Low VA Rates, LLC Mortgage Lending & HMDA Data, 2016
In 2016, Low VA Rates, LLC of Lindon, UT reported 8,180 mortgage applications totaling $1.9 billion. The average application was for $228,977, and applicants reported an average income of $5,672. 59% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (211), Atlanta-Sandy Springs-Roswell, GA (173) and Las Vegas-Henderson-Paradise, NV (163) (applications in parentheses).
| Mortgage Company & Address | Low VA Rates, LLC 384 South 400 West, #100 Lindon, UT 84042 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 2016 |
| Total Number of Mortgage Applications | 8,180 |
| Total Mortgage Loan Application Amount | $1,873,039,000 |
| Average Mortgage Loan Application Amount | $228,977 |
| Highest Mortgage Loan Application Amount | $1,063,000 |
| Average Applicant Income | $5,672 |
| Highest Applicant Income | $1,699,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Low VA Rates, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 211 | $ 80,269,000 | $ 380,421 | $ 4,563 |
| Atlanta-Sandy Springs-Roswell, GA | 173 | $ 37,695,000 | $ 217,890 | $ 4,000 |
| Las Vegas-Henderson-Paradise, NV | 163 | $ 39,715,000 | $ 243,650 | $ 11,000 |
| Riverside-San Bernardino-Ontario, CA | 145 | $ 40,998,000 | $ 282,744 | $ 4,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 144 | $ 35,476,000 | $ 246,361 | $ 2,895 |
| San Antonio-New Braunfels, TX | 122 | $ 28,028,000 | $ 229,737 | $ 3,000 |
| Phoenix-Mesa-Scottsdale, AZ | 116 | $ 24,838,000 | $ 214,120 | $ 8,000 |
| Houston-The Woodlands-Sugar Land, TX | 109 | $ 23,548,000 | $ 216,036 | $ 2,000 |
| Salt Lake City, UT | 106 | $ 25,337,000 | $ 239,028 | $ 44,000 |
| Dallas-Plano-Irving, TX | 102 | $ 23,359,000 | $ 229,009 | $ 4,000 |
| Charlotte-Concord-Gastonia, NC-SC | 81 | $ 16,748,000 | $ 206,765 | $ 3,518 |
| Denver-Aurora-Lakewood, CO | 79 | $ 20,891,000 | $ 264,443 | $ 10,000 |
| Jacksonville, FL | 79 | $ 17,643,000 | $ 223,329 | $ 2,000 |
| Tampa-St. Petersburg-Clearwater, FL | 78 | $ 17,840,000 | $ 228,717 | $ 1,000 |
| Colorado Springs, CO | 77 | $ 17,160,000 | $ 222,857 | $ 2,000 |
| Killeen-Temple, TX | 77 | $ 13,737,000 | $ 178,402 | $ 0 |
| Fort Worth-Arlington, TX | 75 | $ 15,261,000 | $ 203,480 | $ 4,000 |
| San Diego-Carlsbad, CA | 74 | $ 28,602,000 | $ 386,513 | $ 1,000 |
| Tacoma-Lakewood, WA | 70 | $ 17,605,000 | $ 251,500 | $ 8,000 |
| Baltimore-Columbia-Towson, MD | 69 | $ 18,870,000 | $ 273,478 | $ 6,000 |
| Richmond, VA | 68 | $ 16,107,000 | $ 236,867 | $ 4,000 |
| Seattle-Bellevue-Everett, WA | 68 | $ 21,247,000 | $ 312,455 | $ 5,000 |
| Fayetteville, NC | 67 | $ 12,362,000 | $ 184,507 | $ 4,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 65 | $ 15,974,000 | $ 245,753 | $ 4,384 |
| Orlando-Kissimmee-Sanford, FL | 61 | $ 15,466,000 | $ 253,540 | $ 4,000 |
| Austin-Round Rock, TX | 59 | $ 13,982,000 | $ 236,983 | $ 5,000 |
| Ogden-Clearfield, UT | 58 | $ 14,285,000 | $ 246,293 | $ 23,000 |
| Augusta-Richmond County, GA-SC | 57 | $ 12,219,000 | $ 214,368 | $ 3,789 |
| Los Angeles-Long Beach-Glendale, CA | 57 | $ 21,296,000 | $ 373,614 | $ 11,000 |
| Oklahoma City, OK | 57 | $ 10,692,000 | $ 187,578 | $ 1,000 |
| Raleigh, NC | 55 | $ 11,158,000 | $ 202,872 | $ 3,000 |
