Low VA Rates, LLC Mortgage Lending & HMDA Data, 2021

In 2021, Low VA Rates, LLC of Lindon, UT reported 9,992 mortgage applications totaling $2.4 billion, down 20% from 2020. The average application was for $243,606, and applicants reported an average income of $20,015. 68% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Las Vegas-Henderson-Paradise, NV (395), Atlanta-Sandy Springs-Roswell, GA (275) and Washington-Arlington-Alexandria, DC-VA-MD-WV (217) (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 9,992
Total Mortgage Loan Application Amount $2,434,120,000
Average Mortgage Loan Application Amount $243,606
Highest Mortgage Loan Application Amount $3,245,000
Average Applicant Income $20,015
Highest Applicant Income $4,375,000

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Act (HMDA) records Low VA Rates, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Clark, Nevada 395 $ 121,665,000 $ 308,012 $ 57,000
Maricopa, Arizona 151 $ 41,795,000 $ 276,788 $ 27,000
Bexar, Texas 123 $ 29,555,000 $ 240,284 $ 9,000
Salt Lake, Utah 112 $ 33,840,000 $ 302,142 $ 59,000
Harris, Texas 106 $ 22,910,000 $ 216,132 $ 10,000
Utah, Utah 104 $ 35,750,000 $ 343,750 $ 191,000
Riverside, California 93 $ 35,595,000 $ 382,741 $ 47,000
Bell, Texas 84 $ 15,470,000 $ 184,166 $ 7,000
San Diego, California 72 $ 30,260,000 $ 420,277 $ 20,000
Oklahoma, Oklahoma 72 $ 15,730,000 $ 218,472 $ 12,000
Hillsborough, Florida 59 $ 15,615,000 $ 264,661 $ 10,000
El Paso, Texas 59 $ 10,215,000 $ 173,135 $ 3,000
El Paso, Colorado 58 $ 17,610,000 $ 303,620 $ 19,000
Cumberland, North Carolina 58 $ 9,740,000 $ 167,931 $ 2,000
San Bernardino, California 57 $ 17,405,000 $ 305,350 $ 29,000
Tarrant, Texas 56 $ 13,370,000 $ 238,750 $ 7,000
Los Angeles, California 51 $ 20,365,000 $ 399,313 $ 33,000
Duval, Florida 51 $ 11,655,000 $ 228,529 $ 7,000
Pima, Arizona 50 $ 10,950,000 $ 219,000 $ 21,000
Prince George's, Maryland 46 $ 16,990,000 $ 369,347 $ 13,000
Weber, Utah 43 $ 12,525,000 $ 291,279 $ 20,000
Orange, Florida 42 $ 11,700,000 $ 278,571 $ 20,000
Honolulu, Hawaii 42 $ 20,590,000 $ 490,238 $ 42,000
Bernalillo, New Mexico 42 $ 9,970,000 $ 237,380 $ 20,000
Williamson, Texas 42 $ 11,160,000 $ 265,714 $ 41,000
Davis, Utah 42 $ 13,010,000 $ 309,761 $ 57,000
Virginia Beach, Virginia 42 $ 10,780,000 $ 256,666 $ 20,000
Brevard, Florida 41 $ 10,305,000 $ 251,341 $ 23,000
Dallas, Texas 41 $ 10,155,000 $ 247,682 $ 5,000
Cook, Illinois 39 $ 7,915,000 $ 202,948 $ 24,000
Richland, South Carolina 39 $ 7,505,000 $ 192,435 $ 6,000
Anchorage, Alaska 37 $ 11,185,000 $ 302,297 $ 1,000
Pulaski, Arkansas 37 $ 8,185,000 $ 221,216 $ 19,000
Gwinnett, Georgia 35 $ 11,855,000 $ 338,714 $ 7,000
Horry, South Carolina 35 $ 6,995,000 $ 199,857 $ 13,000
Lee, Florida 34 $ 8,450,000 $ 248,529 $ 11,000
Pinal, Arizona 33 $ 7,385,000 $ 223,787 $ 9,000
Broward, Florida 33 $ 9,685,000 $ 293,484 $ 17,000
Okaloosa, Florida 33 $ 8,205,000 $ 248,636 $ 5,000
Osceola, Florida 33 $ 8,985,000 $ 272,272 $ 62,000
Polk, Florida 32 $ 6,930,000 $ 216,562 $ 14,000
Washoe, Nevada 32 $ 9,490,000 $ 296,562 $ 16,000
Mohave, Arizona 31 $ 6,525,000 $ 210,483 $ 23,000
Marion, Florida 31 $ 5,095,000 $ 164,354 $ 88,000
Onslow, North Carolina 31 $ 5,805,000 $ 187,258 $ 12,000
Washington, Utah 31 $ 8,825,000 $ 284,677 $ 32,000
Sacramento, California 30 $ 9,770,000 $ 325,666 $ 10,000
Pasco, Florida 30 $ 7,910,000 $ 263,666 $ 26,000
DeKalb, Georgia 30 $ 5,950,000 $ 198,333 $ 5,000
Canadian, Oklahoma 30 $ 6,010,000 $ 200,333 $ 5,000
Fulton, Georgia 29 $ 6,945,000 $ 239,482 $ 25,000
Anne Arundel, Maryland 29 $ 11,475,000 $ 395,689 $ 4,000
