The Old Point National Bank Of Phoebus
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
The Old Point National Bank Of Phoebus 2016 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 | 234 |
| Total Mortgage Loan Application Amount | $30,405,000 |
| Average Mortgage Loan Application Amount | $119,666 |
| Highest Mortgage Loan Application Amount | $1,099,000 |
| Average Applicant Income | $91,000 |
| Highest Applicant Income | $1,249,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 48 | $ 4,139,000 | $ 86,000 | $ 77,000 |
| Virginia Beach County Virginia | 32 | $ 5,773,000 | $ 180,000 | $ 162,000 |
| Newport News County Virginia | 23 | $ 2,719,000 | $ 118,000 | $ 157,000 |
| Norfolk County Virginia | 19 | $ 5,694,000 | $ 299,000 | $ 73,000 |
| Chesapeake County Virginia | 11 | $ 1,223,000 | $ 111,000 | $ 131,000 |
| James City County Virginia | 10 | $ 1,325,000 | $ 132,000 | $ 95,000 |
| Isle of Wight County Virginia | 8 | $ 1,366,000 | $ 170,000 | $ 173,000 |
| Portsmouth County Virginia | 5 | $ 1,313,000 | $ 262,000 | $ 14,000 |
| York County Virginia | 5 | $ 306,000 | $ 61,000 | $ 206,000 |
| New Kent County Virginia | 4 | $ 141,000 | $ 35,000 | $ 37,000 |
| Washington County Louisiana | 3 | $ 200,000 | $ 66,000 | $ 82,000 |
| Gloucester County Virginia | 3 | $ 638,000 | $ 212,000 | $ 20,000 |
| Poquoson County Virginia | 3 | $ 598,000 | $ 199,000 | $ 63,000 |
| Union County Louisiana | 2 | $ 147,000 | $ 73,000 | $ 63,000 |
| Lenoir County North Carolina | 2 | $ 142,000 | $ 71,000 | $ 54,000 |
| Creek County Oklahoma | 2 | $ 178,000 | $ 89,000 | $ 80,000 |
| Hanover County Virginia | 2 | $ 189,000 | $ 94,000 | $ 154,000 |
| Autauga County Alabama | 1 | $ 82,000 | $ 82,000 | $ 72,000 |
| Butler County Alabama | 1 | $ 69,000 | $ 69,000 | $ 43,000 |
| Clay County Alabama | 1 | $ 85,000 | $ 85,000 | $ 92,000 |
| Coffee County Alabama | 1 | $ 81,000 | $ 81,000 | $ 53,000 |
| Lauderdale County Alabama | 1 | $ 87,000 | $ 87,000 | $ 56,000 |
| Morgan County Alabama | 1 | $ 80,000 | $ 80,000 | $ 30,000 |
| Winston County Alabama | 1 | $ 101,000 | $ 101,000 | $ 60,000 |
| Clark County Arkansas | 1 | $ 76,000 | $ 76,000 | $ 35,000 |
| Searcy County Arkansas | 1 | $ 80,000 | $ 80,000 | $ 81,000 |
| Citrus County Florida | 1 | $ 38,000 | $ 38,000 | $ 31,000 |
| Lee County Florida | 1 | $ 127,000 | $ 127,000 | $ 120,000 |
| Pinellas County Florida | 1 | $ 97,000 | $ 97,000 | $ 70,000 |
| Suwannee County Florida | 1 | $ 83,000 | $ 83,000 | $ 51,000 |
| Bibb County Georgia | 1 | $ 121,000 | $ 121,000 | $ 57,000 |
| Brantley County Georgia | 1 | $ 91,000 | $ 91,000 | $ 50,000 |
| Gordon County Georgia | 1 | $ 29,000 | $ 29,000 | $ 29,000 |
| Grady County Georgia | 1 | $ 35,000 | $ 35,000 | $ 42,000 |
| Worth County Georgia | 1 | $ 77,000 | $ 77,000 | $ 84,000 |
| Ascension County Louisiana | 1 | $ 54,000 | $ 54,000 | $ 229,000 |
| Bienville County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 64,000 |
| Morehouse County Louisiana | 1 | $ 91,000 | $ 91,000 | $ 48,000 |
| Ouachita County Louisiana | 1 | $ 41,000 | $ 41,000 | $ 126,000 |
| Webster County Louisiana | 1 | $ 122,000 | $ 122,000 | $ 96,000 |
| Bolivar County Mississippi | 1 | $ 69,000 | $ 69,000 | $ 34,000 |
| Hinds County Mississippi | 1 | $ 26,000 | $ 26,000 | $ 73,000 |
| Rankin County Mississippi | 1 | $ 94,000 | $ 94,000 | $ 87,000 |
| Dona Ana County New Mexico | 1 | $ 58,000 | $ 58,000 | $ 28,000 |
| Eddy County New Mexico | 1 | $ 73,000 | $ 73,000 | $ 67,000 |
| Dare County North Carolina | 1 | $ 440,000 | $ 440,000 | $ 0 |
| Franklin County North Carolina | 1 | $ 36,000 | $ 36,000 | $ 37,000 |
