Monarch Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Monarch Bank 2012 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 | Monarch Bank 1435 Crossways Boulevard, Suite 101 Chesapeake, VA 23320 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 12,176 |
| Total Mortgage Loan Application Amount | $3,234,549,000 |
| Average Mortgage Loan Application Amount | $248,333 |
| Highest Mortgage Loan Application Amount | $1,920,000 |
| Average Applicant Income | $93,666 |
| Highest Applicant Income | $5,044,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Monarch Bank. 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 Monarch Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Monarch Bank'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 Monarch Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Monarch Bank, 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 Monarch Bank's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Virginia Beach County Virginia | 1,565 | $ 406,509,000 | $ 259,000 | $ 85,000 |
| Montgomery County Maryland | 918 | $ 321,913,000 | $ 350,000 | $ 119,000 |
| Fairfax County Virginia | 889 | $ 338,889,000 | $ 381,000 | $ 121,000 |
| Prince George's County Maryland | 777 | $ 180,438,000 | $ 232,000 | $ 70,000 |
| Chesapeake County Virginia | 737 | $ 180,697,000 | $ 245,000 | $ 80,000 |
| Anne Arundel County Maryland | 462 | $ 143,877,000 | $ 311,000 | $ 91,000 |
| Norfolk County Virginia | 449 | $ 91,757,000 | $ 204,000 | $ 91,000 |
| Prince William County Virginia | 408 | $ 115,359,000 | $ 282,000 | $ 75,000 |
| Mecklenburg County North Carolina | 360 | $ 56,526,000 | $ 157,000 | $ 73,000 |
| Charles County Maryland | 345 | $ 95,083,000 | $ 275,000 | $ 79,000 |
| District of Columbia County District Of Columbia | 304 | $ 118,303,000 | $ 389,000 | $ 110,000 |
| Frederick County Maryland | 232 | $ 60,016,000 | $ 258,000 | $ 82,000 |
| New Hanover County North Carolina | 202 | $ 33,363,000 | $ 165,000 | $ 75,000 |
| Loudoun County Virginia | 200 | $ 72,793,000 | $ 363,000 | $ 104,000 |
| St. Mary's County Maryland | 199 | $ 52,544,000 | $ 264,000 | $ 92,000 |
| Chesterfield County Virginia | 198 | $ 39,114,000 | $ 197,000 | $ 80,000 |
| Calvert County Maryland | 179 | $ 54,809,000 | $ 306,000 | $ 83,000 |
| Henrico County Virginia | 173 | $ 33,169,000 | $ 191,000 | $ 84,000 |
| Dare County North Carolina | 170 | $ 43,742,000 | $ 257,000 | $ 138,000 |
| Howard County Maryland | 161 | $ 58,519,000 | $ 363,000 | $ 94,000 |
| Union County North Carolina | 148 | $ 27,284,000 | $ 184,000 | $ 75,000 |
| Alexandria County Virginia | 142 | $ 56,465,000 | $ 397,000 | $ 169,000 |
| Suffolk County Virginia | 136 | $ 31,965,000 | $ 235,000 | $ 76,000 |
| Arlington County Virginia | 130 | $ 56,125,000 | $ 431,000 | $ 131,000 |
| Portsmouth County Virginia | 118 | $ 17,105,000 | $ 144,000 | $ 55,000 |
| Baltimore County Maryland | 115 | $ 23,698,000 | $ 206,000 | $ 94,000 |
| Onslow County North Carolina | 104 | $ 20,300,000 | $ 195,000 | $ 42,000 |
