Charlotte County, VA Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 354 mortgage applications in Charlotte County, VA totaling $38.2 million, down 28% from 2009. The average application was for $108,000, and applicants reported an average income of $58,000. 49% of applications resulted in an originated loan and 29% were denied. The most active lender was The Bank of Charlotte County, with 71 applications, followed by Branch Banking and Trust Co and Wells Fargo Bank, NA.
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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 | 354 |
| Total Mortgage Loan Application Amount | $38,234,000 |
| Average Mortgage Loan Application Amount | $108,000 |
| Highest Mortgage Loan Application Amount | $850,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $1,213,000 |
* 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 |
|---|---|---|---|---|
| The Bank of Charlotte County 101 BERKLEY STREET PHENIX, VA 23959 |
* | $ 117,234,000 | 71 | $ 5,410,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 46 | $ 3,918,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 25 | $ 2,091,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 22 | $ 2,904,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 20 | $ 2,641,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 16 | $ 1,182,000 |
| Citizens Bank & Trust Co. 126 SOUTH MAIN ST. BLACKSTONE, VA 23824 |
* | $ 314,868,000 | 13 | $ 487,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 12 | $ 1,906,000 |
| First-Citizens Bank & Trust Co 16 E ROWAN STREET RALEIGH, NC 27609 |
* | $ 15,798,830,000 | 11 | $ 1,335,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 8 | $ 900,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 7 | $ 1,017,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 6 | $ 890,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 1,941,835,000 | 6 | $ 360,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 5 | $ 788,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 5 | $ 367,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 5 | $ 440,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 4 | $ 553,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 4 | $ 286,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 3 | $ 512,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 139,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 3 | $ 403,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 3 | $ 283,000 |
| Colonial Farm Credit Aca 7104 MECHANICSVILLE TURNPIKE MECHANICSVILLE, VA 23111 |
* | $ 10,000,000 | 2 | $ 245,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 360,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 1,040,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 276,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ 189,567,000 | 2 | $ 246,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 2 | $ 223,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 217,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 2 | $ 484,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 13,969,885,000 | 1 | $ 143,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 1 | $ 850,000 |
| TD Bank N.A. 70 GRAY ROAD FALMOUTH, ME 04105 |
* | $ 140,038,551,000 | 1 | $ 50,000 |
| Community First Bank 3725 OLD COURT ROAD BALTIMORE, MD 21208 |
* | $ 57,149,000 | 1 | $ 50,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 1 | $ 391,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 1 | $ 850,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 176,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 67,860,327,000 | 1 | $ 112,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 164,340,844,000 | 1 | $ 32,000 |
| Village Bank Mortgage 13305 MIDLOTHIAN TURNPIKE MIDLOTHIAN, VA 23113 |
* | $ 300,960,000 | 1 | $ 185,000 |
| Midwest Loan Solutions, Inc. 29777 TELEGRAPH RD. SUITE 3580 SOUTHFIELD, MI 48034 |
* | $ 46,200,000 | 1 | $ 120,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 1,950,258,000 | 1 | $ 40,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 1 | $ 163,000 |
| Carolina Bank PO BOX 10209 GREENSBORO, NC 27404 |
* | $ 696,719,000 | 1 | $ 104,000 |
| The Fisher National Bank 1710 S NEIL ST SUITE 3 FISHER, IL 61843 |
* | $ 69,954,000 | 1 | $ 51,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 349,760,000 | 1 | $ 23,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 1 | $ 214,000 |
| Stellarone Bank 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 3,015,291,000 | 1 | $ 169,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ 100,000,000 | 1 | $ 85,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 91,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 59,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 131,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 104,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 117,000 |
| Partners Financial Federal C U 1200 NEW YORK AVENUE GLEN ALLEN, VA 23060 |
* | $ 91,782,000 | 1 | $ 224,000 |
| Pinnacle Federal Credit Union 135 RARITAN CENTER PKWY EDISON, NJ 08837 |
* | $ 180,575,000 | 1 | $ 70,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ 710,000 | 1 | $ 77,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 1 | $ 172,000 |
| Weststar Mortgage, Inc. 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 95,000 |
The tables below break down 2010 mortgage applications in Charlotte 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 Charlotte County, VA in 2010
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 | 197 | $26,989,000 | $137,000 | $850,000 | $65,000 | $1,213,000 |
| Home Purchase | 92 | $8,756,000 | $95,000 | $400,000 | $49,000 | $150,000 |
| Home Improvement | 65 | $2,489,000 | $38,000 | $299,000 | $50,000 | $169,000 |
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 | 254 | $26,498,000 | $104,000 | $836,000 | $61,000 | $1,213,000 |
| Black or African American | 56 | $4,810,000 | $85,000 | $400,000 | $42,000 | $158,000 |
| Not Provided | 37 | $6,436,000 | $173,000 | $850,000 | $73,000 | $434,000 |
| Not applicable | 3 | $271,000 | $90,000 | $104,000 | $0 | $0 |
| Hispanic | 3 | $189,000 | $63,000 | $79,000 | $68,000 | $89,000 |
| American Indian or Alaskan Native | 1 | $30,000 | $30,000 | $30,000 | $10,000 | $10,000 |
| 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) | 260 | $26,501,000 | $101,000 | $850,000 | $64,000 | $1,213,000 |
| FHA-insured (Federal Housing Administration) | 86 | $10,494,000 | $122,000 | $299,000 | $42,000 | $129,000 |
| VA-guaranteed (Veterans Administration) | 6 | $874,000 | $145,000 | $387,000 | $57,000 | $78,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $365,000 | $182,000 | $269,000 | $53,000 | $73,000 |
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 | 174 | $16,868,000 | $96,000 | $400,000 | $62,000 | $524,000 |
| Application Denied By Financial Institution | 102 | $10,904,000 | $106,000 | $850,000 | $46,000 | $434,000 |
| Application Withdrawn By Applicant | 28 | $3,542,000 | $126,000 | $299,000 | $63,000 | $184,000 |
| Loan Purchased By The Institution | 23 | $3,344,000 | $145,000 | $391,000 | $39,000 | $92,000 |
| Application Approved But Not Accepted | 16 | $1,681,000 | $105,000 | $350,000 | $53,000 | $135,000 |
| File Closed For Incompleteness | 11 | $1,895,000 | $172,000 | $836,000 | $155,000 | $1,213,000 |
| 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 | 24 | $1,262,000 | $52,000 | $131,000 | $40,000 | $129,000 |
| Debt-To-Income Ratio | 13 | $929,000 | $71,000 | $184,000 | $28,000 | $62,000 |
| Collateral | 10 | $2,769,000 | $276,000 | $850,000 | $121,000 | $434,000 |
| Other | 7 | $509,000 | $72,000 | $269,000 | $45,000 | $73,000 |
| Credit Application Incomplete | 4 | $667,000 | $166,000 | $211,000 | $77,000 | $115,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $83,000 | $83,000 | $83,000 | $28,000 | $28,000 |
| 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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