Nevada 185 $ 52,195,000 $ 282,135 $ 64,000
Maricopa, Arizona 108 $ 28,570,000 $ 264,537 $ 30,000
Riverside, California 73 $ 24,335,000 $ 333,356 $ 38,000
Utah, Utah 55 $ 14,315,000 $ 260,272 $ 136,000
Bexar, Texas 51 $ 10,905,000 $ 213,823 $ 17,000
El Paso, Colorado 50 $ 14,160,000 $ 283,200 $ 29,000
San Diego, California 43 $ 18,025,000 $ 419,186 $ 22,000
Bell, Texas 43 $ 7,715,000 $ 179,418 $ 12,000
Salt Lake, Utah 40 $ 12,040,000 $ 301,000 $ 171,000
Los Angeles, California 35 $ 14,975,000 $ 427,857 $ 37,000
San Bernardino, California 33 $ 10,285,000 $ 311,666 $ 30,000
Tarrant, Texas 33 $ 7,845,000 $ 237,727 $ 25,000
Sacramento, California 32 $ 9,700,000 $ 303,125 $ 19,000
Duval, Florida 31 $ 6,795,000 $ 219,193 $ 19,000
Prince George's, Maryland 31 $ 11,895,000 $ 383,709 $ 44,000
Pima, Arizona 28 $ 5,780,000 $ 206,428 $ 31,000
Pinal, Arizona 25 $ 5,215,000 $ 208,600 $ 18,000
Hillsborough, Florida 25 $ 6,435,000 $ 257,400 $ 8,000
Mecklenburg, North Carolina 24 $ 5,780,000 $ 240,833 $ 32,000
Fulton, Georgia 23 $ 6,025,000 $ 261,956 $ 26,000
Gwinnett, Georgia 23 $ 6,015,000 $ 261,521 $ 19,000
Harris, Texas 23 $ 5,665,000 $ 246,304 $ 17,000
Pierce, Washington 23 $ 5,875,000 $ 255,434 $ 30,000
Brevard, Florida 22 $ 4,910,000 $ 223,181 $ 20,000
El Paso, Texas 22 $ 4,380,000 $ 199,090 $ 11,000
Cumberland, North Carolina 21 $ 3,845,000 $ 183,095 $ 26,000
Arapahoe, Colorado 20 $ 6,710,000 $ 335,500 $ 48,000
Henry, Georgia 20 $ 5,000,000 $ 250,000 $ 28,000
Dallas, Texas 20 $ 4,210,000 $ 210,500 $ 13,000
Polk, Florida 19 $ 3,875,000 $ 203,947 $ 20,000
Wake, North Carolina 19 $ 5,115,000 $ 269,210 $ 35,000
Lane, Oregon 18 $ 5,390,000 $ 299,444 $ 32,000
Contra Costa, California 17 $ 8,375,000 $ 492,647 $ 27,000
Travis, Texas 17 $ 3,985,000 $ 234,411 $ 3,000
Marion, Indiana 16 $ 2,620,000 $ 163,750 $ 29,000
Bernalillo, New Mexico 16 $ 4,120,000 $ 257,500 $ 32,000
Volusia, Florida 15 $ 3,275,000 $ 218,333 $ 17,000
Cook, Illinois 15 $ 3,295,000 $ 219,666 $ 28,000
Jefferson, Kentucky 15 $ 2,765,000 $ 184,333 $ 14,000
Onslow, North Carolina 15 $ 2,975,000 $ 198,333 $ 22,000
Montgomery, Tennessee 15 $ 3,195,000 $ 213,000 $ 14,000
Pulaski, Arkansas 14 $ 2,210,000 $ 157,857 $ 18,000
Osceola, Florida 14 $ 3,560,000 $ 254,285 $ 37,000
Pinellas, Florida 14 $ 3,250,000 $ 232,142 $ 23,000
DeKalb, Georgia 14 $ 2,710,000 $ 193,571 $ 31,000
Douglas, Georgia 14 $ 2,750,000 $ 196,428 $ 8,000
Charles, Maryland 14 $ 4,660,000 $ 332,857 $ 9,000
Washoe, Nevada 14 $ 3,910,000 $ 279,285 $ 14,000
Collin, Texas 14 $ 4,360,000 $ 311,428 $ 7,000
Davis, Utah 14 $ 3,850,000 $ 275,000 $ 80,000
Yavapai, Arizona 13 $ 2,925,000 $ 225,000 $ 14,000
Kern, California 13 $ 3,445,000 $ 265,000 $ 4,000
Solano, California 13 $ 5,345,000 $ 411,153 $ 21,000
Denver, Colorado 13 $ 3,345,000 $ 257,307 $ 18,000
Broward, Florida 13 $ 4,015,000 $ 308,846 $ 29,000
Lake, Florida 13 $ 3,205,000 $ 246,538 $ 27,000
Orange, Florida 13 $ 3,115,000 $ 239,615 $ 35,000
Nueces, Texas 13 $ 2,935,000 $ 225,769 $ 17,000
Weber, Utah 13 $ 3,455,000 $ 265,769 $ 49,000
Hampton, Virginia 13 $ 2,635,000 $ 202,692 $ 8,000
Prince William, Virginia 13 $ 6,215,000 $ 478,076 $ 62,000
Madison, Alabama 12 $ 3,000,000 $ 250,000 $ 31,000
Mohave, Arizona 12 $ 2,450,000 $ 204,166 $ 6,000
Adams, Colorado 12 $ 3,960,000 $ 330,000 $ 29,000
Chatham, Georgia 12 $ 2,710,000 $ 225,833 $ 30,000
Clayton, Georgia 12 $ 2,510,000 $ 209,166 $ 9,000
Guilford, North Carolina 12 $ 2,550,000 $ 212,500 $ 25,000
