Resource Bank Mortgage Lending & HMDA Data, 2005
In 2005, Resource Bank of Virginia Beach, VA reported 10,442 mortgage applications totaling $1.9 billion, up 4% from 2004. The average application was for $178,909, and applicants reported an average income of $85,110. 80% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Virginia Beach-Norfolk-Newport News, VA-NC (3,134), Bethesda-Frederick-Gaithersburg, MD (884) and Richmond, VA (839) (applications in parentheses).
| Mortgage Company & Address | Resource Bank 4429 Bonney Road Virginia Beach, VA 23462 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 10,442 |
| Total Mortgage Loan Application Amount | $1,868,172,000 |
| Average Mortgage Loan Application Amount | $178,909 |
| Highest Mortgage Loan Application Amount | $2,535,000 |
| Average Applicant Income | $85,110 |
| Highest Applicant Income | $3,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Resource Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,348 | $ 277,153,000 | $ 205,603 | $ 82,000 |
| Montgomery, Maryland | 782 | $ 167,812,000 | $ 214,593 | $ 120,000 |
| Prince George's, Maryland | 781 | $ 127,576,000 | $ 163,349 | $ 85,000 |
| Fairfax, Virginia | 611 | $ 130,869,000 | $ 214,188 | $ 141,000 |
| Prince William, Virginia | 557 | $ 101,961,000 | $ 183,053 | $ 122,000 |
| Chesapeake, Virginia | 499 | $ 94,417,000 | $ 189,212 | $ 67,000 |
| Norfolk, Virginia | 358 | $ 62,794,000 | $ 175,402 | $ 75,000 |
| Chesterfield, Virginia | 295 | $ 45,342,000 | $ 153,701 | $ 67,000 |
| Henrico, Virginia | 223 | $ 39,740,000 | $ 178,206 | $ 81,000 |
| Loudoun, Virginia | 219 | $ 45,467,000 | $ 207,611 | $ 121,000 |
| Charles, Maryland | 199 | $ 44,203,000 | $ 222,125 | $ 92,000 |
| District of Columbia, District Of Columbia | 192 | $ 39,553,000 | $ 206,005 | $ 119,000 |
| Newport News, Virginia | 185 | $ 27,100,000 | $ 146,486 | $ 72,000 |
| Hampton, Virginia | 153 | $ 22,138,000 | $ 144,692 | $ 77,000 |
| Portsmouth, Virginia | 153 | $ 18,851,000 | $ 123,209 | $ 59,000 |
| Suffolk, Virginia | 142 | $ 26,378,000 | $ 185,760 | $ 77,000 |
| Clay, Florida | 139 | $ 18,343,000 | $ 131,964 | $ 69,000 |
| Richmond City, Virginia | 127 | $ 20,126,000 | $ 158,472 | $ 92,000 |
| James City, Virginia | 125 | $ 31,939,000 | $ 255,512 | $ 105,000 |
| Orange, Florida | 124 | $ 18,765,000 | $ 151,330 | $ 66,000 |
| Anne Arundel, Maryland | 111 | $ 25,661,000 | $ 231,180 | $ 111,000 |
| Manassas, Virginia | 111 | $ 18,165,000 | $ 163,648 | $ 79,000 |
| Frederick, Maryland | 102 | $ 18,391,000 | $ 180,303 | $ 84,000 |
| St. Mary's, Maryland | 90 | $ 18,351,000 | $ 203,900 | $ 73,000 |
| York, Virginia | 81 | $ 18,360,000 | $ 226,666 | $ 100,000 |
| Duval, Florida | 79 | $ 11,006,000 | $ 139,316 | $ 78,000 |
| Baltimore, Maryland | 60 | $ 9,187,000 | $ 153,116 | $ 73,000 |
| Spotsylvania, Virginia | 60 | $ 8,896,000 | $ 148,266 | $ 63,000 |
| Manassas Park, Virginia | 53 | $ 9,040,000 | $ 170,566 | $ 64,000 |
| Albemarle, Virginia | 51 | $ 12,820,000 | $ 251,372 | $ 79,000 |
| Baltimore City, Maryland | 47 | $ 4,366,000 | $ 92,893 | $ 83,000 |
| Howard, Maryland | 46 | $ 10,440,000 | $ 226,956 | $ 132,000 |
| Arlington, Virginia | 45 | $ 12,164,000 | $ 270,311 | $ 140,000 |
| Seminole, Florida | 44 | $ 6,894,000 | $ 156,681 | $ 65,000 |
| Currituck, North Carolina | 43 | $ 13,287,000 | $ 309,000 | $ 198,000 |
| Stafford, Virginia | 43 | $ 8,161,000 | $ 189,790 | $ 58,000 |
| Broward, Florida | 39 | $ 6,008,000 | $ 154,051 | $ 131,000 |
| Palm Beach, Florida | 38 | $ 5,159,000 | $ 135,763 | $ 124,000 |
| Polk, Florida | 37 | $ 3,546,000 | $ 95,837 | $ 81,000 |
