Franklin City, VA Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 355 mortgage applications in Franklin City, VA totaling $51.6 million, down 23% from 2009. The average application was for $145,000, and applicants reported an average income of $60,000. 55% of applications resulted in an originated loan and 19% were denied. The most active lender was Bronco Federal Credit Union, with 67 applications, followed by PHH Mortgage Corporation and Bank of America, N.A..
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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 | 355 |
| Total Mortgage Loan Application Amount | $51,644,000 |
| Average Mortgage Loan Application Amount | $145,000 |
| Highest Mortgage Loan Application Amount | $370,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $297,000 |
* 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 |
|---|---|---|---|---|
| Bronco Federal Credit Union 135 STEWART DR FRANKLIN, VA 23851 |
* | $ 204,978,000 | 67 | $ 7,998,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 56 | $ 8,998,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 33 | $ 5,046,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 25 | $ 3,892,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 16 | $ 2,543,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 14 | $ 1,505,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 13 | $ 1,465,000 |
| Townebank 5716 HIGH STREET WEST PORTSMOUTH, VA 23703 |
* | $ 3,606,457,000 | 9 | $ 1,278,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 8 | $ 986,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 7 | $ 782,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 924,000 |
| Evb Mortgage LLC 4433 CORPORATION LANE #300 VIRGINIA BEACH, VA 23462 |
* | $ 176,555,000 | 5 | $ 560,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 5 | $ 840,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 5 | $ 822,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ 10,000,000 | 5 | $ 950,000 |
| The Bank of Southside Virginia P. O. BOX 40 CARSON, VA 23830 |
* | $ 494,120,000 | 5 | $ 643,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 4 | $ 734,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 4 | $ 695,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 3 | $ 560,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 3 | $ 484,000 |
| Prosperity Mortgage Company 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,788,563,000 | 3 | $ 676,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 423,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 3 | $ 480,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 3 | $ 812,000 |
| Southern Trust Mortgage LLC 4433 CORPORATION LANE, SUITE 300 VIRGINIA BEACH, VA 23462 |
* | $ 935,253,000 | 3 | $ 497,000 |
| Weststar Mortgage, Inc. 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 2 | $ 235,000 |
| Monarch Bank 1435 CROSSWAYS BOULEVARD, SUITE 101 CHESAPEAKE, VA 23320 |
* | $ 689,665,000 | 2 | $ 507,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 338,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 2 | $ 342,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 13,969,885,000 | 2 | $ 364,000 |
| Carolina Bank PO BOX 10209 GREENSBORO, NC 27404 |
* | $ 696,719,000 | 2 | $ 375,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 164,340,844,000 | 2 | $ 80,000 |
| Evb PO BOX 1455 TAPPAHANNOCK, VA 22560 |
* | $ 1,126,189,000 | 1 | $ 68,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 19,574,613,000 | 1 | $ 225,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 1,941,835,000 | 1 | $ 260,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ 2,294,766,000 | 1 | $ 224,000 |
| Guaranty Bank, FSB 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,319,978,000 | 1 | $ 288,000 |
| First Community Bank, N. A. P O BOX 989 BLUEFIELD, VA 24605 |
* | $ 2,248,991,000 | 1 | $ 350,000 |
| Citizens National Bank P.O. BOX 100 WINDSOR, VA 23487 |
* | $ 47,517,000 | 1 | $ 57,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 1 | $ 1,000 |
| Community First Bank 3725 OLD COURT ROAD BALTIMORE, MD 21208 |
* | $ 57,149,000 | 1 | $ 149,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 1 | $ 71,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 1 | $ 103,000 |
| Langley Federal Credit Union 721 LAKEFRONT COMMONS, SUITE 102 NEWPORT NEWS, VA 23606 |
