Charles City County, VA Mortgage Lenders & HMDA Data, 2008

In 2008, lenders reported 517 mortgage applications in Charles City County, VA totaling $81.2 million, down 33% from 2007. The average application was for $157,000, and applicants reported an average income of $66,000. 33% of applications resulted in an originated loan and 34% were denied. The most active lender was Beneficial Company LLC, with 45 applications, followed by Branch Banking and Trust Co and Citizens and Farmers Bank.

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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 517
Total Mortgage Loan Application Amount $81,209,000
Average Mortgage Loan Application Amount $157,000
Highest Mortgage Loan Application Amount $1,757,000
Average Applicant Income $66,000
Highest Applicant Income $640,000

Mortgage Company List for Lending in Charles City County, VA for 2008

* 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
Beneficial Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 4,017,643,000 45 $ 6,224,000
Branch Banking and Trust Co
223 W NASH STREET
WILSON, NC 27893
* $ 127,698,351,000 40 $ 6,831,000
Citizens and Farmers Bank
415 14TH STREET
WEST POINT, VA 23181
* $ 778,234,000 32 $ 2,749,000
Countrywide Bank FSB
30930 RUSSELL RANCH ROAD MS CA6-916-02-0
WESTLAKE VILLAGE, CA 91362
* $ 121,054,736,000 30 $ 4,790,000
Hfc Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 15,000,000 24 $ 4,646,000
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 467,861,000,000 24 $ 4,795,000
American General Fin.Serv.(De)
601 N.W. SECOND STREET, P.O. BOX 59
EVANSVILLE, IN 47701
* $ 10,000,000 24 $ 2,186,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 22 $ 2,455,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 175,107,526,000 16 $ 2,930,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 18,878,056,000 13 $ 1,810,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,318,888,000,000 12 $ 1,670,000
National City Bank
1900 E NINTH ST LOC 01-3144
CLEVELAND, OH 44114
* $ 138,755,343,000 10 $ 1,305,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 10 $ 1,337,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 10 $ 1,147,000
Wells Fargo Bank, NA
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 653,269,000,000 9 $ 568,000
Ge Money Bank
4246 SOUTH RIVERBOAT RDCSUITE 200
SALT LAKE CITY, UT 84123
* $ 14,839,190,000 7 $ 90,000
Taylor, Bean & Whitaker
315 NE 14TH STREET
OCALA, FL 34470
* $ 10,000,000 7 $ 979,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 6 $ 1,008,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 28,404,352,000 6 $ 805,000
Wachovia Mortgage FSB
TONYA YOUNG 100 N MAIN ST MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 56,294,475,000 6 $ 1,907,000
Wells Fargo Fin'l Sys Virginia
800 WALNUT ST, 6TH FLOOR, MAC F4031-061
DES MOINES, IA 50309
* $ 36,752,895,000 6 $ 875,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 6 $ 945,000
Citibank, N.A.
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,251,715,000,000 5 $ 313,000
Colonial Farm Credit Aca
7104 MECHANICSVILLE TURNPIKE
MECHANICSVILLE, VA 23111
* $ 10,000,000 5 $ 827,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 5 $ 953,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 4 $ 719,000
Freedom Mortgage Corp.
10500 KINCAID DR. STE. 300
FISHERS, IN 46037
* $ 10,000,000 4 $ 638,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 232,759,503,000 4 $ 598,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 4 $ 593,000