| Volusia, Florida | 37 | $ 4,249,000 | $ 114,837 | $ 55,000 |
| Hanover, Virginia | 37 | $ 7,719,000 | $ 208,621 | $ 79,000 |
| Brevard, Florida | 36 | $ 4,619,000 | $ 128,305 | $ 60,000 |
| Hillsborough, Florida | 36 | $ 3,710,000 | $ 103,055 | $ 79,000 |
| Pasquotank, North Carolina | 34 | $ 5,113,000 | $ 150,382 | $ 63,000 |
| Alexandria, Virginia | 34 | $ 6,603,000 | $ 194,205 | $ 118,000 |
| Dare, North Carolina | 33 | $ 9,507,000 | $ 288,090 | $ 145,000 |
| Lake, Florida | 31 | $ 3,853,000 | $ 124,290 | $ 68,000 |
| Wayne, Michigan | 31 | $ 2,500,000 | $ 80,645 | $ 65,000 |
| Harris, Texas | 29 | $ 3,649,000 | $ 125,827 | $ 56,000 |
| Accomack, Virginia | 29 | $ 3,762,000 | $ 129,724 | $ 58,000 |
| Osceola, Florida | 28 | $ 4,231,000 | $ 151,107 | $ 76,000 |
| Colonial Heights, Virginia | 28 | $ 3,704,000 | $ 132,285 | $ 55,000 |
| Gloucester, Virginia | 27 | $ 4,133,000 | $ 153,074 | $ 66,000 |
| Hopewell, Virginia | 27 | $ 2,262,000 | $ 83,777 | $ 49,000 |
| Prince George, Virginia | 27 | $ 3,549,000 | $ 131,444 | $ 60,000 |
| Frederick, Virginia | 26 | $ 3,095,000 | $ 119,038 | $ 68,000 |
| Isle of Wight, Virginia | 26 | $ 5,900,000 | $ 226,923 | $ 87,000 |
| Riverside, California | 24 | $ 6,765,000 | $ 281,875 | $ 13,000 |
| Sarasota, Florida | 24 | $ 3,139,000 | $ 130,791 | $ 84,000 |
| Washington, Maryland | 24 | $ 3,506,000 | $ 146,083 | $ 64,000 |
| Pinellas, Florida | 23 | $ 2,451,000 | $ 106,565 | $ 103,000 |
| Poquoson, Virginia | 23 | $ 4,783,000 | $ 207,956 | $ 90,000 |
| Mecklenburg, North Carolina | 22 | $ 1,845,000 | $ 83,863 | $ 73,000 |
| Culpeper, Virginia | 22 | $ 4,380,000 | $ 199,090 | $ 93,000 |
| Fauquier, Virginia | 22 | $ 3,628,000 | $ 164,909 | $ 55,000 |
| Hennepin, Minnesota | 21 | $ 2,145,000 | $ 102,142 | $ 56,000 |
| Fulton, Georgia | 20 | $ 1,457,000 | $ 72,850 | $ 66,000 |
| Sussex, Delaware | 19 | $ 2,471,000 | $ 130,052 | $ 102,000 |
| Berks, Pennsylvania | 18 | $ 1,970,000 | $ 109,444 | $ 48,000 |
| Dallas, Texas | 18 | $ 1,374,000 | $ 76,333 | $ 41,000 |
| Marion, Indiana | 17 | $ 1,135,000 | $ 66,764 | $ 57,000 |
| Franklin, Ohio | 17 | $ 1,383,000 | $ 81,352 | $ 70,000 |
| Augusta, Virginia | 17 | $ 1,942,000 | $ 114,235 | $ 60,000 |
| Manatee, Florida | 16 | $ 2,182,000 | $ 136,375 | $ 105,000 |
| Pasco, Florida | 16 | $ 2,491,000 | $ 155,687 | $ 121,000 |
| Carroll, Maryland | 16 | $ 3,367,000 | $ 210,437 | $ 79,000 |
| Monroe, Pennsylvania | 16 | $ 1,027,000 | $ 64,187 | $ 20,000 |
| Nelson, Virginia | 16 | $ 3,037,000 | $ 189,812 | $ 131,000 |
| New Kent, Virginia | 16 | $ 2,913,000 | $ 182,062 | $ 68,000 |
| Petersburg, Virginia | 16 | $ 1,517,000 | $ 94,812 | $ 78,000 |
| Jackson, Missouri | 15 | $ 1,044,000 | $ 69,600 | $ 104,000 |
| Lee, Florida | 14 | $ 2,485,000 | $ 177,500 | $ 131,000 |
| Calvert, Maryland | 13 | $ 4,016,000 | $ 308,923 | $ 110,000 |
| Camden, North Carolina | 13 | $ 2,120,000 | $ 163,076 | $ 60,000 |
| Roanoke, Virginia | 13 | $ 1,473,000 | $ 113,307 | $ 47,000 |
| Horry, South Carolina | 12 | $ 2,133,000 | $ 177,750 | $ 127,000 |
| Northampton, Virginia | 12 | $ 3,660,000 | $ 305,000 | $ 172,000 |
| Miami-Dade, Florida | 11 | $ 1,383,000 | $ 125,727 | $ 50,000 |
| St. Lucie, Florida | 11 | $ 1,299,000 | $ 118,090 | $ 77,000 |
| Collin, Texas | 11 | $ 1,512,000 | $ 137,454 | $ 45,000 |
| Dinwiddie, Virginia | 11 | $ 1,233,000 | $ 112,090 | $ 44,000 |
| Berkeley, West Virginia | 11 | $ 1,542,000 | $ 140,181 | $ 69,000 |
| Maricopa, Arizona | 10 | $ 1,140,000 | $ 114,000 | $ 36,000 |
| Macomb, Michigan | 10 | $ 1,792,000 | $ 179,200 | $ 129,000 |
