Cumberland County, VA Mortgage Lenders & HMDA Data, 2013

In 2013, lenders reported 510 mortgage applications in Cumberland County, VA totaling $63.4 million, up 10% from 2012. The average application was for $124,000, and applicants reported an average income of $55,000. 43% of applications resulted in an originated loan and 27% were denied. The most active lender was Wells Fargo Bank NA, with 63 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 510
Total Mortgage Loan Application Amount $63,387,000
Average Mortgage Loan Application Amount $124,000
Highest Mortgage Loan Application Amount $445,000
Average Applicant Income $55,000
Highest Applicant Income $397,000

Mortgage Company List for Lending in Cumberland County, VA for 2013

* 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
* $ 1,266,125,000,000 63 $ 7,303,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 178,034,172,000 51 $ 6,115,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 37 $ 3,647,000
Virginia Federal Credit Union
PO BOX 90010
RICHMOND, VA 23225
* $ 2,385,518,000 25 $ 1,982,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,474,077,383,000 19 $ 2,785,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,896,773,000,000 16 $ 2,201,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 169,076,807,000 16 $ 2,035,000
Central Virginia Bank
PO BOX 391
WEST POINT, VA 23181
* $ 386,369,000 15 $ 247,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 14 $ 2,543,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 295,026,390,000 12 $ 1,534,000
The Bank of Charlotte County
101 BERKLEY STREET
PHENIX, VA 23959
* $ 120,382,000 11 $ 1,204,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,313,401,000,000 9 $ 1,349,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ 710,000 9 $ 1,013,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 9 $ 1,415,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 8 $ 989,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 52,436,123,000 8 $ 1,026,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ 10,000,000 7 $ 1,329,000
New Horizon Bank, N.A.
2501 ANDERSON HWY
POWHATAN, VA 23139
* $ 45,207,000 7 $ 460,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 7 $ 801,000
The Farmers Bank of Appomattox
223 MAIN ST
APPOMATTOX, VA 24522
* $ 199,932,000 7 $ 238,000
Citizens Bank & Trust Co.
126 SOUTH MAIN ST.
BLACKSTONE, VA 23824
* $ 334,788,000 6 $ 399,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 345,088,616,000 5 $ 1,045,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 5 $ 484,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ 189,567,000 5 $ 492,000
Village Bank Mortgage
13305 MIDLOTHIAN TURNPIKE
MIDLOTHIAN, VA 23113
* $ 300,960,000 5 $ 870,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 5 $ 870,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 4 $ 586,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 4 $ 691,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ 542,375,000 4 $ 306,000
Prosperity Mortgage Company
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,788,563,000 4 $ 569,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,532,278,000 3 $ 395,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ 1,000,000,000 3 $ 411,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 3 $ 599,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 3 $ 628,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 191,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 2 $ 207,000
Tidewater Mortgage Services, Inc
200 GOLDEN OAK COURT STE. 100
VIRGINIA BEACH, VA 26452
* $ 100,000,000 2 $ 217,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 350,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 2 $ 210,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 2 $ 293,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 2 $ 216,000
Coastal States Mortgage, Inc.
5 BOW CIRCLE
HILTON HEAD ISLAND, SC 29928
* $ 10,000,000 2 $ 253,000
First Federal Bank
2440 MALL DRIVE
NORTH CHARLESTON, SC 29406
* $ 3,209,458,000 2 $ 410,000
Uva Community Credit Union
3300 BERKMAR DRIVE
CHARLOTTESVILLE, VA 22901
* $ 633,881,000 2 $ 12,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 2 $ 217,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 2 $ 277,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 58,597,476,000 2 $ 394,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 186,789,896,000 2 $ 397,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,247,622,000 2 $ 385,000
Monarch Bank
1435 CROSSWAYS BOULEVARD, SUITE 101
CHESAPEAKE, VA 23320
* $ 1,214,633,000 2 $ 268,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 6,680,971,000 2 $ 61,000
Southern Trust Mortgage LLC
4433 CORPORATION LANE, SUITE 300
VIRGINIA BEACH, VA 23462
* $ 935,253,000 2 $ 295,000
Cit Bank, National Association
75 N. FAIR OAKS AVE.
PASADENA, CA 91103
* $ 25,893,829,000 2 $ 247,000
Discover Home Loans, Inc.
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 73,491,315,000 2 $ 309,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 94,795,926,000 1 $ 138,000
Partners Financial Federal C U
1200 NEW YORK AVENUE
GLEN ALLEN, VA 23060
* $ 95,077,000 1 $ 4,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 119,444,656,000 1 $ 294,000
Brand Mortgage Group, LLC
1255 LAKES PARKWAY, BLDG 300, ST 200
LAWRENCEVILLE, GA 30043
* $ 1,195,416,000 1 $ 67,000
Union Mortgage Group, Inc.
1051 EAST CARY STREET, SUITE 1200
RICHMOND, VA 23219
* $ 4,084,707,000 1 $ 101,000
Stellarone Bank
1051 EAST CARY STREET, SUITE 1200
RICHMOND, VA 23219
* $ 3,015,248,000 1 $ 54,000
Dominion Energy Credit Union
PO BOX 26646
RICHMOND, VA 23225
* $ 254,590,000 1 $ 126,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 169,076,807,000 1 $ 10,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 1 $ 247,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 160,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 254,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 1 $ 85,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 1 $ 118,000
Severn Savings Bank, FSB dba Severn Bank
200 WESTGATE CIRCLE SUITE 200
ANNAPOLIS, MD 21401
* $ 845,847,000 1 $ 153,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 1 $ 204,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 1 $ 142,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 1 $ 160,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 255,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 190,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 445,000
Union Bank & Trust
1051 EAST CARY STREET, SUITE 1200
RICHMOND, VA 23219
* $ 4,084,707,000 1 $ 84,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ 100,000,000 1 $ 138,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 196,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 55,954,625,000 1 $ 87,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 250,961,257,000 1 $ 71,000
Flagstar Bank NA

