Member One
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Member One 2023 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 | 2,041 |
| Total Mortgage Loan Application Amount | $228,065,000 |
| Average Mortgage Loan Application Amount | $137,400 |
| Highest Mortgage Loan Application Amount | $1,985,000 |
| Average Applicant Income | $103,600 |
| Highest Applicant Income | $7,465,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 430 | $ 45,660,000 | $ 106,000 | $ 106,000 |
| Roanoke City County Virginia | 289 | $ 30,045,000 | $ 103,000 | $ 155,000 |
| Bedford County Virginia | 212 | $ 19,860,000 | $ 93,000 | $ 116,000 |
| Franklin County Virginia | 206 | $ 18,650,000 | $ 90,000 | $ 90,000 |
| Botetourt County Virginia | 125 | $ 11,545,000 | $ 92,000 | $ 110,000 |
| Montgomery County Virginia | 88 | $ 10,270,000 | $ 116,000 | $ 129,000 |
| Salem County Virginia | 87 | $ 9,405,000 | $ 108,000 | $ 95,000 |
| Lynchburg County Virginia | 86 | $ 8,780,000 | $ 102,000 | $ 75,000 |
| Campbell County Virginia | 62 | $ 5,980,000 | $ 96,000 | $ 95,000 |
| Pulaski County Virginia | 42 | $ 3,140,000 | $ 74,000 | $ 101,000 |
| Amherst County Virginia | 37 | $ 3,005,000 | $ 81,000 | $ 89,000 |
| Appomattox County Virginia | 24 | $ 1,150,000 | $ 47,000 | $ 80,000 |
| Floyd County Virginia | 17 | $ 1,565,000 | $ 92,000 | $ 88,000 |
| Danville County Virginia | 16 | $ 4,150,000 | $ 259,000 | $ 0 |
| Radford County Virginia | 16 | $ 1,530,000 | $ 95,000 | $ 84,000 |
| Pittsylvania County Virginia | 14 | $ 1,590,000 | $ 113,000 | $ 59,000 |
| Henry County Virginia | 11 | $ 915,000 | $ 83,000 | $ 74,000 |
| Wythe County Virginia | 7 | $ 1,025,000 | $ 146,000 | $ 81,000 |
| Carroll County Virginia | 6 | $ 380,000 | $ 63,000 | $ 111,000 |
| Craig County Virginia | 6 | $ 590,000 | $ 98,000 | $ 99,000 |
| Carroll County Georgia | 5 | $ 1,295,000 | $ 259,000 | $ 146,000 |
| DeKalb County Georgia | 5 | $ 2,525,000 | $ 505,000 | $ 281,000 |
| Giles County Virginia | 5 | $ 245,000 | $ 49,000 | $ 105,000 |
| Rockbridge County Virginia | 5 | $ 1,165,000 | $ 233,000 | $ 117,000 |
| Gwinnett County Georgia | 4 | $ 1,120,000 | $ 280,000 | $ 241,000 |
| Henry County Georgia | 4 | $ 960,000 | $ 240,000 | $ 115,000 |
| Chesapeake County Virginia | 4 | $ 950,000 | $ 237,000 | $ 171,000 |
| Patrick County Virginia | 4 | $ 390,000 | $ 97,000 | $ 223,000 |
| Virginia Beach County Virginia | 4 | $ 400,000 | $ 100,000 | $ 91,000 |
| Cherokee County Georgia | 3 | $ 895,000 | $ 298,000 | $ 151,000 |
| Cobb County Georgia | 3 | $ 515,000 | $ 171,000 | $ 152,000 |
| Coweta County Georgia | 3 | $ 1,285,000 | $ 428,000 | $ 183,000 |
| Fulton County Georgia | 3 | $ 1,345,000 | $ 448,000 | $ 184,000 |
| Wake County North Carolina | 3 | $ 645,000 | $ 215,000 | $ 170,000 |
| Alleghany County Virginia | 3 | $ 145,000 | $ 48,000 | $ 62,000 |
| Martinsville County Virginia | 3 | $ 165,000 | $ 55,000 | $ 71,000 |
| Palm Beach County Florida | 2 | $ 270,000 | $ 135,000 | $ 214,000 |
| Gordon County Georgia | 2 | $ 440,000 | $ 220,000 | $ 198,000 |
| Hall County Georgia | 2 | $ 700,000 | $ 350,000 | $ 186,000 |
| Jackson County Georgia | 2 | $ 670,000 | $ 335,000 | $ 127,000 |
| Mecklenburg County North Carolina | 2 | $ 180,000 | $ 90,000 | $ 268,000 |
| Allegheny County Pennsylvania | 2 | $ 110,000 | $ 55,000 | $ 66,000 |
| Washington County Pennsylvania | 2 | $ 220,000 | $ 110,000 | $ 86,000 |
| Albemarle County Virginia | 2 | $ 250,000 | $ 125,000 | $ 155,000 |
