The Old Point National Bank Of Phoebus
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
The Old Point National Bank Of Phoebus 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 | The Old Point National Bank Of Phoebus 1 W Mellen Street Hampton, VA 23663 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 338 |
| Total Mortgage Loan Application Amount | $46,517,000 |
| Average Mortgage Loan Application Amount | $145,333 |
| Highest Mortgage Loan Application Amount | $5,672,000 |
| Average Applicant Income | $86,333 |
| Highest Applicant Income | $1,562,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 with The Old Point National Bank Of Phoebus. 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 The Old Point National Bank Of Phoebus's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2014 breaks down The Old Point National Bank Of Phoebus'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 The Old Point National Bank Of Phoebus serves its applicants.
Each category highlights the total number of mortgage applications processed by The Old Point National Bank Of Phoebus, 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 The Old Point National Bank Of Phoebus'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 |
|---|---|---|---|---|
| Hampton County Virginia | 62 | $ 14,885,000 | $ 240,000 | $ 90,000 |
| Virginia Beach County Virginia | 39 | $ 6,861,000 | $ 175,000 | $ 124,000 |
| Newport News County Virginia | 16 | $ 2,537,000 | $ 158,000 | $ 77,000 |
| James City County Virginia | 12 | $ 3,128,000 | $ 260,000 | $ 147,000 |
| Chesapeake County Virginia | 11 | $ 1,567,000 | $ 142,000 | $ 127,000 |
| Norfolk County Virginia | 9 | $ 1,802,000 | $ 200,000 | $ 60,000 |
| York County Virginia | 6 | $ 969,000 | $ 161,000 | $ 154,000 |
| Gloucester County Virginia | 4 | $ 210,000 | $ 52,000 | $ 63,000 |
| Isle of Wight County Virginia | 4 | $ 924,000 | $ 231,000 | $ 106,000 |
| Poquoson County Virginia | 4 | $ 678,000 | $ 169,000 | $ 139,000 |
| Jefferson County Arkansas | 3 | $ 186,000 | $ 62,000 | $ 42,000 |
| Ascension County Louisiana | 3 | $ 163,000 | $ 54,000 | $ 51,000 |
| Caddo County Louisiana | 3 | $ 184,000 | $ 61,000 | $ 61,000 |
| De Soto County Louisiana | 3 | $ 228,000 | $ 76,000 | $ 82,000 |
| Jones County Mississippi | 3 | $ 190,000 | $ 63,000 | $ 46,000 |
| Caldwell County Texas | 3 | $ 162,000 | $ 54,000 | $ 52,000 |
| Jasper County Texas | 3 | $ 217,000 | $ 72,000 | $ 55,000 |
| Portsmouth County Virginia | 3 | $ 231,000 | $ 77,000 | $ 9,000 |
| Suffolk County Virginia | 3 | $ 327,000 | $ 109,000 | $ 85,000 |
| Baldwin County Alabama | 2 | $ 82,000 | $ 41,000 | $ 88,000 |
| Walker County Alabama | 2 | $ 142,000 | $ 71,000 | $ 77,000 |
| Winston County Alabama | 2 | $ 102,000 | $ 51,000 | $ 60,000 |
| Crawford County Arkansas | 2 | $ 129,000 | $ 64,000 | $ 33,000 |
| East Feliciana County Louisiana | 2 | $ 100,000 | $ 50,000 | $ 33,000 |
| Franklin County Louisiana | 2 | $ 269,000 | $ 134,000 | $ 127,000 |
| Iberville County Louisiana | 2 | $ 85,000 | $ 42,000 | $ 38,000 |
| Livingston County Louisiana | 2 | $ 161,000 | $ 80,000 | $ 130,000 |
| Sabine County Louisiana | 2 | $ 207,000 | $ 103,000 | $ 115,000 |
| West Carroll County Louisiana | 2 | $ 293,000 | $ 146,000 | $ 85,000 |
| Lincoln County Mississippi | 2 | $ 40,000 | $ 20,000 | $ 58,000 |
