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Act (HMDA) records Low VA Rates, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,280 | $ 251,080,000 | $ 196,156 | $ 13,857 |
| Las Vegas-Henderson-Paradise, NV | 395 | $ 121,665,000 | $ 308,012 | $ 57,000 |
| Atlanta-Sandy Springs-Roswell, GA | 275 | $ 71,135,000 | $ 258,672 | $ 13,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 217 | $ 88,385,000 | $ 407,304 | $ 25,055 |
| Phoenix-Mesa-Scottsdale, AZ | 184 | $ 49,180,000 | $ 267,282 | $ 24,000 |
| Houston-The Woodlands-Sugar Land, TX | 179 | $ 41,195,000 | $ 230,139 | $ 11,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 169 | $ 41,915,000 | $ 248,017 | $ 11,461 |
| San Antonio-New Braunfels, TX | 167 | $ 42,325,000 | $ 253,443 | $ 7,000 |
| Riverside-San Bernardino-Ontario, CA | 150 | $ 53,000,000 | $ 353,333 | $ 40,000 |
| Oklahoma City, OK | 138 | $ 28,680,000 | $ 207,826 | $ 10,000 |
| Tampa-St. Petersburg-Clearwater, FL | 133 | $ 33,015,000 | $ 248,233 | $ 13,000 |
| Salt Lake City, UT | 130 | $ 39,360,000 | $ 302,769 | $ 56,000 |
| Dallas-Plano-Irving, TX | 128 | $ 37,050,000 | $ 289,453 | $ 9,000 |
| St. Louis, MO-IL | 114 | $ 21,340,000 | $ 187,192 | $ 6,473 |
| Orlando-Kissimmee-Sanford, FL | 108 | $ 28,410,000 | $ 263,055 | $ 32,000 |
| Provo-Orem, UT | 106 | $ 36,430,000 | $ 343,679 | $ 190,000 |
| Charlotte-Concord-Gastonia, NC-SC | 104 | $ 25,730,000 | $ 247,403 | $ 16,221 |
| Jacksonville, FL | 100 | $ 24,190,000 | $ 241,900 | $ 10,000 |
| Ogden-Clearfield, UT | 95 | $ 28,265,000 | $ 297,526 | $ 36,000 |
| Killeen-Temple, TX | 92 | $ 16,720,000 | $ 181,739 | $ 7,000 |
| Kansas City, MO-KS | 91 | $ 20,595,000 | $ 226,318 | $ 8,043 |
| Fayetteville, NC | 88 | $ 15,290,000 | $ 173,750 | $ 2,000 |
| Fort Worth-Arlington, TX | 84 | $ 19,430,000 | $ 231,309 | $ 8,000 |
| Austin-Round Rock, TX | 81 | $ 22,605,000 | $ 279,074 | $ 44,000 |
| Columbia, SC | 73 | $ 15,035,000 | $ 205,958 | $ 7,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 73 | $ 17,765,000 | $ 243,356 | $ 17,506 |
| San Diego-Carlsbad, CA | 72 | $ 30,260,000 | $ 420,277 | $ 20,000 |
| Chicago-Naperville, IL | 68 | $ 14,040,000 | $ 206,470 | $ 19,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 67 | $ 21,345,000 | $ 318,582 | $ 39,985 |
| Albuquerque, NM | 63 | $ 15,365,000 | $ 243,888 | $ 16,000 |
| Baltimore-Columbia-Towson, MD | 63 | $ 21,445,000 | $ 340,396 | $ 15,000 |
| Charleston-North Charleston, SC | 61 | $ 15,285,000 | $ 250,573 | $ 10,000 |
| Colorado Springs, CO | 61 | $ 18,725,000 | $ 306,967 | $ 20,000 |
| Little Rock-North Little Rock-Conway, AR | 61 | $ 12,745,000 | $ 208,934 | $ 12,000 |
| El Paso, TX | 59 | $ 10,215,000 | $ 173,135 | $ 3,000 |
| Augusta-Richmond County, GA-SC | 58 | $ 11,490,000 | $ 198,103 | $ 26,448 |
| Tulsa, OK | 57 | $ 11,465,000 | $ 201,140 | $ 14,000 |
| Anchorage, AK | 55 | $ 16,015,000 | $ 291,181 | $ 1,000 |
| Indianapolis-Carmel-Anderson, IN | 55 | $ 9,395,000 | $ 170,818 | $ 8,000 |
| Louisville/Jefferson County, KY-IN | 52 | $ 9,780,000 | $ 188,076 | $ 0 |
