Richmond County VA
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Unlock detailed Richmond County VA mortgage statistics and HMDA loan application data from 2003 to 2023.
Analyze total mortgage applications, loan amounts, and key lending trends across the area.
Our interactive tools let you explore mortgage data by location and lender offering insights into housing market
activity and lending patterns in this area and throughout the US.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Virginia.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| Years | 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 | 635 |
| Total Mortgage Loan Application Amount | $75,175,000 |
| Average Mortgage Loan Application Amount | $118,000 |
| Highest Mortgage Loan Application Amount | $600,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $263,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. WILMINGTON, DE 75019 |
* | $ 10,000,000 | 53 | $ 7,092,000 |
| PEOPLES COMMUNITY BANK PO BOX 306 MONTROSS, VA 22520 |
* | $ 100,752,000 | 46 | $ 3,145,000 |
| BENEFICIAL COMPANY LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 500,990,000 | 38 | $ 3,566,000 |
| COUNTRYWIDE HOME LOANS 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 26 | $ 3,574,000 |
| ESSEX BANK 9954 MAYLAND DRIVE SUITE 2100 RICHMOND, VA 23233 |
* | $ 236,691,000 | 22 | $ 1,757,000 |
| WELLS FARGO BANK, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 366,256,000,000 | 20 | $ 3,325,000 |
| VANDERBILT MORTGAGE 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 18 | $ 1,386,000 |
| WESTSTAR MORTGAGE, INC. 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 17 | $ 2,043,000 |
| WASHINGTON MUTUAL BANK 227 EAST AVENUE ALBION, NY 14411 |
* | $ 272,927,502,000 | 16 | $ 2,025,000 |
| AMERICAN GENERAL FIN.SERV.(DE) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 15 | $ 552,000 |
| ABN AMRO MTG GROUP INC 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 14 | $ 2,044,000 |
| OAK STREET MORTGAGE 11555 N MERIDIAN ST CARMEL, IN 46032 |
* | $ 10,000,000 | 13 | $ 1,261,000 |
| EVB PO BOX 1455 TAPPAHANNOCK, VA 22560 |
* | $ 386,897,000 | 11 | $ 402,000 |
| GMAC MORTGAGE LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 10 | $ 966,000 |
| HOME123 CORPORATION 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 10 | $ 1,720,000 |
| NATIONAL CITY BANK OF INDIANA 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 28,456,701,000 | 10 | $ 1,172,000 |
| OPTION ONE MORTGAGE CORP 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 9 | $ 1,796,000 |
| NEW CENTURY MORTGAGE CORPORATI 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 9 | $ 1,024,000 |
| EQUITY ONE 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 19,257,000,000 | 9 | $ 678,000 |
| AEGIS LENDING CORPORATION 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 9 | $ 1,201,000 |
| CITIFINANCIAL, INC. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,484,101,000,000 | 8 | $ 648,000 |
| JPMORGAN CHASE BANK, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 967,365,000,000 | 8 | $ 1,267,000 |
| EVB MORTGAGE LLC 4433 CORPORATION LANE #300 VIRGINIA BEACH, VA 23462 |
* | $ 176,555,000 | 8 | $ 1,225,000 |
| HFC COMPANY LLC 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 97,714,234,000 | 7 | $ 827,000 |
| ENCORE CREDIT CORP 1833 ALTON PARKWAY IRVINE, CA 92606 |
* | $ 10,000,000 | 7 | $ 1,346,000 |
| CITIMORTGAGE, INC 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 59,720,267,000 | 7 | $ 736,000 |