Philadelphia, Pennsylvania 12 $ 2,140,000 $ 178,333 $ 14,000
Williamson, Texas 12 $ 3,890,000 $ 324,166 $ 17,000
Virginia Beach, Virginia 12 $ 2,950,000 $ 245,833 $ 25,000
Jefferson, Alabama 11 $ 2,205,000 $ 200,454 $ 34,000
San Joaquin, California 11 $ 3,325,000 $ 302,272 $ 33,000
Miami-Dade, Florida 11 $ 3,265,000 $ 296,818 $ 45,000
St. Lucie, Florida 11 $ 2,455,000 $ 223,181 $ 26,000
Anne Arundel, Maryland 11 $ 3,895,000 $ 354,090 $ 0
Wayne, Michigan 11 $ 1,735,000 $ 157,727 $ 27,000
Spokane, Washington 11 $ 2,815,000 $ 255,909 $ 64,000
Cochise, Arizona 10 $ 1,540,000 $ 154,000 $ 15,000
Lee, Florida 10 $ 1,990,000 $ 199,000 $ 38,000
Cobb, Georgia 10 $ 2,220,000 $ 222,000 $ 22,000
Muscogee, Georgia 10 $ 1,630,000 $ 163,000 $ 24,000
Newton, Georgia 10 $ 2,320,000 $ 232,000 $ 34,000
Marion, Oregon 10 $ 3,260,000 $ 326,000 $ 25,000
Davidson, Tennessee 10 $ 2,140,000 $ 214,000 $ 0
Denton, Texas 10 $ 2,330,000 $ 233,000 $ 4,000
Montgomery, Texas 10 $ 2,620,000 $ 262,000 $ 12,000
Chesapeake, Virginia 10 $ 2,720,000 $ 272,000 $ 15,000
Portsmouth, Virginia 10 $ 2,280,000 $ 228,000 $ 11,000
Milwaukee, Wisconsin 10 $ 1,730,000 $ 173,000 $ 11,000
New Castle, Delaware 9 $ 2,025,000 $ 225,000 $ 5,000
Palm Beach, Florida 9 $ 3,225,000 $ 358,333 $ 26,000
Paulding, Georgia 9 $ 2,245,000 $ 249,444 $ 26,000
Sedgwick, Kansas 9 $ 1,625,000 $ 180,555 $ 12,000
Jackson, Missouri 9 $ 1,985,000 $ 220,555 $ 26,000
Sarpy, Nebraska 9 $ 2,055,000 $ 228,333 $ 37,000
Franklin, Ohio 9 $ 1,725,000 $ 191,666 $ 33,000
Coos, Oregon 9 $ 1,665,000 $ 185,000 $ 5,000
Douglas, Oregon 9 $ 2,075,000 $ 230,555 $ 18,000
Jackson, Oregon 9 $ 2,375,000 $ 263,888 $ 32,000
Dorchester, South Carolina 9 $ 2,385,000 $ 265,000 $ 31,000
Rutherford, Tennessee 9 $ 2,475,000 $ 275,000 $ 21,000
Chesterfield, Virginia 9 $ 2,285,000 $ 253,888 $ 49,000
Norfolk, Virginia 9 $ 1,655,000 $ 183,888 $ 15,000
Spotsylvania, Virginia 9 $ 2,755,000 $ 306,111 $ 39,000
Stafford, Virginia 9 $ 3,435,000 $ 381,666 $ 32,000
Clark, Washington 9 $ 2,775,000 $ 308,333 $ 17,000
Jefferson, Colorado 8 $ 3,670,000 $ 458,750 $ 54,000
Weld, Colorado 8 $ 2,800,000 $ 350,000 $ 23,000
Pasco, Florida 8 $ 1,670,000 $ 208,750 $ 8,000
Richmond, Georgia 8 $ 1,290,000 $ 161,250 $ 14,000
East Baton Rouge, Louisiana 8 $ 1,700,000 $ 212,500 $ 55,000
Oakland, Michigan 8 $ 1,700,000 $ 212,500 $ 63,000
St. Louis, Missouri 8 $ 1,420,000 $ 177,500 $ 17,000
Dona Ana, New Mexico 8 $ 1,670,000 $ 208,750 $ 40,000
Forsyth, North Carolina 8 $ 1,550,000 $ 193,750 $ 13,000
Johnston, North Carolina 8 $ 1,560,000 $ 195,000 $ 26,000
Shelby, Tennessee 8 $ 2,270,000 $ 283,750 $ 31,000
Tooele, Utah 8 $ 2,070,000 $ 258,750 $ 70,000
Fresno, California 7 $ 1,785,000 $ 255,000 $ 54,000
Kent, Delaware 7 $ 1,745,000 $ 249,285 $ 0
Clay, Florida 7 $ 1,985,000 $ 283,571 $ 17,000
Escambia, Florida 7 $ 1,145,000 $ 163,571 $ 5,000
Okaloosa, Florida 7 $ 1,425,000 $ 203,571 $ 38,000
Houston, Georgia 7 $ 1,125,000 $ 160,714 $ 57,000
Will, Illinois 7 $ 2,515,000 $ 359,285 $ 29,000
Johnson, Kansas 7 $ 1,475,000 $ 210,714 $ 46,000
Baltimore, Maryland 7 $ 1,895,000 $ 270,714 $ 8,000
Lyon, Nevada 7 $ 1,575,000 $ 225,000 $ 36,000
Craven, North Carolina 7 $ 1,185,000 $ 169,285 $ 6,000
Gaston, North Carolina 7 $ 1,225,000 $ 175,000 $ 27,000
Harnett, North Carolina 7 $ 1,265,000 $ 180,714 $ 9,000
Lucas, Ohio 7 $ 935,000 $ 133,571 $ 4,000
Canadian, Oklahoma 7 $ 1,355,000 $ 193,571 $ 9,000
