Unlock detailed Manassas 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 | 2,053 |
Total Mortgage Loan Application Amount | $619,185,000 |
Average Mortgage Loan Application Amount | $301,000 |
Highest Mortgage Loan Application Amount | $7,955,000 |
Average Applicant Income | $115,000 |
Highest Applicant Income | $1,188,000 |
Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
---|---|---|---|---|
ACADEMY MORTGAGE CORPORATION 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 1 | $ 275,000 |
AFFINITY 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 08720 |
* | $ 3,759,374,000 | 1 | $ 45,000 |
ALCOVA MORTGAGE LLC 308 MARKET ST, SE MECHANICSVILLE, VA 24011 |
* | $ -1,000 | 2 | $ 590,000 |
ALLIED MORTGAGE GROUP, INC. 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ -1,000 | 1 | $ 475,000 |
AMERICAN FIDELITY MORTGAGE SERVICES, INC. 4200 COMMERCE COURT, SUITE 200 LISLE, IL 60532 |
* | $ -1,000 | 1 | $ 825,000 |
AMERICAN FINANCIAL NETWORK, INC. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 23 | $ 7,615,000 |
AMERICAN FINANCIAL RESOURCES, INC. 9 SYLVAN WAY PARSIPPANY-TROY HILLS, NJ 07054 |
* | $ -1,000 | 1 | $ 445,000 |
AMERICAN FINANCING CORPORATION 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 3 | $ 755,000 |
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 700 EAST GATE DRIVE, SUITE 400 WILMINGTON, DE 08054 |
* | $ -1,000 | 1 | $ 555,000 |
AMERIHOME MORTGAGE COMPANY, LLC 21215 BURBANK BLVD, SUITE 400 WILMINGTON, DE 91367 |
* | $ -1,000 | 28 | $ 9,090,000 |
AMERIS BANK 300 SOUTH MAIN STREET ATLANTA, GA 31768 |
* | $ 23,754,594,000 | 5 | $ 2,185,000 |
AMERISAVE MORTGAGE CORPORATION 3525 PIEDMONT RD NE, 8 PIEDMONT CTR STE PEACHTREE CORNER, GA 30305 |
* | $ -1,000 | 30 | $ 9,660,000 |
AMWEST FUNDING CORP. 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 640,000 |
ANGEL OAK MORTGAGE SOLUTIONS LLC 980 HAMMOND DRIVE, SUITE 850 WILMINGTON, DE 30328 |
* | $ -1,000 | 1 | $ 185,000 |
APEX HOME LOANS, INC. 3204 TOWER OAKS BLVD., SUITE 400 ROCKVILLE, MD 20852 |
* | $ -1,000 | 1 | $ 265,000 |
APPLE FEDERAL CREDIT UNION 4029 RIDGE TOP RD FAIRFAX, VA 22030 |
* | $ 3,890,783,000 | 77 | $ 10,655,000 |
ARC HOME LLC 2010 CORPORATE RIDGE STE 750 BALTIMORE, MD 22102 |
* | $ -1,000 | 1 | $ 205,000 |
ARK-LA-TEX FINANCIAL SERVICES, LLC. 5160 TENNYSON PKWY STE 1000 AUSTIN, TX 75024 |
* | $ -1,000 | 2 | $ 660,000 |
ARLINGTON COMMUNITY FEDERAL CREDIT UNION PO BOX 40070 FALLS CHURCH, VA 22204 |
* | $ 412,032,000 | 3 | $ 155,000 |
ARMED FORCES BANK, NATIONAL ASSOCIATION 1111 MAIN ST SUITE 1600 KANSAS CITY, MO 64105 |
* | $ 1,230,840,000 | 2 | $ 970,000 |
ATHAS CAPITAL GROUP, INC. 27001 AGOURA ROAD, STE. 200 CALABASAS, CA 91301 |
* | $ -1,000 | 8 | $ 1,610,000 |
ATLANTIC COAST MORTGAGE, LLC 4100 MONUMENT CORNER DRIVE, SUITE 300 GLEN ALLEN, VA 22030 |
* | $ -1,000 | 26 | $ 9,190,000 |
ATLANTIC UNION BANK 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23219 |
* | $ 20,000,309,000 | 6 | $ 2,180,000 |
BANK OF AMERICA, NATIONAL ASSOCIATION 31303 AGOURA RD CA6-917-01-20 CHARLOTTE, NC 91361 |
* | $ 2,519,525,000,000 | 66 | $ 7,550,000 |
BANK-FUND STAFF FEDERAL CREDIT UNION 1725 I STREET NW SUITE 150 WASHINGTON, DC 20006 |
* | $ 6,544,502,000 | 3 | $ 495,000 |
BAY EQUITY LLC 28 LIBERTY SHIPWAY SUITE 2800 GLENDALE, CA 94965 |
* | $ -1,000 | 4 | $ 1,330,000 |
BAYSHORE MORTGAGE FUNDING, LLC 1920 GREENSPRING DRIVE, SUITE 140 BALTIMORE, MD 21093 |
* | $ -1,000 | 1 | $ 555,000 |
BEELINE LOANS, INC. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ -1,000 | 1 | $ 235,000 |
