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Act (HMDA) records Low VA Rates, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,425 | $ 279,275,000 | $ 195,982 | $ 6,180 |
| Las Vegas-Henderson-Paradise, NV | 485 | $ 142,315,000 | $ 293,432 | $ 54,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 328 | $ 144,130,000 | $ 439,420 | $ 7,847 |
| Atlanta-Sandy Springs-Roswell, GA | 306 | $ 73,360,000 | $ 239,738 | $ 5,000 |
| Phoenix-Mesa-Scottsdale, AZ | 277 | $ 70,205,000 | $ 253,447 | $ 6,000 |
| San Antonio-New Braunfels, TX | 261 | $ 63,885,000 | $ 244,770 | $ 5,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 249 | $ 61,425,000 | $ 246,686 | $ 2,963 |
| Houston-The Woodlands-Sugar Land, TX | 236 | $ 56,820,000 | $ 240,762 | $ 6,000 |
| Riverside-San Bernardino-Ontario, CA | 210 | $ 63,780,000 | $ 303,714 | $ 11,000 |
| Tampa-St. Petersburg-Clearwater, FL | 200 | $ 46,710,000 | $ 233,550 | $ 7,000 |
| Dallas-Plano-Irving, TX | 187 | $ 51,825,000 | $ 277,139 | $ 4,000 |
| Salt Lake City, UT | 179 | $ 51,935,000 | $ 290,139 | $ 54,000 |
| Provo-Orem, UT | 173 | $ 54,545,000 | $ 315,289 | $ 95,000 |
| Fort Worth-Arlington, TX | 159 | $ 37,055,000 | $ 233,050 | $ 7,000 |
| Oklahoma City, OK | 153 | $ 31,875,000 | $ 208,333 | $ 3,000 |
| Charlotte-Concord-Gastonia, NC-SC | 148 | $ 33,720,000 | $ 227,837 | $ 4,986 |
| Killeen-Temple, TX | 133 | $ 23,685,000 | $ 178,082 | $ 1,000 |
| St. Louis, MO-IL | 124 | $ 26,860,000 | $ 216,612 | $ 6,903 |
| Fayetteville, NC | 123 | $ 23,535,000 | $ 191,341 | $ 2,000 |
| Kansas City, MO-KS | 114 | $ 23,680,000 | $ 207,719 | $ 5,087 |
| Orlando-Kissimmee-Sanford, FL | 110 | $ 29,190,000 | $ 265,363 | $ 4,000 |
| Ogden-Clearfield, UT | 109 | $ 31,585,000 | $ 289,770 | $ 22,000 |
| Jacksonville, FL | 108 | $ 26,540,000 | $ 245,740 | $ 2,000 |
| San Diego-Carlsbad, CA | 104 | $ 45,890,000 | $ 441,250 | $ 13,000 |
| Indianapolis-Carmel-Anderson, IN | 98 | $ 19,090,000 | $ 194,795 | $ 1,000 |
| Chicago-Naperville, IL | 94 | $ 21,210,000 | $ 225,638 | $ 9,000 |
| Tucson, AZ | 94 | $ 19,630,000 | $ 208,829 | $ 6,000 |
| Denver-Aurora-Lakewood, CO | 90 | $ 30,310,000 | $ 336,777 | $ 8,000 |
| Columbia, SC | 88 | $ 17,830,000 | $ 202,613 | $ 5,000 |
| Baltimore-Columbia-Towson, MD | 85 | $ 28,445,000 | $ 334,647 | $ 4,000 |
| Colorado Springs, CO | 85 | $ 25,105,000 | $ 295,352 | $ 6,000 |
| Austin-Round Rock, TX | 81 | $ 21,475,000 | $ 265,123 | $ 18,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 80 | $ 26,070,000 | $ 325,875 | $ 7,762 |
| Columbus, OH | 79 | $ 15,865,000 | $ 200,822 | $ 3,000 |
| Los Angeles-Long Beach-Glendale, CA | 78 | $ 45,470,000 | $ 582,948 | $ 9,000 |
| Cincinnati, OH-KY-IN | 77 | $ 14,425,000 | $ 187,337 | $ 662 |
| El Paso, TX | 77 | $ 13,915,000 | $ 180,714 | $ 3,000 |
| Richmond, VA | 74 | $ 19,180,000 | $ 259,189 | $ 3,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 71 | $ 17,465,000 | $ 245,985 | $ 25,000 |
| Tulsa, OK | 71 | $ 14,815,000 | $ 208,661 | $ 3,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 70 | $ 24,740,000 | $ 353,428 | $ 19,000 |