| BRANCH BANKING AND TRUST CO 223 W NASH STREET WILSON, NC 27893 |
* | $ 74,479,112,000 | 7 | $ 1,037,000 |
| ACCREDITED HOME LENDERS, INC 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 7 | $ 522,000 |
| SUNTRUST MORTGAGE, INC 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 130,780,100,000 | 7 | $ 1,621,000 |
| LIBERTY MORTGAGE CORPORATION 2713 FOREST HILLS RD WILSON, NC 27893 |
* | $ 43,553,752,000 | 5 | $ 728,000 |
| C & F MORTGAGE CORPORATION 1400 ALVERSER DRIVE WEST POINT, VA 23113 |
* | $ 189,567,000 | 5 | $ 714,000 |
| DELTA FUNDING CORPORATION 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 5 | $ 565,000 |
| E-LOAN, INC. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 4 | $ 796,000 |
| FMF CAPITAL LLC 25800 NORTHWESTERN HWY, STE. 500 SOUTHFIELD, MI 48075 |
* | $ 180,821,000 | 4 | $ 466,000 |
| BANK OF AMERICA, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 771,618,758,000 | 4 | $ 749,000 |
| COLONIAL FARM CREDIT, ACA 7104 MECHANICSVILLE TURNPIKE MECHANICSVILLE, VA 23111 |
* | $ 10,000,000 | 4 | $ 530,000 |
| CHESAPEAKE BANK 35 SCHOOL STREET, PO BOX 2256 KILMARNOCK, VA 22482 |
* | $ 358,554,000 | 4 | $ 435,000 |
| AMERICAN HOME MORTGAGE CORP. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 4 | $ 447,000 |
| MILLENNIA MORTGAGE CORPORATION 9891 IRVINE CENTER DRIVE, STE. 200 IRVINE, CA 92618 |
* | $ 10,000,000 | 4 | $ 380,000 |
| MORTGAGE LENDERS NETWORK USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 4 | $ 649,000 |
| MERITAGE MORTGAGE CORPORATION 4901 BELFORT ROAD, SUITE 160 JACKSONVILLE, FL 32256 |
* | $ 331,410,000 | 4 | $ 233,000 |
| PHH MORTGAGE CORPORATION 1 MORTGAGE WAY MOUNT LAUREL, NJ 08054 |
* | $ 31,000,000 | 4 | $ 771,000 |
| WELLS FARGO FIN'L SYS VIRGINIA 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 198,808,000 | 4 | $ 229,000 |
| WELLS FARGO BANK, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 389,963,000,000 | 3 | $ 719,000 |
| WACHOVIA MORTGAGE CORP 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 3 | $ 520,000 |
| UNION MORTGAGE GROUP, INC. 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 1,237,650,000 | 3 | $ 681,000 |
| RESIDENTIAL FUNDING CORP. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 285,000 |
| METAMERICA MORTGAGE 5151 BONNEY ROAD VIRGINIA BEACH, VA 23462 |
* | $ 10,000,000 | 3 | $ 238,000 |
| AURORA BANK FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,456,642,000 | 3 | $ 726,000 |
| EMBRACE HOME LOANS, INC. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 238,000 |
| AIG FEDERAL SAVINGS BANK 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,663,205,000 | 3 | $ 506,000 |
| FIRST MARINER BANK 3301 BOSTON STREET BALTIMORE, MD 21224 |
* | $ 1,199,897,000 | 3 | $ 494,000 |
| CHASE MANHATTAN BANK USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 88,743,171,000 | 3 | $ 447,000 |
| CALUSA INVESTMENTS, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 3 | $ 518,000 |
| GE MONEY BANK 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 7,000,000,000 | 3 | $ 174,000 |
| GMAC BANK 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 3,880,165,000 | 3 | $ 406,000 |
| HSBC MORTGAGE SERVICES, INC. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 18,823,411,000 | 3 | $ 215,000 |
| HOMECOMINGS FINANCIAL LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 177,000 |
| HOMEOWNERS LOAN CORPORATION 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 2 | $ 132,000 |
