The Old Point National Bank Of Phoebus
HMDA Loan Application Totals
and Mortgage Lending Details
for 2017
The Old Point National Bank Of Phoebus 2017 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 | 279 |
| Total Mortgage Loan Application Amount | $35,575,000 |
| Average Mortgage Loan Application Amount | $111,000 |
| Highest Mortgage Loan Application Amount | $1,820,000 |
| Average Applicant Income | $98,333 |
| Highest Applicant Income | $820,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2017 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 2017 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 2017.
| 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 | 37 | $ 4,031,000 | $ 108,000 | $ 98,000 |
| Virginia Beach County Virginia | 29 | $ 5,689,000 | $ 196,000 | $ 138,000 |
| Newport News County Virginia | 25 | $ 2,354,000 | $ 94,000 | $ 116,000 |
| James City County Virginia | 14 | $ 2,092,000 | $ 149,000 | $ 150,000 |
| Norfolk County Virginia | 13 | $ 1,852,000 | $ 142,000 | $ 92,000 |
| Chesapeake County Virginia | 9 | $ 1,463,000 | $ 162,000 | $ 84,000 |
| York County Virginia | 9 | $ 2,674,000 | $ 297,000 | $ 213,000 |
| Portsmouth County Virginia | 8 | $ 2,072,000 | $ 259,000 | $ 35,000 |
| Poquoson County Virginia | 6 | $ 402,000 | $ 67,000 | $ 115,000 |
| De Soto County Louisiana | 3 | $ 276,000 | $ 92,000 | $ 67,000 |
| Hillsborough County Florida | 2 | $ 128,000 | $ 64,000 | $ 53,000 |
| Levy County Florida | 2 | $ 172,000 | $ 86,000 | $ 55,000 |
| Nassau County Florida | 2 | $ 175,000 | $ 87,000 | $ 56,000 |
| Putnam County Florida | 2 | $ 165,000 | $ 82,000 | $ 43,000 |
| Ouachita County Louisiana | 2 | $ 191,000 | $ 95,000 | $ 79,000 |
| Carroll County Mississippi | 2 | $ 190,000 | $ 95,000 | $ 67,000 |
| Perquimans County North Carolina | 2 | $ 170,000 | $ 85,000 | $ 60,000 |
| McCurtain County Oklahoma | 2 | $ 175,000 | $ 87,000 | $ 114,000 |
| Gloucester County Virginia | 2 | $ 534,000 | $ 267,000 | $ 48,000 |
| Isle of Wight County Virginia | 2 | $ 487,000 | $ 243,000 | $ 77,000 |
| King William County Virginia | 2 | $ 112,000 | $ 56,000 | $ 27,000 |
| Williamsburg County Virginia | 2 | $ 432,000 | $ 216,000 | $ 304,000 |
| Autauga County Alabama | 1 | $ 130,000 | $ 130,000 | $ 49,000 |
| Baldwin County Alabama | 1 | $ 104,000 | $ 104,000 | $ 62,000 |
| Bibb County Alabama | 1 | $ 90,000 | $ 90,000 | $ 37,000 |
| Dale County Alabama | 1 | $ 19,000 | $ 19,000 | $ 30,000 |
| Geneva County Alabama | 1 | $ 53,000 | $ 53,000 | $ 34,000 |
| Lamar County Alabama | 1 | $ 156,000 | $ 156,000 | $ 112,000 |
| Madison County Alabama | 1 | $ 75,000 | $ 75,000 | $ 69,000 |
| Marshall County Alabama | 1 | $ 102,000 | $ 102,000 | $ 39,000 |
| Talladega County Alabama | 1 | $ 102,000 | $ 102,000 | $ 159,000 |
| Tuscaloosa County Alabama | 1 | $ 76,000 | $ 76,000 | $ 63,000 |
| Walker County Alabama | 1 | $ 103,000 | $ 103,000 | $ 32,000 |
| Cleburne County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 49,000 |
| Garland County Arkansas | 1 | $ 178,000 | $ 178,000 | $ 195,000 |
| Little River County Arkansas | 1 | $ 51,000 | $ 51,000 | $ 36,000 |
| Ouachita County Arkansas | 1 | $ 79,000 | $ 79,000 | $ 56,000 |
| Perry County Arkansas | 1 | $ 28,000 | $ 28,000 | $ 59,000 |
| Searcy County Arkansas | 1 | $ 64,000 | $ 64,000 | $ 69,000 |
| White County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 34,000 |
| Clay County Florida | 1 | $ 38,000 | $ 38,000 | $ 52,000 |
| Collier County Florida | 1 | $ 72,000 | $ 72,000 | $ 83,000 |
| Columbia County Florida | 1 | $ 74,000 | $ 74,000 | $ 41,000 |
| Dixie County Florida | 1 | $ 82,000 | $ 82,000 | $ 113,000 |
| Duval County Florida | 1 | $ 76,000 | $ 76,000 | $ 33,000 |
| Gilchrist County Florida | 1 | $ 66,000 | $ 66,000 | $ 50,000 |