| Richmond, VA | 52 | $ 13,180,000 | $ 253,461 | $ 8,000 |
| Camden, NJ | 51 | $ 11,145,000 | $ 218,529 | $ 6,000 |
| Denver-Aurora-Lakewood, CO | 51 | $ 19,065,000 | $ 373,823 | $ 23,000 |
| Los Angeles-Long Beach-Glendale, CA | 51 | $ 20,365,000 | $ 399,313 | $ 33,000 |
| Tucson, AZ | 50 | $ 10,950,000 | $ 219,000 | $ 21,000 |
| Columbus, OH | 49 | $ 9,005,000 | $ 183,775 | $ 8,000 |
| Pensacola-Ferry Pass-Brent, FL | 49 | $ 10,595,000 | $ 216,224 | $ 21,000 |
| Cincinnati, OH-KY-IN | 46 | $ 8,220,000 | $ 178,695 | $ 1,413 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 45 | $ 12,985,000 | $ 288,555 | $ 19,000 |
| Knoxville, TN | 44 | $ 10,520,000 | $ 239,090 | $ 7,000 |
| Memphis, TN-MS-AR | 44 | $ 8,790,000 | $ 199,772 | $ 2,181 |
| New York-Newark, NY | 44 | $ 11,200,000 | $ 254,545 | $ 19,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 43 | $ 8,285,000 | $ 192,674 | $ 11,511 |
| Sacramento--Roseville--Arden-Arcade, CA | 43 | $ 14,105,000 | $ 328,023 | $ 17,000 |
| Urban Honolulu, HI | 42 | $ 20,590,000 | $ 490,238 | $ 42,000 |
| Palm Bay-Melbourne-Titusville, FL | 41 | $ 10,305,000 | $ 251,341 | $ 23,000 |
| Birmingham-Hoover, AL | 40 | $ 8,010,000 | $ 200,250 | $ 17,000 |
| Boise City, ID | 40 | $ 11,390,000 | $ 284,750 | $ 20,000 |
| Raleigh, NC | 40 | $ 9,960,000 | $ 249,000 | $ 19,000 |
| Cleveland-Elyria, OH | 39 | $ 6,145,000 | $ 157,564 | $ 8,000 |
| Crestview-Fort Walton Beach-Destin, FL | 37 | $ 9,405,000 | $ 254,189 | $ 5,000 |
| Greenville-Anderson-Mauldin, SC | 37 | $ 6,945,000 | $ 187,702 | $ 14,000 |
| Savannah, GA | 37 | $ 7,985,000 | $ 215,810 | $ 18,000 |
| Winston-Salem, NC | 36 | $ 6,340,000 | $ 176,111 | $ 12,000 |
| Springfield, MO | 35 | $ 6,315,000 | $ 180,428 | $ 12,000 |
| Cape Coral-Fort Myers, FL | 34 | $ 8,450,000 | $ 248,529 | $ 11,000 |
| Clarksville, TN-KY | 34 | $ 6,760,000 | $ 198,823 | $ 8,823 |
| Warren-Troy-Farmington Hills, MI | 34 | $ 7,420,000 | $ 218,235 | $ 8,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 33 | $ 6,835,000 | $ 207,121 | $ 14,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 33 | $ 9,685,000 | $ 293,484 | $ 17,000 |
| Pittsburgh, PA | 33 | $ 4,925,000 | $ 149,242 | $ 17,000 |
| Gulfport-Biloxi-Pascagoula, MS | 32 | $ 5,900,000 | $ 184,375 | $ 13,000 |
| Lakeland-Winter Haven, FL | 32 | $ 6,930,000 | $ 216,562 | $ 14,000 |
| Reno, NV | 32 | $ 9,490,000 | $ 296,562 | $ 16,000 |
| Wilmington, DE-MD-NJ | 32 | $ 8,200,000 | $ 256,250 | $ 7,312 |
| Jacksonville, NC | 31 | $ 5,805,000 | $ 187,258 | $ 12,000 |
| Lake Havasu City-Kingman, AZ | 31 | $ 6,525,000 | $ 210,483 | $ 23,000 |
| Ocala, FL | 31 | $ 5,095,000 | $ 164,354 | $ 88,000 |
| St. George, UT | 31 | $ 8,825,000 | $ 284,677 | $ 32,000 |
| Hagerstown-Martinsburg, MD-WV | 30 | $ 7,380,000 | $ 246,000 | $ 12,666 |
| Huntsville, AL | 30 | $ 7,790,000 | $ 259,666 | $ 18,000 |
| Hinesville, GA | 29 | $ 4,945,000 | $ 170,517 | $ 4,000 |
| Omaha-Council Bluffs, NE-IA | 28 | $ 6,800,000 | $ 242,857 | $ 14,142 |
| Providence-Warwick, RI-MA | 28 | $ 7,840,000 | $ 280,000 | $ 0 |