| GMFS, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 2 | $ 133,000 |
| E*TRADE BANK 671 NORTH GLEBE RD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 25,545,577,000 | 2 | $ 526,000 |
| DECISION ONE MORTGAGE 26525 N. RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 339,807,228,000 | 2 | $ 123,000 |
| CORINTHIAN MORTGAGE CORP 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 2 | $ 193,000 |
| EVERBANK 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,260,000 | 2 | $ 559,000 |
| FIELDSTONE MORTGAGE COMPANY 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 2 | $ 84,000 |
| FIRST MAGNUS FINANCIAL CORP 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 2 | $ 86,000 |
| FLAGSTAR BANK 5151 CORPORATE DR TROY, MI 48098 |
* | $ 13,102,536,000 | 2 | $ 180,000 |
| LONG BEACH MORTGAGE CO. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 2 | $ 391,000 |
| NFCU 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 22,927,745,000 | 2 | $ 358,000 |
| SAXON MORTGAGE 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 2 | $ 354,000 |
| THE MORTGAGE OUTLET, INC. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 2 | $ 140,000 |
| TOPSIDE FEDERAL CREDIT UNION PO BOX 519 DAHLGREN, VA 22448 |
* | $ 205,559,000 | 2 | $ 74,000 |
| US BANK, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 194,436,638,000 | 2 | $ 283,000 |
| UNION FEDERAL C/O SKY BANK 137 CLOUGH ST BOWLING GREEN, OH 43402 |
* | $ 3,718,770,000 | 2 | $ 294,000 |
| WELLS FARGO FUNDING, INC 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 389,000 |
| WELLS FARGO FIN'L CRED SERV NY 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 344,338,000 | 1 | $ 175,000 |
| USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 16,675,614,000 | 1 | $ 95,000 |
| UNITED FINANCIAL MORTGAGE CORP 815 COMMERCE DRIVE SUITE 100 OAK BROOK, IL 60523 |
* | $ 10,000,000 | 1 | $ 55,000 |
| PRIMARY RESIDENTIAL MORTGAGE 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 100,000 |
| PARAMOUNT MORTGAGE SERVICES, I 231 CROSSWICKS RD., SUITE 5 BORDENTOWN, NJ 08505 |
* | $ 10,000,000 | 1 | $ 60,000 |
| PEOPLE'S CHOICE FINANCIAL CORP 7515 IRVINE CENTER DR. IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 60,000 |
| THE WASHINGTON SAVINGS BANK 4201 MITCHELLVILLE RD SUITE 300 BOWIE, MD 20716 |
* | $ 563,298,000 | 1 | $ 86,000 |
| THE LENDING CONNECTION, INC 5901 WARNER AVE #478 HUNTINGTON BEACH, CA 92649 |
* | $ 10,000,000 | 1 | $ 135,000 |
| SEBRING CAPITAL PARTNERS, LP 4000 INTERNATIONAL PARWAY, SUITE 3000 CARROLLTON, TX 75007 |
* | $ 10,000,000 | 1 | $ 75,000 |
| SHORE MORTGAGE 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 121,000 |
| SIDUS FINANCIAL, LLC 1905 TURNBURY DRIVE GREENVILLE, NC 27858 |
* | $ 10,000,000 | 1 | $ 160,000 |
| SOUTHERN TRUST MORTGAGE, LLC 150 BOUSH STREET #400 NORFOLK, VA 23510 |
* | $ 10,000,000 | 1 | $ 113,000 |
| STERLING NATIONAL MORTGAGE CO. 98 CUTTERMILL RD GREAT NECK, NY 11021 |
* | $ 964,388,000 | 1 | $ 176,000 |
| NORTHWEST FEDERAL CREDIT UNION 220 SPRING STREET HERNDON, VA 20170 |
* | $ 1,327,008,000 | 1 | $ 185,000 |
| NOVASTAR HOME MORTGAGE, INC. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 180,000 |
| NOVASTAR MORTGAGE 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 1 | $ 60,000 |
| NATIONWIDE ADVANTAGE MORTGAGE 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 387,000 |
| MBNA AMERICA DELAWARE, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 3,919,502,000 | 1 | $ 25,000 |