Jackson, Missouri 29 $ 5,545,000 $ 191,206 $ 8,000
Collin, Texas 29 $ 10,555,000 $ 363,965 $ 6,000
New Castle, Delaware 28 $ 7,390,000 $ 263,928 $ 0
Santa Rosa, Florida 28 $ 6,460,000 $ 230,714 $ 28,000
Jefferson, Alabama 27 $ 4,845,000 $ 179,444 $ 16,000
Kent, Delaware 27 $ 6,685,000 $ 247,592 $ 13,000
Palm Beach, Florida 27 $ 9,655,000 $ 357,592 $ 42,000
Pinellas, Florida 27 $ 6,475,000 $ 239,814 $ 2,000
Henry, Georgia 27 $ 8,135,000 $ 301,296 $ 8,000
Marion, Indiana 27 $ 4,235,000 $ 156,851 $ 11,000
Ocean, New Jersey 27 $ 5,795,000 $ 214,629 $ 15,000
Mecklenburg, North Carolina 27 $ 7,185,000 $ 266,111 $ 20,000
Berkeley, South Carolina 27 $ 6,575,000 $ 243,518 $ 11,000
Montgomery, Tennessee 27 $ 5,895,000 $ 218,333 $ 8,000
Travis, Texas 27 $ 8,715,000 $ 322,777 $ 66,000
Fairfax, Virginia 27 $ 12,935,000 $ 479,074 $ 27,000
Madison, Alabama 26 $ 6,880,000 $ 264,615 $ 19,000
Cobb, Georgia 26 $ 7,270,000 $ 279,615 $ 4,000
Jefferson, Kentucky 26 $ 5,010,000 $ 192,692 $ 0
St. Louis, Missouri 26 $ 5,410,000 $ 208,076 $ 13,000
Chesapeake, Virginia 26 $ 7,890,000 $ 303,461 $ 17,000
Stafford, Virginia 26 $ 9,610,000 $ 369,615 $ 42,000
Harrison, Mississippi 25 $ 4,445,000 $ 177,800 $ 14,000
Cleveland, Oklahoma 25 $ 4,855,000 $ 194,200 $ 11,000
Tulsa, Oklahoma 25 $ 5,125,000 $ 205,000 $ 20,000
Prince William, Virginia 25 $ 10,215,000 $ 408,600 $ 25,000
Columbia, Georgia 24 $ 4,660,000 $ 194,166 $ 32,000
Dona Ana, New Mexico 24 $ 4,570,000 $ 190,416 $ 52,000
Cuyahoga, Ohio 24 $ 3,500,000 $ 145,833 $ 10,000
Multnomah, Oregon 24 $ 6,720,000 $ 280,000 $ 51,000
Denton, Texas 24 $ 7,400,000 $ 308,333 $ 8,000
Houston, Georgia 23 $ 5,105,000 $ 221,956 $ 8,000
Comanche, Oklahoma 23 $ 4,035,000 $ 175,434 $ 5,000
Dorchester, South Carolina 23 $ 5,585,000 $ 242,826 $ 12,000
Hampton, Virginia 23 $ 4,435,000 $ 192,826 $ 3,000
Berkeley, West Virginia 23 $ 5,415,000 $ 235,434 $ 5,000
Clay, Florida 22 $ 4,780,000 $ 217,272 $ 3,000
Volusia, Florida 22 $ 4,390,000 $ 199,545 $ 13,000
Chatham, Georgia 22 $ 4,940,000 $ 224,545 $ 18,000
Liberty, Georgia 22 $ 3,550,000 $ 161,363 $ 5,000
Fort Bend, Texas 22 $ 5,170,000 $ 235,000 $ 4,000
Cochise, Arizona 21 $ 3,635,000 $ 173,095 $ 2,000
Escambia, Florida 21 $ 4,135,000 $ 196,904 $ 12,000
Lake, Florida 21 $ 4,705,000 $ 224,047 $ 11,000
Ada, Idaho 21 $ 6,625,000 $ 315,476 $ 26,000
Wayne, Michigan 21 $ 3,555,000 $ 169,285 $ 18,000
Camden, New Jersey 21 $ 3,835,000 $ 182,619 $ 3,000
Chesterfield, Virginia 21 $ 5,705,000 $ 271,666 $ 10,000
Orange, California 20 $ 11,920,000 $ 596,000 $ 70,000
San Joaquin, California 20 $ 5,780,000 $ 289,000 $ 14,000
Clayton, Georgia 20 $ 3,340,000 $ 167,000 $ 3,000
Paulding, Georgia 20 $ 5,010,000 $ 250,500 $ 24,000
Polk, Iowa 20 $ 4,410,000 $ 220,500 $ 3,000
St. Charles, Missouri 20 $ 4,400,000 $ 220,000 $ 8,000
Forsyth, North Carolina 20 $ 3,720,000 $ 186,000 $ 13,000
Wake, North Carolina 20 $ 5,230,000 $ 261,500 $ 20,000
Wagoner, Oklahoma 20 $ 3,840,000 $ 192,000 $ 10,000
Montgomery, Texas 20 $ 5,230,000 $ 261,500 $ 27,000
Laramie, Wyoming 20 $ 5,920,000 $ 296,000 $ 20,000
Hardin, Kentucky 19 $ 3,535,000 $ 186,052 $ 13,000
Greene, Missouri 19 $ 3,215,000 $ 169,210 $ 8,000
Jackson, Oregon 19 $ 5,705,000 $ 300,263 $ 6,000
Shelby, Tennessee 19 $ 3,795,000 $ 199,736 $ 0
Nueces, Texas 19 $ 4,115,000 $ 216,578 $ 14,000
Newport News, Virginia 19 $ 3,965,000 $ 208,684 $ 15,000
Matanuska-Susitna, Alaska 18 $ 4,830,000 $ 268,333 $ 0
Miami-Dade, Florida 18 $ 5,340,000 $ 296,666 $ 25,000
Richmond, Georgia 18 $ 3,490,000 $ 193,888 $ 20,000
St. Clair, Illinois 18 $ 2,830,000 $ 157,222 $ 0