| Charlotte County Virginia | 2 | $ 220,000 | $ 110,000 | $ 43,000 |
| Chesterfield County Virginia | 2 | $ 100,000 | $ 50,000 | $ 133,000 |
| Halifax County Virginia | 2 | $ 140,000 | $ 70,000 | $ 80,000 |
| Nelson County Virginia | 2 | $ 230,000 | $ 115,000 | $ 193,000 |
| Prince Edward County Virginia | 2 | $ 240,000 | $ 120,000 | $ 108,000 |
| Lauderdale County Alabama | 1 | $ 205,000 | $ 205,000 | $ 138,000 |
| Shelby County Alabama | 1 | $ 475,000 | $ 475,000 | $ 97,000 |
| Barrow County Georgia | 1 | $ 25,000 | $ 25,000 | $ 87,000 |
| Bartow County Georgia | 1 | $ 165,000 | $ 165,000 | $ 133,000 |
| Columbia County Georgia | 1 | $ 375,000 | $ 375,000 | $ 238,000 |
| Douglas County Georgia | 1 | $ 45,000 | $ 45,000 | $ 78,000 |
| Fayette County Georgia | 1 | $ 175,000 | $ 175,000 | $ 263,000 |
| Floyd County Georgia | 1 | $ 15,000 | $ 15,000 | $ 118,000 |
| Forsyth County Georgia | 1 | $ 65,000 | $ 65,000 | $ 223,000 |
| Houston County Georgia | 1 | $ 245,000 | $ 245,000 | $ 150,000 |
| Lee County Georgia | 1 | $ 15,000 | $ 15,000 | $ 96,000 |
| Lowndes County Georgia | 1 | $ 295,000 | $ 295,000 | $ 74,000 |
| Paulding County Georgia | 1 | $ 385,000 | $ 385,000 | $ 198,000 |
| Rockdale County Georgia | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Spalding County Georgia | 1 | $ 255,000 | $ 255,000 | $ 80,000 |
| Allen County Indiana | 1 | $ 385,000 | $ 385,000 | $ 171,000 |
| Wayne County Michigan | 1 | $ 35,000 | $ 35,000 | $ 96,000 |
| Caswell County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Davidson County North Carolina | 1 | $ 385,000 | $ 385,000 | $ 140,000 |
| Johnston County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 178,000 |
| Pender County North Carolina | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Surry County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 24,000 |
| Erie County Ohio | 1 | $ 395,000 | $ 395,000 | $ 148,000 |
| Lucas County Ohio | 1 | $ 335,000 | $ 335,000 | $ 122,000 |
| Mahoning County Ohio | 1 | $ 315,000 | $ 315,000 | $ 104,000 |
| Seneca County Ohio | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Blair County Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 62,000 |
| Butler County Pennsylvania | 1 | $ 365,000 | $ 365,000 | $ 164,000 |
| Juniata County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 104,000 |
| Lawrence County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| Mercer County Pennsylvania | 1 | $ 275,000 | $ 275,000 | $ 136,000 |
| Northampton County Pennsylvania | 1 | $ 335,000 | $ 335,000 | $ 171,000 |
| Dorchester County South Carolina | 1 | $ 35,000 | $ 35,000 | $ 102,000 |
| Horry County South Carolina | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Hamilton County Tennessee | 1 | $ 305,000 | $ 305,000 | $ 204,000 |
| Marshall County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 134,000 |
| Bath County Virginia | 1 | $ 55,000 | $ 55,000 | $ 65,000 |
| Buchanan County Virginia | 1 | $ 35,000 | $ 35,000 | $ 54,000 |
| Covington County Virginia | 1 | $ 35,000 | $ 35,000 | $ 110,000 |
| Dickenson County Virginia | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Henrico County Virginia | 1 | $ 85,000 | $ 85,000 | $ 110,000 |
| Lexington County Virginia | 1 | $ 25,000 | $ 25,000 | $ 73,000 |
| Loudoun County Virginia | 1 | $ 175,000 | $ 175,000 | $ 180,000 |
| New Kent County Virginia | 1 | $ 155,000 | $ 155,000 | $ 106,000 |
| Norfolk County Virginia | 1 | $ 75,000 | $ 75,000 | $ 53,000 |
