Stellarone Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
Stellarone Bank 2014 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 | 465 |
| Total Mortgage Loan Application Amount | $77,336,000 |
| Average Mortgage Loan Application Amount | $135,666 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $74,666 |
| Highest Applicant Income | $645,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 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 2014 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 2014.
| 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 | 47 | $ 7,121,000 | $ 151,000 | $ 60,000 |
| Bedford County Virginia | 36 | $ 6,034,000 | $ 167,000 | $ 78,000 |
| Culpeper County Virginia | 32 | $ 5,669,000 | $ 177,000 | $ 82,000 |
| Roanoke County Virginia | 30 | $ 5,277,000 | $ 175,000 | $ 54,000 |
| Augusta County Virginia | 24 | $ 2,817,000 | $ 117,000 | $ 53,000 |
| Pulaski County Virginia | 24 | $ 2,213,000 | $ 92,000 | $ 54,000 |
| Orange County Virginia | 17 | $ 2,930,000 | $ 172,000 | $ 69,000 |
| Madison County Virginia | 16 | $ 1,280,000 | $ 80,000 | $ 67,000 |
| Roanoke City County Virginia | 15 | $ 1,428,000 | $ 95,000 | $ 54,000 |
| Spotsylvania County Virginia | 15 | $ 4,253,000 | $ 283,000 | $ 124,000 |
| Albemarle County Virginia | 13 | $ 2,768,000 | $ 212,000 | $ 107,000 |
| Floyd County Virginia | 13 | $ 1,192,000 | $ 91,000 | $ 41,000 |
| Campbell County Virginia | 11 | $ 1,324,000 | $ 120,000 | $ 65,000 |
| Lynchburg County Virginia | 10 | $ 1,203,000 | $ 120,000 | $ 72,000 |
| Staunton County Virginia | 10 | $ 936,000 | $ 93,000 | $ 48,000 |
| Botetourt County Virginia | 9 | $ 1,470,000 | $ 163,000 | $ 54,000 |
| Giles County Virginia | 9 | $ 614,000 | $ 68,000 | $ 49,000 |
| Stafford County Virginia | 9 | $ 3,021,000 | $ 335,000 | $ 128,000 |
| Wythe County Virginia | 9 | $ 411,000 | $ 45,000 | $ 51,000 |
| Amherst County Virginia | 8 | $ 1,086,000 | $ 135,000 | $ 62,000 |
| Richmond City County Virginia | 8 | $ 1,967,000 | $ 245,000 | $ 142,000 |
| Salem County Virginia | 8 | $ 1,571,000 | $ 196,000 | $ 89,000 |
| Radford County Virginia | 6 | $ 550,000 | $ 91,000 | $ 99,000 |
| Caroline County Virginia | 5 | $ 880,000 | $ 176,000 | $ 57,000 |
| Fairfax County Virginia | 4 | $ 2,944,000 | $ 736,000 | $ 230,000 |
| Franklin County Virginia | 4 | $ 1,014,000 | $ 253,000 | $ 127,000 |
| Louisa County Virginia | 4 | $ 1,405,000 | $ 351,000 | $ 125,000 |
| Newport News County Virginia | 4 | $ 632,000 | $ 158,000 | $ 121,000 |
| Norfolk County Virginia | 4 | $ 1,319,000 | $ 329,000 | $ 117,000 |
| Chesapeake County Virginia | 3 | $ 392,000 | $ 130,000 | $ 21,000 |
| Covington County Virginia | 3 | $ 9,000 | $ 3,000 | $ 13,000 |
| Fredericksburg County Virginia | 3 | $ 1,829,000 | $ 609,000 | $ 297,000 |
| Henrico County Virginia | 3 | $ 813,000 | $ 271,000 | $ 95,000 |
| Rockingham County Virginia | 3 | $ 495,000 | $ 165,000 | $ 64,000 |
| Alleghany County Virginia | 2 | $ 75,000 | $ 37,000 | $ 54,000 |
| Bedford City County Virginia | 2 | $ 138,000 | $ 69,000 | $ 24,000 |
| Carroll County Virginia | 2 | $ 224,000 | $ 112,000 | $ 70,000 |
| Charlottesville County Virginia | 2 | $ 418,000 | $ 209,000 | $ 197,000 |
| Fauquier County Virginia | 2 | $ 478,000 | $ 239,000 | $ 66,000 |
| Greene County Virginia | 2 | $ 13,000 | $ 6,000 | $ 53,000 |
| King George County Virginia | 2 | $ 673,000 | $ 336,000 | $ 95,000 |
| Nelson County Virginia | 2 | $ 645,000 | $ 322,000 | $ 128,000 |
| Prince William County Virginia | 2 | $ 985,000 | $ 492,000 | $ 271,000 |
| Rappahannock County Virginia | 2 | $ 19,000 | $ 9,000 | $ 32,000 |
| Rockbridge County Virginia | 2 | $ 45,000 | $ 22,000 | $ 48,000 |
| Suffolk County Virginia | 2 | $ 617,000 | $ 308,000 | $ 81,000 |
| Virginia Beach County Virginia | 2 | $ 204,000 | $ 102,000 | $ 28,000 |
