2023 Totals: $3,758,953,525,000 in Mortgages Applied for out of 11,483,889 Applications
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- Data Updated through 2023
Monarch Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Monarch Bank 2015 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 | Monarch Bank 1435 Crossways Boulevard, Suite 101 Chesapeake, VA 23320 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 10,910 |
| Total Mortgage Loan Application Amount | $2,808,558,000 |
| Average Mortgage Loan Application Amount | $252,333 |
| Highest Mortgage Loan Application Amount | $4,655,000 |
| Average Applicant Income | $93,333 |
| Highest Applicant Income | $1,550,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Monarch Bank. 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 Monarch Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Monarch Bank'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 Monarch Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Monarch Bank, 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 Monarch Bank's mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Abbeville County South Carolina | 3 | $ 358,000 | $ 119,000 | $ 26,000 |
| Accomack County Virginia | 1 | $ 101,000 | $ 101,000 | $ 77,000 |
| Adams County Pennsylvania | 10 | $ 1,797,000 | $ 179,000 | $ 74,000 |
| Aiken County South Carolina | 1 | $ 184,000 | $ 184,000 | $ 68,000 |
| Alamance County North Carolina | 3 | $ 482,000 | $ 160,000 | $ 30,000 |
| Albemarle County Virginia | 3 | $ 877,000 | $ 292,000 | $ 121,000 |
| Alexander County North Carolina | 1 | $ 88,000 | $ 88,000 | $ 23,000 |
| Alexandria County Virginia | 41 | $ 15,768,000 | $ 384,000 | $ 148,000 |
| Alleghany County Virginia | 3 | $ 742,000 | $ 247,000 | $ 236,000 |
| Allegheny County Pennsylvania | 4 | $ 722,000 | $ 180,000 | $ 78,000 |
| Anne Arundel County Maryland | 606 | $ 173,099,000 | $ 285,000 | $ 99,000 |
| Anson County North Carolina | 3 | $ 301,000 | $ 100,000 | $ 56,000 |
| Appomattox County Virginia | 1 | $ 70,000 | $ 70,000 | $ 28,000 |
| Arlington County Virginia | 42 | $ 21,724,000 | $ 517,000 | $ 197,000 |
| Ashe County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 116,000 |
| Avery County North Carolina | 1 | $ 232,000 | $ 232,000 | $ 97,000 |
| Baltimore City County Maryland | 143 | $ 22,057,000 | $ 154,000 | $ 76,000 |
| Baltimore County Maryland | 368 | $ 82,690,000 | $ 224,000 | $ 77,000 |
| Bath County Virginia | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| Beaufort County North Carolina | 3 | $ 575,000 | $ 191,000 | $ 98,000 |
| Beaufort County South Carolina | 3 | $ 604,000 | $ 201,000 | $ 79,000 |
| Bedford County Virginia | 4 | $ 1,335,000 | $ 333,000 | $ 68,000 |
| Berkeley County West Virginia | 7 | $ 1,212,000 | $ 173,000 | $ 79,000 |
| Botetourt County Virginia | 3 | $ 646,000 | $ 215,000 | $ 66,000 |
| Brunswick County North Carolina | 18 | $ 4,056,000 | $ 225,000 | $ 102,000 |
| Brunswick County Virginia | 3 | $ 268,000 | $ 89,000 | $ 75,000 |
