Vellum Mortgage, Inc. Mortgage Lending & HMDA Data, 2025
In 2025, Vellum Mortgage, Inc. of Fairfax, VA reported 2,126 mortgage applications totaling $1.1 billion, up 14% from 2024. The average application was for $522,888, and applicants reported an average income of $196,605. 79% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Arlington-Alexandria-Reston, VA-WV (416), Oakland-Hayward-Berkeley, CA (410) and Washington, DC-MD (296) (applications in parentheses).
| Mortgage Company & Address | Vellum Mortgage, Inc. 12700 Fair Lakes Cir Suite 400 Fairfax, VA 22033 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 |
| Total Number of Mortgage Applications | 2,126 |
| Total Mortgage Loan Application Amount | $1,111,660,000 |
| Average Mortgage Loan Application Amount | $522,888 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $196,605 |
| Highest Applicant Income | $4,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Vellum Mortgage, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Arlington-Alexandria-Reston, VA-WV | 416 | $ 215,970,000 | $ 519,158 | $ 172,336 |
| Oakland-Hayward-Berkeley, CA | 410 | $ 286,680,000 | $ 699,219 | $ 244,000 |
| Washington, DC-MD | 296 | $ 167,820,000 | $ 566,959 | $ 221,797 |
| Washington-Baltimore-Arlington, DC | 239 | $ 113,565,000 | $ 475,167 | $ 178,000 |
| Baltimore-Columbia-Towson, MD | 176 | $ 70,690,000 | $ 401,647 | $ 146,000 |
| Lexington Park, MD | 77 | $ 30,705,000 | $ 398,766 | $ 149,000 |
| Outside any metro area | 66 | $ 21,620,000 | $ 327,575 | $ 173,000 |
| Houston-The Woodlands-Sugar Land, TX | 41 | $ 12,035,000 | $ 293,536 | $ 165,000 |
| Vallejo-Fairfield, CA | 32 | $ 13,510,000 | $ 422,187 | $ 167,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 29 | $ 12,035,000 | $ 415,000 | $ 187,000 |
| Dallas-Plano-Irving, TX | 28 | $ 10,060,000 | $ 359,285 | $ 150,000 |
| Fort Worth-Arlington, TX | 24 | $ 7,890,000 | $ 328,750 | $ 216,000 |
| Hagerstown-Martinsburg, MD-WV | 22 | $ 6,530,000 | $ 296,818 | $ 96,545 |
| San Francisco-Redwood City-South San Francisco, CA | 22 | $ 19,060,000 | $ 866,363 | $ 319,000 |
| Richmond, VA | 12 | $ 3,870,000 | $ 322,500 | $ 165,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 11 | $ 6,545,000 | $ 595,000 | $ 241,000 |
| San Antonio-New Braunfels, TX | 11 | $ 3,735,000 | $ 339,545 | $ 185,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 11 | $ 8,425,000 | $ 765,909 | $ 245,000 |
| Harrisonburg, VA | 10 | $ 3,390,000 | $ 339,000 | $ 124,000 |
| San Rafael, CA | 9 | $ 6,855,000 | $ 761,666 | $ 304,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 9 | $ 4,035,000 | $ 448,333 | $ 158,666 |
| Winchester, VA-WV | 9 | $ 3,315,000 | $ 368,333 | $ 104,000 |
| Atlanta-Sandy Springs-Roswell, GA | 8 | $ 3,240,000 | $ 405,000 | $ 176,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 8 | $ 4,880,000 | $ 610,000 | $ 192,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 2,435,000 | $ 347,857 | $ 172,000 |
| Tampa, FL | 7 | $ 3,055,000 | $ 436,428 | $ 78,000 |
| Austin-Round Rock, TX | 6 | $ 2,240,000 | $ 373,333 | $ 145,000 |
| Riverside-San Bernardino-Ontario, CA | 6 | $ 2,660,000 | $ 443,333 | $ 186,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 4,045,000 | $ 809,000 | $ 230,000 |
| Stockton-Lodi, CA | 5 | $ 1,785,000 | $ 357,000 | $ 151,000 |
| Anaheim-Santa Ana-Irvine, CA | 4 | $ 3,530,000 | $ 882,500 | $ 386,000 |
| Jacksonville, FL | 4 | $ 1,310,000 | $ 327,500 | $ 152,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 3,520,000 | $ 880,000 | $ 270,000 |
| Tucson, AZ | 4 | $ 1,550,000 | $ 387,500 | $ 447,000 |
| Camden, NJ | 3 | $ 1,325,000 | $ 441,666 | $ 166,000 |