| Brunswick County North Carolina | 97 | $ 16,717,000 | $ 172,000 | $ 74,000 |
| Carroll County Maryland | 96 | $ 25,787,000 | $ 268,000 | $ 91,000 |
| Richmond City County Virginia | 94 | $ 16,720,000 | $ 177,000 | $ 92,000 |
| Stafford County Virginia | 84 | $ 24,746,000 | $ 294,000 | $ 88,000 |
| Currituck County North Carolina | 81 | $ 20,150,000 | $ 248,000 | $ 146,000 |
| Iredell County North Carolina | 70 | $ 12,531,000 | $ 179,000 | $ 69,000 |
| York County South Carolina | 70 | $ 12,901,000 | $ 184,000 | $ 69,000 |
| Queen Anne's County Maryland | 65 | $ 17,985,000 | $ 276,000 | $ 97,000 |
| Hampton County Virginia | 62 | $ 11,623,000 | $ 187,000 | $ 64,000 |
| Newport News County Virginia | 60 | $ 10,819,000 | $ 180,000 | $ 57,000 |
| Spotsylvania County Virginia | 52 | $ 12,967,000 | $ 249,000 | $ 86,000 |
| Hanover County Virginia | 49 | $ 10,500,000 | $ 214,000 | $ 101,000 |
| Cabarrus County North Carolina | 47 | $ 6,833,000 | $ 145,000 | $ 66,000 |
| Pender County North Carolina | 47 | $ 10,220,000 | $ 217,000 | $ 87,000 |
| Harnett County North Carolina | 46 | $ 9,366,000 | $ 203,000 | $ 73,000 |
| Harford County Maryland | 45 | $ 12,436,000 | $ 276,000 | $ 79,000 |
| Pasquotank County North Carolina | 45 | $ 7,795,000 | $ 173,000 | $ 62,000 |
| King George County Virginia | 42 | $ 10,435,000 | $ 248,000 | $ 90,000 |
| Fauquier County Virginia | 37 | $ 10,019,000 | $ 270,000 | $ 80,000 |
| Baltimore City County Maryland | 35 | $ 6,087,000 | $ 173,000 | $ 94,000 |
| Lancaster County South Carolina | 35 | $ 6,328,000 | $ 180,000 | $ 69,000 |
| Washington County Maryland | 33 | $ 5,750,000 | $ 174,000 | $ 58,000 |
| Manassas County Virginia | 32 | $ 5,960,000 | $ 186,000 | $ 67,000 |
| Manassas Park County Virginia | 32 | $ 5,750,000 | $ 179,000 | $ 55,000 |
| Cecil County Maryland | 31 | $ 9,211,000 | $ 297,000 | $ 97,000 |
| Sussex County Delaware | 30 | $ 8,295,000 | $ 276,000 | $ 207,000 |
| Stanly County North Carolina | 30 | $ 3,579,000 | $ 119,000 | $ 51,000 |
| James City County Virginia | 30 | $ 7,061,000 | $ 235,000 | $ 112,000 |
| Gaston County North Carolina | 28 | $ 4,282,000 | $ 152,000 | $ 71,000 |
| York County Virginia | 26 | $ 6,048,000 | $ 232,000 | $ 39,000 |
| Greenwood County South Carolina | 24 | $ 3,067,000 | $ 127,000 | $ 54,000 |
| Isle of Wight County Virginia | 24 | $ 6,062,000 | $ 252,000 | $ 97,000 |
| Worcester County Maryland | 22 | $ 5,241,000 | $ 238,000 | $ 148,000 |
| Rowan County North Carolina | 21 | $ 3,762,000 | $ 179,000 | $ 84,000 |
| Wake County North Carolina | 20 | $ 4,281,000 | $ 214,000 | $ 79,000 |
| Camden County North Carolina | 18 | $ 3,808,000 | $ 211,000 | $ 69,000 |
| Fairfax City County Virginia | 18 | $ 7,538,000 | $ 418,000 | $ 87,000 |
| Powhatan County Virginia | 18 | $ 4,927,000 | $ 273,000 | $ 119,000 |
| Henderson County North Carolina | 17 | $ 2,525,000 | $ 148,000 | $ 71,000 |
| Lincoln County North Carolina | 17 | $ 3,642,000 | $ 214,000 | $ 142,000 |