| Buckingham County Virginia | 1 | $ 69,000 | $ 69,000 | $ 27,000 |
| Bucks County Pennsylvania | 1 | $ 329,000 | $ 329,000 | $ 142,000 |
| Buncombe County North Carolina | 3 | $ 443,000 | $ 147,000 | $ 51,000 |
| Burke County North Carolina | 1 | $ 119,000 | $ 119,000 | $ 49,000 |
| Cabarrus County North Carolina | 63 | $ 12,059,000 | $ 191,000 | $ 76,000 |
| Calvert County Maryland | 145 | $ 40,796,000 | $ 281,000 | $ 93,000 |
| Camden County North Carolina | 10 | $ 2,096,000 | $ 209,000 | $ 80,000 |
| Caroline County Maryland | 17 | $ 2,672,000 | $ 157,000 | $ 76,000 |
| Caroline County Virginia | 8 | $ 991,000 | $ 123,000 | $ 54,000 |
| Carroll County Maryland | 125 | $ 33,117,000 | $ 264,000 | $ 96,000 |
| Carroll County Virginia | 1 | $ 92,000 | $ 92,000 | $ 51,000 |
| Catawba County North Carolina | 5 | $ 969,000 | $ 193,000 | $ 56,000 |
| Cecil County Maryland | 17 | $ 3,789,000 | $ 222,000 | $ 68,000 |
| Charles City County Virginia | 1 | $ 181,000 | $ 181,000 | $ 45,000 |
| Charles County Maryland | 327 | $ 89,342,000 | $ 273,000 | $ 78,000 |
| Charleston County South Carolina | 10 | $ 2,902,000 | $ 290,000 | $ 119,000 |
| Chatham County North Carolina | 9 | $ 2,179,000 | $ 242,000 | $ 96,000 |
| Cherokee County North Carolina | 1 | $ 220,000 | $ 220,000 | $ 47,000 |
| Cherokee County South Carolina | 1 | $ 51,000 | $ 51,000 | $ 21,000 |
| Chesapeake County Virginia | 652 | $ 170,839,000 | $ 262,000 | $ 87,000 |
| Chester County Pennsylvania | 2 | $ 412,000 | $ 206,000 | $ 51,000 |
| Chester County South Carolina | 1 | $ 136,000 | $ 136,000 | $ 51,000 |
| Chesterfield County South Carolina | 1 | $ 88,000 | $ 88,000 | $ 60,000 |
| Chesterfield County Virginia | 205 | $ 45,250,000 | $ 220,000 | $ 89,000 |
| Chowan County North Carolina | 1 | $ 126,000 | $ 126,000 | $ 38,000 |
| Cleveland County North Carolina | 1 | $ 112,000 | $ 112,000 | $ 35,000 |
| Collier County Florida | 1 | $ 465,000 | $ 465,000 | $ 175,000 |
| Colonial Heights County Virginia | 3 | $ 574,000 | $ 191,000 | $ 97,000 |
| Columbus County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 32,000 |
| Craven County North Carolina | 1 | $ 130,000 | $ 130,000 | $ 165,000 |
| Culpeper County Virginia | 4 | $ 1,123,000 | $ 280,000 | $ 76,000 |
| Cumberland County North Carolina | 18 | $ 3,640,000 | $ 202,000 | $ 55,000 |
| Currituck County North Carolina | 75 | $ 18,850,000 | $ 251,000 | $ 104,000 |
| Dare County North Carolina | 114 | $ 29,539,000 | $ 259,000 | $ 135,000 |
| Dauphin County Pennsylvania | 1 | $ 93,000 | $ 93,000 | $ 51,000 |
| Davidson County North Carolina | 3 | $ 665,000 | $ 221,000 | $ 75,000 |
| Delaware County Pennsylvania | 1 | $ 198,000 | $ 198,000 | $ 122,000 |
| Dinwiddie County Virginia | 2 | $ 315,000 | $ 157,000 | $ 56,000 |
| District of Columbia County District Of Columbia | 238 | $ 86,765,000 | $ 364,000 | $ 122,000 |
| Dorchester County Maryland | 4 | $ 827,000 | $ 206,000 | $ 72,000 |
| Dorchester County South Carolina | 5 | $ 991,000 | $ 198,000 | $ 71,000 |
