Virginia Commerce Bank Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Virginia Commerce Bank Inc 2012 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 | Virginia Commerce Bank Inc 5350 Lee Highway Arlington, VA 22207 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 833 |
| Total Mortgage Loan Application Amount | $349,131,000 |
| Average Mortgage Loan Application Amount | $410,333 |
| Highest Mortgage Loan Application Amount | $7,175,000 |
| Average Applicant Income | $170,000 |
| Highest Applicant Income | $4,129,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Virginia Commerce Bank Inc. 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 Virginia Commerce Bank Inc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Virginia Commerce Bank Inc'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 Virginia Commerce Bank Inc serves its applicants.
Each category highlights the total number of mortgage applications processed by Virginia Commerce Bank Inc, 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 Virginia Commerce Bank Inc's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fairfax County Virginia | 299 | $ 122,958,000 | $ 411,000 | $ 216,000 |
| Arlington County Virginia | 138 | $ 70,366,000 | $ 509,000 | $ 216,000 |
| Loudoun County Virginia | 85 | $ 32,179,000 | $ 378,000 | $ 141,000 |
| Alexandria County Virginia | 75 | $ 34,064,000 | $ 454,000 | $ 178,000 |
| Prince William County Virginia | 66 | $ 19,555,000 | $ 296,000 | $ 112,000 |
| District of Columbia County District Of Columbia | 31 | $ 11,619,000 | $ 374,000 | $ 158,000 |
| Montgomery County Maryland | 30 | $ 12,691,000 | $ 423,000 | $ 153,000 |
| Falls Church County Virginia | 11 | $ 5,432,000 | $ 493,000 | $ 156,000 |
| Fairfax City County Virginia | 9 | $ 4,365,000 | $ 485,000 | $ 154,000 |
| Spotsylvania County Virginia | 8 | $ 9,174,000 | $ 1,146,000 | $ 107,000 |
| Prince George's County Maryland | 5 | $ 1,367,000 | $ 273,000 | $ 53,000 |
| Fauquier County Virginia | 5 | $ 1,015,000 | $ 203,000 | $ 101,000 |
| Tucker County West Virginia | 5 | $ 563,000 | $ 112,000 | $ 156,000 |
| Anne Arundel County Maryland | 4 | $ 2,460,000 | $ 615,000 | $ 445,000 |
| Manassas County Virginia | 4 | $ 1,146,000 | $ 286,000 | $ 47,000 |
| Stafford County Virginia | 4 | $ 968,000 | $ 242,000 | $ 11,000 |
| Virginia Beach County Virginia | 4 | $ 910,000 | $ 227,000 | $ 166,000 |
| Sussex County Delaware | 3 | $ 728,000 | $ 242,000 | $ 95,000 |
| Northumberland County Virginia | 3 | $ 952,000 | $ 317,000 | $ 120,000 |
| Warren County Virginia | 3 | $ 846,000 | $ 282,000 | $ 142,000 |
| Broward County Florida | 2 | $ 1,369,000 | $ 684,000 | $ 1,384,000 |
| Frederick County Maryland | 2 | $ 888,000 | $ 444,000 | $ 28,000 |
| Clarke County Virginia | 2 | $ 593,000 | $ 296,000 | $ 124,000 |
| Culpeper County Virginia | 2 | $ 493,000 | $ 246,000 | $ 107,000 |
| Louisa County Virginia | 2 | $ 544,000 | $ 272,000 | $ 73,000 |
| New Haven County Connecticut | 1 | $ 285,000 | $ 285,000 | $ 150,000 |
| Collier County Florida | 1 | $ 244,000 | $ 244,000 | $ 180,000 |
| Palm Beach County Florida | 1 | $ 2,000,000 | $ 2,000,000 | $ 1,162,000 |
| Pinellas County Florida | 1 | $ 95,000 | $ 95,000 | $ 34,000 |
| Baltimore County Maryland | 1 | $ 380,000 | $ 380,000 | $ 120,000 |
| Garrett County Maryland | 1 | $ 225,000 | $ 225,000 | $ 248,000 |
| Howard County Maryland | 1 | $ 417,000 | $ 417,000 | $ 236,000 |
| Queen Anne's County Maryland | 1 | $ 225,000 | $ 225,000 | $ 116,000 |
| Anoka County Minnesota | 1 | $ 266,000 | $ 266,000 | $ 217,000 |
| Currituck County North Carolina | 1 | $ 378,000 | $ 378,000 | $ 275,000 |
| Adams County Pennsylvania | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Horry County South Carolina | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Pickens County South Carolina | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| Tarrant County Texas | 1 | $ 150,000 | $ 150,000 | $ 209,000 |
