The Old Point National Bank Of Phoebus
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
The Old Point National Bank Of Phoebus 2015 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 | 291 |
| Total Mortgage Loan Application Amount | $38,120,000 |
| Average Mortgage Loan Application Amount | $135,333 |
| Highest Mortgage Loan Application Amount | $1,833,000 |
| Average Applicant Income | $111,000 |
| Highest Applicant Income | $1,532,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Virginia Beach County Virginia | 41 | $ 5,156,000 | $ 125,000 | $ 165,000 |
| Hampton County Virginia | 40 | $ 3,868,000 | $ 96,000 | $ 66,000 |
| Newport News County Virginia | 20 | $ 2,026,000 | $ 101,000 | $ 122,000 |
| Norfolk County Virginia | 20 | $ 5,781,000 | $ 289,000 | $ 75,000 |
| Chesapeake County Virginia | 12 | $ 1,625,000 | $ 135,000 | $ 111,000 |
| Poquoson County Virginia | 10 | $ 1,224,000 | $ 122,000 | $ 149,000 |
| York County Virginia | 9 | $ 2,295,000 | $ 255,000 | $ 199,000 |
| Isle of Wight County Virginia | 7 | $ 1,612,000 | $ 230,000 | $ 175,000 |
| James City County Virginia | 7 | $ 1,899,000 | $ 271,000 | $ 120,000 |
| Dare County North Carolina | 4 | $ 945,000 | $ 236,000 | $ 167,000 |
| Aiken County South Carolina | 4 | $ 227,000 | $ 56,000 | $ 33,000 |
| Gloucester County Virginia | 4 | $ 179,000 | $ 44,000 | $ 63,000 |
| Portsmouth County Virginia | 4 | $ 428,000 | $ 107,000 | $ 50,000 |
| Suffolk County Virginia | 4 | $ 399,000 | $ 99,000 | $ 141,000 |
| Saline County Arkansas | 2 | $ 170,000 | $ 85,000 | $ 52,000 |
| Emanuel County Georgia | 2 | $ 194,000 | $ 97,000 | $ 66,000 |
| East Baton Rouge County Louisiana | 2 | $ 130,000 | $ 65,000 | $ 51,000 |
| St. Helena County Louisiana | 2 | $ 245,000 | $ 122,000 | $ 87,000 |
| Terrebonne County Louisiana | 2 | $ 250,000 | $ 125,000 | $ 117,000 |
| Jones County Mississippi | 2 | $ 172,000 | $ 86,000 | $ 38,000 |
| Walthall County Mississippi | 2 | $ 100,000 | $ 50,000 | $ 56,000 |
| Lea County New Mexico | 2 | $ 69,000 | $ 34,000 | $ 28,000 |
| Pickens County South Carolina | 2 | $ 96,000 | $ 48,000 | $ 42,000 |
| Henderson County Texas | 2 | $ 144,000 | $ 72,000 | $ 66,000 |
| Goochland County Virginia | 2 | $ 690,000 | $ 345,000 | $ 264,000 |
| Baldwin County Alabama | 1 | $ 52,000 | $ 52,000 | $ 37,000 |
| Cherokee County Alabama | 1 | $ 50,000 | $ 50,000 | $ 72,000 |
| Chilton County Alabama | 1 | $ 71,000 | $ 71,000 | $ 32,000 |
| Elmore County Alabama | 1 | $ 56,000 | $ 56,000 | $ 29,000 |
| Fayette County Alabama | 1 | $ 75,000 | $ 75,000 | $ 74,000 |
| Henry County Alabama | 1 | $ 82,000 | $ 82,000 | $ 32,000 |
| Jefferson County Alabama | 1 | $ 127,000 | $ 127,000 | $ 54,000 |
| Lamar County Alabama | 1 | $ 85,000 | $ 85,000 | $ 74,000 |
| Marion County Alabama | 1 | $ 138,000 | $ 138,000 | $ 43,000 |
| Mobile County Alabama | 1 | $ 102,000 | $ 102,000 | $ 61,000 |
| Montgomery County Alabama | 1 | $ 24,000 | $ 24,000 | $ 28,000 |
| Pike County Alabama | 1 | $ 53,000 | $ 53,000 | $ 41,000 |
| Shelby County Alabama | 1 | $ 124,000 | $ 124,000 | $ 77,000 |
| St. Clair County Alabama | 1 | $ 94,000 | $ 94,000 | $ 86,000 |
| Talladega County Alabama | 1 | $ 58,000 | $ 58,000 | $ 39,000 |
| Walker County Alabama | 1 | $ 88,000 | $ 88,000 | $ 56,000 |
| Garland County Arkansas | 1 | $ 77,000 | $ 77,000 | $ 79,000 |
