Low VA Rates, LLC Mortgage Lending & HMDA Data, 2020

In 2020, Low VA Rates, LLC of Lindon, UT reported 12,505 mortgage applications totaling $3.1 billion, up 144% from 2019. The average application was for $248,767, and applicants reported an average income of $10,584. 72% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Las Vegas-Henderson-Paradise, NV (485), Washington-Arlington-Alexandria, DC-VA-MD-WV (328) and Atlanta-Sandy Springs-Roswell, GA (306) (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 12,505
Total Mortgage Loan Application Amount $3,110,835,000
Average Mortgage Loan Application Amount $248,767
Highest Mortgage Loan Application Amount $12,265,000
Average Applicant Income $10,584
Highest Applicant Income $1,711,000

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Act (HMDA) records Low VA Rates, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2020

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Clark, Nevada 485 $ 142,315,000 $ 293,432 $ 54,000
Maricopa, Arizona 232 $ 60,960,000 $ 262,758 $ 8,000
Bexar, Texas 176 $ 40,340,000 $ 229,204 $ 5,000
Utah, Utah 173 $ 54,545,000 $ 315,289 $ 95,000
Salt Lake, Utah 159 $ 46,915,000 $ 295,062 $ 59,000
Riverside, California 136 $ 42,810,000 $ 314,779 $ 10,000
Harris, Texas 134 $ 30,880,000 $ 230,447 $ 4,000
Tarrant, Texas 121 $ 27,545,000 $ 227,644 $ 7,000
Bell, Texas 113 $ 20,255,000 $ 179,247 $ 1,000
San Diego, California 104 $ 45,890,000 $ 441,250 $ 13,000
Hillsborough, Florida 96 $ 24,920,000 $ 259,583 $ 8,000
Pima, Arizona 94 $ 19,630,000 $ 208,829 $ 6,000
El Paso, Colorado 83 $ 24,175,000 $ 291,265 $ 6,000
Los Angeles, California 78 $ 45,470,000 $ 582,948 $ 9,000
El Paso, Texas 77 $ 13,915,000 $ 180,714 $ 3,000
San Bernardino, California 74 $ 20,970,000 $ 283,378 $ 12,000
Oklahoma, Oklahoma 74 $ 16,160,000 $ 218,378 $ 4,000
Cumberland, North Carolina 72 $ 13,240,000 $ 183,888 $ 3,000
Dallas, Texas 65 $ 15,225,000 $ 234,230 $ 4,000
Virginia Beach, Virginia 62 $ 16,190,000 $ 261,129 $ 4,000
Duval, Florida 61 $ 14,245,000 $ 233,524 $ 3,000
Mecklenburg, North Carolina 61 $ 13,695,000 $ 224,508 $ 2,000
Polk, Florida 60 $ 11,800,000 $ 196,666 $ 11,000
Prince George's, Maryland 60 $ 24,230,000 $ 403,833 $ 8,000
Broward, Florida 59 $ 18,375,000 $ 311,440 $ 12,000
Honolulu, Hawaii 57 $ 27,805,000 $ 487,807 $ 17,000
Cook, Illinois 54 $ 11,430,000 $ 211,666 $ 6,000
Gwinnett, Georgia 53 $ 14,005,000 $ 264,245 $ 2,000
Prince William, Virginia 53 $ 23,275,000 $ 439,150 $ 4,000
Richland, South Carolina 51 $ 10,125,000 $ 198,529 $ 6,000
Sacramento, California 50 $ 16,450,000 $ 329,000 $ 15,000
Onslow, North Carolina 50 $ 9,030,000 $ 180,600 $ 1,000
Mohave, Arizona 49 $ 8,865,000 $ 180,918 $ 4,000
Bernalillo, New Mexico 49 $ 11,835,000 $ 241,530 $ 0
Davis, Utah 49 $ 16,145,000 $ 329,489 $ 24,000
Weber, Utah 49 $ 13,005,000 $ 265,408 $ 20,000
Wake, North Carolina 47 $ 13,575,000 $ 288,829 $ 9,000
Brevard, Florida 46 $ 9,340,000 $ 203,043 $ 7,000
Pinal, Arizona 45 $ 9,245,000 $ 205,444 $ 0
Washoe, Nevada 45 $ 13,555,000 $ 301,222 $ 15,000
Franklin, Ohio 44 $ 8,490,000 $ 192,954 $ 4,000
Denton, Texas 44 $ 12,970,000 $ 294,772 $ 4,000
Jackson, Missouri 43 $ 8,205,000 $ 190,813 $ 1,000
Tulsa, Oklahoma 43 $ 8,645,000 $ 201,046 $ 5,000
Fairfax, Virginia 43 $ 24,665,000 $ 573,604 $ 6,000
Marion, Indiana 41 $ 6,655,000 $ 162,317 $ 2,000
Collin, Texas 41 $ 14,005,000 $ 341,585 $ 5,000
Pinellas, Florida 40 $ 8,570,000 $ 214,250 $ 1,000
Montgomery, Tennessee 40 $ 8,160,000 $ 204,000 $ 0
Stafford, Virginia 40 $ 15,840,000 $ 396,000 $ 0
