Metamerica Mortgage Mortgage Lending & HMDA Data, 2009
In 2009, Metamerica Mortgage of Virginia Beach, VA reported 1,361 mortgage applications totaling $212.8 million, up 15% from 2008. The average application was for $156,339, and applicants reported an average income of $38,998. 73% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Virginia Beach-Norfolk-Newport News, VA-NC (509), Richmond, VA (224) and Raleigh-Cary, NC (57) (applications in parentheses).
| Mortgage Company & Address | Metamerica Mortgage 5151 Bonney Road Virginia Beach, VA 23462 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 1,361 |
| Total Mortgage Loan Application Amount | $212,778,000 |
| Average Mortgage Loan Application Amount | $156,339 |
| Highest Mortgage Loan Application Amount | $872,000 |
| Average Applicant Income | $38,998 |
| Highest Applicant Income | $366,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Metamerica Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Virginia Beach, Virginia | 129 | $ 25,203,000 | $ 195,372 | $ 47,000 |
| Chesapeake, Virginia | 75 | $ 13,999,000 | $ 186,653 | $ 44,000 |
| Portsmouth, Virginia | 73 | $ 10,350,000 | $ 141,780 | $ 33,000 |
| Henrico, Virginia | 55 | $ 10,240,000 | $ 186,181 | $ 49,000 |
| Norfolk, Virginia | 52 | $ 8,618,000 | $ 165,730 | $ 27,000 |
| Hampton, Virginia | 46 | $ 7,228,000 | $ 157,130 | $ 32,000 |
| Wake, North Carolina | 45 | $ 6,348,000 | $ 141,066 | $ 33,000 |
| Newport News, Virginia | 44 | $ 7,267,000 | $ 165,159 | $ 35,000 |
| Lee, Florida | 42 | $ 4,748,000 | $ 113,047 | $ 54,000 |
| Suffolk, Virginia | 42 | $ 7,988,000 | $ 190,190 | $ 56,000 |
| Chesterfield, Virginia | 39 | $ 7,320,000 | $ 187,692 | $ 37,000 |
| Richmond City, Virginia | 32 | $ 4,367,000 | $ 136,468 | $ 37,000 |
| Pasquotank, North Carolina | 26 | $ 4,443,000 | $ 170,884 | $ 25,000 |
| Orange, Florida | 20 | $ 3,339,000 | $ 166,950 | $ 89,000 |
| Cumberland, North Carolina | 18 | $ 1,841,000 | $ 102,277 | $ 14,000 |
| Gates, North Carolina | 16 | $ 2,193,000 | $ 137,062 | $ 33,000 |
| Durham, North Carolina | 15 | $ 1,777,000 | $ 118,466 | $ 19,000 |
| Hanover, Virginia | 14 | $ 2,897,000 | $ 206,928 | $ 56,000 |
| Southampton, Virginia | 14 | $ 1,983,000 | $ 141,642 | $ 29,000 |
| Currituck, North Carolina | 13 | $ 2,293,000 | $ 176,384 | $ 26,000 |
| Guilford, North Carolina | 13 | $ 1,392,000 | $ 107,076 | $ 26,000 |
| New Hanover, North Carolina | 13 | $ 2,009,000 | $ 154,538 | $ 38,000 |
| Seminole, Florida | 12 | $ 2,472,000 | $ 206,000 | $ 105,000 |
| Forsyth, North Carolina | 12 | $ 1,288,000 | $ 107,333 | $ 24,000 |
| Petersburg, Virginia | 11 | $ 1,438,000 | $ 130,727 | $ 35,000 |
| Perquimans, North Carolina | 10 | $ 1,409,000 | $ 140,900 | $ 20,000 |
| Johnston, North Carolina | 9 | $ 1,475,000 | $ 163,888 | $ 33,000 |
| Mecklenburg, North Carolina | 9 | $ 1,170,000 | $ 130,000 | $ 23,000 |
