Low VA Rates, LLC Mortgage Lending & HMDA Data, 2019
In 2019, Low VA Rates, LLC of Lindon, UT reported 5,115 mortgage applications totaling $1.2 billion, up 27% from 2018. The average application was for $227,793, and applicants reported an average income of $12,037. 79% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Las Vegas-Henderson-Paradise, NV (237), Atlanta-Sandy Springs-Roswell, GA (147) and Phoenix-Mesa-Scottsdale, AZ (112) (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 | 5,115 |
| Total Mortgage Loan Application Amount | $1,165,165,000 |
| Average Mortgage Loan Application Amount | $227,793 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $12,037 |
| Highest Applicant Income | $800,000 |
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Act (HMDA) records Low VA Rates, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 694 | $ 160,570,000 | $ 231,368 | $ 7,324 |
| Las Vegas-Henderson-Paradise, NV | 237 | $ 52,405,000 | $ 221,118 | $ 40,000 |
| Atlanta-Sandy Springs-Roswell, GA | 147 | $ 33,405,000 | $ 227,244 | $ 16,000 |
| Phoenix-Mesa-Scottsdale, AZ | 112 | $ 24,740,000 | $ 220,892 | $ 10,000 |
| Riverside-San Bernardino-Ontario, CA | 99 | $ 23,845,000 | $ 240,858 | $ 17,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 96 | $ 23,600,000 | $ 245,833 | $ 8,010 |
| San Antonio-New Braunfels, TX | 91 | $ 20,635,000 | $ 226,758 | $ 11,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 90 | $ 19,630,000 | $ 218,111 | $ 7,733 |
| Dallas-Plano-Irving, TX | 81 | $ 18,965,000 | $ 234,135 | $ 4,000 |
| Houston-The Woodlands-Sugar Land, TX | 74 | $ 16,280,000 | $ 220,000 | $ 7,000 |
| Tampa-St. Petersburg-Clearwater, FL | 72 | $ 15,790,000 | $ 219,305 | $ 5,000 |
| Charlotte-Concord-Gastonia, NC-SC | 63 | $ 13,985,000 | $ 221,984 | $ 15,761 |
| Fayetteville, NC | 59 | $ 11,635,000 | $ 197,203 | $ 2,000 |
| Killeen-Temple, TX | 55 | $ 12,355,000 | $ 224,636 | $ 2,000 |
| Indianapolis-Carmel-Anderson, IN | 51 | $ 12,015,000 | $ 235,588 | $ 8,000 |
| St. Louis, MO-IL | 50 | $ 13,450,000 | $ 269,000 | $ 10,760 |
| Salt Lake City, UT | 49 | $ 11,085,000 | $ 226,224 | $ 37,000 |
| Orlando-Kissimmee-Sanford, FL | 45 | $ 10,115,000 | $ 224,777 | $ 14,000 |
| Richmond, VA | 45 | $ 9,455,000 | $ 210,111 | $ 3,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 44 | $ 9,980,000 | $ 226,818 | $ 26,000 |
| Columbia, SC | 43 | $ 8,405,000 | $ 195,465 | $ 2,000 |
| Colorado Springs, CO | 41 | $ 9,155,000 | $ 223,292 | $ 10,000 |
| Fort Worth-Arlington, TX | 41 | $ 8,615,000 | $ 210,121 | $ 3,000 |
| Austin-Round Rock, TX | 39 | $ 9,235,000 | $ 236,794 | $ 14,000 |
| Chicago-Naperville, IL | 39 | $ 9,475,000 | $ 242,948 | $ 24,000 |
| Tucson, AZ | 39 | $ 8,795,000 | $ 225,512 | $ 5,000 |
| Baltimore-Columbia-Towson, MD | 37 | $ 9,555,000 | $ 258,243 | $ 8,000 |
| Columbus, OH | 37 | $ 8,875,000 | $ 239,864 | $ 11,000 |
| Kansas City, MO-KS | 36 | $ 7,000,000 | $ 194,444 | $ 9,944 |
| Little Rock-North Little Rock-Conway, AR | 36 | $ 8,680,000 | $ 241,111 | $ 4,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 36 | $ 7,020,000 | $ 195,000 | $ 11,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 36 | $ 8,650,000 | $ 240,277 | $ 13,000 |
| Denver-Aurora-Lakewood, CO | 34 | $ 8,260,000 | $ 242,941 | $ 12,000 |