York, Pennsylvania 7 $ 1,145,000 $ 163,571 $ 15,000
Richland, South Carolina 7 $ 1,235,000 $ 176,428 $ 40,000
Guadalupe, Texas 7 $ 1,825,000 $ 260,714 $ 43,000
McLennan, Texas 7 $ 1,355,000 $ 193,571 $ 37,000
Washington, Utah 7 $ 1,675,000 $ 239,285 $ 49,000
Henrico, Virginia 7 $ 1,335,000 $ 190,714 $ 14,000
Raleigh, West Virginia 7 $ 585,000 $ 83,571 $ 27,000
Benton, Arkansas 6 $ 1,210,000 $ 201,666 $ 19,000
Merced, California 6 $ 1,440,000 $ 240,000 $ 33,000
Orange, California 6 $ 2,490,000 $ 415,000 $ 29,000
Placer, California 6 $ 2,500,000 $ 416,666 $ 38,000
Pueblo, Colorado 6 $ 1,050,000 $ 175,000 $ 24,000
Hernando, Florida 6 $ 1,280,000 $ 213,333 $ 10,000
Coweta, Georgia 6 $ 1,460,000 $ 243,333 $ 33,000
Rockdale, Georgia 6 $ 1,400,000 $ 233,333 $ 6,000
Ada, Idaho 6 $ 1,580,000 $ 263,333 $ 69,000
Genesee, Michigan 6 $ 1,080,000 $ 180,000 $ 17,000
Kent, Michigan 6 $ 900,000 $ 150,000 $ 56,000
Macomb, Michigan 6 $ 1,580,000 $ 263,333 $ 55,000
DeSoto, Mississippi 6 $ 1,310,000 $ 218,333 $ 26,000
St. Charles, Missouri 6 $ 1,800,000 $ 300,000 $ 35,000
Nye, Nevada 6 $ 1,300,000 $ 216,666 $ 47,000
Camden, New Jersey 6 $ 1,290,000 $ 215,000 $ 19,000
Sandoval, New Mexico 6 $ 1,270,000 $ 211,666 $ 26,000
Brunswick, North Carolina 6 $ 1,680,000 $ 280,000 $ 66,000
Durham, North Carolina 6 $ 1,380,000 $ 230,000 $ 11,000
New Hanover, North Carolina 6 $ 1,310,000 $ 218,333 $ 0
Union, North Carolina 6 $ 1,670,000 $ 278,333 $ 25,000
Tulsa, Oklahoma 6 $ 830,000 $ 138,333 $ 20,000
Multnomah, Oregon 6 $ 1,780,000 $ 296,666 $ 23,000
Lehigh, Pennsylvania 6 $ 1,230,000 $ 205,000 $ 0
Montgomery, Pennsylvania 6 $ 1,500,000 $ 250,000 $ 27,000
Beaufort, South Carolina 6 $ 1,920,000 $ 320,000 $ 21,000
Knox, Tennessee 6 $ 1,290,000 $ 215,000 $ 41,000
Williamson, Tennessee 6 $ 2,370,000 $ 395,000 $ 66,000
Comal, Texas 6 $ 1,410,000 $ 235,000 $ 0
Fort Bend, Texas 6 $ 1,680,000 $ 280,000 $ 0
King, Washington 6 $ 2,120,000 $ 353,333 $ 14,000
Baldwin, Alabama 5 $ 1,485,000 $ 297,000 $ 42,000
Apache, Arizona 5 $ 705,000 $ 141,000 $ 28,000
Coconino, Arizona 5 $ 1,405,000 $ 281,000 $ 58,000
Navajo, Arizona 5 $ 705,000 $ 141,000 $ 6,000
Imperial, California 5 $ 1,545,000 $ 309,000 $ 51,000
Stanislaus, California 5 $ 1,335,000 $ 267,000 $ 39,000
Sutter, California 5 $ 1,425,000 $ 285,000 $ 59,000
Douglas, Colorado 5 $ 2,115,000 $ 423,000 $ 28,000
Alachua, Florida 5 $ 955,000 $ 191,000 $ 28,000
Flagler, Florida 5 $ 945,000 $ 189,000 $ 39,000
Manatee, Florida 5 $ 1,345,000 $ 269,000 $ 46,000
Sarasota, Florida 5 $ 1,045,000 $ 209,000 $ 18,000
Columbia, Georgia 5 $ 1,425,000 $ 285,000 $ 0
St. Clair, Illinois 5 $ 655,000 $ 131,000 $ 51,000
Polk, Iowa 5 $ 1,185,000 $ 237,000 $ 40,000
St. Tammany, Louisiana 5 $ 1,615,000 $ 323,000 $ 43,000
Harford, Maryland 5 $ 1,135,000 $ 227,000 $ 0
Clay, Missouri 5 $ 1,415,000 $ 283,000 $ 11,000
Churchill, Nevada 5 $ 1,285,000 $ 257,000 $ 27,000
Monmouth, New Jersey 5 $ 1,515,000 $ 303,000 $ 17,000
Wayne, North Carolina 5 $ 1,185,000 $ 237,000 $ 59,000
Comanche, Oklahoma 5 $ 965,000 $ 193,000 $ 0
Adams, Pennsylvania 5 $ 1,025,000 $ 205,000 $ 33,000
Allegheny, Pennsylvania 5 $ 1,155,000 $ 231,000 $ 20,000
Berkeley, South Carolina 5 $ 1,145,000 $ 229,000 $ 11,000
Charleston, South Carolina 5 $ 1,305,000 $ 261,000 $ 57,000
Greenville, South Carolina 5 $ 905,000 $ 181,000 $ 13,000
Hamilton, Tennessee 5 $ 1,355,000 $ 271,000 $ 0
Brazoria, Texas 5 $ 1,185,000 $ 237,000 $ 0