| Charleston-North Charleston, SC | 67 | $ 17,815,000 | $ 265,895 | $ 4,000 |
| Little Rock-North Little Rock-Conway, AR | 67 | $ 12,915,000 | $ 192,761 | $ 6,000 |
| Albuquerque, NM | 65 | $ 15,715,000 | $ 241,769 | $ 0 |
| Augusta-Richmond County, GA-SC | 65 | $ 13,295,000 | $ 204,538 | $ 1,600 |
| Louisville/Jefferson County, KY-IN | 61 | $ 11,885,000 | $ 194,836 | $ 819 |
| Raleigh, NC | 61 | $ 16,545,000 | $ 271,229 | $ 7,000 |
| Lakeland-Winter Haven, FL | 60 | $ 11,800,000 | $ 196,666 | $ 11,000 |
| Anchorage, AK | 59 | $ 19,085,000 | $ 323,474 | $ 5,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 59 | $ 18,375,000 | $ 311,440 | $ 12,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 59 | $ 15,005,000 | $ 254,322 | $ 4,406 |
| Urban Honolulu, HI | 57 | $ 27,805,000 | $ 487,807 | $ 17,000 |
| Memphis, TN-MS-AR | 56 | $ 12,300,000 | $ 219,642 | $ 4,714 |
| Omaha-Council Bluffs, NE-IA | 54 | $ 10,850,000 | $ 200,925 | $ 4,166 |
| Boise City, ID | 53 | $ 14,735,000 | $ 278,018 | $ 0 |
| Clarksville, TN-KY | 52 | $ 9,770,000 | $ 187,884 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 52 | $ 10,480,000 | $ 201,538 | $ 5,000 |
| Jacksonville, NC | 50 | $ 9,030,000 | $ 180,600 | $ 1,000 |
| Lake Havasu City-Kingman, AZ | 49 | $ 8,865,000 | $ 180,918 | $ 4,000 |
| Reno, NV | 49 | $ 14,615,000 | $ 298,265 | $ 14,000 |
| Warren-Troy-Farmington Hills, MI | 47 | $ 10,175,000 | $ 216,489 | $ 2,000 |
| Palm Bay-Melbourne-Titusville, FL | 46 | $ 9,340,000 | $ 203,043 | $ 7,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 45 | $ 9,245,000 | $ 205,444 | $ 8,066 |
| Oakland-Hayward-Berkeley, CA | 45 | $ 23,105,000 | $ 513,444 | $ 3,000 |
| Birmingham-Hoover, AL | 42 | $ 8,170,000 | $ 194,523 | $ 3,000 |
| Crestview-Fort Walton Beach-Destin, FL | 41 | $ 8,745,000 | $ 213,292 | $ 10,000 |
| Pensacola-Ferry Pass-Brent, FL | 40 | $ 10,190,000 | $ 254,750 | $ 2,000 |
| Cleveland-Elyria, OH | 39 | $ 6,425,000 | $ 164,743 | $ 2,000 |
| Wichita, KS | 39 | $ 7,705,000 | $ 197,564 | $ 0 |
| Bakersfield, CA | 38 | $ 7,730,000 | $ 203,421 | $ 4,000 |
| Cape Coral-Fort Myers, FL | 38 | $ 8,980,000 | $ 236,315 | $ 7,000 |
| Fresno, CA | 38 | $ 10,160,000 | $ 267,368 | $ 0 |
| New York-Newark, NY | 38 | $ 10,600,000 | $ 278,947 | $ 3,000 |
| Eugene, OR | 37 | $ 10,315,000 | $ 278,783 | $ 1,000 |
| Pittsburgh, PA | 37 | $ 7,185,000 | $ 194,189 | $ 4,000 |
| Savannah, GA | 37 | $ 7,715,000 | $ 208,513 | $ 4,000 |
| Huntsville, AL | 36 | $ 8,360,000 | $ 232,222 | $ 5,000 |
| Prescott Valley-Prescott, AZ | 36 | $ 7,960,000 | $ 221,111 | $ 7,000 |
| Camden, NJ | 35 | $ 7,025,000 | $ 200,714 | $ 0 |
| Knoxville, TN | 35 | $ 7,365,000 | $ 210,428 | $ 8,000 |
| Ocala, FL | 35 | $ 6,485,000 | $ 185,285 | $ 1,000 |
| Philadelphia, PA | 34 | $ 7,020,000 | $ 206,470 | $ 5,000 |
| Warner Robins, GA | 34 | $ 6,750,000 | $ 198,529 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 34 | $ 11,980,000 | $ 352,352 | $ 26,000 |
| Port St. Lucie, FL | 33 | $ 7,765,000 | $ 235,303 | $ 12,000 |