Johnston, North Carolina 18 $ 4,150,000 $ 230,555 $ 20,000
Franklin, Ohio 18 $ 3,180,000 $ 176,666 $ 12,000
Deschutes, Oregon 18 $ 4,750,000 $ 263,888 $ 38,000
Philadelphia, Pennsylvania 18 $ 3,190,000 $ 177,222 $ 3,000
Lexington, South Carolina 18 $ 3,700,000 $ 205,555 $ 3,000
York, South Carolina 18 $ 4,930,000 $ 273,888 $ 27,000
Guadalupe, Texas 18 $ 4,570,000 $ 253,888 $ 0
Tooele, Utah 18 $ 5,520,000 $ 306,666 $ 36,000
Kern, California 17 $ 3,795,000 $ 223,235 $ 34,000
Ventura, California 17 $ 7,635,000 $ 449,117 $ 28,000
Weld, Colorado 17 $ 5,255,000 $ 309,117 $ 18,000
Hernando, Florida 17 $ 3,015,000 $ 177,352 $ 18,000
St. Lucie, Florida 17 $ 4,265,000 $ 250,882 $ 44,000
Muscogee, Georgia 17 $ 2,935,000 $ 172,647 $ 0
Lake, Indiana 17 $ 2,625,000 $ 154,411 $ 13,000
Jefferson, Missouri 17 $ 2,845,000 $ 167,352 $ 15,000
Burlington, New Jersey 17 $ 4,005,000 $ 235,588 $ 11,000
Marion, Oregon 17 $ 3,925,000 $ 230,882 $ 2,000
Greenville, South Carolina 17 $ 3,345,000 $ 196,764 $ 11,000
Knox, Tennessee 17 $ 3,745,000 $ 220,294 $ 11,000
St. Johns, Florida 16 $ 5,140,000 $ 321,250 $ 11,000
Sandoval, New Mexico 16 $ 4,570,000 $ 285,625 $ 12,000
Harnett, North Carolina 16 $ 2,640,000 $ 165,000 $ 4,000
Clackamas, Oregon 16 $ 5,830,000 $ 364,375 $ 39,000
Douglas, Oregon 16 $ 3,540,000 $ 221,250 $ 8,000
Brazoria, Texas 16 $ 4,080,000 $ 255,000 $ 5,000
Parker, Texas 16 $ 4,030,000 $ 251,875 $ 15,000
Norfolk, Virginia 16 $ 3,720,000 $ 232,500 $ 5,000
Suffolk, Virginia 16 $ 3,990,000 $ 249,375 $ 6,000
Mobile, Alabama 15 $ 2,265,000 $ 151,000 $ 10,000
Arapahoe, Colorado 15 $ 5,635,000 $ 375,666 $ 31,000
District of Columbia, District Of Columbia 15 $ 6,735,000 $ 449,000 $ 49,000
Manatee, Florida 15 $ 3,855,000 $ 257,000 $ 11,000
Scott, Iowa 15 $ 2,425,000 $ 161,666 $ 0
Johnson, Kansas 15 $ 3,905,000 $ 260,333 $ 12,000
Hennepin, Minnesota 15 $ 3,375,000 $ 225,000 $ 28,000
Lyon, Nevada 15 $ 3,725,000 $ 248,333 $ 14,000
Lane, Oregon 15 $ 3,845,000 $ 256,333 $ 6,000
Kershaw, South Carolina 15 $ 3,695,000 $ 246,333 $ 17,000
Spartanburg, South Carolina 15 $ 2,855,000 $ 190,333 $ 7,000
Hidalgo, Texas 15 $ 2,445,000 $ 163,000 $ 10,000
Spotsylvania, Virginia 15 $ 5,625,000 $ 375,000 $ 19,000
Adams, Colorado 14 $ 4,400,000 $ 314,285 $ 4,000
Sedgwick, Kansas 14 $ 2,490,000 $ 177,857 $ 2,000
York, Maine 14 $ 3,370,000 $ 240,714 $ 0
Oakland, Michigan 14 $ 2,920,000 $ 208,571 $ 0
St. Louis, Minnesota 14 $ 2,810,000 $ 200,714 $ 3,000
Clay, Missouri 14 $ 3,530,000 $ 252,142 $ 5,000
Gaston, North Carolina 14 $ 2,680,000 $ 191,428 $ 0
Hoke, North Carolina 14 $ 2,910,000 $ 207,857 $ 3,000
Montgomery, Ohio 14 $ 2,100,000 $ 150,000 $ 16,000
Loudoun, Virginia 14 $ 6,500,000 $ 464,285 $ 28,000
Fairbanks North Star, Alaska 13 $ 3,355,000 $ 258,076 $ 27,000
Contra Costa, California 13 $ 6,235,000 $ 479,615 $ 41,000
Fresno, California 13 $ 3,625,000 $ 278,846 $ 25,000
Solano, California 13 $ 5,855,000 $ 450,384 $ 15,000
Sussex, Delaware 13 $ 3,245,000 $ 249,615 $ 0
Camden, Georgia 13 $ 2,675,000 $ 205,769 $ 12,000
Lowndes, Georgia 13 $ 2,745,000 $ 211,153 $ 5,000
Canyon, Idaho 13 $ 3,255,000 $ 250,384 $ 12,000
DeSoto, Mississippi 13 $ 2,925,000 $ 225,000 $ 8,000
Gloucester, New Jersey 13 $ 3,305,000 $ 254,230 $ 6,000
Cabarrus, North Carolina 13 $ 3,325,000 $ 255,769 $ 18,000
Stark, Ohio 13 $ 1,875,000 $ 144,230 $ 7,000
Washington, Oregon 13 $ 4,365,000 $ 335,769 $ 48,000
Allegheny, Pennsylvania 13 $ 1,895,000 $ 145,769 $ 6,000
Montgomery, Pennsylvania 13 $ 3,525,000 $ 271,153 $ 41,000
York, Pennsylvania 13 $ 2,605,000 $ 200,384 $ 9,000
Aiken, South Carolina 13 $ 2,655,000 $ 204,230 $ 13,000