| Duplin County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 53,000 |
| Durham County North Carolina | 8 | $ 1,199,000 | $ 149,000 | $ 133,000 |
| Duval County Florida | 2 | $ 335,000 | $ 167,000 | $ 94,000 |
| Essex County Virginia | 2 | $ 204,000 | $ 102,000 | $ 68,000 |
| Fairfax City County Virginia | 8 | $ 3,518,000 | $ 439,000 | $ 78,000 |
| Fairfax County Virginia | 397 | $ 156,979,000 | $ 395,000 | $ 135,000 |
| Falls Church County Virginia | 4 | $ 1,728,000 | $ 432,000 | $ 175,000 |
| Fauquier County Virginia | 25 | $ 9,009,000 | $ 360,000 | $ 109,000 |
| Florence County South Carolina | 1 | $ 200,000 | $ 200,000 | $ 67,000 |
| Forsyth County North Carolina | 11 | $ 1,657,000 | $ 150,000 | $ 47,000 |
| Franklin City County Virginia | 3 | $ 625,000 | $ 208,000 | $ 40,000 |
| Franklin County North Carolina | 21 | $ 4,105,000 | $ 195,000 | $ 71,000 |
| Franklin County Pennsylvania | 3 | $ 825,000 | $ 275,000 | $ 117,000 |
| Franklin County Virginia | 4 | $ 1,135,000 | $ 283,000 | $ 81,000 |
| Frederick County Maryland | 269 | $ 71,693,000 | $ 266,000 | $ 91,000 |
| Frederick County Virginia | 10 | $ 2,734,000 | $ 273,000 | $ 65,000 |
| Fredericksburg County Virginia | 2 | $ 520,000 | $ 260,000 | $ 74,000 |
| Fulton County Pennsylvania | 1 | $ 312,000 | $ 312,000 | $ 244,000 |
| Garrett County Maryland | 3 | $ 1,090,000 | $ 363,000 | $ 170,000 |
| Gaston County North Carolina | 51 | $ 7,018,000 | $ 137,000 | $ 61,000 |
| Gates County North Carolina | 3 | $ 465,000 | $ 155,000 | $ 27,000 |
| Giles County Virginia | 1 | $ 231,000 | $ 231,000 | $ 63,000 |
| Gloucester County Virginia | 22 | $ 5,777,000 | $ 262,000 | $ 100,000 |
| Goochland County Virginia | 10 | $ 2,207,000 | $ 220,000 | $ 84,000 |
| Granville County North Carolina | 20 | $ 3,655,000 | $ 182,000 | $ 62,000 |
| Greene County Virginia | 1 | $ 227,000 | $ 227,000 | $ 68,000 |
| Greenville County South Carolina | 3 | $ 783,000 | $ 261,000 | $ 100,000 |
| Greenwood County South Carolina | 17 | $ 2,465,000 | $ 145,000 | $ 49,000 |
| Guilford County North Carolina | 8 | $ 1,259,000 | $ 157,000 | $ 67,000 |
| Hampton County Virginia | 147 | $ 26,810,000 | $ 182,000 | $ 66,000 |
| Hanover County Virginia | 58 | $ 14,289,000 | $ 246,000 | $ 99,000 |
| Hardy County West Virginia | 2 | $ 225,000 | $ 112,000 | $ 76,000 |
| Harford County Maryland | 182 | $ 46,705,000 | $ 256,000 | $ 90,000 |
| Harnett County North Carolina | 41 | $ 7,845,000 | $ 191,000 | $ 69,000 |
| Harrisonburg County Virginia | 1 | $ 155,000 | $ 155,000 | $ 73,000 |
| Haywood County North Carolina | 2 | $ 357,000 | $ 178,000 | $ 85,000 |
| Henderson County North Carolina | 27 | $ 4,442,000 | $ 164,000 | $ 62,000 |
| Henrico County Virginia | 176 | $ 34,507,000 | $ 196,000 | $ 82,000 |
| Hillsborough County Florida | 1 | $ 159,000 | $ 159,000 | $ 39,000 |
| Hoke County North Carolina | 3 | $ 637,000 | $ 212,000 | $ 39,000 |
| Hopewell County Virginia | 3 | $ 130,000 | $ 43,000 | $ 35,000 |