BETTER MORTGAGE CORPORATION 459 BROADWAY, FLOOR 5 GLENDALE, CA 10013 |
* | $ -1,000 | 6 | $ 2,090,000 |
BLUE RIDGE BANK, NATIONAL ASSOCIATION P.O. BOX 609, 17 WEST MAIN ST MARTINSVILLE, VA 22835 |
* | $ 2,640,347,000 | 3 | $ 975,000 |
BNC NATIONAL BANK 20175 N 67TH AVENUE GLENDALE, AZ 85308 |
* | $ 1,046,501,000 | 2 | $ 800,000 |
CALIBER HOME LOANS, INC. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 22 | $ 7,970,000 |
CANOPY MORTGAGE, LLC 380 TECHNOLOGY CT, SUITE 200 LEHI, UT 84042 |
* | $ -1,000 | 1 | $ 315,000 |
CAPITAL BANK, NATIONAL ASSOCIATION ONE CHURCH ST SUITE 300 ROCKVILLE, MD 20850 |
* | $ 2,014,131,000 | 1 | $ 385,000 |
CAPITAL CENTER, L.L.C. 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ -1,000 | 6 | $ 1,940,000 |
CAPITAL ONE, NATIONAL ASSOCIATION 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 381,299,804,000 | 1 | $ 7,955,000 |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 3701 ARCO CORPORATE DR., SUITE 200 SACRAMENTO, PA 28273 |
* | $ -1,000 | 15 | $ 4,315,000 |
CARRINGTON MORTGAGE SERVICES, LLC 1600 SO. DOUGLASS RD, SUITES 110 & 200A WILMINGTON, DE 92806 |
* | $ -1,000 | 17 | $ 4,795,000 |
CARTER BANK & TRUST PO BOX 3748 MARTINSVILLE, VA 24115 |
* | $ 4,133,175,000 | 1 | $ 355,000 |
CBM MORTGAGE, INC. 912 HOMETOWN WAY FRONT ROYAL, VA 22630 |
* | $ -1,000 | 1 | $ 455,000 |
CERTAINTY HOME LOANS, LLC 6101 WEST PLANO PARKWAY WILMINGTON, DE 75093 |
* | $ -1,000 | 1 | $ 355,000 |
CHICAGO MORTGAGE SOLUTIONS LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ -1,000 | 2 | $ 420,000 |
CITADEL SERVICING CORPORATION 15707 ROCKFIELD BLVD STE 320 SACRAMENTO, CA 92618 |
* | $ -1,000 | 1 | $ 225,000 |
CITIBANK, NATIONAL ASSOCIATION 1 COURT SQUARE,43RD FLOOR SIOUX FALLS, SD 11120 |
* | $ 1,669,227,000,000 | 3 | $ 1,255,000 |
CITIZENS BANK, NATIONAL ASSOCIATION ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 24 | $ 3,490,000 |
CITYWORTH MORTGAGE LLC 11781 LEE JACKSON HIGHWAY FAIRFAX, VA 22033 |
* | $ -1,000 | 2 | $ 500,000 |
CLEARPATH LENDING 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 920,000 |
CMG MORTGAGE, INC. 3160 CROW CANYON ROAD, SUITE 400 SACRAMENTO, CA 94583 |
* | $ -1,000 | 15 | $ 5,295,000 |
COMMERCE HOME MORTGAGE, INC. 3130 CANYON PLACE SACRAMENTO, CA 94583 |
* | $ -1,000 | 1 | $ 525,000 |
CONSUMER REAL ESTATE FINANCE CO. 330 SW 2ND ST #111 LOXAHATCHEE, FL 33312 |
* | $ -1,000 | 1 | $ 225,000 |
CORPORATE AMERICA FAMILY 2445 ALFT LANE ELGIN, IL 60124 |
* | $ 808,906,000 | 1 | $ 45,000 |
CREDIT UNION MORTGAGE ASSOCIATION, INC. 10800 MAIN STREET WILMINGTON, DE 22030 |
* | $ -1,000 | 6 | $ 1,910,000 |
CROSSCOUNTRY MORTGAGE, LLC 6850 MILLER RD WILMINGTON, DE 44141 |
* | $ -1,000 | 10 | $ 3,210,000 |
DATA MORTGAGE, INC. 2200 W. ORANGEWOOD AVE SUITE 150 SACRAMENTO, CA 92868 |
* | $ -1,000 | 2 | $ 1,020,000 |
DEEPHAVEN MORTGAGE LLC 3530 TORINGDON WAY #200 WILMINGTON, DE 28277 |
* | $ -1,000 | 2 | $ 1,080,000 |
DEPARTMENT OF COMMERCE P.O. BOX 14720 WASHINGTON, DC 20044 |
* | $ 633,901,000 | 2 | $ 640,000 |
DISCOVER BANK 12 READS WAY GREENWOOD, DE 19720 |
* | $ 108,342,526,000 | 34 | $ 3,160,000 |
DRAPER AND KRAMER MORTGAGE CORP. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ -1,000 | 4 | $ 1,490,000 |
EAGLEBANK 11931 TECH RD BETHESDA, MD 20904 |
* | $ 11,799,111,000 | 11 | $ 2,955,000 |
EMBRACE HOME LOANS, INC. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 23 | $ 8,305,000 |
EMET LENDING GROUP, INC. 2601 SATURN ST SUITE 200 BREA, CA 92821 |