Sumter, South Carolina 13 $ 2,035,000 $ 156,538 $ 6,000
Kaufman, Texas 13 $ 3,075,000 $ 236,538 $ 8,000
Snohomish, Washington 13 $ 4,535,000 $ 348,846 $ 38,000
Yuma, Arizona 12 $ 1,960,000 $ 163,333 $ 6,000
Seminole, Florida 12 $ 3,020,000 $ 251,666 $ 31,000
St. Tammany, Louisiana 12 $ 2,460,000 $ 205,000 $ 0
Baltimore, Maryland 12 $ 3,170,000 $ 264,166 $ 32,000
Montgomery, Maryland 12 $ 4,190,000 $ 349,166 $ 9,000
Christian, Missouri 12 $ 2,410,000 $ 200,833 $ 17,000
Hillsborough, New Hampshire 12 $ 3,080,000 $ 256,666 $ 16,000
Rockingham, New Hampshire 12 $ 4,040,000 $ 336,666 $ 20,000
Guilford, North Carolina 12 $ 2,540,000 $ 211,666 $ 11,000
Hamilton, Ohio 12 $ 1,620,000 $ 135,000 $ 0
Lucas, Ohio 12 $ 1,910,000 $ 159,166 $ 5,000
Comal, Texas 12 $ 3,810,000 $ 317,500 $ 8,000
Jefferson, West Virginia 12 $ 3,620,000 $ 301,666 $ 7,000
Benton, Arkansas 11 $ 2,695,000 $ 245,000 $ 25,000
Tulare, California 11 $ 2,685,000 $ 244,090 $ 3,000
New Haven, Connecticut 11 $ 2,735,000 $ 248,636 $ 36,000
Bay, Florida 11 $ 2,925,000 $ 265,909 $ 12,000
Citrus, Florida 11 $ 1,685,000 $ 153,181 $ 0
Flagler, Florida 11 $ 2,445,000 $ 222,272 $ 15,000
DuPage, Illinois 11 $ 2,575,000 $ 234,090 $ 22,000
Charles, Maryland 11 $ 5,265,000 $ 478,636 $ 41,000
Dakota, Minnesota 11 $ 2,955,000 $ 268,636 $ 54,000
Douglas, Nebraska 11 $ 2,815,000 $ 255,909 $ 6,000
Lancaster, Nebraska 11 $ 1,855,000 $ 168,636 $ 6,000
Nye, Nevada 11 $ 2,265,000 $ 205,909 $ 5,000
Josephine, Oregon 11 $ 2,695,000 $ 245,000 $ 6,000
Cumberland, Pennsylvania 11 $ 1,995,000 $ 181,363 $ 5,000
Providence, Rhode Island 11 $ 2,905,000 $ 264,090 $ 0
Anderson, South Carolina 11 $ 1,955,000 $ 177,727 $ 19,000
Charleston, South Carolina 11 $ 3,125,000 $ 284,090 $ 6,000
Hamilton, Tennessee 11 $ 2,135,000 $ 194,090 $ 33,000
Ellis, Texas 11 $ 3,155,000 $ 286,818 $ 31,000
Johnson, Texas 11 $ 1,905,000 $ 173,181 $ 1,000
Lubbock, Texas 11 $ 1,915,000 $ 174,090 $ 20,000
McLennan, Texas 11 $ 1,875,000 $ 170,454 $ 11,000
Pierce, Washington 11 $ 3,565,000 $ 324,090 $ 37,000
Milwaukee, Wisconsin 11 $ 1,935,000 $ 175,909 $ 0
Waukesha, Wisconsin 11 $ 2,545,000 $ 231,363 $ 8,000
Yavapai, Arizona 10 $ 2,100,000 $ 210,000 $ 21,000
Lonoke, Arkansas 10 $ 2,010,000 $ 201,000 $ 0
Sebastian, Arkansas 10 $ 2,060,000 $ 206,000 $ 26,000
Washington, Arkansas 10 $ 2,310,000 $ 231,000 $ 3,000
Larimer, Colorado 10 $ 2,900,000 $ 290,000 $ 0
Hartford, Connecticut 10 $ 2,130,000 $ 213,000 $ 0
Alachua, Florida 10 $ 2,280,000 $ 228,000 $ 10,000
Cherokee, Georgia 10 $ 3,030,000 $ 303,000 $ 37,000
Coweta, Georgia 10 $ 3,080,000 $ 308,000 $ 16,000
Douglas, Georgia 10 $ 2,280,000 $ 228,000 $ 12,000
Effingham, Georgia 10 $ 1,830,000 $ 183,000 $ 27,000
Rockdale, Georgia 10 $ 2,690,000 $ 269,000 $ 22,000
Leavenworth, Kansas 10 $ 2,320,000 $ 232,000 $ 0
Bullitt, Kentucky 10 $ 1,940,000 $ 194,000 $ 3,000
Caddo, Louisiana 10 $ 1,620,000 $ 162,000 $ 0
East Baton Rouge, Louisiana 10 $ 2,180,000 $ 218,000 $ 1,000
Kent, Michigan 10 $ 2,100,000 $ 210,000 $ 0
Monmouth, New Jersey 10 $ 3,570,000 $ 357,000 $ 13,000
New Hanover, North Carolina 10 $ 2,230,000 $ 223,000 $ 19,000
Union, North Carolina 10 $ 2,920,000 $ 292,000 $ 15,000
Beaufort, South Carolina 10 $ 2,400,000 $ 240,000 $ 20,000
Rutherford, Tennessee 10 $ 3,030,000 $ 303,000 $ 24,000
Galveston, Texas 10 $ 2,310,000 $ 231,000 $ 18,000
Taylor, Texas 10 $ 1,840,000 $ 184,000 $ 14,000
Cache, Utah 10 $ 2,950,000 $ 295,000 $ 35,000
Thurston, Washington 10 $ 3,650,000 $ 365,000 $ 122,000
Brown, Wisconsin 10 $ 2,090,000 $ 209,000 $ 18,000
Morgan, Alabama 9 $ 1,515,000 $ 168,333 $ 8,000