| Jacksonville, FL | 34 | $ 7,920,000 | $ 232,941 | $ 14,000 |
| Birmingham-Hoover, AL | 33 | $ 7,905,000 | $ 239,545 | $ 4,000 |
| Los Angeles-Long Beach-Glendale, CA | 33 | $ 8,365,000 | $ 253,484 | $ 25,000 |
| Provo-Orem, UT | 33 | $ 7,375,000 | $ 223,484 | $ 62,000 |
| Cincinnati, OH-KY-IN | 32 | $ 7,490,000 | $ 234,062 | $ 11,250 |
| Memphis, TN-MS-AR | 32 | $ 7,640,000 | $ 238,750 | $ 625 |
| Oklahoma City, OK | 32 | $ 7,290,000 | $ 227,812 | $ 5,000 |
| Cleveland-Elyria, OH | 31 | $ 6,985,000 | $ 225,322 | $ 0 |
| El Paso, TX | 31 | $ 6,415,000 | $ 206,935 | $ 4,000 |
| Ogden-Clearfield, UT | 31 | $ 7,165,000 | $ 231,129 | $ 34,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 31 | $ 7,035,000 | $ 226,935 | $ 28,354 |
| Albuquerque, NM | 30 | $ 6,680,000 | $ 222,666 | $ 10,000 |
| Raleigh, NC | 30 | $ 8,170,000 | $ 272,333 | $ 6,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 27 | $ 6,435,000 | $ 238,333 | $ 0 |
| San Diego-Carlsbad, CA | 27 | $ 5,275,000 | $ 195,370 | $ 31,000 |
| Warren-Troy-Farmington Hills, MI | 26 | $ 5,440,000 | $ 209,230 | $ 4,000 |
| Pittsburgh, PA | 25 | $ 5,365,000 | $ 214,600 | $ 1,000 |
| Clarksville, TN-KY | 23 | $ 5,555,000 | $ 241,521 | $ 9,130 |
| Jacksonville, NC | 23 | $ 5,355,000 | $ 232,826 | $ 0 |
| Louisville/Jefferson County, KY-IN | 23 | $ 5,725,000 | $ 248,913 | $ 2,608 |
| Lakeland-Winter Haven, FL | 22 | $ 4,260,000 | $ 193,636 | $ 14,000 |
| Reno, NV | 20 | $ 4,450,000 | $ 222,500 | $ 30,000 |
| Warner Robins, GA | 20 | $ 5,760,000 | $ 288,000 | $ 6,000 |
| Anchorage, AK | 19 | $ 4,815,000 | $ 253,421 | $ 24,000 |
| Augusta-Richmond County, GA-SC | 19 | $ 4,235,000 | $ 222,894 | $ 8,684 |
| Bakersfield, CA | 19 | $ 4,085,000 | $ 215,000 | $ 9,000 |
| Huntsville, AL | 19 | $ 4,785,000 | $ 251,842 | $ 7,000 |
| Ocala, FL | 19 | $ 4,385,000 | $ 230,789 | $ 2,000 |
| Omaha-Council Bluffs, NE-IA | 19 | $ 4,605,000 | $ 242,368 | $ 6,631 |
| Savannah, GA | 19 | $ 6,025,000 | $ 317,105 | $ 0 |
| Cape Coral-Fort Myers, FL | 18 | $ 4,540,000 | $ 252,222 | $ 2,000 |
| Pensacola-Ferry Pass-Brent, FL | 18 | $ 3,870,000 | $ 215,000 | $ 2,000 |
| Boise City, ID | 17 | $ 4,325,000 | $ 254,411 | $ 17,000 |
| Cheyenne, WY | 17 | $ 4,605,000 | $ 270,882 | $ 9,000 |
| Lake Havasu City-Kingman, AZ | 17 | $ 3,565,000 | $ 209,705 | $ 6,000 |
| Tulsa, OK | 17 | $ 3,915,000 | $ 230,294 | $ 2,000 |
| Baton Rouge, LA | 16 | $ 3,990,000 | $ 249,375 | $ 14,000 |
| Camden, NJ | 16 | $ 2,780,000 | $ 173,750 | $ 4,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 16 | $ 3,290,000 | $ 205,625 | $ 4,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 16 | $ 3,590,000 | $ 224,375 | $ 13,000 |
| Greensboro-High Point, NC | 16 | $ 3,680,000 | $ 230,000 | $ 4,000 |
| Newark, NJ-PA | 16 | $ 3,770,000 | $ 235,625 | $ 22,000 |
| Palm Bay-Melbourne-Titusville, FL | 16 | $ 3,410,000 | $ 213,125 | $ 8,000 |
| Winston-Salem, NC | 16 | $ 3,140,000 | $ 196,250 | $ 14,000 |
| Columbus, GA-AL | 15 | $ 3,405,000 | $ 227,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 15 | $ 3,335,000 | $ 222,333 | $ 17,000 |
| Grand Rapids-Wyoming, MI | 15 | $ 2,975,000 | $ 198,333 | $ 0 |
| Knoxville, TN | 15 | $ 3,395,000 | $ 226,333 | $ 4,000 |
