Stellarone Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Stellarone 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 | 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 | 2,774 |
| Total Mortgage Loan Application Amount | $465,925,000 |
| Average Mortgage Loan Application Amount | $141,000 |
| Highest Mortgage Loan Application Amount | $3,030,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $1,405,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 279 | $ 41,747,000 | $ 149,000 | $ 69,000 |
| Roanoke County Virginia | 215 | $ 35,610,000 | $ 165,000 | $ 81,000 |
| Bedford County Virginia | 171 | $ 25,395,000 | $ 148,000 | $ 75,000 |
| Pulaski County Virginia | 140 | $ 13,658,000 | $ 97,000 | $ 54,000 |
| Roanoke City County Virginia | 138 | $ 21,806,000 | $ 158,000 | $ 77,000 |
| Augusta County Virginia | 134 | $ 15,672,000 | $ 116,000 | $ 61,000 |
| Culpeper County Virginia | 131 | $ 20,191,000 | $ 154,000 | $ 85,000 |
| Spotsylvania County Virginia | 105 | $ 27,497,000 | $ 261,000 | $ 116,000 |
| Madison County Virginia | 84 | $ 9,173,000 | $ 109,000 | $ 65,000 |
| Floyd County Virginia | 81 | $ 9,589,000 | $ 118,000 | $ 57,000 |
| Albemarle County Virginia | 75 | $ 21,744,000 | $ 289,000 | $ 114,000 |
| Franklin County Virginia | 69 | $ 9,760,000 | $ 141,000 | $ 78,000 |
| Salem County Virginia | 56 | $ 7,354,000 | $ 131,000 | $ 78,000 |
| Orange County Virginia | 55 | $ 8,165,000 | $ 148,000 | $ 72,000 |
| Staunton County Virginia | 55 | $ 6,927,000 | $ 125,000 | $ 66,000 |
| Botetourt County Virginia | 54 | $ 11,092,000 | $ 205,000 | $ 76,000 |
| Caroline County Virginia | 45 | $ 5,921,000 | $ 131,000 | $ 61,000 |
| Rockingham County Virginia | 43 | $ 8,495,000 | $ 197,000 | $ 106,000 |
| Giles County Virginia | 41 | $ 4,019,000 | $ 98,000 | $ 49,000 |
| Radford County Virginia | 40 | $ 7,878,000 | $ 196,000 | $ 69,000 |
| Greenville County South Carolina | 38 | $ 7,065,000 | $ 185,000 | $ 79,000 |
| Wythe County Virginia | 38 | $ 3,468,000 | $ 91,000 | $ 66,000 |
| Charlottesville County Virginia | 36 | $ 6,827,000 | $ 189,000 | $ 88,000 |
| Campbell County Virginia | 34 | $ 4,340,000 | $ 127,000 | $ 51,000 |
| Stafford County Virginia | 34 | $ 9,657,000 | $ 284,000 | $ 96,000 |
| Waynesboro County Virginia | 31 | $ 4,812,000 | $ 155,000 | $ 76,000 |
| Lynchburg County Virginia | 24 | $ 4,081,000 | $ 170,000 | $ 47,000 |
| Rockbridge County Virginia | 22 | $ 2,508,000 | $ 114,000 | $ 62,000 |
| Virginia Beach County Virginia | 22 | $ 5,628,000 | $ 255,000 | $ 104,000 |
| Bedford City County Virginia | 20 | $ 3,561,000 | $ 178,000 | $ 75,000 |
| Buena Vista County Virginia | 20 | $ 1,788,000 | $ 89,000 | $ 54,000 |
| Henrico County Virginia | 19 | $ 4,086,000 | $ 215,000 | $ 133,000 |
| Harrisonburg County Virginia | 18 | $ 2,653,000 | $ 147,000 | $ 144,000 |
| Hanover County Virginia | 17 | $ 4,785,000 | $ 281,000 | $ 91,000 |
| Richmond City County Virginia | 17 | $ 2,841,000 | $ 167,000 | $ 127,000 |
| Fredericksburg County Virginia | 16 | $ 3,912,000 | $ 244,000 | $ 68,000 |
| Louisa County Virginia | 16 | $ 2,887,000 | $ 180,000 | $ 72,000 |
| Chesterfield County Virginia | 14 | $ 4,686,000 | $ 334,000 | $ 138,000 |
| Oconee County South Carolina | 12 | $ 2,145,000 | $ 178,000 | $ 79,000 |
| Fluvanna County Virginia | 12 | $ 2,681,000 | $ 223,000 | $ 69,000 |
| Greene County Virginia | 12 | $ 1,724,000 | $ 143,000 | $ 72,000 |
| Chatham County Georgia | 10 | $ 5,440,000 | $ 544,000 | $ 409,000 |
| Alleghany County Virginia | 10 | $ 991,000 | $ 99,000 | $ 48,000 |
