Charles City County, VA Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 309 mortgage applications in Charles City County, VA totaling $69.4 million, down 3% from 2024. The average application was for $224,000, and applicants reported an average income of $94,000. 47% of applications resulted in an originated loan and 17% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 24 applications, followed by United Wholesale Mortgage and Movement Mortgage, LLC.
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| Years | 2025 2024 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 | 309 |
| Total Mortgage Loan Application Amount | $69,385,000 |
| Average Mortgage Loan Application Amount | $224,000 |
| Highest Mortgage Loan Application Amount | $1,205,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $900,000 |
Top Mortgage Lenders in Charles City County, VA (2025)
Ranked by the number of mortgage applications each lender reported in Charles City County, VA in 2025.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance, Inc Maryville, TN |
24 | $3,840,000 | $160,000 | $100,000 |
| 2 | United Wholesale Mortgage Plymouth, MI |
13 | $4,045,000 | $311,000 | $84,000 |
| 3 | Movement Mortgage, LLC Indian Land, SC |
13 | $3,435,000 | $264,000 | $82,000 |
| 4 | Citizens and Farmers Bank West Point, VA |
12 | $850,000 | $70,000 | $78,000 |
| 5 | Truist Bank Raleigh, NC |
12 | $1,700,000 | $141,000 | $86,000 |
| 6 | Virginia Federal Credit Union Richmond, VA |
11 | $1,145,000 | $104,000 | $86,000 |
| 7 | PennyMac Loan Services LLC Westlake Village, CA |
11 | $3,895,000 | $354,000 | $86,000 |
| 8 | Freedom Mortgage Corporation Boca Raton, FL |
9 | $2,915,000 | $323,000 | $78,000 |
| 9 | Atlantic Bay Mortgage Group Virginia Beach, VA |
9 | $2,525,000 | $280,000 | $108,000 |
| 10 | Mortgage Research Center Columbia, MO |
8 | $2,490,000 | $311,000 | $67,000 |
See every lender active in Charles City County, VA in 2025 »
The tables below break down 2025 mortgage applications in Charles City 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 Charles City County, VA in 2025
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 | 150 | $39,970,000 | $266,000 | $1,205,000 | $105,000 | $900,000 |
| Cash-out Refinancing | 61 | $12,875,000 | $211,000 | $605,000 | $78,000 | $158,000 |
| Refinancing | 50 | $13,110,000 | $262,000 | $815,000 | $88,000 | $193,000 |
| Other Purpose | 26 | $1,670,000 | $64,000 | $135,000 | $78,000 | $128,000 |
| Home Improvement | 22 | $1,760,000 | $80,000 | $285,000 | $96,000 | $348,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 124 | $30,940,000 | $249,000 | $1,205,000 | $110,000 | $900,000 |
| Black or African American | 69 | $11,095,000 | $160,000 | $445,000 | $69,000 | $193,000 |
| Not Provided | 47 | $9,715,000 | $206,000 | $645,000 | $81,000 | $174,000 |
| Not applicable | 45 | $12,325,000 | $273,000 | $715,000 | $86,000 | $124,000 |
| American Indian or Alaskan Native | 13 | $2,005,000 | $154,000 | $285,000 | $100,000 | $150,000 |
| Hispanic | 9 | $2,205,000 | $245,000 | $345,000 | $102,000 | $196,000 |
| Asian | 2 | $1,100,000 | $550,000 | $805,000 | $330,000 | $330,000 |
| 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) | 183 | $32,745,000 | $178,000 | $805,000 | $97,000 | $900,000 |
| FHA-insured (Federal Housing Administration) | 79 | $21,105,000 | $267,000 | $605,000 | $81,000 | $167,000 |
| VA-guaranteed (Veterans Administration) | 43 | $14,475,000 | $336,000 | $1,205,000 | $104,000 | $286,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $1,060,000 | $265,000 | $345,000 | $83,000 | $128,000 |
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 | 145 | $33,505,000 | $231,000 | $815,000 | $98,000 | $346,000 |
| Application Denied By Financial Institution | 52 | $8,280,000 | $159,000 | $1,205,000 | $95,000 | $900,000 |
| Loan Purchased By The Institution | 43 | $11,845,000 | $275,000 | $715,000 | $84,000 | $124,000 |
| Application Withdrawn By Applicant | 33 | $8,125,000 | $246,000 | $445,000 | $90,000 | $346,000 |
| File Closed For Incompleteness | 27 | $5,805,000 | $215,000 | $605,000 | $73,000 | $158,000 |
| Application Approved But Not Accepted | 9 | $1,825,000 | $202,000 | $305,000 | $94,000 | $193,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 256 | $60,840,000 | $237,000 | $815,000 | $93,000 | $346,000 |
| Credit History | 22 | $2,310,000 | $105,000 | $285,000 | $103,000 | $900,000 |
| Debt-To-Income Ratio | 10 | $950,000 | $95,000 | $265,000 | $59,000 | $196,000 |
| Collateral | 7 | $2,125,000 | $303,000 | $1,205,000 | $162,000 | $348,000 |
| Unverifiable Information | 5 | $885,000 | $177,000 | $275,000 | $83,000 | $101,000 |
| Credit Application Incomplete | 4 | $1,020,000 | $255,000 | $445,000 | $86,000 | $126,000 |
| Other | 3 | $705,000 | $235,000 | $385,000 | $105,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $550,000 | $275,000 | $275,000 | $86,000 | $102,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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