* | $ -1,000 | 6 | $ 1,690,000 |
EMM LOANS LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08002 |
* | $ -1,000 | 1 | $ 515,000 |
ENCOMPASS LENDING GROUP, LP 23108 SEVEN MEADOWS PKWY SUITE 100 KATY, TX 77494 |
* | $ -1,000 | 1 | $ 205,000 |
EQUITY PRIME MORTGAGE LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 2 | $ 520,000 |
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4801 S. BILTMORE LANE AUSTIN, TX 53718 |
* | $ -1,000 | 17 | $ 5,865,000 |
FBC MORTGAGE, LLC 189 S ORANGE AVE STE 970 TALLAHASSEE, FL 32801 |
* | $ -1,000 | 13 | $ 7,815,000 |
FIDELITY BANK, NATIONAL ASSOCIATION 100 E ENGLISH WICHITA, KS 67202 |
* | $ 2,824,450,000 | 1 | $ 155,000 |
FIDELITY DIRECT MORTGAGE, LLC 555 QUINCE ORCHARD RD #411 CLARKSVILLE, MD 20878 |
* | $ -1,000 | 1 | $ 405,000 |
FIFTH THIRD BANK, NATIONAL ASSOCIATION 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 2 | $ 340,000 |
FIGURE LENDING LLC 15720 BRIXHAM HILL AVE, SUITE 300 WILMINGTON, DE 28277 |
* | $ -1,000 | 15 | $ 1,395,000 |
FILO MORTGAGE, L.L.C. 555 E NORTH LN #6125 DOVER, DE 19428 |
* | $ -1,000 | 4 | $ 1,210,000 |
FINANCE OF AMERICA MORTGAGE LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 3 | $ 1,565,000 |
FIRST COMMUNITY MORTGAGE, INC. 275 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 3 | $ 1,135,000 |
FIRST EQUITY MORTGAGE INCORPORATED 211 GRANDVIEW DRIVE, SUITE 102 CINCINNATI, OH 41017 |
* | $ -1,000 | 1 | $ 795,000 |
FIRST FEDERAL BANK 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 3,423,533,000 | 2 | $ 680,000 |
FIRST GUARANTY MORTGAGE CORPORATION 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 305,000 |
FIRST HERITAGE MORTGAGE, LLC 3201 JERMANTOWN ROAD, SUITE 500 RESTON, VA 22303 |
* | $ -1,000 | 17 | $ 6,935,000 |
FIRST HOME MORTGAGE CORPORATION 5355 NOTTINGHAM DRIVE, SUITE 130 LUTHERVILLE-TIMONIUM, MD 21236 |
* | $ -1,000 | 3 | $ 1,165,000 |
FIRST HORIZON BANK 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38101 |
* | $ 88,758,641,000 | 1 | $ 215,000 |
FIRST NATIONAL BANK OF AMERICA 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 3,310,189,000 | 9 | $ 2,945,000 |
FIRST NATIONAL BANK OF PENNSYLVANIA 166 MAIN ST GREENVILLE, PA 16125 |
* | $ 39,468,318,000 | 6 | $ 1,730,000 |
FIRST SAVINGS MORTGAGE CORPORATION 8444 WEST PARK DRIVE, THE 4TH FLOOR MCLEAN, VA 22102 |
* | $ -1,000 | 12 | $ 4,450,000 |
FIRST-CITIZENS BANK & TRUST COMPANY 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27609 |
* | $ 58,215,736,000 | 1 | $ 95,000 |
FLAGSTAR BANK, N.A. 5151 CORPORATE DRIVE HICKSVILLE, NY 48098 |
* | $ 16,855,693,000 | 19 | $ 6,005,000 |
FORBRIGHT BANK 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20817 |
* | $ 4,678,422,000 | 3 | $ 915,000 |
FREEDOM MORTGAGE CORPORATION 10500 KINCAID DRIVE MT LAUREL, NJ 46037 |
* | $ -1,000 | 41 | $ 16,415,000 |
FULTON BANK, NATIONAL ASSOCIATION ONE PENN SQUARE LANCASTER, PA 17604 |
* | $ 25,647,791,000 | 3 | $ 205,000 |
GEO-CORP, INC. 901 CORPORATE CENTER DRIVE, STE 401 PLANTATION, FL 91754 |
* | $ -1,000 | 1 | $ 295,000 |
GEORGE MASON MORTGAGE, LLC 4100 MONUMENT CORNER DRIVE #100 PRINCE WILLIAM, VA 22030 |
* | $ -1,000 | 17 | $ 6,135,000 |
GOPRIME MORTGAGE, INC. 320 N SALEM STREET RALEIGH, NC 27502 |
* | $ -1,000 | 1 | $ 495,000 |
GUARANTEED RATE AFFINITY, LLC 1800 WEST LARCHMONT AVE WILMINGTON, DE 60613 |
* | $ -1,000 | 4 | $ 1,490,000 |
GUARANTEED RATE, INC. 3940 NORTH RAVENSWOOD AVE WILMINGTON, DE 60613 |
* | $ -1,000 | 12 | $ 5,080,000 |
