Emporia City, VA Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 232 mortgage applications in Emporia City, VA totaling $24.6 million, down 35% from 2007. The average application was for $105,000, and applicants reported an average income of $59,000. 40% of applications resulted in an originated loan and 32% were denied. The most active lender was Branch Banking and Trust Co, with 23 applications, followed by Countrywide Bank FSB and The Bank of Southside Virginia.
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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 | 232 |
| Total Mortgage Loan Application Amount | $24,558,000 |
| Average Mortgage Loan Application Amount | $105,000 |
| Highest Mortgage Loan Application Amount | $475,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $448,000 |
* 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 |
|---|---|---|---|---|
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 127,698,351,000 | 23 | $ 2,201,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 17 | $ 2,601,000 |
| The Bank of Southside Virginia P. O. BOX 40 CARSON, VA 23830 |
* | $ 461,036,000 | 15 | $ 1,461,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 12 | $ 1,045,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 10 | $ 881,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 10 | $ 1,325,000 |
| Gateway Bank & Trust 112 CORPORATE DR ELIZABETH CITY, NC 27909 |
* | $ 1,860,575,000 | 9 | $ 625,000 |
| First Community Bank, N. A. P O BOX 989 BLUEFIELD, VA 24605 |
* | $ 2,130,805,000 | 9 | $ 789,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 7 | $ 758,000 |
| Gateway Bank Mortgage, Inc. 901 E CAREY STREET, SUITE 1700 RICHMOND, VA 23219 |
* | $ 1,860,575,000 | 6 | $ 733,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 6 | $ 535,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 6 | $ 711,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 631,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 5 | $ 612,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 4 | $ 664,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 4 | $ 249,000 |
| Wells Fargo Fin'l Sys Virginia 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 4 | $ 418,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 4 | $ 249,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 3 | $ 286,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 3 | $ 210,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 3 | $ 320,000 |
| Weststar Mortgage, Inc. 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 3 | $ 425,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 594,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 337,000 |
| First-Citizens Bank & Trust Co 16 E ROWAN STREET RALEIGH, NC 27609 |
* | $ 13,601,662,000 | 3 | $ 203,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 3 | $ 415,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 653,269,000,000 | 3 | $ 83,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 2 | $ 363,000 |
| Premium Capital Funding LLC 125 JERICHO TPKE JERICHO, NY 11753 |
* | $ 10,000,000 | 2 | $ 228,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 291,000 |
| Gms Funding, LLC 824 MEETING STREET WEST COLUMBIA, SC 29169 |
* | $ 417,745,000 | 2 | $ 212,000 |
| New Republic Savings Bank 420 BECKER DRIVE ROANOKE RAPIDS, NC 27870 |
* | $ 56,349,000 | 2 | $ 195,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 2 | $ 184,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,970,989,000 | 1 | $ 34,000 |
| American Sterling Bank 535 S STERLING SUGAR CREEK, MO 64054 |
* | $ 272,321,000 | 1 | $ 117,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 1 | $ 127,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 1 | $ 12,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 1 | $ 172,000 |
| Citizens Bank & Trust Co. 126 SOUTH MAIN ST. BLACKSTONE, VA 23824 |
* | $ 283,160,000 | 1 | $ 101,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 1 | $ 90,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 92,000 |
| Ameritrust Mortgage Inc. 11016 RUSHMORE DRIVE, SUITE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 1 | $ 102,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 157,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 73,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 102,000 |