| Rappahannock County Virginia | 10 | $ 2,198,000 | $ 219,000 | $ 135,000 |
| Amherst County Virginia | 9 | $ 1,104,000 | $ 122,000 | $ 67,000 |
| Fairfax County Virginia | 9 | $ 5,494,000 | $ 610,000 | $ 176,000 |
| Fauquier County Virginia | 8 | $ 2,379,000 | $ 297,000 | $ 123,000 |
| Goochland County Virginia | 8 | $ 3,057,000 | $ 382,000 | $ 181,000 |
| Prince William County Virginia | 8 | $ 2,896,000 | $ 362,000 | $ 196,000 |
| Lexington County South Carolina | 7 | $ 1,370,000 | $ 195,000 | $ 74,000 |
| Pickens County South Carolina | 7 | $ 1,075,000 | $ 153,000 | $ 76,000 |
| Spartanburg County South Carolina | 7 | $ 1,107,000 | $ 158,000 | $ 73,000 |
| Bland County Virginia | 7 | $ 131,000 | $ 18,000 | $ 46,000 |
| Carroll County Virginia | 7 | $ 1,543,000 | $ 220,000 | $ 50,000 |
| Covington County Virginia | 7 | $ 264,000 | $ 37,000 | $ 46,000 |
| King George County Virginia | 7 | $ 2,046,000 | $ 292,000 | $ 105,000 |
| Richland County South Carolina | 6 | $ 974,000 | $ 162,000 | $ 56,000 |
| Chesapeake County Virginia | 6 | $ 1,957,000 | $ 326,000 | $ 68,000 |
| Shenandoah County Virginia | 6 | $ 349,000 | $ 58,000 | $ 37,000 |
| Tazewell County Virginia | 6 | $ 822,000 | $ 137,000 | $ 67,000 |
| Craig County Virginia | 5 | $ 1,202,000 | $ 240,000 | $ 99,000 |
| Nelson County Virginia | 5 | $ 1,356,000 | $ 271,000 | $ 134,000 |
| Anderson County South Carolina | 4 | $ 649,000 | $ 162,000 | $ 84,000 |
| Appomattox County Virginia | 4 | $ 874,000 | $ 218,000 | $ 77,000 |
| Norfolk County Virginia | 4 | $ 1,888,000 | $ 472,000 | $ 13,000 |
| Pittsylvania County Virginia | 4 | $ 780,000 | $ 195,000 | $ 65,000 |
| Currituck County North Carolina | 3 | $ 1,194,000 | $ 398,000 | $ 203,000 |
| Dare County North Carolina | 3 | $ 994,000 | $ 331,000 | $ 195,000 |
| Wake County North Carolina | 3 | $ 1,260,000 | $ 420,000 | $ 115,000 |
| Horry County South Carolina | 3 | $ 703,000 | $ 234,000 | $ 118,000 |
| Arlington County Virginia | 3 | $ 1,607,000 | $ 535,000 | $ 220,000 |
| Fairfax City County Virginia | 3 | $ 1,054,000 | $ 351,000 | $ 136,000 |
| Patrick County Virginia | 3 | $ 636,000 | $ 212,000 | $ 68,000 |
| Towns County Georgia | 2 | $ 302,000 | $ 151,000 | $ 59,000 |
| Iredell County North Carolina | 2 | $ 408,000 | $ 204,000 | $ 88,000 |
| Moore County North Carolina | 2 | $ 548,000 | $ 274,000 | $ 137,000 |
| Orange County North Carolina | 2 | $ 978,000 | $ 489,000 | $ 358,000 |
| Aiken County South Carolina | 2 | $ 307,000 | $ 153,000 | $ 77,000 |
| Dillon County South Carolina | 2 | $ 219,000 | $ 109,000 | $ 65,000 |
| Greenwood County South Carolina | 2 | $ 168,000 | $ 84,000 | $ 61,000 |
| York County South Carolina | 2 | $ 343,000 | $ 171,000 | $ 96,000 |
| Accomack County Virginia | 2 | $ 246,000 | $ 123,000 | $ 161,000 |
| Dinwiddie County Virginia | 2 | $ 290,000 | $ 145,000 | $ 63,000 |
| Henry County Virginia | 2 | $ 139,000 | $ 69,000 | $ 37,000 |
| Lexington County Virginia | 2 | $ 430,000 | $ 215,000 | $ 89,000 |
| Loudoun County Virginia | 2 | $ 551,000 | $ 275,000 | $ 80,000 |
| New Kent County Virginia | 2 | $ 451,000 | $ 225,000 | $ 130,000 |
| Newport News County Virginia | 2 | $ 260,000 | $ 130,000 | $ 69,000 |
| Page County Virginia | 2 | $ 188,000 | $ 94,000 | $ 33,000 |
| Powhatan County Virginia | 2 | $ 727,000 | $ 363,000 | $ 237,000 |
| Prince Edward County Virginia | 2 | $ 995,000 | $ 497,000 | $ 62,000 |
| Russell County Virginia | 2 | $ 264,000 | $ 132,000 | $ 38,000 |
| Suffolk County Virginia | 2 | $ 461,000 | $ 230,000 | $ 107,000 |