| LENDMARK FINANCIAL SERVICES 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 125,000 |
| MORTGAGE SOUTH INC 5206 MARKEL ROAD STE 100A RICHMOND, VA 23230 |
* | $ 10,000,000 | 1 | $ 104,000 |
| SIGNATURE FEDERAL CREDIT UNION 12 HERBERT ST. ALEXANDRIA, VA 22313 |
* | $ 181,871,000 | 1 | $ 93,000 |
| NATIONAL CITY BANK 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 52,974,916,000 | 1 | $ 18,000 |
| FLEXPOINT FUNDING CORPORATION 30 EXECUTIVE PARK SUITE 200 IRVINE, CA 92614 |
* | $ 26,612,275,000 | 1 | $ 146,000 |
| FIRST RESIDENTIAL MORTGAGE 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 140,000 |
| FINANCE AMERICA 745 SEVENTH AVENUE, 24TH FLOOR NEW YORK, NY 10019 |
* | $ 250,000,000 | 1 | $ 160,000 |
| FIRST GREENSBORO HOME EQUITY 1801 STANLEY RD, STE 400 GREENSBORO, NC 27407 |
* | $ 10,000,000 | 1 | $ 92,000 |
| FIRST INTERNET BANK OF INDIANA 11201 USA PARKWAY FISHERS, IN 46037 |
* | $ 442,392,000 | 1 | $ 5,000 |
| EQUITY SERVICES, INC. 5711 SIX FORKS ROAD, STE 201 RALEIGH, NC 27609 |
* | $ 10,000,000 | 1 | $ 139,000 |
| GREENLIGHT FINANCIAL SERVICES 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 69,000 |
| FRANKLIN FEDERAL SAVINGS BANK P O BOX 5310 4501 COX ROAD GLEN ALLEN, VA 23058 |
* | $ 841,362,000 | 1 | $ 167,000 |
| HSBC BANK USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 138,296,274,000 | 1 | $ 132,000 |
| HOMEONE CREDIT CORP. 10700 NORTH FREEWAY #1000 HOUSTON, TX 77037 |
* | $ 10,000,000 | 1 | $ 118,000 |
| INDYMAC BANK, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 15,675,394,000 | 1 | $ 96,000 |
| KEYBANK NATIONAL ASSOCIATION 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 86,061,798,000 | 1 | $ 64,000 |
| CCO MORTGAGE 10 TRIPPS LANE RIVERSIDE, RI 02915 |
* | $ 51,200,000,000 | 1 | $ 249,000 |
| CALL FEDERAL CREDIT UNION 4605 COMMERCE ROAD RICHMOND, VA 23234 |
* | $ 234,875,000 | 1 | $ 215,000 |
| CHEVY CHASE BANK, F.S.B. 7501 WISCONSIN AVE 13TH FLR-W BETHESDA,, MD 20814 |
* | $ 13,381,863,000 | 1 | $ 83,000 |
| CITIFINANCIAL MTG CO, INC 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 1 | $ 106,000 |
| COLONIAL SAVINGS, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 1,063,813,000 | 1 | $ 30,000 |
| COASTAL MORTGAGE SERVICES, INC 11230 CARMEL COMMONS BOULEVARD CHARLOTTE, NC 28226 |
* | $ 10,000,000 | 1 | $ 175,000 |
| AAMES FUNDING CORPORATION 15090 AVENUE OF SCIENCE SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 88,000 |
| ACCESS MORTGAGE & FINANCIAL 3040 CHARLEVOIX DR SE GRAND RAPIDS, MI 49546 |
* | $ 3,619,000 | 1 | $ 153,000 |
| ALLIED HOME MTG CAPITAL CORP 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 140,000 |
| ALLIED HOME MORTGAGE CORP. 6110 PINEMONT DR., STE. 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 174,000 |
| ADVENT MORTGAGE, LLC 305 N HURSTBOURNE LN. SUITE 120 LOUISVILLE, KY 40222 |
* | $ 436,077,000 | 1 | $ 98,000 |
| BENCHMARK MORTGAGE, INC 4413 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 167,000 |
| AMERICAN MORTGAGE EXPRESS CORP 136 GAITHER DRIVE MOUNT LAUREL, NJ 08054 |
* | $ 10,000,000 | 1 | $ 160,000 |
| AMTRUST BANK 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 13,770,188,000 | 1 | $ 335,000 |
The HMDA mortgage data below offers a comprehensive breakdown of loan application trends for 2005, covering key categories like loan purpose, applicant race, loan type, approval outcomes, and denial reasons. Each dataset details the total number of applications and the total loan amounts, helping you analyze lending activity with precision.