| Gulf County Florida | 1 | $ 81,000 | $ 81,000 | $ 60,000 |
| Marion County Florida | 1 | $ 66,000 | $ 66,000 | $ 53,000 |
| Pinellas County Florida | 1 | $ 95,000 | $ 95,000 | $ 73,000 |
| Polk County Florida | 1 | $ 34,000 | $ 34,000 | $ 64,000 |
| Santa Rosa County Florida | 1 | $ 36,000 | $ 36,000 | $ 16,000 |
| Sarasota County Florida | 1 | $ 110,000 | $ 110,000 | $ 42,000 |
| St. Johns County Florida | 1 | $ 110,000 | $ 110,000 | $ 142,000 |
| Taylor County Florida | 1 | $ 48,000 | $ 48,000 | $ 32,000 |
| Appling County Georgia | 1 | $ 48,000 | $ 48,000 | $ 45,000 |
| Burke County Georgia | 1 | $ 82,000 | $ 82,000 | $ 100,000 |
| Camden County Georgia | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| Carroll County Georgia | 1 | $ 121,000 | $ 121,000 | $ 114,000 |
| Effingham County Georgia | 1 | $ 80,000 | $ 80,000 | $ 87,000 |
| Grady County Georgia | 1 | $ 70,000 | $ 70,000 | $ 107,000 |
| Johnson County Georgia | 1 | $ 146,000 | $ 146,000 | $ 88,000 |
| Madison County Georgia | 1 | $ 62,000 | $ 62,000 | $ 52,000 |
| Morgan County Georgia | 1 | $ 88,000 | $ 88,000 | $ 126,000 |
| Avoyelles County Louisiana | 1 | $ 52,000 | $ 52,000 | $ 153,000 |
| Caddo County Louisiana | 1 | $ 72,000 | $ 72,000 | $ 48,000 |
| Calcasieu County Louisiana | 1 | $ 59,000 | $ 59,000 | $ 200,000 |
| East Feliciana County Louisiana | 1 | $ 85,000 | $ 85,000 | $ 115,000 |
| Iberia County Louisiana | 1 | $ 89,000 | $ 89,000 | $ 79,000 |
| Jackson County Louisiana | 1 | $ 112,000 | $ 112,000 | $ 79,000 |
| Lincoln County Louisiana | 1 | $ 83,000 | $ 83,000 | $ 28,000 |
| Livingston County Louisiana | 1 | $ 114,000 | $ 114,000 | $ 66,000 |
| Vernon County Louisiana | 1 | $ 107,000 | $ 107,000 | $ 109,000 |
| West Feliciana County Louisiana | 1 | $ 42,000 | $ 42,000 | $ 44,000 |
| Hancock County Mississippi | 1 | $ 106,000 | $ 106,000 | $ 140,000 |
| Oktibbeha County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 64,000 |
| Pearl River County Mississippi | 1 | $ 88,000 | $ 88,000 | $ 60,000 |
| Pontotoc County Mississippi | 1 | $ 102,000 | $ 102,000 | $ 45,000 |
| Rankin County Mississippi | 1 | $ 91,000 | $ 91,000 | $ 43,000 |
| Winston County Mississippi | 1 | $ 103,000 | $ 103,000 | $ 72,000 |
| Gloucester County New Jersey | 1 | $ 159,000 | $ 159,000 | $ 118,000 |
| Suffolk County New York | 1 | $ 140,000 | $ 140,000 | $ 381,000 |
| Caswell County North Carolina | 1 | $ 49,000 | $ 49,000 | $ 73,000 |
| Currituck County North Carolina | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Dare County North Carolina | 1 | $ 188,000 | $ 188,000 | $ 56,000 |
| Gates County North Carolina | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Harnett County North Carolina | 1 | $ 43,000 | $ 43,000 | $ 34,000 |
| Montgomery County North Carolina | 1 | $ 41,000 | $ 41,000 | $ 116,000 |
| Northampton County North Carolina | 1 | $ 277,000 | $ 277,000 | $ 820,000 |
| Robeson County North Carolina | 1 | $ 103,000 | $ 103,000 | $ 72,000 |
| Warren County North Carolina | 1 | $ 66,000 | $ 66,000 | $ 33,000 |
| Wilson County North Carolina | 1 | $ 42,000 | $ 42,000 | $ 39,000 |
| Adair County Oklahoma | 1 | $ 86,000 | $ 86,000 | $ 53,000 |
| Bryan County Oklahoma | 1 | $ 86,000 | $ 86,000 | $ 42,000 |
| Canadian County Oklahoma | 1 | $ 99,000 | $ 99,000 | $ 57,000 |
| Delaware County Oklahoma | 1 | $ 71,000 | $ 71,000 | $ 57,000 |
| Love County Oklahoma | 1 | $ 52,000 | $ 52,000 | $ 81,000 |
| Marshall County Oklahoma | 1 | $ 109,000 | $ 109,000 | $ 95,000 |
| Rogers County Oklahoma | 1 | $ 84,000 | $ 84,000 | $ 75,000 |
| Chesterfield County South Carolina | 1 | $ 60,000 | $ 60,000 | $ 58,000 |
| Hampton County South Carolina | 1 | $ 126,000 | $ 126,000 | $ 72,000 |
| Sumter County South Carolina | 1 | $ 100,000 | $ 100,000 | $ 43,000 |