| Charleston-North Charleston, SC | 14 | $ 2,370,000 | $ 169,285 | $ 17,000 |
| Greenville-Anderson-Mauldin, SC | 14 | $ 4,060,000 | $ 290,000 | $ 10,000 |
| Philadelphia, PA | 14 | $ 3,220,000 | $ 230,000 | $ 5,000 |
| Tacoma-Lakewood, WA | 14 | $ 3,820,000 | $ 272,857 | $ 31,000 |
| Asheville, NC | 13 | $ 3,125,000 | $ 240,384 | $ 15,000 |
| Eugene, OR | 13 | $ 2,775,000 | $ 213,461 | $ 0 |
| Hinesville, GA | 13 | $ 3,255,000 | $ 250,384 | $ 3,000 |
| Prescott Valley-Prescott, AZ | 13 | $ 3,495,000 | $ 268,846 | $ 14,000 |
| Salem, OR | 13 | $ 3,125,000 | $ 240,384 | $ 22,000 |
| Springfield, MO | 13 | $ 2,875,000 | $ 221,153 | $ 0 |
| Lawton, OK | 12 | $ 2,590,000 | $ 215,833 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 12 | $ 2,790,000 | $ 232,500 | $ 8,000 |
| Milwaukee-Waukesha-West Allis, WI | 12 | $ 3,420,000 | $ 285,000 | $ 8,000 |
| New York-Newark, NY | 12 | $ 2,820,000 | $ 235,000 | $ 15,000 |
| Oakland-Hayward-Berkeley, CA | 12 | $ 2,490,000 | $ 207,500 | $ 20,000 |
| Shreveport-Bossier City, LA | 12 | $ 2,300,000 | $ 191,666 | $ 3,000 |
| Coeur D'Alene, ID | 11 | $ 2,445,000 | $ 222,272 | $ 4,000 |
| Corpus Christi, TX | 11 | $ 2,345,000 | $ 213,181 | $ 11,000 |
| Crestview-Fort Walton Beach-Destin, FL | 11 | $ 2,495,000 | $ 226,818 | $ 0 |
| Des Moines-West Des Moines, IA | 11 | $ 2,555,000 | $ 232,272 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 11 | $ 2,185,000 | $ 198,636 | $ 22,000 |
| Fresno, CA | 11 | $ 2,195,000 | $ 199,545 | $ 4,000 |
| Gary, IN | 11 | $ 2,315,000 | $ 210,454 | $ 20,000 |
| Harrisburg-Carlisle, PA | 11 | $ 1,955,000 | $ 177,727 | $ 4,000 |
| Mobile, AL | 11 | $ 2,885,000 | $ 262,272 | $ 27,000 |
| Montgomery County-Bucks County-Chester County, PA | 11 | $ 2,535,000 | $ 230,454 | $ 8,000 |
| New Orleans-Metairie, LA | 11 | $ 2,595,000 | $ 235,909 | $ 0 |
| Seattle-Bellevue-Everett, WA | 11 | $ 2,405,000 | $ 218,636 | $ 23,000 |
| Jackson, MI | 10 | $ 1,860,000 | $ 186,000 | $ 0 |
| Portland-South Portland, ME | 10 | $ 2,030,000 | $ 203,000 | $ 0 |
| Spartanburg, SC | 10 | $ 1,920,000 | $ 192,000 | $ 3,000 |
| Urban Honolulu, HI | 10 | $ 1,840,000 | $ 184,000 | $ 66,000 |
| Yuma, AZ | 10 | $ 1,900,000 | $ 190,000 | $ 3,000 |
| Abilene, TX | 9 | $ 2,005,000 | $ 222,777 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 9 | $ 2,385,000 | $ 265,000 | $ 4,666 |
| Dayton-Springfield-Kettering, OH | 9 | $ 2,905,000 | $ 322,777 | $ 0 |
| Durham-Chapel Hill, NC | 9 | $ 2,215,000 | $ 246,111 | $ 16,000 |
| Greeley, CO | 9 | $ 2,525,000 | $ 280,555 | $ 34,000 |
| Homosassa Springs, FL | 9 | $ 2,015,000 | $ 223,888 | $ 17,000 |
| Lansing-East Lansing, MI | 9 | $ 1,345,000 | $ 149,444 | $ 0 |
| McAllen-Edinburg-Mission, TX | 9 | $ 1,895,000 | $ 210,555 | $ 12,000 |
| Merced, CA | 9 | $ 1,295,000 | $ 143,888 | $ 10,000 |
| Port St. Lucie, FL | 9 | $ 2,045,000 | $ 227,222 | $ 4,000 |
| Toledo, OH | 9 | $ 2,425,000 | $ 269,444 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 9 | $ 1,905,000 | $ 211,666 | $ 15,000 |
| Wilmington, NC | 9 | $ 2,315,000 | $ 257,222 | $ 4,000 |
| Youngstown-Warren-Boardman, OH-PA | 9 | $ 2,165,000 | $ 240,555 | $ 6,222 |
| Daphne-Fairhope-Foley, AL | 8 | $ 1,880,000 | $ 235,000 | $ 38,000 |
| Dover, DE | 8 | $ 1,890,000 | $ 236,250 | $ 12,000 |
