The Old Point National Bank of Phoebus Mortgage Lending & HMDA Data, 2017
In 2017, The Old Point National Bank of Phoebus of Hampton, VA reported 279 mortgage applications totaling $35.6 million, up 19% from 2016. The average application was for $127,508, and applicants reported an average income of $100,992. 41% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Virginia Beach-Norfolk-Newport News, VA-NC (159), Jacksonville, FL (5) and Richmond, VA (4) (applications in parentheses).
| Mortgage Company & Address | The Old Point National Bank of Phoebus 1 W Mellen Street Hampton, VA 23669 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | $127,508 |
| Highest Mortgage Loan Application Amount | $1,820,000 |
| Average Applicant Income | $100,992 |
| Highest Applicant Income | $820,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Old Point National Bank of Phoebus filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Virginia Beach-Norfolk-Newport News, VA-NC | 159 | $ 24,492,000 | $ 154,037 | $ 115,528 |
| Jacksonville, FL | 5 | $ 399,000 | $ 79,800 | $ 68,000 |
| Richmond, VA | 4 | $ 292,000 | $ 73,000 | $ 123,000 |
| Shreveport-Bossier City, LA | 4 | $ 348,000 | $ 87,000 | $ 62,000 |
| Baton Rouge, LA | 3 | $ 241,000 | $ 80,333 | $ 75,000 |
| Beaumont-Port Arthur, TX | 3 | $ 253,000 | $ 84,333 | $ 70,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 223,000 | $ 74,333 | $ 60,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 209,000 | $ 104,500 | $ 120,000 |
| Birmingham-Hoover, AL | 2 | $ 193,000 | $ 96,500 | $ 34,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 217,000 | $ 108,500 | $ 56,000 |
| Monroe, LA | 2 | $ 191,000 | $ 95,500 | $ 79,000 |
| Athens-Clarke County, GA | 1 | $ 62,000 | $ 62,000 | $ 52,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 82,000 | $ 82,000 | $ 100,000 |
| Camden, NJ | 1 | $ 159,000 | $ 159,000 | $ 118,000 |
| Dallas-Plano-Irving, TX | 1 | $ 114,000 | $ 114,000 | $ 127,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 104,000 | $ 104,000 | $ 62,000 |
| Dothan, AL | 1 | $ 53,000 | $ 53,000 | $ 34,000 |
| Fort Worth-Arlington, TX | 1 | $ 86,000 | $ 86,000 | $ 35,000 |
| Gainesville, FL | 1 | $ 66,000 | $ 66,000 | $ 50,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 106,000 | $ 106,000 | $ 140,000 |
| Hot Springs, AR | 1 | $ 178,000 | $ 178,000 | $ 195,000 |
| Huntsville, AL | 1 | $ 75,000 | $ 75,000 | $ 69,000 |
| Jackson, MS | 1 | $ 91,000 | $ 91,000 | $ 43,000 |
| Lafayette, LA | 1 | $ 89,000 | $ 89,000 | $ 79,000 |
| Lake Charles, LA | 1 | $ 59,000 | $ 59,000 | $ 200,000 |
| Lakeland-Winter Haven, FL | 1 | $ 34,000 | $ 34,000 | $ 64,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 28,000 | $ 28,000 | $ 59,000 |
| Longview, TX | 1 | $ 96,000 | $ 96,000 | $ 39,000 |
| Montgomery, AL | 1 | $ 130,000 | $ 130,000 | $ 49,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 72,000 | $ 72,000 | $ 83,000 |
| Nassau County-Suffolk County, NY | 1 | $ 140,000 | $ 140,000 | $ 381,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 110,000 | $ 110,000 | $ 42,000 |
| Ocala, FL | 1 | $ 66,000 | $ 66,000 | $ 53,000 |
| Oklahoma City, OK | 1 | $ 99,000 | $ 99,000 | $ 57,000 |
| Panama City, FL | 1 | $ 81,000 | $ 81,000 | $ 60,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 36,000 | $ 36,000 | $ 16,000 |
| San Antonio-New Braunfels, TX | 1 | $ 147,000 | $ 147,000 | $ 76,000 |
| Savannah, GA | 1 | $ 80,000 | $ 80,000 | $ 87,000 |
| Sumter, SC | 1 | $ 100,000 | $ 100,000 | $ 43,000 |
| Texarkana, TX-AR | 1 | $ 51,000 | $ 51,000 | $ 36,000 |
| Tulsa, OK | 1 | $ 84,000 | $ 84,000 | $ 75,000 |
| Tuscaloosa, AL | 1 | $ 76,000 | $ 76,000 | $ 63,000 |
| Tyler, TX | 1 | $ 79,000 | $ 79,000 | $ 34,000 |
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.
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with aggregated HMDA statistics today.
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