Chesapeake, Virginia 39 $ 10,255,000 $ 262,948 $ 7,000
Anchorage, Alaska 38 $ 12,780,000 $ 336,315 $ 4,000
Fresno, California 38 $ 10,160,000 $ 267,368 $ 0
Kern, California 38 $ 7,730,000 $ 203,421 $ 4,000
Lee, Florida 38 $ 8,980,000 $ 236,315 $ 7,000
Orange, Florida 38 $ 11,940,000 $ 314,210 $ 1,000
Pulaski, Arkansas 37 $ 7,425,000 $ 200,675 $ 1,000
Pasco, Florida 37 $ 8,075,000 $ 218,243 $ 13,000
Volusia, Florida 37 $ 7,575,000 $ 204,729 $ 7,000
Lane, Oregon 37 $ 10,315,000 $ 278,783 $ 1,000
Yavapai, Arizona 36 $ 7,960,000 $ 221,111 $ 7,000
Jefferson, Kentucky 36 $ 6,590,000 $ 183,055 $ 1,000
St. Louis, Missouri 36 $ 8,260,000 $ 229,444 $ 7,000
Cleveland, Oklahoma 36 $ 6,780,000 $ 188,333 $ 0
Guadalupe, Texas 36 $ 9,130,000 $ 253,611 $ 5,000
Marion, Florida 35 $ 6,485,000 $ 185,285 $ 1,000
Williamson, Texas 35 $ 9,125,000 $ 260,714 $ 28,000
Palm Beach, Florida 34 $ 11,980,000 $ 352,352 $ 26,000
Fulton, Georgia 34 $ 9,430,000 $ 277,352 $ 10,000
Ada, Idaho 34 $ 10,240,000 $ 301,176 $ 1,000
Sedgwick, Kansas 34 $ 6,380,000 $ 187,647 $ 0
Chesterfield, Virginia 34 $ 9,460,000 $ 278,235 $ 0
Okaloosa, Florida 33 $ 7,085,000 $ 214,696 $ 8,000
Horry, South Carolina 33 $ 6,775,000 $ 205,303 $ 11,000
Montgomery, Texas 33 $ 8,525,000 $ 258,333 $ 9,000
Henry, Georgia 32 $ 7,360,000 $ 230,000 $ 0
Fort Bend, Texas 32 $ 8,910,000 $ 278,437 $ 6,000
Norfolk, Virginia 32 $ 7,090,000 $ 221,562 $ 5,000
St. Lucie, Florida 31 $ 7,015,000 $ 226,290 $ 12,000
Houston, Georgia 31 $ 6,175,000 $ 199,193 $ 0
Travis, Texas 31 $ 8,715,000 $ 281,129 $ 14,000
Madison, Alabama 30 $ 7,100,000 $ 236,666 $ 6,000
Osceola, Florida 30 $ 7,660,000 $ 255,333 $ 2,000
Kootenai, Idaho 30 $ 8,260,000 $ 275,333 $ 16,000
Berkeley, South Carolina 30 $ 7,530,000 $ 251,000 $ 0
Washington, Utah 30 $ 7,880,000 $ 262,666 $ 18,000
Kent, Delaware 29 $ 6,785,000 $ 233,965 $ 4,000
Charles, Maryland 29 $ 10,025,000 $ 345,689 $ 5,000
Hampton, Virginia 29 $ 6,185,000 $ 213,275 $ 0
Pierce, Washington 29 $ 8,325,000 $ 287,068 $ 13,000
Orange, California 28 $ 14,660,000 $ 523,571 $ 18,000
Lake, Florida 28 $ 6,230,000 $ 222,500 $ 3,000
Contra Costa, California 27 $ 12,755,000 $ 472,407 $ 4,000
Hernando, Florida 27 $ 5,145,000 $ 190,555 $ 5,000
Columbia, Georgia 27 $ 6,055,000 $ 224,259 $ 5,000
DeKalb, Georgia 27 $ 4,835,000 $ 179,074 $ 2,000
Hoke, North Carolina 27 $ 5,255,000 $ 194,629 $ 2,000
Arapahoe, Colorado 26 $ 8,490,000 $ 326,538 $ 11,000
Anne Arundel, Maryland 26 $ 9,640,000 $ 370,769 $ 0
Wayne, Michigan 26 $ 5,250,000 $ 201,923 $ 13,000
Newport News, Virginia 26 $ 5,880,000 $ 226,153 $ 2,000
San Joaquin, California 25 $ 7,885,000 $ 315,400 $ 7,000
Solano, California 25 $ 9,225,000 $ 369,000 $ 20,000
Clay, Florida 25 $ 5,865,000 $ 234,600 $ 0
Miami-Dade, Florida 25 $ 8,125,000 $ 325,000 $ 37,000
Lexington, South Carolina 25 $ 5,185,000 $ 207,400 $ 8,000
Richmond, Georgia 24 $ 4,390,000 $ 182,916 $ 0
Lyon, Nevada 24 $ 5,290,000 $ 220,416 $ 1,000
Harnett, North Carolina 24 $ 5,040,000 $ 210,000 $ 0
Canadian, Oklahoma 24 $ 5,360,000 $ 223,333 $ 3,000
Multnomah, Oregon 24 $ 6,640,000 $ 276,666 $ 17,000
Santa Rosa, Florida 23 $ 7,265,000 $ 315,869 $ 4,000
Polk, Iowa 23 $ 4,595,000 $ 199,782 $ 0
Philadelphia, Pennsylvania 23 $ 4,655,000 $ 202,391 $ 7,000
District of Columbia, District Of Columbia 22 $ 11,120,000 $ 505,454 $ 26,000
Chatham, Georgia 22 $ 4,570,000 $ 207,727 $ 1,000
DeSoto, Mississippi 22 $ 4,890,000 $ 222,272 $ 6,000
St. Charles, Missouri 22 $ 5,660,000 $ 257,272 $ 0
Hamilton, Ohio 22 $ 3,950,000 $ 179,545 $ 0