| Chicago-Naperville-Arlington Heights, IL | 49 | $ 11,068,000 | $ 225,877 | $ 9,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 49 | $ 15,618,000 | $ 318,734 | $ 5,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 46 | $ 10,775,000 | $ 234,239 | $ 15,521 |
| Columbus, OH | 42 | $ 7,436,000 | $ 177,047 | $ 4,000 |
| Spokane-Spokane Valley, WA | 42 | $ 8,671,000 | $ 206,452 | $ 0 |
| Provo-Orem, UT | 41 | $ 10,193,000 | $ 248,609 | $ 49,000 |
| Louisville/Jefferson County, KY-IN | 40 | $ 7,115,000 | $ 177,875 | $ 0 |
| Anchorage, AK | 39 | $ 10,839,000 | $ 277,923 | $ 6,000 |
| Cincinnati, OH-KY-IN | 39 | $ 8,103,000 | $ 207,769 | $ 5,846 |
| El Paso, TX | 38 | $ 6,678,000 | $ 175,736 | $ 1,000 |
| Charleston-North Charleston, SC | 36 | $ 7,937,000 | $ 220,472 | $ 2,000 |
| Des Moines-West Des Moines, IA | 36 | $ 6,573,000 | $ 182,583 | $ 4,000 |
| Indianapolis-Carmel-Anderson, IN | 36 | $ 6,311,000 | $ 175,305 | $ 5,000 |
| Kansas City, MO-KS | 36 | $ 6,750,000 | $ 187,500 | $ 4,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 36 | $ 7,869,000 | $ 218,583 | $ 9,000 |
| St. Louis, MO-IL | 36 | $ 6,719,000 | $ 186,638 | $ 2,250 |
| Tucson, AZ | 36 | $ 7,164,000 | $ 199,000 | $ 4,000 |
| Urban Honolulu, HI | 36 | $ 16,953,000 | $ 470,916 | $ 5,000 |
| Albuquerque, NM | 35 | $ 6,840,000 | $ 195,428 | $ 8,000 |
| Birmingham-Hoover, AL | 35 | $ 6,556,000 | $ 187,314 | $ 0 |
| Columbia, SC | 34 | $ 6,384,000 | $ 187,764 | $ 2,000 |
| Clarksville, TN-KY | 33 | $ 5,986,000 | $ 181,393 | $ 969 |
| Bremerton-Silverdale, WA | 31 | $ 8,261,000 | $ 266,483 | $ 2,000 |
| Little Rock-North Little Rock-Conway, AR | 31 | $ 4,956,000 | $ 159,870 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 31 | $ 5,869,000 | $ 189,322 | $ 2,000 |
| Jacksonville, NC | 30 | $ 4,939,000 | $ 164,633 | $ 2,000 |
| New Orleans-Metairie, LA | 29 | $ 7,592,000 | $ 261,793 | $ 8,000 |
| Cleveland-Elyria, OH | 27 | $ 5,501,000 | $ 203,740 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 27 | $ 6,388,000 | $ 236,592 | $ 0 |
| Huntsville, AL | 26 | $ 4,897,000 | $ 188,346 | $ 0 |
| Baton Rouge, LA | 25 | $ 5,381,000 | $ 215,240 | $ 7,000 |
| Hinesville, GA | 25 | $ 4,812,000 | $ 192,480 | $ 4,000 |
| Providence-Warwick, RI-MA | 25 | $ 6,559,000 | $ 262,360 | $ 0 |
| Savannah, GA | 25 | $ 4,734,000 | $ 189,360 | $ 0 |
| Boise City, ID | 24 | $ 4,566,000 | $ 190,250 | $ 3,000 |
| Lawton, OK | 24 | $ 4,865,000 | $ 202,708 | $ 6,000 |
| Memphis, TN-MS-AR | 24 | $ 4,677,000 | $ 194,875 | $ 3,250 |
| Lakeland-Winter Haven, FL | 22 | $ 4,111,000 | $ 186,863 | $ 2,000 |
| New York-Jersey City-White Plains, NY-NJ | 22 | $ 7,247,000 | $ 329,409 | $ 11,000 |
| Olympia-Tumwater, WA | 22 | $ 5,390,000 | $ 245,000 | $ 10,000 |
| Fresno, CA | 21 | $ 5,276,000 | $ 251,238 | $ 8,000 |
| Palm Bay-Melbourne-Titusville, FL | 21 | $ 4,365,000 | $ 207,857 | $ 8,000 |
| Wilmington, DE-MD-NJ | 20 | $ 5,679,000 | $ 283,950 | $ 1,950 |
| Dayton, OH | 19 | $ 3,812,000 | $ 200,631 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 19 | $ 3,491,000 | $ 183,736 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 19 | $ 4,705,000 | $ 247,631 | $ 14,000 |
| Pittsburgh, PA | 19 | $ 3,484,000 | $ 183,368 | $ 5,000 |
| Shreveport-Bossier City, LA | 19 | $ 4,054,000 | $ 213,368 | $ 0 |
| Silver Spring-Frederick-Rockville, MD | 19 | $ 7,200,000 | $ 378,947 | $ 0 |
