Vision Mortgage, LLC Mortgage Lending & HMDA Data, 2006
In 2006, Vision Mortgage, LLC of Rockville, MD reported 2,290 mortgage applications totaling $567.4 million, up 46% from 2005. The average application was for $247,758, and applicants reported an average income of $91,446. 62% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (1,037), Bethesda-Gaithersburg-Frederick, MD (560) and Baltimore-Towson, MD (430) (applications in parentheses).
| Mortgage Company & Address | Vision Mortgage, LLC 9715 Key West Ave 2nd Floor Rockville, MD 20850 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 |
| Total Number of Mortgage Applications | 2,290 |
| Total Mortgage Loan Application Amount | $567,367,000 |
| Average Mortgage Loan Application Amount | $247,758 |
| Highest Mortgage Loan Application Amount | $1,976,000 |
| Average Applicant Income | $91,446 |
| Highest Applicant Income | $1,105,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Vision Mortgage, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Prince George's, Maryland | 474 | $ 109,472,000 | $ 230,953 | $ 76,000 |
| Montgomery, Maryland | 434 | $ 135,121,000 | $ 311,338 | $ 94,000 |
| Baltimore City, Maryland | 173 | $ 16,882,000 | $ 97,583 | $ 121,000 |
| District of Columbia, District Of Columbia | 134 | $ 35,769,000 | $ 266,932 | $ 115,000 |
| Frederick, Maryland | 126 | $ 32,060,000 | $ 254,444 | $ 70,000 |
| Fairfax, Virginia | 120 | $ 38,412,000 | $ 320,100 | $ 94,000 |
| Prince William, Virginia | 115 | $ 28,130,000 | $ 244,608 | $ 69,000 |
| Baltimore, Maryland | 106 | $ 20,440,000 | $ 192,830 | $ 90,000 |
| Anne Arundel, Maryland | 87 | $ 24,595,000 | $ 282,701 | $ 106,000 |
| Loudoun, Virginia | 45 | $ 15,226,000 | $ 338,355 | $ 101,000 |
| Charles, Maryland | 39 | $ 9,986,000 | $ 256,051 | $ 116,000 |
| Howard, Maryland | 39 | $ 15,177,000 | $ 389,153 | $ 90,000 |
| Washington, Maryland | 32 | $ 6,009,000 | $ 187,781 | $ 67,000 |
| Sussex, Delaware | 28 | $ 7,692,000 | $ 274,714 | $ 137,000 |
| Alexandria, Virginia | 26 | $ 5,858,000 | $ 225,307 | $ 97,000 |
| Arlington, Virginia | 18 | $ 5,802,000 | $ 322,333 | $ 84,000 |
| Mecklenburg, North Carolina | 17 | $ 1,340,000 | $ 78,823 | $ 34,000 |
| Carroll, Maryland | 14 | $ 4,208,000 | $ 300,571 | $ 79,000 |
| Manassas, Virginia | 14 | $ 3,161,000 | $ 225,785 | $ 66,000 |
| Spotsylvania, Virginia | 14 | $ 4,017,000 | $ 286,928 | $ 50,000 |
| Calvert, Maryland | 10 | $ 2,206,000 | $ 220,600 | $ 45,000 |
| Wicomico, Maryland | 10 | $ 890,000 | $ 89,000 | $ 71,000 |
| Jefferson, West Virginia | 10 | $ 2,361,000 | $ 236,100 | $ 130,000 |
| Harford, Maryland | 9 | $ 1,929,000 | $ 214,333 | $ 76,000 |
| Worcester, Maryland | 9 | $ 3,163,000 | $ 351,444 | $ 150,000 |
| Dorchester, Maryland | 8 | $ 1,371,000 | $ 171,375 | $ 54,000 |
| St. Mary's, Maryland | 8 | $ 1,946,000 | $ 243,250 | $ 80,000 |
| Richmond City, Virginia | 8 | $ 713,000 | $ 89,125 | $ 188,000 |
| Adams, Pennsylvania | 6 | $ 1,081,000 | $ 180,166 | $ 39,000 |
| Fauquier, Virginia | 6 | $ 1,338,000 | $ 223,000 | $ 69,000 |
| Stafford, Virginia | 6 | $ 777,000 | $ 129,500 | $ 114,000 |
| Broward, Florida | 5 | $ 1,799,000 | $ 359,800 | $ 79,000 |
| Chesterfield, Virginia | 5 | $ 720,000 | $ 144,000 | $ 69,000 |
| Frederick, Virginia | 5 | $ 3,616,000 | $ 723,200 | $ 208,000 |
| Flagler, Florida | 4 | $ 536,000 | $ 134,000 | $ 0 |
| Lee, Florida | 4 | $ 816,000 | $ 204,000 | $ 270,000 |
| Orange, Florida | 4 | $ 735,000 | $ 183,750 | $ 241,000 |