Easily search and sort data by metrics such as average mortgage amount, highest loan value, average applicant income, and top income levels within each category. Whether you're researching market trends, borrower demographics, or specific mortgage types, these insights provide a valuable snapshot of lending patterns, helping you make more informed decisions in the mortgage and real estate industries.
Mortgage Loan Application Detail Totals for Richmond County VA in 2005
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 | 389 | $50,466,000 | $129,000 | $600,000 | $53,000 | $263,000 |
| Home Purchase | 170 | $20,923,000 | $123,000 | $399,000 | $54,000 | $203,000 |
| Home Improvement | 76 | $3,786,000 | $49,000 | $275,000 | $49,000 | $159,000 |
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 | 328 | $41,504,000 | $126,000 | $600,000 | $63,000 | $250,000 |
| Black or African American | 148 | $13,455,000 | $90,000 | $387,000 | $46,000 | $190,000 |
| Not Provided | 100 | $12,858,000 | $128,000 | $500,000 | $56,000 | $263,000 |
| Not applicable | 33 | $4,578,000 | $138,000 | $389,000 | $0 | $26,000 |
| Hispanic | 24 | $2,680,000 | $111,000 | $248,000 | $59,000 | $110,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $40,000 | $40,000 | $40,000 | $14,000 | $14,000 |
| American Indian or Alaskan Native | 1 | $60,000 | $60,000 | $60,000 | $66,000 | $66,000 |
| Asian | 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) | 609 | $71,558,000 | $117,000 | $600,000 | $54,000 | $263,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,871,000 | $116,000 | $175,000 | $34,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,514,000 | $189,000 | $285,000 | $36,000 | $83,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $232,000 | $116,000 | $129,000 | $21,000 | $42,000 |
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 | 243 | $29,181,000 | $120,000 | $600,000 | $63,000 | $222,000 |
| Application Denied By Financial Institution | 185 | $19,402,000 | $104,000 | $500,000 | $49,000 | $263,000 |
| Application Withdrawn By Applicant | 91 | $12,466,000 | $136,000 | $440,000 | $45,000 | $135,000 |
| Loan Purchased By The Institution | 60 | $8,268,000 | $137,000 | $389,000 | $39,000 | $180,000 |
| Application Approved But Not Accepted | 39 | $3,862,000 | $99,000 | $285,000 | $58,000 | $250,000 |
| File Closed For Incompleteness | 17 | $1,996,000 | $117,000 | $315,000 | $54,000 | $125,000 |
| 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 | 55 | $6,183,000 | $112,000 | $500,000 | $48,000 | $190,000 |
| Other | 27 | $2,968,000 | $109,000 | $458,000 | $60,000 | $263,000 |
| Credit Application Incomplete | 11 | $1,342,000 | $122,000 | $200,000 | $55,000 | $126,000 |
| Collateral | 10 | $1,486,000 | $148,000 | $345,000 | $47,000 | $62,000 |
| Debt-To-Income Ratio | 9 | $1,251,000 | $139,000 | $300,000 | $51,000 | $142,000 |
| Unverifiable Information | 4 | $341,000 | $85,000 | $137,000 | $13,000 | $21,000 |
| Employment History | 1 | $115,000 | $115,000 | $115,000 | $72,000 | $72,000 |
| 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 for industry professionals, researchers, and analysts looking to understand lending trends in the area. With detailed data on mortgage applications, loan amounts, applicant income, loan purposes, and approval rates, you can uncover key patterns shaping the local housing market.
Whether you're a real estate expert, financial analyst, or policymaker, these in-depth mortgage lending statistics help you track market shifts, assess borrower demographics, and evaluate lender performance. Use this powerful data to make informed decisions, conduct market research, and stay ahead in the evolving mortgage industry.