Equifirst Corporation
13000 S TRYON ST, STE F, PMB 317
CHARLOTTE, NC 28278
* $ 343,735,670,000 4 $ 601,000
Beneficial Financial I, Inc.
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 11,000,000 4 $ 701,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 15,757,171,000 4 $ 831,000
First Market Bank, FSB
2001 MAYWILL STREET, SUITE 205
RICHMOND, VA 23230
* $ 1,264,739,000 3 $ 76,000
Capital One NA
11130 INDUSTRIALPLEX BLVD
BATON ROUGE, LA 70809
* $ 97,517,902,000 3 $ 30,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 3 $ 267,000
Prosperity Mortgage Company
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,000,000 3 $ 392,000
Metamerica Mortgage
5151 BONNEY ROAD
VIRGINIA BEACH, VA 23462
* $ 10,000,000 3 $ 408,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 3 $ 835,000
Wilmington Finance, Inc.
620 W GERMANTOWN RD
PLYMOUTH MEETING, PA 19462
* $ 10,000,000 2 $ 351,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ 10,000,000 2 $ 305,000
Evb Mortgage LLC
4433 CORPORATION LANE #300
VIRGINIA BEACH, VA 23462
* $ 176,555,000 2 $ 115,000
Avelo Mortgage, L.L.C
250 EAST JOHN CARPENTER FREEWAY
IRVING, TX 75062
* $ 10,000,000 2 $ 264,000
Nationwide Mortgage Concepts,
40380 DESERT CREEK LANE
RANCHO MIRAGE, CA 92270
* $ 10,000,000 2 $ 257,000
Allied Home Mortgage Corp.
6110 PINEMONT DR., STE. 220
HOUSTON, TX 77092
* $ 10,000,000 2 $ 250,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 2 $ 945,000
Homecomings Financial LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 10,000,000 2 $ 178,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 353,000
Homeplus Finance Corporation
2143 S. SEPULVEDA BLVD
LOS ANGELES, CA 90025
* $ 40,000,000 2 $ 15,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,312,794,218,000 2 $ 526,000
First Tennessee Bank NA
165 MADISON 5TH FLOOR
MEMPHIS, TN 38103
* $ 36,725,591,000 2 $ 504,000
Fulton Bank
PO BOX 4887
LANCASTER, PA 17604
* $ 7,191,376,000 2 $ 405,000
Southern Trust Mortgage LLC
4433 CORPORATION LANE, SUITE 300
VIRGINIA BEACH, VA 23462
* $ 11,000,000 2 $ 402,000
Dover Mortgage Company
711 E. MOREHEAD ST
CHARLOTTE, NC 28202
* $ 1,817,511,000 2 $ 1,505,000
Countrywide Home Loans
30930 RUSSELL RANCH ROAD MS WLRR-148
WESTLAKE VILLAGE, CA 91362
* $ 199,946,230,000 2 $ 301,000
Eastern Savings Bank, FSB
EXEC PLAZA II - 11350 MCCORMICK RD
HUNT VALLEY, MD 21031
* $ 1,117,603,000 2 $ 168,000
Everbank
8100 NATIONS WAY
JACKSONVILLE, FL 32256
* $ 5,518,089,000 2 $ 496,000
Village Bank Mortgage
13305 MIDLOTHIAN TURNPIKE
MIDLOTHIAN, VA 23113
* $ 300,960,000 2 $ 345,000
Home Savings of America
35 E BROADWAY
LITTLE FALLS, MN 56345
* $ 275,851,000 2 $ 230,000
Virginia Federal Credit Union
PO BOX 90010
RICHMOND, VA 23225
* $ 1,541,084,000 2 $ 275,000
Liberty Mortgage Corporation
223 W NASH STREET
WILSON, NC 27893
* $ 2,406,088,000 2 $ 1,805,000
Nfcu
820 FOLLIN LANE
VIENNA, VA 22180
* $ 33,011,920,000 2 $ 629,000
Connects Federal Credit Union
7700 SHRADER ROAD
RICHMOND, VA 23228
* $ 60,758,000 1 $ 55,000
Partners Financial Federal C U
1200 NEW YORK AVENUE
GLEN ALLEN, VA 23060
* $ 75,330,000 1 $ 2,000
Argent Federal Credit Union
11651 ALLIANCE CIRCLE
CHESTER, VA 23831
* $ 159,556,000 1 $ 76,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ 910,455,000 1 $ 92,000
Benchmark Federal Credit Union
1522 MCDANIEL DR
WEST CHESTER, PA 19380
* $ 171,138,000 1 $ 25,000
Direct Mortgage Corp
13894 S BANGERTER PARKWAY SUITE 200
DRAPER, UT 84020