HANSCOM FEDERAL CREDIT UNION 25 PORTER ROAD, SUITE 100 BEDFORD, MA 01460 |
* | $ 1,804,018,000 | 1 | $ 95,000 |
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 12001 NORTH CENTRAL EXPRESSWAY SUITE 750 DALLAS, TX 75243 |
* | $ -1,000 | 1 | $ 525,000 |
HOME POINT FINANCIAL CORPORATION 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 16 | $ 5,510,000 |
HOMEBRIDGE FINANCIAL SERVICES, INC. 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 2 | $ 630,000 |
HOMEPROMISE CORPORATION 60 S WASHINGTON ST, STE 106 GLEN ALLEN, VA 17225 |
* | $ -1,000 | 2 | $ 760,000 |
HOMESPIRE MORTGAGE CORPORATION 9711 WASHINGTONIAN BLVD SUITE 500 BALTIMORE, MD 20878 |
* | $ -1,000 | 6 | $ 2,000,000 |
HOMETOWN LENDERS, INC. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 2 | $ 880,000 |
INFIRST FEDERAL CREDIT UNION 6462 LITTLE RIVER TURNPIKE ALEXANDRIA, VA 22312 |
* | $ 229,807,000 | 2 | $ 60,000 |
INTEGRITY HOME MORTGAGE CORPORATION 122 PILOT CIRCLE ALEXANDRIA, VA 22602 |
* | $ -1,000 | 6 | $ 3,680,000 |
INTERCOASTAL MORTGAGE, LLC 4100 MONUMENTAL CORNER DRIVE, SUITE 220 ROANOKE, VA 22030 |
* | $ -1,000 | 28 | $ 11,220,000 |
IVY MORTGAGE, INC. 7625 MAPLE LAWN BLVD SUITE 135 GAITHERSBURG, MD 20759 |
* | $ -1,000 | 1 | $ 185,000 |
IXONIA BANK W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ 589,632,000 | 1 | $ 375,000 |
JAMS-01, INC. JAMS-01, INC. 3701 PENDER DRIVE #150 ARLINGTON, VA 22030 |
* | $ -1,000 | 10 | $ 4,030,000 |
JET HOMELOANS, LP 1910 S 14TH ST #101 WILMINGTON, DE 32034 |
* | $ -1,000 | 17 | $ 10,055,000 |
JOHN MARSHALL BANK 1943 ISAAC NEWTON SQUARE, SUITE 100 RESTON, VA 20190 |
* | $ 2,147,194,000 | 1 | $ 205,000 |
JPMORGAN CHASE BANK, NATIONAL ASSOCIATION 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 21 | $ 6,445,000 |
KEYSTONE FUNDING, INC. 519 S RED HAVEN LN DOVER, DE 19901 |
* | $ -1,000 | 3 | $ 625,000 |
LAKEVIEW COMMUNITY CAPITAL, LLC 4425 PONE DE LEON BLVD, MS 5-251 PHOENIX, AZ 33146 |
* | $ -1,000 | 4 | $ 1,500,000 |
LAKEVIEW LOAN SERVICING, LLC 4425 PONCE DE LEON BLVD. WILMINGTON, DE 33146 |
* | $ -1,000 | 19 | $ 6,505,000 |
LANGLEY FEDERAL CREDIT UNION 721 LAKEFRONT COMMONS, SUITE 102 NEWPORT NEWS, VA 23606 |
* | $ 4,195,308,000 | 2 | $ 590,000 |
LOAN SIMPLE, INC. 9635 MAROON CIRCLE SUITE 100 COLORADO SPRINGS, CO 80112 |
* | $ -1,000 | 1 | $ 255,000 |
LOANDEPOT.COM, LLC 26642 TOWNE CENTRE DRIVE DOVER, DE 92610 |
* | $ -1,000 | 28 | $ 7,450,000 |
LOWER, LLC 5950 SYMPHONY WOODS DRIVE LUTHERVILLE, MD 21044 |
* | $ -1,000 | 24 | $ 7,870,000 |
MANN FINANCIAL INC. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 1 | $ 525,000 |
MANUFACTURERS AND TRADERS TRUST COMPANY 701 SENECA STREET - SUITE 330N BUFFALO, NY 14210 |
* | $ 154,617,469,000 | 18 | $ 3,440,000 |
MCLEAN MORTGAGE CORPORATION 11325 RANDOM HILLS RD. SUITE 400 FAIRFAX, VA 22030 |
* | $ -1,000 | 35 | $ 14,115,000 |
MERCHANTS BANK OF INDIANA 11555 N. MERIDIAN STREET INDIANAPOLIS, IN 46032 |
* | $ 10,994,199,000 | 1 | $ 145,000 |
MID-ISLAND MORTGAGE CORP. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11554 |
* | $ -1,000 | 1 | $ 285,000 |
MIDFIRST BANK 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 5 | $ 915,000 |
MILEND, INC. 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30350 |
* | $ -1,000 | 2 | $ 740,000 |
MISSION LOANS, LLC 5686 DRESSLER ROAD, NW UPPER ARLINGTON, OH 44720 |
* | $ -1,000 | 5 | $ 1,965,000 |
MLD MORTGAGE INC. 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ -1,000 | 1 | $ 195,000 |
MORIA DEVELOPMENT, INC. 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ -1,000 | 1 | $ 275,000 |
