Stellarone Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Stellarone Bank 2009 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 | Stellarone Bank 1051 East Cary Street, Suite 1200 Richmond, VA 23219 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 3,987 |
| Total Mortgage Loan Application Amount | $671,617,000 |
| Average Mortgage Loan Application Amount | $127,000 |
| Highest Mortgage Loan Application Amount | $1,400,000 |
| Average Applicant Income | $73,666 |
| Highest Applicant Income | $1,883,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with Stellarone 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 Stellarone Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down Stellarone 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 Stellarone Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Stellarone 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 Stellarone Bank's mortgage activity for 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Montgomery County Virginia | 293 | $ 46,073,000 | $ 157,000 | $ 86,000 |
| Greenville County South Carolina | 279 | $ 49,099,000 | $ 175,000 | $ 80,000 |
| Spartanburg County South Carolina | 189 | $ 25,500,000 | $ 134,000 | $ 52,000 |
| Roanoke County Virginia | 176 | $ 31,060,000 | $ 176,000 | $ 85,000 |
| Augusta County Virginia | 171 | $ 26,421,000 | $ 154,000 | $ 63,000 |
| Bedford County Virginia | 145 | $ 22,498,000 | $ 155,000 | $ 81,000 |
| Pulaski County Virginia | 136 | $ 16,564,000 | $ 121,000 | $ 57,000 |
| Roanoke City County Virginia | 116 | $ 15,221,000 | $ 131,000 | $ 98,000 |
| Chatham County Georgia | 99 | $ 20,795,000 | $ 210,000 | $ 116,000 |
| Anderson County South Carolina | 97 | $ 14,795,000 | $ 152,000 | $ 65,000 |
| Albemarle County Virginia | 85 | $ 22,886,000 | $ 269,000 | $ 148,000 |
| Culpeper County Virginia | 79 | $ 12,390,000 | $ 156,000 | $ 78,000 |
| Rockbridge County Virginia | 75 | $ 13,759,000 | $ 183,000 | $ 82,000 |
| Floyd County Virginia | 66 | $ 9,963,000 | $ 150,000 | $ 56,000 |
| Orange County Virginia | 63 | $ 10,886,000 | $ 172,000 | $ 92,000 |
| Madison County Virginia | 61 | $ 7,352,000 | $ 120,000 | $ 65,000 |
| Giles County Virginia | 60 | $ 6,075,000 | $ 101,000 | $ 58,000 |
| Rockingham County Virginia | 57 | $ 9,347,000 | $ 163,000 | $ 84,000 |
| Salem County Virginia | 55 | $ 7,838,000 | $ 142,000 | $ 75,000 |
| Wake County North Carolina | 53 | $ 12,206,000 | $ 230,000 | $ 101,000 |
| Botetourt County Virginia | 53 | $ 11,184,000 | $ 211,000 | $ 82,000 |
| Franklin County Virginia | 52 | $ 11,050,000 | $ 212,000 | $ 109,000 |
| Horry County South Carolina | 49 | $ 8,736,000 | $ 178,000 | $ 101,000 |
| Buncombe County North Carolina | 48 | $ 10,542,000 | $ 219,000 | $ 79,000 |
| Radford County Virginia | 48 | $ 5,305,000 | $ 110,000 | $ 60,000 |
| Buena Vista County Virginia | 44 | $ 4,491,000 | $ 102,000 | $ 49,000 |
| Staunton County Virginia | 44 | $ 6,547,000 | $ 148,000 | $ 80,000 |
| Mecklenburg County North Carolina | 42 | $ 10,652,000 | $ 253,000 | $ 164,000 |
| Richland County South Carolina | 41 | $ 6,879,000 | $ 167,000 | $ 68,000 |
| Charleston County South Carolina | 38 | $ 9,912,000 | $ 260,000 | $ 157,000 |
| Lexington County South Carolina | 38 | $ 5,933,000 | $ 156,000 | $ 64,000 |
