Cumberland County, VA Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 458 mortgage applications in Cumberland County, VA totaling $53.2 million, down 3% from 2010. The average application was for $116,000, and applicants reported an average income of $51,000. 42% of applications resulted in an originated loan and 22% were denied. The most active lender was Wells Fargo Bank NA, with 62 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 | 458 |
| Total Mortgage Loan Application Amount | $53,183,000 |
| Average Mortgage Loan Application Amount | $116,000 |
| Highest Mortgage Loan Application Amount | $850,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $431,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 62 | $ 7,185,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 60 | $ 5,641,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 32 | $ 3,818,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 25 | $ 2,324,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 2,094,079,000 | 20 | $ 1,631,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 17 | $ 2,374,000 |
| Citizens Bank & Trust Co. 126 SOUTH MAIN ST. BLACKSTONE, VA 23824 |
* | $ 324,943,000 | 16 | $ 767,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 16 | $ 2,169,000 |
| Central Virginia Bank PO BOX 391 WEST POINT, VA 23181 |
* | $ 408,263,000 | 15 | $ 94,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 14 | $ 2,057,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 11 | $ 1,451,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 8 | $ 1,116,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 8 | $ 1,279,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 7 | $ 990,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 6 | $ 957,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 6 | $ 669,000 |
| Benchmark Mortgage, Inc 4413 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 6 | $ 1,015,000 |
| Prosperity Mortgage Company 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,788,563,000 | 5 | $ 866,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ 710,000 | 5 | $ 808,000 |
| Colonial Farm Credit Aca 7104 MECHANICSVILLE TURNPIKE MECHANICSVILLE, VA 23111 |
* | $ 10,000,000 | 4 | $ 473,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 554,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 4 | $ 542,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ 189,567,000 | 4 | $ 647,000 |
| The Farmers Bank of Appomattox 223 MAIN ST APPOMATTOX, VA 24522 |
* | $ 186,219,000 | 3 | $ 5,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 3 | $ 283,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 3 | $ 227,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 365,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 456,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 3 | $ 664,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 558,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 2 | $ 325,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 226,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 2 | $ 290,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 245,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 2 | $ 123,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 2 | $ 335,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 2 | $ 114,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 2 | $ 135,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 165,800,581,000 | 2 | $ 25,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 2 | $ 530,000 |
| Provident Funding Group Inc 851 TRAEGER AVENUE, SUITE 100 SAN BRUNO, CA 94066 |
* | $ 2,200,000,000 | 2 | $ 402,000 |
| Village Bank Mortgage 13305 MIDLOTHIAN TURNPIKE MIDLOTHIAN, VA 23113 |
* | $ 300,960,000 | 2 | $ 328,000 |
| Coastal States Mortgage, Inc. 5 BOW CIRCLE HILTON HEAD ISLAND, SC 29928 |
* | $ 10,000,000 | 2 | $ 280,000 |
| Townebank 5716 HIGH STREET WEST PORTSMOUTH, VA 23703 |
* | $ 3,871,028,000 | 2 | $ 253,000 |
| Argent Federal Credit Union 11651 ALLIANCE CIRCLE CHESTER, VA 23831 |
* | $ 183,592,000 | 2 | $ 186,000 |
| Uva Community Credit Union 3300 BERKMAR DRIVE CHARLOTTESVILLE, VA 22901 |
* | $ 496,882,000 | 1 | $ 10,000 |
| Village Bank and Trust Financial Corp. P. O. BOX 330 MIDLOTHIAN, VA 23113 |
* | $ 588,148,000 | 1 | $ 9,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 130,000 |
| 1st Advantage Federal Credit U 110 CYBERNETICS WAY YORKTOWN, VA 23693 |
* | $ 523,835,000 | 1 | $ 160,000 |
| Partners Financial Federal C U 1200 NEW YORK AVENUE GLEN ALLEN, VA 23060 |
* | $ 92,518,000 | 1 | $ 120,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 1 | $ 59,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 1 | $ 99,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 1 | $ 126,000 |
| Franklin Federal Savings Bank PO BOX 5310 GLEN ALLEN, VA 23058 |
* | $ 959,779,000 | 1 | $ 10,000 |
