Member One
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Member One 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Member One P.O. Box 12288 Roanoke, VA 24024 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,113 |
| Total Mortgage Loan Application Amount | $276,885,000 |
| Average Mortgage Loan Application Amount | $110,833 |
| Highest Mortgage Loan Application Amount | $1,495,000 |
| Average Applicant Income | $77,833 |
| Highest Applicant Income | $6,228,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Member One. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Member One's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Member One's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Member One serves its applicants.
Each category highlights the total number of mortgage applications processed by Member One, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Member One's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Roanoke County Virginia | 314 | $ 30,840,000 | $ 98,000 | $ 118,000 |
| Roanoke City County Virginia | 210 | $ 19,730,000 | $ 93,000 | $ 73,000 |
| Franklin County Virginia | 151 | $ 14,945,000 | $ 98,000 | $ 86,000 |
| Bedford County Virginia | 122 | $ 11,520,000 | $ 94,000 | $ 93,000 |
| Botetourt County Virginia | 91 | $ 10,145,000 | $ 111,000 | $ 114,000 |
| Montgomery County Virginia | 77 | $ 6,405,000 | $ 83,000 | $ 92,000 |
| Salem County Virginia | 55 | $ 5,965,000 | $ 108,000 | $ 83,000 |
| Lynchburg County Virginia | 30 | $ 2,240,000 | $ 74,000 | $ 98,000 |
| Campbell County Virginia | 28 | $ 2,050,000 | $ 73,000 | $ 84,000 |
| Martinsville County Virginia | 26 | $ 1,570,000 | $ 60,000 | $ 73,000 |
| Pulaski County Virginia | 19 | $ 1,205,000 | $ 63,000 | $ 86,000 |
| Amherst County Virginia | 17 | $ 1,645,000 | $ 96,000 | $ 95,000 |
| Floyd County Virginia | 12 | $ 1,030,000 | $ 85,000 | $ 72,000 |
| Giles County Virginia | 12 | $ 1,230,000 | $ 102,000 | $ 103,000 |
| Radford County Virginia | 12 | $ 910,000 | $ 75,000 | $ 108,000 |
| Danville County Virginia | 10 | $ 450,000 | $ 45,000 | $ 0 |
| Craig County Virginia | 8 | $ 390,000 | $ 48,000 | $ 65,000 |
| Fulton County Georgia | 7 | $ 2,845,000 | $ 406,000 | $ 209,000 |
| Henry County Virginia | 6 | $ 370,000 | $ 61,000 | $ 61,000 |
| Appomattox County Virginia | 5 | $ 185,000 | $ 37,000 | $ 64,000 |
| Carroll County Virginia | 5 | $ 355,000 | $ 71,000 | $ 35,000 |
| Virginia Beach County Virginia | 5 | $ 415,000 | $ 83,000 | $ 99,000 |
| Alleghany County Virginia | 4 | $ 220,000 | $ 55,000 | $ 41,000 |
| Pittsylvania County Virginia | 4 | $ 160,000 | $ 40,000 | $ 78,000 |
| Cherokee County Georgia | 3 | $ 905,000 | $ 301,000 | $ 117,000 |
| Cobb County Georgia | 3 | $ 2,825,000 | $ 941,000 | $ 363,000 |
| Dickenson County Virginia | 3 | $ 385,000 | $ 128,000 | $ 0 |
| Patrick County Virginia | 3 | $ 135,000 | $ 45,000 | $ 67,000 |
| DeKalb County Georgia | 2 | $ 1,190,000 | $ 595,000 | $ 307,000 |
| Gaston County North Carolina | 2 | $ 90,000 | $ 45,000 | $ 0 |
| Harnett County North Carolina | 2 | $ 530,000 | $ 265,000 | $ 192,000 |
| Prince Edward County Virginia | 2 | $ 310,000 | $ 155,000 | $ 78,000 |
| Coweta County Georgia | 1 | $ 775,000 | $ 775,000 | $ 260,000 |
| Douglas County Georgia | 1 | $ 235,000 | $ 235,000 | $ 103,000 |
| Fayette County Georgia | 1 | $ 405,000 | $ 405,000 | $ 383,000 |
| Forsyth County Georgia | 1 | $ 705,000 | $ 705,000 | $ 225,000 |
| Gordon County Georgia | 1 | $ 285,000 | $ 285,000 | $ 88,000 |
| Gwinnett County Georgia | 1 | $ 45,000 | $ 45,000 | $ 112,000 |
| Henry County Georgia | 1 | $ 315,000 | $ 315,000 | $ 114,000 |
| Montgomery County Georgia | 1 | $ 135,000 | $ 135,000 | $ 85,000 |
| Beaufort County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 135,000 |
| Currituck County North Carolina | 1 | $ 365,000 | $ 365,000 | $ 154,000 |
| Lincoln County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Onslow County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 114,000 |
| Charleston County South Carolina | 1 | $ 805,000 | $ 805,000 | $ 334,000 |
| Fayette County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 69,000 |
| Augusta County Virginia | 1 | $ 25,000 | $ 25,000 | $ 181,000 |
| Buchanan County Virginia | 1 | $ 25,000 | $ 25,000 | $ 89,000 |