| Westmoreland County Virginia | 2 | $ 261,000 | $ 130,000 | $ 47,000 |
| Raleigh County West Virginia | 2 | $ 63,000 | $ 31,000 | $ 75,000 |
| San Diego County California | 1 | $ 423,000 | $ 423,000 | $ 0 |
| St. Lucie County Florida | 1 | $ 80,000 | $ 80,000 | $ 166,000 |
| Sumter County Florida | 1 | $ 338,000 | $ 338,000 | $ 242,000 |
| Bibb County Georgia | 1 | $ 208,000 | $ 208,000 | $ 133,000 |
| Glynn County Georgia | 1 | $ 134,000 | $ 134,000 | $ 48,000 |
| Hart County Georgia | 1 | $ 151,000 | $ 151,000 | $ 38,000 |
| Burlington County New Jersey | 1 | $ 5,000 | $ 5,000 | $ 25,000 |
| Brunswick County North Carolina | 1 | $ 218,000 | $ 218,000 | $ 129,000 |
| Buncombe County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 40,000 |
| Cabarrus County North Carolina | 1 | $ 328,000 | $ 328,000 | $ 57,000 |
| Craven County North Carolina | 1 | $ 192,000 | $ 192,000 | $ 48,000 |
| Gaston County North Carolina | 1 | $ 127,000 | $ 127,000 | $ 161,000 |
| Henderson County North Carolina | 1 | $ 507,000 | $ 507,000 | $ 190,000 |
| Lincoln County North Carolina | 1 | $ 171,000 | $ 171,000 | $ 58,000 |
| Mecklenburg County North Carolina | 1 | $ 181,000 | $ 181,000 | $ 74,000 |
| Onslow County North Carolina | 1 | $ 196,000 | $ 196,000 | $ 150,000 |
| Rowan County North Carolina | 1 | $ 208,000 | $ 208,000 | $ 82,000 |
| Union County North Carolina | 1 | $ 190,000 | $ 190,000 | $ 109,000 |
| Abbeville County South Carolina | 1 | $ 199,000 | $ 199,000 | $ 77,000 |
| Beaufort County South Carolina | 1 | $ 345,000 | $ 345,000 | $ 165,000 |
| Charleston County South Carolina | 1 | $ 104,000 | $ 104,000 | $ 21,000 |
| Chesterfield County South Carolina | 1 | $ 121,000 | $ 121,000 | $ 51,000 |
| Dorchester County South Carolina | 1 | $ 200,000 | $ 200,000 | $ 73,000 |
| Kershaw County South Carolina | 1 | $ 122,000 | $ 122,000 | $ 55,000 |
| Laurens County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 135,000 |
| Orangeburg County South Carolina | 1 | $ 143,000 | $ 143,000 | $ 56,000 |
| Saluda County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 44,000 |
| Davidson County Tennessee | 1 | $ 158,000 | $ 158,000 | $ 64,000 |
| Hamilton County Tennessee | 1 | $ 99,000 | $ 99,000 | $ 56,000 |
| Sullivan County Tennessee | 1 | $ 268,000 | $ 268,000 | $ 144,000 |
| Alexandria County Virginia | 1 | $ 126,000 | $ 126,000 | $ 201,000 |
| Bath County Virginia | 1 | $ 142,000 | $ 142,000 | $ 42,000 |
| Brunswick County Virginia | 1 | $ 5,000 | $ 5,000 | $ 30,000 |
| Buckingham County Virginia | 1 | $ 3,000 | $ 3,000 | $ 38,000 |
| Charlotte County Virginia | 1 | $ 175,000 | $ 175,000 | $ 76,000 |
| Cumberland County Virginia | 1 | $ 97,000 | $ 97,000 | $ 90,000 |
| Danville County Virginia | 1 | $ 174,000 | $ 174,000 | $ 43,000 |
| Essex County Virginia | 1 | $ 152,000 | $ 152,000 | $ 32,000 |
| Galax County Virginia | 1 | $ 64,000 | $ 64,000 | $ 12,000 |
| Hampton County Virginia | 1 | $ 3,000 | $ 3,000 | $ 31,000 |
| Highland County Virginia | 1 | $ 51,000 | $ 51,000 | $ 27,000 |
| Hopewell County Virginia | 1 | $ 99,000 | $ 99,000 | $ 31,000 |
| King William County Virginia | 1 | $ 387,000 | $ 387,000 | $ 171,000 |
| Lancaster County Virginia | 1 | $ 417,000 | $ 417,000 | $ 403,000 |
| Manassas County Virginia | 1 | $ 241,000 | $ 241,000 | $ 48,000 |
| Mathews County Virginia | 1 | $ 188,000 | $ 188,000 | $ 94,000 |
| Middlesex County Virginia | 1 | $ 416,000 | $ 416,000 | $ 460,000 |
| Northumberland County Virginia | 1 | $ 360,000 | $ 360,000 | $ 107,000 |
| Portsmouth County Virginia | 1 | $ 459,000 | $ 459,000 | $ 0 |