| Des Moines-West Des Moines, IA | 32 | $ 6,390,000 | $ 199,687 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 32 | $ 6,240,000 | $ 195,000 | $ 6,000 |
| Greensboro-High Point, NC | 31 | $ 5,995,000 | $ 193,387 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 31 | $ 6,565,000 | $ 211,774 | $ 0 |
| New Orleans-Metairie, LA | 31 | $ 7,605,000 | $ 245,322 | $ 15,000 |
| Coeur D'Alene, ID | 30 | $ 8,260,000 | $ 275,333 | $ 16,000 |
| Dayton-Springfield-Kettering, OH | 30 | $ 5,880,000 | $ 196,000 | $ 11,000 |
| Montgomery County-Bucks County-Chester County, PA | 30 | $ 8,330,000 | $ 277,666 | $ 15,000 |
| Shreveport-Bossier City, LA | 30 | $ 6,200,000 | $ 206,666 | $ 0 |
| St. George, UT | 30 | $ 7,880,000 | $ 262,666 | $ 18,000 |
| Corpus Christi, TX | 29 | $ 6,555,000 | $ 226,034 | $ 0 |
| Dover, DE | 29 | $ 6,785,000 | $ 233,965 | $ 4,000 |
| Tacoma-Lakewood, WA | 29 | $ 8,325,000 | $ 287,068 | $ 13,000 |
| Anaheim-Santa Ana-Irvine, CA | 28 | $ 14,660,000 | $ 523,571 | $ 18,000 |
| Milwaukee-Waukesha-West Allis, WI | 28 | $ 5,360,000 | $ 191,428 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 28 | $ 6,660,000 | $ 237,857 | $ 2,000 |
| Gary, IN | 27 | $ 4,825,000 | $ 178,703 | $ 0 |
| Springfield, MO | 27 | $ 5,075,000 | $ 187,962 | $ 4,000 |
| Columbus, GA-AL | 26 | $ 4,680,000 | $ 180,000 | $ 9,692 |
| Detroit-Dearborn-Livonia, MI | 26 | $ 5,250,000 | $ 201,923 | $ 13,000 |
| Wilmington, DE-MD-NJ | 26 | $ 6,730,000 | $ 258,846 | $ 6,923 |
| Miami-Miami Beach-Kendall, FL | 25 | $ 8,125,000 | $ 325,000 | $ 37,000 |
| Salem, OR | 25 | $ 7,695,000 | $ 307,800 | $ 3,000 |
| Stockton-Lodi, CA | 25 | $ 7,885,000 | $ 315,400 | $ 7,000 |
| Vallejo-Fairfield, CA | 25 | $ 9,225,000 | $ 369,000 | $ 20,000 |
| Seattle-Bellevue-Everett, WA | 24 | $ 9,760,000 | $ 406,666 | $ 24,000 |
| Winston-Salem, NC | 24 | $ 5,330,000 | $ 222,083 | $ 10,000 |
| Abilene, TX | 23 | $ 4,615,000 | $ 200,652 | $ 0 |
| Durham-Chapel Hill, NC | 23 | $ 5,725,000 | $ 248,913 | $ 0 |
| Harrisburg-Carlisle, PA | 23 | $ 4,975,000 | $ 216,304 | $ 0 |
| Montgomery, AL | 23 | $ 4,135,000 | $ 179,782 | $ 0 |
| Akron, OH | 22 | $ 4,330,000 | $ 196,818 | $ 5,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 22 | $ 4,870,000 | $ 221,363 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 22 | $ 4,010,000 | $ 182,272 | $ 0 |
| Baton Rouge, LA | 21 | $ 5,705,000 | $ 271,666 | $ 3,000 |
| Hinesville, GA | 21 | $ 3,795,000 | $ 180,714 | $ 3,000 |
| Mobile, AL | 21 | $ 3,195,000 | $ 152,142 | $ 0 |
| Portland-South Portland, ME | 21 | $ 6,125,000 | $ 291,666 | $ 3,000 |
| Washington-Baltimore-Arlington, DC | 21 | $ 8,415,000 | $ 400,714 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 20 | $ 4,510,000 | $ 225,500 | $ 0 |
| Rockingham County-Strafford County, NH | 20 | $ 6,190,000 | $ 309,500 | $ 9,000 |
| Salisbury, MD-DE | 20 | $ 5,780,000 | $ 289,000 | $ 11,900 |
| New Bern, NC | 19 | $ 2,875,000 | $ 151,315 | $ 14,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 19 | $ 10,085,000 | $ 530,789 | $ 0 |