| Warren County Mississippi | 2 | $ 212,000 | $ 106,000 | $ 91,000 |
| Currituck County North Carolina | 2 | $ 389,000 | $ 194,000 | $ 115,000 |
| Carter County Oklahoma | 2 | $ 225,000 | $ 112,000 | $ 60,000 |
| Delaware County Oklahoma | 2 | $ 113,000 | $ 56,000 | $ 53,000 |
| Wood County Texas | 2 | $ 127,000 | $ 63,000 | $ 90,000 |
| Montgomery County Virginia | 2 | $ 368,000 | $ 184,000 | $ 109,000 |
| Surry County Virginia | 2 | $ 169,000 | $ 84,000 | $ 61,000 |
| Bibb County Alabama | 1 | $ 92,000 | $ 92,000 | $ 62,000 |
| Butler County Alabama | 1 | $ 59,000 | $ 59,000 | $ 37,000 |
| Chambers County Alabama | 1 | $ 51,000 | $ 51,000 | $ 69,000 |
| Cullman County Alabama | 1 | $ 47,000 | $ 47,000 | $ 35,000 |
| Fayette County Alabama | 1 | $ 78,000 | $ 78,000 | $ 82,000 |
| Jefferson County Alabama | 1 | $ 54,000 | $ 54,000 | $ 37,000 |
| Lauderdale County Alabama | 1 | $ 84,000 | $ 84,000 | $ 53,000 |
| Montgomery County Alabama | 1 | $ 46,000 | $ 46,000 | $ 21,000 |
| St. Clair County Alabama | 1 | $ 148,000 | $ 148,000 | $ 68,000 |
| Talladega County Alabama | 1 | $ 72,000 | $ 72,000 | $ 104,000 |
| Tuscaloosa County Alabama | 1 | $ 74,000 | $ 74,000 | $ 63,000 |
| Arkansas County Arkansas | 1 | $ 84,000 | $ 84,000 | $ 43,000 |
| Ashley County Arkansas | 1 | $ 28,000 | $ 28,000 | $ 60,000 |
| Benton County Arkansas | 1 | $ 43,000 | $ 43,000 | $ 29,000 |
| Craighead County Arkansas | 1 | $ 40,000 | $ 40,000 | $ 28,000 |
| Drew County Arkansas | 1 | $ 30,000 | $ 30,000 | $ 139,000 |
| Faulkner County Arkansas | 1 | $ 88,000 | $ 88,000 | $ 112,000 |
| Franklin County Arkansas | 1 | $ 76,000 | $ 76,000 | $ 67,000 |
| Greene County Arkansas | 1 | $ 82,000 | $ 82,000 | $ 56,000 |
| Jackson County Arkansas | 1 | $ 81,000 | $ 81,000 | $ 85,000 |
| Little River County Arkansas | 1 | $ 50,000 | $ 50,000 | $ 44,000 |
| Mississippi County Arkansas | 1 | $ 72,000 | $ 72,000 | $ 52,000 |
| Polk County Arkansas | 1 | $ 62,000 | $ 62,000 | $ 63,000 |
| Saline County Arkansas | 1 | $ 63,000 | $ 63,000 | $ 49,000 |
| Union County Arkansas | 1 | $ 126,000 | $ 126,000 | $ 41,000 |
| Van Buren County Arkansas | 1 | $ 51,000 | $ 51,000 | $ 42,000 |
| White County Arkansas | 1 | $ 58,000 | $ 58,000 | $ 77,000 |
| District of Columbia County District Of Columbia | 1 | $ 203,000 | $ 203,000 | $ 43,000 |
| Columbia County Florida | 1 | $ 97,000 | $ 97,000 | $ 42,000 |
| Lake County Florida | 1 | $ 83,000 | $ 83,000 | $ 57,000 |
| Suwannee County Florida | 1 | $ 112,000 | $ 112,000 | $ 51,000 |
| Appling County Georgia | 1 | $ 80,000 | $ 80,000 | $ 80,000 |
| Coffee County Georgia | 1 | $ 56,000 | $ 56,000 | $ 38,000 |
| Gilmer County Georgia | 1 | $ 70,000 | $ 70,000 | $ 62,000 |
| Laurens County Georgia | 1 | $ 40,000 | $ 40,000 | $ 61,000 |
| Peach County Georgia | 1 | $ 63,000 | $ 63,000 | $ 48,000 |
| Pierce County Georgia | 1 | $ 33,000 | $ 33,000 | $ 28,000 |
| Towns County Georgia | 1 | $ 74,000 | $ 74,000 | $ 64,000 |
| Allen County Louisiana | 1 | $ 23,000 | $ 23,000 | $ 78,000 |
| Bienville County Louisiana | 1 | $ 30,000 | $ 30,000 | $ 16,000 |
| Calcasieu County Louisiana | 1 | $ 81,000 | $ 81,000 | $ 120,000 |
| Caldwell County Louisiana | 1 | $ 69,000 | $ 69,000 | $ 38,000 |
| Cameron County Louisiana | 1 | $ 38,000 | $ 38,000 | $ 28,000 |
| Grant County Louisiana | 1 | $ 134,000 | $ 134,000 | $ 169,000 |