Tuscaloosa, Alabama 9 $ 2,045,000 $ 227,222 $ 0
Saline, Arkansas 9 $ 1,855,000 $ 206,111 $ 0
Santa Clara, California 9 $ 5,485,000 $ 609,444 $ 42,000
Sarasota, Florida 9 $ 1,955,000 $ 217,222 $ 26,000
Kootenai, Idaho 9 $ 3,425,000 $ 380,555 $ 22,000
Lake, Illinois 9 $ 2,135,000 $ 237,222 $ 18,000
Madison, Illinois 9 $ 1,265,000 $ 140,555 $ 0
Will, Illinois 9 $ 1,575,000 $ 175,000 $ 1,000
Boone, Kentucky 9 $ 2,125,000 $ 236,111 $ 7,000
Macomb, Michigan 9 $ 1,965,000 $ 218,333 $ 0
Cass, Missouri 9 $ 1,625,000 $ 180,555 $ 0
Otero, New Mexico 9 $ 1,525,000 $ 169,444 $ 0
Craven, North Carolina 9 $ 1,725,000 $ 191,666 $ 5,000
Rowan, North Carolina 9 $ 1,865,000 $ 207,222 $ 7,000
Blount, Tennessee 9 $ 2,565,000 $ 285,000 $ 10,000
Cameron, Texas 9 $ 1,435,000 $ 159,444 $ 9,000
Box Elder, Utah 9 $ 2,255,000 $ 250,555 $ 13,000
Henrico, Virginia 9 $ 2,145,000 $ 238,333 $ 16,000
Portsmouth, Virginia 9 $ 1,625,000 $ 180,555 $ 0
Kitsap, Washington 9 $ 3,185,000 $ 353,888 $ 43,000
Rock, Wisconsin 9 $ 1,515,000 $ 168,333 $ 13,000
Montgomery, Alabama 8 $ 1,480,000 $ 185,000 $ 7,000
Shelby, Alabama 8 $ 1,800,000 $ 225,000 $ 11,000
Garland, Arkansas 8 $ 1,940,000 $ 242,500 $ 0
Placer, California 8 $ 2,920,000 $ 365,000 $ 44,000
Denver, Colorado 8 $ 2,180,000 $ 272,500 $ 4,000
Mesa, Colorado 8 $ 2,280,000 $ 285,000 $ 12,000
Pueblo, Colorado 8 $ 1,840,000 $ 230,000 $ 3,000
Charlotte, Florida 8 $ 1,380,000 $ 172,500 $ 9,000
Nassau, Florida 8 $ 1,920,000 $ 240,000 $ 33,000
Forsyth, Georgia 8 $ 1,840,000 $ 230,000 $ 8,000
Allen, Indiana 8 $ 1,230,000 $ 153,750 $ 27,000
Porter, Indiana 8 $ 1,690,000 $ 211,250 $ 13,000
Jefferson, Louisiana 8 $ 1,320,000 $ 165,000 $ 0
Harford, Maryland 8 $ 2,300,000 $ 287,500 $ 0
Anoka, Minnesota 8 $ 2,160,000 $ 270,000 $ 8,000
Ramsey, Minnesota 8 $ 1,620,000 $ 202,500 $ 0
Pulaski, Missouri 8 $ 1,300,000 $ 162,500 $ 30,000
Cascade, Montana 8 $ 1,440,000 $ 180,000 $ 11,000
Sarpy, Nebraska 8 $ 2,140,000 $ 267,500 $ 42,000
Brunswick, North Carolina 8 $ 1,290,000 $ 161,250 $ 5,000
Davidson, North Carolina 8 $ 1,230,000 $ 153,750 $ 16,000
Durham, North Carolina 8 $ 1,720,000 $ 215,000 $ 20,000
Moore, North Carolina 8 $ 1,910,000 $ 238,750 $ 59,000
Pitt, North Carolina 8 $ 1,260,000 $ 157,500 $ 17,000
Wayne, North Carolina 8 $ 1,220,000 $ 152,500 $ 13,000
Fairfield, Ohio 8 $ 1,580,000 $ 197,500 $ 6,000
Warren, Ohio 8 $ 1,460,000 $ 182,500 $ 0
Dauphin, Pennsylvania 8 $ 1,200,000 $ 150,000 $ 0
Lehigh, Pennsylvania 8 $ 1,340,000 $ 167,500 $ 9,000
Gregg, Texas 8 $ 1,230,000 $ 153,750 $ 0
Baldwin, Alabama 7 $ 1,495,000 $ 213,571 $ 0
Gila, Arizona 7 $ 1,055,000 $ 150,714 $ 0
Butte, California 7 $ 1,945,000 $ 277,857 $ 8,000
Stanislaus, California 7 $ 2,205,000 $ 315,000 $ 0
Douglas, Colorado 7 $ 3,885,000 $ 555,000 $ 81,000
Bartow, Georgia 7 $ 1,365,000 $ 195,000 $ 2,000
Fayette, Georgia 7 $ 2,765,000 $ 395,000 $ 42,000
Long, Georgia 7 $ 1,395,000 $ 199,285 $ 0
Bonneville, Idaho 7 $ 1,235,000 $ 176,428 $ 12,000
Kane, Illinois 7 $ 1,575,000 $ 225,000 $ 11,000
McHenry, Illinois 7 $ 1,455,000 $ 207,857 $ 9,000
Sangamon, Illinois 7 $ 1,105,000 $ 157,857 $ 0
Elkhart, Indiana 7 $ 1,115,000 $ 159,285 $ 0
Hamilton, Indiana 7 $ 1,605,000 $ 229,285 $ 24,000
Howard, Indiana 7 $ 1,225,000 $ 175,000 $ 27,000
Monroe, Indiana 7 $ 1,385,000 $ 197,857 $ 11,000
Bossier, Louisiana 7 $ 1,325,000 $ 189,285 $ 9,000
Cumberland, Maine 7 $ 1,765,000 $ 252,142 $ 22,000
Kennebec, Maine 7 $ 1,745,000 $ 249,285 $ 20,000
Calvert, Maryland 7 $ 2,585,000 $ 369,285 $ 25,000
Monroe, Michigan 7 $ 1,105,000 $ 157,857 $ 0
Washington, Minnesota 7 $ 1,775,000 $ 253,571 $ 0
Wright, Minnesota 7 $ 1,635,000 $ 233,571 $ 26,000
