Charlottesville City, VA Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 902 mortgage applications in Charlottesville City, VA totaling $291.3 million, down 40% from 2022. The average application was for $322,000, and applicants reported an average income of $190,000. 53% of applications resulted in an originated loan and 16% were denied. The most active lender was Uva Community Credit Union, with 103 applications, followed by Truist Bank and Bank of America 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 | 902 |
| Total Mortgage Loan Application Amount | $291,280,000 |
| Average Mortgage Loan Application Amount | $322,000 |
| Highest Mortgage Loan Application Amount | $9,405,000 |
| Average Applicant Income | $190,000 |
| Highest Applicant Income | $4,522,000 |
* 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 |
|---|---|---|---|---|
| Uva Community Credit Union 3300 BERKMAR DRIVE CHARLOTTESVILLE, VA 22901 |
* | $ 1,409,418,000 | 103 | $ 14,595,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 65 | $ 17,945,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 45 | $ 9,115,000 |
| Fulton Bank, National Association ONE PENN SQUARE LANCASTER, PA 17602 |
* | $ 26,819,331,000 | 38 | $ 19,990,000 |
| Member Options, LLC 1936 ARLINGTONG BLVD. CHARLOTTESVILLE, VA 22903 |
* | $ -1,000 | 33 | $ 9,195,000 |
| First Heritage Mortgage, LLC 11325 RANDOM HILLS RD SUITE 600 FAIRFAX, VA 22031 |
* | $ -1,000 | 33 | $ 13,745,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 27 | $ 8,285,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 24 | $ 9,080,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 23 | $ 9,015,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 5,086,461,000 | 23 | $ 3,915,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 18 | $ 5,530,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 18 | $ 8,460,000 |
| Atlantic Coast Mortgage, LLC 4100 MONUMENT CORNER DRIVE, SUITE 300 FAIRFAX, VA 22030 |
* | $ -1,000 | 17 | $ 5,875,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 16 | $ 970,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 109,180,139,000 | 16 | $ 5,060,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ 20,342,081,000 | 16 | $ 3,150,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ -1,000 | 15 | $ 6,535,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 15 | $ 3,535,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 14 | $ 7,150,000 |
| Carter Bank and Trust PO BOX 3748 MARTINSVILLE, VA 24112 |
* | $ 4,199,820,000 | 14 | $ 5,430,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 13 | $ 3,245,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 12 | $ 4,220,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 10 | $ 3,680,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 8 | $ 2,700,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 8 | $ 1,530,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ 607,423,000 | 7 | $ 2,345,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ -1,000 | 7 | $ 2,055,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 7 | $ 2,075,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ 4,087,397,000 | 6 | $ 810,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 6 | $ 1,500,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 6 | $ 350,000 |
| Blue Ridge Bank P.O. BOX 609, 17 WEST MAIN ST LURAY, VA 22835 |
* | $ 3,098,582,000 | 5 | $ 12,575,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 5 | $ 1,415,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 5 | $ 1,435,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,766,752,000,000 | 5 | $ 3,505,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 5 | $ 1,215,000 |
| Citizens and Farmers Bank 415 14TH STREET WEST POINT, VA 23181 |
* | $ 2,312,638,000 | 4 | $ 420,000 |
| First Bank and Trust Company PO BOX 1000 ABINGDON, VA 24212 |
* | $ 3,140,875,000 | 4 | $ 940,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ -1,000 | 4 | $ 1,060,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 4 | $ 1,280,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 1,650,000 |