| St. Louis City, Missouri | 10 | $ 898,000 | $ 89,800 | $ 62,000 |
| Wake, North Carolina | 10 | $ 2,012,000 | $ 201,200 | $ 126,000 |
| Hamilton, Ohio | 10 | $ 666,000 | $ 66,600 | $ 50,000 |
| Charlottesville, Virginia | 10 | $ 2,135,000 | $ 213,500 | $ 59,000 |
| DeKalb, Georgia | 9 | $ 791,000 | $ 87,888 | $ 48,000 |
| Harford, Maryland | 9 | $ 829,000 | $ 92,111 | $ 45,000 |
| Union, North Carolina | 9 | $ 889,000 | $ 98,777 | $ 50,000 |
| Fairfax City, Virginia | 9 | $ 2,280,000 | $ 253,333 | $ 59,000 |
| Warren, Virginia | 9 | $ 1,053,000 | $ 117,000 | $ 64,000 |
| Collier, Florida | 8 | $ 2,137,000 | $ 267,125 | $ 232,000 |
| Carroll, Georgia | 8 | $ 543,000 | $ 67,875 | $ 185,000 |
| Wicomico, Maryland | 8 | $ 1,360,000 | $ 170,000 | $ 107,000 |
| Anoka, Minnesota | 8 | $ 948,000 | $ 118,500 | $ 39,000 |
| Bedford, Virginia | 8 | $ 677,000 | $ 84,625 | $ 54,000 |
| Fluvanna, Virginia | 8 | $ 1,406,000 | $ 175,750 | $ 67,000 |
| Roanoke City, Virginia | 8 | $ 800,000 | $ 100,000 | $ 42,000 |
| Southampton, Virginia | 8 | $ 1,051,000 | $ 131,375 | $ 67,000 |
| Winchester, Virginia | 8 | $ 987,000 | $ 123,375 | $ 55,000 |
| St. Johns, Florida | 7 | $ 1,237,000 | $ 176,714 | $ 103,000 |
| Clayton, Georgia | 7 | $ 591,000 | $ 84,428 | $ 29,000 |
| Franklin, Pennsylvania | 7 | $ 586,000 | $ 83,714 | $ 52,000 |
| Charleston, South Carolina | 7 | $ 630,000 | $ 90,000 | $ 70,000 |
| Tarrant, Texas | 7 | $ 1,042,000 | $ 148,857 | $ 100,000 |
| Essex, Virginia | 7 | $ 602,000 | $ 86,000 | $ 62,000 |
| King William, Virginia | 7 | $ 982,000 | $ 140,285 | $ 57,000 |
| Powhatan, Virginia | 7 | $ 1,305,000 | $ 186,428 | $ 48,000 |
| Williamsburg, Virginia | 7 | $ 1,433,000 | $ 204,714 | $ 94,000 |
| Jefferson, West Virginia | 7 | $ 1,255,000 | $ 179,285 | $ 69,000 |
| San Diego, California | 6 | $ 2,897,000 | $ 482,833 | $ 30,000 |
| Hartford, Connecticut | 6 | $ 471,000 | $ 78,500 | $ 21,000 |
| Leon, Florida | 6 | $ 847,000 | $ 141,166 | $ 51,000 |
| Queen Anne's, Maryland | 6 | $ 1,062,000 | $ 177,000 | $ 67,000 |
| Muskegon, Michigan | 6 | $ 391,000 | $ 65,166 | $ 62,000 |
| Ramsey, Minnesota | 6 | $ 642,000 | $ 107,000 | $ 16,000 |
| Albany, New York | 6 | $ 240,000 | $ 40,000 | $ 16,000 |
| Schenectady, New York | 6 | $ 328,000 | $ 54,666 | $ 34,000 |
| Bucks, Pennsylvania | 6 | $ 834,000 | $ 139,000 | $ 99,000 |
| Delaware, Pennsylvania | 6 | $ 310,000 | $ 51,666 | $ 70,000 |
| Lancaster, Pennsylvania | 6 | $ 317,000 | $ 52,833 | $ 50,000 |
| Montgomery, Pennsylvania | 6 | $ 853,000 | $ 142,166 | $ 104,000 |
| York, South Carolina | 6 | $ 1,103,000 | $ 183,833 | $ 154,000 |
| Travis, Texas | 6 | $ 381,000 | $ 63,500 | $ 92,000 |
| Williamson, Texas | 6 | $ 645,000 | $ 107,500 | $ 0 |
| Botetourt, Virginia | 6 | $ 511,000 | $ 85,166 | $ 91,000 |
| Danville, Virginia | 6 | $ 567,000 | $ 94,500 | $ 60,000 |
| Fredericksburg, Virginia | 6 | $ 856,000 | $ 142,666 | $ 107,000 |
| Louisa, Virginia | 6 | $ 803,000 | $ 133,833 | $ 58,000 |
| Surry, Virginia | 6 | $ 670,000 | $ 111,666 | $ 60,000 |
| DeSoto, Florida | 5 | $ 445,000 | $ 89,000 | $ 65,000 |
| Martin, Florida | 5 | $ 939,000 | $ 187,800 | $ 135,000 |
| Gwinnett, Georgia | 5 | $ 454,000 | $ 90,800 | $ 0 |
| Ingham, Michigan | 5 | $ 313,000 | $ 62,600 | $ 37,000 |
| Oakland, Michigan | 5 | $ 966,000 | $ 193,200 | $ 81,000 |
| Allegheny, Pennsylvania | 5 | $ 317,000 | $ 63,400 | $ 345,000 |
| Philadelphia, Pennsylvania | 5 | $ 484,000 | $ 96,800 | $ 44,000 |
| Richland, South Carolina | 5 | $ 714,000 | $ 142,800 | $ 70,000 |
| Sevier, Tennessee | 5 | $ 1,041,000 | $ 208,200 | $ 152,000 |
