Essex County, VA Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 517 mortgage applications in Essex County, VA totaling $79.2 million, down 9% from 2010. The average application was for $153,000, and applicants reported an average income of $84,000. 40% of applications resulted in an originated loan and 23% were denied. The most active lender was Wells Fargo Bank NA, with 71 applications, followed by Vanderbilt Mortgage and Finance, Inc and Essex Bank.
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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 | 517 |
| Total Mortgage Loan Application Amount | $79,161,000 |
| Average Mortgage Loan Application Amount | $153,000 |
| Highest Mortgage Loan Application Amount | $1,370,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $1,821,000 |
* 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 | 71 | $ 13,282,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 43 | $ 3,570,000 |
| Essex Bank 9954 MAYLAND DRIVE SUITE 2100 RICHMOND, VA 23233 |
* | $ 1,114,724,000 | 27 | $ 2,421,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 26 | $ 4,472,000 |
| Evb PO BOX 1455 TAPPAHANNOCK, VA 22560 |
* | $ 1,119,161,000 | 21 | $ 2,627,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 21 | $ 2,571,000 |
| Union Mortgage Group, Inc. 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 3,804,090,000 | 17 | $ 2,630,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 17 | $ 3,537,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 16 | $ 2,998,000 |
| Union Bank & Trust 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 3,804,090,000 | 16 | $ 2,186,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 13 | $ 2,263,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 2,094,079,000 | 11 | $ 827,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 10 | $ 1,626,000 |
| Southern Trust Mortgage LLC 4433 CORPORATION LANE, SUITE 300 VIRGINIA BEACH, VA 23462 |
* | $ 935,253,000 | 10 | $ 1,479,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 10 | $ 1,409,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 1,048,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ 189,567,000 | 7 | $ 1,221,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 7 | $ 1,048,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 7 | $ 1,381,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 7 | $ 1,375,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 7 | $ 1,375,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 6 | $ 507,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 770,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 774,000 |
| Village Bank Mortgage 13305 MIDLOTHIAN TURNPIKE MIDLOTHIAN, VA 23113 |
* | $ 300,960,000 | 5 | $ 775,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 4 | $ 576,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 4 | $ 622,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 4 | $ 465,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 4 | $ 614,000 |
| Colonial Farm Credit Aca 7104 MECHANICSVILLE TURNPIKE MECHANICSVILLE, VA 23111 |
* | $ 10,000,000 | 4 | $ 693,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 4 | $ 624,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 4 | $ 764,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 4 | $ 585,000 |
| Peoples Community Bank PO BOX 306 MONTROSS, VA 22520 |
* | $ 129,769,000 | 4 | $ 544,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 931,141,000 | 3 | $ 417,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 3 | $ 1,291,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 692,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 523,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 3 | $ 238,000 |
| Provident Funding Group Inc 851 TRAEGER AVENUE, SUITE 100 SAN BRUNO, CA 94066 |
* | $ 2,200,000,000 | 2 | $ 249,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ 710,000 | 2 | $ 323,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ 16,280,000 | 2 | $ 540,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 2 | $ 146,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 272,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ 10,000,000 | 2 | $ 370,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,465,208,000 | 2 | $ 467,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 2 | $ 404,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,104,501,000 | 2 | $ 474,000 |
| Capital One NA 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 70,506,963,000 | 2 | $ 269,000 |
| Presidential Bank, FSB 4600 EAST WEST HIGHWAY, SUITE 400 BETHESDA, MD 20814 |
* | $ 608,886,000 | 2 | $ 321,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 1 | $ 118,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 1 | $ 153,000 |
| Prosperity Mortgage Company 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,788,563,000 | 1 | $ 200,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 1 | $ 25,000 |
| First Century Bank, National Association 807 DORSEY ST GAINESVILLE, GA 30501 |
* | $ 72,051,000 | 1 | $ 417,000 |
| Fulton Bank, National Association ONE PENN SQUARE LANCASTER, PA 17602 |
* | $ 8,800,692,000 | 1 | $ 199,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 457,501,000 | 1 | $ 126,000 |
| The Bank of Maine 2 CANAL PLAZA PORTLAND, ME 04101 |
* | $ 857,397,000 | 1 | $ 100,000 |
| Citizens and Farmers Bank 415 14TH STREET WEST POINT, VA 23181 |
* | $ 900,492,000 | 1 | $ 88,000 |
| Village Bank and Trust Financial Corp. P. O. BOX 330 MIDLOTHIAN, VA 23113 |