| Wythe County Virginia | 38 | $ 4,401,000 | $ 115,000 | $ 67,000 |
| York County South Carolina | 37 | $ 7,064,000 | $ 190,000 | $ 75,000 |
| Aiken County South Carolina | 33 | $ 6,490,000 | $ 196,000 | $ 85,000 |
| Charlottesville County Virginia | 31 | $ 7,163,000 | $ 231,000 | $ 132,000 |
| Spotsylvania County Virginia | 28 | $ 5,233,000 | $ 186,000 | $ 89,000 |
| Tazewell County Virginia | 28 | $ 4,474,000 | $ 159,000 | $ 90,000 |
| Gaston County North Carolina | 26 | $ 3,912,000 | $ 150,000 | $ 78,000 |
| Cherokee County South Carolina | 26 | $ 2,925,000 | $ 112,000 | $ 46,000 |
| Laurens County South Carolina | 26 | $ 2,726,000 | $ 104,000 | $ 42,000 |
| Caroline County Virginia | 25 | $ 3,355,000 | $ 134,000 | $ 57,000 |
| Lynchburg County Virginia | 25 | $ 3,368,000 | $ 134,000 | $ 61,000 |
| Beaufort County South Carolina | 24 | $ 6,513,000 | $ 271,000 | $ 238,000 |
| Campbell County Virginia | 24 | $ 3,741,000 | $ 155,000 | $ 69,000 |
| Pickens County South Carolina | 23 | $ 4,061,000 | $ 176,000 | $ 74,000 |
| Catawba County North Carolina | 22 | $ 2,960,000 | $ 134,000 | $ 42,000 |
| Harrisonburg County Virginia | 21 | $ 2,972,000 | $ 141,000 | $ 89,000 |
| Greenwood County South Carolina | 19 | $ 2,839,000 | $ 149,000 | $ 53,000 |
| Lexington County Virginia | 19 | $ 3,667,000 | $ 193,000 | $ 66,000 |
| Stafford County Virginia | 19 | $ 5,023,000 | $ 264,000 | $ 107,000 |
| Waynesboro County Virginia | 18 | $ 2,623,000 | $ 145,000 | $ 71,000 |
| Berkeley County South Carolina | 17 | $ 2,957,000 | $ 173,000 | $ 81,000 |
| Chesterfield County Virginia | 17 | $ 3,366,000 | $ 198,000 | $ 101,000 |
| Greene County Virginia | 15 | $ 2,979,000 | $ 198,000 | $ 75,000 |
| Louisa County Virginia | 15 | $ 2,154,000 | $ 143,000 | $ 64,000 |
| Shenandoah County Virginia | 15 | $ 2,596,000 | $ 173,000 | $ 69,000 |
| Bedford City County Virginia | 14 | $ 1,555,000 | $ 111,000 | $ 59,000 |
| Alleghany County Virginia | 13 | $ 760,000 | $ 58,000 | $ 38,000 |
| Amherst County Virginia | 13 | $ 1,627,000 | $ 125,000 | $ 106,000 |
| Covington County Virginia | 13 | $ 584,000 | $ 44,000 | $ 29,000 |
| Richmond City County Virginia | 13 | $ 3,793,000 | $ 291,000 | $ 211,000 |
| Wilkes County North Carolina | 12 | $ 1,341,000 | $ 111,000 | $ 38,000 |
| Oconee County South Carolina | 12 | $ 2,189,000 | $ 182,000 | $ 68,000 |
| Fairfax County Virginia | 12 | $ 3,778,000 | $ 314,000 | $ 350,000 |
| Henderson County North Carolina | 11 | $ 2,228,000 | $ 202,000 | $ 121,000 |
| Fluvanna County Virginia | 11 | $ 2,246,000 | $ 204,000 | $ 68,000 |
| Hanover County Virginia | 11 | $ 2,830,000 | $ 257,000 | $ 169,000 |
| Washington County Virginia | 11 | $ 1,418,000 | $ 128,000 | $ 54,000 |
| Durham County North Carolina | 10 | $ 2,287,000 | $ 228,000 | $ 118,000 |
| Kershaw County South Carolina | 10 | $ 1,539,000 | $ 153,000 | $ 48,000 |
| Newberry County South Carolina | 10 | $ 1,622,000 | $ 162,000 | $ 59,000 |
| Craig County Virginia | 10 | $ 1,810,000 | $ 181,000 | $ 59,000 |
| Jackson County North Carolina | 9 | $ 2,152,000 | $ 239,000 | $ 119,000 |
| Henrico County Virginia | 9 | $ 1,590,000 | $ 176,000 | $ 140,000 |
| Nelson County Virginia | 9 | $ 1,963,000 | $ 218,000 | $ 269,000 |