Dorchester, South Carolina 22 $ 5,340,000 $ 242,727 $ 12,000
Greenville, South Carolina 22 $ 4,870,000 $ 221,363 $ 0
York, South Carolina 22 $ 5,110,000 $ 232,272 $ 0
Nueces, Texas 22 $ 4,800,000 $ 218,181 $ 0
Jefferson, Alabama 21 $ 4,125,000 $ 196,428 $ 6,000
Mobile, Alabama 21 $ 3,195,000 $ 152,142 $ 0
Matanuska-Susitna, Alaska 21 $ 6,305,000 $ 300,238 $ 7,000
Clayton, Georgia 21 $ 3,595,000 $ 171,190 $ 0
Cobb, Georgia 21 $ 5,565,000 $ 265,000 $ 4,000
Muscogee, Georgia 21 $ 3,725,000 $ 177,380 $ 12,000
Will, Illinois 21 $ 5,235,000 $ 249,285 $ 6,000
Macomb, Michigan 21 $ 4,015,000 $ 191,190 $ 1,000
Jefferson, Missouri 21 $ 4,065,000 $ 193,571 $ 5,000
Nye, Nevada 21 $ 3,945,000 $ 187,857 $ 0
Cuyahoga, Ohio 21 $ 2,845,000 $ 135,476 $ 0
Shelby, Tennessee 21 $ 4,735,000 $ 225,476 $ 0
Taylor, Texas 21 $ 4,265,000 $ 203,095 $ 0
Jefferson, Colorado 20 $ 6,480,000 $ 324,000 $ 2,000
New Castle, Delaware 20 $ 5,250,000 $ 262,500 $ 9,000
Douglas, Nebraska 20 $ 4,000,000 $ 200,000 $ 6,000
Marion, Oregon 20 $ 6,120,000 $ 306,000 $ 0
Tooele, Utah 20 $ 5,020,000 $ 251,000 $ 14,000
Benton, Arkansas 19 $ 3,685,000 $ 193,947 $ 2,000
Ventura, California 19 $ 10,085,000 $ 530,789 $ 0
Douglas, Colorado 19 $ 7,865,000 $ 413,947 $ 7,000
Ocean, New Jersey 19 $ 4,225,000 $ 222,368 $ 0
Clackamas, Oregon 19 $ 7,285,000 $ 383,421 $ 2,000
Douglas, Oregon 19 $ 3,625,000 $ 190,789 $ 1,000
Coryell, Texas 19 $ 3,205,000 $ 168,684 $ 0
Cochise, Arizona 18 $ 3,200,000 $ 177,777 $ 1,000
Alameda, California 18 $ 10,350,000 $ 575,000 $ 2,000
Stanislaus, California 18 $ 5,800,000 $ 322,222 $ 25,000
Weld, Colorado 18 $ 5,400,000 $ 300,000 $ 4,000
St. Clair, Illinois 18 $ 3,600,000 $ 200,000 $ 0
Lake, Indiana 18 $ 3,080,000 $ 171,111 $ 0
Harford, Maryland 18 $ 6,150,000 $ 341,666 $ 3,000
Dona Ana, New Mexico 18 $ 3,770,000 $ 209,444 $ 7,000
Comanche, Oklahoma 18 $ 3,770,000 $ 209,444 $ 0
York, Pennsylvania 18 $ 3,710,000 $ 206,111 $ 0
Rutherford, Tennessee 18 $ 4,160,000 $ 231,111 $ 0
Comal, Texas 18 $ 5,860,000 $ 325,555 $ 1,000
Parker, Texas 18 $ 4,250,000 $ 236,111 $ 0
Laramie, Wyoming 18 $ 5,030,000 $ 279,444 $ 4,000
Sussex, Delaware 17 $ 5,155,000 $ 303,235 $ 14,000
Escambia, Florida 17 $ 2,925,000 $ 172,058 $ 0
Cherokee, Georgia 17 $ 4,645,000 $ 273,235 $ 18,000
Johnson, Kansas 17 $ 4,085,000 $ 240,294 $ 1,000
Guilford, North Carolina 17 $ 3,665,000 $ 215,588 $ 0
Jackson, Oregon 17 $ 4,795,000 $ 282,058 $ 0
Cameron, Texas 17 $ 2,735,000 $ 160,882 $ 0
Ellis, Texas 17 $ 4,315,000 $ 253,823 $ 9,000
Hidalgo, Texas 17 $ 3,745,000 $ 220,294 $ 6,000
Spotsylvania, Virginia 17 $ 5,585,000 $ 328,529 $ 23,000
Baldwin, Alabama 16 $ 3,240,000 $ 202,500 $ 0
Adams, Colorado 16 $ 5,120,000 $ 320,000 $ 12,000
Charlotte, Florida 16 $ 3,210,000 $ 200,625 $ 2,000
Paulding, Georgia 16 $ 4,330,000 $ 270,625 $ 0
Canyon, Idaho 16 $ 3,460,000 $ 216,250 $ 0
Hamilton, Indiana 16 $ 4,470,000 $ 279,375 $ 0
Jefferson, Louisiana 16 $ 3,960,000 $ 247,500 $ 24,000
Oakland, Michigan 16 $ 3,810,000 $ 238,125 $ 6,000
Clay, Missouri 16 $ 3,660,000 $ 228,750 $ 0
Sarpy, Nebraska 16 $ 3,520,000 $ 220,000 $ 0
Washington, Oregon 16 $ 5,680,000 $ 355,000 $ 9,000
Loudoun, Virginia 16 $ 9,640,000 $ 602,500 $ 0
York, Virginia 16 $ 4,950,000 $ 309,375 $ 4,000
Milwaukee, Wisconsin 16 $ 2,380,000 $ 148,750 $ 0
Fairbanks North Star, Alaska 15 $ 3,425,000 $ 228,333 $ 9,000
Yuma, Arizona 15 $ 3,115,000 $ 207,666 $ 0
Placer, California 15 $ 6,115,000 $ 407,666 $ 23,000
Flagler, Florida 15 $ 2,905,000 $ 193,666 $ 0
St. Johns, Florida 15 $ 4,785,000 $ 319,000 $ 0