| Jackson County Louisiana | 1 | $ 90,000 | $ 90,000 | $ 165,000 |
| Lincoln County Louisiana | 1 | $ 51,000 | $ 51,000 | $ 35,000 |
| Natchitoches County Louisiana | 1 | $ 81,000 | $ 81,000 | $ 49,000 |
| Ouachita County Louisiana | 1 | $ 49,000 | $ 49,000 | $ 30,000 |
| Pointe Coupee County Louisiana | 1 | $ 47,000 | $ 47,000 | $ 44,000 |
| St. Mary County Louisiana | 1 | $ 48,000 | $ 48,000 | $ 37,000 |
| St. Tammany County Louisiana | 1 | $ 33,000 | $ 33,000 | $ 24,000 |
| Tensas County Louisiana | 1 | $ 47,000 | $ 47,000 | $ 37,000 |
| Terrebonne County Louisiana | 1 | $ 39,000 | $ 39,000 | $ 53,000 |
| Vernon County Louisiana | 1 | $ 44,000 | $ 44,000 | $ 59,000 |
| Carroll County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 102,000 |
| Forrest County Mississippi | 1 | $ 53,000 | $ 53,000 | $ 34,000 |
| Greene County Mississippi | 1 | $ 87,000 | $ 87,000 | $ 52,000 |
| Holmes County Mississippi | 1 | $ 35,000 | $ 35,000 | $ 30,000 |
| Itawamba County Mississippi | 1 | $ 33,000 | $ 33,000 | $ 28,000 |
| Kemper County Mississippi | 1 | $ 56,000 | $ 56,000 | $ 43,000 |
| Lauderdale County Mississippi | 1 | $ 33,000 | $ 33,000 | $ 22,000 |
| Prentiss County Mississippi | 1 | $ 68,000 | $ 68,000 | $ 58,000 |
| Simpson County Mississippi | 1 | $ 103,000 | $ 103,000 | $ 85,000 |
| Union County Mississippi | 1 | $ 63,000 | $ 63,000 | $ 41,000 |
| Chaves County New Mexico | 1 | $ 58,000 | $ 58,000 | $ 69,000 |
| Dare County North Carolina | 1 | $ 157,000 | $ 157,000 | $ 108,000 |
| Nash County North Carolina | 1 | $ 86,000 | $ 86,000 | $ 45,000 |
| Pasquotank County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 45,000 |
| Wilson County North Carolina | 1 | $ 29,000 | $ 29,000 | $ 25,000 |
| Alfalfa County Oklahoma | 1 | $ 91,000 | $ 91,000 | $ 75,000 |
| Canadian County Oklahoma | 1 | $ 83,000 | $ 83,000 | $ 73,000 |
| Cleveland County Oklahoma | 1 | $ 38,000 | $ 38,000 | $ 33,000 |
| Garfield County Oklahoma | 1 | $ 54,000 | $ 54,000 | $ 66,000 |
| Haskell County Oklahoma | 1 | $ 90,000 | $ 90,000 | $ 90,000 |
| Major County Oklahoma | 1 | $ 57,000 | $ 57,000 | $ 64,000 |
| McCurtain County Oklahoma | 1 | $ 43,000 | $ 43,000 | $ 67,000 |
| Oklahoma County Oklahoma | 1 | $ 50,000 | $ 50,000 | $ 35,000 |
| Pottawatomie County Oklahoma | 1 | $ 83,000 | $ 83,000 | $ 55,000 |
| Roger Mills County Oklahoma | 1 | $ 104,000 | $ 104,000 | $ 89,000 |
| Rogers County Oklahoma | 1 | $ 99,000 | $ 99,000 | $ 36,000 |
| Tulsa County Oklahoma | 1 | $ 49,000 | $ 49,000 | $ 68,000 |
| Woods County Oklahoma | 1 | $ 48,000 | $ 48,000 | $ 50,000 |
| Charleston County South Carolina | 1 | $ 83,000 | $ 83,000 | $ 30,000 |
| Horry County South Carolina | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Williamsburg County South Carolina | 1 | $ 112,000 | $ 112,000 | $ 67,000 |
| Blount County Tennessee | 1 | $ 67,000 | $ 67,000 | $ 66,000 |
| Bradley County Tennessee | 1 | $ 46,000 | $ 46,000 | $ 23,000 |
| Hamilton County Tennessee | 1 | $ 36,000 | $ 36,000 | $ 31,000 |
| White County Tennessee | 1 | $ 80,000 | $ 80,000 | $ 138,000 |
| Atascosa County Texas | 1 | $ 79,000 | $ 79,000 | $ 35,000 |
| Bell County Texas | 1 | $ 125,000 | $ 125,000 | $ 144,000 |
| Cameron County Texas | 1 | $ 54,000 | $ 54,000 | $ 41,000 |
| Fort Bend County Texas | 1 | $ 24,000 | $ 24,000 | $ 25,000 |