| Horry County South Carolina | 9 | $ 1,994,000 | $ 221,000 | $ 101,000 |
| Howard County Maryland | 221 | $ 74,516,000 | $ 337,000 | $ 118,000 |
| Hyde County North Carolina | 1 | $ 300,000 | $ 300,000 | $ 135,000 |
| Iredell County North Carolina | 107 | $ 23,082,000 | $ 215,000 | $ 93,000 |
| Isle of Wight County Virginia | 34 | $ 8,761,000 | $ 257,000 | $ 99,000 |
| Jackson County North Carolina | 1 | $ 87,000 | $ 87,000 | $ 17,000 |
| James City County Virginia | 47 | $ 15,150,000 | $ 322,000 | $ 104,000 |
| Jefferson County West Virginia | 4 | $ 880,000 | $ 220,000 | $ 120,000 |
| Johnston County North Carolina | 13 | $ 2,534,000 | $ 194,000 | $ 59,000 |
| Kanawha County West Virginia | 3 | $ 382,000 | $ 127,000 | $ 63,000 |
| Kent County Delaware | 12 | $ 2,871,000 | $ 239,000 | $ 41,000 |
| Kent County Maryland | 2 | $ 366,000 | $ 183,000 | $ 75,000 |
| Kershaw County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| King and Queen County Virginia | 2 | $ 338,000 | $ 169,000 | $ 54,000 |
| King George County Virginia | 28 | $ 8,239,000 | $ 294,000 | $ 97,000 |
| King William County Virginia | 3 | $ 542,000 | $ 180,000 | $ 70,000 |
| Lancaster County Pennsylvania | 6 | $ 1,333,000 | $ 222,000 | $ 86,000 |
| Lancaster County South Carolina | 23 | $ 4,167,000 | $ 181,000 | $ 73,000 |
| Lancaster County Virginia | 3 | $ 816,000 | $ 272,000 | $ 142,000 |
| Laurens County South Carolina | 1 | $ 226,000 | $ 226,000 | $ 94,000 |
| Lee County Florida | 1 | $ 354,000 | $ 354,000 | $ 280,000 |
| Lee County North Carolina | 2 | $ 294,000 | $ 147,000 | $ 37,000 |
| Lexington County South Carolina | 2 | $ 460,000 | $ 230,000 | $ 70,000 |
| Lincoln County North Carolina | 20 | $ 4,721,000 | $ 236,000 | $ 88,000 |
| Lincoln County West Virginia | 2 | $ 246,000 | $ 123,000 | $ 52,000 |
| Loudoun County Virginia | 119 | $ 42,617,000 | $ 358,000 | $ 120,000 |
| Louisa County Virginia | 11 | $ 1,753,000 | $ 159,000 | $ 112,000 |
| Lycoming County Pennsylvania | 2 | $ 521,000 | $ 260,000 | $ 142,000 |
| Manassas County Virginia | 19 | $ 4,746,000 | $ 249,000 | $ 82,000 |
| Manassas Park County Virginia | 7 | $ 1,905,000 | $ 272,000 | $ 86,000 |
| Marion County South Carolina | 1 | $ 128,000 | $ 128,000 | $ 59,000 |
| Martin County North Carolina | 1 | $ 41,000 | $ 41,000 | $ 209,000 |
| Mathews County Virginia | 1 | $ 242,000 | $ 242,000 | $ 0 |
| McDowell County North Carolina | 1 | $ 113,000 | $ 113,000 | $ 150,000 |
| Mecklenburg County North Carolina | 406 | $ 68,754,000 | $ 169,000 | $ 78,000 |
| Montgomery County Maryland | 684 | $ 225,299,000 | $ 329,000 | $ 105,000 |
| Montgomery County North Carolina | 9 | $ 978,000 | $ 108,000 | $ 61,000 |
| Montgomery County Pennsylvania | 4 | $ 2,397,000 | $ 599,000 | $ 286,000 |
| Moore County North Carolina | 4 | $ 1,231,000 | $ 307,000 | $ 118,000 |
| Nelson County Virginia | 2 | $ 505,000 | $ 252,000 | $ 249,000 |
| New Castle County Delaware | 3 | $ 863,000 | $ 287,000 | $ 75,000 |