| Hidalgo, Texas | 5 | $ 267,000 | $ 53,400 | $ 54,000 |
| Goochland, Virginia | 5 | $ 1,594,000 | $ 318,800 | $ 113,000 |
| King George, Virginia | 5 | $ 974,000 | $ 194,800 | $ 79,000 |
| Montgomery, Virginia | 5 | $ 470,000 | $ 94,000 | $ 63,000 |
| Milwaukee, Wisconsin | 5 | $ 417,000 | $ 83,400 | $ 15,000 |
| Pima, Arizona | 4 | $ 431,000 | $ 107,750 | $ 152,000 |
| Yavapai, Arizona | 4 | $ 648,000 | $ 162,000 | $ 79,000 |
| Alameda, California | 4 | $ 1,246,000 | $ 311,500 | $ 108,000 |
| Los Angeles, California | 4 | $ 859,000 | $ 214,750 | $ 131,000 |
| New Haven, Connecticut | 4 | $ 406,000 | $ 101,500 | $ 81,000 |
| New Castle, Delaware | 4 | $ 342,000 | $ 85,500 | $ 61,000 |
| Hernando, Florida | 4 | $ 365,000 | $ 91,250 | $ 48,000 |
| Liberty, Georgia | 4 | $ 297,000 | $ 74,250 | $ 54,000 |
| Lake, Indiana | 4 | $ 186,000 | $ 46,500 | $ 48,000 |
| Garrett, Maryland | 4 | $ 508,000 | $ 127,000 | $ 53,000 |
| Worcester, Maryland | 4 | $ 1,320,000 | $ 330,000 | $ 194,000 |
| Platte, Missouri | 4 | $ 449,000 | $ 112,250 | $ 0 |
| St. Louis, Missouri | 4 | $ 271,000 | $ 67,750 | $ 55,000 |
| Monroe, New York | 4 | $ 290,000 | $ 72,500 | $ 0 |
| Rensselaer, New York | 4 | $ 213,000 | $ 53,250 | $ 114,000 |
| Gates, North Carolina | 4 | $ 815,000 | $ 203,750 | $ 77,000 |
| Westmoreland, Pennsylvania | 4 | $ 189,000 | $ 47,250 | $ 43,000 |
| York, Pennsylvania | 4 | $ 450,000 | $ 112,500 | $ 60,000 |
| Bexar, Texas | 4 | $ 474,000 | $ 118,500 | $ 46,000 |
| Fort Bend, Texas | 4 | $ 416,000 | $ 104,000 | $ 108,000 |
| Galveston, Texas | 4 | $ 708,000 | $ 177,000 | $ 111,000 |
| Amherst, Virginia | 4 | $ 271,000 | $ 67,750 | $ 47,000 |
| Northumberland, Virginia | 4 | $ 589,000 | $ 147,250 | $ 59,000 |
| Waynesboro, Virginia | 4 | $ 338,000 | $ 84,500 | $ 95,000 |
| Brown, Wisconsin | 4 | $ 231,000 | $ 57,750 | $ 87,000 |
| Burnett, Wisconsin | 4 | $ 350,000 | $ 87,500 | $ 40,000 |
| St. Croix, Wisconsin | 4 | $ 410,000 | $ 102,500 | $ 138,000 |
| Highlands, Florida | 3 | $ 199,000 | $ 66,333 | $ 63,000 |
| Marion, Florida | 3 | $ 232,000 | $ 77,333 | $ 90,000 |
| Cobb, Georgia | 3 | $ 515,000 | $ 171,666 | $ 0 |
| Allegany, Maryland | 3 | $ 151,000 | $ 50,333 | $ 89,000 |
| Middlesex, Massachusetts | 3 | $ 688,000 | $ 229,333 | $ 65,000 |
| Clinton, Michigan | 3 | $ 333,000 | $ 111,000 | $ 166,000 |
| Hillsborough, New Hampshire | 3 | $ 394,000 | $ 131,333 | $ 37,000 |
| Cabarrus, North Carolina | 3 | $ 799,000 | $ 266,333 | $ 0 |
| Durham, North Carolina | 3 | $ 292,000 | $ 97,333 | $ 48,000 |
| Guilford, North Carolina | 3 | $ 345,000 | $ 115,000 | $ 60,000 |
| Lincoln, North Carolina | 3 | $ 354,000 | $ 118,000 | $ 70,000 |
| New Hanover, North Carolina | 3 | $ 381,000 | $ 127,000 | $ 70,000 |
| Onslow, North Carolina | 3 | $ 145,000 | $ 48,333 | $ 16,000 |
| Chester, Pennsylvania | 3 | $ 394,000 | $ 131,333 | $ 33,000 |
| Georgetown, South Carolina | 3 | $ 1,400,000 | $ 466,666 | $ 1,026,000 |
| Montgomery, Texas | 3 | $ 221,000 | $ 73,666 | $ 0 |
| Franklin, Virginia | 3 | $ 312,000 | $ 104,000 | $ 19,000 |
| Franklin City, Virginia | 3 | $ 629,000 | $ 209,666 | $ 72,000 |
| Henry, Virginia | 3 | $ 166,000 | $ 55,333 | $ 46,000 |
| Middlesex, Virginia | 3 | $ 635,000 | $ 211,666 | $ 156,000 |
| Nottoway, Virginia | 3 | $ 383,000 | $ 127,666 | $ 54,000 |
| Salem, Virginia | 3 | $ 298,000 | $ 99,333 | $ 47,000 |
| Washington, Virginia | 3 | $ 242,000 | $ 80,666 | $ 36,000 |
| Westmoreland, Virginia | 3 | $ 606,000 | $ 202,000 | $ 51,000 |
| Tucker, West Virginia | 3 | $ 443,000 | $ 147,666 | $ 306,000 |