Coryell, Texas 5 $ 885,000 $ 177,000 $ 0
Ellis, Texas 5 $ 1,275,000 $ 255,000 $ 11,000
Kaufman, Texas 5 $ 995,000 $ 199,000 $ 42,000
Randall, Texas 5 $ 1,315,000 $ 263,000 $ 0
Newport News, Virginia 5 $ 1,055,000 $ 211,000 $ 18,000
Suffolk, Virginia 5 $ 1,275,000 $ 255,000 $ 16,000
Benton, Washington 5 $ 1,225,000 $ 245,000 $ 45,000
Kitsap, Washington 5 $ 1,095,000 $ 219,000 $ 24,000
Thurston, Washington 5 $ 1,735,000 $ 347,000 $ 55,000
Laramie, Wyoming 5 $ 1,285,000 $ 257,000 $ 48,000
Anchorage, Alaska 4 $ 1,840,000 $ 460,000 $ 92,000
Yuma, Arizona 4 $ 740,000 $ 185,000 $ 18,000
Washington, Arkansas 4 $ 790,000 $ 197,500 $ 25,000
Santa Barbara, California 4 $ 1,120,000 $ 280,000 $ 20,000
Tulare, California 4 $ 930,000 $ 232,500 $ 0
Ventura, California 4 $ 1,610,000 $ 402,500 $ 21,000
Yuba, California 4 $ 860,000 $ 215,000 $ 18,000
Larimer, Colorado 4 $ 1,350,000 $ 337,500 $ 0
Hartford, Connecticut 4 $ 1,060,000 $ 265,000 $ 49,000
Bay, Florida 4 $ 1,060,000 $ 265,000 $ 10,000
Marion, Florida 4 $ 710,000 $ 177,500 $ 13,000
Bartow, Georgia 4 $ 740,000 $ 185,000 $ 9,000
Fayette, Georgia 4 $ 1,060,000 $ 265,000 $ 42,000
Forsyth, Georgia 4 $ 1,370,000 $ 342,500 $ 61,000
Kootenai, Idaho 4 $ 970,000 $ 242,500 $ 54,000
Porter, Indiana 4 $ 670,000 $ 167,500 $ 42,000
Pottawattamie, Iowa 4 $ 570,000 $ 142,500 $ 23,000
Nelson, Kentucky 4 $ 1,040,000 $ 260,000 $ 21,000
Warren, Kentucky 4 $ 820,000 $ 205,000 $ 12,000
Caddo, Louisiana 4 $ 570,000 $ 142,500 $ 15,000
Livingston, Louisiana 4 $ 570,000 $ 142,500 $ 12,000
Tangipahoa, Louisiana 4 $ 770,000 $ 192,500 $ 18,000
Cecil, Maryland 4 $ 1,150,000 $ 287,500 $ 0
Frederick, Maryland 4 $ 1,200,000 $ 300,000 $ 0
Jackson, Michigan 4 $ 580,000 $ 145,000 $ 14,000
Livingston, Michigan 4 $ 820,000 $ 205,000 $ 9,000
Washington, Minnesota 4 $ 1,030,000 $ 257,500 $ 57,000
Atlantic, New Jersey 4 $ 890,000 $ 222,500 $ 15,000
Alamance, North Carolina 4 $ 750,000 $ 187,500 $ 42,000
Franklin, North Carolina 4 $ 1,350,000 $ 337,500 $ 16,000
Hoke, North Carolina 4 $ 800,000 $ 200,000 $ 0
Iredell, North Carolina 4 $ 1,300,000 $ 325,000 $ 40,000
Pitt, North Carolina 4 $ 580,000 $ 145,000 $ 42,000
Rowan, North Carolina 4 $ 640,000 $ 160,000 $ 47,000
Delaware, Ohio 4 $ 1,070,000 $ 267,500 $ 13,000
Cleveland, Oklahoma 4 $ 920,000 $ 230,000 $ 0
Deschutes, Oregon 4 $ 1,130,000 $ 282,500 $ 27,000
Jefferson, Oregon 4 $ 920,000 $ 230,000 $ 0
Josephine, Oregon 4 $ 1,050,000 $ 262,500 $ 67,000
Linn, Oregon 4 $ 800,000 $ 200,000 $ 22,000
Washington, Oregon 4 $ 1,360,000 $ 340,000 $ 57,000
Yamhill, Oregon 4 $ 1,210,000 $ 302,500 $ 12,000
Berks, Pennsylvania 4 $ 910,000 $ 227,500 $ 42,000
Delaware, Pennsylvania 4 $ 940,000 $ 235,000 $ 0
Lexington, South Carolina 4 $ 920,000 $ 230,000 $ 0
Cameron, Texas 4 $ 650,000 $ 162,500 $ 16,000
Galveston, Texas 4 $ 920,000 $ 230,000 $ 19,000
Hays, Texas 4 $ 1,050,000 $ 262,500 $ 11,000
Rockwall, Texas 4 $ 920,000 $ 230,000 $ 50,000
Smith, Texas 4 $ 780,000 $ 195,000 $ 0
Cache, Utah 4 $ 1,070,000 $ 267,500 $ 46,000
Fairfax, Virginia 4 $ 2,140,000 $ 535,000 $ 25,000
James City, Virginia 4 $ 1,840,000 $ 460,000 $ 67,000
Loudoun, Virginia 4 $ 2,330,000 $ 582,500 $ 71,000
Chelan, Washington 4 $ 1,140,000 $ 285,000 $ 28,000
Snohomish, Washington 4 $ 1,300,000 $ 325,000 $ 0
Whatcom, Washington 4 $ 1,140,000 $ 285,000 $ 37,000
Jefferson, West Virginia 4 $ 1,120,000 $ 280,000 $ 123,000
Natrona, Wyoming 4 $ 1,150,000 $ 287,500 $ 60,000
Calhoun, Alabama 3 $ 405,000 $ 135,000 $ 39,000