| Tulsa, OK | 18 | $ 3,520,000 | $ 195,555 | $ 0 |
| Warner Robins, GA | 18 | $ 3,911,000 | $ 217,277 | $ 14,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 17 | $ 3,605,000 | $ 212,058 | $ 0 |
| Eugene, OR | 17 | $ 3,127,000 | $ 183,941 | $ 2,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 17 | $ 4,750,000 | $ 279,411 | $ 5,000 |
| Gary, IN | 17 | $ 3,356,000 | $ 197,411 | $ 0 |
| Vallejo-Fairfield, CA | 17 | $ 5,759,000 | $ 338,764 | $ 8,000 |
| Winston-Salem, NC | 17 | $ 2,990,000 | $ 175,882 | $ 1,000 |
| Camden, NJ | 16 | $ 3,639,000 | $ 227,437 | $ 9,000 |
| Columbus, GA-AL | 16 | $ 3,290,000 | $ 205,625 | $ 4,375 |
| Corpus Christi, TX | 16 | $ 2,703,000 | $ 168,937 | $ 0 |
| Durham-Chapel Hill, NC | 16 | $ 2,965,000 | $ 185,312 | $ 0 |
| New Bern, NC | 16 | $ 2,561,000 | $ 160,062 | $ 3,000 |
| Oakland-Hayward-Berkeley, CA | 16 | $ 7,113,000 | $ 444,562 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 15 | $ 3,206,000 | $ 213,733 | $ 8,000 |
| Asheville, NC | 15 | $ 2,844,000 | $ 189,600 | $ 6,000 |
| Detroit-Dearborn-Livonia, MI | 15 | $ 2,553,000 | $ 170,200 | $ 0 |
| Las Cruces, NM | 15 | $ 2,921,000 | $ 194,733 | $ 2,000 |
| Medford, OR | 15 | $ 3,297,000 | $ 219,800 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 15 | $ 2,586,000 | $ 172,400 | $ 2,000 |
| Reno, NV | 15 | $ 3,318,000 | $ 221,200 | $ 9,000 |
| Anaheim-Santa Ana-Irvine, CA | 14 | $ 7,543,000 | $ 538,785 | $ 0 |
| Daphne-Fairhope-Foley, AL | 14 | $ 3,105,000 | $ 221,785 | $ 10,000 |
| Knoxville, TN | 14 | $ 3,380,000 | $ 241,428 | $ 8,000 |
| Montgomery County-Bucks County-Chester County, PA | 14 | $ 2,871,000 | $ 205,071 | $ 0 |
| Montgomery, AL | 14 | $ 2,667,000 | $ 190,500 | $ 0 |
| Newark, NJ-PA | 14 | $ 4,013,000 | $ 286,642 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 14 | $ 2,199,000 | $ 157,071 | $ 4,285 |
| Oxnard-Thousand Oaks-Ventura, CA | 14 | $ 6,323,000 | $ 451,642 | $ 0 |
| Port St. Lucie, FL | 14 | $ 3,035,000 | $ 216,785 | $ 5,000 |
| Prescott, AZ | 14 | $ 2,731,000 | $ 195,071 | $ 9,000 |
| Bakersfield, CA | 13 | $ 2,897,000 | $ 222,846 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 13 | $ 2,872,000 | $ 220,923 | $ 7,000 |
| Greensboro-High Point, NC | 13 | $ 2,111,000 | $ 162,384 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 13 | $ 2,841,000 | $ 218,538 | $ 2,538 |
| Kennewick-Richland, WA | 13 | $ 2,330,000 | $ 179,230 | $ 11,000 |
| Milwaukee-Waukesha-West Allis, WI | 13 | $ 2,620,000 | $ 201,538 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 13 | $ 2,711,000 | $ 208,538 | $ 13,000 |
| Salisbury, MD-DE | 13 | $ 2,335,000 | $ 179,615 | $ 0 |
| Stockton-Lodi, CA | 13 | $ 4,309,000 | $ 331,461 | $ 14,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 13 | $ 3,549,000 | $ 273,000 | $ 15,000 |
| Yuma, AZ | 13 | $ 2,163,000 | $ 166,384 | $ 0 |
| Elizabethtown-Fort Knox, KY | 12 | $ 2,397,000 | $ 199,750 | $ 0 |
| Fort Collins, CO | 12 | $ 3,538,000 | $ 294,833 | $ 11,000 |
| Ocala, FL | 12 | $ 2,037,000 | $ 169,750 | $ 0 |
| Philadelphia, PA | 12 | $ 2,225,000 | $ 185,416 | $ 0 |
| Salem, OR | 12 | $ 3,398,000 | $ 283,166 | $ 11,000 |
| Springfield, MO | 12 | $ 2,015,000 | $ 167,916 | $ 12,000 |
| Wichita, KS | 12 | $ 1,333,000 | $ 111,083 | $ 0 |
| Bend-Redmond, OR | 11 | $ 2,621,000 | $ 238,272 | $ 9,000 |