| Prince George County Virginia | 1 | $ 35,000 | $ 35,000 | $ 74,000 |
| Prince William County Virginia | 1 | $ 305,000 | $ 305,000 | $ 220,000 |
| Richmond City County Virginia | 1 | $ 85,000 | $ 85,000 | $ 309,000 |
| Rockingham County Virginia | 1 | $ 55,000 | $ 55,000 | $ 71,000 |
| Shenandoah County Virginia | 1 | $ 165,000 | $ 165,000 | $ 100,000 |
| Tazewell County Virginia | 1 | $ 55,000 | $ 55,000 | $ 56,000 |
| Warren County Virginia | 1 | $ 155,000 | $ 155,000 | $ 120,000 |
| Cabell County West Virginia | 1 | $ 35,000 | $ 35,000 | $ 107,000 |
Mortgage Loan Application Detail Totals for Member One in 2023
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 Improvement | 628 | $42,560,000 | $67,000 | $485,000 | $121,000 | $7,465,000 |
| Other Purpose | 605 | $38,165,000 | $63,000 | $315,000 | $103,000 | $5,664,000 |
| Home Purchase | 493 | $101,785,000 | $206,000 | $1,335,000 | $104,000 | $700,000 |
| Refinancing | 237 | $26,915,000 | $113,000 | $805,000 | $105,000 | $468,000 |
| Cash-out Refinancing | 78 | $18,640,000 | $238,000 | $1,985,000 | $85,000 | $120,000 |
| Not Applicable | 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 | 1,621 | $169,095,000 | $104,000 | $945,000 | $105,000 | $4,529,000 |
| Black or African American | 163 | $15,125,000 | $92,000 | $505,000 | $75,000 | $330,000 |
| Not applicable | 107 | $26,045,000 | $243,000 | $1,985,000 | $0 | $0 |
| Not Provided | 75 | $8,655,000 | $115,000 | $1,005,000 | $279,000 | $7,465,000 |
| Hispanic | 50 | $6,220,000 | $124,000 | $405,000 | $108,000 | $1,113,000 |
| Asian | 18 | $2,350,000 | $130,000 | $355,000 | $76,000 | $132,000 |
| American Indian or Alaskan Native | 6 | $500,000 | $83,000 | $205,000 | $106,000 | $264,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $75,000 | $75,000 | $75,000 | $47,000 | $47,000 |
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) | 2,035 | $226,955,000 | $111,000 | $1,985,000 | $109,000 | $7,465,000 |
| FHA-insured (Federal Housing Administration) | 5 | $935,000 | $187,000 | $285,000 | $97,000 | $124,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $175,000 | $175,000 | $175,000 | $46,000 | $46,000 |
| VA-guaranteed (Veterans Administration) | 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 | 1,174 | $137,060,000 | $116,000 | $1,985,000 | $115,000 | $5,664,000 |
| Application Denied By Financial Institution | 738 | $75,360,000 | $102,000 | $1,005,000 | $105,000 | $7,465,000 |
| Application Withdrawn By Applicant | 95 | $13,555,000 | $142,000 | $775,000 | $90,000 | $350,000 |
| Application Approved But Not Accepted | 34 | $2,090,000 | $61,000 | $155,000 | $96,000 | $282,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,303 | $152,705,000 | $117,000 | $1,985,000 | $112,000 | $5,664,000 |
| Credit History | 258 | $30,200,000 | $117,000 | $1,005,000 | $86,000 | $660,000 |
| Credit Application Incomplete | 224 | $15,950,000 | $71,000 | $335,000 | $140,000 | $7,465,000 |
| Debt-To-Income Ratio | 172 | $19,130,000 | $111,000 | $485,000 | $85,000 | $4,529,000 |
| Collateral | 44 | $4,380,000 | $99,000 | $555,000 | $117,000 | $436,000 |
| Other | 30 | $4,170,000 | $139,000 | $485,000 | $101,000 | $254,000 |
| Employment History | 7 | $885,000 | $126,000 | $275,000 | $75,000 | $139,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $645,000 | $215,000 | $465,000 | $50,000 | $56,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Member One's 2023 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.