| Dover, DE | 27 | $ 6,685,000 | $ 247,592 | $ 13,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 27 | $ 9,655,000 | $ 357,592 | $ 42,000 |
| Gary, IN | 26 | $ 4,510,000 | $ 173,461 | $ 13,000 |
| New Orleans-Metairie, LA | 26 | $ 5,150,000 | $ 198,076 | $ 0 |
| Des Moines-West Des Moines, IA | 25 | $ 5,735,000 | $ 229,400 | $ 3,000 |
| Columbus, GA-AL | 24 | $ 4,970,000 | $ 207,083 | $ 11,916 |
| Dayton-Springfield-Kettering, OH | 24 | $ 4,590,000 | $ 191,250 | $ 17,000 |
| Las Cruces, NM | 24 | $ 4,570,000 | $ 190,416 | $ 52,000 |
| Lawton, OK | 24 | $ 4,200,000 | $ 175,000 | $ 5,000 |
| North Port-Sarasota-Bradenton, FL | 24 | $ 5,810,000 | $ 242,083 | $ 16,000 |
| Philadelphia, PA | 24 | $ 4,400,000 | $ 183,333 | $ 5,000 |
| Portland-South Portland, ME | 24 | $ 5,540,000 | $ 230,833 | $ 6,000 |
| Warner Robins, GA | 24 | $ 5,240,000 | $ 218,333 | $ 8,000 |
| Elizabethtown-Fort Knox, KY | 23 | $ 4,425,000 | $ 192,391 | $ 10,000 |
| Milwaukee-Waukesha-West Allis, WI | 23 | $ 4,655,000 | $ 202,391 | $ 4,000 |
| Montgomery County-Bucks County-Chester County, PA | 23 | $ 6,655,000 | $ 289,347 | $ 25,000 |
| Baton Rouge, LA | 22 | $ 5,190,000 | $ 235,909 | $ 0 |
| Newark, NJ-PA | 22 | $ 6,540,000 | $ 297,272 | $ 36,227 |
| Salem, OR | 22 | $ 5,520,000 | $ 250,909 | $ 9,000 |
| Corpus Christi, TX | 21 | $ 4,415,000 | $ 210,238 | $ 13,000 |
| Detroit-Dearborn-Livonia, MI | 21 | $ 3,555,000 | $ 169,285 | $ 18,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 21 | $ 5,005,000 | $ 238,333 | $ 15,000 |
| Sierra Vista-Douglas, AZ | 21 | $ 3,635,000 | $ 173,095 | $ 2,000 |
| Anaheim-Santa Ana-Irvine, CA | 20 | $ 11,920,000 | $ 596,000 | $ 70,000 |
| Cheyenne, WY | 20 | $ 5,920,000 | $ 296,000 | $ 20,000 |
| Greensboro-High Point, NC | 20 | $ 4,040,000 | $ 202,000 | $ 13,000 |
| Harrisburg-Carlisle, PA | 20 | $ 3,300,000 | $ 165,000 | $ 5,000 |
| Seattle-Bellevue-Everett, WA | 20 | $ 7,840,000 | $ 392,000 | $ 49,000 |
| Stockton-Lodi, CA | 20 | $ 5,780,000 | $ 289,000 | $ 14,000 |
| Wichita, KS | 20 | $ 3,990,000 | $ 199,500 | $ 5,000 |
| Medford, OR | 19 | $ 5,705,000 | $ 300,263 | $ 6,000 |
| Bend-Redmond, OR | 18 | $ 4,750,000 | $ 263,888 | $ 38,000 |
| Grand Rapids-Wyoming, MI | 18 | $ 4,220,000 | $ 234,444 | $ 15,000 |
| Miami-Miami Beach-Kendall, FL | 18 | $ 5,340,000 | $ 296,666 | $ 25,000 |
| Port St. Lucie, FL | 18 | $ 4,560,000 | $ 253,333 | $ 41,000 |
| Shreveport-Bossier City, LA | 18 | $ 3,040,000 | $ 168,888 | $ 3,000 |
| Bakersfield, CA | 17 | $ 3,795,000 | $ 223,235 | $ 34,000 |
| Chattanooga, TN-GA | 17 | $ 3,455,000 | $ 203,235 | $ 35,058 |
| Davenport-Moline-Rock Island, IA-IL | 17 | $ 2,875,000 | $ 169,117 | $ 0 |
| Fort Smith, AR-OK | 17 | $ 3,275,000 | $ 192,647 | $ 15,000 |
| Greeley, CO | 17 | $ 5,255,000 | $ 309,117 | $ 18,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 17 | $ 7,635,000 | $ 449,117 | $ 28,000 |
| Toledo, OH | 17 | $ 2,675,000 | $ 157,352 | $ 9,000 |
| Duluth, MN-WI | 16 | $ 3,240,000 | $ 202,500 | $ 3,000 |
| Hartford-West Hartford-East Hartford, CT | 16 | $ 3,820,000 | $ 238,750 | $ 20,000 |