| Waynesboro County Virginia | 2 | $ 294,000 | $ 147,000 | $ 67,000 |
| Mercer County West Virginia | 2 | $ 279,000 | $ 139,000 | $ 55,000 |
| Carroll County Georgia | 1 | $ 86,000 | $ 86,000 | $ 58,000 |
| Currituck County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 114,000 |
| Knox County Tennessee | 1 | $ 76,000 | $ 76,000 | $ 58,000 |
| Appomattox County Virginia | 1 | $ 84,000 | $ 84,000 | $ 42,000 |
| Arlington County Virginia | 1 | $ 686,000 | $ 686,000 | $ 246,000 |
| Chesterfield County Virginia | 1 | $ 188,000 | $ 188,000 | $ 111,000 |
| Craig County Virginia | 1 | $ 230,000 | $ 230,000 | $ 88,000 |
| Cumberland County Virginia | 1 | $ 19,000 | $ 19,000 | $ 552,000 |
| Fluvanna County Virginia | 1 | $ 413,000 | $ 413,000 | $ 170,000 |
| Lexington County Virginia | 1 | $ 5,000 | $ 5,000 | $ 35,000 |
| Pittsylvania County Virginia | 1 | $ 185,000 | $ 185,000 | $ 95,000 |
| Powhatan County Virginia | 1 | $ 417,000 | $ 417,000 | $ 421,000 |
| Warren County Virginia | 1 | $ 220,000 | $ 220,000 | $ 72,000 |
| Washington County Virginia | 1 | $ 127,000 | $ 127,000 | $ 57,000 |
| York County Virginia | 1 | $ 416,000 | $ 416,000 | $ 119,000 |
| Monroe County West Virginia | 1 | $ 60,000 | $ 60,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for Stellarone Bank in 2014
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 | 258 | $54,435,000 | $210,000 | $1,000,000 | $80,000 | $645,000 |
| Refinancing | 123 | $19,646,000 | $159,000 | $737,000 | $83,000 | $552,000 |
| Home Improvement | 84 | $3,255,000 | $38,000 | $383,000 | $61,000 | $267,000 |
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 | 390 | $62,005,000 | $158,000 | $1,000,000 | $76,000 | $645,000 |
| Black or African American | 27 | $5,028,000 | $186,000 | $535,000 | $107,000 | $552,000 |
| Not applicable | 19 | $3,446,000 | $181,000 | $580,000 | $0 | $0 |
| Not Provided | 18 | $4,555,000 | $253,000 | $660,000 | $127,000 | $460,000 |
| Hispanic | 7 | $1,596,000 | $228,000 | $565,000 | $91,000 | $170,000 |
| Asian | 3 | $667,000 | $222,000 | $450,000 | $172,000 | $327,000 |
| American Indian or Alaskan Native | 1 | $39,000 | $39,000 | $39,000 | $14,000 | $14,000 |
| 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) | 375 | $57,519,000 | $153,000 | $1,000,000 | $79,000 | $645,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $5,424,000 | $146,000 | $284,000 | $50,000 | $79,000 |
| FHA-insured (Federal Housing Administration) | 29 | $5,064,000 | $174,000 | $364,000 | $58,000 | $123,000 |
| VA-guaranteed (Veterans Administration) | 24 | $9,329,000 | $388,000 | $946,000 | $126,000 | $280,000 |
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 | 316 | $50,466,000 | $159,000 | $779,000 | $73,000 | $470,000 |
| Application Denied By Financial Institution | 62 | $5,327,000 | $85,000 | $474,000 | $57,000 | $552,000 |
| Application Withdrawn By Applicant | 52 | $12,973,000 | $249,000 | $1,000,000 | $114,000 | $645,000 |
| File Closed For Incompleteness | 18 | $3,988,000 | $221,000 | $520,000 | $103,000 | $447,000 |
| Application Approved But Not Accepted | 17 | $4,582,000 | $269,000 | $946,000 | $97,000 | $265,000 |
| 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 | 42 | $2,169,000 | $51,000 | $357,000 | $59,000 | $552,000 |
| Debt-To-Income Ratio | 11 | $2,225,000 | $202,000 | $474,000 | $54,000 | $135,000 |
| Collateral | 5 | $388,000 | $77,000 | $133,000 | $55,000 | $96,000 |
| Other | 2 | $198,000 | $99,000 | $114,000 | $54,000 | $66,000 |
| Employment History | 2 | $347,000 | $173,000 | $237,000 | $40,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stellarone Bank's 2014 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.
For a list of all lenders in Virginia, download the full spreadsheet
with aggregated HMDA statistics today.