Jackson, Mississippi 7 $ 1,455,000 $ 207,857 $ 12,000
Franklin, Missouri 7 $ 1,515,000 $ 216,428 $ 0
Jasper, Missouri 7 $ 1,035,000 $ 147,857 $ 0
Johnson, Missouri 7 $ 1,415,000 $ 202,142 $ 0
Platte, Missouri 7 $ 1,705,000 $ 243,571 $ 33,000
Atlantic, New Jersey 7 $ 1,605,000 $ 229,285 $ 4,000
Middlesex, New Jersey 7 $ 1,835,000 $ 262,142 $ 42,000
Santa Fe, New Mexico 7 $ 1,975,000 $ 282,142 $ 13,000
Alamance, North Carolina 7 $ 1,215,000 $ 173,571 $ 17,000
Buncombe, North Carolina 7 $ 1,335,000 $ 190,714 $ 0
Cass, North Dakota 7 $ 1,325,000 $ 189,285 $ 40,000
Ward, North Dakota 7 $ 1,555,000 $ 222,142 $ 0
Greene, Ohio 7 $ 1,545,000 $ 220,714 $ 0
Licking, Ohio 7 $ 1,155,000 $ 165,000 $ 18,000
Summit, Ohio 7 $ 1,145,000 $ 163,571 $ 11,000
Rogers, Oklahoma 7 $ 1,315,000 $ 187,857 $ 7,000
Lincoln, Oregon 7 $ 1,775,000 $ 253,571 $ 35,000
Linn, Oregon 7 $ 1,505,000 $ 215,000 $ 7,000
Beaver, Pennsylvania 7 $ 775,000 $ 110,714 $ 0
Bucks, Pennsylvania 7 $ 2,185,000 $ 312,142 $ 0
Erie, Pennsylvania 7 $ 1,195,000 $ 170,714 $ 12,000
Kent, Rhode Island 7 $ 1,685,000 $ 240,714 $ 0
Bradley, Tennessee 7 $ 1,415,000 $ 202,142 $ 0
Sumner, Tennessee 7 $ 2,075,000 $ 296,428 $ 11,000
Wilson, Tennessee 7 $ 1,905,000 $ 272,142 $ 16,000
Coryell, Texas 7 $ 1,005,000 $ 143,571 $ 0
Jefferson, Texas 7 $ 955,000 $ 136,428 $ 0
Tom Green, Texas 7 $ 855,000 $ 122,142 $ 0
Summit, Utah 7 $ 2,535,000 $ 362,142 $ 176,000
Frederick, Virginia 7 $ 1,945,000 $ 277,857 $ 14,000
King, Washington 7 $ 3,305,000 $ 472,142 $ 69,000
Kenosha, Wisconsin 7 $ 1,375,000 $ 196,428 $ 0
Racine, Wisconsin 7 $ 1,185,000 $ 169,285 $ 0
Sweetwater, Wyoming 7 $ 1,705,000 $ 243,571 $ 35,000
Houston, Alabama 6 $ 1,040,000 $ 173,333 $ 19,000
Kenai Peninsula, Alaska 6 $ 1,510,000 $ 251,666 $ 0
Madera, California 6 $ 1,540,000 $ 256,666 $ 9,000
Shasta, California 6 $ 1,280,000 $ 213,333 $ 11,000
Yuba, California 6 $ 1,940,000 $ 323,333 $ 40,000
Fremont, Colorado 6 $ 1,270,000 $ 211,666 $ 0
Indian River, Florida 6 $ 950,000 $ 158,333 $ 0
Sumter, Florida 6 $ 1,660,000 $ 276,666 $ 27,000
Barrow, Georgia 6 $ 850,000 $ 141,666 $ 14,000
Carroll, Georgia 6 $ 1,520,000 $ 253,333 $ 29,000
Jackson, Illinois 6 $ 790,000 $ 131,666 $ 0
Whiteside, Illinois 6 $ 710,000 $ 118,333 $ 18,000
St. Joseph, Indiana 6 $ 930,000 $ 155,000 $ 20,000
Black Hawk, Iowa 6 $ 810,000 $ 135,000 $ 0
Linn, Iowa 6 $ 1,240,000 $ 206,666 $ 33,000
Woodbury, Iowa 6 $ 1,240,000 $ 206,666 $ 0
Geary, Kansas 6 $ 1,210,000 $ 201,666 $ 0
Riley, Kansas 6 $ 1,250,000 $ 208,333 $ 0
Christian, Kentucky 6 $ 790,000 $ 131,666 $ 14,000
Lafayette, Louisiana 6 $ 880,000 $ 146,666 $ 0
Androscoggin, Maine 6 $ 1,120,000 $ 186,666 $ 0
St. Mary's, Maryland 6 $ 1,920,000 $ 320,000 $ 38,000
Genesee, Michigan 6 $ 910,000 $ 151,666 $ 0
Jackson, Michigan 6 $ 820,000 $ 136,666 $ 9,000
Kalamazoo, Michigan 6 $ 1,120,000 $ 186,666 $ 18,000
Sherburne, Minnesota 6 $ 1,550,000 $ 258,333 $ 0
St. Louis City, Missouri 6 $ 890,000 $ 148,333 $ 0
Yellowstone, Montana 6 $ 1,350,000 $ 225,000 $ 48,000
Cheshire, New Hampshire 6 $ 1,160,000 $ 193,333 $ 12,000
Curry, New Mexico 6 $ 1,270,000 $ 211,666 $ 14,000
Currituck, North Carolina 6 $ 1,880,000 $ 313,333 $ 24,000
Randolph, North Carolina 6 $ 1,180,000 $ 196,666 $ 22,000
Clermont, Ohio 6 $ 1,080,000 $ 180,000 $ 0
Lorain, Ohio 6 $ 850,000 $ 141,666 $ 11,000
Mahoning, Ohio 6 $ 880,000 $ 146,666 $ 0
Carter, Oklahoma 6 $ 1,430,000 $ 238,333 $ 0
Muskogee, Oklahoma 6 $ 1,130,000 $ 188,333 $ 13,000
Klamath, Oregon 6 $ 1,580,000 $ 263,333 $ 0
Umatilla, Oregon 6 $ 1,080,000 $ 180,000 $ 20,000
Union, Oregon 6 $ 1,250,000 $ 208,333 $ 0