| Kent County Delaware | 15 | $ 3,930,000 | $ 262,000 | $ 88,000 |
| Johnston County North Carolina | 14 | $ 2,436,000 | $ 174,000 | $ 51,000 |
| Caroline County Virginia | 14 | $ 2,506,000 | $ 179,000 | $ 64,000 |
| Orange County Virginia | 14 | $ 3,270,000 | $ 233,000 | $ 75,000 |
| Talbot County Maryland | 13 | $ 4,265,000 | $ 328,000 | $ 121,000 |
| Granville County North Carolina | 13 | $ 2,127,000 | $ 163,000 | $ 60,000 |
| Abbeville County South Carolina | 11 | $ 1,493,000 | $ 135,000 | $ 57,000 |
| Westmoreland County Virginia | 11 | $ 2,659,000 | $ 241,000 | $ 154,000 |
| Catawba County North Carolina | 10 | $ 2,560,000 | $ 256,000 | $ 79,000 |
| York County Pennsylvania | 10 | $ 2,107,000 | $ 210,000 | $ 49,000 |
| Horry County South Carolina | 10 | $ 1,463,000 | $ 146,000 | $ 93,000 |
| Culpeper County Virginia | 10 | $ 2,229,000 | $ 222,000 | $ 65,000 |
| Warren County Virginia | 10 | $ 2,094,000 | $ 209,000 | $ 66,000 |
| Caroline County Maryland | 9 | $ 1,629,000 | $ 181,000 | $ 75,000 |
| Falls Church County Virginia | 9 | $ 3,335,000 | $ 370,000 | $ 165,000 |
| Goochland County Virginia | 9 | $ 1,879,000 | $ 208,000 | $ 125,000 |
| Middlesex County Virginia | 9 | $ 2,005,000 | $ 222,000 | $ 128,000 |
| New Kent County Virginia | 9 | $ 2,138,000 | $ 237,000 | $ 94,000 |
| Prince George County Virginia | 9 | $ 1,561,000 | $ 173,000 | $ 61,000 |
| New Castle County Delaware | 8 | $ 2,012,000 | $ 251,000 | $ 39,000 |
| Buncombe County North Carolina | 8 | $ 1,171,000 | $ 146,000 | $ 105,000 |
| Columbus County North Carolina | 8 | $ 1,590,000 | $ 198,000 | $ 83,000 |
| Moore County North Carolina | 8 | $ 1,345,000 | $ 168,000 | $ 54,000 |
| Adams County Pennsylvania | 8 | $ 1,346,000 | $ 168,000 | $ 64,000 |
| Charleston County South Carolina | 8 | $ 2,003,000 | $ 250,000 | $ 74,000 |
| Gloucester County Virginia | 8 | $ 2,530,000 | $ 316,000 | $ 57,000 |
| Garrett County Maryland | 7 | $ 2,121,000 | $ 303,000 | $ 186,000 |
| Davidson County North Carolina | 7 | $ 1,904,000 | $ 272,000 | $ 97,000 |
| Franklin County North Carolina | 7 | $ 1,191,000 | $ 170,000 | $ 73,000 |
| Gates County North Carolina | 7 | $ 1,126,000 | $ 160,000 | $ 45,000 |
| Amelia County Virginia | 7 | $ 1,327,000 | $ 189,000 | $ 55,000 |
| Franklin City County Virginia | 7 | $ 792,000 | $ 113,000 | $ 63,000 |
| Carteret County North Carolina | 6 | $ 1,781,000 | $ 296,000 | $ 347,000 |
| Guilford County North Carolina | 6 | $ 1,024,000 | $ 170,000 | $ 86,000 |
| Pitt County North Carolina | 6 | $ 1,429,000 | $ 238,000 | $ 99,000 |
| Polk County North Carolina | 6 | $ 820,000 | $ 136,000 | $ 81,000 |
| Franklin County Pennsylvania | 6 | $ 1,081,000 | $ 180,000 | $ 89,000 |
| Beaufort County South Carolina | 6 | $ 1,610,000 | $ 268,000 | $ 124,000 |
| Greenville County South Carolina | 6 | $ 1,141,000 | $ 190,000 | $ 71,000 |
| Essex County Virginia | 6 | $ 999,000 | $ 166,000 | $ 81,000 |
| Northampton County Virginia | 6 | $ 1,277,000 | $ 212,000 | $ 143,000 |