| Providence-Warwick, RI-MA | 19 | $ 5,575,000 | $ 293,421 | $ 24,000 |
| Youngstown-Warren-Boardman, OH-PA | 19 | $ 3,335,000 | $ 175,526 | $ 0 |
| Cheyenne, WY | 18 | $ 5,030,000 | $ 279,444 | $ 4,000 |
| Greeley, CO | 18 | $ 5,400,000 | $ 300,000 | $ 4,000 |
| Las Cruces, NM | 18 | $ 3,770,000 | $ 209,444 | $ 7,000 |
| Lawton, OK | 18 | $ 3,770,000 | $ 209,444 | $ 0 |
| Madison, WI | 18 | $ 5,120,000 | $ 284,444 | $ 0 |
| Modesto, CA | 18 | $ 5,800,000 | $ 322,222 | $ 25,000 |
| Sierra Vista-Douglas, AZ | 18 | $ 3,200,000 | $ 177,777 | $ 1,000 |
| Texarkana, TX-AR | 18 | $ 3,130,000 | $ 173,888 | $ 0 |
| York-Hanover, PA | 18 | $ 3,710,000 | $ 206,111 | $ 0 |
| Brownsville-Harlingen, TX | 17 | $ 2,735,000 | $ 160,882 | $ 0 |
| Chattanooga, TN-GA | 17 | $ 3,265,000 | $ 192,058 | $ 0 |
| Grand Rapids-Wyoming, MI | 17 | $ 3,055,000 | $ 179,705 | $ 0 |
| McAllen-Edinburg-Mission, TX | 17 | $ 3,745,000 | $ 220,294 | $ 6,000 |
| Medford, OR | 17 | $ 4,795,000 | $ 282,058 | $ 0 |
| Toledo, OH | 17 | $ 2,795,000 | $ 164,411 | $ 0 |
| Wilmington, NC | 17 | $ 3,975,000 | $ 233,823 | $ 0 |
| Asheville, NC | 16 | $ 4,040,000 | $ 252,500 | $ 6,000 |
| Daphne-Fairhope-Foley, AL | 16 | $ 3,240,000 | $ 202,500 | $ 0 |
| Newark, NJ-PA | 16 | $ 7,070,000 | $ 441,875 | $ 18,750 |
| Punta Gorda, FL | 16 | $ 3,210,000 | $ 200,625 | $ 2,000 |
| Elizabethtown-Fort Knox, KY | 15 | $ 3,025,000 | $ 201,666 | $ 0 |
| Fairbanks, AK | 15 | $ 3,425,000 | $ 228,333 | $ 9,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 15 | $ 9,745,000 | $ 649,666 | $ 22,000 |
| Yuma, AZ | 15 | $ 3,115,000 | $ 207,666 | $ 0 |
| Albany, OR | 14 | $ 3,600,000 | $ 257,142 | $ 5,000 |
| Elgin, IL | 14 | $ 3,170,000 | $ 226,428 | $ 15,000 |
| Florence, SC | 14 | $ 2,190,000 | $ 156,428 | $ 4,000 |
| Fort Wayne, IN | 14 | $ 2,190,000 | $ 156,428 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 14 | $ 3,050,000 | $ 217,857 | $ 0 |
| Morristown, TN | 14 | $ 2,520,000 | $ 180,000 | $ 7,000 |
| Roanoke, VA | 14 | $ 2,390,000 | $ 170,714 | $ 0 |
| Spartanburg, SC | 14 | $ 2,750,000 | $ 196,428 | $ 0 |
| Sumter, SC | 14 | $ 2,220,000 | $ 158,571 | $ 0 |
| Amarillo, TX | 13 | $ 2,745,000 | $ 211,153 | $ 9,000 |
| Homosassa Springs, FL | 13 | $ 1,905,000 | $ 146,538 | $ 0 |
| Manchester-Nashua, NH | 13 | $ 3,525,000 | $ 271,153 | $ 124,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 13 | $ 2,845,000 | $ 218,846 | $ 0 |
| Spokane-Spokane Valley, WA | 13 | $ 3,545,000 | $ 272,692 | $ 17,000 |
| Visalia-Porterville, CA | 13 | $ 2,795,000 | $ 215,000 | $ 2,000 |
| Waco, TX | 13 | $ 2,885,000 | $ 221,923 | $ 0 |
| Dothan, AL | 12 | $ 2,040,000 | $ 170,000 | $ 5,000 |
| Great Falls, MT | 12 | $ 2,230,000 | $ 185,833 | $ 7,000 |
| Hanford-Corcoran, CA | 12 | $ 3,020,000 | $ 251,666 | $ 7,000 |
| Hartford-West Hartford-East Hartford, CT | 12 | $ 2,640,000 | $ 220,000 | $ 0 |
| Topeka, KS | 12 | $ 2,140,000 | $ 178,333 | $ 5,000 |
| Valdosta, GA | 12 | $ 2,040,000 | $ 170,000 | $ 0 |
| Atlantic City-Hammonton, NJ | 11 | $ 2,205,000 | $ 200,454 | $ 6,000 |