Scott, Iowa 15 $ 2,895,000 $ 193,000 $ 0
Bossier, Louisiana 15 $ 3,635,000 $ 242,333 $ 0
Caddo, Louisiana 15 $ 2,565,000 $ 171,000 $ 0
Baltimore, Maryland 15 $ 3,885,000 $ 259,000 $ 9,000
Montgomery, Maryland 15 $ 5,685,000 $ 379,000 $ 0
Elko, Nevada 15 $ 3,785,000 $ 252,333 $ 20,000
Union, North Carolina 15 $ 4,025,000 $ 268,333 $ 15,000
Montgomery, Ohio 15 $ 2,275,000 $ 151,666 $ 0
Cumberland, Pennsylvania 15 $ 3,265,000 $ 217,666 $ 0
Charleston, South Carolina 15 $ 4,945,000 $ 329,666 $ 0
Johnson, Texas 15 $ 3,735,000 $ 249,000 $ 3,000
Portsmouth, Virginia 15 $ 2,805,000 $ 187,000 $ 7,000
Shelby, Alabama 14 $ 2,950,000 $ 210,714 $ 0
Santa Clara, California 14 $ 9,490,000 $ 677,857 $ 24,000
Manatee, Florida 14 $ 3,860,000 $ 275,714 $ 2,000
Sarasota, Florida 14 $ 2,800,000 $ 200,000 $ 2,000
Seminole, Florida 14 $ 3,360,000 $ 240,000 $ 19,000
Liberty, Georgia 14 $ 2,360,000 $ 168,571 $ 0
Allen, Indiana 14 $ 2,190,000 $ 156,428 $ 0
Durham, North Carolina 14 $ 3,450,000 $ 246,428 $ 0
Gaston, North Carolina 14 $ 2,790,000 $ 199,285 $ 11,000
Lucas, Ohio 14 $ 2,330,000 $ 166,428 $ 0
Summit, Ohio 14 $ 2,490,000 $ 177,857 $ 8,000
Linn, Oregon 14 $ 3,600,000 $ 257,142 $ 5,000
Spartanburg, South Carolina 14 $ 2,750,000 $ 196,428 $ 0
Davidson, Tennessee 14 $ 2,940,000 $ 210,000 $ 2,000
Knox, Tennessee 14 $ 3,330,000 $ 237,857 $ 11,000
Suffolk, Virginia 14 $ 3,580,000 $ 255,714 $ 0
Dane, Wisconsin 14 $ 3,990,000 $ 285,000 $ 0
Tulare, California 13 $ 2,795,000 $ 215,000 $ 2,000
Citrus, Florida 13 $ 1,905,000 $ 146,538 $ 0
Coweta, Georgia 13 $ 2,835,000 $ 218,076 $ 13,000
Madison, Illinois 13 $ 2,415,000 $ 185,769 $ 36,000
Pottawattamie, Iowa 13 $ 2,295,000 $ 176,538 $ 11,000
Hardin, Kentucky 13 $ 2,455,000 $ 188,846 $ 0
Christian, Missouri 13 $ 2,735,000 $ 210,384 $ 8,000
Hillsborough, New Hampshire 13 $ 3,525,000 $ 271,153 $ 124,000
Rockingham, New Hampshire 13 $ 3,995,000 $ 307,307 $ 14,000
Burlington, New Jersey 13 $ 2,795,000 $ 215,000 $ 0
Craven, North Carolina 13 $ 2,125,000 $ 163,461 $ 20,000
Johnston, North Carolina 13 $ 2,795,000 $ 215,000 $ 0
Butler, Ohio 13 $ 2,075,000 $ 159,615 $ 0
Coos, Oregon 13 $ 2,945,000 $ 226,538 $ 6,000
Allegheny, Pennsylvania 13 $ 2,515,000 $ 193,461 $ 6,000
Montgomery, Pennsylvania 13 $ 3,095,000 $ 238,076 $ 24,000
Sumter, South Carolina 13 $ 2,135,000 $ 164,230 $ 0
Bowie, Texas 13 $ 2,285,000 $ 175,769 $ 0
Galveston, Texas 13 $ 2,595,000 $ 199,615 $ 12,000
McLennan, Texas 13 $ 2,885,000 $ 221,923 $ 0
Henrico, Virginia 13 $ 3,075,000 $ 236,538 $ 20,000
Snohomish, Washington 13 $ 5,455,000 $ 419,615 $ 16,000
Houston, Alabama 12 $ 2,040,000 $ 170,000 $ 5,000
Montgomery, Alabama 12 $ 2,110,000 $ 175,833 $ 0
Saline, Arkansas 12 $ 2,540,000 $ 211,666 $ 23,000
Kings, California 12 $ 3,020,000 $ 251,666 $ 7,000
Lowndes, Georgia 12 $ 2,040,000 $ 170,000 $ 0
York, Maine 12 $ 3,000,000 $ 250,000 $ 5,000
Anoka, Minnesota 12 $ 3,230,000 $ 269,166 $ 0
Cascade, Montana 12 $ 2,230,000 $ 185,833 $ 7,000
Gloucester, New Jersey 12 $ 2,360,000 $ 196,666 $ 0
Brunswick, North Carolina 12 $ 2,470,000 $ 205,833 $ 0
Forsyth, North Carolina 12 $ 2,720,000 $ 226,666 $ 7,000
Brazoria, Texas 12 $ 3,070,000 $ 255,833 $ 0
Wilson, Texas 12 $ 3,320,000 $ 276,666 $ 0
Berkeley, West Virginia 12 $ 2,510,000 $ 209,166 $ 0
Lonoke, Arkansas 11 $ 1,875,000 $ 170,454 $ 8,000
Fayette, Georgia 11 $ 3,895,000 $ 354,090 $ 16,000
DuPage, Illinois 11 $ 2,925,000 $ 265,909 $ 21,000
Hendricks, Indiana 11 $ 2,615,000 $ 237,727 $ 0
Boone, Kentucky 11 $ 2,855,000 $ 259,545 $ 0