| Perquimans County North Carolina | 1 | $ 43,000 | $ 43,000 | $ 17,000 |
| Bryan County Oklahoma | 1 | $ 54,000 | $ 54,000 | $ 70,000 |
| Pottawatomie County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 67,000 |
| Tulsa County Oklahoma | 1 | $ 63,000 | $ 63,000 | $ 76,000 |
| Macon County Tennessee | 1 | $ 61,000 | $ 61,000 | $ 35,000 |
| Brazoria County Texas | 1 | $ 68,000 | $ 68,000 | $ 72,000 |
| Comal County Texas | 1 | $ 144,000 | $ 144,000 | $ 104,000 |
| Galveston County Texas | 1 | $ 119,000 | $ 119,000 | $ 132,000 |
| Grayson County Texas | 1 | $ 40,000 | $ 40,000 | $ 19,000 |
| Hardin County Texas | 1 | $ 98,000 | $ 98,000 | $ 91,000 |
| Henderson County Texas | 1 | $ 85,000 | $ 85,000 | $ 112,000 |
| Lubbock County Texas | 1 | $ 75,000 | $ 75,000 | $ 58,000 |
| Medina County Texas | 1 | $ 70,000 | $ 70,000 | $ 42,000 |
| Montgomery County Texas | 1 | $ 90,000 | $ 90,000 | $ 120,000 |
| Accomack County Virginia | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Chesterfield County Virginia | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Greensville County Virginia | 1 | $ 50,000 | $ 50,000 | $ 144,000 |
| Mathews County Virginia | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Southampton County Virginia | 1 | $ 15,000 | $ 15,000 | $ 86,000 |
| Suffolk County Virginia | 1 | $ 298,000 | $ 298,000 | $ 309,000 |
| Williamsburg County Virginia | 1 | $ 2,000 | $ 2,000 | $ 49,000 |
Mortgage Loan Application Detail Totals for The Old Point National Bank Of Phoebus in 2016
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 | 114 | $15,810,000 | $138,000 | $836,000 | $129,000 | $1,249,000 |
| Refinancing | 78 | $11,376,000 | $145,000 | $648,000 | $80,000 | $482,000 |
| Home Improvement | 42 | $3,219,000 | $76,000 | $1,099,000 | $64,000 | $268,000 |
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 | 160 | $17,976,000 | $112,000 | $648,000 | $123,000 | $1,249,000 |
| Not applicable | 34 | $8,891,000 | $261,000 | $1,099,000 | $0 | $0 |
| Black or African American | 21 | $2,152,000 | $102,000 | $500,000 | $92,000 | $236,000 |
| Hispanic | 9 | $492,000 | $54,000 | $97,000 | $48,000 | $72,000 |
| Not Provided | 6 | $314,000 | $52,000 | $102,000 | $87,000 | $147,000 |
| Asian | 3 | $505,000 | $168,000 | $320,000 | $257,000 | $268,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $75,000 | $75,000 | $75,000 | $265,000 | $265,000 |
| American Indian or Alaskan Native | 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) | 234 | $30,405,000 | $129,000 | $1,099,000 | $101,000 | $1,249,000 |
| 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 Originated | 123 | $18,705,000 | $152,000 | $1,099,000 | $113,000 | $1,249,000 |
| Loan Purchased By The Institution | 81 | $10,095,000 | $124,000 | $500,000 | $90,000 | $363,000 |
| Application Denied By Financial Institution | 13 | $453,000 | $34,000 | $140,000 | $70,000 | $466,000 |
| Application Withdrawn By Applicant | 10 | $896,000 | $89,000 | $220,000 | $114,000 | $330,000 |
| Application Approved But Not Accepted | 4 | $113,000 | $28,000 | $45,000 | $59,000 | $90,000 |
| File Closed For Incompleteness | 3 | $143,000 | $47,000 | $90,000 | $71,000 | $118,000 |
| 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 | 7 | $191,000 | $27,000 | $62,000 | $38,000 | $61,000 |
| Debt-To-Income Ratio | 5 | $122,000 | $24,000 | $80,000 | $35,000 | $53,000 |
| Collateral | 1 | $140,000 | $140,000 | $140,000 | $466,000 | $466,000 |
| 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 2016 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.