TROY, MI 49098
* $ 14,069,057,000 1 $ 195,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 82,086,021,000 1 $ 113,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 1 $ 297,000
Hamilton Home Loans, Inc.
1551 SAWGRASS CORPORATE PARKWAY, STE 300
SUNRISE, FL 33323
* $ 10,000,000 1 $ 121,000
BNC National Bank

BISMARCK, ND 58501
* $ 768,613,000 1 $ 225,000
Fulton Bank, National Association
ONE PENN SQUARE
LANCASTER, PA 17602
* $ 9,228,605,000 1 $ 74,000
Argent Federal Credit Union
11651 ALLIANCE CIRCLE
CHESTER, VA 23831
* $ 188,137,000 1 $ 12,000
Carolina Premier Bank
13024 BALLANTYNE CORPORATE PLACE
CHARLOTTE, NC 28277
* $ 266,142,000 1 $ 133,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 165,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 1 $ 169,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 123,000
Barrons Mortgage Group Ltd
3325 SOUTH TRYON STREET
CHARLOTTE, NC 28217
* $ 6,353,000 1 $ 223,000
Guaranteed Home Mortgage Compa
108 CORPORATE PARK DRIVE - SUITE 301
WHITE PLAINS, NY 10604
* $ 10,000,000 1 $ 279,000
Henrico Federal Credit Union
9401 WEST BROAD ST
HENRICO, VA 23294
* $ 194,566,000 1 $ 163,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 209,365,000 1 $ 88,000
Dubuque Bank and Trust Company
1398 CENTRAL AVENUE
DUBUQUE, IA 52001
* $ 1,482,504,000 1 $ 186,000
R M K Financial Corp.
1819 S. EXCISE AVENUE
ONTARIO, CA 91761
* $ 16,639,000 1 $ 162,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 87,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 66,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ 4,464,000 1 $ 200,000
Member Advantage Mortgage
3330 BROADMOOR SE, SUITE B
GRAND RAPIDS, MI 49512
* $ 8,810,000 1 $ 176,000

The tables below break down 2013 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 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 275 $40,553,000 $147,000 $445,000 $57,000 $258,000
Home Purchase 171 $20,334,000 $118,000 $300,000 $54,000 $397,000
Home Improvement 64 $2,500,000 $39,000 $251,000 $48,000 $134,000

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 314 $40,067,000 $127,000 $445,000 $61,000 $397,000
Black or African American 97 $9,444,000 $97,000 $278,000 $46,000 $168,000
Not Provided 58 $8,127,000 $140,000 $395,000 $50,000 $167,000
Not applicable 36 $4,959,000 $137,000 $331,000 $28,000 $275,000
Hispanic 4 $596,000 $149,000 $280,000 $46,000 $92,000
Native Hawaiian or Other Pacific Islander 1 $194,000 $194,000 $194,000 $104,000 $104,000
American Indian or Alaskan Native 0 $0 $0 $0 $0 $0
Asian 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) 347 $39,344,000 $113,000 $445,000 $60,000 $397,000
FHA-insured (Federal Housing Administration) 99 $13,460,000 $135,000 $331,000 $41,000 $181,000
VA-guaranteed (Veterans Administration) 34 $6,332,000 $186,000 $320,000 $55,000 $149,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 30 $4,251,000 $141,000 $223,000 $37,000 $71,000

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 219 $27,349,000 $124,000 $445,000 $60,000 $397,000
Application Denied By Financial Institution 138 $14,976,000 $108,000 $333,000 $51,000 $240,000
Loan Purchased By The Institution 72 $10,041,000 $139,000 $331,000 $40,000 $275,000
Application Withdrawn By Applicant 30 $4,723,000 $157,000 $332,000 $70,000 $181,000
Application Approved But Not Accepted 28 $3,098,000 $110,000 $347,000 $56,000 $258,000
File Closed For Incompleteness 23 $3,200,000 $139,000 $320,000 $61,000 $136,000
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 35 $2,911,000 $83,000 $333,000 $42,000 $117,000
Debt-To-Income Ratio 22 $2,969,000 $134,000 $332,000 $51,000 $134,000
Collateral 13 $1,686,000 $129,000 $320,000 $79,000 $240,000
Other 7 $726,000 $103,000 $151,000 $55,000 $102,000
Unverifiable Information 5 $513,000 $102,000 $207,000 $54,000 $85,000
Credit Application Incomplete 3 $277,000 $92,000 $128,000 $87,000 $180,000
Insufficient Cash (Downpayment, Closing Cost) 1 $81,000 $81,000 $81,000 $0 $0
Mortgage Insurance Denied 1 $85,000 $85,000 $85,000 $38,000 $38,000
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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