| Hickory-Lenoir-Morganton, NC | 11 | $ 2,045,000 | $ 185,909 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 11 | $ 3,245,000 | $ 295,000 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 11 | $ 2,555,000 | $ 232,272 | $ 0 |
| Lubbock, TX | 11 | $ 2,465,000 | $ 224,090 | $ 0 |
| Lynchburg, VA | 11 | $ 1,865,000 | $ 169,545 | $ 4,000 |
| Olympia-Tumwater, WA | 11 | $ 3,455,000 | $ 314,090 | $ 35,000 |
| Reading, PA | 11 | $ 2,325,000 | $ 211,363 | $ 0 |
| Twin Falls, ID | 11 | $ 2,235,000 | $ 203,181 | $ 26,000 |
| Tyler, TX | 11 | $ 2,495,000 | $ 226,818 | $ 5,000 |
| Bend-Redmond, OR | 10 | $ 3,020,000 | $ 302,000 | $ 9,000 |
| Billings, MT | 10 | $ 2,570,000 | $ 257,000 | $ 0 |
| Evansville, IN-KY | 10 | $ 1,520,000 | $ 152,000 | $ 0 |
| Flint, MI | 10 | $ 1,450,000 | $ 145,000 | $ 0 |
| Lafayette, LA | 10 | $ 1,500,000 | $ 150,000 | $ 10,000 |
| Logan, UT-ID | 10 | $ 2,420,000 | $ 242,000 | $ 39,000 |
| Manhattan, KS | 10 | $ 2,220,000 | $ 222,000 | $ 0 |
| Redding, CA | 10 | $ 3,150,000 | $ 315,000 | $ 8,000 |
| Tallahassee, FL | 10 | $ 1,810,000 | $ 181,000 | $ 0 |
| The Villages, FL | 10 | $ 2,250,000 | $ 225,000 | $ 14,000 |
| Tuscaloosa, AL | 10 | $ 1,940,000 | $ 194,000 | $ 0 |
| Yuba City, CA | 10 | $ 2,620,000 | $ 262,000 | $ 0 |
| Beaumont-Port Arthur, TX | 9 | $ 1,695,000 | $ 188,333 | $ 0 |
| Bowling Green, KY | 9 | $ 1,845,000 | $ 205,000 | $ 0 |
| Bremerton-Silverdale, WA | 9 | $ 2,625,000 | $ 291,666 | $ 171,000 |
| Canton-Massillon, OH | 9 | $ 1,225,000 | $ 136,111 | $ 0 |
| Casper, WY | 9 | $ 2,545,000 | $ 282,777 | $ 0 |
| Chambersburg-Waynesboro, PA | 9 | $ 2,165,000 | $ 240,555 | $ 4,000 |
| Gainesville, FL | 9 | $ 1,835,000 | $ 203,888 | $ 0 |
| Kahului-Wailuku-Lahaina, HI | 9 | $ 3,745,000 | $ 416,111 | $ 45,000 |
| Lake County-Kenosha County, IL-WI | 9 | $ 1,525,000 | $ 169,444 | $ 23,666 |
| Lexington-Fayette, KY | 9 | $ 1,975,000 | $ 219,444 | $ 0 |
| Lincoln, NE | 9 | $ 1,825,000 | $ 202,777 | $ 0 |
| Madera, CA | 9 | $ 2,295,000 | $ 255,000 | $ 7,000 |
| Sherman-Denison, TX | 9 | $ 2,615,000 | $ 290,555 | $ 24,000 |
| Battle Creek, MI | 8 | $ 1,280,000 | $ 160,000 | $ 0 |
| California-Lexington Park, MD | 8 | $ 2,210,000 | $ 276,250 | $ 0 |
| Carbondale-Marion, IL | 8 | $ 1,220,000 | $ 152,500 | $ 27,000 |
| Grants Pass, OR | 8 | $ 1,550,000 | $ 193,750 | $ 0 |
| Idaho Falls, ID | 8 | $ 1,750,000 | $ 218,750 | $ 0 |
| Johnson City, TN | 8 | $ 1,510,000 | $ 188,750 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 8 | $ 1,390,000 | $ 173,750 | $ 0 |
| Lancaster, PA | 8 | $ 1,290,000 | $ 161,250 | $ 0 |
| Lansing-East Lansing, MI | 8 | $ 1,310,000 | $ 163,750 | $ 0 |
| Longview, TX | 8 | $ 1,580,000 | $ 197,500 | $ 0 |
| Macon-Bibb County, GA | 8 | $ 1,440,000 | $ 180,000 | $ 8,000 |
| New Haven-Milford, CT | 8 | $ 1,700,000 | $ 212,500 | $ 0 |
| Panama City, FL | 8 | $ 1,970,000 | $ 246,250 | $ 17,000 |
| Santa Maria-Santa Barbara, CA | 8 | $ 3,040,000 | $ 380,000 | $ 6,000 |
| South Bend-Mishawaka, IN-MI | 8 | $ 1,120,000 | $ 140,000 | $ 0 |
| Anniston-Oxford-Jacksonville, AL | 7 | $ 1,085,000 | $ 155,000 | $ 0 |