* $ 10,000,000 1 $ 192,000
Benchmark Mortgage, Inc
4413 COX ROAD
GLEN ALLEN, VA 23060
* $ 10,000,000 1 $ 203,000
1st Choice Mortgage/Equity Cor
1021 BRIARGATE CIRCLE
COLUMBIA, SC 29210
* $ 10,000,000 1 $ 100,000
Hometown Mortgage Services Inc
5511 HWY 280 E STE 210
BIRMINGHAM, AL 35242
* $ 10,000,000 1 $ 185,000
Gateway Mortgage Group LLC
6910 E 14TH ST
TULSA, OK 74112
* $ 10,000,000 1 $ 528,000
Plaza Home Mortgage, Inc
5090 SHOREHAM PLACE, SUITE #206
SAN DIEGO, CA 92122
* $ 10,000,000 1 $ 228,000
Home Loan Center
163 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 10,000,000 1 $ 177,000
Amtrust Bank
1801 E. 9TH ST #200
CLEVELAND, OH 44114
* $ 16,938,391,000 1 $ 80,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 30,219,506,000 1 $ 106,000
New South Federal Savings Bank
1900 CRESTWOOD BOULEVARD
BIRMINGHAM, AL 35210
* $ 1,901,132,000 1 $ 183,000
American Bank
9001 EDMONSTON ROAD, SUITE 100
GREENBELT, MD 20770
* $ 543,934,000 1 $ 193,000
First Federal
2440 MALL DR SUITE 100
NORTH CHARLESTON, SC 29406
* $ 2,784,161,000 1 $ 41,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ 189,567,000 1 $ 165,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 79,977,597,000 1 $ 136,000
B. F. Saul Mortgage Company
7501 WISCONSIN AVE 13TH FLR-W
BETHESDA, MD 20814
* $ 5,053,609,000 1 $ 32,000
State Farm Bank
1 STATE FARM PLAZA
BLOOMINGTON, IL 61710
* $ 15,898,003,000 1 $ 80,000
Union Mortgage Group, Inc.
1051 EAST CARY STREET, SUITE 1200
RICHMOND, VA 23219
* $ 1,569,968,000 1 $ 147,000
Eloan
9600 WEST BRYN MAWR
ROSEMONT, IL 60018
* $ 48,624,000,000 1 $ 100,000
Colonial Virginia Bank
P O BOX 2120
GLOUCESTER, VA 23061
* $ 95,460,000 1 $ 57,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ 2,501,078,000 1 $ 1,757,000
Chase Manhattan Bank USA, NA
200 WHITE CLAY CENTER DR
NEWARK, DE 19711
* $ 77,748,330,000 1 $ 750,000
Regions Bank
1900 5TH AVENUE N - ALBH10903B
BIRMINGHAM, AL 35203
* $ 137,049,763,000 1 $ 263,000
Virginia Commonwealth Bank
P O BOX 1777
PETERSBURG, VA 23805
* $ 318,214,000 1 $ 316,000
Evb
PO BOX 1455
TAPPAHANNOCK, VA 22560
* $ 927,345,000 1 $ 48,000
HSBC Mortgage Corp
2929 WALDEN AVE
DEPEW, NY 14043
* $ 92,958,000 1 $ 42,000
Capital One Home Loans, LLC
12800 FOSTER STREET
OVERLAND PARK, KS 66213
* $ 88,701,411,000 1 $ 356,000
Americanmtgnetwork dba Vertice
TONYA YOUNG 100 N MAIN ST MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 473,000,000,000 1 $ 133,000
Saxon Mortgage
4840 COX ROAD
GLEN ALLEN, VA 23060
* $ 10,000,000 1 $ 125,000
US Mortgage Corporation
19D CHAPIN ROAD
PINE BROOK, NJ 07058
* $ 10,000,000 1 $ 800,000
Shore Mortgage
770 S. ADAMS ROAD #300
BIRMINGHAM, MI 48009
* $ 10,000,000 1 $ 107,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 184,000
Security Atlantic Wholesale
499 THORNALL ST, SUITE 220
EDISON, NJ 08837
* $ 10,000,000 1 $ 231,000
Allied Home Mtg Capital Corp
6110 PINEMONT DR., STE. 215
HOUSTON, TX 77092
* $ 10,000,000 1 $ 126,000
Ameritrust Mortgage Inc.
11016 RUSHMORE DRIVE, SUITE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 177,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 1 $ 153,000
Residential Funding Corp. LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 10,000,000 1 $ 28,000
Mid-Island Mortgage Corp.
900 MERCHANTS CONCOURSE, SUITE #112
WESTBURY, NY 11590
* $ 10,000,000 1 $ 174,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ 10,000,000 1 $ 223,000
Ctx Mortgage Company, LLC
1603 LBJ FREEWAY FL 6
DALLAS, TX 75234
* $ 31,000,000 1 $ 350,000