| Southampton County Virginia | 6 | $ 979,000 | $ 163,000 | $ 56,000 |
| Dorchester County Maryland | 5 | $ 998,000 | $ 199,000 | $ 102,000 |
| Craven County North Carolina | 5 | $ 1,074,000 | $ 214,000 | $ 35,000 |
| Durham County North Carolina | 5 | $ 1,211,000 | $ 242,000 | $ 126,000 |
| Hyde County North Carolina | 5 | $ 839,000 | $ 167,000 | $ 85,000 |
| Montgomery County North Carolina | 5 | $ 555,000 | $ 111,000 | $ 55,000 |
| Perquimans County North Carolina | 5 | $ 790,000 | $ 158,000 | $ 99,000 |
| Bucks County Pennsylvania | 5 | $ 1,321,000 | $ 264,000 | $ 37,000 |
| Accomack County Virginia | 5 | $ 973,000 | $ 194,000 | $ 254,000 |
| Charles City County Virginia | 5 | $ 644,000 | $ 128,000 | $ 49,000 |
| Fredericksburg County Virginia | 5 | $ 1,203,000 | $ 240,000 | $ 62,000 |
| Hopewell County Virginia | 5 | $ 811,000 | $ 162,000 | $ 72,000 |
| Lancaster County Virginia | 5 | $ 2,025,000 | $ 405,000 | $ 286,000 |
| Allegany County Maryland | 4 | $ 602,000 | $ 150,000 | $ 188,000 |
| Forsyth County North Carolina | 4 | $ 511,000 | $ 127,000 | $ 57,000 |
| Berkeley County South Carolina | 4 | $ 473,000 | $ 118,000 | $ 57,000 |
| Spartanburg County South Carolina | 4 | $ 649,000 | $ 162,000 | $ 60,000 |
| Colonial Heights County Virginia | 4 | $ 348,000 | $ 87,000 | $ 64,000 |
| Frederick County Virginia | 4 | $ 884,000 | $ 221,000 | $ 61,000 |
| King William County Virginia | 4 | $ 843,000 | $ 210,000 | $ 79,000 |
| Mecklenburg County Virginia | 4 | $ 867,000 | $ 216,000 | $ 96,000 |
| Nelson County Virginia | 4 | $ 839,000 | $ 209,000 | $ 190,000 |
| Poquoson County Virginia | 4 | $ 1,761,000 | $ 440,000 | $ 166,000 |
| Berkeley County West Virginia | 4 | $ 882,000 | $ 220,000 | $ 69,000 |
| Cleveland County North Carolina | 3 | $ 386,000 | $ 128,000 | $ 52,000 |
| Cumberland County North Carolina | 3 | $ 633,000 | $ 211,000 | $ 53,000 |
| Hoke County North Carolina | 3 | $ 477,000 | $ 159,000 | $ 37,000 |
| Montgomery County Pennsylvania | 3 | $ 1,680,000 | $ 560,000 | $ 156,000 |
| Philadelphia County Pennsylvania | 3 | $ 682,000 | $ 227,000 | $ 138,000 |
| Richland County South Carolina | 3 | $ 659,000 | $ 219,000 | $ 112,000 |
| Dinwiddie County Virginia | 3 | $ 367,000 | $ 122,000 | $ 31,000 |
| Louisa County Virginia | 3 | $ 756,000 | $ 252,000 | $ 65,000 |
| Montgomery County Virginia | 3 | $ 491,000 | $ 163,000 | $ 346,000 |
| Roanoke County Virginia | 3 | $ 404,000 | $ 134,000 | $ 58,000 |
| Jefferson County West Virginia | 3 | $ 509,000 | $ 169,000 | $ 68,000 |
| Bladen County North Carolina | 2 | $ 302,000 | $ 151,000 | $ 63,000 |
| Burke County North Carolina | 2 | $ 324,000 | $ 162,000 | $ 84,000 |
| Chowan County North Carolina | 2 | $ 362,000 | $ 181,000 | $ 120,000 |
| Duplin County North Carolina | 2 | $ 261,000 | $ 130,000 | $ 14,000 |
| Halifax County North Carolina | 2 | $ 153,000 | $ 76,000 | $ 125,000 |
| Hertford County North Carolina | 2 | $ 116,000 | $ 58,000 | $ 24,000 |
| Madison County North Carolina | 2 | $ 159,000 | $ 79,000 | $ 87,000 |