* | $ 1,673,602,000 | 1 | $ 137,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 1 | $ 75,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,161,361,000,000 | 1 | $ 15,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,506,113,000 | 1 | $ 156,000 |
| Andrews Federal Credit Union 5711 ALLENTOWN ROAD SUITLAND, MD 20746 |
* | $ 848,885,000 | 1 | $ 61,000 |
| Southfirst Bank 126 NORTH NORTON AVE SYLACAUGA, AL 35150 |
* | $ 130,418,000 | 1 | $ 122,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 186,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ 8,226,000 | 1 | $ 238,000 |
| Tidewater Mortgage Services, Inc 200 GOLDEN OAK COURT STE. 100 VIRGINIA BEACH, VA 26452 |
* | $ 100,000,000 | 1 | $ 138,000 |
| Myers Park Mortgage 141 PROVIDENCE RD CHARLOTTE, NC 28207 |
* | $ 10,000,000 | 1 | $ 44,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 40,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 110,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 130,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 1 | $ 214,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 71,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 59,000 |
| Gateway Bank Mortgage, Inc. 901 E CAREY STREET, SUITE 1700 RICHMOND, VA 23219 |
* | $ 2,649,511,000 | 1 | $ 168,000 |
| Shelter Mortgage Company, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 12,000,000 | 1 | $ 288,000 |
| Ameritrust Mortgage Inc. 11016 RUSHMORE DRIVE, SUITE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 290,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 127,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 1 | $ 135,000 |
The tables below break down 2010 mortgage applications in Franklin 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 Franklin City, VA in 2010
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 | 223 | $32,525,000 | $145,000 | $370,000 | $63,000 | $297,000 |
| Home Purchase | 108 | $17,705,000 | $163,000 | $350,000 | $55,000 | $186,000 |
| Home Improvement | 24 | $1,414,000 | $58,000 | $264,000 | $56,000 | $140,000 |
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 | 184 | $29,666,000 | $161,000 | $370,000 | $76,000 | $297,000 |
| Black or African American | 107 | $12,829,000 | $119,000 | $366,000 | $50,000 | $184,000 |
| Not Provided | 38 | $5,001,000 | $131,000 | $290,000 | $49,000 | $170,000 |
| Not applicable | 21 | $3,511,000 | $167,000 | $350,000 | $1,000 | $27,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $274,000 | $137,000 | $146,000 | $54,000 | $87,000 |
| Asian | 2 | $270,000 | $135,000 | $160,000 | $45,000 | $53,000 |
| Hispanic | 1 | $93,000 | $93,000 | $93,000 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 203 | $26,607,000 | $131,000 | $370,000 | $71,000 | $297,000 |
| FHA-insured (Federal Housing Administration) | 85 | $12,821,000 | $150,000 | $290,000 | $43,000 | $142,000 |
| VA-guaranteed (Veterans Administration) | 62 | $11,610,000 | $187,000 | $330,000 | $51,000 | $186,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $606,000 | $121,000 | $168,000 | $39,000 | $56,000 |
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 | 194 | $28,129,000 | $144,000 | $370,000 | $66,000 | $297,000 |
| Application Denied By Financial Institution | 69 | $8,981,000 | $130,000 | $366,000 | $62,000 | $287,000 |
| Loan Purchased By The Institution | 54 | $9,028,000 | $167,000 | $300,000 | $37,000 | $186,000 |
| Application Withdrawn By Applicant | 25 | $3,874,000 | $154,000 | $330,000 | $59,000 | $184,000 |
| Application Approved But Not Accepted | 12 | $1,505,000 | $125,000 | $232,000 | $60,000 | $104,000 |
| File Closed For Incompleteness | 1 | $127,000 | $127,000 | $127,000 | $0 | $0 |
| 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 | 21 | $1,806,000 | $86,000 | $182,000 | $48,000 | $139,000 |
| Collateral | 8 | $1,790,000 | $223,000 | $366,000 | $84,000 | $151,000 |
| Other | 8 | $1,159,000 | $144,000 | $350,000 | $48,000 | $150,000 |
| Credit Application Incomplete | 7 | $1,381,000 | $197,000 | $245,000 | $100,000 | $170,000 |
| Debt-To-Income Ratio | 6 | $709,000 | $118,000 | $210,000 | $47,000 | $60,000 |
| Employment History | 1 | $246,000 | $246,000 | $246,000 | $0 | $0 |
| Unverifiable Information | 1 | $47,000 | $47,000 | $47,000 | $287,000 | $287,000 |
| 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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