* | $ 588,148,000 | 1 | $ 150,000 |
| First Choice Bank 669 WHITEHEAD ROAD LAWRENCEVILLE, NJ 08648 |
* | $ 448,171,000 | 1 | $ 137,000 |
| Stellarone Bank 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 2,923,419,000 | 1 | $ 120,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 165,800,581,000 | 1 | $ 5,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 1 | $ 108,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 1 | $ 232,000 |
| Merrill Lynch Credit Corp 30930 RUSSELL RANCH RD CA6-916-01-14 WESTLAKE VILLAGE, CA 91362 |
* | $ 2,223,299,000 | 1 | $ 162,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 1 | $ 109,000 |
| Mvb Mortgage Corporation 24400 NORTHWESTERN HIGHWAY, SUITE 200 SOUTHFIELD, MI 48075 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ 100,000,000 | 1 | $ 323,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 279,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 161,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 228,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 369,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 112,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ 10,000,000 | 1 | $ 156,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 269,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 140,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ 8,226,000 | 1 | $ 206,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 1 | $ 83,000 |
| Sterling Natl Mtge Co., Inc 98 CUTTERMILL RD GREAT NECK, NY 11021 |
* | $ 964,388,000 | 1 | $ 83,000 |
| Christensen Financial, Inc. 860 N SR 434 ALTAMONTE SPRINGS, FL 32714 |
* | $ 10,000,000 | 1 | $ 166,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 204,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 218,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 205,000 |
| Atlantic Pacific Mortgage Corporation 302 FELLOWSHIP ROAD, SUITE 110 MT. LAUREL, NJ 08054 |
* | $ 10,000,000 | 1 | $ 332,000 |
| Benchmark Mortgage, Inc 4413 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Poli Mortgage Group, Inc. 780 DEDHAM STREET CANTON, MA 02021 |
* | $ 7,525,858,000 | 1 | $ 113,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 110,000 |
| Baylands Federal Credit Union P O BOX 392, 2004 MAIN STREET WEST POINT, VA 23181 |
* | $ 76,668,000 | 1 | $ 144,000 |
| Belvoir Federal Credit Union 14040 CENTRAL LOOP WOODBRIDGE, VA 22193 |
* | $ 269,156,000 | 1 | $ 225,000 |
| Topside Federal Credit Union PO BOX 519 DAHLGREN, VA 22448 |
* | $ 269,050,000 | 1 | $ 85,000 |
| Henrico Federal Credit Union 9401 WEST BROAD ST HENRICO, VA 23294 |
* | $ 114,465,000 | 1 | $ 126,000 |
| Municipal Employees Credit Union ONE SOUTH STREET BALTIMORE, MD 21202 |
* | $ 1,080,872,000 | 1 | $ 175,000 |
The tables below break down 2011 mortgage applications in Essex 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 Essex 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 | 301 | $54,102,000 | $179,000 | $1,370,000 | $82,000 | $1,127,000 |
| Home Purchase | 174 | $22,590,000 | $129,000 | $472,000 | $92,000 | $1,821,000 |
| Home Improvement | 42 | $2,469,000 | $58,000 | $397,000 | $65,000 | $241,000 |
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 | 300 | $47,780,000 | $159,000 | $675,000 | $103,000 | $1,821,000 |
| Black or African American | 94 | $10,531,000 | $112,000 | $273,000 | $53,000 | $204,000 |
| Not Provided | 70 | $11,234,000 | $160,000 | $397,000 | $78,000 | $696,000 |
| Not applicable | 44 | $8,982,000 | $204,000 | $1,370,000 | $34,000 | $538,000 |
| American Indian or Alaskan Native | 5 | $373,000 | $74,000 | $150,000 | $60,000 | $126,000 |
| Hispanic | 3 | $144,000 | $48,000 | $70,000 | $123,000 | $298,000 |
| Asian | 1 | $117,000 | $117,000 | $117,000 | $111,000 | $111,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 383 | $57,907,000 | $151,000 | $1,370,000 | $98,000 | $1,821,000 |
| FHA-insured (Federal Housing Administration) | 102 | $15,632,000 | $153,000 | $332,000 | $41,000 | $221,000 |
| VA-guaranteed (Veterans Administration) | 23 | $4,677,000 | $203,000 | $368,000 | $68,000 | $180,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $945,000 | $105,000 | $166,000 | $38,000 | $44,000 |
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 | 208 | $34,469,000 | $165,000 | $1,370,000 | $111,000 | $1,821,000 |
| Application Denied By Financial Institution | 120 | $16,613,000 | $138,000 | $675,000 | $58,000 | $362,000 |
| Loan Purchased By The Institution | 87 | $14,104,000 | $162,000 | $397,000 | $56,000 | $538,000 |
| Application Withdrawn By Applicant | 49 | $7,447,000 | $151,000 | $408,000 | $98,000 | $696,000 |
| Application Approved But Not Accepted | 36 | $3,783,000 | $105,000 | $417,000 | $68,000 | $294,000 |
| File Closed For Incompleteness | 17 | $2,745,000 | $161,000 | $288,000 | $76,000 | $298,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 28 | $4,406,000 | $157,000 | $675,000 | $51,000 | $204,000 |
| Credit History | 21 | $2,117,000 | $100,000 | $379,000 | $64,000 | $362,000 |
| Collateral | 17 | $3,126,000 | $183,000 | $369,000 | $90,000 | $273,000 |
| Other | 8 | $1,582,000 | $197,000 | $540,000 | $71,000 | $150,000 |
| Credit Application Incomplete | 4 | $561,000 | $140,000 | $205,000 | $98,000 | $302,000 |
| Unverifiable Information | 2 | $312,000 | $156,000 | $175,000 | $45,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $260,000 | $130,000 | $188,000 | $31,000 | $41,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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