| Charlotte County Virginia | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Charlottesville County Virginia | 1 | $ 95,000 | $ 95,000 | $ 107,000 |
| Chesapeake County Virginia | 1 | $ 15,000 | $ 15,000 | $ 156,000 |
| Chesterfield County Virginia | 1 | $ 105,000 | $ 105,000 | $ 107,000 |
| Frederick County Virginia | 1 | $ 75,000 | $ 75,000 | $ 208,000 |
| Galax County Virginia | 1 | $ 25,000 | $ 25,000 | $ 88,000 |
| Halifax County Virginia | 1 | $ 45,000 | $ 45,000 | $ 110,000 |
| Henrico County Virginia | 1 | $ 55,000 | $ 55,000 | $ 107,000 |
| Louisa County Virginia | 1 | $ 465,000 | $ 465,000 | $ 352,000 |
| Madison County Virginia | 1 | $ 25,000 | $ 25,000 | $ 44,000 |
| Mecklenburg County Virginia | 1 | $ 85,000 | $ 85,000 | $ 143,000 |
| Nelson County Virginia | 1 | $ 85,000 | $ 85,000 | $ 29,000 |
| Rockingham County Virginia | 1 | $ 95,000 | $ 95,000 | $ 65,000 |
| Russell County Virginia | 1 | $ 145,000 | $ 145,000 | $ 137,000 |
| Washington County Virginia | 1 | $ 35,000 | $ 35,000 | $ 125,000 |
| Waynesboro County Virginia | 1 | $ 225,000 | $ 225,000 | $ 42,000 |
| Wythe County Virginia | 1 | $ 135,000 | $ 135,000 | $ 87,000 |
Mortgage Loan Application Detail Totals for Member One 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 792 | $153,450,000 | $193,000 | $1,495,000 | $83,000 | $4,600,000 |
| Home Improvement | 470 | $27,110,000 | $57,000 | $305,000 | $98,000 | $618,000 |
| Refinancing | 328 | $40,690,000 | $124,000 | $945,000 | $85,000 | $864,000 |
| Other Purpose | 300 | $19,420,000 | $64,000 | $455,000 | $95,000 | $6,228,000 |
| Cash-out Refinancing | 222 | $36,150,000 | $162,000 | $555,000 | $106,000 | $1,580,000 |
| Not Applicable | 1 | $65,000 | $65,000 | $65,000 | $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 | 1,439 | $176,945,000 | $122,000 | $1,065,000 | $92,000 | $6,228,000 |
| Not Provided | 284 | $50,280,000 | $177,000 | $1,105,000 | $90,000 | $4,600,000 |
| Not applicable | 154 | $17,760,000 | $115,000 | $945,000 | $0 | $0 |
| Black or African American | 149 | $18,415,000 | $123,000 | $1,495,000 | $72,000 | $804,000 |
| Hispanic | 45 | $6,545,000 | $145,000 | $555,000 | $93,000 | $600,000 |
| Asian | 23 | $3,895,000 | $169,000 | $375,000 | $79,000 | $450,000 |
| American Indian or Alaskan Native | 7 | $765,000 | $109,000 | $215,000 | $59,000 | $191,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $290,000 | $145,000 | $145,000 | $121,000 | $126,000 |
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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,083 | $272,235,000 | $130,000 | $1,495,000 | $91,000 | $6,228,000 |
| FHA-insured (Federal Housing Administration) | 13 | $2,005,000 | $154,000 | $265,000 | $68,000 | $143,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,235,000 | $137,000 | $225,000 | $50,000 | $118,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,410,000 | $176,000 | $285,000 | $70,000 | $114,000 |
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 | 1,030 | $129,790,000 | $126,000 | $1,105,000 | $101,000 | $1,580,000 |
| Application Denied By Financial Institution | 1,006 | $137,790,000 | $136,000 | $1,495,000 | $75,000 | $6,228,000 |
| Application Withdrawn By Applicant | 50 | $5,380,000 | $107,000 | $365,000 | $112,000 | $1,234,000 |
| Application Approved But Not Accepted | 17 | $2,025,000 | $119,000 | $465,000 | $369,000 | $4,600,000 |
| File Closed For Incompleteness | 10 | $1,900,000 | $190,000 | $455,000 | $110,000 | $506,000 |
| 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 | 1,107 | $139,095,000 | $125,000 | $1,105,000 | $107,000 | $4,600,000 |
| Credit Application Incomplete | 658 | $103,660,000 | $157,000 | $775,000 | $72,000 | $958,000 |
| Credit History | 166 | $18,940,000 | $114,000 | $1,495,000 | $58,000 | $600,000 |
| Other | 85 | $5,455,000 | $64,000 | $225,000 | $79,000 | $276,000 |
| Debt-To-Income Ratio | 73 | $7,515,000 | $102,000 | $305,000 | $132,000 | $6,228,000 |
| Collateral | 15 | $965,000 | $64,000 | $275,000 | $83,000 | $214,000 |
| Employment History | 8 | $1,160,000 | $145,000 | $325,000 | $63,000 | $184,000 |
| Unverifiable Information | 1 | $95,000 | $95,000 | $95,000 | $42,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Member One'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 Member One'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 Virginia, download the full spreadsheet
with aggregated HMDA statistics today.