Wachovia Bank Of Delaware
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Wachovia Bank Of Delaware 2007 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 | Wachovia Bank Of Delaware Tonya Young 100 N Main St Mac D4001-063 Winston-Salem, NC 27101 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,857 |
| Total Mortgage Loan Application Amount | $188,959,000 |
| Average Mortgage Loan Application Amount | $83,333 |
| Highest Mortgage Loan Application Amount | $939,000 |
| Average Applicant Income | $93,333 |
| Highest Applicant Income | $2,477,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 with Wachovia Bank Of Delaware. 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 Wachovia Bank Of Delaware's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2007 breaks down Wachovia Bank Of Delaware'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 Wachovia Bank Of Delaware serves its applicants.
Each category highlights the total number of mortgage applications processed by Wachovia Bank Of Delaware, 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 Wachovia Bank Of Delaware's mortgage activity for 2007.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New Castle County Delaware | 1,126 | $ 110,416,000 | $ 98,000 | $ 100,000 |
| Kent County Delaware | 238 | $ 23,716,000 | $ 99,000 | $ 74,000 |
| Sussex County Delaware | 188 | $ 20,244,000 | $ 107,000 | $ 87,000 |
| Chester County Pennsylvania | 64 | $ 8,133,000 | $ 127,000 | $ 131,000 |
| Cecil County Maryland | 41 | $ 5,027,000 | $ 122,000 | $ 106,000 |
| Delaware County Pennsylvania | 39 | $ 3,431,000 | $ 87,000 | $ 122,000 |
| Philadelphia County Pennsylvania | 26 | $ 2,350,000 | $ 90,000 | $ 99,000 |
| Salem County New Jersey | 12 | $ 1,212,000 | $ 101,000 | $ 154,000 |
| Kent County Maryland | 9 | $ 1,079,000 | $ 119,000 | $ 102,000 |
| Montgomery County Pennsylvania | 9 | $ 1,047,000 | $ 116,000 | $ 204,000 |
| Worcester County Maryland | 8 | $ 914,000 | $ 114,000 | $ 233,000 |
| Gloucester County New Jersey | 8 | $ 986,000 | $ 123,000 | $ 130,000 |
| Bucks County Pennsylvania | 6 | $ 877,000 | $ 146,000 | $ 119,000 |
| Forsyth County Georgia | 4 | $ 597,000 | $ 149,000 | $ 223,000 |
| Cape May County New Jersey | 4 | $ 550,000 | $ 137,000 | $ 141,000 |
| Lancaster County Pennsylvania | 4 | $ 211,000 | $ 52,000 | $ 96,000 |
| Prince George's County Maryland | 3 | $ 222,000 | $ 74,000 | $ 186,000 |
| Atlantic County New Jersey | 3 | $ 239,000 | $ 79,000 | $ 61,000 |
| Middlesex County New Jersey | 3 | $ 644,000 | $ 214,000 | $ 106,000 |
| Augusta County Virginia | 3 | $ 1,366,000 | $ 455,000 | $ 634,000 |
| Hernando County Florida | 2 | $ 123,000 | $ 61,000 | $ 34,000 |
| St. Lucie County Florida | 2 | $ 92,000 | $ 46,000 | $ 51,000 |
| Volusia County Florida | 2 | $ 55,000 | $ 27,000 | $ 62,000 |
| Baltimore County Maryland | 2 | $ 65,000 | $ 32,000 | $ 37,000 |
| Caroline County Maryland | 2 | $ 275,000 | $ 137,000 | $ 169,000 |
| Ocean County New Jersey | 2 | $ 201,000 | $ 100,000 | $ 94,000 |
| Dauphin County Pennsylvania | 2 | $ 27,000 | $ 13,000 | $ 53,000 |
| Lebanon County Pennsylvania | 2 | $ 67,000 | $ 33,000 | $ 27,000 |
| Luzerne County Pennsylvania | 2 | $ 140,000 | $ 70,000 | $ 69,000 |
| Grayson County Virginia | 2 | $ 42,000 | $ 21,000 | $ 48,000 |
| Northumberland County Virginia | 2 | $ 330,000 | $ 165,000 | $ 63,000 |
| Madison County Alabama | 1 | $ 15,000 | $ 15,000 | $ 105,000 |
| Fresno County California | 1 | $ 400,000 | $ 400,000 | $ 121,000 |
| Broward County Florida | 1 | $ 116,000 | $ 116,000 | $ 144,000 |
| Collier County Florida | 1 | $ 164,000 | $ 164,000 | $ 197,000 |
| Lake County Florida | 1 | $ 117,000 | $ 117,000 | $ 87,000 |
| Lee County Florida | 1 | $ 8,000 | $ 8,000 | $ 55,000 |
| Miami-Dade County Florida | 1 | $ 135,000 | $ 135,000 | $ 98,000 |
| Richmond County Georgia | 1 | $ 45,000 | $ 45,000 | $ 91,000 |
| Anne Arundel County Maryland | 1 | $ 61,000 | $ 61,000 | $ 111,000 |
| Dorchester County Maryland | 1 | $ 300,000 | $ 300,000 | $ 258,000 |