Coffee, Alabama 3 $ 545,000 $ 181,666 $ 0
Covington, Alabama 3 $ 355,000 $ 118,333 $ 37,000
Cullman, Alabama 3 $ 385,000 $ 128,333 $ 61,000
Montgomery, Alabama 3 $ 635,000 $ 211,666 $ 0
Tuscaloosa, Alabama 3 $ 625,000 $ 208,333 $ 60,000
Walker, Alabama 3 $ 455,000 $ 151,666 $ 45,000
Matanuska-Susitna, Alaska 3 $ 565,000 $ 188,333 $ 29,000
Crittenden, Arkansas 3 $ 765,000 $ 255,000 $ 44,000
Jefferson, Arkansas 3 $ 505,000 $ 168,333 $ 25,000
Lonoke, Arkansas 3 $ 465,000 $ 155,000 $ 58,000
Miller, Arkansas 3 $ 535,000 $ 178,333 $ 0
Saline, Arkansas 3 $ 515,000 $ 171,666 $ 32,000
Alameda, California 3 $ 1,375,000 $ 458,333 $ 0
Butte, California 3 $ 945,000 $ 315,000 $ 22,000
Nevada, California 3 $ 1,135,000 $ 378,333 $ 0
Shasta, California 3 $ 775,000 $ 258,333 $ 25,000
Yolo, California 3 $ 725,000 $ 241,666 $ 43,000
Fremont, Colorado 3 $ 645,000 $ 215,000 $ 0
Mesa, Colorado 3 $ 495,000 $ 165,000 $ 0
District of Columbia, District Of Columbia 3 $ 1,225,000 $ 408,333 $ 79,000
Citrus, Florida 3 $ 585,000 $ 195,000 $ 0
Seminole, Florida 3 $ 765,000 $ 255,000 $ 17,000
Cherokee, Georgia 3 $ 845,000 $ 281,666 $ 37,000
Gordon, Georgia 3 $ 495,000 $ 165,000 $ 0
Long, Georgia 3 $ 545,000 $ 181,666 $ 0
Lowndes, Georgia 3 $ 405,000 $ 135,000 $ 84,000
Bonner, Idaho 3 $ 925,000 $ 308,333 $ 67,000
DuPage, Illinois 3 $ 385,000 $ 128,333 $ 55,000
Allen, Indiana 3 $ 375,000 $ 125,000 $ 46,000
Elkhart, Indiana 3 $ 445,000 $ 148,333 $ 0
Howard, Indiana 3 $ 565,000 $ 188,333 $ 0
Lake, Indiana 3 $ 925,000 $ 308,333 $ 49,000
Christian, Kentucky 3 $ 415,000 $ 138,333 $ 0
Fayette, Kentucky 3 $ 775,000 $ 258,333 $ 22,000
Hardin, Kentucky 3 $ 345,000 $ 115,000 $ 0
Scott, Kentucky 3 $ 585,000 $ 195,000 $ 54,000
Ascension, Louisiana 3 $ 955,000 $ 318,333 $ 107,000
Bossier, Louisiana 3 $ 685,000 $ 228,333 $ 37,000
Jefferson, Louisiana 3 $ 415,000 $ 138,333 $ 12,000
Lafayette, Louisiana 3 $ 475,000 $ 158,333 $ 0
Rapides, Louisiana 3 $ 595,000 $ 198,333 $ 27,000
Howard, Maryland 3 $ 1,405,000 $ 468,333 $ 42,000
Monroe, Michigan 3 $ 585,000 $ 195,000 $ 15,000
Dakota, Minnesota 3 $ 715,000 $ 238,333 $ 0
Hennepin, Minnesota 3 $ 605,000 $ 201,666 $ 18,000
Greene, Missouri 3 $ 585,000 $ 195,000 $ 44,000
Jefferson, Missouri 3 $ 545,000 $ 181,666 $ 0
Newton, Missouri 3 $ 325,000 $ 108,333 $ 44,000
Platte, Missouri 3 $ 945,000 $ 315,000 $ 21,000
Douglas, Nebraska 3 $ 425,000 $ 141,666 $ 0
Douglas, Nevada 3 $ 685,000 $ 228,333 $ 0
Hillsborough, New Hampshire 3 $ 745,000 $ 248,333 $ 0
Strafford, New Hampshire 3 $ 665,000 $ 221,666 $ 27,000
Middlesex, New Jersey 3 $ 1,005,000 $ 335,000 $ 0
Ocean, New Jersey 3 $ 685,000 $ 228,333 $ 0
Union, New Jersey 3 $ 945,000 $ 315,000 $ 69,000
Buncombe, North Carolina 3 $ 775,000 $ 258,333 $ 33,000
Davidson, North Carolina 3 $ 535,000 $ 178,333 $ 13,000
Granville, North Carolina 3 $ 515,000 $ 171,666 $ 34,000
Haywood, North Carolina 3 $ 825,000 $ 275,000 $ 62,000
Henderson, North Carolina 3 $ 775,000 $ 258,333 $ 12,000
Randolph, North Carolina 3 $ 545,000 $ 181,666 $ 27,000
Wilson, North Carolina 3 $ 775,000 $ 258,333 $ 17,000
Williams, North Dakota 3 $ 1,055,000 $ 351,666 $ 33,000
Butler, Ohio 3 $ 585,000 $ 195,000 $ 0
Fairfield, Ohio 3 $ 675,000 $ 225,000 $ 69,000
Lawrence, Ohio 3 $ 645,000 $ 215,000 $ 35,000
Medina, Ohio 3 $ 525,000 $ 175,000 $ 26,000
McClain, Oklahoma 3 $ 425,000 $ 141,666 $ 17,000
Oklahoma, Oklahoma 3 $ 765,000 $ 255,000 $ 96,000