| Charlottesville, VA | 3 | $ 605,000 | $ 201,666 | $ 263,000 |
| Napa, CA | 3 | $ 2,385,000 | $ 795,000 | $ 266,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 2,295,000 | $ 765,000 | $ 243,000 |
| Philadelphia, PA | 3 | $ 895,000 | $ 298,333 | $ 197,000 |
| Pittsburgh, PA | 3 | $ 1,415,000 | $ 471,666 | $ 168,000 |
| Raleigh, NC | 3 | $ 1,885,000 | $ 628,333 | $ 294,000 |
| San Diego-Carlsbad, CA | 3 | $ 2,495,000 | $ 831,666 | $ 236,000 |
| Brownsville-Harlingen, TX | 2 | $ 590,000 | $ 295,000 | $ 151,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 1,750,000 | $ 875,000 | $ 207,000 |
| Charleston-North Charleston, SC | 2 | $ 1,020,000 | $ 510,000 | $ 108,000 |
| College Station-Bryan, TX | 2 | $ 480,000 | $ 240,000 | $ 168,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 650,000 | $ 325,000 | $ 123,000 |
| Dover, DE | 2 | $ 490,000 | $ 245,000 | $ 81,000 |
| Durham-Chapel Hill, NC | 2 | $ 980,000 | $ 490,000 | $ 323,000 |
| Eugene, OR | 2 | $ 880,000 | $ 440,000 | $ 164,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 900,000 | $ 450,000 | $ 114,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 810,000 | $ 405,000 | $ 101,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 1,320,000 | $ 660,000 | $ 346,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 730,000 | $ 365,000 | $ 134,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 670,000 | $ 335,000 | $ 95,000 |
| Salem, OR | 2 | $ 590,000 | $ 295,000 | $ 117,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 2,000,000 | $ 1,000,000 | $ 328,000 |
| Santa Rosa, CA | 2 | $ 1,350,000 | $ 675,000 | $ 208,000 |
| St. Petersburg-Clearwater-Largo, FL | 2 | $ 590,000 | $ 295,000 | $ 0 |
| Staunton-Waynesboro, VA | 2 | $ 560,000 | $ 280,000 | $ 73,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 1,440,000 | $ 720,000 | $ 328,000 |
| Athens-Clarke County, GA | 1 | $ 335,000 | $ 335,000 | $ 79,000 |
| Beaumont-Port Arthur, TX | 1 | $ 75,000 | $ 75,000 | $ 127,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 235,000 | $ 235,000 | $ 252,000 |
| Boise City, ID | 1 | $ 495,000 | $ 495,000 | $ 119,000 |
| Clarksville, TN-KY | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Coeur D'Alene, ID | 1 | $ 605,000 | $ 605,000 | $ 218,000 |
| Corpus Christi, TX | 1 | $ 355,000 | $ 355,000 | $ 252,000 |
| Elgin, IL | 1 | $ 425,000 | $ 425,000 | $ 165,000 |
| Johnson City, TN | 1 | $ 205,000 | $ 205,000 | $ 96,000 |
| Killeen-Temple, TX | 1 | $ 215,000 | $ 215,000 | $ 983,000 |
| Knoxville, TN | 1 | $ 485,000 | $ 485,000 | $ 388,000 |
| Lakewood-New Brunswick, NJ | 1 | $ 245,000 | $ 245,000 | $ 85,000 |
| Lynchburg, VA | 1 | $ 365,000 | $ 365,000 | $ 89,000 |
| Marietta, GA | 1 | $ 275,000 | $ 275,000 | $ 82,000 |
| Memphis, TN-MS-AR | 1 | $ 385,000 | $ 385,000 | $ 119,000 |
| Merced, CA | 1 | $ 345,000 | $ 345,000 | $ 126,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 3,005,000 | $ 3,005,000 | $ 583,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 345,000 | $ 345,000 | $ 98,000 |
| Panama City, FL | 1 | $ 455,000 | $ 455,000 | $ 210,000 |
| Port St. Lucie, FL | 1 | $ 225,000 | $ 225,000 | $ 241,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 945,000 | $ 945,000 | $ 1,439,000 |
| Providence-Warwick, RI-MA | 1 | $ 565,000 | $ 565,000 | $ 140,000 |
| Punta Gorda, FL | 1 | $ 425,000 | $ 425,000 | $ 115,000 |
| Redding, CA | 1 | $ 325,000 | $ 325,000 | $ 274,000 |
| Roanoke, VA | 1 | $ 495,000 | $ 495,000 | $ 129,000 |
| Rocky Mount, NC | 1 | $ 275,000 | $ 275,000 | $ 77,000 |
| Salinas, CA | 1 | $ 1,595,000 | $ 1,595,000 | $ 900,000 |