| Mitchell County North Carolina | 8 | $ 1,725,000 | $ 215,000 | $ 55,000 |
| Dorchester County South Carolina | 8 | $ 1,684,000 | $ 210,000 | $ 91,000 |
| Fredericksburg County Virginia | 8 | $ 2,408,000 | $ 301,000 | $ 156,000 |
| Sumter County South Carolina | 7 | $ 1,140,000 | $ 162,000 | $ 74,000 |
| King George County Virginia | 7 | $ 1,091,000 | $ 155,000 | $ 54,000 |
| Page County Virginia | 7 | $ 913,000 | $ 130,000 | $ 58,000 |
| Prince Edward County Virginia | 7 | $ 947,000 | $ 135,000 | $ 84,000 |
| Russell County Virginia | 7 | $ 1,045,000 | $ 149,000 | $ 71,000 |
| Fairfield County South Carolina | 6 | $ 1,002,000 | $ 167,000 | $ 68,000 |
| Orangeburg County South Carolina | 6 | $ 994,000 | $ 165,000 | $ 93,000 |
| Fulton County Georgia | 5 | $ 1,053,000 | $ 210,000 | $ 107,000 |
| Caldwell County North Carolina | 5 | $ 494,000 | $ 98,000 | $ 43,000 |
| Transylvania County North Carolina | 5 | $ 930,000 | $ 186,000 | $ 76,000 |
| Rutherford County Tennessee | 5 | $ 839,000 | $ 167,000 | $ 51,000 |
| King William County Virginia | 5 | $ 916,000 | $ 183,000 | $ 64,000 |
| Prince William County Virginia | 5 | $ 709,000 | $ 141,000 | $ 92,000 |
| Forsyth County Georgia | 4 | $ 725,000 | $ 181,000 | $ 107,000 |
| Burke County North Carolina | 4 | $ 366,000 | $ 91,000 | $ 26,000 |
| Haywood County North Carolina | 4 | $ 808,000 | $ 202,000 | $ 63,000 |
| Johnston County North Carolina | 4 | $ 893,000 | $ 223,000 | $ 97,000 |
| Union County North Carolina | 4 | $ 1,324,000 | $ 331,000 | $ 113,000 |
| Dillon County South Carolina | 4 | $ 562,000 | $ 140,000 | $ 50,000 |
| Edgefield County South Carolina | 4 | $ 825,000 | $ 206,000 | $ 77,000 |
| Jasper County South Carolina | 4 | $ 668,000 | $ 167,000 | $ 78,000 |
| Union County South Carolina | 4 | $ 347,000 | $ 86,000 | $ 35,000 |
| Appomattox County Virginia | 4 | $ 739,000 | $ 184,000 | $ 73,000 |
| Bath County Virginia | 4 | $ 1,060,000 | $ 265,000 | $ 157,000 |
| Carroll County Virginia | 4 | $ 407,000 | $ 101,000 | $ 32,000 |
| Greenbrier County West Virginia | 4 | $ 449,000 | $ 112,000 | $ 38,000 |
| Effingham County Georgia | 3 | $ 530,000 | $ 176,000 | $ 67,000 |
| Howard County Maryland | 3 | $ 788,000 | $ 262,000 | $ 185,000 |
| Montgomery County Maryland | 3 | $ 979,000 | $ 326,000 | $ 167,000 |
| Avery County North Carolina | 3 | $ 497,000 | $ 165,000 | $ 72,000 |
| Cleveland County North Carolina | 3 | $ 296,000 | $ 98,000 | $ 62,000 |
| Iredell County North Carolina | 3 | $ 378,000 | $ 126,000 | $ 82,000 |
| New Hanover County North Carolina | 3 | $ 647,000 | $ 215,000 | $ 84,000 |
| Darlington County South Carolina | 3 | $ 292,000 | $ 97,000 | $ 62,000 |
| Georgetown County South Carolina | 3 | $ 935,000 | $ 311,000 | $ 633,000 |
| Lancaster County South Carolina | 3 | $ 674,000 | $ 224,000 | $ 66,000 |
| Davidson County Tennessee | 3 | $ 610,000 | $ 203,000 | $ 47,000 |
| Loudon County Tennessee | 3 | $ 785,000 | $ 261,000 | $ 114,000 |
| Wilson County Tennessee | 3 | $ 508,000 | $ 169,000 | $ 59,000 |
| Arlington County Virginia | 3 | $ 786,000 | $ 262,000 | $ 83,000 |
| Bland County Virginia | 3 | $ 433,000 | $ 144,000 | $ 87,000 |
| Buchanan County Virginia | 3 | $ 311,000 | $ 103,000 | $ 46,000 |
| Cumberland County Virginia | 3 | $ 672,000 | $ 224,000 | $ 71,000 |