| Bank of the James 828 MAIN STREET LYNCHBURG, VA 24504 |
* | $ 918,549,000 | 4 | $ 1,520,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 1,210,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 16,117,865,000 | 4 | $ 970,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 990,000 |
| Towne First Mortgage, LLC 4501 COX RD #301 GLEN ALLEN, VA 23060 |
* | $ -1,000 | 3 | $ 1,375,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ 29,430,409,000 | 3 | $ 785,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ -1,000 | 3 | $ 1,065,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 3 | $ 1,655,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 3 | $ 1,395,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 635,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 16,995,485,000 | 3 | $ 1,125,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 209,664,000,000 | 3 | $ 2,365,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 9,123,708,000 | 3 | $ 1,585,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 3 | $ 785,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 3 | $ 1,115,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 875,000 |
| Shore United Bank, N.A. 18 EAST DOVER STREET EASTON, MD 21601 |
* | $ 3,476,775,000 | 2 | $ 980,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ 43,726,588,000 | 2 | $ 520,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 50,970,402,000 | 2 | $ 820,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 386,799,237,000 | 2 | $ 1,230,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 120,987,397,000 | 2 | $ 1,050,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 2 | $ 1,150,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ 19,309,880,000 | 2 | $ 1,000,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ -1,000 | 2 | $ 680,000 |
| Pioneer Bank P O BOX 10 252 EAST MAIN ST STANLEY, VA 22851 |
* | $ 292,726,000 | 2 | $ 930,000 |
| Intercoastal Mortgage, LLC 11911 FREEDOM DRIVE SUITE 500 RESTON, VA 20190 |
* | $ -1,000 | 2 | $ 820,000 |
| Presidential Bank, FSB 4600 EAST WEST HIGHWAY, SUITE 400 BETHESDA, MD 20814 |
* | $ 800,304,000 | 2 | $ 1,460,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ -1,000 | 2 | $ 450,000 |
| Virginia National Bank PO BOX 2853 CHARLOTTESVILLE, VA 22911 |
* | $ 1,621,725,000 | 2 | $ 280,000 |
| State Departmenet Federal Credit Union 1630 KING STREET ALEXANDRIA, VA 22314 |
* | $ 2,739,271,000 | 2 | $ 750,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 2 | $ 460,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 530,000 |
| Real Genius LLC 1625 S CONGRESS AVE STE 190 DELRAY BEACH, FL 33445 |
* | $ -1,000 | 2 | $ 750,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 370,000 |
| Apple Federal Credit Union 4029 RIDGE TOP RD FAIRFAX, VA 22030 |
* | $ 4,163,201,000 | 2 | $ 530,000 |
| City National Bank 555 S FLOWER ST LOS ANGELES, CA 90071 |
* | $ 96,504,709,000 | 2 | $ 900,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 2 | $ 600,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 2 | $ 990,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 4,112,771,000 | 2 | $ 110,000 |
| Congressional Federal Credit Union 10461 WHITE GRANITE DRIVE OAKTON, VA 22124 |
* | $ 1,254,936,000 | 2 | $ 600,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 1,080,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 2 | $ 110,000 |
| George Mason Mortgage, LLC 4100 MONUMENT CORNER DRIVE #100 PRINCE WILLIAM, VA 22030 |
* | $ -1,000 | 2 | $ 890,000 |
| Langley Federal Credit Union 721 LAKEFRONT COMMONS, SUITE 102 NEWPORT NEWS, VA 23606 |
* | $ 5,060,479,000 | 2 | $ 1,180,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 2 | $ 60,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 181,890,000,000 | 2 | $ 880,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 26,441,420,000 | 1 | $ 205,000 |
| Rivamortgage LLC 804 OMNI BLVD SUITE 103 NEWPORT NEWS, VA 23606 |