| Appleton, WI | 7 | $ 1,345,000 | $ 192,142 | $ 0 |
| Bismarck, ND | 7 | $ 1,595,000 | $ 227,857 | $ 0 |
| Brunswick, GA | 7 | $ 1,325,000 | $ 189,285 | $ 0 |
| Carson City, NV | 7 | $ 1,645,000 | $ 235,000 | $ 11,000 |
| Cedar Rapids, IA | 7 | $ 1,205,000 | $ 172,142 | $ 0 |
| Charlottesville, VA | 7 | $ 1,905,000 | $ 272,142 | $ 0 |
| Decatur, AL | 7 | $ 1,525,000 | $ 217,857 | $ 0 |
| East Stroudsburg, PA | 7 | $ 1,045,000 | $ 149,285 | $ 14,000 |
| Erie, PA | 7 | $ 1,045,000 | $ 149,285 | $ 21,000 |
| Fort Collins, CO | 7 | $ 2,225,000 | $ 317,857 | $ 0 |
| Grand Junction, CO | 7 | $ 1,355,000 | $ 193,571 | $ 0 |
| Greenville, NC | 7 | $ 1,285,000 | $ 183,571 | $ 0 |
| Jackson, TN | 7 | $ 1,285,000 | $ 183,571 | $ 0 |
| Jonesboro, AR | 7 | $ 1,265,000 | $ 180,714 | $ 28,000 |
| Joplin, MO | 7 | $ 1,125,000 | $ 160,714 | $ 0 |
| Muskegon, MI | 7 | $ 925,000 | $ 132,142 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 7 | $ 2,545,000 | $ 363,571 | $ 0 |
| Pueblo, CO | 7 | $ 1,215,000 | $ 173,571 | $ 12,000 |
| Racine, WI | 7 | $ 1,215,000 | $ 173,571 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 7 | $ 3,285,000 | $ 469,285 | $ 0 |
| Santa Rosa, CA | 7 | $ 3,765,000 | $ 537,857 | $ 0 |
| Sebastian-Vero Beach, FL | 7 | $ 1,605,000 | $ 229,285 | $ 4,000 |
| Sioux City, IA-NE-SD | 7 | $ 1,205,000 | $ 172,142 | $ 0 |
| Springfield, IL | 7 | $ 1,335,000 | $ 190,714 | $ 25,000 |
| Winchester, VA-WV | 7 | $ 2,045,000 | $ 292,142 | $ 36,000 |
| Charleston, WV | 6 | $ 830,000 | $ 138,333 | $ 5,000 |
| Cleveland, TN | 6 | $ 1,410,000 | $ 235,000 | $ 0 |
| Columbia, MO | 6 | $ 1,290,000 | $ 215,000 | $ 0 |
| Duluth, MN-WI | 6 | $ 980,000 | $ 163,333 | $ 0 |
| Eau Claire, WI | 6 | $ 1,020,000 | $ 170,000 | $ 0 |
| El Centro, CA | 6 | $ 1,590,000 | $ 265,000 | $ 20,000 |
| Fond Du Lac, WI | 6 | $ 1,040,000 | $ 173,333 | $ 0 |
| Goldsboro, NC | 6 | $ 800,000 | $ 133,333 | $ 10,000 |
| Green Bay, WI | 6 | $ 1,110,000 | $ 185,000 | $ 15,000 |
| Hot Springs, AR | 6 | $ 870,000 | $ 145,000 | $ 0 |
| Lake Charles, LA | 6 | $ 930,000 | $ 155,000 | $ 0 |
| Laredo, TX | 6 | $ 1,070,000 | $ 178,333 | $ 17,000 |
| Lawrence, KS | 6 | $ 1,260,000 | $ 210,000 | $ 0 |
| Lebanon, PA | 6 | $ 930,000 | $ 155,000 | $ 0 |
| Merced, CA | 6 | $ 1,880,000 | $ 313,333 | $ 29,000 |
| Peoria, IL | 6 | $ 1,130,000 | $ 188,333 | $ 21,000 |
| Salinas, CA | 6 | $ 3,620,000 | $ 603,333 | $ 0 |
| Santa Fe, NM | 6 | $ 2,510,000 | $ 418,333 | $ 6,000 |
| Sebring, FL | 6 | $ 870,000 | $ 145,000 | $ 0 |
| Sheboygan, WI | 6 | $ 860,000 | $ 143,333 | $ 0 |
| Sioux Falls, SD | 6 | $ 1,370,000 | $ 228,333 | $ 0 |
| Terre Haute, IN | 6 | $ 1,040,000 | $ 173,333 | $ 0 |
| Wichita Falls, TX | 6 | $ 1,170,000 | $ 195,000 | $ 0 |
| Alexandria, LA | 5 | $ 925,000 | $ 185,000 | $ 0 |
| Ames, IA | 5 | $ 1,215,000 | $ 243,000 | $ 0 |
| Ann Arbor, MI | 5 | $ 1,525,000 | $ 305,000 | $ 0 |
| Auburn-Opelika, AL | 5 | $ 865,000 | $ 173,000 | $ 0 |
| Bloomington, IN | 5 | $ 1,225,000 | $ 245,000 | $ 14,000 |
| Boulder, CO | 5 | $ 1,965,000 | $ 393,000 | $ 25,000 |