| Dinwiddie, Virginia | 9 | $ 1,260,000 | $ 140,000 | $ 42,000 |
| Isle of Wight, Virginia | 9 | $ 1,740,000 | $ 193,333 | $ 55,000 |
| James City, Virginia | 9 | $ 1,513,000 | $ 168,111 | $ 56,000 |
| Louisa, Virginia | 9 | $ 1,481,000 | $ 164,555 | $ 33,000 |
| Volusia, Florida | 8 | $ 1,096,000 | $ 137,000 | $ 47,000 |
| Camden, North Carolina | 8 | $ 1,112,000 | $ 139,000 | $ 27,000 |
| Catawba, North Carolina | 8 | $ 956,000 | $ 119,500 | $ 31,000 |
| Nash, North Carolina | 8 | $ 975,000 | $ 121,875 | $ 32,000 |
| Pitt, North Carolina | 8 | $ 824,000 | $ 103,000 | $ 31,000 |
| Randolph, North Carolina | 8 | $ 870,000 | $ 108,750 | $ 27,000 |
| Accomack, Virginia | 8 | $ 929,000 | $ 116,125 | $ 35,000 |
| Caroline, Virginia | 7 | $ 968,000 | $ 138,285 | $ 17,000 |
| Cumberland, Virginia | 7 | $ 1,221,000 | $ 174,428 | $ 19,000 |
| Essex, Virginia | 7 | $ 843,000 | $ 120,428 | $ 21,000 |
| Gloucester, Virginia | 7 | $ 1,358,000 | $ 194,000 | $ 20,000 |
| Spotsylvania, Virginia | 7 | $ 1,555,000 | $ 222,142 | $ 42,000 |
| Polk, Florida | 6 | $ 942,000 | $ 157,000 | $ 51,000 |
| Cabarrus, North Carolina | 6 | $ 745,000 | $ 124,166 | $ 41,000 |
| Halifax, North Carolina | 6 | $ 628,000 | $ 104,666 | $ 34,000 |
| Moore, North Carolina | 6 | $ 477,000 | $ 79,500 | $ 17,000 |
| Orange, North Carolina | 6 | $ 818,000 | $ 136,333 | $ 36,000 |
| Person, North Carolina | 6 | $ 562,000 | $ 93,666 | $ 0 |
| Rockingham, North Carolina | 6 | $ 553,000 | $ 92,166 | $ 50,000 |
| Wayne, North Carolina | 6 | $ 536,000 | $ 89,333 | $ 26,000 |
| Wilson, North Carolina | 6 | $ 619,000 | $ 103,166 | $ 18,000 |
| Fairfax, Virginia | 6 | $ 923,000 | $ 153,833 | $ 57,000 |
| Northampton, Virginia | 6 | $ 717,000 | $ 119,500 | $ 28,000 |
| Pittsylvania, Virginia | 6 | $ 832,000 | $ 138,666 | $ 43,000 |
| Prince William, Virginia | 6 | $ 1,973,000 | $ 328,833 | $ 82,000 |
| York, Virginia | 6 | $ 1,001,000 | $ 166,833 | $ 37,000 |
| Brevard, Florida | 5 | $ 662,000 | $ 132,400 | $ 61,000 |
| Lake, Florida | 5 | $ 761,000 | $ 152,200 | $ 63,000 |
| Marion, Florida | 5 | $ 373,000 | $ 74,600 | $ 37,000 |
| Chowan, North Carolina | 5 | $ 486,000 | $ 97,200 | $ 9,000 |
| Onslow, North Carolina | 5 | $ 726,000 | $ 145,200 | $ 14,000 |
| Surry, North Carolina | 5 | $ 589,000 | $ 117,800 | $ 26,000 |
| Albemarle, Virginia | 5 | $ 892,000 | $ 178,400 | $ 28,000 |
| Frederick, Virginia | 5 | $ 825,000 | $ 165,000 | $ 29,000 |
| King and Queen, Virginia | 5 | $ 618,000 | $ 123,600 | $ 35,000 |
| New Kent, Virginia | 5 | $ 1,121,000 | $ 224,200 | $ 44,000 |
| Powhatan, Virginia | 5 | $ 932,000 | $ 186,400 | $ 49,000 |
| Prince Edward, Virginia | 5 | $ 567,000 | $ 113,400 | $ 31,000 |
| Dare, North Carolina | 4 | $ 869,000 | $ 217,250 | $ 42,000 |
| Gaston, North Carolina | 4 | $ 267,000 | $ 66,750 | $ 37,000 |