Adams, Pennsylvania 6 $ 1,370,000 $ 228,333 $ 0
Berks, Pennsylvania 6 $ 1,670,000 $ 278,333 $ 0
Blair, Pennsylvania 6 $ 840,000 $ 140,000 $ 0
Delaware, Pennsylvania 6 $ 1,210,000 $ 201,666 $ 10,000
Lancaster, Pennsylvania 6 $ 1,180,000 $ 196,666 $ 0
Colleton, South Carolina 6 $ 970,000 $ 161,666 $ 40,000
Georgetown, South Carolina 6 $ 1,510,000 $ 251,666 $ 0
Pickens, South Carolina 6 $ 1,150,000 $ 191,666 $ 4,000
Anderson, Tennessee 6 $ 850,000 $ 141,666 $ 0
Davidson, Tennessee 6 $ 1,030,000 $ 171,666 $ 28,000
Roane, Tennessee 6 $ 1,940,000 $ 323,333 $ 3,000
Washington, Tennessee 6 $ 1,030,000 $ 171,666 $ 0
Hays, Texas 6 $ 1,450,000 $ 241,666 $ 7,000
Henderson, Texas 6 $ 1,080,000 $ 180,000 $ 47,000
Randall, Texas 6 $ 1,290,000 $ 215,000 $ 9,000
Wasatch, Utah 6 $ 2,160,000 $ 360,000 $ 76,000
Hanover, Virginia 6 $ 2,120,000 $ 353,333 $ 0
Marion, West Virginia 6 $ 920,000 $ 153,333 $ 0
Wood, West Virginia 6 $ 890,000 $ 148,333 $ 22,000
Marathon, Wisconsin 6 $ 1,170,000 $ 195,000 $ 0
Outagamie, Wisconsin 6 $ 1,090,000 $ 181,666 $ 0
Craighead, Arkansas 5 $ 875,000 $ 175,000 $ 0
Faulkner, Arkansas 5 $ 695,000 $ 139,000 $ 0
Kings, California 5 $ 1,455,000 $ 291,000 $ 47,000
Santa Barbara, California 5 $ 2,305,000 $ 461,000 $ 13,000
Fairfield, Connecticut 5 $ 875,000 $ 175,000 $ 17,000
New London, Connecticut 5 $ 1,275,000 $ 255,000 $ 0
Leon, Florida 5 $ 1,465,000 $ 293,000 $ 0
Bibb, Georgia 5 $ 725,000 $ 145,000 $ 21,000
Bryan, Georgia 5 $ 1,215,000 $ 243,000 $ 0
Gilmer, Georgia 5 $ 835,000 $ 167,000 $ 22,000
Glynn, Georgia 5 $ 1,305,000 $ 261,000 $ 0
Hall, Georgia 5 $ 1,455,000 $ 291,000 $ 69,000
Harris, Georgia 5 $ 1,585,000 $ 317,000 $ 57,000
Newton, Georgia 5 $ 1,235,000 $ 247,000 $ 21,000
Walton, Georgia 5 $ 1,215,000 $ 243,000 $ 0
Hawaii, Hawaii 5 $ 1,225,000 $ 245,000 $ 0
Maui, Hawaii 5 $ 2,245,000 $ 449,000 $ 8,000
Twin Falls, Idaho 5 $ 975,000 $ 195,000 $ 0
Kankakee, Illinois 5 $ 815,000 $ 163,000 $ 27,000
McLean, Illinois 5 $ 905,000 $ 181,000 $ 0
Delaware, Indiana 5 $ 635,000 $ 127,000 $ 0
Johnson, Indiana 5 $ 755,000 $ 151,000 $ 0
Madison, Indiana 5 $ 715,000 $ 143,000 $ 0
Tippecanoe, Indiana 5 $ 795,000 $ 159,000 $ 0
Pottawattamie, Iowa 5 $ 875,000 $ 175,000 $ 0
Butler, Kansas 5 $ 1,235,000 $ 247,000 $ 0
Shawnee, Kansas 5 $ 925,000 $ 185,000 $ 23,000
Madison, Kentucky 5 $ 1,005,000 $ 201,000 $ 0
Oxford, Maine 5 $ 805,000 $ 161,000 $ 0
Baltimore City, Maryland 5 $ 1,335,000 $ 267,000 $ 36,000
Washington, Maryland 5 $ 1,425,000 $ 285,000 $ 46,000
Calhoun, Michigan 5 $ 645,000 $ 129,000 $ 0
Livingston, Michigan 5 $ 1,495,000 $ 299,000 $ 45,000
Midland, Michigan 5 $ 1,145,000 $ 229,000 $ 17,000
Ottawa, Michigan 5 $ 1,275,000 $ 255,000 $ 31,000
Blue Earth, Minnesota 5 $ 1,075,000 $ 215,000 $ 26,000
Madison, Mississippi 5 $ 1,115,000 $ 223,000 $ 14,000
Cape Girardeau, Missouri 5 $ 1,255,000 $ 251,000 $ 20,000
Flathead, Montana 5 $ 1,935,000 $ 387,000 $ 9,000
Carson City, Nevada 5 $ 985,000 $ 197,000 $ 13,000
Churchill, Nevada 5 $ 1,355,000 $ 271,000 $ 49,000
Douglas, Nevada 5 $ 1,485,000 $ 297,000 $ 23,000
Elko, Nevada 5 $ 965,000 $ 193,000 $ 0
Merrimack, New Hampshire 5 $ 1,125,000 $ 225,000 $ 0
Essex, New Jersey 5 $ 1,565,000 $ 313,000 $ 54,000
Union, New Jersey 5 $ 1,755,000 $ 351,000 $ 28,000
Haywood, North Carolina 5 $ 805,000 $ 161,000 $ 49,000
Iredell, North Carolina 5 $ 815,000 $ 163,000 $ 15,000
Nash, North Carolina 5 $ 885,000 $ 177,000 $ 0
Rutherford, North Carolina 5 $ 795,000 $ 159,000 $ 11,000
Burleigh, North Dakota 5 $ 1,265,000 $ 253,000 $ 0
Pickaway, Ohio 5 $ 1,115,000 $ 223,000 $ 0