Greene, Missouri 11 $ 1,945,000 $ 176,818 $ 0
Taney, Missouri 11 $ 1,915,000 $ 174,090 $ 0
Atlantic, New Jersey 11 $ 2,205,000 $ 200,454 $ 6,000
Sandoval, New Mexico 11 $ 3,065,000 $ 278,636 $ 0
Rowan, North Carolina 11 $ 1,985,000 $ 180,454 $ 4,000
Licking, Ohio 11 $ 2,105,000 $ 191,363 $ 0
Berks, Pennsylvania 11 $ 2,325,000 $ 211,363 $ 0
Delaware, Pennsylvania 11 $ 2,365,000 $ 215,000 $ 0
Providence, Rhode Island 11 $ 3,055,000 $ 277,727 $ 0
Hays, Texas 11 $ 2,865,000 $ 260,454 $ 8,000
Lubbock, Texas 11 $ 2,465,000 $ 224,090 $ 0
Rockwall, Texas 11 $ 3,245,000 $ 295,000 $ 0
Smith, Texas 11 $ 2,495,000 $ 226,818 $ 5,000
Box Elder, Utah 11 $ 2,435,000 $ 221,363 $ 18,000
King, Washington 11 $ 4,305,000 $ 391,363 $ 34,000
Thurston, Washington 11 $ 3,455,000 $ 314,090 $ 35,000
Shasta, California 10 $ 3,150,000 $ 315,000 $ 8,000
Sumter, Florida 10 $ 2,250,000 $ 225,000 $ 14,000
Camden, Georgia 10 $ 1,810,000 $ 181,000 $ 0
Twin Falls, Idaho 10 $ 1,920,000 $ 192,000 $ 19,000
Christian, Kentucky 10 $ 1,400,000 $ 140,000 $ 0
Genesee, Michigan 10 $ 1,450,000 $ 145,000 $ 0
Cass, Missouri 10 $ 1,960,000 $ 196,000 $ 9,000
Johnson, Missouri 10 $ 2,110,000 $ 211,000 $ 17,000
Yellowstone, Montana 10 $ 2,570,000 $ 257,000 $ 0
Camden, New Jersey 10 $ 1,870,000 $ 187,000 $ 0
Cabarrus, North Carolina 10 $ 2,600,000 $ 260,000 $ 14,000
Moore, North Carolina 10 $ 2,630,000 $ 263,000 $ 0
New Hanover, North Carolina 10 $ 2,460,000 $ 246,000 $ 0
Randolph, North Carolina 10 $ 1,840,000 $ 184,000 $ 0
Logan, Oklahoma 10 $ 2,070,000 $ 207,000 $ 12,000
Wagoner, Oklahoma 10 $ 2,490,000 $ 249,000 $ 0
Deschutes, Oregon 10 $ 3,020,000 $ 302,000 $ 9,000
Bucks, Pennsylvania 10 $ 3,070,000 $ 307,000 $ 14,000
Lehigh, Pennsylvania 10 $ 2,150,000 $ 215,000 $ 0
Aiken, South Carolina 10 $ 1,890,000 $ 189,000 $ 0
Beaufort, South Carolina 10 $ 3,010,000 $ 301,000 $ 0
Kershaw, South Carolina 10 $ 1,990,000 $ 199,000 $ 0
Randall, Texas 10 $ 2,080,000 $ 208,000 $ 11,000
Cache, Utah 10 $ 2,420,000 $ 242,000 $ 39,000
Summit, Utah 10 $ 4,080,000 $ 408,000 $ 142,000
King George, Virginia 10 $ 3,160,000 $ 316,000 $ 0
Clark, Washington 10 $ 3,210,000 $ 321,000 $ 0
Spokane, Washington 10 $ 2,680,000 $ 268,000 $ 12,000
Coffee, Alabama 9 $ 1,515,000 $ 168,333 $ 16,000
Washington, Arkansas 9 $ 1,855,000 $ 206,111 $ 16,000
Madera, California 9 $ 2,295,000 $ 255,000 $ 7,000
Yuba, California 9 $ 2,235,000 $ 248,333 $ 0
Bryan, Georgia 9 $ 2,025,000 $ 225,000 $ 13,000
Douglas, Georgia 9 $ 1,885,000 $ 209,444 $ 0
Forsyth, Georgia 9 $ 2,325,000 $ 258,333 $ 0
Rockdale, Georgia 9 $ 2,045,000 $ 227,222 $ 0
Maui, Hawaii 9 $ 3,745,000 $ 416,111 $ 45,000
Kane, Illinois 9 $ 2,245,000 $ 249,444 $ 8,000
Porter, Indiana 9 $ 1,745,000 $ 193,888 $ 0
Leavenworth, Kansas 9 $ 1,885,000 $ 209,444 $ 38,000
Shawnee, Kansas 9 $ 1,605,000 $ 178,333 $ 7,000
East Baton Rouge, Louisiana 9 $ 2,405,000 $ 267,222 $ 7,000
Kent, Michigan 9 $ 1,505,000 $ 167,222 $ 0
Dakota, Minnesota 9 $ 2,015,000 $ 223,888 $ 0
Hennepin, Minnesota 9 $ 2,475,000 $ 275,000 $ 0
Lancaster, Nebraska 9 $ 1,825,000 $ 202,777 $ 0
Middlesex, New Jersey 9 $ 2,645,000 $ 293,888 $ 16,000
Greene, Ohio 9 $ 2,005,000 $ 222,777 $ 0
Stark, Ohio 9 $ 1,225,000 $ 136,111 $ 0
Trumbull, Ohio 9 $ 1,435,000 $ 159,444 $ 0
Franklin, Pennsylvania 9 $ 2,165,000 $ 240,555 $ 4,000
Florence, South Carolina 9 $ 1,625,000 $ 180,555 $ 0
Sumner, Tennessee 9 $ 2,235,000 $ 248,333 $ 9,000
Grayson, Texas 9 $ 2,615,000 $ 290,555 $ 24,000
Kitsap, Washington 9 $ 2,625,000 $ 291,666 $ 171,000
Jefferson, West Virginia 9 $ 2,895,000 $ 321,666 $ 14,000