* | $ -1,000 | 1 | $ 335,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ -1,000 | 1 | $ 735,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 205,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 365,000 |
| Sharonview Federal CU 1081 RED VENTURES DR. INDIAN LAND, SC 29707 |
* | $ 1,947,436,000 | 1 | $ 105,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 3,890,541,000 | 1 | $ 2,005,000 |
| Chartway FCU 5700 CLEVELAND STREET VIRGINIA BEACH, VA 23462 |
* | $ 2,622,526,000 | 1 | $ 375,000 |
| Old Dominion National Bank 4916 PLANK RD CHARLOTTESVILLE, VA 22903 |
* | $ 1,031,054,000 | 1 | $ 585,000 |
| Hightechlending, Inc 2030 MAIN ST 350 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 635,000 |
| Cbm Mortgage, Inc. 912 HOMETOWN WAY FRONT ROYAL, VA 22630 |
* | $ -1,000 | 1 | $ 175,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 635,000 |
| Shelter Growth Capital Partners LLC 750 WASHINGTON BLVD WILMINGTON, DE 06901 |
* | $ -1,000 | 1 | $ 355,000 |
| Select Bank P.O. BOX 4620 FOREST, VA 24551 |
* | $ 440,948,000 | 1 | $ 195,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 455,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,943,023,000 | 1 | $ 55,000 |
| First Savings Mortgage Corporation 8444 WEST PARK DRIVE, THE 4TH FLOOR MCLEAN, VA 22102 |
* | $ -1,000 | 1 | $ 575,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 195,000 |
| Towne Mortgage 3 COMMERCIAL PLACE STE 1440 NORFOLK, VA 23510 |
* | $ -1,000 | 1 | $ 585,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 385,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 265,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 315,000 |
| Strong Home Mortgage, LLC 9408 GRANT AVENUE SUITE 302 MANASSAS, VA 20110 |
* | $ -1,000 | 1 | $ 415,000 |
| Dupont Community Credit Union 140 LUCY LANE WAYNESBORO, VA 22980 |
* | $ 1,811,515,000 | 1 | $ 215,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 415,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 25,000 |
| Aurora Financial, LLC 8150 LEESBURG PIKE #410 VIENNA, VA 22182 |
* | $ -1,000 | 1 | $ 315,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 65,000 |
| Farmers & Merchants Bank PO BOX 1111 TIMBERVILLE, VA 22853 |
* | $ -1,000 | 1 | $ 285,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 18,739,008,000 | 1 | $ 105,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,401,730,000 | 1 | $ 425,000 |
| Tidewater Home Funding, LLC 1108 EDEN WAY CHESAPEAKE, VA 23320 |
* | $ -1,000 | 1 | $ 375,000 |
| The Northern Trust Co 50 S. LA SALLE CHICAGO, IL 60603 |
* | $ 154,522,864,000 | 1 | $ 1,215,000 |
| All Credit Considered Mortgage, Inc. 1801 RESEARCH BLVD #410 ROCKVILLE, MD 20850 |
* | $ -1,000 | 1 | $ 415,000 |
| 1st Advantage Federal Credit U 110 CYBERNETICS WAY YORKTOWN, VA 23693 |
* | $ 940,188,000 | 1 | $ 805,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 365,000 |
| Beeline Loans, Inc. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ -1,000 | 1 | $ 125,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ -1,000 | 1 | $ 355,000 |
| Community Bank of the Chesapeake 3035 LEONARDTOWN RD WALDORF, MD 20601 |
* | $ 2,408,423,000 | 1 | $ 3,705,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 115,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 1 | $ 345,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 35,158,162,000 | 1 | $ 325,000 |
| Ross Mortgage Corporation 2075 W. BIG BEAVER, SUITE 700 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 145,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 345,000 |
| Pinnacle Bank 150 3RD AVE SOUTH NASHVILLE, TN 37203 |
* | $ 41,842,515,000 | 1 | $ 205,000 |
| National Bank of Blacksburg P.O. BOX 90002 BLACKSBURG, VA 24060 |
* | $ 1,674,446,000 | 1 | $ 535,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 145,000 |
| Nextmark Federal Credit Union 4201 MEMBERS WAY FAIRFAX, VA 22030 |
* | $ 510,926,000 | 1 | $ 35,000 |
| First Carolina Bank 171 N WINSTEAD AVE ROCKY MOUNT, NC 27804 |
* | $ 2,112,345,000 | 1 | $ 855,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ 16,706,914,000 | 1 | $ 75,000 |
| Intercap Lending Inc 910 EAST 6600 SOUTH SALT LAKE CITY, UT 84121 |
