Skyline National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Skyline National Bank 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 | Skyline National Bank Po Box 186 Independence, VA 24348 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 619 |
| Total Mortgage Loan Application Amount | $116,305,000 |
| Average Mortgage Loan Application Amount | $173,000 |
| Highest Mortgage Loan Application Amount | $2,805,000 |
| Average Applicant Income | $136,750 |
| Highest Applicant Income | $1,532,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with Skyline National 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 Skyline National Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2023 breaks down Skyline National 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 Skyline National Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Skyline National 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 Skyline National Bank'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 |
|---|---|---|---|---|
| Carroll County Virginia | 100 | $ 11,290,000 | $ 112,000 | $ 87,000 |
| Grayson County Virginia | 66 | $ 8,270,000 | $ 125,000 | $ 93,000 |
| Ashe County North Carolina | 47 | $ 8,455,000 | $ 179,000 | $ 179,000 |
| Alleghany County North Carolina | 39 | $ 6,425,000 | $ 164,000 | $ 159,000 |
| Floyd County Virginia | 36 | $ 5,110,000 | $ 141,000 | $ 159,000 |
| Montgomery County Virginia | 36 | $ 10,990,000 | $ 305,000 | $ 189,000 |
| Caldwell County North Carolina | 27 | $ 3,795,000 | $ 140,000 | $ 101,000 |
| Catawba County North Carolina | 23 | $ 4,105,000 | $ 178,000 | $ 149,000 |
| Davie County North Carolina | 19 | $ 3,595,000 | $ 189,000 | $ 139,000 |
| Roanoke County Virginia | 18 | $ 3,690,000 | $ 205,000 | $ 139,000 |
| Wythe County Virginia | 18 | $ 3,110,000 | $ 172,000 | $ 110,000 |
| Watauga County North Carolina | 15 | $ 4,985,000 | $ 332,000 | $ 285,000 |
| Galax County Virginia | 15 | $ 1,975,000 | $ 131,000 | $ 82,000 |
| Wilkes County North Carolina | 14 | $ 2,350,000 | $ 167,000 | $ 172,000 |
| Yadkin County North Carolina | 14 | $ 3,160,000 | $ 225,000 | $ 140,000 |
| Pulaski County Virginia | 13 | $ 1,935,000 | $ 148,000 | $ 138,000 |
| Roanoke City County Virginia | 11 | $ 1,435,000 | $ 130,000 | $ 61,000 |
| Salem County Virginia | 9 | $ 2,095,000 | $ 232,000 | $ 172,000 |
| Alexander County North Carolina | 8 | $ 2,110,000 | $ 263,000 | $ 146,000 |
| Forsyth County North Carolina | 6 | $ 740,000 | $ 123,000 | $ 90,000 |
| Surry County North Carolina | 6 | $ 720,000 | $ 120,000 | $ 76,000 |
| Patrick County Virginia | 6 | $ 660,000 | $ 110,000 | $ 69,000 |
| Franklin County Virginia | 5 | $ 695,000 | $ 139,000 | $ 74,000 |
| Radford County Virginia | 5 | $ 1,205,000 | $ 241,000 | $ 655,000 |
| Smyth County Virginia | 5 | $ 1,095,000 | $ 219,000 | $ 33,000 |
| Avery County North Carolina | 4 | $ 1,450,000 | $ 362,000 | $ 269,000 |
| Mecklenburg County North Carolina | 4 | $ 5,050,000 | $ 1,262,000 | $ 878,000 |
| Henry County Virginia | 4 | $ 1,520,000 | $ 380,000 | $ 67,000 |
| Lincoln County North Carolina | 3 | $ 395,000 | $ 131,000 | $ 75,000 |
| Giles County Virginia | 3 | $ 1,175,000 | $ 391,000 | $ 108,000 |
| Washington County Virginia | 3 | $ 915,000 | $ 305,000 | $ 245,000 |
| Burke County North Carolina | 2 | $ 390,000 | $ 195,000 | $ 68,000 |
| Davidson County North Carolina | 2 | $ 550,000 | $ 275,000 | $ 135,000 |
| Iredell County North Carolina | 2 | $ 210,000 | $ 105,000 | $ 80,000 |
| Pender County North Carolina | 2 | $ 1,160,000 | $ 580,000 | $ 148,000 |
| Horry County South Carolina | 2 | $ 2,490,000 | $ 1,245,000 | $ 0 |
| Bedford County Virginia | 2 | $ 160,000 | $ 80,000 | $ 84,000 |
| Bland County Virginia | 2 | $ 460,000 | $ 230,000 | $ 126,000 |
| Botetourt County Virginia | 2 | $ 450,000 | $ 225,000 | $ 83,000 |
| Alamance County North Carolina | 1 | $ 285,000 | $ 285,000 | $ 46,000 |