| Rutherford County North Carolina | 2 | $ 986,000 | $ 493,000 | $ 133,000 |
| Warren County North Carolina | 2 | $ 544,000 | $ 272,000 | $ 374,000 |
| Wayne County North Carolina | 2 | $ 220,000 | $ 110,000 | $ 17,000 |
| Yancey County North Carolina | 2 | $ 261,000 | $ 130,000 | $ 103,000 |
| Allegheny County Pennsylvania | 2 | $ 245,000 | $ 122,000 | $ 91,000 |
| Beaver County Pennsylvania | 2 | $ 280,000 | $ 140,000 | $ 82,000 |
| Cumberland County Pennsylvania | 2 | $ 460,000 | $ 230,000 | $ 68,000 |
| Luzerne County Pennsylvania | 2 | $ 564,000 | $ 282,000 | $ 84,000 |
| Mercer County Pennsylvania | 2 | $ 650,000 | $ 325,000 | $ 0 |
| Westmoreland County Pennsylvania | 2 | $ 829,000 | $ 414,000 | $ 0 |
| Cherokee County South Carolina | 2 | $ 195,000 | $ 97,000 | $ 38,000 |
| Chesterfield County South Carolina | 2 | $ 234,000 | $ 117,000 | $ 45,000 |
| Georgetown County South Carolina | 2 | $ 687,000 | $ 343,000 | $ 248,000 |
| Oconee County South Carolina | 2 | $ 653,000 | $ 326,000 | $ 100,000 |
| Bedford County Virginia | 2 | $ 971,000 | $ 485,000 | $ 104,000 |
| Clarke County Virginia | 2 | $ 447,000 | $ 223,000 | $ 176,000 |
| Cumberland County Virginia | 2 | $ 271,000 | $ 135,000 | $ 66,000 |
| Fluvanna County Virginia | 2 | $ 662,000 | $ 331,000 | $ 334,000 |
| Greene County Virginia | 2 | $ 561,000 | $ 280,000 | $ 117,000 |
| King and Queen County Virginia | 2 | $ 246,000 | $ 123,000 | $ 40,000 |
| Northumberland County Virginia | 2 | $ 525,000 | $ 262,000 | $ 153,000 |
| Shenandoah County Virginia | 2 | $ 296,000 | $ 148,000 | $ 87,000 |
| Sussex County Virginia | 2 | $ 103,000 | $ 51,000 | $ 57,000 |
| Williamsburg County Virginia | 2 | $ 278,000 | $ 139,000 | $ 75,000 |
| Kanawha County West Virginia | 2 | $ 286,000 | $ 143,000 | $ 71,000 |
| Kent County Maryland | 1 | $ 181,000 | $ 181,000 | $ 42,000 |
| Alamance County North Carolina | 1 | $ 122,000 | $ 122,000 | $ 77,000 |
| Anson County North Carolina | 1 | $ 56,000 | $ 56,000 | $ 24,000 |
| Beaufort County North Carolina | 1 | $ 184,000 | $ 184,000 | $ 77,000 |
| Bertie County North Carolina | 1 | $ 88,000 | $ 88,000 | $ 20,000 |
| Davie County North Carolina | 1 | $ 168,000 | $ 168,000 | $ 88,000 |
| Haywood County North Carolina | 1 | $ 213,000 | $ 213,000 | $ 96,000 |
| Jackson County North Carolina | 1 | $ 107,000 | $ 107,000 | $ 70,000 |
| Jones County North Carolina | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Mitchell County North Carolina | 1 | $ 94,000 | $ 94,000 | $ 107,000 |
| Orange County North Carolina | 1 | $ 350,000 | $ 350,000 | $ 240,000 |
| Pamlico County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 61,000 |
| Randolph County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 71,000 |
| Rockingham County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 36,000 |
| Sampson County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 281,000 |
| Swain County North Carolina | 1 | $ 343,000 | $ 343,000 | $ 180,000 |