| Billings, MT | 11 | $ 2,268,000 | $ 206,181 | $ 6,000 |
| Davenport-Moline-Rock Island, IA-IL | 11 | $ 1,666,000 | $ 151,454 | $ 10,909 |
| Dover, DE | 11 | $ 2,303,000 | $ 209,363 | $ 0 |
| Lafayette, LA | 11 | $ 1,966,000 | $ 178,727 | $ 0 |
| York-Hanover, PA | 11 | $ 2,043,000 | $ 185,727 | $ 0 |
| Akron, OH | 10 | $ 1,831,000 | $ 183,100 | $ 6,000 |
| Auburn-Opelika, AL | 10 | $ 2,390,000 | $ 239,000 | $ 16,000 |
| Cape Coral-Fort Myers, FL | 10 | $ 2,460,000 | $ 246,000 | $ 0 |
| Cheyenne, WY | 10 | $ 1,892,000 | $ 189,200 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 10 | $ 1,942,000 | $ 194,200 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 10 | $ 2,596,000 | $ 259,600 | $ 0 |
| Rockingham County-Strafford County, NH | 10 | $ 2,673,000 | $ 267,300 | $ 10,000 |
| Albany, OR | 9 | $ 1,896,000 | $ 210,666 | $ 6,000 |
| Charlottesville, VA | 9 | $ 3,031,000 | $ 336,777 | $ 16,000 |
| Elgin, IL | 9 | $ 2,158,000 | $ 239,777 | $ 0 |
| Goldsboro, NC | 9 | $ 1,814,000 | $ 201,555 | $ 9,000 |
| Greeley, CO | 9 | $ 2,400,000 | $ 266,666 | $ 0 |
| Jackson, MS | 9 | $ 1,886,000 | $ 209,555 | $ 0 |
| Merced, CA | 9 | $ 2,088,000 | $ 232,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 9 | $ 2,503,000 | $ 278,111 | $ 9,000 |
| Modesto, CA | 9 | $ 2,411,000 | $ 267,888 | $ 6,000 |
| Portland-South Portland, ME | 9 | $ 1,981,000 | $ 220,111 | $ 16,000 |
| Sierra Vista-Douglas, AZ | 9 | $ 1,744,000 | $ 193,777 | $ 0 |
| Valdosta, GA | 9 | $ 1,825,000 | $ 202,777 | $ 0 |
| Yakima, WA | 9 | $ 1,902,000 | $ 211,333 | $ 16,000 |
| Chattanooga, TN-GA | 8 | $ 1,186,000 | $ 148,250 | $ 0 |
| Evansville, IN-KY | 8 | $ 1,466,000 | $ 183,250 | $ 10,000 |
| Grand Rapids-Wyoming, MI | 8 | $ 1,590,000 | $ 198,750 | $ 7,000 |
| Harrisburg-Carlisle, PA | 8 | $ 1,612,000 | $ 201,500 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 8 | $ 1,076,000 | $ 134,500 | $ 0 |
| Lake County-Kenosha County, IL-WI | 8 | $ 1,455,000 | $ 181,875 | $ 6,000 |
| McAllen-Edinburg-Mission, TX | 8 | $ 1,610,000 | $ 201,250 | $ 17,000 |
| Mobile, AL | 8 | $ 1,309,000 | $ 163,625 | $ 0 |
| Norwich-New London, CT | 8 | $ 1,711,000 | $ 213,875 | $ 0 |
| Pueblo, CO | 8 | $ 1,291,000 | $ 161,375 | $ 0 |
| St. George, UT | 8 | $ 1,914,000 | $ 239,250 | $ 167,000 |
| Wilmington, NC | 8 | $ 2,113,000 | $ 264,125 | $ 0 |
| Burlington-South Burlington, VT | 7 | $ 1,918,000 | $ 274,000 | $ 17,000 |
| East Stroudsburg, PA | 7 | $ 1,692,000 | $ 241,714 | $ 0 |
| Grand Junction, CO | 7 | $ 1,420,000 | $ 202,857 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 7 | $ 1,463,000 | $ 209,000 | $ 0 |
| Lexington-Fayette, KY | 7 | $ 1,184,000 | $ 169,142 | $ 6,000 |
| Manchester-Nashua, NH | 7 | $ 1,467,000 | $ 209,571 | $ 0 |
| Panama City, FL | 7 | $ 1,407,000 | $ 201,000 | $ 11,000 |
| Sebastian-Vero Beach, FL | 7 | $ 1,565,000 | $ 223,571 | $ 0 |
| Sioux Falls, SD | 7 | $ 1,448,000 | $ 206,857 | $ 0 |
| Tallahassee, FL | 7 | $ 1,539,000 | $ 219,857 | $ 34,000 |
| Texarkana, TX-AR | 7 | $ 1,145,000 | $ 163,571 | $ 22,000 |
| Visalia-Porterville, CA | 7 | $ 1,741,000 | $ 248,714 | $ 7,000 |
| Alexandria, LA | 6 | $ 1,253,000 | $ 208,833 | $ 0 |
| Anniston-Oxford-Jacksonville, AL | 6 | $ 964,000 | $ 160,666 | $ 0 |
| Appleton, WI | 6 | $ 1,102,000 | $ 183,666 | $ 0 |