| Virginia Beach County Virginia | 3 | $ 553,000 | $ 184,000 | $ 58,000 |
| Westmoreland County Virginia | 3 | $ 179,000 | $ 59,000 | $ 19,000 |
| Gwinnett County Georgia | 2 | $ 336,000 | $ 168,000 | $ 61,000 |
| Anne Arundel County Maryland | 2 | $ 614,000 | $ 307,000 | $ 116,000 |
| Baltimore County Maryland | 2 | $ 594,000 | $ 297,000 | $ 120,000 |
| St. Mary's County Maryland | 2 | $ 583,000 | $ 291,000 | $ 104,000 |
| Alamance County North Carolina | 2 | $ 431,000 | $ 215,000 | $ 161,000 |
| Chatham County North Carolina | 2 | $ 404,000 | $ 202,000 | $ 86,000 |
| Dare County North Carolina | 2 | $ 610,000 | $ 305,000 | $ 78,000 |
| Guilford County North Carolina | 2 | $ 530,000 | $ 265,000 | $ 149,000 |
| Lincoln County North Carolina | 2 | $ 441,000 | $ 220,000 | $ 123,000 |
| Macon County North Carolina | 2 | $ 627,000 | $ 313,000 | $ 111,000 |
| Madison County North Carolina | 2 | $ 440,000 | $ 220,000 | $ 117,000 |
| Orange County North Carolina | 2 | $ 483,000 | $ 241,000 | $ 137,000 |
| Pitt County North Carolina | 2 | $ 330,000 | $ 165,000 | $ 33,000 |
| Surry County North Carolina | 2 | $ 329,000 | $ 164,000 | $ 51,000 |
| Yancey County North Carolina | 2 | $ 290,000 | $ 145,000 | $ 64,000 |
| Abbeville County South Carolina | 2 | $ 209,000 | $ 104,000 | $ 43,000 |
| Florence County South Carolina | 2 | $ 522,000 | $ 261,000 | $ 131,000 |
| Hamilton County Tennessee | 2 | $ 262,000 | $ 131,000 | $ 61,000 |
| Macon County Tennessee | 2 | $ 179,000 | $ 89,000 | $ 57,000 |
| Sumner County Tennessee | 2 | $ 401,000 | $ 200,000 | $ 39,000 |
| Alexandria County Virginia | 2 | $ 449,000 | $ 224,000 | $ 121,000 |
| Buckingham County Virginia | 2 | $ 289,000 | $ 144,000 | $ 51,000 |
| Northampton County Virginia | 2 | $ 467,000 | $ 233,000 | $ 145,000 |
| Patrick County Virginia | 2 | $ 318,000 | $ 159,000 | $ 0 |
| Pittsylvania County Virginia | 2 | $ 216,000 | $ 108,000 | $ 37,000 |
| Rappahannock County Virginia | 2 | $ 568,000 | $ 284,000 | $ 132,000 |
| Monroe County West Virginia | 2 | $ 176,000 | $ 88,000 | $ 27,000 |
| New Haven County Connecticut | 1 | $ 265,000 | $ 265,000 | $ 60,000 |
| Duval County Florida | 1 | $ 323,000 | $ 323,000 | $ 190,000 |
| Marion County Florida | 1 | $ 245,000 | $ 245,000 | $ 45,000 |
| Sarasota County Florida | 1 | $ 296,000 | $ 296,000 | $ 180,000 |
| St. Johns County Florida | 1 | $ 417,000 | $ 417,000 | $ 200,000 |
| Bartow County Georgia | 1 | $ 240,000 | $ 240,000 | $ 74,000 |
| Bryan County Georgia | 1 | $ 335,000 | $ 335,000 | $ 123,000 |
| Cobb County Georgia | 1 | $ 153,000 | $ 153,000 | $ 83,000 |
| DeKalb County Georgia | 1 | $ 332,000 | $ 332,000 | $ 125,000 |
| Richmond County Georgia | 1 | $ 156,000 | $ 156,000 | $ 54,000 |
| Walker County Georgia | 1 | $ 85,000 | $ 85,000 | $ 30,000 |
| Baltimore City County Maryland | 1 | $ 144,000 | $ 144,000 | $ 45,000 |
| Carroll County Maryland | 1 | $ 196,000 | $ 196,000 | $ 131,000 |
| Frederick County Maryland | 1 | $ 630,000 | $ 630,000 | $ 128,000 |
| Mercer County New Jersey | 1 | $ 352,000 | $ 352,000 | $ 103,000 |
| Alexander County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 36,000 |
| Brunswick County North Carolina | 1 | $ 290,000 | $ 290,000 | $ 236,000 |