| Coffee County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 99,000 |
| Brazoria County Texas | 1 | $ 97,000 | $ 97,000 | $ 64,000 |
| Denton County Texas | 1 | $ 114,000 | $ 114,000 | $ 127,000 |
| Edwards County Texas | 1 | $ 29,000 | $ 29,000 | $ 54,000 |
| Freestone County Texas | 1 | $ 114,000 | $ 114,000 | $ 84,000 |
| Grimes County Texas | 1 | $ 119,000 | $ 119,000 | $ 73,000 |
| Jefferson County Texas | 1 | $ 92,000 | $ 92,000 | $ 69,000 |
| Milam County Texas | 1 | $ 137,000 | $ 137,000 | $ 95,000 |
| Montgomery County Texas | 1 | $ 120,000 | $ 120,000 | $ 48,000 |
| Newton County Texas | 1 | $ 54,000 | $ 54,000 | $ 83,000 |
| Orange County Texas | 1 | $ 107,000 | $ 107,000 | $ 60,000 |
| Parker County Texas | 1 | $ 86,000 | $ 86,000 | $ 35,000 |
| Polk County Texas | 1 | $ 73,000 | $ 73,000 | $ 194,000 |
| Refugio County Texas | 1 | $ 101,000 | $ 101,000 | $ 54,000 |
| Smith County Texas | 1 | $ 79,000 | $ 79,000 | $ 34,000 |
| Upshur County Texas | 1 | $ 96,000 | $ 96,000 | $ 39,000 |
| Wilson County Texas | 1 | $ 147,000 | $ 147,000 | $ 76,000 |
| Zavala County Texas | 1 | $ 84,000 | $ 84,000 | $ 117,000 |
| Chesterfield County Virginia | 1 | $ 140,000 | $ 140,000 | $ 301,000 |
| Goochland County Virginia | 1 | $ 40,000 | $ 40,000 | $ 138,000 |
| Northampton County Virginia | 1 | $ 662,000 | $ 662,000 | $ 162,000 |
| Suffolk County Virginia | 1 | $ 30,000 | $ 30,000 | $ 56,000 |
| Surry County Virginia | 1 | $ 72,000 | $ 72,000 | $ 0 |
Mortgage Loan Application Detail Totals for The Old Point National Bank Of Phoebus in 2017
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 | 160 | $21,071,000 | $131,000 | $1,820,000 | $99,000 | $820,000 |
| Refinancing | 82 | $12,741,000 | $155,000 | $1,074,000 | $113,000 | $550,000 |
| Home Improvement | 37 | $1,763,000 | $47,000 | $225,000 | $83,000 | $440,000 |
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 | 210 | $24,194,000 | $115,000 | $1,074,000 | $109,000 | $820,000 |
| Black or African American | 21 | $1,738,000 | $82,000 | $283,000 | $100,000 | $258,000 |
| Not applicable | 20 | $6,430,000 | $321,000 | $1,820,000 | $0 | $0 |
| Hispanic | 19 | $1,477,000 | $77,000 | $114,000 | $77,000 | $138,000 |
| Not Provided | 6 | $1,309,000 | $218,000 | $374,000 | $179,000 | $528,000 |
| Asian | 3 | $427,000 | $142,000 | $300,000 | $214,000 | $525,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 276 | $35,060,000 | $127,000 | $1,820,000 | $100,000 | $820,000 |
| FHA-insured (Federal Housing Administration) | 2 | $429,000 | $214,000 | $270,000 | $187,000 | $256,000 |
| VA-guaranteed (Veterans Administration) | 1 | $86,000 | $86,000 | $86,000 | $62,000 | $62,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 123 | $13,251,000 | $107,000 | $1,074,000 | $81,000 | $550,000 |
| Loan Originated | 115 | $17,413,000 | $151,000 | $1,820,000 | $123,000 | $820,000 |
| Application Withdrawn By Applicant | 17 | $2,337,000 | $137,000 | $374,000 | $119,000 | $528,000 |
| Application Denied By Financial Institution | 16 | $1,751,000 | $109,000 | $305,000 | $86,000 | $218,000 |
| Application Approved But Not Accepted | 5 | $618,000 | $123,000 | $200,000 | $112,000 | $301,000 |
| File Closed For Incompleteness | 3 | $205,000 | $68,000 | $120,000 | $49,000 | $82,000 |
| 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 | 6 | $538,000 | $89,000 | $305,000 | $108,000 | $218,000 |
| Collateral | 5 | $605,000 | $121,000 | $191,000 | $92,000 | $179,000 |
| Other | 4 | $604,000 | $151,000 | $210,000 | $59,000 | $196,000 |
| Debt-To-Income Ratio | 1 | $4,000 | $4,000 | $4,000 | $32,000 | $32,000 |
| 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 |
| 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 The Old Point National Bank Of Phoebus's 2017 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.