Emporia City, VA Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 106 mortgage applications in Emporia City, VA totaling $9.7 million, down 12% from 2017. The average application was for $91,000, and applicants reported an average income of $49,000. 41% of applications resulted in an originated loan and 26% were denied. The most active lender was Truist Bank, with 14 applications, followed by Virginia Federal Credit Union and Tidewater Home Funding, 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 | 106 |
| Total Mortgage Loan Application Amount | $9,660,000 |
| Average Mortgage Loan Application Amount | $91,000 |
| Highest Mortgage Loan Application Amount | $255,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $184,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 14 | $ 890,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 3,490,133,000 | 10 | $ 550,000 |
| Tidewater Home Funding, LLC 1108 EDEN WAY CHESAPEAKE, VA 23320 |
* | $ -1,000 | 6 | $ 840,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 5 | $ 405,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 34,346,930,000 | 4 | $ 210,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 4 | $ 340,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 3 | $ 405,000 |
| Benchmark Community Bank P O BOX 569 KENBRIDGE, VA 23944 |
* | $ 595,226,000 | 3 | $ 205,000 |
| Langley Federal Credit Union 721 LAKEFRONT COMMONS, SUITE 102 NEWPORT NEWS, VA 23606 |
* | $ 2,518,797,000 | 3 | $ 445,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 3 | $ 75,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 315,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,380,304,000 | 3 | $ 275,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ -1,000 | 2 | $ 70,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 330,000 |
| Dominion Capital Mortgage, Inc. 3900 WESTERRE PARKWAY SUITE 100 RICHMOND, VA 23233 |
* | $ -1,000 | 2 | $ 200,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 2 | $ 70,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 280,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 290,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 180,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 75,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 95,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 125,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 185,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 165,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 201,637,519,000 | 1 | $ 85,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 15,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 125,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 1 | $ 105,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ -1,000 | 1 | $ 65,000 |
| Intelliloan, Inc. 4 PARK PLAZA SUITE 800 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 85,000 |
| First Reliance Bank 2170 W PALMETTO ST FLORENCE, SC 29501 |
* | $ 456,924,000 | 1 | $ 155,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 105,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 45,000 |
| Southern Trust Mortgage, LLC 4433 CORPORATION LANE SUITE 300 VIRGINIA BEACH, VA 23462 |
* | $ -1,000 | 1 | $ 105,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 95,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 15,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 55,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 135,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 155,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 95,000 |
| Southern Bank and Trust Company PO BOX 729 MOUNT OLIVE, NC 28365 |
* | $ 2,580,152,000 | 1 | $ 45,000 |
| Tidewater Mortgage Services, Inc 200 GOLDEN OAK COURT STE. 100 VIRGINIA BEACH, VA 26452 |
* | $ -1,000 | 1 | $ 105,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 65,000 |
The tables below break down 2018 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 2018
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 | 48 | $4,940,000 | $102,000 | $255,000 | $49,000 | $92,000 |
| Cash-out Refinancing | 21 | $2,205,000 | $105,000 | $195,000 | $41,000 | $112,000 |
| Refinancing | 18 | $1,600,000 | $88,000 | $225,000 | $68,000 | $184,000 |
| Home Improvement | 12 | $500,000 | $41,000 | $75,000 | $44,000 | $92,000 |
| Other Purpose | 6 | $320,000 | $53,000 | $105,000 | $33,000 | $42,000 |
| Not Applicable | 1 | $95,000 | $95,000 | $95,000 | $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 | 39 | $3,325,000 | $85,000 | $215,000 | $52,000 | $113,000 |
| Black or African American | 37 | $3,155,000 | $85,000 | $195,000 | $44,000 | $92,000 |
| Not Provided | 16 | $1,840,000 | $115,000 | $255,000 | $55,000 | $184,000 |
| Not applicable | 12 | $1,250,000 | $104,000 | $185,000 | $29,000 | $29,000 |
| Hispanic | 2 | $90,000 | $45,000 | $45,000 | $33,000 | $38,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 60 | $4,340,000 | $72,000 | $225,000 | $53,000 | $184,000 |
| FHA-insured (Federal Housing Administration) | 26 | $2,750,000 | $105,000 | $255,000 | $35,000 | $78,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,510,000 | $125,000 | $195,000 | $61,000 | $94,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,060,000 | $132,000 | $185,000 | $52,000 | $65,000 |
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 | 43 | $3,695,000 | $85,000 | $205,000 | $51,000 | $113,000 |
| Application Denied By Financial Institution | 28 | $2,370,000 | $84,000 | $215,000 | $43,000 | $92,000 |
| Application Withdrawn By Applicant | 12 | $1,230,000 | $102,000 | $255,000 | $51,000 | $184,000 |
| File Closed For Incompleteness | 11 | $965,000 | $87,000 | $195,000 | $60,000 | $104,000 |
| Loan Purchased By The Institution | 9 | $1,045,000 | $116,000 | $185,000 | $29,000 | $29,000 |
| Application Approved But Not Accepted | 3 | $355,000 | $118,000 | $165,000 | $32,000 | $55,000 |
| 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 | 75 | $7,085,000 | $94,000 | $255,000 | $51,000 | $184,000 |
| Credit History | 11 | $655,000 | $59,000 | $185,000 | $37,000 | $92,000 |
| Debt-To-Income Ratio | 10 | $850,000 | $85,000 | $175,000 | $34,000 | $48,000 |
| Other | 3 | $195,000 | $65,000 | $115,000 | $66,000 | $74,000 |
| Collateral | 3 | $405,000 | $135,000 | $215,000 | $56,000 | $92,000 |
| Credit Application Incomplete | 3 | $405,000 | $135,000 | $185,000 | $41,000 | $61,000 |
| Unverifiable Information | 1 | $65,000 | $65,000 | $65,000 | $59,000 | $59,000 |
| 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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