Carroll County, VA Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 1,000 mortgage applications in Carroll County, VA totaling $112.5 million, down 5% from 2010. The average application was for $112,000, and applicants reported an average income of $58,000. 51% of applications resulted in an originated loan and 19% were denied. The most active lender was Truist Bank, with 186 applications, followed by Wells Fargo Bank NA and Carter Bank and Trust.

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Total Number of Mortgage Applications 1,000
Total Mortgage Loan Application Amount $112,502,000
Average Mortgage Loan Application Amount $112,000
Highest Mortgage Loan Application Amount $563,000
Average Applicant Income $58,000
Highest Applicant Income $985,000

Mortgage Company List for Lending in Carroll County, VA for 2011

* 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
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 186 $ 16,024,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 99 $ 11,107,000
Carter Bank and Trust
PO BOX 3748
MARTINSVILLE, VA 24112
* $ 3,706,069,000 60 $ 4,057,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 58 $ 7,956,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 54 $ 6,634,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 44 $ 4,841,000
Carolina Bank
PO BOX 10209
GREENSBORO, NC 27404
* $ 676,387,000 37 $ 4,849,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 36 $ 4,358,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ 10,000,000 36 $ 4,687,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 34 $ 4,944,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 28 $ 1,672,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 21 $ 2,772,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 18 $ 2,423,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ 1,400,622,000 17 $ 1,520,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 13 $ 2,185,000
State Employees' Credit Union
P.O. DRAWER 25279
RALEIGH, NC 27611
* $ 23,061,183,000 12 $ 1,099,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ 710,000 11 $ 1,730,000
Farm Credit of the Virginias, Aca
106 SANGERS LANE
STAUNTON, VA 24401
* $ 1,007,892,000,000 9 $ 1,541,000
National Bank of Blacksburg
P.O. BOX 90002
BLACKSBURG, VA 24060
* $ 1,018,622,000 9 $ 787,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 9 $ 960,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 20,797,006,000 8 $ 530,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 7 $ 757,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 7 $ 991,000
Virginia Federal Credit Union
PO BOX 90010
RICHMOND, VA 23225
* $ 2,094,079,000 7 $ 396,000
Sidus Financial, LLC
701 GREEN VALLEY ROAD, SUITE 101
GREENSBORO, NC 27408
* $ 10,000,000 6 $ 844,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 6 $ 846,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 5 $ 570,000
Stellarone Bank
1051 EAST CARY STREET, SUITE 1200
RICHMOND, VA 23219
* $ 2,923,419,000 5 $ 506,000
Civic FCU
P.O. DRAWER 25279
RALEIGH, NC 27609
* $ 1,085,592,000 4 $ 352,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 4 $ 773,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 4 $ 527,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 4 $ 335,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 4 $ 566,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 3 $ 417,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 3 $ 532,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 3 $ 254,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 3 $ 222,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 3 $ 556,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 3 $ 67,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 3 $ 317,000
Southern Community Bank and Tr
465 SHEPHERD STREET
WINSTON SALEM, NC 27103
* $ 1,649,633,000 3 $ 316,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 3 $ 371,000
Provident Funding Group Inc
851 TRAEGER AVENUE, SUITE 100
SAN BRUNO, CA 94066
* $ 2,200,000,000 3 $ 383,000
First Community Bank
29 COLLEGE DR
BLUEFIELD, VA 24605
* $ 2,227,739,000 3 $ 120,000
Union Mortgage Group, Inc.
1051 EAST CARY STREET, SUITE 1200
RICHMOND, VA 23219
* $ 3,804,090,000 2 $ 288,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,001,416,000 2 $ 118,000
Member One Federal Credit Union
P.O. BOX 12288
ROANOKE, VA 24024
* $ 539,998,000 2 $ 35,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 2 $ 568,000
Allegacy Federal Credit Union
P O BOX 26043
WINSTON SALEM, NC 27114
* $ 907,624,000 2 $ 256,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 2 $ 388,000
The Bank of Marion
PO BOX 1067
MARION, VA 24354
* $ 348,231,000 2 $ 73,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 2 $ 375,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 2 $ 208,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 163,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 2 $ 302,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 2 $ 211,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 2 $ 283,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 190,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 271,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 148,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 199,000
The Northern Trust Co
50 S. LA SALLE
CHICAGO, IL 60603
* $ 84,416,285,000 1 $ 374,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ 10,000,000 1 $ 115,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ 100,000,000 1 $ 132,000
Allquest Home Mortgage Corpora
6110 PINEMONT DR, STE 220
HOUSTON, TX 77092
* $ 10,000,000 1 $ 102,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 75,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 149,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 63,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ 10,000,000 1 $ 108,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 118,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 96,000
Ameritrust Mortgage Inc.
11016 RUSHMORE DRIVE, SUITE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 191,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ 8,226,000 1 $ 131,000
Cmc Funding, Inc.
814 A1A NORTH, STE. 303
PONTE VEDRA BEACH, FL 32082
* $ 10,000,000 1 $ 186,000
Myers Park Mortgage
141 PROVIDENCE RD
CHARLOTTE, NC 28207
* $ 10,000,000 1 $ 174,000
Barrons Mortgage Group Ltd
3325 SOUTH TRYON STREET
CHARLOTTE, NC 28217
* $ 6,353,000 1 $ 104,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ 10,000,000 1 $ 55,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 1 $ 100,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 1 $ 131,000
Capital One NA
11130 INDUSTRIPLEX BLVD
BATON ROUGE, LA 70809
* $ 70,506,963,000 1 $ 98,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 165,800,581,000 1 $ 256,000
Southern Bank and Trust Compan
PO BOX 729
MT OLIVE, NC 28365
* $ 1,337,305,000 1 $ 240,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 109,283,991,000 1 $ 351,000
Cit Bank, National Association
75 N. FAIR OAKS AVE.
PASADENA, CA 91103
* $ 26,432,928,000 1 $ 59,000
Edward Jones Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,783,443,000 1 $ 75,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 1 $ 61,000
Financial Freedom Acquist. LLC
1 BANTING
IRVINE, CA 92618
* $ 36,000,000,000 1 $ 68,000
First Bank and Trust Company
PO BOX 1000
ABINGDON, VA 24212
* $ 1,171,314,000 1 $ 169,000
M&I Bank FSB
W57N14280 DOERR WAY
CEDARBURG, WI 53012
* $ 1,311,970,000 1 $ 195,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 427,083,000 1 $ 156,000
Grand Bank, National Association
2297 HWY 33
HAMILTON, NJ 08690
* $ 424,689,000 1 $ 274,000
UBS Ag, Tampa Branch
3000 BAYPORT
TAMPA, FL 33607
* $ 1,400,000,000 1 $ 150,000
Palmetto Health Credit Union
PO BOX 100167
COLUMBIA, SC 29202
* $ 55,420,000 1 $ 77,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ 1,276,258,000 1 $ 49,000
Valleystar Credit Union
41 WHEELER AVE
MARTINSVILLE, VA 24115
* $ 260,611,000 1 $ 145,000
Partners Financial Federal C U
1200 NEW YORK AVENUE
GLEN ALLEN, VA 23060
* $ 92,518,000 1 $ 5,000
Coastal Federal Credit Union
PO BOX 99167
RALEIGH, NC 27690
* $ 1,944,330,000 1 $ 77,000
Benchmark Mortgage, Inc
4413 COX ROAD
GLEN ALLEN, VA 23060
* $ 10,000,000 1 $ 232,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ 1,603,436,000 1 $ 102,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ 189,567,000 1 $ 184,000
Roanoke Postal Employees' FCU
PO BOX 12405
ROANOKE, VA 24025
* $ 104,668,000 1 $ 85,000
Coastal States Mortgage, Inc.
5 BOW CIRCLE
HILTON HEAD ISLAND, SC 29928
* $ 10,000,000 1 $ 124,000
Newbridge Bank
1501 HIGHWOODS BLVD, SUITE 400
GREENSBORO, NC 27410
* $ 1,805,381,000 1 $ 18,000
Bank of North Carolina
3980 PREMIER DR. STE 150
HIGH POINT, NC 27265
* $ 2,148,565,000 1 $ 99,000
Select Bank & Trust Company
3600 CHARLES BOULEVARD
GREENVILLE, NC 27858
* $ 193,904,000 1 $ 85,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 1 $ 141,000
Hometown Bank
PO BOX 21769
ROANOKE, VA 24018
* $ 353,103,000 1 $ 417,000
Farmers and Merchants Bank
138 SALISBURY AVENUE
GRANITE QUARRY, NC 28072
* $ 657,245,000 1 $ 50,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 130,979,000 1 $ 128,000