| Lake County-Kenosha County, IL-WI | 16 | $ 3,510,000 | $ 219,375 | $ 10,125 |
| Rockingham County-Strafford County, NH | 16 | $ 4,990,000 | $ 311,875 | $ 24,000 |
| Salisbury, MD-DE | 16 | $ 3,840,000 | $ 240,000 | $ 0 |
| Washington-Baltimore-Arlington, DC | 16 | $ 5,820,000 | $ 363,750 | $ 15,000 |
| Asheville, NC | 15 | $ 2,675,000 | $ 178,333 | $ 16,000 |
| Durham-Chapel Hill, NC | 15 | $ 3,555,000 | $ 237,000 | $ 18,000 |
| Eugene, OR | 15 | $ 3,845,000 | $ 256,333 | $ 6,000 |
| Huntington-Ashland, WV-KY-OH | 15 | $ 2,335,000 | $ 155,666 | $ 0 |
| McAllen-Edinburg-Mission, TX | 15 | $ 2,445,000 | $ 163,000 | $ 10,000 |
| Mobile, AL | 15 | $ 2,265,000 | $ 151,000 | $ 10,000 |
| Oakland-Hayward-Berkeley, CA | 15 | $ 6,995,000 | $ 466,333 | $ 35,000 |
| Spartanburg, SC | 15 | $ 2,855,000 | $ 190,333 | $ 7,000 |
| Gainesville, FL | 14 | $ 2,980,000 | $ 212,857 | $ 13,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 14 | $ 3,390,000 | $ 242,142 | $ 14,000 |
| Montgomery, AL | 14 | $ 2,700,000 | $ 192,857 | $ 4,000 |
| Sumter, SC | 14 | $ 2,170,000 | $ 155,000 | $ 6,000 |
| Valdosta, GA | 14 | $ 2,870,000 | $ 205,000 | $ 5,000 |
| Wilmington, NC | 14 | $ 3,040,000 | $ 217,142 | $ 16,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 13 | $ 2,375,000 | $ 182,692 | $ 10,153 |
| Canton-Massillon, OH | 13 | $ 1,875,000 | $ 144,230 | $ 7,000 |
| Elgin, IL | 13 | $ 2,635,000 | $ 202,692 | $ 9,000 |
| Fairbanks, AK | 13 | $ 3,355,000 | $ 258,076 | $ 27,000 |
| Fresno, CA | 13 | $ 3,625,000 | $ 278,846 | $ 25,000 |
| Manhattan, KS | 13 | $ 2,715,000 | $ 208,846 | $ 0 |
| Vallejo-Fairfield, CA | 13 | $ 5,855,000 | $ 450,384 | $ 15,000 |
| York-Hanover, PA | 13 | $ 2,605,000 | $ 200,384 | $ 9,000 |
| Youngstown-Warren-Boardman, OH-PA | 13 | $ 2,035,000 | $ 156,538 | $ 0 |
| Abilene, TX | 12 | $ 2,110,000 | $ 175,833 | $ 12,000 |
| Akron, OH | 12 | $ 2,060,000 | $ 171,666 | $ 21,000 |
| Hickory-Lenoir-Morganton, NC | 12 | $ 1,820,000 | $ 151,666 | $ 10,000 |
| Longview, TX | 12 | $ 1,880,000 | $ 156,666 | $ 6,000 |
| Manchester-Nashua, NH | 12 | $ 3,080,000 | $ 256,666 | $ 16,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 12 | $ 6,880,000 | $ 573,333 | $ 36,000 |
| Yuma, AZ | 12 | $ 1,960,000 | $ 163,333 | $ 6,000 |
| Grants Pass, OR | 11 | $ 2,695,000 | $ 245,000 | $ 6,000 |
| Homosassa Springs, FL | 11 | $ 1,685,000 | $ 153,181 | $ 0 |
| Idaho Falls, ID | 11 | $ 2,085,000 | $ 189,545 | $ 15,000 |
| Lincoln, NE | 11 | $ 1,855,000 | $ 168,636 | $ 6,000 |
| Lubbock, TX | 11 | $ 1,915,000 | $ 174,090 | $ 20,000 |
| New Haven-Milford, CT | 11 | $ 2,735,000 | $ 248,636 | $ 36,000 |
| Panama City, FL | 11 | $ 2,925,000 | $ 265,909 | $ 12,000 |
| Tacoma-Lakewood, WA | 11 | $ 3,565,000 | $ 324,090 | $ 37,000 |
| Visalia-Porterville, CA | 11 | $ 2,685,000 | $ 244,090 | $ 3,000 |
| Waco, TX | 11 | $ 1,875,000 | $ 170,454 | $ 11,000 |
| Cedar Rapids, IA | 10 | $ 2,000,000 | $ 200,000 | $ 20,000 |
| Dothan, AL | 10 | $ 1,620,000 | $ 162,000 | $ 11,000 |
| Evansville, IN-KY | 10 | $ 1,780,000 | $ 178,000 | $ 18,000 |