| Southern Trust Mortgage LLC 4433 CORPORATION LANE, SUITE 300 VIRGINIA BEACH, VA 23462 |
* | $ 11,000,000 | 1 | $ 200,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 978,554,000 | 1 | $ 85,000 |
| Progressive Mortgage Company 125 S. FIFTH AVE. ANN ARBOR, MI 48104 |
* | $ 327,000,000 | 1 | $ 89,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 56,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 2,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 212,000 |
| Somerset Investors Corp. 290 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 41,000 |
| Ctx Mortgage Company, LLC 1603 LBJ FREEWAY FL 6 DALLAS, TX 75234 |
* | $ 31,000,000 | 1 | $ 160,000 |
| Mpoint Mortgage Services 1655 CROFTON BLVD, STE 301 CROFTON, MD 21114 |
* | $ 10,000,000 | 1 | $ 172,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 155,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 50,000 |
| Ideal Mortgage Bankers, Ltd 520 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 89,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 121,000 |
| Meridias Capital Incorporated P.O. BOX 241429 CHARLOTTE, NC 28273 |
* | $ 10,000,000 | 1 | $ 57,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 1 | $ 102,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 1 | $ 189,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 1 | $ 91,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 403,955,000 | 1 | $ 172,000 |
| Bronco Federal Credit Union 135 STEWART DR FRANKLIN, VA 23851 |
* | $ 180,446,000 | 1 | $ 12,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 1 | $ 26,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 16,047,364,000 | 1 | $ 90,000 |
The tables below break down 2008 mortgage applications in Emporia 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 Emporia City, VA in 2008
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 | 152 | $16,510,000 | $108,000 | $235,000 | $56,000 | $253,000 |
| Home Purchase | 64 | $7,192,000 | $112,000 | $475,000 | $57,000 | $448,000 |
| Home Improvement | 16 | $856,000 | $53,000 | $137,000 | $92,000 | $294,000 |
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 | 99 | $10,814,000 | $109,000 | $235,000 | $75,000 | $294,000 |
| Black or African American | 89 | $9,092,000 | $102,000 | $260,000 | $55,000 | $448,000 |
| Not applicable | 22 | $2,569,000 | $116,000 | $475,000 | $10,000 | $71,000 |
| Not Provided | 17 | $1,659,000 | $97,000 | $212,000 | $40,000 | $89,000 |
| Hispanic | 2 | $225,000 | $112,000 | $141,000 | $92,000 | $96,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $149,000 | $74,000 | $77,000 | $31,000 | $31,000 |
| American Indian or Alaskan Native | 1 | $50,000 | $50,000 | $50,000 | $224,000 | $224,000 |
| 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) | 162 | $15,423,000 | $95,000 | $475,000 | $64,000 | $448,000 |
| FHA-insured (Federal Housing Administration) | 61 | $7,863,000 | $128,000 | $213,000 | $44,000 | $114,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,115,000 | $159,000 | $260,000 | $74,000 | $141,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $157,000 | $78,000 | $87,000 | $43,000 | $52,000 |
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 | 93 | $9,662,000 | $103,000 | $475,000 | $72,000 | $448,000 |
| Application Denied By Financial Institution | 74 | $7,247,000 | $97,000 | $260,000 | $43,000 | $294,000 |
| Loan Purchased By The Institution | 34 | $4,439,000 | $130,000 | $209,000 | $47,000 | $120,000 |
| Application Withdrawn By Applicant | 14 | $1,521,000 | $108,000 | $212,000 | $73,000 | $224,000 |
| Application Approved But Not Accepted | 11 | $852,000 | $77,000 | $166,000 | $68,000 | $120,000 |
| File Closed For Incompleteness | 6 | $837,000 | $139,000 | $216,000 | $69,000 | $102,000 |
| 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 | 12 | $1,079,000 | $89,000 | $260,000 | $65,000 | $294,000 |
| Debt-To-Income Ratio | 8 | $979,000 | $122,000 | $193,000 | $26,000 | $69,000 |
| Collateral | 7 | $774,000 | $110,000 | $209,000 | $43,000 | $77,000 |
| Credit Application Incomplete | 4 | $471,000 | $117,000 | $170,000 | $41,000 | $72,000 |
| Other | 1 | $41,000 | $41,000 | $41,000 | $39,000 | $39,000 |
| Unverifiable Information | 1 | $117,000 | $117,000 | $117,000 | $13,000 | $13,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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