| New Hanover County North Carolina | 86 | $ 16,291,000 | $ 189,000 | $ 91,000 |
| New Kent County Virginia | 8 | $ 2,022,000 | $ 252,000 | $ 96,000 |
| Newport News County Virginia | 112 | $ 19,560,000 | $ 174,000 | $ 75,000 |
| Norfolk County Virginia | 397 | $ 92,784,000 | $ 233,000 | $ 87,000 |
| Northampton County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 235,000 |
| Northampton County Virginia | 4 | $ 1,187,000 | $ 296,000 | $ 417,000 |
| Northumberland County Virginia | 1 | $ 320,000 | $ 320,000 | $ 229,000 |
| Oconee County South Carolina | 3 | $ 1,183,000 | $ 394,000 | $ 86,000 |
| Onslow County North Carolina | 14 | $ 3,289,000 | $ 234,000 | $ 50,000 |
| Orange County North Carolina | 2 | $ 373,000 | $ 186,000 | $ 122,000 |
| Orange County Virginia | 7 | $ 1,346,000 | $ 192,000 | $ 76,000 |
| Page County Virginia | 2 | $ 355,000 | $ 177,000 | $ 103,000 |
| Pasco County Florida | 1 | $ 68,000 | $ 68,000 | $ 56,000 |
| Pasquotank County North Carolina | 11 | $ 1,924,000 | $ 174,000 | $ 79,000 |
| Pender County North Carolina | 12 | $ 2,401,000 | $ 200,000 | $ 66,000 |
| Perquimans County North Carolina | 6 | $ 1,118,000 | $ 186,000 | $ 75,000 |
| Petersburg County Virginia | 3 | $ 400,000 | $ 133,000 | $ 46,000 |
| Philadelphia County Pennsylvania | 3 | $ 852,000 | $ 284,000 | $ 187,000 |
| Pickens County South Carolina | 4 | $ 378,000 | $ 94,000 | $ 98,000 |
| Pitt County North Carolina | 2 | $ 192,000 | $ 96,000 | $ 42,000 |
| Polk County North Carolina | 8 | $ 1,260,000 | $ 157,000 | $ 77,000 |
| Poquoson County Virginia | 11 | $ 3,664,000 | $ 333,000 | $ 131,000 |
| Portsmouth County Virginia | 140 | $ 20,906,000 | $ 149,000 | $ 56,000 |
| Powhatan County Virginia | 15 | $ 2,535,000 | $ 169,000 | $ 69,000 |
| Prince Edward County Virginia | 3 | $ 456,000 | $ 152,000 | $ 51,000 |
| Prince George County Virginia | 1 | $ 157,000 | $ 157,000 | $ 41,000 |
| Prince George's County Maryland | 769 | $ 198,011,000 | $ 257,000 | $ 78,000 |
| Prince William County Virginia | 212 | $ 65,081,000 | $ 306,000 | $ 93,000 |
| Queen Anne's County Maryland | 38 | $ 13,129,000 | $ 345,000 | $ 93,000 |
| Randolph County North Carolina | 1 | $ 116,000 | $ 116,000 | $ 71,000 |
| Richmond City County Virginia | 90 | $ 16,813,000 | $ 186,000 | $ 92,000 |
| Richmond County Virginia | 1 | $ 201,000 | $ 201,000 | $ 46,000 |
| Roanoke City County Virginia | 14 | $ 2,269,000 | $ 162,000 | $ 62,000 |
| Roanoke County Virginia | 22 | $ 4,122,000 | $ 187,000 | $ 90,000 |
| Rockingham County North Carolina | 1 | $ 214,000 | $ 214,000 | $ 123,000 |
| Rockingham County Virginia | 2 | $ 487,000 | $ 243,000 | $ 202,000 |
| Rowan County North Carolina | 22 | $ 3,444,000 | $ 156,000 | $ 64,000 |
| Rutherford County North Carolina | 1 | $ 113,000 | $ 113,000 | $ 61,000 |
| Salem County Virginia | 3 | $ 580,000 | $ 193,000 | $ 75,000 |
| Sampson County North Carolina | 3 | $ 345,000 | $ 115,000 | $ 43,000 |
| Santa Rosa County Florida | 1 | $ 209,000 | $ 209,000 | $ 116,000 |
