Cumberland County, VA Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 506 mortgage applications in Cumberland County, VA totaling $102.0 million, up 12% from 2023. The average application was for $201,000, and applicants reported an average income of $93,000. 49% of applications resulted in an originated loan and 18% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 55 applications, followed by Virginia Federal Credit Union and PennyMac Loan Services LLC.

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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 506
Total Mortgage Loan Application Amount $102,020,000
Average Mortgage Loan Application Amount $201,000
Highest Mortgage Loan Application Amount $755,000
Average Applicant Income $93,000
Highest Applicant Income $586,000

Mortgage Company List for Lending in Cumberland County, VA for 2024

* 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
* $ n/a 55 $ 7,485,000
Virginia Federal Credit Union
PO BOX 90010
RICHMOND, VA 23225
* $ n/a 29 $ 3,665,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 25 $ 6,515,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ n/a 22 $ 4,580,000
Citizens and Farmers Bank
415 14TH STREET
WEST POINT, VA 23181
* $ n/a 19 $ 1,965,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 16 $ 3,060,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 13 $ 4,275,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 13 $ 2,995,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 12 $ 3,250,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 12 $ 4,280,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ n/a 11 $ 3,365,000
Citizens Bank & Trust Co.
126 SOUTH MAIN ST.
BLACKSTONE, VA 23824
* $ n/a 10 $ 1,290,000
Southern Trust Mortgage, LLC
295 BENDIX ROAD SUITE 400
VIRGINIA BEACH, VA 23452
* $ n/a 9 $ 2,215,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 9 $ 1,925,000
Benchmark Community Bank
P O BOX 569
KENBRIDGE, VA 23944
* $ n/a 8 $ 830,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 8 $ 1,170,000
United Bank VA

MORGANTOWN, WV 26505
* $ n/a 7 $ 1,775,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 7 $ 2,345,000
First Heritage Mortgage, LLC
11325 RANDOM HILLS RD SUITE 600
FAIRFAX, VA 22031
* $ n/a 6 $ 1,870,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 6 $ 420,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 6 $ 1,640,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 5 $ 935,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 5 $ 1,415,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ n/a 5 $ 1,455,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 5 $ 775,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ n/a 5 $ 1,115,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 5 $ 995,000
The Farmers Bank of Appomattox
223 MAIN ST
APPOMATTOX, VA 24522
* $ n/a 5 $ 575,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ n/a 5 $ 965,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ n/a 5 $ 1,585,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 5 $ 1,295,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 4 $ 650,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 4 $ 1,160,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 4 $ 1,130,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 4 $ 80,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 4 $ 1,280,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 3 $ 605,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 3 $ 505,000
Tidewater Mortgage Services, Inc
200 GOLDEN OAK COURT STE. 100
VIRGINIA BEACH, VA 26452
* $ n/a 3 $ 775,000
The Bank of Charlotte County
101 BERKLEY STREET
PHENIX, VA 23959
* $ n/a 3 $ 265,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 3 $ 505,000
Langley Federal Credit Union
721 LAKEFRONT COMMONS, SUITE 102
NEWPORT NEWS, VA 23606
* $ n/a 3 $ 75,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 3 $ 405,000
Integrity Home Mortgage Corporation
122 PILOT CIRCLE
WINCHESTER, VA 22602
* $ n/a 3 $ 755,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 3 $ 685,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 3 $ 565,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 3 $ 415,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 2 $ 480,000
Village Bank Mortgage
13305 MIDLOTHIAN TURNPIKE
MIDLOTHIAN, VA 23113
* $ n/a 2 $ 210,000
Atlantic Coast Mortgage, LLC
4100 MONUMENT CORNER DRIVE, SUITE 300
FAIRFAX, VA 22030
* $ n/a 2 $ 340,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 2 $ 230,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 2 $ 130,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 2 $ 110,000
Call Federal
4605 COMMERCE ROAD
RICHMOND, VA 23234
* $ n/a 2 $ 90,000
Colonial Farm Credit Aca
7104 MECHANICSVILLE TURNPIKE
MECHANICSVILLE, VA 23111
* $ n/a 2 $ 150,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 2 $ 440,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 2 $ 420,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 2 $ 190,000
Tower Federal Credit Union
7901 SANDY SPRING ROAD
LAUREL, MD 20707
* $ n/a 2 $ 100,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ n/a 2 $ 790,000
C&F Select LLC
1 PARK WEST CIRCLE SUITE 203
MIDLOTHIAN, VA 23113
* $ n/a 2 $ 220,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 2 $ 520,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 2 $ 330,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 2 $ 310,000
Towne First Mortgage, LLC
4501 COX RD #301
GLEN ALLEN, VA 23060
* $ n/a 2 $ 230,000
Dominion Energy Credit Union
PO BOX 26646
RICHMOND, VA 23225
* $ n/a 2 $ 1,120,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 2 $ 430,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 1 $ 295,000
Lakeview Community Capital
4425 PONE DE LEON BLVD, MS 5-251
CORAL GABLES, FL 33146
* $ n/a 1 $ 225,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 1 $ 75,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 1 $ 365,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 1 $ 135,000
Operating Engineers Federal Credit Union
250 N CANYONS PARKWAY
LIVERMORE, CA 94551
* $ n/a 1 $ 175,000
Shore United Bank, N.A.
18 EAST DOVER STREET
EASTON, MD 21601
* $ n/a 1 $ 195,000
Peoples Advantage Federal Credit Union
110 WAGNER RD
PETERSBURG, VA 23805
* $ n/a 1 $ 55,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ n/a 1 $ 185,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ n/a 1 $ 325,000
Hanscom Federal Credit Union
1610 EGLIN ST
HANSCOM AFB, MA 01731
* $ n/a 1 $ 45,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 1 $ 345,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ n/a 1 $ 285,000
First Reliance Bank
2170 W PALMETTO ST
FLORENCE, SC 29501
* $ n/a 1 $ 135,000
Cazle Mortgage, Inc.
3 E HENRIETTA ST
BALTIMORE, MD 21220
* $ n/a 1 $ 285,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 1 $ 255,000
Dominion Capital Mortgage, Inc.
3900 WESTERRE PARKWAY SUITE 100
RICHMOND, VA 23233
* $ n/a 1 $ 275,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 1 $ 195,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 1 $ 425,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ n/a 1 $ 15,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 65,000
Bay Equity LLC