Natrona, Wyoming 9 $ 2,545,000 $ 282,777 $ 0
Elmore, Alabama 8 $ 1,600,000 $ 200,000 $ 0
Tuscaloosa, Alabama 8 $ 1,600,000 $ 200,000 $ 0
Santa Barbara, California 8 $ 3,040,000 $ 380,000 $ 6,000
New Haven, Connecticut 8 $ 1,700,000 $ 212,500 $ 0
Bay, Florida 8 $ 1,970,000 $ 246,250 $ 17,000
Walton, Florida 8 $ 1,660,000 $ 207,500 $ 18,000
Newton, Georgia 8 $ 1,930,000 $ 241,250 $ 21,000
McHenry, Illinois 8 $ 1,620,000 $ 202,500 $ 20,000
Hancock, Indiana 8 $ 1,740,000 $ 217,500 $ 0
St. Joseph, Indiana 8 $ 1,120,000 $ 140,000 $ 0
Madison, Kentucky 8 $ 1,810,000 $ 226,250 $ 0
Lafayette, Louisiana 8 $ 1,260,000 $ 157,500 $ 0
Carroll, Maryland 8 $ 2,220,000 $ 277,500 $ 0
St. Mary's, Maryland 8 $ 2,210,000 $ 276,250 $ 0
Calhoun, Michigan 8 $ 1,280,000 $ 160,000 $ 0
Harrison, Mississippi 8 $ 1,690,000 $ 211,250 $ 0
Douglas, Nevada 8 $ 1,980,000 $ 247,500 $ 10,000
Otero, New Mexico 8 $ 1,920,000 $ 240,000 $ 48,000
Fairfield, Ohio 8 $ 1,720,000 $ 215,000 $ 0
Mahoning, Ohio 8 $ 1,520,000 $ 190,000 $ 0
Medina, Ohio 8 $ 1,750,000 $ 218,750 $ 12,000
Portage, Ohio 8 $ 1,840,000 $ 230,000 $ 0
Josephine, Oregon 8 $ 1,550,000 $ 193,750 $ 0
Yamhill, Oregon 8 $ 2,390,000 $ 298,750 $ 0
Butler, Pennsylvania 8 $ 1,870,000 $ 233,750 $ 11,000
Lancaster, Pennsylvania 8 $ 1,290,000 $ 161,250 $ 0
Hamilton, Tennessee 8 $ 1,590,000 $ 198,750 $ 0
Robertson, Tennessee 8 $ 2,450,000 $ 306,250 $ 0
Alexandria, Virginia 8 $ 3,760,000 $ 470,000 $ 0
Calhoun, Alabama 7 $ 1,085,000 $ 155,000 $ 0
Morgan, Alabama 7 $ 1,525,000 $ 217,857 $ 0
Kenai Peninsula, Alaska 7 $ 1,935,000 $ 276,428 $ 0
Craighead, Arkansas 7 $ 1,265,000 $ 180,714 $ 28,000
San Luis Obispo, California 7 $ 3,285,000 $ 469,285 $ 0
Sonoma, California 7 $ 3,765,000 $ 537,857 $ 0
Denver, Colorado 7 $ 1,975,000 $ 282,142 $ 4,000
Larimer, Colorado 7 $ 2,225,000 $ 317,857 $ 0
Mesa, Colorado 7 $ 1,355,000 $ 193,571 $ 0
Pueblo, Colorado 7 $ 1,215,000 $ 173,571 $ 12,000
Hartford, Connecticut 7 $ 1,465,000 $ 209,285 $ 0
Alachua, Florida 7 $ 1,465,000 $ 209,285 $ 0
Indian River, Florida 7 $ 1,605,000 $ 229,285 $ 4,000
Leon, Florida 7 $ 1,465,000 $ 209,285 $ 0
Nassau, Florida 7 $ 1,645,000 $ 235,000 $ 0
Bibb, Georgia 7 $ 1,065,000 $ 152,142 $ 9,000
Carroll, Georgia 7 $ 1,235,000 $ 176,428 $ 9,000
Long, Georgia 7 $ 1,435,000 $ 205,000 $ 11,000
Bonneville, Idaho 7 $ 1,475,000 $ 210,714 $ 0
Sangamon, Illinois 7 $ 1,335,000 $ 190,714 $ 25,000
Vanderburgh, Indiana 7 $ 1,055,000 $ 150,714 $ 0
Kenton, Kentucky 7 $ 1,145,000 $ 163,571 $ 0
St. Tammany, Louisiana 7 $ 1,685,000 $ 240,714 $ 0
Cumberland, Maine 7 $ 2,615,000 $ 373,571 $ 0
Baltimore City, Maryland 7 $ 1,495,000 $ 213,571 $ 0
Howard, Maryland 7 $ 3,075,000 $ 439,285 $ 20,000
Washington, Maryland 7 $ 1,765,000 $ 252,142 $ 0
Muskegon, Michigan 7 $ 925,000 $ 132,142 $ 0
Gallatin, Montana 7 $ 1,945,000 $ 277,857 $ 5,000
Ravalli, Montana 7 $ 2,285,000 $ 326,428 $ 0
Carson City, Nevada 7 $ 1,645,000 $ 235,000 $ 11,000
Strafford, New Hampshire 7 $ 2,195,000 $ 313,571 $ 0
Curry, New Mexico 7 $ 1,075,000 $ 153,571 $ 0
Buncombe, North Carolina 7 $ 2,455,000 $ 350,714 $ 0
Pender, North Carolina 7 $ 1,515,000 $ 216,428 $ 0
Pitt, North Carolina 7 $ 1,285,000 $ 183,571 $ 0
Clermont, Ohio 7 $ 1,285,000 $ 183,571 $ 6,000
Warren, Ohio 7 $ 1,435,000 $ 205,000 $ 0
Rogers, Oklahoma 7 $ 1,155,000 $ 165,000 $ 0
Klamath, Oregon 7 $ 1,425,000 $ 203,571 $ 3,000
Chester, Pennsylvania 7 $ 2,165,000 $ 309,285 $ 0
Erie, Pennsylvania 7 $ 1,045,000 $ 149,285 $ 21,000
Luzerne, Pennsylvania 7 $ 1,885,000 $ 269,285 $ 0