| Frederick County Maryland | 1 | $ 33,000 | $ 33,000 | $ 299,000 |
| Harford County Maryland | 1 | $ 162,000 | $ 162,000 | $ 220,000 |
| Burlington County New Jersey | 1 | $ 71,000 | $ 71,000 | $ 80,000 |
| Camden County New Jersey | 1 | $ 101,000 | $ 101,000 | $ 120,000 |
| Essex County New Jersey | 1 | $ 5,000 | $ 5,000 | $ 24,000 |
| Hudson County New Jersey | 1 | $ 46,000 | $ 46,000 | $ 80,000 |
| Morris County New Jersey | 1 | $ 760,000 | $ 760,000 | $ 560,000 |
| Passaic County New Jersey | 1 | $ 350,000 | $ 350,000 | $ 173,000 |
| Catawba County North Carolina | 1 | $ 38,000 | $ 38,000 | $ 133,000 |
| Dare County North Carolina | 1 | $ 61,000 | $ 61,000 | $ 120,000 |
| Hoke County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 35,000 |
| Lincoln County North Carolina | 1 | $ 70,000 | $ 70,000 | $ 110,000 |
| Moore County North Carolina | 1 | $ 22,000 | $ 22,000 | $ 98,000 |
| Allegheny County Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 50,000 |
| Berks County Pennsylvania | 1 | $ 89,000 | $ 89,000 | $ 85,000 |
| Carbon County Pennsylvania | 1 | $ 142,000 | $ 142,000 | $ 91,000 |
| Cumberland County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 98,000 |
| Monroe County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 88,000 |
| Tioga County Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 50,000 |
| York County Pennsylvania | 1 | $ 66,000 | $ 66,000 | $ 136,000 |
| Berkeley County South Carolina | 1 | $ 81,000 | $ 81,000 | $ 58,000 |
| Charleston County South Carolina | 1 | $ 160,000 | $ 160,000 | $ 40,000 |
| Windham County Vermont | 1 | $ 100,000 | $ 100,000 | $ 96,000 |
| Charlotte County Virginia | 1 | $ 50,000 | $ 50,000 | $ 88,000 |
| Fauquier County Virginia | 1 | $ 154,000 | $ 154,000 | $ 103,000 |
| New Kent County Virginia | 1 | $ 14,000 | $ 14,000 | $ 45,000 |
| Marathon County Wisconsin | 1 | $ 100,000 | $ 100,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for Wachovia Bank Of Delaware in 2007
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 | 1,458 | $166,728,000 | $114,000 | $939,000 | $103,000 | $2,477,000 |
| Home Improvement | 324 | $15,548,000 | $47,000 | $465,000 | $89,000 | $705,000 |
| Home Purchase | 75 | $6,683,000 | $89,000 | $760,000 | $88,000 | $560,000 |
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 | 1,273 | $128,447,000 | $100,000 | $617,000 | $108,000 | $2,477,000 |
| Black or African American | 269 | $30,183,000 | $112,000 | $939,000 | $77,000 | $280,000 |
| Not Provided | 196 | $17,380,000 | $88,000 | $480,000 | $84,000 | $372,000 |
| Hispanic | 73 | $7,369,000 | $100,000 | $350,000 | $82,000 | $500,000 |
| Asian | 24 | $3,815,000 | $158,000 | $760,000 | $161,000 | $705,000 |
| American Indian or Alaskan Native | 13 | $779,000 | $59,000 | $205,000 | $62,000 | $122,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $986,000 | $109,000 | $297,000 | $68,000 | $141,000 |
| 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) | 1,857 | $188,959,000 | $101,000 | $939,000 | $100,000 | $2,477,000 |
| 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 | 893 | $79,858,000 | $89,000 | $617,000 | $109,000 | $2,477,000 |
| Application Approved But Not Accepted | 497 | $54,789,000 | $110,000 | $500,000 | $103,000 | $745,000 |
| Application Denied By Financial Institution | 466 | $54,277,000 | $116,000 | $939,000 | $81,000 | $634,000 |
| File Closed For Incompleteness | 1 | $35,000 | $35,000 | $35,000 | $73,000 | $73,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 204 | $19,104,000 | $93,000 | $416,000 | $69,000 | $347,000 |
| Debt-To-Income Ratio | 164 | $21,272,000 | $129,000 | $509,000 | $70,000 | $416,000 |
| Collateral | 89 | $12,739,000 | $143,000 | $939,000 | $124,000 | $634,000 |
| Other | 9 | $1,162,000 | $129,000 | $760,000 | $127,000 | $560,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wachovia Bank Of Delaware's 2007 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 Wachovia Bank Of Delaware'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 North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.