| Elgin, IL | 8 | $ 2,090,000 | $ 261,250 | $ 12,000 |
| Fort Smith, AR-OK | 8 | $ 2,540,000 | $ 317,500 | $ 11,250 |
| Lake County-Kenosha County, IL-WI | 8 | $ 1,910,000 | $ 238,750 | $ 1,750 |
| Modesto, CA | 8 | $ 1,740,000 | $ 217,500 | $ 6,000 |
| Morristown, TN | 8 | $ 2,170,000 | $ 271,250 | $ 0 |
| Salisbury, MD-DE | 8 | $ 1,910,000 | $ 238,750 | $ 8,000 |
| Spokane-Spokane Valley, WA | 8 | $ 1,620,000 | $ 202,500 | $ 16,000 |
| St. George, UT | 8 | $ 1,660,000 | $ 207,500 | $ 8,000 |
| Waco, TX | 8 | $ 1,320,000 | $ 165,000 | $ 10,000 |
| Burlington, NC | 7 | $ 2,085,000 | $ 297,857 | $ 15,000 |
| Canton-Massillon, OH | 7 | $ 1,465,000 | $ 209,285 | $ 0 |
| Dothan, AL | 7 | $ 1,355,000 | $ 193,571 | $ 0 |
| Elizabethtown-Fort Knox, KY | 7 | $ 1,065,000 | $ 152,142 | $ 28,000 |
| Flint, MI | 7 | $ 1,245,000 | $ 177,857 | $ 0 |
| Fort Collins, CO | 7 | $ 1,455,000 | $ 207,857 | $ 8,000 |
| Gainesville, FL | 7 | $ 1,995,000 | $ 285,000 | $ 2,000 |
| Lubbock, TX | 7 | $ 1,755,000 | $ 250,714 | $ 16,000 |
| Medford, OR | 7 | $ 2,475,000 | $ 353,571 | $ 0 |
| Montgomery, AL | 7 | $ 1,425,000 | $ 203,571 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 7 | $ 975,000 | $ 139,285 | $ 7,000 |
| Providence-Warwick, RI-MA | 7 | $ 1,505,000 | $ 215,000 | $ 20,000 |
| Pueblo, CO | 7 | $ 1,695,000 | $ 242,142 | $ 19,000 |
| Redding, CA | 7 | $ 1,725,000 | $ 246,428 | $ 0 |
| Wichita, KS | 7 | $ 1,305,000 | $ 186,428 | $ 12,000 |
| Wilmington, DE-MD-NJ | 7 | $ 1,825,000 | $ 260,714 | $ 0 |
| York-Hanover, PA | 7 | $ 1,415,000 | $ 202,142 | $ 25,000 |
| Akron, OH | 6 | $ 1,430,000 | $ 238,333 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 6 | $ 1,300,000 | $ 216,666 | $ 18,000 |
| Bend-Redmond, OR | 6 | $ 1,650,000 | $ 275,000 | $ 8,000 |
| Brownsville-Harlingen, TX | 6 | $ 1,080,000 | $ 180,000 | $ 0 |
| Brunswick, GA | 6 | $ 1,170,000 | $ 195,000 | $ 0 |
| Evansville, IN-KY | 6 | $ 1,200,000 | $ 200,000 | $ 0 |
| Fairbanks, AK | 6 | $ 960,000 | $ 160,000 | $ 17,000 |
| Florence-Muscle Shoals, AL | 6 | $ 1,610,000 | $ 268,333 | $ 14,000 |
| Goldsboro, NC | 6 | $ 1,240,000 | $ 206,666 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 6 | $ 1,350,000 | $ 225,000 | $ 13,000 |
| Lafayette, LA | 6 | $ 1,430,000 | $ 238,333 | $ 5,000 |
| Lexington-Fayette, KY | 6 | $ 1,110,000 | $ 185,000 | $ 0 |
| Longview, TX | 6 | $ 700,000 | $ 116,666 | $ 15,000 |
| Oshkosh-Neenah, WI | 6 | $ 1,310,000 | $ 218,333 | $ 10,000 |
| Punta Gorda, FL | 6 | $ 1,580,000 | $ 263,333 | $ 0 |
| Roanoke, VA | 6 | $ 1,400,000 | $ 233,333 | $ 9,000 |
| Springfield, IL | 6 | $ 1,410,000 | $ 235,000 | $ 21,000 |
| Visalia-Porterville, CA | 6 | $ 920,000 | $ 153,333 | $ 5,000 |
| Yuba City, CA | 6 | $ 1,160,000 | $ 193,333 | $ 15,000 |
| Alexandria, LA | 5 | $ 685,000 | $ 137,000 | $ 0 |
| Amarillo, TX | 5 | $ 715,000 | $ 143,000 | $ 0 |
| Bismarck, ND | 5 | $ 1,335,000 | $ 267,000 | $ 0 |
| Bowling Green, KY | 5 | $ 885,000 | $ 177,000 | $ 0 |
| Bremerton-Silverdale, WA | 5 | $ 1,255,000 | $ 251,000 | $ 176,000 |
| East Stroudsburg, PA | 5 | $ 1,165,000 | $ 233,000 | $ 19,000 |
| Fargo, ND-MN | 5 | $ 1,645,000 | $ 329,000 | $ 0 |
| Grants Pass, OR | 5 | $ 795,000 | $ 159,000 | $ 0 |
| Janesville-Beloit, WI | 5 | $ 945,000 | $ 189,000 | $ 18,000 |