| Shenandoah County Virginia | 1 | $ 243,000 | $ 243,000 | $ 70,000 |
| Smyth County Virginia | 2 | $ 88,000 | $ 44,000 | $ 47,000 |
| Somerset County Maryland | 1 | $ 172,000 | $ 172,000 | $ 46,000 |
| Southampton County Virginia | 7 | $ 1,551,000 | $ 221,000 | $ 76,000 |
| Spartanburg County South Carolina | 8 | $ 1,108,000 | $ 138,000 | $ 59,000 |
| Spotsylvania County Virginia | 28 | $ 6,739,000 | $ 240,000 | $ 87,000 |
| St. Johns County Florida | 1 | $ 417,000 | $ 417,000 | $ 92,000 |
| St. Mary's County Maryland | 162 | $ 39,641,000 | $ 244,000 | $ 82,000 |
| Stafford County Virginia | 43 | $ 12,087,000 | $ 281,000 | $ 75,000 |
| Stanly County North Carolina | 27 | $ 3,261,000 | $ 120,000 | $ 51,000 |
| Staunton County Virginia | 1 | $ 139,000 | $ 139,000 | $ 110,000 |
| Stokes County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 27,000 |
| Suffolk County Virginia | 170 | $ 43,842,000 | $ 257,000 | $ 76,000 |
| Sullivan County Tennessee | 2 | $ 296,000 | $ 148,000 | $ 41,000 |
| Surry County Virginia | 5 | $ 1,011,000 | $ 202,000 | $ 88,000 |
| Sussex County Delaware | 12 | $ 3,358,000 | $ 279,000 | $ 163,000 |
| Sussex County Virginia | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Talbot County Maryland | 8 | $ 1,866,000 | $ 233,000 | $ 71,000 |
| Transylvania County North Carolina | 2 | $ 331,000 | $ 165,000 | $ 49,000 |
| Union County North Carolina | 178 | $ 32,952,000 | $ 185,000 | $ 75,000 |
| Virginia Beach County Virginia | 1,165 | $ 308,181,000 | $ 264,000 | $ 88,000 |
| Wake County North Carolina | 37 | $ 7,409,000 | $ 200,000 | $ 89,000 |
| Walton County Florida | 1 | $ 168,000 | $ 168,000 | $ 322,000 |
| Warren County North Carolina | 2 | $ 528,000 | $ 264,000 | $ 241,000 |
| Warren County Virginia | 8 | $ 1,208,000 | $ 151,000 | $ 100,000 |
| Washington County Maryland | 48 | $ 8,470,000 | $ 176,000 | $ 63,000 |
| Washington County Virginia | 36 | $ 6,104,000 | $ 169,000 | $ 81,000 |
| Watauga County North Carolina | 1 | $ 129,000 | $ 129,000 | $ 238,000 |
| Westmoreland County Virginia | 10 | $ 2,044,000 | $ 204,000 | $ 84,000 |
| Wicomico County Maryland | 2 | $ 235,000 | $ 117,000 | $ 42,000 |
| Williamsburg County Virginia | 4 | $ 784,000 | $ 196,000 | $ 101,000 |
| Winchester County Virginia | 4 | $ 663,000 | $ 165,000 | $ 42,000 |
| Worcester County Maryland | 15 | $ 3,036,000 | $ 202,000 | $ 130,000 |
| Wythe County Virginia | 5 | $ 1,095,000 | $ 219,000 | $ 99,000 |
| Yancey County North Carolina | 1 | $ 152,000 | $ 152,000 | $ 84,000 |
| York County Pennsylvania | 32 | $ 5,959,000 | $ 186,000 | $ 76,000 |
| York County South Carolina | 75 | $ 13,925,000 | $ 185,000 | $ 81,000 |
| York County Virginia | 34 | $ 10,086,000 | $ 296,000 | $ 116,000 |
Mortgage Loan Application Detail Totals for Monarch Bank in 2015
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 | 7,388 | $1,815,551,000 | $245,000 | $1,500,000 | $91,000 | $1,550,000 |
| Refinancing | 3,361 | $956,162,000 | $284,000 | $4,655,000 | $90,000 | $1,217,000 |