| Warren County Virginia | 1 | $ 146,000 | $ 146,000 | $ 47,000 |
| York County Virginia | 1 | $ 181,000 | $ 181,000 | $ 55,000 |
| Pierce County Washington | 1 | $ 241,000 | $ 241,000 | $ 0 |
| Kanawha County West Virginia | 1 | $ 132,000 | $ 132,000 | $ 33,000 |
| Mercer County West Virginia | 1 | $ 49,000 | $ 49,000 | $ 36,000 |
| Randolph County West Virginia | 1 | $ 35,000 | $ 35,000 | $ 19,000 |
Mortgage Loan Application Detail Totals for Stellarone 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 | 1,340 | $243,698,000 | $181,000 | $3,030,000 | $87,000 | $1,405,000 |
| Home Purchase | 1,029 | $204,193,000 | $198,000 | $1,512,000 | $80,000 | $665,000 |
| Home Improvement | 405 | $18,034,000 | $44,000 | $750,000 | $55,000 | $364,000 |
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 | 2,405 | $395,327,000 | $164,000 | $1,652,000 | $82,000 | $1,405,000 |
| Black or African American | 109 | $12,829,000 | $117,000 | $707,000 | $62,000 | $348,000 |
| Not applicable | 93 | $29,347,000 | $315,000 | $3,030,000 | $29,000 | $601,000 |
| Not Provided | 92 | $12,202,000 | $132,000 | $1,512,000 | $87,000 | $540,000 |
| Hispanic | 44 | $9,134,000 | $207,000 | $990,000 | $79,000 | $371,000 |
| Asian | 26 | $6,433,000 | $247,000 | $665,000 | $124,000 | $665,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $345,000 | $115,000 | $143,000 | $142,000 | $336,000 |
| American Indian or Alaskan Native | 2 | $308,000 | $154,000 | $275,000 | $46,000 | $75,000 |
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) | 2,227 | $368,420,000 | $165,000 | $3,030,000 | $86,000 | $1,405,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 229 | $32,488,000 | $141,000 | $318,000 | $43,000 | $114,000 |
| FHA-insured (Federal Housing Administration) | 216 | $38,782,000 | $179,000 | $680,000 | $63,000 | $321,000 |
| VA-guaranteed (Veterans Administration) | 102 | $26,235,000 | $257,000 | $840,000 | $73,000 | $368,000 |
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 | 2,034 | $369,297,000 | $181,000 | $3,030,000 | $84,000 | $1,405,000 |
| Application Denied By Financial Institution | 396 | $33,155,000 | $83,000 | $580,000 | $56,000 | $665,000 |
| Application Withdrawn By Applicant | 150 | $33,328,000 | $222,000 | $1,000,000 | $92,000 | $540,000 |
| Application Approved But Not Accepted | 113 | $13,586,000 | $120,000 | $417,000 | $72,000 | $313,000 |
| File Closed For Incompleteness | 55 | $11,213,000 | $203,000 | $1,512,000 | $84,000 | $371,000 |
| Loan Purchased By The Institution | 26 | $5,346,000 | $205,000 | $721,000 | $105,000 | $601,000 |
| 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 | 248 | $10,676,000 | $43,000 | $423,000 | $48,000 | $362,000 |
| Collateral | 57 | $8,111,000 | $142,000 | $467,000 | $73,000 | $286,000 |
| Debt-To-Income Ratio | 54 | $8,664,000 | $160,000 | $580,000 | $53,000 | $204,000 |
| Other | 16 | $3,217,000 | $201,000 | $397,000 | $126,000 | $665,000 |
| Employment History | 10 | $1,212,000 | $121,000 | $168,000 | $26,000 | $68,000 |
| Unverifiable Information | 7 | $682,000 | $97,000 | $150,000 | $65,000 | $134,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $375,000 | $125,000 | $233,000 | $75,000 | $107,000 |
| Credit Application Incomplete | 1 | $218,000 | $218,000 | $218,000 | $105,000 | $105,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stellarone 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 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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with aggregated HMDA statistics today.