Charlotte County, VA Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 410 mortgage applications in Charlotte County, VA totaling $42.7 million, up 22% from 2012. The average application was for $104,000, and applicants reported an average income of $54,000. 44% of applications resulted in an originated loan and 30% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 55 applications, followed by Wells Fargo Bank NA and Truist 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 | 410 |
| Total Mortgage Loan Application Amount | $42,731,000 |
| Average Mortgage Loan Application Amount | $104,000 |
| Highest Mortgage Loan Application Amount | $850,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $377,000 |
* 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 |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 55 | $ 4,592,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 52 | $ 5,284,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 49 | $ 5,244,000 |
| The Bank of Charlotte County 101 BERKLEY STREET PHENIX, VA 23959 |
* | $ 120,382,000 | 48 | $ 5,358,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 14 | $ 1,621,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 11 | $ 796,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 9 | $ 1,755,000 |
| Citizens Bank & Trust Co. 126 SOUTH MAIN ST. BLACKSTONE, VA 23824 |
* | $ 334,788,000 | 8 | $ 400,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 721,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 7 | $ 871,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 7 | $ 777,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 7 | $ 811,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 7 | $ 915,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 2,385,518,000 | 6 | $ 324,000 |
| Stellarone Bank 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 3,015,248,000 | 6 | $ 481,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 5 | $ 623,000 |
| The Farmers Bank of Appomattox 223 MAIN ST APPOMATTOX, VA 24522 |
* | $ 199,932,000 | 5 | $ 71,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 5 | $ 482,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 4 | $ 543,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 266,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 4 | $ 262,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 20,908,181,000 | 4 | $ 350,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 3 | $ 321,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 3 | $ 123,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 169,076,807,000 | 3 | $ 28,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 3 | $ 479,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 3 | $ 61,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 3 | $ 504,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 2 | $ 358,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 188,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 238,000 |
| Colonial Farm Credit Aca 7104 MECHANICSVILLE TURNPIKE MECHANICSVILLE, VA 23111 |
* | $ 10,000,000 | 2 | $ 168,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 2 | $ 346,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 299,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ 710,000 | 2 | $ 198,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 270,000 |
| Potomac Mortgage Group Inc 4035 RIDGE TOP ROAD, #100 FAIRFAX, VA 22030 |
* | $ 10,000,000 | 2 | $ 160,000 |
| Continental Home Loans Inc. 175 PINELAWN ROAD, SUITE 303 MELVILLE, NY 11747 |
* | $ 14,386,000 | 2 | $ 136,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 2 | $ 203,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 2 | $ 410,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 2 | $ 433,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,532,278,000 | 1 | $ 86,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 82,086,021,000 | 1 | $ 243,000 |
| Farmers & Merchants Bank PO BOX 1111 TIMBERVILLE, VA 22853 |
* | $ 595,573,000 | 1 | $ 149,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 269,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 110,000 |
| Baylands Federal Credit Union P O BOX 392, 2004 MAIN STREET WEST POINT, VA 23181 |
* | $ 74,349,000 | 1 | $ 58,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 1 | $ 100,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 1 | $ 90,000 |
| Prosperity Mortgage Company 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,788,563,000 | 1 | $ 196,000 |
| Bank of the James 828 MAIN STREET LYNCHBURG, VA 24504 |
* | $ 441,440,000 | 1 | $ 21,000 |
| Union Mortgage Group, Inc. 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 4,084,707,000 | 1 | $ 124,000 |
| Southern Trust Mortgage LLC 4433 CORPORATION LANE, SUITE 300 VIRGINIA BEACH, VA 23462 |
* | $ 935,253,000 | 1 | $ 158,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 1 | $ 46,000 |
| Ovm Financial, Inc. 816 GREENBRIER CIRCLE SUITE 100 CHESAPEAKE, VA 23320 |
* | $ 10,000,000 | 1 | $ 93,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 159,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ 10,000,000 | 1 | $ 232,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 5,130,184,000 | 1 | $ 170,000 |
| First Mariner Bank 3301 BOSTON STREET BALTIMORE, MD 21224 |
* | $ 1,376,094,000 | 1 | $ 108,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 149,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ 4,464,000 | 1 | $ 255,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 80,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 116,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ 189,567,000 | 1 | $ 125,000 |
| First Federal Bank 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,209,458,000 | 1 | $ 170,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,105,077,000 | 1 | $ 85,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,864,946,000 | 1 | $ 70,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 31,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 1 | $ 113,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 115,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 153,000 |
The tables below break down 2013 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 2013
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 | 200 | $23,528,000 | $117,000 | $850,000 | $56,000 | $307,000 |
| Home Purchase | 153 | $16,878,000 | $110,000 | $725,000 | $48,000 | $238,000 |
| Home Improvement | 57 | $2,325,000 | $40,000 | $135,000 | $66,000 | $377,000 |
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 | 245 | $26,490,000 | $108,000 | $725,000 | $61,000 | $377,000 |
| Black or African American | 79 | $6,436,000 | $81,000 | $214,000 | $41,000 | $129,000 |
| Not Provided | 53 | $5,805,000 | $109,000 | $850,000 | $58,000 | $307,000 |
| Not applicable | 23 | $2,582,000 | $112,000 | $309,000 | $17,000 | $80,000 |
| American Indian or Alaskan Native | 5 | $776,000 | $155,000 | $327,000 | $55,000 | $100,000 |
| Hispanic | 4 | $532,000 | $133,000 | $140,000 | $70,000 | $170,000 |
| Asian | 1 | $110,000 | $110,000 | $110,000 | $34,000 | $34,000 |
| 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) | 327 | $31,555,000 | $96,000 | $850,000 | $59,000 | $377,000 |
| FHA-insured (Federal Housing Administration) | 55 | $7,144,000 | $129,000 | $269,000 | $32,000 | $129,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,689,000 | $149,000 | $310,000 | $43,000 | $170,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,343,000 | $134,000 | $178,000 | $49,000 | $68,000 |
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 | 180 | $18,401,000 | $102,000 | $303,000 | $64,000 | $377,000 |
| Application Denied By Financial Institution | 123 | $12,326,000 | $100,000 | $850,000 | $45,000 | $239,000 |
| Loan Purchased By The Institution | 36 | $4,281,000 | $118,000 | $269,000 | $38,000 | $136,000 |
| Application Approved But Not Accepted | 34 | $2,803,000 | $82,000 | $240,000 | $50,000 | $145,000 |
| Application Withdrawn By Applicant | 27 | $3,200,000 | $118,000 | $310,000 | $56,000 | $137,000 |
| File Closed For Incompleteness | 10 | $1,720,000 | $172,000 | $725,000 | $56,000 | $99,000 |
| 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 | 30 | $3,093,000 | $103,000 | $850,000 | $44,000 | $170,000 |
| Debt-To-Income Ratio | 15 | $1,389,000 | $92,000 | $327,000 | $40,000 | $90,000 |
| Collateral | 10 | $1,253,000 | $125,000 | $260,000 | $80,000 | $113,000 |
| Other | 7 | $644,000 | $92,000 | $309,000 | $29,000 | $73,000 |
| Unverifiable Information | 3 | $601,000 | $200,000 | $417,000 | $161,000 | $239,000 |
| Credit Application Incomplete | 3 | $369,000 | $123,000 | $140,000 | $49,000 | $65,000 |
| Employment History | 1 | $117,000 | $117,000 | $117,000 | $48,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $146,000 | $146,000 | $146,000 | $35,000 | $35,000 |
| 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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