* | $ -1,000 | 1 | $ 615,000 |
| Kwik Mortgage Corporation 959 ROUTE 46 EAST, #401 PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 415,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 415,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 1 | $ 185,000 |
| Southern Trust Mortgage, LLC 295 BENDIX ROAD SUITE 400 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 1 | $ 395,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 315,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 95,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 78,672,073,000 | 1 | $ 655,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 942,438,000 | 1 | $ 565,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 305,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 355,000 |
The tables below break down 2023 mortgage applications in Charlottesville City, VA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Charlottesville City, VA in 2023
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 | 482 | $203,040,000 | $421,000 | $2,005,000 | $232,000 | $4,522,000 |
| Home Improvement | 163 | $29,405,000 | $180,000 | $9,405,000 | $152,000 | $1,440,000 |
| Other Purpose | 115 | $19,165,000 | $166,000 | $1,515,000 | $173,000 | $1,828,000 |
| Cash-out Refinancing | 82 | $20,190,000 | $246,000 | $785,000 | $117,000 | $1,125,000 |
| Refinancing | 57 | $19,415,000 | $340,000 | $3,705,000 | $133,000 | $457,000 |
| Not Applicable | 3 | $65,000 | $21,000 | $45,000 | $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 | 535 | $167,455,000 | $313,000 | $1,705,000 | $204,000 | $4,522,000 |
| Not Provided | 143 | $41,725,000 | $291,000 | $1,215,000 | $193,000 | $1,440,000 |
| Not applicable | 110 | $55,110,000 | $501,000 | $9,405,000 | $181,000 | $505,000 |
| Black or African American | 55 | $10,535,000 | $191,000 | $785,000 | $82,000 | $229,000 |
| Asian | 29 | $6,725,000 | $231,000 | $445,000 | $159,000 | $525,000 |
| Hispanic | 22 | $5,950,000 | $270,000 | $725,000 | $140,000 | $380,000 |
| American Indian or Alaskan Native | 1 | $765,000 | $765,000 | $765,000 | $626,000 | $626,000 |
| 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) | 840 | $270,460,000 | $321,000 | $9,405,000 | $197,000 | $4,522,000 |
| FHA-insured (Federal Housing Administration) | 36 | $8,970,000 | $249,000 | $515,000 | $90,000 | $287,000 |
| VA-guaranteed (Veterans Administration) | 26 | $11,850,000 | $455,000 | $785,000 | $115,000 | $215,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 476 | $168,490,000 | $353,000 | $9,405,000 | $205,000 | $4,522,000 |
| Application Denied By Financial Institution | 143 | $26,455,000 | $185,000 | $1,515,000 | $131,000 | $1,828,000 |
| Application Withdrawn By Applicant | 134 | $49,920,000 | $372,000 | $3,705,000 | $203,000 | $1,934,000 |
| Loan Purchased By The Institution | 88 | $32,790,000 | $372,000 | $1,085,000 | $163,000 | $505,000 |
| File Closed For Incompleteness | 40 | $8,680,000 | $217,000 | $665,000 | $172,000 | $1,440,000 |
| Application Approved But Not Accepted | 21 | $4,945,000 | $235,000 | $855,000 | $216,000 | $457,000 |
| 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 | 676 | $247,290,000 | $365,000 | $9,405,000 | $205,000 | $4,522,000 |
| Debt-To-Income Ratio | 155 | $28,305,000 | $182,000 | $3,705,000 | $124,000 | $1,440,000 |
| Collateral | 25 | $6,785,000 | $271,000 | $1,515,000 | $275,000 | $1,828,000 |
| Credit History | 20 | $2,420,000 | $121,000 | $415,000 | $112,000 | $246,000 |
| Other | 12 | $3,070,000 | $255,000 | $755,000 | $120,000 | $462,000 |
| Credit Application Incomplete | 8 | $1,180,000 | $147,000 | $275,000 | $103,000 | $236,000 |
| Unverifiable Information | 4 | $1,070,000 | $267,000 | $705,000 | $322,000 | $348,000 |
| Employment History | 1 | $435,000 | $435,000 | $435,000 | $440,000 | $440,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $725,000 | $725,000 | $725,000 | $320,000 | $320,000 |
| 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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