| Kingsport-Bristol-Bristol, TN-VA | 5 | $ 855,000 | $ 171,000 | $ 15,600 |
| Lake Charles, LA | 5 | $ 1,085,000 | $ 217,000 | $ 0 |
| Lewiston-Auburn, ME | 5 | $ 1,215,000 | $ 243,000 | $ 0 |
| Lincoln, NE | 5 | $ 995,000 | $ 199,000 | $ 0 |
| Muskegon, MI | 5 | $ 725,000 | $ 145,000 | $ 13,000 |
| Sierra Vista-Douglas, AZ | 5 | $ 1,095,000 | $ 219,000 | $ 0 |
| Sumter, SC | 5 | $ 925,000 | $ 185,000 | $ 0 |
| Tuscaloosa, AL | 5 | $ 1,225,000 | $ 245,000 | $ 10,000 |
| Vallejo-Fairfield, CA | 5 | $ 1,055,000 | $ 211,000 | $ 12,000 |
| Victoria, TX | 5 | $ 1,505,000 | $ 301,000 | $ 0 |
| Washington-Baltimore-Arlington, DC | 5 | $ 1,055,000 | $ 211,000 | $ 27,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 910,000 | $ 227,500 | $ 0 |
| Ames, IA | 4 | $ 990,000 | $ 247,500 | $ 8,000 |
| Billings, MT | 4 | $ 960,000 | $ 240,000 | $ 21,000 |
| Chattanooga, TN-GA | 4 | $ 1,130,000 | $ 282,500 | $ 0 |
| Cleveland, TN | 4 | $ 890,000 | $ 222,500 | $ 0 |
| Eau Claire, WI | 4 | $ 1,200,000 | $ 300,000 | $ 0 |
| El Centro, CA | 4 | $ 1,060,000 | $ 265,000 | $ 0 |
| Flagstaff, AZ | 4 | $ 990,000 | $ 247,500 | $ 41,000 |
| Florence, SC | 4 | $ 860,000 | $ 215,000 | $ 14,000 |
| Fort Wayne, IN | 4 | $ 1,020,000 | $ 255,000 | $ 0 |
| Hammond, LA | 4 | $ 1,210,000 | $ 302,500 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 470,000 | $ 117,500 | $ 0 |
| Johnson City, TN | 4 | $ 1,050,000 | $ 262,500 | $ 29,000 |
| Joplin, MO | 4 | $ 800,000 | $ 200,000 | $ 0 |
| Lafayette-West Lafayette, IN | 4 | $ 1,050,000 | $ 262,500 | $ 0 |
| Lancaster, PA | 4 | $ 1,080,000 | $ 270,000 | $ 13,000 |
| Las Cruces, NM | 4 | $ 820,000 | $ 205,000 | $ 18,000 |
| Logan, UT-ID | 4 | $ 850,000 | $ 212,500 | $ 33,000 |
| Lynchburg, VA | 4 | $ 1,070,000 | $ 267,500 | $ 0 |
| New Bern, NC | 4 | $ 680,000 | $ 170,000 | $ 0 |
| Olympia-Tumwater, WA | 4 | $ 1,310,000 | $ 327,500 | $ 21,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 1,030,000 | $ 257,500 | $ 0 |
| Peoria, IL | 4 | $ 650,000 | $ 162,500 | $ 25,000 |
| Rockford, IL | 4 | $ 990,000 | $ 247,500 | $ 0 |
| Rockingham County-Strafford County, NH | 4 | $ 780,000 | $ 195,000 | $ 72,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 4 | $ 1,220,000 | $ 305,000 | $ 20,000 |
| Sebastian-Vero Beach, FL | 4 | $ 1,010,000 | $ 252,500 | $ 0 |
| Sioux City, IA-NE-SD | 4 | $ 660,000 | $ 165,000 | $ 13,250 |
| Stockton-Lodi, CA | 4 | $ 880,000 | $ 220,000 | $ 26,000 |
| Terre Haute, IN | 4 | $ 910,000 | $ 227,500 | $ 12,000 |
| Valdosta, GA | 4 | $ 850,000 | $ 212,500 | $ 0 |
| Yakima, WA | 4 | $ 1,010,000 | $ 252,500 | $ 20,000 |
| Albany, OR | 3 | $ 545,000 | $ 181,666 | $ 0 |
| Atlantic City-Hammonton, NJ | 3 | $ 565,000 | $ 188,333 | $ 0 |
| Beaumont-Port Arthur, TX | 3 | $ 695,000 | $ 231,666 | $ 0 |
| Bellingham, WA | 3 | $ 645,000 | $ 215,000 | $ 24,000 |
| California-Lexington Park, MD | 3 | $ 695,000 | $ 231,666 | $ 0 |
| Cape Girardeau, MO-IL | 3 | $ 835,000 | $ 278,333 | $ 0 |
| Casper, WY | 3 | $ 815,000 | $ 271,666 | $ 0 |
| Cedar Rapids, IA | 3 | $ 675,000 | $ 225,000 | $ 0 |
| Champaign-Urbana, IL | 3 | $ 1,105,000 | $ 368,333 | $ 33,000 |
| Chico, CA | 3 | $ 515,000 | $ 171,666 | $ 17,000 |
| Dalton, GA | 3 | $ 375,000 | $ 125,000 | $ 7,000 |
| Great Falls, MT | 3 | $ 555,000 | $ 185,000 | $ 0 |