| Palm Beach, Florida | 4 | $ 609,000 | $ 152,250 | $ 196,000 |
| Franklin, Pennsylvania | 4 | $ 643,000 | $ 160,750 | $ 0 |
| Fairfax City, Virginia | 4 | $ 1,116,000 | $ 279,000 | $ 59,000 |
| Charlotte, Florida | 3 | $ 347,000 | $ 115,666 | $ 140,000 |
| Talbot, Maryland | 3 | $ 372,000 | $ 124,000 | $ 63,000 |
| York, Pennsylvania | 3 | $ 299,000 | $ 99,666 | $ 87,000 |
| Caroline, Virginia | 3 | $ 315,000 | $ 105,000 | $ 168,000 |
| Culpeper, Virginia | 3 | $ 508,000 | $ 169,333 | $ 32,000 |
| Hampton, Virginia | 3 | $ 252,000 | $ 84,000 | $ 126,000 |
| Henrico, Virginia | 3 | $ 526,000 | $ 175,333 | $ 103,000 |
| Portsmouth, Virginia | 3 | $ 258,000 | $ 86,000 | $ 26,000 |
| Winchester, Virginia | 3 | $ 842,000 | $ 280,666 | $ 0 |
| Pasco, Florida | 2 | $ 396,000 | $ 198,000 | $ 67,000 |
| Polk, Florida | 2 | $ 390,000 | $ 195,000 | $ 51,000 |
| St. Johns, Florida | 2 | $ 335,000 | $ 167,500 | $ 0 |
| Paulding, Georgia | 2 | $ 279,000 | $ 139,500 | $ 89,000 |
| Cecil, Maryland | 2 | $ 387,000 | $ 193,500 | $ 100,000 |
| Queen Anne's, Maryland | 2 | $ 1,656,000 | $ 828,000 | $ 292,000 |
| Somerset, Maryland | 2 | $ 220,000 | $ 110,000 | $ 70,000 |
| Jackson, North Carolina | 2 | $ 335,000 | $ 167,500 | $ 83,000 |
| Surry, North Carolina | 2 | $ 81,000 | $ 40,500 | $ 38,000 |
| Wake, North Carolina | 2 | $ 63,000 | $ 31,500 | $ 180,000 |
| Allegheny, Pennsylvania | 2 | $ 1,651,000 | $ 825,500 | $ 0 |
| Bucks, Pennsylvania | 2 | $ 243,000 | $ 121,500 | $ 108,000 |
| Lancaster, Pennsylvania | 2 | $ 381,000 | $ 190,500 | $ 86,000 |
| Philadelphia, Pennsylvania | 2 | $ 72,000 | $ 36,000 | $ 0 |
| Georgetown, South Carolina | 2 | $ 1,238,000 | $ 619,000 | $ 540,000 |
| Amelia, Virginia | 2 | $ 179,000 | $ 89,500 | $ 0 |
| Bedford, Virginia | 2 | $ 234,000 | $ 117,000 | $ 100,000 |
| Harrisonburg, Virginia | 2 | $ 184,000 | $ 92,000 | $ 21,000 |
| Norfolk, Virginia | 2 | $ 334,000 | $ 167,000 | $ 262,000 |
| Orange, Virginia | 2 | $ 275,000 | $ 137,500 | $ 0 |
| Petersburg, Virginia | 2 | $ 163,000 | $ 81,500 | $ 54,000 |
| Virginia Beach, Virginia | 2 | $ 414,000 | $ 207,000 | $ 109,000 |
| Berkeley, West Virginia | 2 | $ 280,000 | $ 140,000 | $ 19,000 |
| Fremont, Colorado | 1 | $ 232,000 | $ 232,000 | $ 139,000 |
| New Castle, Delaware | 1 | $ 248,000 | $ 248,000 | $ 0 |
| Brevard, Florida | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Clay, Florida | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Escambia, Florida | 1 | $ 181,000 | $ 181,000 | $ 59,000 |
| Hillsborough, Florida | 1 | $ 105,000 | $ 105,000 | $ 336,000 |
| Lake, Florida | 1 | $ 140,000 | $ 140,000 | $ 60,000 |
| Miami-Dade, Florida | 1 | $ 116,000 | $ 116,000 | $ 184,000 |
| Sarasota, Florida | 1 | $ 50,000 | $ 50,000 | $ 137,000 |
| Forsyth, Georgia | 1 | $ 401,000 | $ 401,000 | $ 145,000 |
| Allegany, Maryland | 1 | $ 115,000 | $ 115,000 | $ 77,000 |
| Caroline, Maryland | 1 | $ 276,000 | $ 276,000 | $ 107,000 |
| Brunswick, North Carolina | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Carteret, North Carolina | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Durham, North Carolina | 1 | $ 88,000 | $ 88,000 | $ 180,000 |
| Forsyth, North Carolina | 1 | $ 206,000 | $ 206,000 | $ 75,000 |
| Nash, North Carolina | 1 | $ 96,000 | $ 96,000 | $ 82,000 |
| Wayne, North Carolina | 1 | $ 51,000 | $ 51,000 | $ 144,000 |
| Warren, Ohio | 1 | $ 230,000 | $ 230,000 | $ 69,000 |
| Perry, Pennsylvania | 1 | $ 163,000 | $ 163,000 | $ 48,000 |
| Beaufort, South Carolina | 1 | $ 279,000 | $ 279,000 | $ 180,000 |