Rogers, Oklahoma 3 $ 625,000 $ 208,333 $ 51,000
Clackamas, Oregon 3 $ 1,105,000 $ 368,333 $ 66,000
Lincoln, Oregon 3 $ 605,000 $ 201,666 $ 0
Union, Oregon 3 $ 725,000 $ 241,666 $ 0
Butler, Pennsylvania 3 $ 715,000 $ 238,333 $ 67,000
Chester, Pennsylvania 3 $ 895,000 $ 298,333 $ 63,000
Cumberland, Pennsylvania 3 $ 685,000 $ 228,333 $ 59,000
Lebanon, Pennsylvania 3 $ 725,000 $ 241,666 $ 0
Northampton, Pennsylvania 3 $ 905,000 $ 301,666 $ 0
Westmoreland, Pennsylvania 3 $ 545,000 $ 181,666 $ 10,000
Providence, Rhode Island 3 $ 695,000 $ 231,666 $ 60,000
Horry, South Carolina 3 $ 625,000 $ 208,333 $ 0
Spartanburg, South Carolina 3 $ 765,000 $ 255,000 $ 20,000
Cumberland, Tennessee 3 $ 385,000 $ 128,333 $ 29,000
Hamblen, Tennessee 3 $ 565,000 $ 188,333 $ 0
Sullivan, Tennessee 3 $ 505,000 $ 168,333 $ 31,000
Sumner, Tennessee 3 $ 875,000 $ 291,666 $ 29,000
Wilson, Tennessee 3 $ 1,005,000 $ 335,000 $ 0
Brazos, Texas 3 $ 845,000 $ 281,666 $ 0
Hidalgo, Texas 3 $ 715,000 $ 238,333 $ 0
Johnson, Texas 3 $ 465,000 $ 155,000 $ 0
Parker, Texas 3 $ 855,000 $ 285,000 $ 0
Summit, Utah 3 $ 965,000 $ 321,666 $ 105,000
Caroline, Virginia 3 $ 605,000 $ 201,666 $ 0
Culpeper, Virginia 3 $ 835,000 $ 278,333 $ 41,000
Frederick, Virginia 3 $ 575,000 $ 191,666 $ 13,000
Richmond City, Virginia 3 $ 675,000 $ 225,000 $ 0
Roanoke, Virginia 3 $ 585,000 $ 195,000 $ 0
Grant, Washington 3 $ 845,000 $ 281,666 $ 86,000
Mason, Washington 3 $ 745,000 $ 248,333 $ 61,000
Skagit, Washington 3 $ 855,000 $ 285,000 $ 14,000
Bayfield, Wisconsin 3 $ 655,000 $ 218,333 $ 64,000
Jackson, Wisconsin 3 $ 405,000 $ 135,000 $ 54,000
Racine, Wisconsin 3 $ 485,000 $ 161,666 $ 0
Waukesha, Wisconsin 3 $ 845,000 $ 281,666 $ 71,000
Elmore, Alabama 2 $ 260,000 $ 130,000 $ 0
Lauderdale, Alabama 2 $ 370,000 $ 185,000 $ 55,000
Marshall, Alabama 2 $ 290,000 $ 145,000 $ 24,000
Mobile, Alabama 2 $ 370,000 $ 185,000 $ 0
Shelby, Alabama 2 $ 720,000 $ 360,000 $ 30,000
St. Clair, Alabama 2 $ 400,000 $ 200,000 $ 67,000
Fairbanks North Star, Alaska 2 $ 470,000 $ 235,000 $ 60,000
Kenai Peninsula, Alaska 2 $ 510,000 $ 255,000 $ 23,000
Faulkner, Arkansas 2 $ 410,000 $ 205,000 $ 0
El Dorado, California 2 $ 620,000 $ 310,000 $ 30,000
Kings, California 2 $ 520,000 $ 260,000 $ 39,000
Monterey, California 2 $ 550,000 $ 275,000 $ 81,000
San Luis Obispo, California 2 $ 740,000 $ 370,000 $ 31,000
San Mateo, California 2 $ 1,420,000 $ 710,000 $ 0
Santa Clara, California 2 $ 1,220,000 $ 610,000 $ 78,000
Fairfield, Connecticut 2 $ 390,000 $ 195,000 $ 33,000
New Haven, Connecticut 2 $ 470,000 $ 235,000 $ 61,000
New London, Connecticut 2 $ 470,000 $ 235,000 $ 0
Charlotte, Florida 2 $ 730,000 $ 365,000 $ 75,000
Indian River, Florida 2 $ 490,000 $ 245,000 $ 0
Nassau, Florida 2 $ 400,000 $ 200,000 $ 22,000
Sumter, Florida 2 $ 510,000 $ 255,000 $ 30,000
Walton, Florida 2 $ 450,000 $ 225,000 $ 0
Bryan, Georgia 2 $ 460,000 $ 230,000 $ 70,000
Camden, Georgia 2 $ 420,000 $ 210,000 $ 40,000
Carroll, Georgia 2 $ 560,000 $ 280,000 $ 0
Habersham, Georgia 2 $ 400,000 $ 200,000 $ 55,000
Hall, Georgia 2 $ 450,000 $ 225,000 $ 26,000
Jones, Georgia 2 $ 740,000 $ 370,000 $ 0
Laurens, Georgia 2 $ 290,000 $ 145,000 $ 0
Liberty, Georgia 2 $ 280,000 $ 140,000 $ 0
Murray, Georgia 2 $ 340,000 $ 170,000 $ 46,000
Spalding, Georgia 2 $ 410,000 $ 205,000 $ 0
Troup, Georgia 2 $ 300,000 $ 150,000 $ 0
Walker, Georgia 2 $ 400,000 $ 200,000 $ 0
Walton, Georgia 2 $ 320,000 $ 160,000 $ 0
Honolulu, Hawaii 2 $ 760,000 $ 380,000 $ 62,000