| Harnett, North Carolina | 4 | $ 256,000 | $ 64,000 | $ 29,000 |
| Hertford, North Carolina | 4 | $ 423,000 | $ 105,750 | $ 8,000 |
| Amelia, Virginia | 4 | $ 586,000 | $ 146,500 | $ 45,000 |
| Hopewell, Virginia | 4 | $ 470,000 | $ 117,500 | $ 42,000 |
| Orange, Virginia | 4 | $ 675,000 | $ 168,750 | $ 19,000 |
| Richmond, Virginia | 4 | $ 498,000 | $ 124,500 | $ 44,000 |
| Sussex, Virginia | 4 | $ 551,000 | $ 137,750 | $ 23,000 |
| Hillsborough, Florida | 3 | $ 328,000 | $ 109,333 | $ 38,000 |
| Sarasota, Florida | 3 | $ 519,000 | $ 173,000 | $ 40,000 |
| Alamance, North Carolina | 3 | $ 277,000 | $ 92,333 | $ 37,000 |
| Burke, North Carolina | 3 | $ 380,000 | $ 126,666 | $ 27,000 |
| Franklin, North Carolina | 3 | $ 390,000 | $ 130,000 | $ 11,000 |
| Iredell, North Carolina | 3 | $ 267,000 | $ 89,000 | $ 19,000 |
| Rowan, North Carolina | 3 | $ 392,000 | $ 130,666 | $ 12,000 |
| Union, North Carolina | 3 | $ 393,000 | $ 131,000 | $ 43,000 |
| Washington, North Carolina | 3 | $ 211,000 | $ 70,333 | $ 27,000 |
| Augusta, Virginia | 3 | $ 533,000 | $ 177,666 | $ 16,000 |
| Charles City, Virginia | 3 | $ 343,000 | $ 114,333 | $ 53,000 |
| Colonial Heights, Virginia | 3 | $ 451,000 | $ 150,333 | $ 0 |
| Fluvanna, Virginia | 3 | $ 412,000 | $ 137,333 | $ 24,000 |
| Franklin City, Virginia | 3 | $ 529,000 | $ 176,333 | $ 47,000 |
| King George, Virginia | 3 | $ 830,000 | $ 276,666 | $ 64,000 |
| King William, Virginia | 3 | $ 552,000 | $ 184,000 | $ 33,000 |
| Mecklenburg, Virginia | 3 | $ 270,000 | $ 90,000 | $ 6,000 |
| Middlesex, Virginia | 3 | $ 349,000 | $ 116,333 | $ 21,000 |
| Prince George, Virginia | 3 | $ 700,000 | $ 233,333 | $ 71,000 |
| Rockingham, Virginia | 3 | $ 588,000 | $ 196,000 | $ 23,000 |
| Surry, Virginia | 3 | $ 379,000 | $ 126,333 | $ 36,000 |
| Westmoreland, Virginia | 3 | $ 534,000 | $ 178,000 | $ 112,000 |
| Broward, Florida | 2 | $ 235,000 | $ 117,500 | $ 58,000 |
| Duval, Florida | 2 | $ 553,000 | $ 276,500 | $ 19,000 |
| Nassau, Florida | 2 | $ 199,000 | $ 99,500 | $ 41,000 |
| Osceola, Florida | 2 | $ 364,000 | $ 182,000 | $ 53,000 |
| Bertie, North Carolina | 2 | $ 188,000 | $ 94,000 | $ 21,000 |
| Caldwell, North Carolina | 2 | $ 186,000 | $ 93,000 | $ 12,000 |
| Cleveland, North Carolina | 2 | $ 195,000 | $ 97,500 | $ 15,000 |
| Edgecombe, North Carolina | 2 | $ 153,000 | $ 76,500 | $ 16,000 |
| Lee, North Carolina | 2 | $ 187,000 | $ 93,500 | $ 36,000 |
| Martin, North Carolina | 2 | $ 309,000 | $ 154,500 | $ 60,000 |
| Buckingham, Virginia | 2 | $ 200,000 | $ 100,000 | $ 16,000 |
| Campbell, Virginia | 2 | $ 170,000 | $ 85,000 | $ 17,000 |
| Culpeper, Virginia | 2 | $ 302,000 | $ 151,000 | $ 60,000 |
| Goochland, Virginia | 2 | $ 1,047,000 | $ 523,500 | $ 140,000 |
| Greensville, Virginia | 2 | $ 303,000 | $ 151,500 | $ 46,000 |
| Halifax, Virginia | 2 | $ 124,000 | $ 62,000 | $ 10,000 |