| Fort Collins, CO | 10 | $ 2,900,000 | $ 290,000 | $ 0 |
| Green Bay, WI | 10 | $ 2,090,000 | $ 209,000 | $ 18,000 |
| Logan, UT-ID | 10 | $ 2,950,000 | $ 295,000 | $ 35,000 |
| Olympia-Tumwater, WA | 10 | $ 3,650,000 | $ 365,000 | $ 122,000 |
| Prescott Valley-Prescott, AZ | 10 | $ 2,100,000 | $ 210,000 | $ 21,000 |
| Wausau, WI | 10 | $ 2,020,000 | $ 202,000 | $ 0 |
| Winchester, VA-WV | 10 | $ 2,640,000 | $ 264,000 | $ 15,300 |
| Yuba City, CA | 10 | $ 3,210,000 | $ 321,000 | $ 32,000 |
| Bremerton-Silverdale, WA | 9 | $ 3,185,000 | $ 353,888 | $ 43,000 |
| Brownsville-Harlingen, TX | 9 | $ 1,435,000 | $ 159,444 | $ 9,000 |
| Coeur D'Alene, ID | 9 | $ 3,425,000 | $ 380,555 | $ 22,000 |
| Decatur, AL | 9 | $ 1,515,000 | $ 168,333 | $ 8,000 |
| Janesville-Beloit, WI | 9 | $ 1,515,000 | $ 168,333 | $ 13,000 |
| Macon-Bibb County, GA | 9 | $ 1,285,000 | $ 142,777 | $ 15,000 |
| New Bern, NC | 9 | $ 1,725,000 | $ 191,666 | $ 5,000 |
| Tuscaloosa, AL | 9 | $ 2,045,000 | $ 227,222 | $ 0 |
| Amarillo, TX | 8 | $ 1,480,000 | $ 185,000 | $ 7,000 |
| Ames, IA | 8 | $ 1,630,000 | $ 203,750 | $ 0 |
| Beaumont-Port Arthur, TX | 8 | $ 1,240,000 | $ 155,000 | $ 17,000 |
| Bloomington, IN | 8 | $ 1,540,000 | $ 192,500 | $ 10,000 |
| Carbondale-Marion, IL | 8 | $ 1,140,000 | $ 142,500 | $ 0 |
| Fort Wayne, IN | 8 | $ 1,230,000 | $ 153,750 | $ 27,000 |
| Goldsboro, NC | 8 | $ 1,220,000 | $ 152,500 | $ 13,000 |
| Grand Junction, CO | 8 | $ 2,280,000 | $ 285,000 | $ 12,000 |
| Great Falls, MT | 8 | $ 1,440,000 | $ 180,000 | $ 11,000 |
| Greenville, NC | 8 | $ 1,260,000 | $ 157,500 | $ 17,000 |
| Hot Springs, AR | 8 | $ 1,940,000 | $ 242,500 | $ 0 |
| Johnson City, TN | 8 | $ 1,350,000 | $ 168,750 | $ 10,000 |
| Joplin, MO | 8 | $ 1,140,000 | $ 142,500 | $ 0 |
| Lafayette, LA | 8 | $ 1,110,000 | $ 138,750 | $ 0 |
| Lafayette-West Lafayette, IN | 8 | $ 1,220,000 | $ 152,500 | $ 0 |
| Lynchburg, VA | 8 | $ 1,230,000 | $ 153,750 | $ 12,000 |
| Pueblo, CO | 8 | $ 1,840,000 | $ 230,000 | $ 3,000 |
| Punta Gorda, FL | 8 | $ 1,380,000 | $ 172,500 | $ 9,000 |
| South Bend-Mishawaka, IN-MI | 8 | $ 1,220,000 | $ 152,500 | $ 15,000 |
| Waterloo-Cedar Falls, IA | 8 | $ 1,080,000 | $ 135,000 | $ 0 |
| Albany, OR | 7 | $ 1,505,000 | $ 215,000 | $ 7,000 |
| Atlantic City-Hammonton, NJ | 7 | $ 1,605,000 | $ 229,285 | $ 4,000 |
| Bismarck, ND | 7 | $ 1,615,000 | $ 230,714 | $ 0 |
| Brunswick, GA | 7 | $ 1,605,000 | $ 229,285 | $ 7,000 |
| Burlington, NC | 7 | $ 1,215,000 | $ 173,571 | $ 17,000 |
| Chico, CA | 7 | $ 1,945,000 | $ 277,857 | $ 8,000 |
| Cleveland, TN | 7 | $ 1,415,000 | $ 202,142 | $ 0 |
| Daphne-Fairhope-Foley, AL | 7 | $ 1,495,000 | $ 213,571 | $ 0 |
| Elkhart-Goshen, IN | 7 | $ 1,115,000 | $ 159,285 | $ 0 |
| Erie, PA | 7 | $ 1,195,000 | $ 170,714 | $ 12,000 |
| Fargo, ND-MN | 7 | $ 1,325,000 | $ 189,285 | $ 40,000 |
| Kokomo, IN | 7 | $ 1,225,000 | $ 175,000 | $ 27,000 |
| Mankato-North Mankato, MN | 7 | $ 1,655,000 | $ 236,428 | $ 19,000 |
| Modesto, CA | 7 | $ 2,205,000 | $ 315,000 | $ 0 |