MORTGAGE ACCESS CORP. 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ -1,000 | 3 | $ 1,295,000 |
MORTGAGE ASSURANCE, INC. 1200 ASHWOOD PKWY. STE 200 PEACHTREE CORNERS, GA 30338 |
* | $ -1,000 | 1 | $ 405,000 |
MORTGAGE RESEARCH CENTER, LLC 1400 VETERANS UNITED DR. SAINT LOUIS, MO 65203 |
* | $ -1,000 | 10 | $ 5,270,000 |
MOVEMENT MORTGAGE, LLC 8024 CALVIN HALL ROAD WILMINGTON, DE 29707 |
* | $ -1,000 | 15 | $ 5,265,000 |
MUTUAL OF OMAHA MORTGAGE, INC. 3131 CAMINO DEL RIO N 190 WILMINGTON, DE 92108 |
* | $ -1,000 | 9 | $ 3,605,000 |
MY MORTGAGE, INC. 2191 DEFENSE HWY UNIT 304B PASADENA, MD 21114 |
* | $ -1,000 | 1 | $ 325,000 |
NASA FEDERAL CREDIT UNION 500 PRINCE GEORGE'S BLVD. UPPER MARLBORO, MD 20774 |
* | $ 3,646,771,000 | 1 | $ 525,000 |
NATIONS RELIABLE LENDING, LLC 2506 W MAIN STREET WILMINGTON, DE 77056 |
* | $ -1,000 | 1 | $ 265,000 |
NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. WILMINGTON, DE 75019 |
* | $ -1,000 | 23 | $ 6,515,000 |
NATIONWIDE MORTGAGE BANKERS, INC. 310A MAIN ST WILMINGTON, DE 08833 |
* | $ -1,000 | 2 | $ 700,000 |
NAVY FEDERAL CREDIT UNION 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 76 | $ 16,670,000 |
NBKC BANK 8320 WARD PARKWAY KANSAS, KS 64114 |
* | $ 1,041,605,000 | 2 | $ 730,000 |
NETWORK CAPITAL FUNDING CORPORATION 5 PARK PLAZA #800 CARSON CITY, NV 92614 |
* | $ -1,000 | 13 | $ 3,205,000 |
NEW AMERICAN FUNDING, LLC 14511 MYFORD ROAD, SUITE 100 DOVER, DE 92780 |
* | $ -1,000 | 8 | $ 2,110,000 |
NEW DAY FINANCIAL, LLC 8160 MAPLE LAWN BLVD. DOVER, DE 20759 |
* | $ -1,000 | 10 | $ 3,800,000 |
NEWREZ LLC 4000 CHEMICAL ROAD SUITE 200 WILMINGTON, DE 19462 |
* | $ -1,000 | 48 | $ 15,420,000 |
NEXBANK 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 10,822,403,000 | 2 | $ 780,000 |
NEXTMARK 4201 MEMBERS WAY FAIRFAX, VA 22030 |
* | $ 514,244,000 | 4 | $ 340,000 |
NFM, INC. 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ -1,000 | 26 | $ 10,170,000 |
NORTH AMERICAN SAVINGS BANK, F.S.B. 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,177,145,000 | 2 | $ 850,000 |
NORTHPOINTE BANK 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,726,840,000 | 4 | $ 1,880,000 |
NORTHWEST FEDERAL CREDIT UNION 220 SPRING STREET HERNDON, VA 20170 |
* | $ 4,351,512,000 | 28 | $ 3,750,000 |
ON Q FINANCIAL, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85251 |
* | $ -1,000 | 1 | $ 245,000 |
ONE AMERICAN BANK 515 S MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 345,640,000 | 1 | $ 525,000 |
OPEN BANK 1000 WILSHIRE BLVD. SUITE 100 LOS ANGELES, CA 90017 |
* | $ 1,726,548,000 | 1 | $ 295,000 |
OVM FINANCIAL, INC. 816 GREENBRIER CIRCLE SUITE 100 CHESAPEAKE, VA 23320 |
* | $ -1,000 | 2 | $ 880,000 |
PANORAMA MORTGAGE GROUP, LLC 350 SOUTH RAMPART BLVD, STE 310 CARSON CITY, NV 89145 |
* | $ -1,000 | 1 | $ 235,000 |
PARAMOUNT RESIDENTIAL MORTGAGE GROUP, INC. 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 7 | $ 2,175,000 |
PENNYMAC LOAN SERVICES, LLC 3043 TOWNSGATE ROAD WILMINGTON, DE 91361 |
* | $ -1,000 | 60 | $ 22,800,000 |
PENTAGON FEDERAL CREDIT UNION 7940 JONES BRANCH DRIVE MCLEAN, VA 22102 |
* | $ 32,520,025,000 | 35 | $ 7,795,000 |
PHH MORTGAGE CORPORATION 1 MORTGAGE WAY MOUNT LAUREL, NJ 08054 |
* | $ -1,000 | 10 | $ 3,910,000 |
PLAINS COMMERCE BANK 220 MAIN ST SIOUX FALLS, SD 57450 |
* | $ 1,046,473,000 | 6 | $ 2,370,000 |
PLANET HOME LENDING, LLC 321 RESEARCH PARKWAY STE 300 WILMINGTON, DE 06540 |
* | $ -1,000 | 19 | $ 7,685,000 |