The tables below break down 2011 mortgage applications in Carroll County, VA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Carroll County, VA in 2011

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 621 $76,449,000 $123,000 $563,000 $58,000 $985,000
Home Purchase 284 $31,788,000 $111,000 $417,000 $59,000 $409,000
Home Improvement 95 $4,265,000 $44,000 $200,000 $49,000 $200,000

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 840 $92,576,000 $110,000 $563,000 $62,000 $985,000
Not applicable 79 $10,613,000 $134,000 $368,000 $18,000 $305,000
Not Provided 70 $8,155,000 $116,000 $351,000 $51,000 $167,000
Hispanic 7 $725,000 $103,000 $190,000 $77,000 $200,000
American Indian or Alaskan Native 2 $330,000 $165,000 $320,000 $47,000 $50,000
Black or African American 2 $103,000 $51,000 $100,000 $35,000 $57,000
Asian 0 $0 $0 $0 $0 $0
Native Hawaiian or Other Pacific Islander 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) 754 $81,585,000 $108,000 $563,000 $63,000 $985,000
FHA-insured (Federal Housing Administration) 157 $18,583,000 $118,000 $274,000 $39,000 $161,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 57 $7,089,000 $124,000 $199,000 $41,000 $217,000
VA-guaranteed (Veterans Administration) 32 $5,245,000 $163,000 $355,000 $51,000 $208,000

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 510 $55,849,000 $109,000 $417,000 $66,000 $985,000
Application Denied By Financial Institution 187 $18,762,000 $100,000 $417,000 $49,000 $263,000
Loan Purchased By The Institution 149 $20,284,000 $136,000 $368,000 $33,000 $305,000
Application Withdrawn By Applicant 81 $9,593,000 $118,000 $563,000 $60,000 $420,000
Application Approved But Not Accepted 40 $3,931,000 $98,000 $355,000 $65,000 $208,000
File Closed For Incompleteness 33 $4,083,000 $123,000 $284,000 $64,000 $217,000
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 43 $2,951,000 $68,000 $250,000 $41,000 $126,000
Collateral 29 $4,234,000 $146,000 $417,000 $74,000 $263,000
Debt-To-Income Ratio 25 $2,455,000 $98,000 $274,000 $46,000 $129,000
Other 25 $2,719,000 $108,000 $320,000 $61,000 $200,000
Unverifiable Information 4 $551,000 $137,000 $329,000 $64,000 $92,000
Insufficient Cash (Downpayment, Closing Cost) 4 $320,000 $80,000 $115,000 $20,000 $30,000
Credit Application Incomplete 3 $308,000 $102,000 $136,000 $63,000 $114,000
Mortgage Insurance Denied 1 $115,000 $115,000 $115,000 $92,000 $92,000
Employment History 0 $0 $0 $0 $0 $0

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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