James City County, VA Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 4,922 mortgage applications in James City County, VA totaling $1.5 billion, down 47% from 2021. The average application was for $298,000, and applicants reported an average income of $135,000. 56% of applications resulted in an originated loan and 11% were denied. The most active lender was PennyMac Loan Services LLC, with 225 applications, followed by Navy Federal Credit Union and Atlantic Bay Mortgage Group.

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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 4,922
Total Mortgage Loan Application Amount $1,471,140,000
Average Mortgage Loan Application Amount $298,000
Highest Mortgage Loan Application Amount $3,005,000
Average Applicant Income $135,000
Highest Applicant Income $1,776,000

Mortgage Company List for Lending in James City County, VA for 2022

* 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
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 225 $ 87,285,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 204 $ 55,360,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 202 $ 67,860,000
Langley Federal Credit Union
721 LAKEFRONT COMMONS, SUITE 102
NEWPORT NEWS, VA 23606
* $ 4,195,308,000 189 $ 28,755,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 174 $ 32,580,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 159 $ 53,945,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 141 $ 42,055,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 137 $ 25,495,000
1st Advantage Federal Credit U
110 CYBERNETICS WAY
YORKTOWN, VA 23693
* $ 927,339,000 128 $ 13,240,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 126 $ 46,990,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ 16,361,399,000 118 $ 46,670,000
Bayport Credit Union
2107 HARTFORD RD, SUITE B
NEWPORT NEWS, VA 23606
* $ 2,278,711,000 112 $ 14,220,000
Lennar Mortgage, LLC
5505 WATERFORD DISTRICT DRIVE SUITE 505
MIAMI, FL 33126
* $ -1,000 98 $ 32,360,000
NVR Mortgage Finance, Inc.

PITTSBURGH, PA 15276
* $ -1,000 97 $ 44,835,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 94 $ 35,340,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 84 $ 27,000,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 23,754,594,000 79 $ 28,185,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 74 $ 23,700,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 65 $ 25,005,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 64 $ 23,840,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 63 $ 17,415,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ -1,000 62 $ 19,100,000
Citizens and Farmers Bank
415 14TH STREET
WEST POINT, VA 23181
* $ 2,238,851,000 59 $ 9,055,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 57 $ 18,615,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 55 $ 22,405,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 55 $ 18,995,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 54 $ 18,140,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ -1,000 51 $ 17,925,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 46 $ 3,330,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 45 $ 6,395,000
Fulton Bank, National Association
ONE PENN SQUARE
LANCASTER, PA 17602
* $ 25,647,791,000 44 $ 23,110,000
Atlantic Union Bank
1051 EAST CARY STREET, SUITE 1200
GLEN ALLEN, VA 23060
* $ 20,000,309,000 43 $ 7,995,000
Cbm Mortgage, Inc.
912 HOMETOWN WAY
FRONT ROYAL, VA 22630
* $ -1,000 42 $ 11,490,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ -1,000 42 $ 14,250,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 41 $ 15,525,000
Towne Mortgage
3 COMMERCIAL PLACE STE 1440
NORFOLK, VA 23510
* $ -1,000 40 $ 14,130,000
Ovm Financial, Inc.
816 GREENBRIER CIRCLE SUITE 100
CHESAPEAKE, VA 23320
* $ -1,000 37 $ 13,305,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 37 $ 10,975,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 37 $ 11,625,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 36 $ 10,840,000
Chesapeake Bank
35 SCHOOL STREET, PO BOX 2256
KILMARNOCK, VA 22482
* $ 1,383,224,000 31 $ 7,465,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 31 $ 12,795,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 29 $ 10,815,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 26 $ 11,500,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 26 $ 4,000,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 26 $ 8,830,000
The Old Point National Bank of Phoebus
1 W MELLEN STREET
HAMPTON, VA 23669
* $ 1,330,067,000 23 $ 8,305,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 23 $ 1,395,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 23 $ 1,555,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 23 $ 7,805,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 23 $ 8,185,000
George Mason Mortgage, LLC
4100 MONUMENT CORNER DRIVE #100
PRINCE WILLIAM, VA 22030
* $ -1,000 22 $ 8,430,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 21 $ 5,835,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 21 $ 1,845,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 19 $ 5,155,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 17 $ 7,315,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 17 $ 4,435,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 14 $ 4,100,000
Newtowne Mortgage, LLC
600 22ND STREET SUITE 301
SUFFOLK, VA 23451
* $ -1,000 14 $ 5,120,000
Virginia Federal Credit Union
PO BOX 90010
RICHMOND, VA 23225
* $ 4,993,101,000 13 $ 2,525,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 13 $ 4,525,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 13 $ 3,675,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,177,145,000 13 $ 4,145,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 13 $ 3,485,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 13 $ 1,765,000
Tidewater Mortgage Services, Inc
200 GOLDEN OAK COURT STE. 100
VIRGINIA BEACH, VA 26452
* $ -1,000 12 $ 3,810,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ -1,000 12 $ 6,540,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ -1,000 11 $ 4,385,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 11 $ 4,555,000
Tidewater Home Funding, LLC
1108 EDEN WAY
CHESAPEAKE, VA 23320
* $ -1,000 11 $ 2,725,000
Garrett Mortgage LLC
11864 CANON BLVD STE 103
NEWPORT NEWS, VA 23606
* $ -1,000 11 $ 3,585,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 10 $ 4,210,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 10 $ 2,940,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 10 $ 3,280,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 10 $ 2,680,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 10 $ 3,780,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ 2,311,081,000 10 $ 1,250,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 10 $ 3,010,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 9 $ 2,735,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 9 $ 3,385,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 8 $ 2,200,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,669,227,000,000 8 $ 3,360,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 8 $ 2,750,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 420,502,000,000 8 $ 4,280,000
Atlantic Coast Mortgage, LLC
4100 MONUMENT CORNER DRIVE, SUITE 300
FAIRFAX, VA 22030
* $ -1,000 8 $ 4,510,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 8 $ 3,230,000
Southern Trust Mortgage, LLC
295 BENDIX ROAD SUITE 400
VIRGINIA BEACH, VA 23452
* $ -1,000 7 $ 3,485,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 7 $ 2,325,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 7 $ 1,145,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 7 $ 2,275,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 7 $ 2,235,000
United Bank VA