| Salisbury, MD-DE | 1 | $ 275,000 | $ 275,000 | $ 79,000 |
| Sebastian-Vero Beach, FL | 1 | $ 285,000 | $ 285,000 | $ 141,000 |
| Sherman-Denison, TX | 1 | $ 105,000 | $ 105,000 | $ 175,000 |
| State College, PA | 1 | $ 315,000 | $ 315,000 | $ 82,000 |
| Waco, TX | 1 | $ 935,000 | $ 935,000 | $ 0 |
| Wilmington, DE-MD-NJ | 1 | $ 715,000 | $ 715,000 | $ 285,000 |
| Wilmington, NC | 1 | $ 585,000 | $ 585,000 | $ 173,000 |
| Worcester, MA-CT | 1 | $ 495,000 | $ 495,000 | $ 218,000 |
| York-Hanover, PA | 1 | $ 135,000 | $ 135,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for Vellum Mortgage, Inc. in 2025
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 | 1,715 | $884,835,000 | $515,000 | $2,645,000 | $190,000 | $4,000,000 |
| Refinancing | 294 | $182,870,000 | $622,000 | $3,005,000 | $229,000 | $880,000 |
| Cash-out Refinancing | 103 | $37,895,000 | $367,000 | $1,865,000 | $224,000 | $1,250,000 |
| Home Improvement | 14 | $6,060,000 | $432,000 | $1,215,000 | $124,000 | $300,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 873 | $477,655,000 | $547,000 | $2,645,000 | $208,000 | $4,000,000 |
| Not Provided | 478 | $258,740,000 | $541,000 | $2,345,000 | $220,000 | $2,147,000 |
| Hispanic | 386 | $169,290,000 | $438,000 | $1,325,000 | $142,000 | $638,000 |
| Asian | 206 | $126,190,000 | $612,000 | $3,005,000 | $213,000 | $900,000 |
| Black or African American | 174 | $75,780,000 | $435,000 | $1,475,000 | $174,000 | $1,007,000 |
| American Indian or Alaskan Native | 7 | $2,645,000 | $377,000 | $1,205,000 | $112,000 | $264,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $1,360,000 | $680,000 | $925,000 | $181,000 | $210,000 |
| Not applicable | 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) | 1,602 | $853,770,000 | $532,000 | $3,005,000 | $211,000 | $4,000,000 |
| FHA-insured (Federal Housing Administration) | 331 | $135,515,000 | $409,000 | $1,205,000 | $125,000 | $430,000 |
| VA-guaranteed (Veterans Administration) | 190 | $121,410,000 | $639,000 | $2,065,000 | $193,000 | $1,250,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $965,000 | $321,000 | $475,000 | $99,000 | $127,000 |
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 | 1,689 | $893,095,000 | $528,000 | $2,345,000 | $201,000 | $4,000,000 |
| Application Withdrawn By Applicant | 363 | $186,905,000 | $514,000 | $3,005,000 | $184,000 | $1,007,000 |
| Application Denied By Financial Institution | 59 | $23,825,000 | $403,000 | $1,435,000 | $140,000 | $477,000 |
| Application Approved But Not Accepted | 11 | $6,065,000 | $551,000 | $1,365,000 | $187,000 | $557,000 |
| File Closed For Incompleteness | 4 | $1,770,000 | $442,000 | $845,000 | $164,000 | $233,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,067 | $1,087,835,000 | $526,000 | $3,005,000 | $198,000 | $4,000,000 |
| Credit History | 18 | $5,930,000 | $329,000 | $795,000 | $105,000 | $205,000 |
| Debt-To-Income Ratio | 16 | $8,080,000 | $505,000 | $1,435,000 | $136,000 | $454,000 |
| Collateral | 12 | $3,990,000 | $332,000 | $955,000 | $144,000 | $355,000 |
| Other | 7 | $2,955,000 | $422,000 | $725,000 | $244,000 | $477,000 |
| Unverifiable Information | 3 | $1,065,000 | $355,000 | $465,000 | $125,000 | $228,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,190,000 | $595,000 | $955,000 | $208,000 | $341,000 |
| Employment History | 1 | $615,000 | $615,000 | $615,000 | $136,000 | $136,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Vellum Mortgage, Inc.'s 2025 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 Vellum Mortgage, Inc.'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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