| Brownsville-Harlingen, TX | 6 | $ 1,496,000 | $ 249,333 | $ 0 |
| Canton-Massillon, OH | 6 | $ 789,000 | $ 131,500 | $ 0 |
| Cleveland, TN | 6 | $ 977,000 | $ 162,833 | $ 14,000 |
| Fort Smith, AR-OK | 6 | $ 1,099,000 | $ 183,166 | $ 0 |
| Gettysburg, PA | 6 | $ 1,713,000 | $ 285,500 | $ 0 |
| Greenville, NC | 6 | $ 1,039,000 | $ 173,166 | $ 8,000 |
| Idaho Falls, ID | 6 | $ 1,379,000 | $ 229,833 | $ 26,000 |
| Jackson, MI | 6 | $ 902,000 | $ 150,333 | $ 6,000 |
| Kingsport-Bristol-Bristol, TN-VA | 6 | $ 1,073,000 | $ 178,833 | $ 0 |
| Lake Havasu City-Kingman, AZ | 6 | $ 1,187,000 | $ 197,833 | $ 0 |
| Lancaster, PA | 6 | $ 1,253,000 | $ 208,833 | $ 0 |
| Lynchburg, VA | 6 | $ 996,000 | $ 166,000 | $ 16,000 |
| Missoula, MT | 6 | $ 1,407,000 | $ 234,500 | $ 0 |
| Mount Vernon-Anacortes, WA | 6 | $ 1,165,000 | $ 194,166 | $ 0 |
| New Haven-Milford, CT | 6 | $ 1,527,000 | $ 254,500 | $ 0 |
| Racine, WI | 6 | $ 1,133,000 | $ 188,833 | $ 0 |
| Rocky Mount, NC | 6 | $ 796,000 | $ 132,666 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 6 | $ 2,086,000 | $ 347,666 | $ 0 |
| Scranton--Wilkes-Barre--Hazleton, PA | 6 | $ 1,263,000 | $ 210,500 | $ 0 |
| Spartanburg, SC | 6 | $ 1,227,000 | $ 204,500 | $ 0 |
| Staunton-Waynesboro, VA | 6 | $ 911,000 | $ 151,833 | $ 0 |
| Tuscaloosa, AL | 6 | $ 1,208,000 | $ 201,333 | $ 0 |
| Waco, TX | 6 | $ 943,000 | $ 157,166 | $ 0 |
| Abilene, TX | 5 | $ 972,000 | $ 194,400 | $ 0 |
| Beaumont-Port Arthur, TX | 5 | $ 723,000 | $ 144,600 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 5 | $ 1,972,000 | $ 394,400 | $ 0 |
| Casper, WY | 5 | $ 1,268,000 | $ 253,600 | $ 0 |
| Duluth, MN-WI | 5 | $ 857,000 | $ 171,400 | $ 0 |
| Erie, PA | 5 | $ 834,000 | $ 166,800 | $ 0 |
| Fairbanks, AK | 5 | $ 1,208,000 | $ 241,600 | $ 36,000 |
| Farmington, NM | 5 | $ 1,151,000 | $ 230,200 | $ 90,000 |
| Grand Forks, ND-MN | 5 | $ 1,338,000 | $ 267,600 | $ 0 |
| Grants Pass, OR | 5 | $ 1,175,000 | $ 235,000 | $ 13,000 |
| Great Falls, MT | 5 | $ 1,085,000 | $ 217,000 | $ 10,000 |
| Hammond, LA | 5 | $ 904,000 | $ 180,800 | $ 0 |
| Houma-Thibodaux, LA | 5 | $ 803,000 | $ 160,600 | $ 0 |
| Longview, WA | 5 | $ 816,000 | $ 163,200 | $ 14,000 |
| Macon, GA | 5 | $ 1,007,000 | $ 201,400 | $ 0 |
| Madera, CA | 5 | $ 888,000 | $ 177,600 | $ 0 |
| Peoria, IL | 5 | $ 771,000 | $ 154,200 | $ 0 |
| Roanoke, VA | 5 | $ 1,095,000 | $ 219,000 | $ 0 |
| Rochester, MN | 5 | $ 744,000 | $ 148,800 | $ 0 |
| Rockford, IL | 5 | $ 661,000 | $ 132,200 | $ 0 |
| Santa Rosa, CA | 5 | $ 2,092,000 | $ 418,400 | $ 0 |
| Springfield, IL | 5 | $ 785,000 | $ 157,000 | $ 0 |
| St. Joseph, MO-KS | 5 | $ 827,000 | $ 165,400 | $ 9,000 |
| Sumter, SC | 5 | $ 905,000 | $ 181,000 | $ 0 |
| Terre Haute, IN | 5 | $ 855,000 | $ 171,000 | $ 0 |
| The Villages, FL | 5 | $ 868,000 | $ 173,600 | $ 7,000 |
| Toledo, OH | 5 | $ 539,000 | $ 107,800 | $ 0 |
| Tyler, TX | 5 | $ 909,000 | $ 181,800 | $ 32,000 |
| Victoria, TX | 5 | $ 813,000 | $ 162,600 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 5 | $ 844,000 | $ 168,800 | $ 0 |
| Yuba City, CA | 5 | $ 1,801,000 | $ 360,200 | $ 0 |
| Albany, GA | 4 | $ 841,000 | $ 210,250 | $ 0 |
| Bangor, ME | 4 | $ 582,000 | $ 145,500 | $ 6,000 |
| Bloomington, IN | 4 | $ 625,000 | $ 156,250 | $ 0 |