| Corvallis, OR | 5 | $ 1,625,000 | $ 325,000 | $ 0 |
| Dubuque, IA | 5 | $ 1,015,000 | $ 203,000 | $ 33,000 |
| Flagstaff, AZ | 5 | $ 1,575,000 | $ 315,000 | $ 0 |
| Fort Smith, AR-OK | 5 | $ 725,000 | $ 145,000 | $ 0 |
| Jackson, MI | 5 | $ 1,115,000 | $ 223,000 | $ 13,000 |
| Jackson, MS | 5 | $ 1,435,000 | $ 287,000 | $ 0 |
| Kankakee, IL | 5 | $ 835,000 | $ 167,000 | $ 0 |
| Kennewick-Richland, WA | 5 | $ 1,055,000 | $ 211,000 | $ 16,000 |
| Lafayette-West Lafayette, IN | 5 | $ 1,025,000 | $ 205,000 | $ 0 |
| Lewiston-Auburn, ME | 5 | $ 995,000 | $ 199,000 | $ 11,000 |
| Lima, OH | 5 | $ 585,000 | $ 117,000 | $ 0 |
| Michigan City-La Porte, IN | 5 | $ 865,000 | $ 173,000 | $ 0 |
| Oshkosh-Neenah, WI | 5 | $ 925,000 | $ 185,000 | $ 0 |
| Rocky Mount, NC | 5 | $ 585,000 | $ 117,000 | $ 0 |
| San Angelo, TX | 5 | $ 1,035,000 | $ 207,000 | $ 0 |
| Springfield, OH | 5 | $ 735,000 | $ 147,000 | $ 19,000 |
| Williamsport, PA | 5 | $ 1,365,000 | $ 273,000 | $ 0 |
| Athens-Clarke County, GA | 4 | $ 640,000 | $ 160,000 | $ 0 |
| Bangor, ME | 4 | $ 830,000 | $ 207,500 | $ 0 |
| Bay City, MI | 4 | $ 510,000 | $ 127,500 | $ 0 |
| Bellingham, WA | 4 | $ 1,280,000 | $ 320,000 | $ 23,000 |
| Cape Girardeau, MO-IL | 4 | $ 560,000 | $ 140,000 | $ 0 |
| Enid, OK | 4 | $ 700,000 | $ 175,000 | $ 0 |
| Florence-Muscle Shoals, AL | 4 | $ 550,000 | $ 137,500 | $ 0 |
| Gadsden, AL | 4 | $ 630,000 | $ 157,500 | $ 0 |
| Gainesville, GA | 4 | $ 870,000 | $ 217,500 | $ 0 |
| Grand Forks, ND-MN | 4 | $ 1,070,000 | $ 267,500 | $ 0 |
| Hammond, LA | 4 | $ 750,000 | $ 187,500 | $ 0 |
| Kalamazoo-Portage, MI | 4 | $ 460,000 | $ 115,000 | $ 0 |
| Midland, TX | 4 | $ 770,000 | $ 192,500 | $ 0 |
| Missoula, MT | 4 | $ 1,220,000 | $ 305,000 | $ 0 |
| Monroe, MI | 4 | $ 520,000 | $ 130,000 | $ 0 |
| Morgantown, WV | 4 | $ 840,000 | $ 210,000 | $ 0 |
| Napa, CA | 4 | $ 2,050,000 | $ 512,500 | $ 31,000 |
| Niles-Benton Harbor, MI | 4 | $ 740,000 | $ 185,000 | $ 0 |
| Pocatello, ID | 4 | $ 790,000 | $ 197,500 | $ 0 |
| State College, PA | 4 | $ 870,000 | $ 217,500 | $ 25,000 |
| Albany, GA | 3 | $ 555,000 | $ 185,000 | $ 0 |
| Bloomington, IL | 3 | $ 615,000 | $ 205,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 945,000 | $ 315,000 | $ 0 |
| College Station-Bryan, TX | 3 | $ 455,000 | $ 151,666 | $ 0 |
| Columbus, IN | 3 | $ 625,000 | $ 208,333 | $ 0 |
| Cumberland, MD-WV | 3 | $ 475,000 | $ 158,333 | $ 0 |
| Dalton, GA | 3 | $ 565,000 | $ 188,333 | $ 0 |
| Elkhart-Goshen, IN | 3 | $ 385,000 | $ 128,333 | $ 0 |
| Farmington, NM | 3 | $ 585,000 | $ 195,000 | $ 0 |
| Harrisonburg, VA | 3 | $ 695,000 | $ 231,666 | $ 0 |
| Iowa City, IA | 3 | $ 595,000 | $ 198,333 | $ 0 |
| Janesville-Beloit, WI | 3 | $ 435,000 | $ 145,000 | $ 0 |
| Jefferson City, MO | 3 | $ 395,000 | $ 131,666 | $ 0 |
| Kokomo, IN | 3 | $ 355,000 | $ 118,333 | $ 16,000 |
| Mansfield, OH | 3 | $ 535,000 | $ 178,333 | $ 0 |
| Midland, MI | 3 | $ 365,000 | $ 121,666 | $ 0 |
| Monroe, LA | 3 | $ 735,000 | $ 245,000 | $ 0 |