| Mobile, Alabama | 2 | $ 127,000 | $ 63,500 | $ 60,000 |
| Logan, Arkansas | 2 | $ 127,000 | $ 63,500 | $ 60,000 |
| Pulaski, Arkansas | 2 | $ 80,000 | $ 40,000 | $ 42,000 |
| San Bernardino, California | 2 | $ 176,000 | $ 88,000 | $ 223,000 |
| Ventura, California | 2 | $ 584,000 | $ 292,000 | $ 83,000 |
| Denver, Colorado | 2 | $ 165,000 | $ 82,500 | $ 0 |
| Fairfield, Connecticut | 2 | $ 482,000 | $ 241,000 | $ 252,000 |
| Escambia, Florida | 2 | $ 121,000 | $ 60,500 | $ 41,000 |
| Indian River, Florida | 2 | $ 200,000 | $ 100,000 | $ 210,000 |
| Nassau, Florida | 2 | $ 488,000 | $ 244,000 | $ 190,000 |
| Okaloosa, Florida | 2 | $ 125,000 | $ 62,500 | $ 50,000 |
| Santa Rosa, Florida | 2 | $ 292,000 | $ 146,000 | $ 157,000 |
| Bibb, Georgia | 2 | $ 225,000 | $ 112,500 | $ 90,000 |
| Dawson, Georgia | 2 | $ 134,000 | $ 67,000 | $ 180,000 |
| Gordon, Georgia | 2 | $ 146,000 | $ 73,000 | $ 25,000 |
| Laurens, Georgia | 2 | $ 162,000 | $ 81,000 | $ 0 |
| Murray, Georgia | 2 | $ 86,000 | $ 43,000 | $ 90,000 |
| Muscogee, Georgia | 2 | $ 109,000 | $ 54,500 | $ 0 |
| Ada, Idaho | 2 | $ 207,000 | $ 103,500 | $ 444,000 |
| DeKalb, Indiana | 2 | $ 238,000 | $ 119,000 | $ 87,000 |
| Hendricks, Indiana | 2 | $ 235,000 | $ 117,500 | $ 50,000 |
| Johnson, Indiana | 2 | $ 137,000 | $ 68,500 | $ 54,000 |
| LaPorte, Indiana | 2 | $ 190,000 | $ 95,000 | $ 74,000 |
| Madison, Indiana | 2 | $ 285,000 | $ 142,500 | $ 198,000 |
| Newton, Indiana | 2 | $ 238,000 | $ 119,000 | $ 83,000 |
| Noble, Indiana | 2 | $ 75,000 | $ 37,500 | $ 30,000 |
| St. Joseph, Indiana | 2 | $ 142,000 | $ 71,000 | $ 186,000 |
| Steuben, Indiana | 2 | $ 300,000 | $ 150,000 | $ 16,000 |
| Vanderburgh, Indiana | 2 | $ 103,000 | $ 51,500 | $ 41,000 |
| Douglas, Kansas | 2 | $ 140,000 | $ 70,000 | $ 42,000 |
| Bullitt, Kentucky | 2 | $ 139,000 | $ 69,500 | $ 42,000 |
| Hardin, Kentucky | 2 | $ 150,000 | $ 75,000 | $ 38,000 |
| Jessamine, Kentucky | 2 | $ 152,000 | $ 76,000 | $ 114,000 |
| Kenton, Kentucky | 2 | $ 152,000 | $ 76,000 | $ 36,000 |
| Cecil, Maryland | 2 | $ 249,000 | $ 124,500 | $ 58,000 |
| Kent, Maryland | 2 | $ 193,000 | $ 96,500 | $ 48,000 |
| Barnstable, Massachusetts | 2 | $ 293,000 | $ 146,500 | $ 0 |
| Bristol, Massachusetts | 2 | $ 326,000 | $ 163,000 | $ 0 |
| Norfolk, Massachusetts | 2 | $ 291,000 | $ 145,500 | $ 117,000 |
| Charlevoix, Michigan | 2 | $ 260,000 | $ 130,000 | $ 101,000 |
| Lapeer, Michigan | 2 | $ 219,000 | $ 109,500 | $ 110,000 |
| Midland, Michigan | 2 | $ 175,000 | $ 87,500 | $ 0 |
| Becker, Minnesota | 2 | $ 172,000 | $ 86,000 | $ 67,000 |
| Kandiyohi, Minnesota | 2 | $ 103,000 | $ 51,500 | $ 61,000 |
| Le Sueur, Minnesota | 2 | $ 144,000 | $ 72,000 | $ 36,000 |
| Mower, Minnesota | 2 | $ 77,000 | $ 38,500 | $ 164,000 |
| Scott, Minnesota | 2 | $ 238,000 | $ 119,000 | $ 60,000 |
| Sherburne, Minnesota | 2 | $ 614,000 | $ 307,000 | $ 204,000 |
| Wright, Minnesota | 2 | $ 226,000 | $ 113,000 | $ 66,000 |
| Boone, Missouri | 2 | $ 77,000 | $ 38,500 | $ 0 |
| Greene, Missouri | 2 | $ 1,350,000 | $ 675,000 | $ 540,000 |
| Lancaster, Nebraska | 2 | $ 107,000 | $ 53,500 | $ 0 |
| Kings, New York | 2 | $ 485,000 | $ 242,500 | $ 127,000 |
| Orange, New York | 2 | $ 152,000 | $ 76,000 | $ 72,000 |
| Suffolk, New York | 2 | $ 186,000 | $ 93,000 | $ 76,000 |
| Westchester, New York | 2 | $ 450,000 | $ 225,000 | $ 118,000 |
| Craven, North Carolina | 2 | $ 185,000 | $ 92,500 | $ 0 |
| Halifax, North Carolina | 2 | $ 178,000 | $ 89,000 | $ 131,000 |
| Lenoir, North Carolina | 2 | $ 194,000 | $ 97,000 | $ 173,000 |