Bonneville, Idaho 2 $ 450,000 $ 225,000 $ 0
Canyon, Idaho 2 $ 320,000 $ 160,000 $ 45,000
Twin Falls, Idaho 2 $ 280,000 $ 140,000 $ 65,000
Jasper, Illinois 2 $ 290,000 $ 145,000 $ 0
Kane, Illinois 2 $ 320,000 $ 160,000 $ 0
Lake, Illinois 2 $ 360,000 $ 180,000 $ 0
Piatt, Illinois 2 $ 620,000 $ 310,000 $ 45,000
Hamilton, Indiana 2 $ 440,000 $ 220,000 $ 59,000
Hancock, Indiana 2 $ 440,000 $ 220,000 $ 0
Hendricks, Indiana 2 $ 420,000 $ 210,000 $ 39,000
St. Joseph, Indiana 2 $ 260,000 $ 130,000 $ 74,000
Tippecanoe, Indiana 2 $ 260,000 $ 130,000 $ 0
Vanderburgh, Indiana 2 $ 300,000 $ 150,000 $ 0
Washington, Indiana 2 $ 310,000 $ 155,000 $ 0
Dallas, Iowa 2 $ 490,000 $ 245,000 $ 0
Jasper, Iowa 2 $ 330,000 $ 165,000 $ 38,000
Franklin, Kentucky 2 $ 330,000 $ 165,000 $ 63,000
Madison, Kentucky 2 $ 250,000 $ 125,000 $ 0
Shelby, Kentucky 2 $ 440,000 $ 220,000 $ 23,000
York, Maine 2 $ 690,000 $ 345,000 $ 115,000
Queen Anne's, Maryland 2 $ 920,000 $ 460,000 $ 0
Somerset, Maryland 2 $ 270,000 $ 135,000 $ 31,000
St. Mary's, Maryland 2 $ 890,000 $ 445,000 $ 88,000
Ionia, Michigan 2 $ 310,000 $ 155,000 $ 17,000
Lenawee, Michigan 2 $ 280,000 $ 140,000 $ 48,000
Ottawa, Michigan 2 $ 450,000 $ 225,000 $ 0
Saginaw, Michigan 2 $ 220,000 $ 110,000 $ 0
Scott, Minnesota 2 $ 830,000 $ 415,000 $ 27,000
Jackson, Mississippi 2 $ 420,000 $ 210,000 $ 22,000
Madison, Mississippi 2 $ 480,000 $ 240,000 $ 0
Rankin, Mississippi 2 $ 370,000 $ 185,000 $ 25,000
Boone, Missouri 2 $ 460,000 $ 230,000 $ 0
Christian, Missouri 2 $ 250,000 $ 125,000 $ 32,000
Franklin, Missouri 2 $ 270,000 $ 135,000 $ 0
Lawrence, Missouri 2 $ 480,000 $ 240,000 $ 0
Pulaski, Missouri 2 $ 290,000 $ 145,000 $ 0
St. Louis City, Missouri 2 $ 290,000 $ 145,000 $ 33,000
Lewis and Clark, Montana 2 $ 430,000 $ 215,000 $ 74,000
Ravalli, Montana 2 $ 450,000 $ 225,000 $ 0
Carson City, Nevada 2 $ 660,000 $ 330,000 $ 0
Elko, Nevada 2 $ 520,000 $ 260,000 $ 75,000
Merrimack, New Hampshire 2 $ 370,000 $ 185,000 $ 22,000
Burlington, New Jersey 2 $ 450,000 $ 225,000 $ 0
Essex, New Jersey 2 $ 610,000 $ 305,000 $ 0
Gloucester, New Jersey 2 $ 460,000 $ 230,000 $ 49,000
Morris, New Jersey 2 $ 1,060,000 $ 530,000 $ 67,000
Passaic, New Jersey 2 $ 570,000 $ 285,000 $ 0
Sussex, New Jersey 2 $ 790,000 $ 395,000 $ 0
Curry, New Mexico 2 $ 480,000 $ 240,000 $ 74,000
San Juan, New Mexico 2 $ 250,000 $ 125,000 $ 11,000
Santa Fe, New Mexico 2 $ 290,000 $ 145,000 $ 34,000
Valencia, New Mexico 2 $ 420,000 $ 210,000 $ 25,000
Cabarrus, North Carolina 2 $ 570,000 $ 285,000 $ 40,000
Columbus, North Carolina 2 $ 330,000 $ 165,000 $ 38,000
Currituck, North Carolina 2 $ 710,000 $ 355,000 $ 0
Moore, North Carolina 2 $ 260,000 $ 130,000 $ 0
Polk, North Carolina 2 $ 740,000 $ 370,000 $ 109,000
Robeson, North Carolina 2 $ 240,000 $ 120,000 $ 18,000
Surry, North Carolina 2 $ 240,000 $ 120,000 $ 101,000
Ashtabula, Ohio 2 $ 280,000 $ 140,000 $ 0
Clermont, Ohio 2 $ 330,000 $ 165,000 $ 29,000
Cuyahoga, Ohio 2 $ 360,000 $ 180,000 $ 39,000
Greene, Ohio 2 $ 380,000 $ 190,000 $ 31,000
Hamilton, Ohio 2 $ 360,000 $ 180,000 $ 0
Licking, Ohio 2 $ 280,000 $ 140,000 $ 32,000
Montgomery, Ohio 2 $ 300,000 $ 150,000 $ 20,000
Richland, Ohio 2 $ 390,000 $ 195,000 $ 61,000
Stark, Ohio 2 $ 380,000 $ 190,000 $ 61,000
Summit, Ohio 2 $ 460,000 $ 230,000 $ 109,000
Tuscarawas, Ohio 2 $ 380,000 $ 190,000 $ 41,000
Washington, Ohio 2 $ 410,000 $ 205,000 $ 54,000
Beckham, Oklahoma 2 $ 220,000 $ 110,000 $ 23,000