| Green Bay, WI | 3 | $ 535,000 | $ 178,333 | $ 18,000 |
| Gulfport-Biloxi-Pascagoula, MS | 3 | $ 555,000 | $ 185,000 | $ 36,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 1,145,000 | $ 381,666 | $ 25,333 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 545,000 | $ 181,666 | $ 0 |
| Kalamazoo-Portage, MI | 3 | $ 495,000 | $ 165,000 | $ 0 |
| Kokomo, IN | 3 | $ 795,000 | $ 265,000 | $ 38,000 |
| Lima, OH | 3 | $ 845,000 | $ 281,666 | $ 18,000 |
| Manchester-Nashua, NH | 3 | $ 885,000 | $ 295,000 | $ 24,000 |
| Monroe, LA | 3 | $ 885,000 | $ 295,000 | $ 0 |
| Monroe, MI | 3 | $ 475,000 | $ 158,333 | $ 0 |
| Niles-Benton Harbor, MI | 3 | $ 575,000 | $ 191,666 | $ 0 |
| Norwich-New London, CT | 3 | $ 655,000 | $ 218,333 | $ 20,000 |
| Racine, WI | 3 | $ 625,000 | $ 208,333 | $ 0 |
| Rocky Mount, NC | 3 | $ 755,000 | $ 251,666 | $ 19,000 |
| Santa Fe, NM | 3 | $ 605,000 | $ 201,666 | $ 27,000 |
| Sherman-Denison, TX | 3 | $ 695,000 | $ 231,666 | $ 0 |
| St. Joseph, MO-KS | 3 | $ 455,000 | $ 151,666 | $ 0 |
| Waterloo-Cedar Falls, IA | 3 | $ 515,000 | $ 171,666 | $ 34,000 |
| Wenatchee, WA | 3 | $ 585,000 | $ 195,000 | $ 0 |
| Winchester, VA-WV | 3 | $ 635,000 | $ 211,666 | $ 0 |
| Anniston-Oxford-Jacksonville, AL | 2 | $ 440,000 | $ 220,000 | $ 0 |
| Appleton, WI | 2 | $ 440,000 | $ 220,000 | $ 108,000 |
| Athens-Clarke County, GA | 2 | $ 520,000 | $ 260,000 | $ 0 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Dubuque, IA | 2 | $ 350,000 | $ 175,000 | $ 32,000 |
| Duluth, MN-WI | 2 | $ 480,000 | $ 240,000 | $ 0 |
| Elkhart-Goshen, IN | 2 | $ 830,000 | $ 415,000 | $ 0 |
| Grand Island, NE | 2 | $ 770,000 | $ 385,000 | $ 0 |
| Grand Junction, CO | 2 | $ 520,000 | $ 260,000 | $ 0 |
| Greenville, NC | 2 | $ 400,000 | $ 200,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 430,000 | $ 215,000 | $ 0 |
| Hattiesburg, MS | 2 | $ 220,000 | $ 110,000 | $ 45,000 |
| Hot Springs, AR | 2 | $ 660,000 | $ 330,000 | $ 0 |
| Houma-Thibodaux, LA | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Jackson, MS | 2 | $ 290,000 | $ 145,000 | $ 35,000 |
| Kennewick-Richland, WA | 2 | $ 460,000 | $ 230,000 | $ 0 |
| Macon-Bibb County, GA | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Madera, CA | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Madison, WI | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Manhattan, KS | 2 | $ 430,000 | $ 215,000 | $ 0 |
| Mansfield, OH | 2 | $ 520,000 | $ 260,000 | $ 0 |
| Michigan City-La Porte, IN | 2 | $ 520,000 | $ 260,000 | $ 0 |
| Midland, MI | 2 | $ 510,000 | $ 255,000 | $ 0 |
| Panama City, FL | 2 | $ 500,000 | $ 250,000 | $ 0 |
| Parkersburg-Vienna, WV | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Pocatello, ID | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Reading, PA | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Rome, GA | 2 | $ 350,000 | $ 175,000 | $ 0 |
| Saginaw, MI | 2 | $ 520,000 | $ 260,000 | $ 0 |
| Sebring, FL | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Sioux Falls, SD | 2 | $ 360,000 | $ 180,000 | $ 81,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 430,000 | $ 215,000 | $ 0 |
| Springfield, OH | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Tallahassee, FL | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Texarkana, TX-AR | 2 | $ 400,000 | $ 200,000 | $ 40,000 |