| Transylvania County North Carolina | 1 | $ 388,000 | $ 388,000 | $ 170,000 |
| Wilson County North Carolina | 1 | $ 56,000 | $ 56,000 | $ 41,000 |
| Butler County Pennsylvania | 1 | $ 196,000 | $ 196,000 | $ 145,000 |
| Centre County Pennsylvania | 1 | $ 250,000 | $ 250,000 | $ 225,000 |
| Chester County Pennsylvania | 1 | $ 248,000 | $ 248,000 | $ 182,000 |
| Delaware County Pennsylvania | 1 | $ 409,000 | $ 409,000 | $ 300,000 |
| Fulton County Pennsylvania | 1 | $ 242,000 | $ 242,000 | $ 116,000 |
| Lancaster County Pennsylvania | 1 | $ 124,000 | $ 124,000 | $ 271,000 |
| Monroe County Pennsylvania | 1 | $ 252,000 | $ 252,000 | $ 469,000 |
| Northampton County Pennsylvania | 1 | $ 614,000 | $ 614,000 | $ 229,000 |
| Aiken County South Carolina | 1 | $ 121,000 | $ 121,000 | $ 90,000 |
| Chester County South Carolina | 1 | $ 140,000 | $ 140,000 | $ 84,000 |
| Darlington County South Carolina | 1 | $ 189,000 | $ 189,000 | $ 72,000 |
| Dorchester County South Carolina | 1 | $ 150,000 | $ 150,000 | $ 112,000 |
| Kershaw County South Carolina | 1 | $ 179,000 | $ 179,000 | $ 69,000 |
| Laurens County South Carolina | 1 | $ 180,000 | $ 180,000 | $ 42,000 |
| Lexington County South Carolina | 1 | $ 166,000 | $ 166,000 | $ 52,000 |
| Newberry County South Carolina | 1 | $ 88,000 | $ 88,000 | $ 49,000 |
| Saluda County South Carolina | 1 | $ 139,000 | $ 139,000 | $ 51,000 |
| Albemarle County Virginia | 1 | $ 340,000 | $ 340,000 | $ 192,000 |
| Amherst County Virginia | 1 | $ 150,000 | $ 150,000 | $ 29,000 |
| Brunswick County Virginia | 1 | $ 118,000 | $ 118,000 | $ 97,000 |
| Campbell County Virginia | 1 | $ 153,000 | $ 153,000 | $ 155,000 |
| Charlottesville County Virginia | 1 | $ 102,000 | $ 102,000 | $ 104,000 |
| Danville County Virginia | 1 | $ 122,000 | $ 122,000 | $ 175,000 |
| Giles County Virginia | 1 | $ 101,000 | $ 101,000 | $ 21,000 |
| Highland County Virginia | 1 | $ 90,000 | $ 90,000 | $ 76,000 |
| Lynchburg County Virginia | 1 | $ 102,000 | $ 102,000 | $ 85,000 |
| Madison County Virginia | 1 | $ 116,000 | $ 116,000 | $ 242,000 |
| Mathews County Virginia | 1 | $ 239,000 | $ 239,000 | $ 283,000 |
| Nottoway County Virginia | 1 | $ 126,000 | $ 126,000 | $ 54,000 |
| Page County Virginia | 1 | $ 171,000 | $ 171,000 | $ 57,000 |
| Petersburg County Virginia | 1 | $ 99,000 | $ 99,000 | $ 1,588,000 |
| Rockbridge County Virginia | 1 | $ 316,000 | $ 316,000 | $ 72,000 |
| Rockingham County Virginia | 1 | $ 235,000 | $ 235,000 | $ 112,000 |
| Smyth County Virginia | 1 | $ 130,000 | $ 130,000 | $ 34,000 |
| Staunton County Virginia | 1 | $ 144,000 | $ 144,000 | $ 53,000 |
| Waynesboro County Virginia | 1 | $ 110,000 | $ 110,000 | $ 52,000 |
| Winchester County Virginia | 1 | $ 200,000 | $ 200,000 | $ 168,000 |
| Mineral County West Virginia | 1 | $ 269,000 | $ 269,000 | $ 190,000 |
| Tucker County West Virginia | 1 | $ 230,000 | $ 230,000 | $ 309,000 |
Mortgage Loan Application Detail Totals for Monarch Bank in 2012
