Lenders › Bank of Clarke › Virginia
Bank of Clarke in Virginia
HMDA record for properties in Virginia, calendar year 2024. National record · Virginia overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Bank of Clarke's 2024 HMDA record for Virginia covers 290 applications, 190 of them originated, worth $91m.
Its denial rate in the state was 22.7%, close to the Virginia rate of 22.1% across all lenders and compared with the lender's national rate of 21.8%.
Applications in the state were down 15% on 2023.
Compared with the state and the lender's national record
| Measure | In Virginia | Virginia, all lenders | Bank of Clarke, all states | United States |
|---|---|---|---|---|
| Denial rate | 22.7% | 22.1% | 21.8% | 24.3% |
| Median rate spread, pp | — | 0.3 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 16.5% | — | 15.6% |
| Average originated loan | $480k | $352k | $451k | $329k |
| Home purchase share | 73.7% | 55.8% | 75.9% | 57.0% |
| FHA-insured share | 0.0% | 11.7% | 0.0% | 13.4% |
| VA-guaranteed share | 2.6% | 16.4% | 2.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateVirginia, all lenders
Loan purpose and loan type in Virginia
By purpose
Home purchase 74% (140)Home improvement 4% (8)Refinancing 7% (13)Cash-out refinancing 9% (18)Other purpose 6% (11)
By type
Conventional 97% (184)VA 3% (5)USDA 1% (1)
Denial reasons as coded
Share of 57 denials in Virginia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Virginia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Frederick County | 74 | 46 | $12m | 25.4% |
| Fairfax County | 50 | 36 | $19m | 18.2% |
| Loudoun County | 46 | 32 | $22m | 17.9% |
| Prince William County | 35 | 30 | $17m | 3.1% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Bank of Clarke originate in Virginia in 2024?
190 loans totalling $91m, from 290 applications reported for properties in Virginia.
What is Bank of Clarke's denial rate in Virginia?
22.7% of decided applications in Virginia were denied, against 22.1% for all lenders in the state and 21.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Virginia counties does Bank of Clarke lend in most?
By originations: Frederick County (46), Fairfax County (36), Loudoun County (32), Prince William County (30).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Virginia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.