Charles City County, VA Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 424 mortgage applications in Charles City County, VA totaling $86.3 million, up 27% from 2019. The average application was for $203,000, and applicants reported an average income of $94,000. 51% of applications resulted in an originated loan and 17% were denied. The most active lender was Wells Fargo Bank NA, with 27 applications, followed by Truist Bank and Vanderbilt Mortgage and Finance, Inc.

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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 424
Total Mortgage Loan Application Amount $86,270,000
Average Mortgage Loan Application Amount $203,000
Highest Mortgage Loan Application Amount $1,425,000
Average Applicant Income $94,000
Highest Applicant Income $778,000

Mortgage Company List for Lending in Charles City County, VA for 2020

* 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
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 27 $ 5,715,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 461,256,000,000 25 $ 4,175,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 23 $ 2,895,000
Virginia Federal Credit Union
PO BOX 90010
RICHMOND, VA 23225
* $ 3,729,406,000 22 $ 2,430,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 17 $ 3,635,000
Citizens and Farmers Bank
415 14TH STREET
WEST POINT, VA 23181
* $ 1,625,536,000 15 $ 2,405,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 14 $ 2,750,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ -1,000 13 $ 2,805,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ -1,000 11 $ 2,515,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 9 $ 2,135,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 8 $ 1,670,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 8 $ 1,380,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 8 $ 1,410,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 7 $ 1,765,000
George Mason Mortgage, LLC
4100 MONUMENT CORNER DRIVE #100
PRINCE WILLIAM, VA 22030
* $ -1,000 7 $ 1,255,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 7 $ 1,015,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ 11,947,775,000 7 $ 1,615,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 7 $ 1,765,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ -1,000 7 $ 1,735,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 6 $ 1,070,000
Langley Federal Credit Union
721 LAKEFRONT COMMONS, SUITE 102
NEWPORT NEWS, VA 23606
* $ 3,115,798,000 6 $ 1,500,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 6 $ 1,720,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 6 $ 1,260,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 5 $ 1,335,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 5 $ 985,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 5 $ 925,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 4 $ 590,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 165,742,416,000 4 $ 950,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 4 $ 1,120,000
Village Bank Mortgage
13305 MIDLOTHIAN TURNPIKE
MIDLOTHIAN, VA 23113
* $ -1,000 4 $ 650,000
Fulton Bank, National Association
ONE PENN SQUARE
LANCASTER, PA 17602
* $ 21,759,565,000 4 $ 1,590,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 3 $ 655,000
Tidewater Mortgage Services, Inc
200 GOLDEN OAK COURT STE. 100
VIRGINIA BEACH, VA 26452
* $ -1,000 3 $ 455,000
Chesapeake Bank
35 SCHOOL STREET, PO BOX 2256
KILMARNOCK, VA 22482
* $ 955,048,000 3 $ 1,195,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 3 $ 525,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 3 $ 645,000
Newtowne Mortgage, LLC
600 22ND STREET SUITE 301
SUFFOLK, VA 23451
* $ -1,000 2 $ 600,000
Colonial Farm Credit Aca
7104 MECHANICSVILLE TURNPIKE
MECHANICSVILLE, VA 23111
* $ -1,000 2 $ 1,590,000
Towne First Mortgage, LLC
4501 COX RD #301
GLEN ALLEN, VA 23060
* $ -1,000 2 $ 650,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 2 $ 130,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 230,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 2 $ 410,000
McLean Mortgage Corporation
11325 RANDOM HILLS RD. SUITE 400
FAIRFAX, VA 22030
* $ -1,000 2 $ 760,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 2 $ 300,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 32,529,274,000 2 $ 560,000
Ovm Financial, Inc.
816 GREENBRIER CIRCLE SUITE 100
CHESAPEAKE, VA 23320
* $ -1,000 2 $ 260,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 41,950,721,000 2 $ 630,000
Member Advantage Mortgage
3330 BROADMOOR SE, SUITE B
GRAND RAPIDS, MI 49512
* $ -1,000 2 $ 1,080,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 2 $ 470,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 245,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 1 $ 385,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 1 $ 305,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 833,228,000 1 $ 215,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 135,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ 17,136,249,000 1 $ 235,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 1 $ 75,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ -1,000 1 $ 335,000
Bayport Credit Union
2107 HARTFORD RD, SUITE B
NEWPORT NEWS, VA 23606
* $ 1,743,830,000 1 $ 195,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 1 $ 35,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 1 $ 205,000
1st Advantage Federal Credit U
110 CYBERNETICS WAY
YORKTOWN, VA 23693
* $ 728,598,000 1 $ 25,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 1 $ 305,000
Henrico Federal Credit Union
9401 WEST BROAD ST
HENRICO, VA 23294
* $ 298,644,000 1 $ 25,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 245,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 155,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 2,177,570,000 1 $ 185,000
Apex Home Loans, Inc.
3204 TOWER OAKS BLVD., SUITE 400
ROCKVILLE, MD 20852
* $ -1,000 1 $ 375,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 185,000
Iserve Residential Lending
10920 VIA FRONTERA SUITE 520
SAN DIEGO, CA 92127
* $ -1,000 1 $ 515,000
Reliant Bank
1736 CAROTHERS PARKWAY
BRENTWOOD, TN 37027
* $ 1,897,550,000 1 $ 125,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 265,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 165,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 215,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 18,156,981,000 1 $ 245,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 1 $ 245,000
First Home Mortgage
6211 GREENLEIGH AVENUE SUITE 300
BALTIMORE, MD 21220
* $ -1,000 1 $ 125,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 95,000
Blue Ridge Bank
P.O. BOX 609, 17 WEST MAIN ST
LURAY, VA 22835
* $ 959,563,000 1 $ 185,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 175,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,503,779,000 1 $ 235,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 137,588,093,000 1 $ 45,000
Atlantic Union Bank
1051 EAST CARY STREET, SUITE 1200
GLEN ALLEN, VA 23060
* $ 17,516,056,000 1 $ 115,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 115,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 1 $ 265,000
Union Bank and Trust Company
PO BOX 82535
LINCOLN, NE 68501
* $ 4,583,369,000 1 $ 145,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 185,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 135,000
Mason-Mcduffie Mortgage Corporation
2010 CROW CANYON PLACE, #400
SAN RAMON, CA 94583
* $ -1,000 1 $ 355,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 1 $ 115,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 1 $ 365,000
Call Federal
4605 COMMERCE ROAD
RICHMOND, VA 23234
* $ 398,275,000 1 $ 135,000
Southern Trust Mortgage, LLC
4433 CORPORATION LANE SUITE 300
VIRGINIA BEACH, VA 23462
* $ -1,000 1 $ 275,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 285,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 455,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 265,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 265,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 135,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 85,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,289,704,000 1 $ 85,000
Tidewater Home Funding, LLC
1108 EDEN WAY
CHESAPEAKE, VA 23320
* $ -1,000 1 $ 155,000
Guaranty Home Mortgage Corporation
316 ROBERT ROSE DRIVE
NASHVILLE, TN 37129
* $ -1,000 1 $ 125,000