| First Federal of Charleston 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,249,548,000 | 1 | $ 88,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 457,501,000 | 1 | $ 227,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,054,163,000 | 1 | $ 175,000 |
| Presidential Bank, FSB 4600 EAST WEST HIGHWAY, SUITE 400 BETHESDA, MD 20814 |
* | $ 608,886,000 | 1 | $ 100,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 187,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 17,000 |
| Essex Bank 9954 MAYLAND DRIVE SUITE 2100 RICHMOND, VA 23233 |
* | $ 1,114,724,000 | 1 | $ 6,000 |
| Stellarone Bank 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 2,923,419,000 | 1 | $ 474,000 |
| Monarch Bank 1435 CROSSWAYS BOULEVARD, SUITE 101 CHESAPEAKE, VA 23320 |
* | $ 826,113,000 | 1 | $ 105,000 |
| Union Mortgage Group, Inc. 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 3,804,090,000 | 1 | $ 166,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,285,622,000 | 1 | $ 108,000 |
| Southern Trust Mortgage LLC 4433 CORPORATION LANE, SUITE 300 VIRGINIA BEACH, VA 23462 |
* | $ 935,253,000 | 1 | $ 88,000 |
| Carolina Bank PO BOX 10209 GREENSBORO, NC 27404 |
* | $ 676,387,000 | 1 | $ 97,000 |
| Barrons Mortgage Group Ltd 3325 SOUTH TRYON STREET CHARLOTTE, NC 28217 |
* | $ 6,353,000 | 1 | $ 220,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 850,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 15,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 1 | $ 60,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 46,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 156,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 153,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 90,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 165,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 94,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 279,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 115,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 121,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 115,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 135,000 |
| American Security Mortgage Cor 2101 REXFORD RD. SUITE 100E CHARLOTTE, NC 28207 |
* | $ 10,000,000 | 1 | $ 163,000 |
The tables below break down 2011 mortgage applications in Cumberland 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 Cumberland County, VA in 2011
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 | 262 | $34,226,000 | $130,000 | $474,000 | $54,000 | $275,000 |
| Home Purchase | 139 | $17,539,000 | $126,000 | $850,000 | $51,000 | $431,000 |
| Home Improvement | 57 | $1,418,000 | $24,000 | $188,000 | $41,000 | $138,000 |
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 | 288 | $35,880,000 | $124,000 | $850,000 | $56,000 | $431,000 |
| Black or African American | 88 | $7,392,000 | $84,000 | $221,000 | $43,000 | $142,000 |
| Not Provided | 46 | $5,795,000 | $125,000 | $341,000 | $56,000 | $226,000 |
| Not applicable | 27 | $3,171,000 | $117,000 | $400,000 | $23,000 | $87,000 |
| Hispanic | 3 | $475,000 | $158,000 | $178,000 | $42,000 | $49,000 |
| American Indian or Alaskan Native | 3 | $154,000 | $51,000 | $125,000 | $45,000 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $311,000 | $155,000 | $245,000 | $54,000 | $87,000 |
| Asian | 1 | $5,000 | $5,000 | $5,000 | $37,000 | $37,000 |
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) | 302 | $31,566,000 | $104,000 | $850,000 | $56,000 | $431,000 |
| FHA-insured (Federal Housing Administration) | 110 | $14,172,000 | $128,000 | $231,000 | $41,000 | $142,000 |
| VA-guaranteed (Veterans Administration) | 26 | $4,674,000 | $179,000 | $474,000 | $54,000 | $187,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,771,000 | $138,000 | $181,000 | $41,000 | $67,000 |
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 | 191 | $21,008,000 | $109,000 | $400,000 | $55,000 | $226,000 |
| Application Denied By Financial Institution | 102 | $9,788,000 | $95,000 | $368,000 | $44,000 | $135,000 |
| Loan Purchased By The Institution | 67 | $8,997,000 | $134,000 | $400,000 | $41,000 | $115,000 |
| Application Withdrawn By Applicant | 51 | $8,071,000 | $158,000 | $850,000 | $62,000 | $431,000 |
| Application Approved But Not Accepted | 25 | $2,598,000 | $103,000 | $270,000 | $49,000 | $111,000 |
| File Closed For Incompleteness | 22 | $2,721,000 | $123,000 | $265,000 | $62,000 | $170,000 |
| 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 | 32 | $1,855,000 | $57,000 | $186,000 | $42,000 | $116,000 |
| Collateral | 12 | $1,617,000 | $134,000 | $368,000 | $61,000 | $131,000 |
| Other | 8 | $696,000 | $87,000 | $153,000 | $41,000 | $70,000 |
| Debt-To-Income Ratio | 8 | $1,068,000 | $133,000 | $303,000 | $40,000 | $62,000 |
| Credit Application Incomplete | 3 | $561,000 | $187,000 | $227,000 | $24,000 | $72,000 |
| Employment History | 2 | $160,000 | $80,000 | $97,000 | $32,000 | $41,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $79,000 | $79,000 | $79,000 | $10,000 | $10,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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