PLAZA HOME MORTGAGE, INC. 4820 EASTGATE MALL, STE 100 SACRAMENTO, CA 92121 |
* | $ -1,000 | 6 | $ 2,530,000 |
PNC BANK, NATIONAL ASSOCIATION 249 FIFTH AVE. MS P1-POPP-22-2 WILMINGTON, DE 15222 |
* | $ 551,902,526,000 | 36 | $ 7,010,000 |
PRESIDENTIAL BANK, FSB 4600 EAST WEST HIGHWAY, SUITE 400 BETHESDA, MD 20814 |
* | $ 887,431,000 | 8 | $ 1,930,000 |
PRIMELENDING, A PLAINSCAPITAL COMPANY 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 4 | $ 1,240,000 |
PROSPERITY HOME MORTGAGE, LLC 14501 GEORGE CARTER WAY SUITE 300 GLEN ALLEN, VA 20151 |
* | $ -1,000 | 12 | $ 3,870,000 |
PROVIDENT FUNDING ASSOCIATES, L.P. 851 TRAEGER AVENUE, SUITE 100 SACRAMENTO, CA 94066 |
* | $ -1,000 | 2 | $ 410,000 |
PULTE MORTGAGE LLC 7390 S. IOLA STREET WILMINGTON, DE 80112 |
* | $ -1,000 | 1 | $ 245,000 |
QUORUM FEDERAL CREDIT UNION 2500 WESTCHESTER AVENUE HARRISON, NY 10577 |
* | $ 1,025,737,000 | 1 | $ 205,000 |
R M K FINANCIAL CORP. 1819 S. EXCISE AVENUE ONTARIO, CA 91761 |
* | $ -1,000 | 4 | $ 1,210,000 |
REGIONS BANK 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 162,193,000,000 | 1 | $ 1,475,000 |
RELIANCE FIRST CAPITAL, LLC 201 OLD COUNTRY ROAD SUITE 205 WILMINGTON, DE 11747 |
* | $ -1,000 | 1 | $ 335,000 |
ROUNDPOINT MORTGAGE SERVICING LLC 5016 PARKWAY PLAZA BLVD, BLDGS 6 & 8 WILMINGTON, DE 28219 |
* | $ -1,000 | 1 | $ 325,000 |
RUOFF MORTGAGE COMPANY, INC. 1700 MAGNAVOX WAY SUITE 220 INDIANAPOLIS, IN 46804 |
* | $ -1,000 | 1 | $ 205,000 |
SANDY SPRING BANK 6831 BENJAMIN FRANKIN DRIVE OLNEY, MD 21046 |
* | $ 12,586,611,000 | 3 | $ 685,000 |
SECURITYNATIONAL MORTGAGE COMPANY 5300 SOUTH 360 WEST WILMINGTON, DE 84123 |
* | $ -1,000 | 1 | $ 355,000 |
SELF-HELP FEDERAL CREDIT UNION 301 W MAIN STREET DURHAM, NC 27701 |
* | $ 1,788,208,000 | 1 | $ 145,000 |
SIERRA PACIFIC MORTGAGE COMPANY, INC. 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 4 | $ 1,580,000 |
SIGNATURE FEDERAL CREDIT UNION 12 HERBERT ST. ALEXANDRIA, VA 22313 |
* | $ 370,967,000 | 1 | $ 45,000 |
SILVER HILL FUNDING, LLC 4425 PONCE DE LEON BLVD WILMINGTON, DE 33146 |
* | $ -1,000 | 1 | $ 385,000 |
SOFI LENDING CORP. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 1 | $ 105,000 |
SOUTHERN TRUST MORTGAGE, LLC 4433 CORPORATION LANE SUITE 300 MIDLOTHIAN, VA 23462 |
* | $ -1,000 | 1 | $ 445,000 |
SOUTHSTATE BANK, NATIONAL ASSOCIATION 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ 41,822,249,000 | 1 | $ 465,000 |
SOVEREIGN LENDING GROUP INCORPORATED 3540 HOWARD WAY STE # 200 COSTA MESA, CA 92626 |
* | $ -1,000 | 7 | $ 2,305,000 |
SPRING EQ, LLC 2929 ARCH ST WILMINGTON, DE 19104 |
* | $ -1,000 | 10 | $ 830,000 |
STATE DEPARTMENT FEDERAL CREDIT UNION 1630 KING STREET ALEXANDRIA, VA 22314 |
* | $ 2,625,847,000 | 1 | $ 125,000 |
STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED 971 CORPORATE BLVD LINTHICUM, MD 21090 |
* | $ 4,778,940,000 | 1 | $ 285,000 |
STOCKTON MORTGAGE CORPORATION 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 2 | $ 600,000 |
STRONG HOME MORTGAGE, LLC 9408 GRANT AVE STE 302 DOVER, DE 22192 |
* | $ -1,000 | 5 | $ 1,495,000 |
SUMMIT COMMUNITY BANK, INC PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 3,555,648,000 | 1 | $ 135,000 |
SUN WEST MORTGAGE COMPANY, INC. 18000 STUDEBAKER ROAD, SUITE 200 SACRAMENTO, CA 90703 |
* | $ -1,000 | 2 | $ 640,000 |
SWBC MORTGAGE CORPORATION 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ -1,000 | 2 | $ 910,000 |
T2 FINANCIAL LLC 480 OLDE WORTHINGTON RD SUITE 300 CINCINNATI, OH 43082 |