| Lunenburg, Virginia | 2 | $ 169,000 | $ 84,500 | $ 20,000 |
| Nottoway, Virginia | 2 | $ 236,000 | $ 118,000 | $ 57,000 |
| Page, Virginia | 2 | $ 308,000 | $ 154,000 | $ 43,000 |
| Shenandoah, Virginia | 2 | $ 276,000 | $ 138,000 | $ 53,000 |
| Stafford, Virginia | 2 | $ 439,000 | $ 219,500 | $ 70,000 |
| Waynesboro, Virginia | 2 | $ 254,000 | $ 127,000 | $ 41,000 |
| Clay, Florida | 1 | $ 190,000 | $ 190,000 | $ 64,000 |
| Leon, Florida | 1 | $ 143,000 | $ 143,000 | $ 106,000 |
| Manatee, Florida | 1 | $ 160,000 | $ 160,000 | $ 98,000 |
| Palm Beach, Florida | 1 | $ 236,000 | $ 236,000 | $ 90,000 |
| Pasco, Florida | 1 | $ 72,000 | $ 72,000 | $ 57,000 |
| Pinellas, Florida | 1 | $ 62,000 | $ 62,000 | $ 20,000 |
| St. Johns, Florida | 1 | $ 69,000 | $ 69,000 | $ 17,000 |
| Washington, Florida | 1 | $ 57,000 | $ 57,000 | $ 14,000 |
| Beaufort, North Carolina | 1 | $ 93,000 | $ 93,000 | $ 43,000 |
| Bladen, North Carolina | 1 | $ 109,000 | $ 109,000 | $ 38,000 |
| Buncombe, North Carolina | 1 | $ 153,000 | $ 153,000 | $ 34,000 |
| Carteret, North Carolina | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Chatham, North Carolina | 1 | $ 134,000 | $ 134,000 | $ 54,000 |
| Columbus, North Carolina | 1 | $ 206,000 | $ 206,000 | $ 55,000 |
| Craven, North Carolina | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Davidson, North Carolina | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Davie, North Carolina | 1 | $ 101,000 | $ 101,000 | $ 23,000 |
| Duplin, North Carolina | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Macon, North Carolina | 1 | $ 437,000 | $ 437,000 | $ 12,000 |
| Montgomery, North Carolina | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Northampton, North Carolina | 1 | $ 94,000 | $ 94,000 | $ 37,000 |
| Pamlico, North Carolina | 1 | $ 88,000 | $ 88,000 | $ 36,000 |
| Pender, North Carolina | 1 | $ 157,000 | $ 157,000 | $ 44,000 |
| Polk, North Carolina | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Sampson, North Carolina | 1 | $ 207,000 | $ 207,000 | $ 49,000 |
| Warren, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Wilkes, North Carolina | 1 | $ 116,000 | $ 116,000 | $ 18,000 |
| Yadkin, North Carolina | 1 | $ 63,000 | $ 63,000 | $ 0 |
| Alleghany, Virginia | 1 | $ 116,000 | $ 116,000 | $ 39,000 |
| Amherst, Virginia | 1 | $ 114,000 | $ 114,000 | $ 51,000 |
| Bristol, Virginia | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Charlotte, Virginia | 1 | $ 123,000 | $ 123,000 | $ 33,000 |
| Charlottesville, Virginia | 1 | $ 132,000 | $ 132,000 | $ 50,000 |
| Covington, Virginia | 1 | $ 84,000 | $ 84,000 | $ 23,000 |
| Falls Church, Virginia | 1 | $ 525,000 | $ 525,000 | $ 180,000 |
| Fauquier, Virginia | 1 | $ 179,000 | $ 179,000 | $ 109,000 |
| Franklin, Virginia | 1 | $ 62,000 | $ 62,000 | $ 48,000 |
| Greene, Virginia | 1 | $ 65,000 | $ 65,000 | $ 17,000 |