DETROIT, MI 48226
* $ n/a 1 $ 235,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 1 $ 445,000
Chartway FCU
5700 CLEVELAND STREET
VIRGINIA BEACH, VA 23462
* $ n/a 1 $ 275,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 1 $ 325,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 1 $ 295,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ n/a 1 $ 25,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 1 $ 495,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 1 $ 245,000
First Bank
112 W KING ST
STRASBURG, VA 22657
* $ n/a 1 $ 105,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ n/a 1 $ 155,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ n/a 1 $ 235,000
Village Bank and Trust Financial Corp
P.O. BOX 330
MIDLOTHIAN, VA 23113
* $ n/a 1 $ 55,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ n/a 1 $ 565,000
Strategic Funding, LP
1149 VISTA PARK DR STE D
FOREST, VA 24574
* $ n/a 1 $ 105,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ n/a 1 $ 125,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ n/a 1 $ 175,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 1 $ 165,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 285,000

The tables below break down 2024 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 2024

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 303 $72,815,000 $240,000 $755,000 $94,000 $586,000
Cash-out Refinancing 71 $12,055,000 $169,000 $455,000 $74,000 $212,000
Refinancing 54 $11,800,000 $218,000 $565,000 $95,000 $489,000
Other Purpose 40 $2,960,000 $74,000 $205,000 $103,000 $300,000
Home Improvement 37 $2,335,000 $63,000 $145,000 $112,000 $350,000
Not Applicable 1 $55,000 $55,000 $55,000 $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 288 $60,210,000 $209,000 $755,000 $101,000 $586,000
Black or African American 72 $9,210,000 $127,000 $355,000 $68,000 $194,000
Not applicable 64 $17,430,000 $272,000 $755,000 $130,000 $197,000
Not Provided 58 $10,660,000 $183,000 $495,000 $82,000 $300,000
Hispanic 14 $2,720,000 $194,000 $355,000 $93,000 $383,000
American Indian or Alaskan Native 6 $1,080,000 $180,000 $295,000 $73,000 $118,000
Asian 2 $340,000 $170,000 $275,000 $122,000 $136,000
Native Hawaiian or Other Pacific Islander 1 $145,000 $145,000 $145,000 $147,000 $147,000

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) 316 $48,630,000 $153,000 $695,000 $96,000 $586,000
FHA-insured (Federal Housing Administration) 108 $25,970,000 $240,000 $475,000 $75,000 $275,000
VA-guaranteed (Veterans Administration) 72 $25,010,000 $347,000 $755,000 $113,000 $249,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 10 $2,410,000 $241,000 $375,000 $79,000 $93,000

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 248 $50,270,000 $202,000 $755,000 $99,000 $586,000
Application Denied By Financial Institution 90 $13,140,000 $146,000 $755,000 $80,000 $340,000
Loan Purchased By The Institution 58 $17,290,000 $298,000 $755,000 $120,000 $197,000
Application Withdrawn By Applicant 55 $12,745,000 $231,000 $725,000 $95,000 $274,000
File Closed For Incompleteness 41 $5,785,000 $141,000 $355,000 $81,000 $300,000
Application Approved But Not Accepted 13 $2,065,000 $158,000 $355,000 $93,000 $278,000
Preapproval Approved but not Accepted 1 $725,000 $725,000 $725,000 $244,000 $244,000
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 401 $87,045,000 $217,000 $755,000 $96,000 $586,000
Debt-To-Income Ratio 37 $4,715,000 $127,000 $475,000 $85,000 $267,000
Credit History 30 $3,330,000 $111,000 $495,000 $69,000 $148,000
Unverifiable Information 11 $2,065,000 $187,000 $275,000 $81,000 $168,000
Collateral 10 $1,360,000 $136,000 $335,000 $75,000 $150,000
Other 9 $1,255,000 $139,000 $315,000 $125,000 $340,000
Credit Application Incomplete 6 $1,630,000 $271,000 $755,000 $115,000 $276,000
Employment History 1 $255,000 $255,000 $255,000 $21,000 $21,000
Insufficient Cash (Downpayment, Closing Cost) 1 $365,000 $365,000 $365,000 $104,000 $104,000
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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