Monroe, Pennsylvania 7 $ 1,045,000 $ 149,285 $ 14,000
Northampton, Pennsylvania 7 $ 1,775,000 $ 253,571 $ 0
Westmoreland, Pennsylvania 7 $ 1,365,000 $ 195,000 $ 0
Franklin, Tennessee 7 $ 1,365,000 $ 195,000 $ 11,000
Medina, Texas 7 $ 1,715,000 $ 245,000 $ 12,000
San Patricio, Texas 7 $ 1,755,000 $ 250,714 $ 0
Iron, Utah 7 $ 1,435,000 $ 205,000 $ 0
Wasatch, Utah 7 $ 2,085,000 $ 297,857 $ 117,000
Frederick, Virginia 7 $ 2,045,000 $ 292,142 $ 36,000
Hanover, Virginia 7 $ 1,905,000 $ 272,142 $ 0
Roanoke, Virginia 7 $ 1,365,000 $ 195,000 $ 0
Outagamie, Wisconsin 7 $ 1,345,000 $ 192,142 $ 0
Racine, Wisconsin 7 $ 1,215,000 $ 173,571 $ 0
St. Croix, Wisconsin 7 $ 1,815,000 $ 259,285 $ 0
Waukesha, Wisconsin 7 $ 2,045,000 $ 292,142 $ 0
Limestone, Alabama 6 $ 1,260,000 $ 210,000 $ 0
Gila, Arizona 6 $ 1,110,000 $ 185,000 $ 0
Navajo, Arizona 6 $ 750,000 $ 125,000 $ 8,000
Faulkner, Arkansas 6 $ 870,000 $ 145,000 $ 0
Garland, Arkansas 6 $ 870,000 $ 145,000 $ 0
Imperial, California 6 $ 1,590,000 $ 265,000 $ 20,000
Merced, California 6 $ 1,880,000 $ 313,333 $ 29,000
Monterey, California 6 $ 3,620,000 $ 603,333 $ 0
Highlands, Florida 6 $ 870,000 $ 145,000 $ 0
Effingham, Georgia 6 $ 1,120,000 $ 186,666 $ 0
Glynn, Georgia 6 $ 1,130,000 $ 188,333 $ 0
Hawaii, Hawaii 6 $ 1,740,000 $ 290,000 $ 21,000
Madison, Indiana 6 $ 800,000 $ 133,333 $ 0
Morgan, Indiana 6 $ 910,000 $ 151,666 $ 0
Woodbury, Iowa 6 $ 1,070,000 $ 178,333 $ 0
Douglas, Kansas 6 $ 1,260,000 $ 210,000 $ 0
Pottawatomie, Kansas 6 $ 1,410,000 $ 235,000 $ 0
Calcasieu, Louisiana 6 $ 930,000 $ 155,000 $ 0
Orleans, Louisiana 6 $ 1,420,000 $ 236,666 $ 12,000
Oxford, Maine 6 $ 940,000 $ 156,666 $ 0
Cecil, Maryland 6 $ 1,480,000 $ 246,666 $ 0
Frederick, Maryland 6 $ 2,730,000 $ 455,000 $ 0
Livingston, Michigan 6 $ 1,720,000 $ 286,666 $ 0
Van Buren, Michigan 6 $ 1,000,000 $ 166,666 $ 0
Boone, Missouri 6 $ 1,290,000 $ 215,000 $ 0
Jasper, Missouri 6 $ 1,000,000 $ 166,666 $ 0
Lewis and Clark, Montana 6 $ 1,780,000 $ 296,666 $ 0
Monmouth, New Jersey 6 $ 2,500,000 $ 416,666 $ 0
Union, New Jersey 6 $ 2,280,000 $ 380,000 $ 0
Santa Fe, New Mexico 6 $ 2,510,000 $ 418,333 $ 6,000
Carteret, North Carolina 6 $ 1,040,000 $ 173,333 $ 0
Davidson, North Carolina 6 $ 1,380,000 $ 230,000 $ 15,000
Wayne, North Carolina 6 $ 800,000 $ 133,333 $ 10,000
Ward, North Dakota 6 $ 1,410,000 $ 235,000 $ 16,000
Lorain, Ohio 6 $ 880,000 $ 146,666 $ 0
Miami, Ohio 6 $ 1,600,000 $ 266,666 $ 58,000
Osage, Oklahoma 6 $ 1,550,000 $ 258,333 $ 0
Pittsburg, Oklahoma 6 $ 1,200,000 $ 200,000 $ 0
Lincoln, Oregon 6 $ 1,380,000 $ 230,000 $ 23,000
Dauphin, Pennsylvania 6 $ 1,310,000 $ 218,333 $ 0
Lebanon, Pennsylvania 6 $ 930,000 $ 155,000 $ 0
Blount, Tennessee 6 $ 1,350,000 $ 225,000 $ 0
Bradley, Tennessee 6 $ 1,410,000 $ 235,000 $ 0
Greene, Tennessee 6 $ 890,000 $ 148,333 $ 0
Maury, Tennessee 6 $ 1,300,000 $ 216,666 $ 0
Sevier, Tennessee 6 $ 970,000 $ 161,666 $ 0
Washington, Tennessee 6 $ 1,240,000 $ 206,666 $ 0
Williamson, Tennessee 6 $ 2,180,000 $ 363,333 $ 285,000
Wilson, Tennessee 6 $ 1,350,000 $ 225,000 $ 0
Henderson, Texas 6 $ 1,070,000 $ 178,333 $ 0
Webb, Texas 6 $ 1,070,000 $ 178,333 $ 17,000
Bedford, Virginia 6 $ 1,250,000 $ 208,333 $ 7,000
Island, Washington 6 $ 2,420,000 $ 403,333 $ 36,000
Brown, Wisconsin 6 $ 1,110,000 $ 185,000 $ 15,000
Fond du Lac, Wisconsin 6 $ 1,040,000 $ 173,333 $ 0
Jefferson, Wisconsin 6 $ 1,830,000 $ 305,000 $ 0
Kenosha, Wisconsin 6 $ 1,110,000 $ 185,000 $ 17,000
Portage, Wisconsin 6 $ 1,620,000 $ 270,000 $ 7,000
Sheboygan, Wisconsin 6 $ 860,000 $ 143,333 $ 0