| California-Lexington Park, MD | 4 | $ 774,000 | $ 193,500 | $ 0 |
| Cedar Rapids, IA | 4 | $ 713,000 | $ 178,250 | $ 0 |
| Chambersburg-Waynesboro, PA | 4 | $ 867,000 | $ 216,750 | $ 0 |
| Charleston, WV | 4 | $ 759,000 | $ 189,750 | $ 0 |
| Chico, CA | 4 | $ 673,000 | $ 168,250 | $ 10,000 |
| Coeur D'Alene, ID | 4 | $ 830,000 | $ 207,500 | $ 0 |
| Cumberland, MD-WV | 4 | $ 388,000 | $ 97,000 | $ 0 |
| Dubuque, IA | 4 | $ 962,000 | $ 240,500 | $ 0 |
| El Centro, CA | 4 | $ 835,000 | $ 208,750 | $ 0 |
| Fargo, ND-MN | 4 | $ 721,000 | $ 180,250 | $ 0 |
| Flint, MI | 4 | $ 509,000 | $ 127,250 | $ 15,000 |
| Gadsden, AL | 4 | $ 780,000 | $ 195,000 | $ 0 |
| Gainesville, GA | 4 | $ 866,000 | $ 216,500 | $ 0 |
| Green Bay, WI | 4 | $ 698,000 | $ 174,500 | $ 0 |
| Homosassa Springs, FL | 4 | $ 596,000 | $ 149,000 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 4 | $ 524,000 | $ 131,000 | $ 0 |
| Jonesboro, AR | 4 | $ 502,000 | $ 125,500 | $ 0 |
| Kahului-Wailuku-Lahaina, HI | 4 | $ 2,036,000 | $ 509,000 | $ 0 |
| Lake Charles, LA | 4 | $ 590,000 | $ 147,500 | $ 0 |
| Laredo, TX | 4 | $ 877,000 | $ 219,250 | $ 0 |
| Lebanon, PA | 4 | $ 859,000 | $ 214,750 | $ 15,000 |
| Logan, UT-ID | 4 | $ 1,052,000 | $ 263,000 | $ 24,000 |
| Muskegon, MI | 4 | $ 434,000 | $ 108,500 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 1,064,000 | $ 266,000 | $ 0 |
| Rapid City, SD | 4 | $ 637,000 | $ 159,250 | $ 0 |
| Reading, PA | 4 | $ 797,000 | $ 199,250 | $ 22,000 |
| South Bend-Mishawaka, IN-MI | 4 | $ 1,005,000 | $ 251,250 | $ 0 |
| Waterloo-Cedar Falls, IA | 4 | $ 477,000 | $ 119,250 | $ 32,000 |
| Athens-Clarke County, GA | 3 | $ 387,000 | $ 129,000 | $ 17,000 |
| Bay City, MI | 3 | $ 433,000 | $ 144,333 | $ 0 |
| Bellingham, WA | 3 | $ 699,000 | $ 233,000 | $ 0 |
| Bismarck, ND | 3 | $ 616,000 | $ 205,333 | $ 0 |
| Blacksburg-Christiansburg-Radford, VA | 3 | $ 760,000 | $ 253,333 | $ 0 |
| Brunswick, GA | 3 | $ 670,000 | $ 223,333 | $ 0 |
| Cape Girardeau, MO-IL | 3 | $ 496,000 | $ 165,333 | $ 0 |
| Carbondale-Marion, IL | 3 | $ 514,000 | $ 171,333 | $ 0 |
| Columbia, MO | 3 | $ 415,000 | $ 138,333 | $ 0 |
| Decatur, AL | 3 | $ 549,000 | $ 183,000 | $ 0 |
| Decatur, IL | 3 | $ 364,000 | $ 121,333 | $ 0 |
| Dothan, AL | 3 | $ 368,000 | $ 122,666 | $ 0 |
| Elkhart-Goshen, IN | 3 | $ 438,000 | $ 146,000 | $ 34,000 |
| Hanford-Corcoran, CA | 3 | $ 626,000 | $ 208,666 | $ 0 |
| Iowa City, IA | 3 | $ 1,021,000 | $ 340,333 | $ 0 |
| Janesville-Beloit, WI | 3 | $ 568,000 | $ 189,333 | $ 0 |
| Lansing-East Lansing, MI | 3 | $ 456,000 | $ 152,000 | $ 0 |
| Lawrence, KS | 3 | $ 787,000 | $ 262,333 | $ 44,000 |
| Lewiston, ID-WA | 3 | $ 733,000 | $ 244,333 | $ 32,000 |
| Lubbock, TX | 3 | $ 757,000 | $ 252,333 | $ 0 |
| Madison, WI | 3 | $ 783,000 | $ 261,000 | $ 0 |
| Manhattan, KS | 3 | $ 460,000 | $ 153,333 | $ 0 |
| Michigan City-La Porte, IN | 3 | $ 691,000 | $ 230,333 | $ 0 |
| Midland, TX | 3 | $ 677,000 | $ 225,666 | $ 0 |
| Morgantown, WV | 3 | $ 681,000 | $ 227,000 | $ 0 |
| Oshkosh-Neenah, WI | 3 | $ 381,000 | $ 127,000 | $ 4,000 |
| Punta Gorda, FL | 3 | $ 509,000 | $ 169,666 | $ 17,000 |
| Saginaw, MI | 3 | $ 360,000 | $ 120,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 1,615,000 | $ 538,333 | $ 23,000 |
| Santa Maria-Santa Barbara, CA | 3 | $ 874,000 | $ 291,333 | $ 100,000 |