| Hot Spring County Arkansas | 1 | $ 98,000 | $ 98,000 | $ 73,000 |
| Jackson County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| Jefferson County Arkansas | 1 | $ 111,000 | $ 111,000 | $ 66,000 |
| St. Francis County Arkansas | 1 | $ 78,000 | $ 78,000 | $ 54,000 |
| Adams County Colorado | 1 | $ 73,000 | $ 73,000 | $ 43,000 |
| Larimer County Colorado | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Weld County Colorado | 1 | $ 53,000 | $ 53,000 | $ 55,000 |
| Lake County Florida | 1 | $ 47,000 | $ 47,000 | $ 54,000 |
| Lee County Florida | 1 | $ 136,000 | $ 136,000 | $ 73,000 |
| Manatee County Florida | 1 | $ 132,000 | $ 132,000 | $ 167,000 |
| Brantley County Georgia | 1 | $ 105,000 | $ 105,000 | $ 61,000 |
| Burke County Georgia | 1 | $ 46,000 | $ 46,000 | $ 22,000 |
| Coffee County Georgia | 1 | $ 70,000 | $ 70,000 | $ 72,000 |
| Columbia County Georgia | 1 | $ 77,000 | $ 77,000 | $ 56,000 |
| Crawford County Georgia | 1 | $ 86,000 | $ 86,000 | $ 46,000 |
| Evans County Georgia | 1 | $ 103,000 | $ 103,000 | $ 75,000 |
| Hancock County Georgia | 1 | $ 68,000 | $ 68,000 | $ 117,000 |
| Miller County Georgia | 1 | $ 88,000 | $ 88,000 | $ 53,000 |
| Peach County Georgia | 1 | $ 98,000 | $ 98,000 | $ 106,000 |
| Seminole County Georgia | 1 | $ 95,000 | $ 95,000 | $ 117,000 |
| Stephens County Georgia | 1 | $ 35,000 | $ 35,000 | $ 13,000 |
| Treutlen County Georgia | 1 | $ 82,000 | $ 82,000 | $ 36,000 |
| Twiggs County Georgia | 1 | $ 101,000 | $ 101,000 | $ 97,000 |
| Bossier County Louisiana | 1 | $ 51,000 | $ 51,000 | $ 33,000 |
| Livingston County Louisiana | 1 | $ 103,000 | $ 103,000 | $ 104,000 |
| Natchitoches County Louisiana | 1 | $ 79,000 | $ 79,000 | $ 46,000 |
| Sabine County Louisiana | 1 | $ 23,000 | $ 23,000 | $ 117,000 |
| Vernon County Louisiana | 1 | $ 96,000 | $ 96,000 | $ 51,000 |
| Alcorn County Mississippi | 1 | $ 41,000 | $ 41,000 | $ 60,000 |
| Neshoba County Mississippi | 1 | $ 79,000 | $ 79,000 | $ 42,000 |
| Noxubee County Mississippi | 1 | $ 136,000 | $ 136,000 | $ 55,000 |
| Pearl River County Mississippi | 1 | $ 72,000 | $ 72,000 | $ 54,000 |
| Prentiss County Mississippi | 1 | $ 68,000 | $ 68,000 | $ 173,000 |
| Rankin County Mississippi | 1 | $ 50,000 | $ 50,000 | $ 54,000 |
| Scott County Mississippi | 1 | $ 77,000 | $ 77,000 | $ 69,000 |
| Union County Mississippi | 1 | $ 129,000 | $ 129,000 | $ 90,000 |
| Washington County Mississippi | 1 | $ 145,000 | $ 145,000 | $ 109,000 |
| Wilkinson County Mississippi | 1 | $ 103,000 | $ 103,000 | $ 33,000 |
| Anson County North Carolina | 1 | $ 36,000 | $ 36,000 | $ 15,000 |
| Currituck County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 157,000 |
| Halifax County North Carolina | 1 | $ 68,000 | $ 68,000 | $ 326,000 |
| Beckham County Oklahoma | 1 | $ 34,000 | $ 34,000 | $ 24,000 |
| Cherokee County Oklahoma | 1 | $ 86,000 | $ 86,000 | $ 55,000 |
| Dewey County Oklahoma | 1 | $ 68,000 | $ 68,000 | $ 55,000 |
| Kay County Oklahoma | 1 | $ 142,000 | $ 142,000 | $ 113,000 |
| Le Flore County Oklahoma | 1 | $ 46,000 | $ 46,000 | $ 27,000 |
| Abbeville County South Carolina | 1 | $ 84,000 | $ 84,000 | $ 132,000 |
| Chesterfield County South Carolina | 1 | $ 69,000 | $ 69,000 | $ 57,000 |
| Colleton County South Carolina | 1 | $ 79,000 | $ 79,000 | $ 125,000 |
| Greenville County South Carolina | 1 | $ 97,000 | $ 97,000 | $ 35,000 |