| Moore, North Carolina | 2 | $ 156,000 | $ 78,000 | $ 200,000 |
| Clermont, Ohio | 2 | $ 126,000 | $ 63,000 | $ 0 |
| Fairfield, Ohio | 2 | $ 182,000 | $ 91,000 | $ 137,000 |
| Greene, Ohio | 2 | $ 156,000 | $ 78,000 | $ 78,000 |
| Madison, Ohio | 2 | $ 102,000 | $ 51,000 | $ 38,000 |
| Muskingum, Ohio | 2 | $ 109,000 | $ 54,500 | $ 73,000 |
| Oklahoma, Oklahoma | 2 | $ 166,000 | $ 83,000 | $ 71,000 |
| Adams, Pennsylvania | 2 | $ 511,000 | $ 255,500 | $ 0 |
| Butler, Pennsylvania | 2 | $ 145,000 | $ 72,500 | $ 84,000 |
| Dauphin, Pennsylvania | 2 | $ 75,000 | $ 37,500 | $ 71,000 |
| Lebanon, Pennsylvania | 2 | $ 168,000 | $ 84,000 | $ 61,000 |
| Northampton, Pennsylvania | 2 | $ 183,000 | $ 91,500 | $ 57,000 |
| Pike, Pennsylvania | 2 | $ 326,000 | $ 163,000 | $ 69,000 |
| Washington, Pennsylvania | 2 | $ 95,000 | $ 47,500 | $ 55,000 |
| Lee, South Carolina | 2 | $ 116,000 | $ 58,000 | $ 0 |
| Lexington, South Carolina | 2 | $ 250,000 | $ 125,000 | $ 77,000 |
| Pickens, South Carolina | 2 | $ 141,000 | $ 70,500 | $ 74,000 |
| Sumter, South Carolina | 2 | $ 75,000 | $ 37,500 | $ 36,000 |
| Davidson, Tennessee | 2 | $ 318,000 | $ 159,000 | $ 207,000 |
| Calhoun, Texas | 2 | $ 86,000 | $ 43,000 | $ 73,000 |
| Ellis, Texas | 2 | $ 352,000 | $ 176,000 | $ 192,000 |
| Hardin, Texas | 2 | $ 207,000 | $ 103,500 | $ 45,000 |
| Hood, Texas | 2 | $ 216,000 | $ 108,000 | $ 0 |
| McLennan, Texas | 2 | $ 122,000 | $ 61,000 | $ 0 |
| Orleans, Vermont | 2 | $ 139,000 | $ 69,500 | $ 56,000 |
| Alleghany, Virginia | 2 | $ 75,000 | $ 37,500 | $ 42,000 |
| Campbell, Virginia | 2 | $ 322,000 | $ 161,000 | $ 57,000 |
| Clarke, Virginia | 2 | $ 292,000 | $ 146,000 | $ 0 |
| Cumberland, Virginia | 2 | $ 367,000 | $ 183,500 | $ 54,000 |
| Greene, Virginia | 2 | $ 445,000 | $ 222,500 | $ 68,000 |
| King and Queen, Virginia | 2 | $ 423,000 | $ 211,500 | $ 56,000 |
| Lancaster, Virginia | 2 | $ 998,000 | $ 499,000 | $ 157,000 |
| Mecklenburg, Virginia | 2 | $ 480,000 | $ 240,000 | $ 124,000 |
| Page, Virginia | 2 | $ 135,000 | $ 67,500 | $ 38,000 |
| Pittsylvania, Virginia | 2 | $ 125,000 | $ 62,500 | $ 39,000 |
| Rockbridge, Virginia | 2 | $ 185,000 | $ 92,500 | $ 69,000 |
| Rockingham, Virginia | 2 | $ 329,000 | $ 164,500 | $ 67,000 |
| Shenandoah, Virginia | 2 | $ 272,000 | $ 136,000 | $ 77,000 |
| Staunton, Virginia | 2 | $ 323,000 | $ 161,500 | $ 53,000 |
| Hardy, West Virginia | 2 | $ 105,000 | $ 52,500 | $ 77,000 |
| Pocahontas, West Virginia | 2 | $ 695,000 | $ 347,500 | $ 233,000 |
| Pinal, Arizona | 1 | $ 251,000 | $ 251,000 | $ 45,000 |
| Benton, Arkansas | 1 | $ 104,000 | $ 104,000 | $ 82,000 |
| Crawford, Arkansas | 1 | $ 54,000 | $ 54,000 | $ 24,000 |
| Modoc, California | 1 | $ 122,000 | $ 122,000 | $ 170,000 |
| Orange, California | 1 | $ 300,000 | $ 300,000 | $ 48,000 |
| Sonoma, California | 1 | $ 560,000 | $ 560,000 | $ 216,000 |
| Eagle, Colorado | 1 | $ 780,000 | $ 780,000 | $ 401,000 |
| Pitkin, Colorado | 1 | $ 592,000 | $ 592,000 | $ 416,000 |
| Litchfield, Connecticut | 1 | $ 164,000 | $ 164,000 | $ 91,000 |
| Kent, Delaware | 1 | $ 218,000 | $ 218,000 | $ 66,000 |
| Charlotte, Florida | 1 | $ 89,000 | $ 89,000 | $ 66,000 |
| Hardee, Florida | 1 | $ 150,000 | $ 150,000 | $ 48,000 |
| Floyd, Georgia | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Jennings, Indiana | 1 | $ 85,000 | $ 85,000 | $ 33,000 |
| Ripley, Indiana | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Jackson, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Jefferson, Kentucky | 1 | $ 203,000 | $ 203,000 | $ 61,000 |
| Penobscot, Maine | 1 | $ 148,000 | $ 148,000 | $ 28,000 |