| Topeka, KS | 2 | $ 450,000 | $ 225,000 | $ 44,000 |
| Trenton, NJ | 2 | $ 400,000 | $ 200,000 | $ 0 |
| Tyler, TX | 2 | $ 420,000 | $ 210,000 | $ 0 |
| Vineland-Bridgeton, NJ | 2 | $ 430,000 | $ 215,000 | $ 0 |
| Wausau, WI | 2 | $ 470,000 | $ 235,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 2 | $ 560,000 | $ 280,000 | $ 0 |
| Wichita Falls, TX | 2 | $ 480,000 | $ 240,000 | $ 0 |
| Altoona, PA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Auburn-Opelika, AL | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Bangor, ME | 1 | $ 245,000 | $ 245,000 | $ 104,000 |
| Bay City, MI | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Beckley, WV | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Bloomington, IL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Bloomington, IN | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Bloomsburg-Berwick, PA | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Boulder, CO | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Burlington-South Burlington, VT | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Carson City, NV | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Charleston, WV | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Charlottesville, VA | 1 | $ 295,000 | $ 295,000 | $ 0 |
| College Station-Bryan, TX | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Columbia, MO | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Corvallis, OR | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Danville, IL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Decatur, IL | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Enid, OK | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Farmington, NM | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Fond Du Lac, WI | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Gettysburg, PA | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Grand Forks, ND-MN | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Hanford-Corcoran, CA | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Idaho Falls, ID | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Iowa City, IA | 1 | $ 275,000 | $ 275,000 | $ 173,000 |
| Jackson, TN | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Johnstown, PA | 1 | $ 235,000 | $ 235,000 | $ 89,000 |
| Jonesboro, AR | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Kankakee, IL | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Laredo, TX | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Lawrence, KS | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Lebanon, PA | 1 | $ 275,000 | $ 275,000 | $ 55,000 |
| Lewiston, ID-WA | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Longview, WA | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Missoula, MT | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Muncie, IN | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 195,000 | $ 195,000 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Ocean City, NJ | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Pine Bluff, AR | 1 | $ 165,000 | $ 165,000 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 325,000 | $ 325,000 | $ 0 |
| St. Cloud, MN | 1 | $ 285,000 | $ 285,000 | $ 0 |