| Muncie, IN | 3 | $ 305,000 | $ 101,666 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 1,015,000 | $ 338,333 | $ 32,000 |
| Rapid City, SD | 3 | $ 995,000 | $ 331,666 | $ 0 |
| Rockford, IL | 3 | $ 425,000 | $ 141,666 | $ 0 |
| Rome, GA | 3 | $ 345,000 | $ 115,000 | $ 26,000 |
| Saginaw, MI | 3 | $ 405,000 | $ 135,000 | $ 0 |
| San Rafael, CA | 3 | $ 1,515,000 | $ 505,000 | $ 53,000 |
| Staunton-Waynesboro, VA | 3 | $ 565,000 | $ 188,333 | $ 0 |
| Trenton, NJ | 3 | $ 785,000 | $ 261,666 | $ 0 |
| Victoria, TX | 3 | $ 475,000 | $ 158,333 | $ 0 |
| Waterloo-Cedar Falls, IA | 3 | $ 405,000 | $ 135,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 3 | $ 325,000 | $ 108,333 | $ 60,666 |
| Bloomsburg-Berwick, PA | 2 | $ 380,000 | $ 190,000 | $ 0 |
| Burlington, NC | 2 | $ 650,000 | $ 325,000 | $ 0 |
| Burlington-South Burlington, VT | 2 | $ 540,000 | $ 270,000 | $ 0 |
| Chico, CA | 2 | $ 710,000 | $ 355,000 | $ 0 |
| Danville, IL | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Grand Island, NE | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Houma-Thibodaux, LA | 2 | $ 600,000 | $ 300,000 | $ 0 |
| Johnstown, PA | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Norwich-New London, CT | 2 | $ 540,000 | $ 270,000 | $ 0 |
| Ocean City, NJ | 2 | $ 510,000 | $ 255,000 | $ 0 |
| Odessa, TX | 2 | $ 440,000 | $ 220,000 | $ 0 |
| Parkersburg-Vienna, WV | 2 | $ 560,000 | $ 280,000 | $ 125,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 1,940,000 | $ 970,000 | $ 0 |
| St. Joseph, MO-KS | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Wausau, WI | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Wheeling, WV-OH | 2 | $ 430,000 | $ 215,000 | $ 0 |
| Altoona, PA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Beckley, WV | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Champaign-Urbana, IL | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Decatur, IL | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Fargo, ND-MN | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Gettysburg, PA | 1 | $ 165,000 | $ 165,000 | $ 41,000 |
| Hattiesburg, MS | 1 | $ 185,000 | $ 185,000 | $ 0 |
| La Crosse-Onalaska, WI-MN | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Lewiston, ID-WA | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Longview, WA | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Mankato-North Mankato, MN | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Owensboro, KY | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Pine Bluff, AR | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 1,225,000 | $ 1,225,000 | $ 0 |
| Vineland-Bridgeton, NJ | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Walla Walla, WA | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Worcester, MA-CT | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Yakima, WA | 1 | $ 255,000 | $ 255,000 | $ 0 |
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.
For a list of all lenders in Utah, download the full spreadsheet
with aggregated HMDA statistics today.
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