| Cabarrus County North Carolina | 1 | $ 300,000 | $ 300,000 | $ 156,000 |
| Carteret County North Carolina | 1 | $ 193,000 | $ 193,000 | $ 80,000 |
| Forsyth County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 181,000 |
| Granville County North Carolina | 1 | $ 189,000 | $ 189,000 | $ 126,000 |
| Hertford County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 22,000 |
| Hoke County North Carolina | 1 | $ 112,000 | $ 112,000 | $ 36,000 |
| McDowell County North Carolina | 1 | $ 93,000 | $ 93,000 | $ 32,000 |
| Northampton County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 199,000 |
| Onslow County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 26,000 |
| Pender County North Carolina | 1 | $ 240,000 | $ 240,000 | $ 64,000 |
| Polk County North Carolina | 1 | $ 197,000 | $ 197,000 | $ 125,000 |
| Rockingham County North Carolina | 1 | $ 140,000 | $ 140,000 | $ 78,000 |
| Rowan County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 85,000 |
| Rutherford County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Stanly County North Carolina | 1 | $ 147,000 | $ 147,000 | $ 114,000 |
| Watauga County North Carolina | 1 | $ 173,000 | $ 173,000 | $ 168,000 |
| Newport County Rhode Island | 1 | $ 250,000 | $ 250,000 | $ 276,000 |
| Calhoun County South Carolina | 1 | $ 143,000 | $ 143,000 | $ 65,000 |
| Chester County South Carolina | 1 | $ 180,000 | $ 180,000 | $ 47,000 |
| Colleton County South Carolina | 1 | $ 363,000 | $ 363,000 | $ 108,000 |
| Hampton County South Carolina | 1 | $ 82,000 | $ 82,000 | $ 27,000 |
| Marion County South Carolina | 1 | $ 48,000 | $ 48,000 | $ 31,000 |
| Saluda County South Carolina | 1 | $ 123,000 | $ 123,000 | $ 55,000 |
| Carter County Tennessee | 1 | $ 273,000 | $ 273,000 | $ 250,000 |
| Greene County Tennessee | 1 | $ 66,000 | $ 66,000 | $ 38,000 |
| Jefferson County Tennessee | 1 | $ 410,000 | $ 410,000 | $ 130,000 |
| Meigs County Tennessee | 1 | $ 194,000 | $ 194,000 | $ 70,000 |
| Washington County Tennessee | 1 | $ 180,000 | $ 180,000 | $ 57,000 |
| Harris County Texas | 1 | $ 303,000 | $ 303,000 | $ 61,000 |
| Charles City County Virginia | 1 | $ 158,000 | $ 158,000 | $ 57,000 |
| Charlotte County Virginia | 1 | $ 74,000 | $ 74,000 | $ 39,000 |
| Dinwiddie County Virginia | 1 | $ 134,000 | $ 134,000 | $ 69,000 |
| Fairfax City County Virginia | 1 | $ 382,000 | $ 382,000 | $ 127,000 |
| Fauquier County Virginia | 1 | $ 127,000 | $ 127,000 | $ 73,000 |
| Gloucester County Virginia | 1 | $ 675,000 | $ 675,000 | $ 23,000 |
| Grayson County Virginia | 1 | $ 25,000 | $ 25,000 | $ 105,000 |
| Hampton County Virginia | 1 | $ 123,000 | $ 123,000 | $ 68,000 |
| Henry County Virginia | 1 | $ 74,000 | $ 74,000 | $ 16,000 |
| James City County Virginia | 1 | $ 100,000 | $ 100,000 | $ 126,000 |
| Lancaster County Virginia | 1 | $ 88,000 | $ 88,000 | $ 29,000 |
| Loudoun County Virginia | 1 | $ 236,000 | $ 236,000 | $ 32,000 |
| Manassas County Virginia | 1 | $ 161,000 | $ 161,000 | $ 67,000 |
| Norfolk County Virginia | 1 | $ 417,000 | $ 417,000 | $ 98,000 |
| Nottoway County Virginia | 1 | $ 3,000 | $ 3,000 | $ 66,000 |
| Portsmouth County Virginia | 1 | $ 66,000 | $ 66,000 | $ 14,000 |
| Powhatan County Virginia | 1 | $ 211,000 | $ 211,000 | $ 82,000 |
| York County Virginia | 1 | $ 175,000 | $ 175,000 | $ 123,000 |