Kay, Oklahoma 2 $ 270,000 $ 135,000 $ 74,000
Wagoner, Oklahoma 2 $ 390,000 $ 195,000 $ 37,000
Malheur, Oregon 2 $ 230,000 $ 115,000 $ 0
Polk, Oregon 2 $ 690,000 $ 345,000 $ 57,000
Wasco, Oregon 2 $ 290,000 $ 145,000 $ 0
Bedford, Pennsylvania 2 $ 500,000 $ 250,000 $ 60,000
Cambria, Pennsylvania 2 $ 450,000 $ 225,000 $ 46,000
Crawford, Pennsylvania 2 $ 320,000 $ 160,000 $ 0
Dauphin, Pennsylvania 2 $ 280,000 $ 140,000 $ 0
Luzerne, Pennsylvania 2 $ 270,000 $ 135,000 $ 0
Monroe, Pennsylvania 2 $ 440,000 $ 220,000 $ 0
Washington, Pennsylvania 2 $ 580,000 $ 290,000 $ 0
Darlington, South Carolina 2 $ 530,000 $ 265,000 $ 0
Georgetown, South Carolina 2 $ 300,000 $ 150,000 $ 58,000
Bradley, Tennessee 2 $ 410,000 $ 205,000 $ 65,000
Franklin, Tennessee 2 $ 360,000 $ 180,000 $ 77,000
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Mortgage Loan Application Detail Totals for Low VA Rates, LLC in 2018

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 3,967 $977,225,000 $246,000 $1,505,000 $31,000 $4,200,000
Home Purchase 71 $15,925,000 $224,000 $465,000 $75,000 $166,000
Cash-out Refinancing 3 $655,000 $218,000 $365,000 $41,000 $54,000
Home Improvement 0 $0 $0 $0 $0 $0
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
White 2,045 $492,645,000 $240,000 $1,505,000 $38,000 $4,200,000
Black or African American 932 $233,090,000 $250,000 $805,000 $22,000 $305,000
Not Provided 563 $136,625,000 $242,000 $985,000 $24,000 $1,320,000
Hispanic 367 $92,845,000 $252,000 $895,000 $26,000 $238,000
Asian 53 $17,695,000 $333,000 $735,000 $34,000 $261,000
American Indian or Alaskan Native 52 $11,380,000 $218,000 $835,000 $23,000 $165,000
Native Hawaiian or Other Pacific Islander 29 $9,525,000 $328,000 $755,000 $36,000 $171,000
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) 3,801 $939,445,000 $247,000 $995,000 $26,000 $1,320,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 162 $38,350,000 $236,000 $1,505,000 $142,000 $4,200,000
FHA-insured (Federal Housing Administration) 44 $9,520,000 $216,000 $465,000 $73,000 $131,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 34 $6,490,000 $190,000 $355,000 $63,000 $104,000

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 2,218 $546,160,000 $246,000 $1,505,000 $33,000 $4,200,000
File Closed For Incompleteness 943 $228,825,000 $242,000 $895,000 $24,000 $550,000
Application Withdrawn By Applicant 594 $147,280,000 $247,000 $735,000 $28,000 $269,000
Application Denied By Financial Institution 282 $70,370,000 $249,000 $985,000 $51,000 $1,320,000
Application Approved But Not Accepted 4 $1,170,000 $292,000 $435,000 $40,000 $162,000
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 3,759 $923,435,000 $245,000 $1,505,000 $30,000 $4,200,000
Credit History 137 $33,245,000 $242,000 $745,000 $49,000 $1,320,000
Debt-To-Income Ratio 46 $13,490,000 $293,000 $985,000 $68,000 $129,000
Other 46 $11,070,000 $240,000 $585,000 $26,000 $150,000
Collateral 40 $10,180,000 $254,000 $725,000 $71,000 $172,000
Employment History 6 $950,000 $158,000 $205,000 $65,000 $171,000
Insufficient Cash (Downpayment, Closing Cost) 4 $940,000 $235,000 $405,000 $26,000 $46,000
Unverifiable Information 2 $440,000 $220,000 $265,000 $0 $0
Mortgage Insurance Denied 1 $55,000 $55,000 $55,000 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Low VA Rates, LLC's 2018 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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