| Home Improvement | 161 | $36,845,000 | $228,000 | $1,200,000 | $99,000 | $681,000 |
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 | 6,798 | $1,768,878,000 | $260,000 | $1,750,000 | $97,000 | $1,533,000 |
| Black or African American | 2,085 | $494,541,000 | $237,000 | $1,459,000 | $77,000 | $1,217,000 |
| Hispanic | 726 | $173,482,000 | $238,000 | $1,221,000 | $72,000 | $979,000 |
| Not Provided | 583 | $166,406,000 | $285,000 | $1,480,000 | $99,000 | $938,000 |
| Asian | 568 | $165,563,000 | $291,000 | $1,200,000 | $102,000 | $1,550,000 |
| Not applicable | 93 | $25,455,000 | $273,000 | $4,655,000 | $0 | $0 |
| American Indian or Alaskan Native | 31 | $8,140,000 | $262,000 | $608,000 | $102,000 | $293,000 |
| Native Hawaiian or Other Pacific Islander | 26 | $6,093,000 | $234,000 | $604,000 | $95,000 | $217,000 |
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) | 5,347 | $1,383,173,000 | $258,000 | $4,655,000 | $111,000 | $1,550,000 |
| FHA-insured (Federal Housing Administration) | 3,442 | $797,813,000 | $231,000 | $636,000 | $65,000 | $621,000 |
| VA-guaranteed (Veterans Administration) | 1,829 | $570,166,000 | $311,000 | $1,118,000 | $85,000 | $1,027,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 292 | $57,406,000 | $196,000 | $495,000 | $58,000 | $130,000 |
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 | 7,929 | $2,057,352,000 | $259,000 | $4,655,000 | $91,000 | $1,533,000 |
| Application Withdrawn By Applicant | 1,425 | $366,497,000 | $257,000 | $1,750,000 | $95,000 | $1,550,000 |
| Application Denied By Financial Institution | 718 | $164,268,000 | $228,000 | $1,221,000 | $73,000 | $979,000 |
| File Closed For Incompleteness | 611 | $163,172,000 | $267,000 | $1,000,000 | $103,000 | $1,217,000 |
| Application Approved But Not Accepted | 227 | $57,269,000 | $252,000 | $1,480,000 | $96,000 | $377,000 |
| 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 | 392 | $93,771,000 | $239,000 | $1,200,000 | $71,000 | $400,000 |
| Debt-To-Income Ratio | 168 | $34,762,000 | $206,000 | $620,000 | $54,000 | $348,000 |
| Collateral | 100 | $21,288,000 | $212,000 | $650,000 | $102,000 | $390,000 |
| Unverifiable Information | 20 | $5,166,000 | $258,000 | $993,000 | $99,000 | $483,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $3,725,000 | $219,000 | $510,000 | $69,000 | $192,000 |
| Employment History | 12 | $2,050,000 | $170,000 | $313,000 | $43,000 | $112,000 |
| Other | 5 | $1,065,000 | $213,000 | $323,000 | $59,000 | $98,000 |
| Credit Application Incomplete | 3 | $2,004,000 | $668,000 | $1,221,000 | $407,000 | $979,000 |
| Mortgage Insurance Denied | 1 | $437,000 | $437,000 | $437,000 | $102,000 | $102,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Monarch Bank's 2015 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 Monarch Bank'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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with aggregated HMDA statistics today.
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