| Monroe, MI | 7 | $ 1,105,000 | $ 157,857 | $ 0 |
| Morristown, TN | 7 | $ 1,075,000 | $ 153,571 | $ 0 |
| Racine, WI | 7 | $ 1,185,000 | $ 169,285 | $ 0 |
| San Angelo, TX | 7 | $ 855,000 | $ 122,142 | $ 0 |
| Santa Fe, NM | 7 | $ 1,975,000 | $ 282,142 | $ 13,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 7 | $ 1,385,000 | $ 197,857 | $ 20,000 |
| Sioux City, IA-NE-SD | 7 | $ 1,515,000 | $ 216,428 | $ 0 |
| Springfield, IL | 7 | $ 1,105,000 | $ 157,857 | $ 0 |
| Tallahassee, FL | 7 | $ 1,705,000 | $ 243,571 | $ 0 |
| Topeka, KS | 7 | $ 1,335,000 | $ 190,714 | $ 16,000 |
| Altoona, PA | 6 | $ 840,000 | $ 140,000 | $ 0 |
| Appleton, WI | 6 | $ 1,090,000 | $ 181,666 | $ 0 |
| Billings, MT | 6 | $ 1,350,000 | $ 225,000 | $ 48,000 |
| California-Lexington Park, MD | 6 | $ 1,920,000 | $ 320,000 | $ 38,000 |
| Eau Claire, WI | 6 | $ 1,170,000 | $ 195,000 | $ 39,000 |
| Flint, MI | 6 | $ 910,000 | $ 151,666 | $ 0 |
| Gettysburg, PA | 6 | $ 1,370,000 | $ 228,333 | $ 0 |
| Jackson, MI | 6 | $ 820,000 | $ 136,666 | $ 9,000 |
| Jackson, MS | 6 | $ 1,280,000 | $ 213,333 | $ 12,000 |
| Jonesboro, AR | 6 | $ 960,000 | $ 160,000 | $ 0 |
| Kalamazoo-Portage, MI | 6 | $ 1,120,000 | $ 186,666 | $ 18,000 |
| Lancaster, PA | 6 | $ 1,180,000 | $ 196,666 | $ 0 |
| Lewiston-Auburn, ME | 6 | $ 1,120,000 | $ 186,666 | $ 0 |
| Lexington-Fayette, KY | 6 | $ 1,300,000 | $ 216,666 | $ 11,000 |
| Madera, CA | 6 | $ 1,540,000 | $ 256,666 | $ 9,000 |
| Madison, WI | 6 | $ 1,350,000 | $ 225,000 | $ 0 |
| Monroe, LA | 6 | $ 780,000 | $ 130,000 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 6 | $ 2,090,000 | $ 348,333 | $ 0 |
| Parkersburg-Vienna, WV | 6 | $ 890,000 | $ 148,333 | $ 22,000 |
| Rapid City, SD | 6 | $ 1,180,000 | $ 196,666 | $ 0 |
| Reading, PA | 6 | $ 1,670,000 | $ 278,333 | $ 0 |
| Redding, CA | 6 | $ 1,280,000 | $ 213,333 | $ 11,000 |
| Rocky Mount, NC | 6 | $ 1,030,000 | $ 171,666 | $ 0 |
| Sebastian-Vero Beach, FL | 6 | $ 950,000 | $ 158,333 | $ 0 |
| Spokane-Spokane Valley, WA | 6 | $ 1,750,000 | $ 291,666 | $ 67,000 |
| The Villages, FL | 6 | $ 1,660,000 | $ 276,666 | $ 27,000 |
| Twin Falls, ID | 6 | $ 1,330,000 | $ 221,666 | $ 19,000 |
| Victoria, TX | 6 | $ 1,130,000 | $ 188,333 | $ 0 |
| Battle Creek, MI | 5 | $ 645,000 | $ 129,000 | $ 0 |
| Blacksburg-Christiansburg-Radford, VA | 5 | $ 995,000 | $ 199,000 | $ 0 |
| Bloomington, IL | 5 | $ 905,000 | $ 181,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 5 | $ 875,000 | $ 175,000 | $ 17,000 |
| Cape Girardeau, MO-IL | 5 | $ 1,255,000 | $ 251,000 | $ 20,000 |
| Carson City, NV | 5 | $ 985,000 | $ 197,000 | $ 13,000 |
| Casper, WY | 5 | $ 1,635,000 | $ 327,000 | $ 13,000 |
| Charlottesville, VA | 5 | $ 1,245,000 | $ 249,000 | $ 29,000 |
| College Station-Bryan, TX | 5 | $ 1,355,000 | $ 271,000 | $ 0 |
| Gainesville, GA | 5 | $ 1,455,000 | $ 291,000 | $ 69,000 |
| Hanford-Corcoran, CA | 5 | $ 1,455,000 | $ 291,000 | $ 47,000 |
| Iowa City, IA | 5 | $ 895,000 | $ 179,000 | $ 19,000 |
| Kahului-Wailuku-Lahaina, HI | 5 | $ 2,245,000 | $ 449,000 | $ 8,000 |