The tables below break down 2008 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 2008

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 352 $56,486,000 $160,000 $825,000 $68,000 $640,000
Home Purchase 94 $19,921,000 $211,000 $1,757,000 $69,000 $442,000
Home Improvement 71 $4,802,000 $67,000 $282,000 $49,000 $116,000

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 199 $37,597,000 $188,000 $1,757,000 $86,000 $640,000
Black or African American 188 $25,658,000 $136,000 $780,000 $57,000 $369,000
Not Provided 52 $9,185,000 $176,000 $800,000 $76,000 $442,000
Not applicable 46 $5,536,000 $120,000 $349,000 $5,000 $88,000
American Indian or Alaskan Native 23 $2,231,000 $97,000 $202,000 $65,000 $130,000
Hispanic 6 $747,000 $124,000 $174,000 $45,000 $68,000
Asian 3 $255,000 $85,000 $136,000 $47,000 $66,000
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) 394 $59,317,000 $150,000 $1,757,000 $70,000 $640,000
FHA-insured (Federal Housing Administration) 114 $20,124,000 $176,000 $529,000 $53,000 $188,000
VA-guaranteed (Veterans Administration) 8 $1,629,000 $203,000 $263,000 $40,000 $102,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $139,000 $139,000 $139,000 $45,000 $45,000

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
Application Denied By Financial Institution 176 $30,235,000 $171,000 $1,757,000 $65,000 $407,000
Loan Originated 173 $25,755,000 $148,000 $825,000 $69,000 $442,000
Loan Purchased By The Institution 76 $10,136,000 $133,000 $349,000 $25,000 $96,000
Application Withdrawn By Applicant 50 $8,469,000 $169,000 $800,000 $83,000 $640,000
Application Approved But Not Accepted 22 $2,173,000 $98,000 $228,000 $93,000 $369,000
File Closed For Incompleteness 20 $4,441,000 $222,000 $1,388,000 $115,000 $480,000
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 36 $6,511,000 $180,000 $1,388,000 $66,000 $407,000
Debt-To-Income Ratio 13 $2,215,000 $170,000 $528,000 $61,000 $150,000
Collateral 11 $1,281,000 $116,000 $225,000 $71,000 $130,000
Other 5 $1,367,000 $273,000 $491,000 $123,000 $396,000
Credit Application Incomplete 3 $503,000 $167,000 $216,000 $55,000 $78,000
Insufficient Cash (Downpayment, Closing Cost) 2 $3,145,000 $1,572,000 $1,757,000 $336,000 $369,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 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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