| Somerset, Maryland | 1 | $ 107,000 | $ 107,000 | $ 85,000 |
| Talbot, Maryland | 1 | $ 184,000 | $ 184,000 | $ 174,000 |
| Dukes, Massachusetts | 1 | $ 1,000,000 | $ 1,000,000 | $ 441,000 |
| Worcester, Massachusetts | 1 | $ 160,000 | $ 160,000 | $ 120,000 |
| Berrien, Michigan | 1 | $ 92,000 | $ 92,000 | $ 48,000 |
| Kalkaska, Michigan | 1 | $ 138,000 | $ 138,000 | $ 36,000 |
| Sanilac, Michigan | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Shiawassee, Michigan | 1 | $ 170,000 | $ 170,000 | $ 71,000 |
| St. Louis, Minnesota | 1 | $ 41,000 | $ 41,000 | $ 32,000 |
| Cass, Missouri | 1 | $ 146,000 | $ 146,000 | $ 50,000 |
| St. Francois, Missouri | 1 | $ 131,000 | $ 131,000 | $ 56,000 |
| Washington, Missouri | 1 | $ 85,000 | $ 85,000 | $ 32,000 |
| Gallatin, Montana | 1 | $ 177,000 | $ 177,000 | $ 100,000 |
| Dona Ana, New Mexico | 1 | $ 231,000 | $ 231,000 | $ 146,000 |
| Santa Fe, New Mexico | 1 | $ 83,000 | $ 83,000 | $ 60,000 |
| Chemung, New York | 1 | $ 182,000 | $ 182,000 | $ 108,000 |
| Erie, New York | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Genesee, New York | 1 | $ 51,000 | $ 51,000 | $ 97,000 |
| Nassau, New York | 1 | $ 260,000 | $ 260,000 | $ 80,000 |
| Niagara, New York | 1 | $ 115,000 | $ 115,000 | $ 40,000 |
| Oneida, New York | 1 | $ 80,000 | $ 80,000 | $ 102,000 |
| Beaufort, North Carolina | 1 | $ 59,000 | $ 59,000 | $ 120,000 |
| Brunswick, North Carolina | 1 | $ 700,000 | $ 700,000 | $ 261,000 |
| Carteret, North Carolina | 1 | $ 300,000 | $ 300,000 | $ 190,000 |
| Catawba, North Carolina | 1 | $ 99,000 | $ 99,000 | $ 58,000 |
| Chowan, North Carolina | 1 | $ 180,000 | $ 180,000 | $ 65,000 |
| Forsyth, North Carolina | 1 | $ 138,000 | $ 138,000 | $ 61,000 |
| Gaston, North Carolina | 1 | $ 115,000 | $ 115,000 | $ 36,000 |
| Iredell, North Carolina | 1 | $ 257,000 | $ 257,000 | $ 148,000 |
| Johnston, North Carolina | 1 | $ 73,000 | $ 73,000 | $ 56,000 |
| Jones, North Carolina | 1 | $ 78,000 | $ 78,000 | $ 41,000 |
| Perquimans, North Carolina | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Pitt, North Carolina | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Rowan, North Carolina | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Allen, Ohio | 1 | $ 62,000 | $ 62,000 | $ 197,000 |
| Butler, Ohio | 1 | $ 162,000 | $ 162,000 | $ 57,000 |
| Lucas, Ohio | 1 | $ 52,000 | $ 52,000 | $ 26,000 |
| Richland, Ohio | 1 | $ 257,000 | $ 257,000 | $ 71,000 |
| Warren, Ohio | 1 | $ 132,000 | $ 132,000 | $ 61,000 |
| Crawford, Pennsylvania | 1 | $ 220,000 | $ 220,000 | $ 180,000 |
| Luzerne, Pennsylvania | 1 | $ 244,000 | $ 244,000 | $ 95,000 |
| Beaufort, South Carolina | 1 | $ 174,000 | $ 174,000 | $ 66,000 |
| Dorchester, South Carolina | 1 | $ 230,000 | $ 230,000 | $ 153,000 |
| Oconee, South Carolina | 1 | $ 70,000 | $ 70,000 | $ 38,000 |
| Carter, Tennessee | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Hamilton, Tennessee | 1 | $ 56,000 | $ 56,000 | $ 42,000 |
| Knox, Tennessee | 1 | $ 142,000 | $ 142,000 | $ 37,000 |
| Shelby, Tennessee | 1 | $ 47,000 | $ 47,000 | $ 41,000 |
| Comanche, Texas | 1 | $ 65,000 | $ 65,000 | $ 34,000 |
| Bedford City, Virginia | 1 | $ 89,000 | $ 89,000 | $ 26,000 |
| Brunswick, Virginia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Buchanan, Virginia | 1 | $ 59,000 | $ 59,000 | $ 56,000 |
| Caroline, Virginia | 1 | $ 135,000 | $ 135,000 | $ 68,000 |
| Carroll, Virginia | 1 | $ 76,000 | $ 76,000 | $ 80,000 |
| Charles City, Virginia | 1 | $ 588,000 | $ 588,000 | $ 168,000 |
| Emporia, Virginia | 1 | $ 122,000 | $ 122,000 | $ 68,000 |