* | $ -1,000 | 1 | $ 305,000 |
TD BANK, NATIONAL ASSOCIATION 2035 LIMESTONE ROAD WILMINGTON, DE 19808 |
* | $ 423,958,417,000 | 42 | $ 11,720,000 |
TEACHERS FEDERAL CREDIT UNION 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 8,802,432,000 | 2 | $ 280,000 |
TEMPLE VIEW CAPITAL FUNDING, LP 7550 WISCONSIN AVE STE 1000 WILMINGTON, DE 20814 |
* | $ -1,000 | 1 | $ 115,000 |
THE FEDERAL SAVINGS BANK 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60607 |
* | $ 796,563,000 | 13 | $ 4,985,000 |
THE FREEDOM BANK OF VIRGINIA 10555 MAIN STREET FAIRFAX, VA 22030 |
* | $ 877,767,000 | 2 | $ 840,000 |
THE MONEY SOURCE INC. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 660,000 |
THE MORTGAGE FIRM, INC. 921 DOUGLAS AVENUE, SUITE 200 TALLAHASSEE, FL 32714 |
* | $ -1,000 | 1 | $ 155,000 |
THE MORTGAGE LINK, INC. 3 RESEARCH PL #100 POTOMAC, MD 20850 |
* | $ -1,000 | 1 | $ 475,000 |
THIRD FEDERAL SAVINGS AND LOAN ASSOCIATION OF CLEVELAND 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 14,120,189,000 | 4 | $ 430,000 |
TOPSIDE FEDERAL CREDIT UNION PO BOX 519 DAHLGREN, VA 22448 |
* | $ 487,511,000 | 1 | $ 45,000 |
TOWER FEDERAL CREDIT UNION 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ 4,068,592,000 | 2 | $ 290,000 |
TOWNE BANK 5716 HIGH STREET WEST PORTSMOUTH, VA 23703 |
* | $ 16,361,399,000 | 5 | $ 2,305,000 |
TRUIST BANK 3100 SMOKETREE CT FL 5 CHARLOTTE, NC 27604 |
* | $ 528,514,000,000 | 139 | $ 33,715,000 |
U.S. BANK NATIONAL ASSOCIATION 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 14 | $ 4,630,000 |
UNION HOME MORTGAGE CORP. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 7 | $ 1,775,000 |
UNITED BANK 11185 FAIRFAX BLVD FAIRFAX, VA 22030 |
* | $ 29,289,723,000 | 17 | $ 3,825,000 |
UNITED NATIONS FEDERAL CREDIT UNION 24-01 44TH ROAD 7TH FLOOR NEW YORK, NY 11101 |
* | $ 7,541,726,000 | 1 | $ 445,000 |
UNITED WHOLESALE MORTGAGE, LLC 1414 EAST MAPLE ROAD PLYMOUTH, MI 48083 |
* | $ -1,000 | 58 | $ 21,730,000 |
UNIVERSITY CREDIT UNION 1500 S. SEPULVEDA BLVD. LOS ANGELES, CA 90025 |
* | $ 1,047,101,000 | 1 | $ 125,000 |
USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 6 | $ 2,360,000 |
USALLIANCE FEDERAL CREDIT UNION 411 THEODORE FREMD AVE, SUITE 350 RYE, NY 10580 |
* | $ 2,230,007,000 | 1 | $ 375,000 |
VANDERBILT MORTGAGE AND FINANCE, INC. 500 ALCOA TRAIL KNOXVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 130,000 |
VELLUM MORTGAGE, INC. 12700 FAIR LAKES CIR SUITE 400 FAIRFAX, VA 22030 |
* | $ -1,000 | 15 | $ 5,915,000 |
VILLAGE CAPITAL & INVESTMENT LLC 2863 ST. ROSE PARKWAY DOVER, DE 89052 |
* | $ -1,000 | 2 | $ 410,000 |
VIRGINIA CREDIT UNION, INC. PO BOX 90010 RICHMOND, VA 23225 |
* | $ 4,993,101,000 | 4 | $ 680,000 |
VIRGINIA NATIONAL BANK PO BOX 2853 CHARLOTTESVILLE, VA 22902 |
* | $ 1,970,721,000 | 2 | $ 190,000 |
WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 SIOUX FALLS, SD 27150 |
* | $ 1,779,504,000,000 | 44 | $ 11,090,000 |
WESBANCO BANK, INC. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 16,878,802,000 | 1 | $ 425,000 |
WILMINGTON SAVINGS FUND SOCIETY, FSB 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ 15,742,039,000 | 1 | $ 75,000 |
WYNDHAM CAPITAL MORTGAGE, INC. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 4 | $ 1,030,000 |
ZILLOW HOME LOANS, LLC 10975 EL MONTE ST WICHITA, KS 66211 |
* | $ -1,000 | 2 | $ 1,160,000 |
The HMDA mortgage data below offers a comprehensive breakdown of loan application trends for 2022, 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.