| Kankakee, IL | 5 | $ 815,000 | $ 163,000 | $ 27,000 |
| Mansfield, OH | 5 | $ 785,000 | $ 157,000 | $ 0 |
| Midland, MI | 5 | $ 1,145,000 | $ 229,000 | $ 17,000 |
| Muncie, IN | 5 | $ 635,000 | $ 127,000 | $ 0 |
| Norwich-New London, CT | 5 | $ 1,275,000 | $ 255,000 | $ 0 |
| Odessa, TX | 5 | $ 1,105,000 | $ 221,000 | $ 0 |
| Oshkosh-Neenah, WI | 5 | $ 865,000 | $ 173,000 | $ 3,000 |
| Santa Maria-Santa Barbara, CA | 5 | $ 2,305,000 | $ 461,000 | $ 13,000 |
| St. Cloud, MN | 5 | $ 875,000 | $ 175,000 | $ 14,000 |
| Tyler, TX | 5 | $ 1,065,000 | $ 213,000 | $ 0 |
| Wheeling, WV-OH | 5 | $ 805,000 | $ 161,000 | $ 17,400 |
| Wichita Falls, TX | 5 | $ 505,000 | $ 101,000 | $ 0 |
| Alexandria, LA | 4 | $ 890,000 | $ 222,500 | $ 0 |
| Columbia, MO | 4 | $ 1,170,000 | $ 292,500 | $ 20,000 |
| Dubuque, IA | 4 | $ 670,000 | $ 167,500 | $ 41,000 |
| Enid, OK | 4 | $ 690,000 | $ 172,500 | $ 0 |
| Farmington, NM | 4 | $ 810,000 | $ 202,500 | $ 16,000 |
| Lake Charles, LA | 4 | $ 590,000 | $ 147,500 | $ 0 |
| Lansing-East Lansing, MI | 4 | $ 440,000 | $ 110,000 | $ 0 |
| Laredo, TX | 4 | $ 630,000 | $ 157,500 | $ 0 |
| Morgantown, WV | 4 | $ 650,000 | $ 162,500 | $ 0 |
| Muskegon, MI | 4 | $ 750,000 | $ 187,500 | $ 30,000 |
| Roanoke, VA | 4 | $ 670,000 | $ 167,500 | $ 0 |
| Salinas, CA | 4 | $ 1,860,000 | $ 465,000 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 4 | $ 1,950,000 | $ 487,500 | $ 174,000 |
| Sebring, FL | 4 | $ 680,000 | $ 170,000 | $ 30,000 |
| Springfield, OH | 4 | $ 440,000 | $ 110,000 | $ 0 |
| Staunton-Waynesboro, VA | 4 | $ 590,000 | $ 147,500 | $ 0 |
| Terre Haute, IN | 4 | $ 500,000 | $ 125,000 | $ 0 |
| Athens-Clarke County, GA | 3 | $ 415,000 | $ 138,333 | $ 0 |
| Auburn-Opelika, AL | 3 | $ 935,000 | $ 311,666 | $ 0 |
| Bangor, ME | 3 | $ 455,000 | $ 151,666 | $ 57,000 |
| Charleston, WV | 3 | $ 335,000 | $ 111,666 | $ 0 |
| Corvallis, OR | 3 | $ 705,000 | $ 235,000 | $ 0 |
| East Stroudsburg, PA | 3 | $ 725,000 | $ 241,666 | $ 0 |
| Flagstaff, AZ | 3 | $ 385,000 | $ 128,333 | $ 0 |
| Florence, SC | 3 | $ 465,000 | $ 155,000 | $ 0 |
| Florence-Muscle Shoals, AL | 3 | $ 795,000 | $ 265,000 | $ 0 |
| Gadsden, AL | 3 | $ 495,000 | $ 165,000 | $ 0 |
| Houma-Thibodaux, LA | 3 | $ 1,185,000 | $ 395,000 | $ 0 |
| Merced, CA | 3 | $ 995,000 | $ 331,666 | $ 0 |
| Midland, TX | 3 | $ 605,000 | $ 201,666 | $ 0 |
| Ocean City, NJ | 3 | $ 715,000 | $ 238,333 | $ 0 |
| Peoria, IL | 3 | $ 325,000 | $ 108,333 | $ 0 |
| Pocatello, ID | 3 | $ 415,000 | $ 138,333 | $ 0 |
| Rochester, MN | 3 | $ 725,000 | $ 241,666 | $ 0 |
| Rockford, IL | 3 | $ 485,000 | $ 161,666 | $ 0 |
| Rome, GA | 3 | $ 435,000 | $ 145,000 | $ 0 |
| Sherman-Denison, TX | 3 | $ 735,000 | $ 245,000 | $ 14,000 |
| St. Joseph, MO-KS | 3 | $ 365,000 | $ 121,666 | $ 0 |
| Vineland-Bridgeton, NJ | 3 | $ 425,000 | $ 141,666 | $ 24,000 |
| Weirton-Steubenville, WV-OH | 3 | $ 435,000 | $ 145,000 | $ 59,333 |
| Williamsport, PA | 3 | $ 525,000 | $ 175,000 | $ 0 |
| Albany, GA | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Anniston-Oxford-Jacksonville, AL | 2 | $ 210,000 | $ 105,000 | $ 20,000 |