Portage, Ohio 5 $ 915,000 $ 183,000 $ 34,000
Richland, Ohio 5 $ 785,000 $ 157,000 $ 0
Pottawatomie, Oklahoma 5 $ 865,000 $ 173,000 $ 0
Stephens, Oklahoma 5 $ 775,000 $ 155,000 $ 33,000
Polk, Oregon 5 $ 1,595,000 $ 319,000 $ 33,000
Yamhill, Oregon 5 $ 1,605,000 $ 321,000 $ 0
Westmoreland, Pennsylvania 5 $ 595,000 $ 119,000 $ 6,000
Newport, Rhode Island 5 $ 1,765,000 $ 353,000 $ 0
Coffee, Tennessee 5 $ 1,035,000 $ 207,000 $ 31,000
Loudon, Tennessee 5 $ 1,285,000 $ 257,000 $ 0
Tipton, Tennessee 5 $ 1,045,000 $ 209,000 $ 0
Williamson, Tennessee 5 $ 2,535,000 $ 507,000 $ 20,000
Angelina, Texas 5 $ 935,000 $ 187,000 $ 0
Bastrop, Texas 5 $ 1,065,000 $ 213,000 $ 0
Ector, Texas 5 $ 1,105,000 $ 221,000 $ 0
Hunt, Texas 5 $ 1,225,000 $ 245,000 $ 12,000
Rockwall, Texas 5 $ 1,485,000 $ 297,000 $ 19,000
Smith, Texas 5 $ 1,065,000 $ 213,000 $ 0
Val Verde, Texas 5 $ 785,000 $ 157,000 $ 0
Victoria, Texas 5 $ 915,000 $ 183,000 $ 0
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Mortgage Loan Application Detail Totals for Low VA Rates, LLC in 2021

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 9,988 $2,433,320,000 $243,000 $3,245,000 $20,000 $4,375,000
Home Purchase 3 $505,000 $168,000 $275,000 $65,000 $89,000
Cash-out Refinancing 1 $295,000 $295,000 $295,000 $39,000 $39,000
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 4,819 $1,157,105,000 $240,000 $3,245,000 $26,000 $4,375,000
Not Provided 2,794 $678,040,000 $242,000 $1,105,000 $14,000 $1,085,000
Black or African American 1,249 $305,245,000 $244,000 $1,205,000 $13,000 $252,000
Hispanic 813 $202,475,000 $249,000 $1,505,000 $15,000 $287,000
Asian 168 $52,450,000 $312,000 $965,000 $28,000 $200,000
American Indian or Alaskan Native 98 $24,660,000 $251,000 $725,000 $14,000 $175,000
Native Hawaiian or Other Pacific Islander 42 $11,250,000 $267,000 $665,000 $7,000 $121,000
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) 8,765 $2,126,925,000 $242,000 $3,245,000 $12,000 $572,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 644 $183,920,000 $285,000 $805,000 $147,000 $4,375,000
FHA-insured (Federal Housing Administration) 583 $123,275,000 $211,000 $595,000 $6,000 $240,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 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 6,786 $1,629,500,000 $240,000 $1,315,000 $20,000 $4,375,000
File Closed For Incompleteness 1,980 $493,590,000 $249,000 $1,235,000 $17,000 $1,070,000
Application Withdrawn By Applicant 926 $237,180,000 $256,000 $3,245,000 $24,000 $1,071,000
Application Denied By Financial Institution 290 $70,690,000 $243,000 $1,505,000 $19,000 $366,000
Application Approved But Not Accepted 9 $2,885,000 $320,000 $805,000 $76,000 $155,000
Preapproval Approved but not Accepted 1 $275,000 $275,000 $275,000 $53,000 $53,000
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0
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
Not applicable 9,702 $2,363,430,000 $243,000 $3,245,000 $20,000 $4,375,000
Credit History 149 $35,845,000 $240,000 $1,505,000 $13,000 $248,000
Other 92 $21,890,000 $237,000 $1,005,000 $11,000 $299,000
Debt-To-Income Ratio 19 $5,185,000 $272,000 $535,000 $78,000 $366,000
Collateral 16 $4,030,000 $251,000 $545,000 $45,000 $200,000
Insufficient Cash (Downpayment, Closing Cost) 7 $1,815,000 $259,000 $425,000 $43,000 $156,000
Unverifiable Information 6 $1,800,000 $300,000 $445,000 $20,000 $66,000
Employment History 1 $125,000 $125,000 $125,000 $34,000 $34,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Low VA Rates, LLC's 2021 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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