| Topeka, KS | 3 | $ 635,000 | $ 211,666 | $ 0 |
| Trenton, NJ | 3 | $ 768,000 | $ 256,000 | $ 0 |
| Vineland-Bridgeton, NJ | 3 | $ 421,000 | $ 140,333 | $ 0 |
| Wausau, WI | 3 | $ 399,000 | $ 133,000 | $ 0 |
| Amarillo, TX | 2 | $ 279,000 | $ 139,500 | $ 0 |
| Ann Arbor, MI | 2 | $ 383,000 | $ 191,500 | $ 0 |
| Atlantic City-Hammonton, NJ | 2 | $ 298,000 | $ 149,000 | $ 0 |
| Beckley, WV | 2 | $ 500,000 | $ 250,000 | $ 0 |
| Boulder, CO | 2 | $ 375,000 | $ 187,500 | $ 0 |
| College Station-Bryan, TX | 2 | $ 323,000 | $ 161,500 | $ 0 |
| Corvallis, OR | 2 | $ 701,000 | $ 350,500 | $ 0 |
| Flagstaff, AZ | 2 | $ 468,000 | $ 234,000 | $ 0 |
| Florence, SC | 2 | $ 262,000 | $ 131,000 | $ 0 |
| Florence-Muscle Shoals, AL | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Gainesville, FL | 2 | $ 453,000 | $ 226,500 | $ 0 |
| Hot Springs, AR | 2 | $ 367,000 | $ 183,500 | $ 0 |
| Jackson, TN | 2 | $ 262,000 | $ 131,000 | $ 0 |
| Johnson City, TN | 2 | $ 362,000 | $ 181,000 | $ 0 |
| Kokomo, IN | 2 | $ 324,000 | $ 162,000 | $ 0 |
| Lewiston-Auburn, ME | 2 | $ 608,000 | $ 304,000 | $ 0 |
| Lincoln, NE | 2 | $ 471,000 | $ 235,500 | $ 0 |
| Longview, TX | 2 | $ 379,000 | $ 189,500 | $ 0 |
| Monroe, LA | 2 | $ 470,000 | $ 235,000 | $ 0 |
| Monroe, MI | 2 | $ 324,000 | $ 162,000 | $ 0 |
| Niles-Benton Harbor, MI | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Odessa, TX | 2 | $ 443,000 | $ 221,500 | $ 0 |
| Parkersburg-Vienna, WV | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Redding, CA | 2 | $ 415,000 | $ 207,500 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 1,757,000 | $ 878,500 | $ 0 |
| Sioux City, IA-NE-SD | 2 | $ 189,000 | $ 94,500 | $ 0 |
| Walla Walla, WA | 2 | $ 354,000 | $ 177,000 | $ 0 |
| Wenatchee, WA | 2 | $ 458,000 | $ 229,000 | $ 0 |
| Wichita Falls, TX | 2 | $ 247,000 | $ 123,500 | $ 0 |
| Williamsport, PA | 2 | $ 301,000 | $ 150,500 | $ 0 |
| Winchester, VA-WV | 2 | $ 743,000 | $ 371,500 | $ 66,000 |
| Altoona, PA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Battle Creek, MI | 1 | $ 278,000 | $ 278,000 | $ 0 |
| Bloomington, IL | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Bloomsburg-Berwick, PA | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Bowling Green, KY | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Burlington, NC | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Carson City, NV | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Danville, IL | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Eau Claire, WI | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Fond Du Lac, WI | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Grand Island, NE | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Harrisonburg, VA | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Jefferson City, MO | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Johnstown, PA | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Kalamazoo-Portage, MI | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Lafayette-West Lafayette, IN | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Mankato-North Mankato, MN | 1 | $ 229,000 | $ 229,000 | $ 0 |
| Midland, MI | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Muncie, IN | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Napa, CA | 1 | $ 418,000 | $ 418,000 | $ 0 |