| Lunenburg, Virginia | 1 | $ 225,000 | $ 225,000 | $ 45,000 |
| Madison, Virginia | 1 | $ 148,000 | $ 148,000 | $ 104,000 |
| Mathews, Virginia | 1 | $ 240,000 | $ 240,000 | $ 200,000 |
| Prince Edward, Virginia | 1 | $ 90,000 | $ 90,000 | $ 28,000 |
| Sussex, Virginia | 1 | $ 95,000 | $ 95,000 | $ 37,000 |
| Wythe, Virginia | 1 | $ 80,000 | $ 80,000 | $ 25,000 |
| Randolph, West Virginia | 1 | $ 224,000 | $ 224,000 | $ 134,000 |
| Dane, Wisconsin | 1 | $ 350,000 | $ 350,000 | $ 150,000 |
| Sawyer, Wisconsin | 1 | $ 331,000 | $ 331,000 | $ 0 |
| Trempealeau, Wisconsin | 1 | $ 60,000 | $ 60,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for Resource Bank in 2005
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 | 8,062 | $1,351,613,000 | $138,700 | $1,677,000 | $98,500 | $3,000,000 |
| Refinancing | 2,370 | $514,572,000 | $173,612 | $2,535,000 | $88,451 | $2,036,000 |
| Home Improvement | 10 | $1,987,000 | $198,000 | $323,000 | $86,000 | $171,000 |
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 | 5,085 | $959,936,000 | $164,647 | $1,690,000 | $106,411 | $3,000,000 |
| Hispanic | 3,194 | $546,397,000 | $141,590 | $1,000,000 | $70,363 | $1,476,000 |
| Black or African American | 1,371 | $219,689,000 | $127,000 | $2,535,000 | $58,480 | $1,205,000 |
| Asian | 392 | $75,365,000 | $173,181 | $700,000 | $89,909 | $900,000 |
| Not Provided | 309 | $50,917,000 | $127,588 | $799,000 | $65,941 | $750,000 |
| Native Hawaiian or Other Pacific Islander | 68 | $11,669,000 | $149,750 | $550,000 | $74,000 | $276,000 |
| American Indian or Alaskan Native | 17 | $2,317,000 | $157,500 | $496,000 | $102,500 | $441,000 |
| Not applicable | 6 | $1,882,000 | $291,000 | $975,000 | $182,000 | $327,000 |
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) | 9,813 | $1,759,852,000 | $135,305 | $2,535,000 | $92,138 | $3,000,000 |
| FHA-insured (Federal Housing Administration) | 329 | $48,567,000 | $170,200 | $313,000 | $60,400 | $250,000 |
| VA-guaranteed (Veterans Administration) | 300 | $59,753,000 | $215,200 | $360,000 | $64,000 | $158,000 |
| 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 | 8,349 | $1,496,153,000 | $129,093 | $2,535,000 | $81,718 | $3,000,000 |
| Application Approved But Not Accepted | 1,025 | $187,298,000 | $146,086 | $975,000 | $86,347 | $696,000 |
| Application Withdrawn By Applicant | 626 | $120,759,000 | $185,777 | $1,100,000 | $128,555 | $983,000 |
| Application Denied By Financial Institution | 381 | $52,006,000 | $147,142 | $1,200,000 | $107,095 | $600,000 |
| File Closed For Incompleteness | 61 | $11,956,000 | $244,000 | $767,000 | $78,000 | $420,000 |
| 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 | 133 | $16,007,000 | $135,842 | $1,200,000 | $125,684 | $600,000 |
| Credit History | 71 | $9,683,000 | $142,285 | $480,000 | $85,357 | $600,000 |
| Other | 71 | $10,311,000 | $166,333 | $568,000 | $85,222 | $216,000 |
| Unverifiable Information | 31 | $4,354,000 | $125,000 | $452,000 | $92,600 | $201,000 |
| Debt-To-Income Ratio | 28 | $5,836,000 | $192,333 | $527,000 | $72,666 | $143,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $1,570,000 | $105,750 | $206,000 | $67,500 | $96,000 |
| Employment History | 7 | $700,000 | $110,666 | $216,000 | $58,000 | $87,000 |
| Credit Application Incomplete | 7 | $574,000 | $82,000 | $120,000 | $45,000 | $76,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Resource Bank's 2005 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 Resource 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.
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