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 | 909 | $355,545,000 | $391,000 | $1,005,000 | $125,000 | $1,188,000 |
Cash-out Refinancing | 472 | $144,300,000 | $305,000 | $845,000 | $106,000 | $722,000 |
Refinancing | 258 | $77,330,000 | $299,000 | $7,955,000 | $100,000 | $379,000 |
Home Improvement | 233 | $22,935,000 | $98,000 | $535,000 | $117,000 | $450,000 |
Other Purpose | 167 | $17,185,000 | $102,000 | $525,000 | $117,000 | $515,000 |
Not Applicable | 14 | $1,890,000 | $135,000 | $455,000 | $0 | $0 |
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 | 638 | $181,200,000 | $284,000 | $1,005,000 | $127,000 | $515,000 |
Hispanic | 428 | $113,430,000 | $265,000 | $715,000 | $89,000 | $1,188,000 |
Not applicable | 298 | $122,120,000 | $409,000 | $7,955,000 | $111,000 | $260,000 |
Not Provided | 292 | $85,390,000 | $292,000 | $845,000 | $114,000 | $722,000 |
Black or African American | 203 | $61,495,000 | $302,000 | $725,000 | $126,000 | $450,000 |
Asian | 162 | $47,760,000 | $294,000 | $755,000 | $131,000 | $400,000 |
American Indian or Alaskan Native | 14 | $2,740,000 | $195,000 | $525,000 | $109,000 | $258,000 |
Native Hawaiian or Other Pacific Islander | 1 | $445,000 | $445,000 | $445,000 | $107,000 | $107,000 |
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) | 1,536 | $409,260,000 | $266,000 | $7,955,000 | $117,000 | $1,188,000 |
FHA-insured (Federal Housing Administration) | 281 | $97,825,000 | $348,000 | $755,000 | $90,000 | $326,000 |
VA-guaranteed (Veterans Administration) | 236 | $112,100,000 | $475,000 | $1,005,000 | $132,000 | $369,000 |
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 | 989 | $315,235,000 | $318,000 | $7,955,000 | $123,000 | $1,188,000 |
Application Denied By Financial Institution | 345 | $67,185,000 | $194,000 | $955,000 | $94,000 | $450,000 |
Loan Purchased By The Institution | 326 | $122,940,000 | $377,000 | $785,000 | $117,000 | $326,000 |
Application Withdrawn By Applicant | 250 | $77,600,000 | $310,000 | $845,000 | $123,000 | $722,000 |
File Closed For Incompleteness | 112 | $26,610,000 | $237,000 | $635,000 | $104,000 | $447,000 |
Application Approved But Not Accepted | 30 | $9,310,000 | $310,000 | $1,005,000 | $95,000 | $189,000 |
Preapproval Approved but not Accepted | 1 | $305,000 | $305,000 | $305,000 | $57,000 | $57,000 |
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 |
---|---|---|---|---|---|---|
Not applicable | 1,704 | $551,440,000 | $323,000 | $7,955,000 | $120,000 | $1,188,000 |
Debt-To-Income Ratio | 133 | $24,665,000 | $185,000 | $755,000 | $70,000 | $260,000 |
Credit History | 85 | $13,405,000 | $157,000 | $535,000 | $115,000 | $450,000 |
Credit Application Incomplete | 47 | $9,095,000 | $193,000 | $515,000 | $106,000 | $298,000 |
Collateral | 35 | $7,185,000 | $205,000 | $955,000 | $118,000 | $263,000 |
Other | 31 | $7,415,000 | $239,000 | $505,000 | $92,000 | $220,000 |
Unverifiable Information | 13 | $3,795,000 | $291,000 | $745,000 | $100,000 | $219,000 |
Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,345,000 | $448,000 | $745,000 | $166,000 | $289,000 |
Employment History | 2 | $840,000 | $420,000 | $495,000 | $98,000 | $136,000 |
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.
Copyright © 2025 AllMortgageDetail.com All rights reserved. disclaimer