| Ocean City, NJ | 1 | $ 299,000 | $ 299,000 | $ 0 |
| Pine Bluff, AR | 1 | $ 179,000 | $ 179,000 | $ 0 |
| Salinas, CA | 1 | $ 565,000 | $ 565,000 | $ 0 |
| San Angelo, TX | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 761,000 | $ 761,000 | $ 0 |
| Sheboygan, WI | 1 | $ 191,000 | $ 191,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 105,000 | $ 105,000 | $ 0 |
| St. Cloud, MN | 1 | $ 142,000 | $ 142,000 | $ 0 |
Mortgage Loan Application Detail Totals for Low VA Rates, LLC in 2016
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 8,009 | $1,831,342,000 | $228,000 | $1,063,000 | $4,000 | $1,699,000 |
| Home Purchase | 171 | $41,697,000 | $243,000 | $783,000 | $84,000 | $1,289,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 3,760 | $842,139,000 | $223,000 | $987,000 | $9,000 | $1,699,000 |
| Not Provided | 2,258 | $514,179,000 | $227,000 | $1,063,000 | $1,000 | $273,000 |
| Black or African American | 1,279 | $299,546,000 | $234,000 | $855,000 | $4,000 | $260,000 |
| Hispanic | 671 | $161,758,000 | $241,000 | $830,000 | $7,000 | $298,000 |
| Asian | 95 | $27,598,000 | $290,000 | $632,000 | $7,000 | $144,000 |
| American Indian or Alaskan Native | 72 | $15,544,000 | $215,000 | $604,000 | $4,000 | $108,000 |
| Native Hawaiin or Other Pacific Islander | 45 | $12,275,000 | $272,000 | $598,000 | $9,000 | $132,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| VA-guaranteed (Veterans Administration) | 7,997 | $1,832,329,000 | $229,000 | $1,063,000 | $5,000 | $1,699,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 97 | $22,295,000 | $229,000 | $567,000 | $103,000 | $1,289,000 |
| FHA-insured (Federal Housing Administration) | 78 | $16,704,000 | $214,000 | $549,000 | $38,000 | $160,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,711,000 | $213,000 | $377,000 | $56,000 | $94,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 4,862 | $1,086,562,000 | $223,000 | $976,000 | $5,000 | $1,289,000 |
| Application Withdrawn By Applicant | 2,622 | $626,376,000 | $238,000 | $1,063,000 | $6,000 | $1,699,000 |
| Application Denied By Financial Institution | 418 | $91,576,000 | $219,000 | $743,000 | $12,000 | $255,000 |
| File Closed For Incompleteness | 278 | $68,525,000 | $246,000 | $937,000 | $10,000 | $360,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 220 | $46,020,000 | $209,000 | $721,000 | $5,000 | $143,000 |
| Other | 164 | $37,058,000 | $225,000 | $743,000 | $10,000 | $255,000 |
| Debt-To-Income Ratio | 14 | $3,309,000 | $236,000 | $598,000 | $75,000 | $132,000 |
| Collateral | 10 | $2,740,000 | $274,000 | $450,000 | $91,000 | $185,000 |
| Employment History | 3 | $686,000 | $228,000 | $285,000 | $37,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $201,000 | $201,000 | $201,000 | $0 | $0 |
| Mortgage Insurance Denied | 1 | $275,000 | $275,000 | $275,000 | $74,000 | $74,000 |
| Unverifiable Information | 1 | $289,000 | $289,000 | $289,000 | $67,000 | $67,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Low VA Rates, LLC's 2016 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Low VA Rates, LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Utah, download the full spreadsheet
with aggregated HMDA statistics today.
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