| Harrisonburg, Virginia | 1 | $ 233,000 | $ 233,000 | $ 50,000 |
| Loudoun, Virginia | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Lynchburg, Virginia | 1 | $ 161,000 | $ 161,000 | $ 75,000 |
| Mathews, Virginia | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Nelson, Virginia | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Winchester, Virginia | 1 | $ 104,000 | $ 104,000 | $ 21,000 |
Mortgage Loan Application Detail Totals for Metamerica Mortgage in 2009
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 | 1,201 | $189,778,000 | $158,000 | $872,000 | $37,000 | $366,000 |
| Home Purchase | 160 | $23,000,000 | $143,000 | $377,000 | $54,000 | $288,000 |
| 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 | 751 | $122,164,000 | $162,000 | $872,000 | $43,000 | $300,000 |
| Black or African American | 561 | $82,593,000 | $147,000 | $560,000 | $33,000 | $366,000 |
| Hispanic | 33 | $4,667,000 | $141,000 | $280,000 | $31,000 | $159,000 |
| Asian | 13 | $3,010,000 | $231,000 | $525,000 | $69,000 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $260,000 | $130,000 | $170,000 | $39,000 | $48,000 |
| American Indian or Alaskan Native | 1 | $84,000 | $84,000 | $84,000 | $23,000 | $23,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 1,097 | $169,898,000 | $154,000 | $638,000 | $33,000 | $237,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 253 | $40,176,000 | $158,000 | $872,000 | $62,000 | $366,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,704,000 | $245,000 | $420,000 | $59,000 | $165,000 |
| 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 | 999 | $155,045,000 | $155,000 | $560,000 | $39,000 | $366,000 |
| Application Withdrawn By Applicant | 280 | $45,346,000 | $161,000 | $872,000 | $38,000 | $280,000 |
| Application Approved But Not Accepted | 39 | $5,769,000 | $147,000 | $346,000 | $30,000 | $99,000 |
| Application Denied By Financial Institution | 28 | $4,601,000 | $164,000 | $416,000 | $46,000 | $182,000 |
| File Closed For Incompleteness | 15 | $2,017,000 | $134,000 | $197,000 | $36,000 | $80,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 11 | $1,872,000 | $170,000 | $416,000 | $47,000 | $165,000 |
| Credit History | 6 | $1,037,000 | $172,000 | $269,000 | $33,000 | $69,000 |
| Debt-To-Income Ratio | 2 | $276,000 | $138,000 | $150,000 | $51,000 | $69,000 |
| Employment History | 1 | $141,000 | $141,000 | $141,000 | $41,000 | $41,000 |
| Unverifiable Information | 1 | $77,000 | $77,000 | $77,000 | $27,000 | $27,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Metamerica Mortgage's 2009 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 Metamerica Mortgage'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.
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with aggregated HMDA statistics today.
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