| Boulder, CO | 2 | $ 1,220,000 | $ 610,000 | $ 140,000 |
| El Centro, CA | 2 | $ 530,000 | $ 265,000 | $ 0 |
| Fond Du Lac, WI | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Grand Forks, ND-MN | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Hammond, LA | 2 | $ 350,000 | $ 175,000 | $ 0 |
| Hattiesburg, MS | 2 | $ 630,000 | $ 315,000 | $ 0 |
| Jackson, TN | 2 | $ 410,000 | $ 205,000 | $ 62,000 |
| Jefferson City, MO | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Kennewick-Richland, WA | 2 | $ 380,000 | $ 190,000 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Lawrence, KS | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Lewiston, ID-WA | 2 | $ 400,000 | $ 200,000 | $ 0 |
| Lima, OH | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 700,000 | $ 350,000 | $ 33,000 |
| Niles-Benton Harbor, MI | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Pine Bluff, AR | 2 | $ 230,000 | $ 115,000 | $ 0 |
| San Rafael, CA | 2 | $ 810,000 | $ 405,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,560,000 | $ 780,000 | $ 0 |
| Santa Rosa, CA | 2 | $ 1,140,000 | $ 570,000 | $ 0 |
| Sheboygan, WI | 2 | $ 410,000 | $ 205,000 | $ 0 |
| State College, PA | 2 | $ 600,000 | $ 300,000 | $ 0 |
| Texarkana, TX-AR | 2 | $ 220,000 | $ 110,000 | $ 23,500 |
| Trenton, NJ | 2 | $ 560,000 | $ 280,000 | $ 0 |
| Yakima, WA | 2 | $ 720,000 | $ 360,000 | $ 38,000 |
| Ann Arbor, MI | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Bay City, MI | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Bellingham, WA | 1 | $ 485,000 | $ 485,000 | $ 101,000 |
| Bloomsburg-Berwick, PA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Bowling Green, KY | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Burlington-South Burlington, VT | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Chambersburg-Waynesboro, PA | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Champaign-Urbana, IL | 1 | $ 135,000 | $ 135,000 | $ 38,000 |
| Columbus, IN | 1 | $ 305,000 | $ 305,000 | $ 131,000 |
| Cumberland, MD-WV | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Grand Island, NE | 1 | $ 165,000 | $ 165,000 | $ 0 |
| La Crosse-Onalaska, WI-MN | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Lebanon, PA | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Longview, WA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Michigan City-La Porte, IN | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Missoula, MT | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Mount Vernon-Anacortes, WA | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Napa, CA | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Saginaw, MI | 1 | $ 125,000 | $ 125,000 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Sioux Falls, SD | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Walla Walla, WA | 1 | $ 145,000 | $ 145,000 | $ 0 |
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.
For a list of all lenders in Utah, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About