Dale, Alabama 5 $ 615,000 $ 123,000 $ 18,000
Lee, Alabama 5 $ 865,000 $ 173,000 $ 0
Russell, Alabama 5 $ 955,000 $ 191,000 $ 0
Coconino, Arizona 5 $ 1,575,000 $ 315,000 $ 0
Miller, Arkansas 5 $ 845,000 $ 169,000 $ 0
Randolph, Arkansas 5 $ 885,000 $ 177,000 $ 0
Calaveras, California 5 $ 1,745,000 $ 349,000 $ 36,000
Tehama, California 5 $ 1,035,000 $ 207,000 $ 8,000
Boulder, Colorado 5 $ 1,965,000 $ 393,000 $ 25,000
Middlesex, Connecticut 5 $ 1,175,000 $ 235,000 $ 0
Troup, Georgia 5 $ 995,000 $ 199,000 $ 0
Bonner, Idaho 5 $ 1,035,000 $ 207,000 $ 0
Kankakee, Illinois 5 $ 835,000 $ 167,000 $ 0
Rock Island, Illinois 5 $ 885,000 $ 177,000 $ 0
Williamson, Illinois 5 $ 665,000 $ 133,000 $ 10,000
LaPorte, Indiana 5 $ 865,000 $ 173,000 $ 0
Monroe, Indiana 5 $ 1,225,000 $ 245,000 $ 14,000
Tippecanoe, Indiana 5 $ 1,025,000 $ 205,000 $ 0
Clinton, Iowa 5 $ 805,000 $ 161,000 $ 0
Dubuque, Iowa 5 $ 1,015,000 $ 203,000 $ 33,000
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Mortgage Loan Application Detail Totals for Low VA Rates, LLC 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
Refinancing 12,332 $3,063,210,000 $248,000 $12,265,000 $10,000 $1,711,000
Home Purchase 172 $47,410,000 $275,000 $745,000 $52,000 $437,000
Home Improvement 1 $215,000 $215,000 $215,000 $95,000 $95,000
Cash-out Refinancing 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 6,189 $1,515,515,000 $244,000 $12,265,000 $14,000 $1,711,000
Not Provided 2,984 $758,060,000 $254,000 $1,325,000 $6,000 $1,704,000
Black or African American 1,823 $447,185,000 $245,000 $835,000 $4,000 $231,000
Hispanic 1,100 $275,110,000 $250,000 $1,225,000 $10,000 $456,000
Asian 219 $66,055,000 $301,000 $735,000 $13,000 $279,000
American Indian or Alaskan Native 124 $29,870,000 $240,000 $785,000 $16,000 $1,416,000
Native Hawaiian or Other Pacific Islander 60 $17,120,000 $285,000 $695,000 $9,000 $125,000
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) 11,694 $2,901,810,000 $248,000 $12,265,000 $4,000 $1,711,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 573 $160,095,000 $279,000 $765,000 $132,000 $1,416,000
FHA-insured (Federal Housing Administration) 236 $48,470,000 $205,000 $715,000 $18,000 $1,704,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $460,000 $230,000 $265,000 $70,000 $90,000

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 8,992 $2,190,530,000 $243,000 $1,265,000 $10,000 $1,620,000
File Closed For Incompleteness 2,010 $531,060,000 $264,000 $12,265,000 $10,000 $1,711,000
Application Withdrawn By Applicant 1,264 $333,460,000 $263,000 $915,000 $10,000 $958,000
Application Denied By Financial Institution 237 $55,335,000 $233,000 $605,000 $14,000 $154,000
Application Approved But Not Accepted 1 $205,000 $205,000 $205,000 $0 $0
Preapproval Denied by Financial Institution 1 $245,000 $245,000 $245,000 $125,000 $125,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 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 12,267 $3,055,255,000 $249,000 $12,265,000 $10,000 $1,711,000
Credit History 191 $44,635,000 $233,000 $605,000 $9,000 $139,000
Debt-To-Income Ratio 20 $4,510,000 $225,000 $475,000 $51,000 $124,000
Other 12 $2,750,000 $229,000 $515,000 $6,000 $79,000
Collateral 11 $2,745,000 $249,000 $385,000 $44,000 $154,000
Employment History 3 $645,000 $215,000 $255,000 $15,000 $47,000
Insufficient Cash (Downpayment, Closing Cost) 1 $295,000 $295,000 $295,000 $111,000 $111,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

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