| Grimes County Texas | 1 | $ 34,000 | $ 34,000 | $ 44,000 |
| Guadalupe County Texas | 1 | $ 79,000 | $ 79,000 | $ 75,000 |
| Harrison County Texas | 1 | $ 53,000 | $ 53,000 | $ 36,000 |
| Kaufman County Texas | 1 | $ 83,000 | $ 83,000 | $ 45,000 |
| Leon County Texas | 1 | $ 36,000 | $ 36,000 | $ 113,000 |
| McLennan County Texas | 1 | $ 51,000 | $ 51,000 | $ 72,000 |
| Midland County Texas | 1 | $ 126,000 | $ 126,000 | $ 60,000 |
| Orange County Texas | 1 | $ 76,000 | $ 76,000 | $ 50,000 |
| Panola County Texas | 1 | $ 127,000 | $ 127,000 | $ 75,000 |
| Polk County Texas | 1 | $ 134,000 | $ 134,000 | $ 192,000 |
| Van Zandt County Texas | 1 | $ 55,000 | $ 55,000 | $ 58,000 |
| Chesterfield County Virginia | 1 | $ 215,000 | $ 215,000 | $ 70,000 |
| King William County Virginia | 1 | $ 116,000 | $ 116,000 | $ 35,000 |
| New Kent County Virginia | 1 | $ 176,000 | $ 176,000 | $ 62,000 |
| Williamsburg County Virginia | 1 | $ 134,000 | $ 134,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for The Old Point National Bank Of Phoebus 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 | 217 | $26,343,000 | $121,000 | $1,330,000 | $81,000 | $374,000 |
| Refinancing | 66 | $16,762,000 | $253,000 | $5,672,000 | $78,000 | $503,000 |
| Home Improvement | 55 | $3,412,000 | $62,000 | $404,000 | $100,000 | $1,562,000 |
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 | 262 | $29,978,000 | $114,000 | $740,000 | $96,000 | $1,562,000 |
| Not applicable | 32 | $11,358,000 | $354,000 | $5,672,000 | $0 | $0 |
| Black or African American | 21 | $1,603,000 | $76,000 | $512,000 | $56,000 | $232,000 |
| Hispanic | 11 | $1,060,000 | $96,000 | $375,000 | $53,000 | $135,000 |
| Not Provided | 5 | $662,000 | $132,000 | $251,000 | $58,000 | $92,000 |
| American Indian or Alaskan Native | 3 | $88,000 | $29,000 | $38,000 | $142,000 | $197,000 |
| Asian | 3 | $1,552,000 | $517,000 | $1,330,000 | $156,000 | $328,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $216,000 | $216,000 | $216,000 | $89,000 | $89,000 |
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) | 338 | $46,517,000 | $137,000 | $5,672,000 | $83,000 | $1,562,000 |
| 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 Purchased By The Institution | 219 | $28,874,000 | $131,000 | $1,330,000 | $87,000 | $1,562,000 |
| Loan Originated | 82 | $16,218,000 | $197,000 | $5,672,000 | $82,000 | $503,000 |
| Application Denied By Financial Institution | 20 | $444,000 | $22,000 | $65,000 | $55,000 | $174,000 |
| Application Withdrawn By Applicant | 7 | $539,000 | $77,000 | $175,000 | $85,000 | $197,000 |
| Application Approved But Not Accepted | 6 | $369,000 | $61,000 | $136,000 | $91,000 | $197,000 |
| File Closed For Incompleteness | 4 | $73,000 | $18,000 | $40,000 | $56,000 | $95,000 |
| 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 | 10 | $176,000 | $17,000 | $65,000 | $52,000 | $139,000 |
| Debt-To-Income Ratio | 6 | $145,000 | $24,000 | $50,000 | $69,000 | $174,000 |
| Other | 3 | $113,000 | $37,000 | $60,000 | $31,000 | $94,000 |
| Collateral | 1 | $10,000 | $10,000 | $10,000 | $69,000 | $69,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 The Old Point National Bank Of Phoebus'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 The Old Point National Bank Of Phoebus'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.