The tables below break down 2020 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 2020

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 167 $35,565,000 $212,000 $515,000 $115,000 $778,000
Home Purchase 153 $34,205,000 $223,000 $1,425,000 $81,000 $363,000
Cash-out Refinancing 61 $10,495,000 $172,000 $565,000 $78,000 $239,000
Other Purpose 18 $2,960,000 $164,000 $505,000 $111,000 $296,000
Home Improvement 15 $1,245,000 $83,000 $245,000 $113,000 $646,000
Not Applicable 10 $1,800,000 $180,000 $385,000 $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 207 $46,495,000 $224,000 $1,425,000 $107,000 $646,000
Black or African American 77 $11,905,000 $154,000 $375,000 $59,000 $217,000
Not Provided 69 $13,705,000 $198,000 $515,000 $108,000 $778,000
Not applicable 35 $7,585,000 $216,000 $535,000 $71,000 $99,000
American Indian or Alaskan Native 20 $3,480,000 $174,000 $365,000 $84,000 $140,000
Hispanic 10 $1,780,000 $178,000 $295,000 $83,000 $133,000
Native Hawaiian or Other Pacific Islander 3 $945,000 $315,000 $355,000 $127,000 $146,000
Asian 3 $375,000 $125,000 $215,000 $34,000 $36,000

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) 274 $52,600,000 $191,000 $1,425,000 $100,000 $778,000
FHA-insured (Federal Housing Administration) 74 $16,060,000 $217,000 $445,000 $73,000 $191,000
VA-guaranteed (Veterans Administration) 62 $15,050,000 $242,000 $445,000 $94,000 $217,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 14 $2,560,000 $182,000 $265,000 $55,000 $89,000

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 216 $48,490,000 $224,000 $1,425,000 $106,000 $778,000
Application Denied By Financial Institution 74 $11,520,000 $155,000 $565,000 $74,000 $239,000
Application Withdrawn By Applicant 53 $10,015,000 $188,000 $515,000 $84,000 $363,000
Loan Purchased By The Institution 49 $11,485,000 $234,000 $535,000 $123,000 $505,000
File Closed For Incompleteness 24 $3,340,000 $139,000 $335,000 $65,000 $167,000
Application Approved But Not Accepted 8 $1,420,000 $177,000 $505,000 $90,000 $184,000
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 347 $73,555,000 $211,000 $1,425,000 $99,000 $778,000
Debt-To-Income Ratio 26 $4,150,000 $159,000 $505,000 $66,000 $186,000
Credit History 18 $3,650,000 $202,000 $565,000 $82,000 $239,000
Collateral 13 $2,075,000 $159,000 $405,000 $90,000 $167,000
Credit Application Incomplete 10 $1,610,000 $161,000 $335,000 $88,000 $225,000
Other 6 $680,000 $113,000 $185,000 $86,000 $105,000
Unverifiable Information 2 $180,000 $90,000 $125,000 $35,000 $38,000
Employment History 2 $370,000 $185,000 $315,000 $60,000 $76,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 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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