| Accomack County Virginia | 1 | $ 256,000 | $ 256,000 | $ 208,000 |
| Albemarle County Virginia | 1 | $ 247,000 | $ 247,000 | $ 110,000 |
| Caroline County Virginia | 1 | $ 300,000 | $ 300,000 | $ 354,000 |
| Chesterfield County Virginia | 1 | $ 496,000 | $ 496,000 | $ 247,000 |
| Gloucester County Virginia | 1 | $ 600,000 | $ 600,000 | $ 150,000 |
| Henrico County Virginia | 1 | $ 378,000 | $ 378,000 | $ 135,000 |
| King George County Virginia | 1 | $ 336,000 | $ 336,000 | $ 288,000 |
| Madison County Virginia | 1 | $ 225,000 | $ 225,000 | $ 237,000 |
| Orange County Virginia | 1 | $ 172,000 | $ 172,000 | $ 62,000 |
| Rappahannock County Virginia | 1 | $ 488,000 | $ 488,000 | $ 277,000 |
| Richmond City County Virginia | 1 | $ 120,000 | $ 120,000 | $ 381,000 |
| Rockbridge County Virginia | 1 | $ 240,000 | $ 240,000 | $ 61,000 |
| Westmoreland County Virginia | 1 | $ 266,000 | $ 266,000 | $ 180,000 |
| Winchester County Virginia | 1 | $ 404,000 | $ 404,000 | $ 130,000 |
| Hampshire County West Virginia | 1 | $ 150,000 | $ 150,000 | $ 117,000 |
| Jefferson County West Virginia | 1 | $ 216,000 | $ 216,000 | $ 40,000 |
| Burnett County Wisconsin | 1 | $ 202,000 | $ 202,000 | $ 217,000 |
Mortgage Loan Application Detail Totals for Virginia Commerce Bank Inc in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 546 | $221,245,000 | $405,000 | $7,175,000 | $191,000 | $4,129,000 |
| Home Purchase | 234 | $108,670,000 | $464,000 | $2,000,000 | $190,000 | $1,916,000 |
| Home Improvement | 53 | $19,216,000 | $362,000 | $1,440,000 | $129,000 | $456,000 |
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 | 672 | $279,541,000 | $415,000 | $2,901,000 | $200,000 | $4,129,000 |
| Asian | 64 | $22,561,000 | $352,000 | $1,109,000 | $143,000 | $1,173,000 |
| Not applicable | 42 | $23,022,000 | $548,000 | $7,175,000 | $0 | $0 |
| Not Provided | 21 | $9,148,000 | $435,000 | $950,000 | $184,000 | $601,000 |
| Black or African American | 18 | $6,083,000 | $337,000 | $547,000 | $123,000 | $278,000 |
| Hispanic | 16 | $8,776,000 | $548,000 | $2,000,000 | $361,000 | $1,916,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 793 | $330,226,000 | $416,000 | $7,175,000 | $192,000 | $4,129,000 |
| FHA-insured (Federal Housing Administration) | 20 | $7,221,000 | $361,000 | $628,000 | $73,000 | $197,000 |
| VA-guaranteed (Veterans Administration) | 20 | $11,684,000 | $584,000 | $809,000 | $84,000 | $275,000 |
| 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 Originated | 757 | $315,951,000 | $417,000 | $7,175,000 | $185,000 | $4,129,000 |
| Application Denied By Financial Institution | 39 | $16,333,000 | $418,000 | $1,250,000 | $201,000 | $642,000 |
| Application Withdrawn By Applicant | 26 | $13,168,000 | $506,000 | $2,000,000 | $238,000 | $1,162,000 |
| Application Approved But Not Accepted | 6 | $1,639,000 | $273,000 | $563,000 | $163,000 | $252,000 |
| File Closed For Incompleteness | 4 | $1,844,000 | $461,000 | $626,000 | $166,000 | $270,000 |
| Loan Purchased By The Institution | 1 | $196,000 | $196,000 | $196,000 | $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 |
|---|---|---|---|---|---|---|
| Collateral | 25 | $11,063,000 | $442,000 | $1,250,000 | $236,000 | $642,000 |
| Credit History | 5 | $2,048,000 | $409,000 | $626,000 | $164,000 | $196,000 |
| Other | 4 | $1,298,000 | $324,000 | $417,000 | $102,000 | $151,000 |
| Debt-To-Income Ratio | 2 | $497,000 | $248,000 | $261,000 | $68,000 | $74,000 |
| Unverifiable Information | 1 | $1,000,000 | $1,000,000 | $1,000,000 | $327,000 | $327,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $236,000 | $236,000 | $236,000 | $184,000 | $184,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Virginia Commerce Bank Inc's 2012 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 Virginia Commerce Bank 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.
For a list of all lenders in Virginia, download the full spreadsheet
with aggregated HMDA statistics today.