| State College, PA | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Staunton-Waynesboro, VA | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Twin Falls, ID | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Walla Walla, WA | 1 | $ 225,000 | $ 225,000 | $ 0 |
Mortgage Loan Application Detail Totals for Low VA Rates, LLC in 2019
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 | 4,543 | $1,034,745,000 | $227,000 | $1,005,000 | $3,000 | $800,000 |
| Cash-out Refinancing | 399 | $92,035,000 | $230,000 | $695,000 | $82,000 | $444,000 |
| Home Purchase | 173 | $38,385,000 | $221,000 | $725,000 | $88,000 | $373,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 2,730 | $629,980,000 | $230,000 | $1,005,000 | $13,000 | $800,000 |
| Black or African American | 1,050 | $238,570,000 | $227,000 | $795,000 | $9,000 | $382,000 |
| Not Provided | 717 | $160,515,000 | $223,000 | $785,000 | $9,000 | $338,000 |
| Hispanic | 473 | $104,105,000 | $220,000 | $765,000 | $13,000 | $444,000 |
| American Indian or Alaskan Native | 64 | $14,340,000 | $224,000 | $395,000 | $5,000 | $88,000 |
| Asian | 54 | $12,310,000 | $227,000 | $755,000 | $18,000 | $164,000 |
| Native Hawaiian or Other Pacific Islander | 26 | $5,240,000 | $201,000 | $545,000 | $12,000 | $98,000 |
| 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) | 4,922 | $1,122,330,000 | $228,000 | $1,005,000 | $9,000 | $444,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 110 | $24,260,000 | $220,000 | $555,000 | $103,000 | $800,000 |
| FHA-insured (Federal Housing Administration) | 81 | $18,215,000 | $224,000 | $495,000 | $30,000 | $183,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $360,000 | $180,000 | $205,000 | $56,000 | $75,000 |
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 | 4,063 | $934,995,000 | $230,000 | $1,005,000 | $9,000 | $375,000 |
| File Closed For Incompleteness | 534 | $110,870,000 | $207,000 | $755,000 | $18,000 | $800,000 |
| Application Withdrawn By Applicant | 325 | $73,765,000 | $226,000 | $755,000 | $17,000 | $188,000 |
| Application Denied By Financial Institution | 185 | $43,395,000 | $234,000 | $675,000 | $32,000 | $242,000 |
| Application Approved But Not Accepted | 8 | $2,140,000 | $267,000 | $415,000 | $16,000 | $117,000 |
| 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 | 4,930 | $1,121,770,000 | $227,000 | $1,005,000 | $11,000 | $800,000 |
| Credit History | 90 | $22,200,000 | $246,000 | $675,000 | $29,000 | $160,000 |
| Other | 42 | $9,260,000 | $220,000 | $435,000 | $16,000 | $183,000 |
| Collateral | 21 | $4,535,000 | $215,000 | $515,000 | $56,000 | $242,000 |
| Debt-To-Income Ratio | 15 | $3,605,000 | $240,000 | $425,000 | $61,000 | $127,000 |
| Credit Application Incomplete | 5 | $935,000 | $187,000 | $305,000 | $14,000 | $71,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,195,000 | $239,000 | $605,000 | $19,000 | $50,000 |
| Unverifiable Information | 4 | $920,000 | $230,000 | $275,000 | $77,000 | $164,000 |
| Employment History | 3 | $745,000 | $248,000 | $285,000 | $36,000 | $79,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Low VA Rates, LLC's 2019 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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