| Beadle, South Dakota | 1 | $ 67,000 | $ 67,000 | $ 75,000 |
| Albemarle, Virginia | 1 | $ 330,000 | $ 330,000 | $ 0 |
| Augusta, Virginia | 1 | $ 177,000 | $ 177,000 | $ 132,000 |
| Fredericksburg, Virginia | 1 | $ 146,000 | $ 146,000 | $ 168,000 |
| Greene, Virginia | 1 | $ 442,000 | $ 442,000 | $ 153,000 |
| Manassas Park, Virginia | 1 | $ 299,000 | $ 299,000 | $ 118,000 |
| Mecklenburg, Virginia | 1 | $ 50,000 | $ 50,000 | $ 0 |
| New Kent, Virginia | 1 | $ 358,000 | $ 358,000 | $ 0 |
| Shenandoah, Virginia | 1 | $ 272,000 | $ 272,000 | $ 235,000 |
| Ohio, West Virginia | 1 | $ 83,000 | $ 83,000 | $ 35,000 |
| Pocahontas, West Virginia | 1 | $ 134,000 | $ 134,000 | $ 205,000 |
| Tucker, West Virginia | 1 | $ 147,000 | $ 147,000 | $ 149,000 |
Mortgage Loan Application Detail Totals for Vision Mortgage, LLC in 2006
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 | 1,487 | $344,387,000 | $231,000 | $1,976,000 | $89,000 | $1,105,000 |
| Refinancing | 801 | $222,951,000 | $278,000 | $1,967,000 | $96,000 | $876,000 |
| Home Improvement | 2 | $29,000 | $14,000 | $15,000 | $87,000 | $174,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 677 | $143,853,000 | $212,000 | $1,000,000 | $68,000 | $437,000 |
| Black or African American | 583 | $139,984,000 | $240,000 | $1,286,000 | $87,000 | $360,000 |
| White | 579 | $166,584,000 | $287,000 | $1,967,000 | $129,000 | $1,014,000 |
| Not Provided | 341 | $81,454,000 | $238,000 | $1,976,000 | $77,000 | $1,105,000 |
| Asian | 99 | $31,253,000 | $315,000 | $1,509,000 | $98,000 | $450,000 |
| American Indian or Alaskan Native | 6 | $2,863,000 | $477,000 | $1,193,000 | $104,000 | $276,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,278,000 | $319,000 | $610,000 | $126,000 | $210,000 |
| Not applicable | 1 | $98,000 | $98,000 | $98,000 | $177,000 | $177,000 |
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) | 2,290 | $567,367,000 | $247,000 | $1,976,000 | $91,000 | $1,105,000 |
| 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 | 1,427 | $360,354,000 | $252,000 | $1,976,000 | $97,000 | $1,105,000 |
| Application Denied By Financial Institution | 384 | $86,174,000 | $224,000 | $1,885,000 | $79,000 | $654,000 |
| Application Approved But Not Accepted | 304 | $75,358,000 | $247,000 | $1,500,000 | $88,000 | $870,000 |
| File Closed For Incompleteness | 98 | $25,370,000 | $258,000 | $1,509,000 | $76,000 | $420,000 |
| Application Withdrawn By Applicant | 77 | $20,111,000 | $261,000 | $820,000 | $71,000 | $450,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 128 | $28,954,000 | $226,000 | $1,238,000 | $54,000 | $428,000 |
| Other | 51 | $11,747,000 | $230,000 | $1,500,000 | $133,000 | $654,000 |
| Collateral | 40 | $11,134,000 | $278,000 | $1,625,000 | $102,000 | $360,000 |
| Unverifiable Information | 36 | $7,876,000 | $218,000 | $620,000 | $93,000 | $360,000 |
| Debt-To-Income Ratio | 25 | $6,302,000 | $252,000 | $615,000 | $79,000 | $210,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $4,469,000 | $297,000 | $1,885,000 | $49,000 | $154,000 |
| Employment History | 3 | $406,000 | $135,000 | $208,000 | $132,000 | $168,000 |
| Credit Application Incomplete | 3 | $740,000 | $246,000 | $466,000 | $221,000 | $281,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Vision Mortgage, LLC's 2006 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 Vision Mortgage, LLC'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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