| Clay County West Virginia | 1 | $ 117,000 | $ 117,000 | $ 64,000 |
| Mercer County West Virginia | 1 | $ 116,000 | $ 116,000 | $ 72,000 |
| Raleigh County West Virginia | 1 | $ 66,000 | $ 66,000 | $ 97,000 |
Mortgage Loan Application Detail Totals for Stellarone Bank 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 | 2,290 | $441,565,000 | $192,000 | $990,000 | $96,000 | $1,883,000 |
| Home Purchase | 1,473 | $221,272,000 | $150,000 | $1,400,000 | $68,000 | $1,395,000 |
| Home Improvement | 224 | $8,780,000 | $39,000 | $364,000 | $57,000 | $316,000 |
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 | 3,338 | $559,277,000 | $167,000 | $1,400,000 | $83,000 | $1,641,000 |
| Not Provided | 351 | $69,598,000 | $198,000 | $990,000 | $105,000 | $1,883,000 |
| Black or African American | 159 | $19,719,000 | $124,000 | $549,000 | $49,000 | $420,000 |
| Hispanic | 67 | $9,377,000 | $139,000 | $472,000 | $65,000 | $358,000 |
| Not applicable | 39 | $6,907,000 | $177,000 | $775,000 | $93,000 | $1,320,000 |
| Asian | 27 | $5,423,000 | $200,000 | $417,000 | $86,000 | $338,000 |
| American Indian or Alaskan Native | 5 | $1,061,000 | $212,000 | $352,000 | $101,000 | $132,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $255,000 | $255,000 | $255,000 | $80,000 | $80,000 |
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) | 2,922 | $520,789,000 | $178,000 | $1,400,000 | $96,000 | $1,883,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 635 | $78,948,000 | $124,000 | $295,000 | $42,000 | $94,000 |
| FHA-insured (Federal Housing Administration) | 364 | $58,715,000 | $161,000 | $368,000 | $61,000 | $420,000 |
| VA-guaranteed (Veterans Administration) | 66 | $13,165,000 | $199,000 | $558,000 | $68,000 | $297,000 |
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 | 3,248 | $561,343,000 | $172,000 | $990,000 | $86,000 | $1,883,000 |
| Application Denied By Financial Institution | 350 | $40,428,000 | $115,000 | $1,016,000 | $62,000 | $660,000 |
| Application Withdrawn By Applicant | 188 | $32,402,000 | $172,000 | $558,000 | $77,000 | $363,000 |
| File Closed For Incompleteness | 111 | $26,470,000 | $238,000 | $1,400,000 | $109,000 | $1,011,000 |
| Application Approved But Not Accepted | 90 | $10,974,000 | $121,000 | $1,017,000 | $79,000 | $387,000 |
| 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 | 113 | $7,673,000 | $67,000 | $770,000 | $45,000 | $168,000 |
| Debt-To-Income Ratio | 85 | $8,834,000 | $103,000 | $627,000 | $55,000 | $283,000 |
| Collateral | 80 | $13,020,000 | $162,000 | $564,000 | $86,000 | $660,000 |
| Other | 45 | $5,462,000 | $121,000 | $417,000 | $61,000 | $196,000 |
| Employment History | 10 | $1,862,000 | $186,000 | $396,000 | $68,000 | $147,000 |
| Unverifiable Information | 6 | $1,592,000 | $265,000 | $1,016,000 | $99,000 | $344,000 |
| Mortgage Insurance Denied | 6 | $1,051,000 | $175,000 | $404,000 | $74,000 | $129,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $899,000 | $224,000 | $256,000 | $85,000 | $120,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stellarone Bank'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 Stellarone 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.
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