| Horry County South Carolina | 1 | $ 35,000 | $ 35,000 | $ 46,000 |
| Laurens County South Carolina | 1 | $ 33,000 | $ 33,000 | $ 58,000 |
| Lexington County South Carolina | 1 | $ 84,000 | $ 84,000 | $ 62,000 |
| Oconee County South Carolina | 1 | $ 40,000 | $ 40,000 | $ 45,000 |
| Spartanburg County South Carolina | 1 | $ 77,000 | $ 77,000 | $ 77,000 |
| Union County South Carolina | 1 | $ 45,000 | $ 45,000 | $ 114,000 |
| Monroe County Tennessee | 1 | $ 62,000 | $ 62,000 | $ 37,000 |
| Bastrop County Texas | 1 | $ 91,000 | $ 91,000 | $ 109,000 |
| Bowie County Texas | 1 | $ 30,000 | $ 30,000 | $ 37,000 |
| Guadalupe County Texas | 1 | $ 89,000 | $ 89,000 | $ 43,000 |
| Liberty County Texas | 1 | $ 123,000 | $ 123,000 | $ 63,000 |
| Lubbock County Texas | 1 | $ 100,000 | $ 100,000 | $ 61,000 |
| San Patricio County Texas | 1 | $ 39,000 | $ 39,000 | $ 44,000 |
| Shelby County Texas | 1 | $ 78,000 | $ 78,000 | $ 86,000 |
| Ward County Texas | 1 | $ 78,000 | $ 78,000 | $ 97,000 |
| New Kent County Virginia | 1 | $ 1,833,000 | $ 1,833,000 | $ 1,532,000 |
Mortgage Loan Application Detail Totals for The Old Point National Bank Of Phoebus in 2015
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 | 167 | $20,938,000 | $125,000 | $1,141,000 | $97,000 | $657,000 |
| Home Improvement | 65 | $6,263,000 | $96,000 | $1,760,000 | $89,000 | $264,000 |
| Refinancing | 59 | $10,919,000 | $185,000 | $1,833,000 | $147,000 | $1,532,000 |
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 | 226 | $25,802,000 | $114,000 | $1,833,000 | $115,000 | $1,532,000 |
| Black or African American | 27 | $2,528,000 | $93,000 | $350,000 | $106,000 | $286,000 |
| Not applicable | 16 | $6,853,000 | $428,000 | $1,760,000 | $0 | $0 |
| Hispanic | 10 | $578,000 | $57,000 | $123,000 | $47,000 | $78,000 |
| Asian | 8 | $1,310,000 | $163,000 | $452,000 | $109,000 | $220,000 |
| Not Provided | 3 | $819,000 | $273,000 | $687,000 | $99,000 | $178,000 |
| American Indian or Alaskan Native | 1 | $230,000 | $230,000 | $230,000 | $197,000 | $197,000 |
| 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) | 291 | $38,120,000 | $130,000 | $1,833,000 | $105,000 | $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 Purchased By The Institution | 140 | $21,414,000 | $152,000 | $1,833,000 | $97,000 | $1,532,000 |
| Loan Originated | 101 | $10,165,000 | $100,000 | $1,095,000 | $118,000 | $578,000 |
| Application Denied By Financial Institution | 31 | $1,837,000 | $59,000 | $340,000 | $107,000 | $270,000 |
| Application Withdrawn By Applicant | 11 | $1,353,000 | $123,000 | $350,000 | $126,000 | $264,000 |
| Application Approved But Not Accepted | 6 | $3,201,000 | $533,000 | $1,760,000 | $48,000 | $190,000 |
| File Closed For Incompleteness | 2 | $150,000 | $75,000 | $135,000 | $93,000 | $157,000 |
| 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 | 11 | $225,000 | $20,000 | $57,000 | $95,000 | $260,000 |
| Debt-To-Income Ratio | 10 | $791,000 | $79,000 | $340,000 | $76,000 | $213,000 |
| Collateral | 10 | $821,000 | $82,000 | $340,000 | $151,000 | $270,000 |
| Credit Application Incomplete | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Old Point National Bank Of Phoebus's 2015 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.
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with aggregated HMDA statistics today.