| Gaston County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 52,000 |
| Guilford County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 120,000 |
| Harnett County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 252,000 |
| Henderson County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 136,000 |
| McDowell County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Pamlico County North Carolina | 1 | $ 415,000 | $ 415,000 | $ 231,000 |
| Randolph County North Carolina | 1 | $ 1,465,000 | $ 1,465,000 | $ 0 |
| Rowan County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 447,000 |
| Swain County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Wilson County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 362,000 |
| Grainger County Tennessee | 1 | $ 705,000 | $ 705,000 | $ 464,000 |
| Alleghany County Virginia | 1 | $ 205,000 | $ 205,000 | $ 196,000 |
| Augusta County Virginia | 1 | $ 205,000 | $ 205,000 | $ 48,000 |
| Campbell County Virginia | 1 | $ 65,000 | $ 65,000 | $ 66,000 |
| Fluvanna County Virginia | 1 | $ 285,000 | $ 285,000 | $ 185,000 |
| Mathews County Virginia | 1 | $ 505,000 | $ 505,000 | $ 319,000 |
| Pittsylvania County Virginia | 1 | $ 115,000 | $ 115,000 | $ 54,000 |
| Prince William County Virginia | 1 | $ 255,000 | $ 255,000 | $ 270,000 |
| Mercer County West Virginia | 1 | $ 45,000 | $ 45,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for Skyline National Bank 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 Purchase | 236 | $67,120,000 | $284,000 | $2,805,000 | $164,000 | $999,000 |
| Other Purpose | 193 | $18,895,000 | $97,000 | $1,255,000 | $113,000 | $1,532,000 |
| Refinancing | 108 | $19,500,000 | $180,000 | $1,655,000 | $149,000 | $1,004,000 |
| Home Improvement | 82 | $10,790,000 | $131,000 | $885,000 | $121,000 | $830,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 490 | $83,130,000 | $169,000 | $1,655,000 | $139,000 | $1,532,000 |
| Not applicable | 92 | $28,280,000 | $307,000 | $2,805,000 | $0 | $0 |
| Not Provided | 22 | $3,160,000 | $143,000 | $445,000 | $108,000 | $270,000 |
| Hispanic | 7 | $1,065,000 | $152,000 | $425,000 | $108,000 | $163,000 |
| Asian | 3 | $85,000 | $28,000 | $35,000 | $31,000 | $48,000 |
| Black or African American | 3 | $315,000 | $105,000 | $135,000 | $85,000 | $183,000 |
| American Indian or Alaskan Native | 1 | $155,000 | $155,000 | $155,000 | $100,000 | $100,000 |
| Native Hawaiian or Other Pacific Islander | 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 619 | $116,305,000 | $187,000 | $2,805,000 | $136,000 | $1,532,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 534 | $105,970,000 | $198,000 | $2,805,000 | $145,000 | $1,100,000 |
| Application Denied By Financial Institution | 40 | $3,310,000 | $82,000 | $305,000 | $62,000 | $333,000 |
| Application Withdrawn By Applicant | 40 | $6,590,000 | $164,000 | $1,255,000 | $125,000 | $1,532,000 |
| Application Approved But Not Accepted | 4 | $280,000 | $70,000 | $115,000 | $52,000 | $97,000 |
| Preapproval Denied by Financial Institution | 1 | $155,000 | $155,000 | $155,000 | $78,000 | $78,000 |
| 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 |
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 | 578 | $112,840,000 | $195,000 | $2,805,000 | $143,000 | $1,532,000 |
| Credit History | 24 | $2,000,000 | $83,000 | $305,000 | $67,000 | $333,000 |
| Debt-To-Income Ratio | 11 | $1,215,000 | $110,000 | $265,000 | $60,000 | $125,000 |
| Employment History | 2 | $40,000 | $20,000 | $35,000 | $40,000 | $48,000 |
| Collateral | 2 | $160,000 | $80,000 | $135,000 | $63,000 | $95,000 |
| Credit Application Incomplete | 1 | $5,000 | $5,000 | $5,000 | $46,000 | $46,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $36,000 | $36,000 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Skyline National Bank'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 Skyline National 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.