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 | 6,005 | $1,832,171,000 | $305,000 | $1,920,000 | $98,000 | $5,044,000 |
| Home Purchase | 5,878 | $1,339,814,000 | $227,000 | $1,366,000 | $85,000 | $977,000 |
| Home Improvement | 293 | $62,564,000 | $213,000 | $999,000 | $98,000 | $662,000 |
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 | 7,884 | $2,099,100,000 | $266,000 | $1,920,000 | $99,000 | $5,044,000 |
| Black or African American | 1,563 | $358,790,000 | $229,000 | $796,000 | $70,000 | $2,647,000 |
| Not Provided | 1,389 | $437,958,000 | $315,000 | $1,421,000 | $84,000 | $1,440,000 |
| Hispanic | 776 | $179,590,000 | $231,000 | $1,031,000 | $64,000 | $503,000 |
| Asian | 452 | $135,308,000 | $299,000 | $989,000 | $105,000 | $375,000 |
| Not applicable | 52 | $8,793,000 | $169,000 | $658,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 42 | $10,398,000 | $247,000 | $716,000 | $93,000 | $264,000 |
| American Indian or Alaskan Native | 18 | $4,612,000 | $256,000 | $417,000 | $82,000 | $190,000 |
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) | 5,900 | $1,516,225,000 | $256,000 | $1,920,000 | $126,000 | $5,044,000 |
| FHA-insured (Federal Housing Administration) | 3,254 | $738,391,000 | $226,000 | $853,000 | $64,000 | $698,000 |
| VA-guaranteed (Veterans Administration) | 2,577 | $896,968,000 | $348,000 | $965,000 | $53,000 | $1,440,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 445 | $82,965,000 | $186,000 | $416,000 | $55,000 | $128,000 |
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 | 9,733 | $2,672,573,000 | $274,000 | $1,920,000 | $90,000 | $2,852,000 |
| Application Withdrawn By Applicant | 1,054 | $245,898,000 | $233,000 | $1,421,000 | $113,000 | $5,044,000 |
| File Closed For Incompleteness | 609 | $150,603,000 | $247,000 | $1,125,000 | $95,000 | $540,000 |
| Application Denied By Financial Institution | 596 | $121,518,000 | $203,000 | $1,173,000 | $70,000 | $660,000 |
| Application Approved But Not Accepted | 184 | $43,957,000 | $238,000 | $801,000 | $84,000 | $371,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 139 | $30,925,000 | $222,000 | $1,173,000 | $65,000 | $340,000 |
| Debt-To-Income Ratio | 123 | $28,061,000 | $228,000 | $999,000 | $63,000 | $360,000 |
| Other | 106 | $22,432,000 | $211,000 | $840,000 | $84,000 | $660,000 |
| Collateral | 42 | $7,829,000 | $186,000 | $788,000 | $84,000 | $235,000 |
| Employment History | 17 | $2,343,000 | $137,000 | $320,000 | $32,000 | $75,000 |
| Unverifiable Information | 16 | $3,436,000 | $214,000 | $458,000 | $75,000 | $186,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,798,000 | $163,000 | $459,000 | $73,000 | $354,000 |
| Credit Application Incomplete | 4 | $1,119,000 | $279,000 | $496,000 | $154,000 | $214,000 |
| Mortgage Insurance Denied | 2 | $373,000 | $186,000 | $246,000 | $157,000 | $271,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Monarch Bank's 2012 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 Monarch Bank'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.