MORGANTOWN, WV 26505
* $ 29,289,723,000 7 $ 3,445,000
Southern Bank and Trust Company
PO BOX 729
MOUNT OLIVE, NC 28365
* $ 4,415,924,000 7 $ 1,385,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 6 $ 2,810,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,120,189,000 6 $ 1,470,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 6 $ 1,600,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 6 $ 1,160,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,046,473,000 6 $ 1,810,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 4,351,512,000 6 $ 1,300,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ -1,000 6 $ 2,200,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ -1,000 5 $ 1,605,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 5 $ 1,155,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 5 $ 2,035,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 5 $ 1,925,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,582,271,000 5 $ 1,715,000
First Heritage Mortgage, LLC
11325 RANDOM HILLS RD SUITE 600
FAIRFAX, VA 22031
* $ -1,000 5 $ 2,375,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 5 $ 2,025,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ -1,000 5 $ 1,525,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 5 $ 1,575,000
Blue Ridge Bank
P.O. BOX 609, 17 WEST MAIN ST
LURAY, VA 22835
* $ 2,640,347,000 5 $ 1,755,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 15,151,012,000 4 $ 240,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ 887,431,000 4 $ 2,120,000
Mortgage Network, Inc.
99 CONIFER HILL DR
DANVERS, MA 01923
* $ -1,000 4 $ 760,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 4 $ 1,170,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 4 $ 1,160,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 1,230,840,000 4 $ 1,960,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 4 $ 1,390,000
Rw Towne, LLC
3 COMMERCIAL PL STE 1410
NORFOLK, VA 23510
* $ -1,000 4 $ 1,230,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 4 $ 1,230,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 11,474,358,000 4 $ 360,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 39,468,318,000 4 $ 1,030,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 154,830,000,000 4 $ 1,690,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 423,958,417,000 4 $ 2,220,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 4 $ 1,210,000
Amnet Esop Corp dba American Mortgage Network
347 3RD AVE 2ND FLOOR
CHULA VISTA, CA 91910
* $ -1,000 4 $ 1,760,000
First Savings Mortgage Corporation
8444 WEST PARK DRIVE, THE 4TH FLOOR
MCLEAN, VA 22102
* $ -1,000 3 $ 1,125,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 3 $ 1,315,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 3 $ 1,055,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ -1,000 3 $ 1,105,000
Colonial Farm Credit Aca
7104 MECHANICSVILLE TURNPIKE
MECHANICSVILLE, VA 23111
* $ -1,000 3 $ 855,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ -1,000 3 $ 995,000
McLean Mortgage Corporation
11325 RANDOM HILLS RD. SUITE 400
FAIRFAX, VA 22030
* $ -1,000 3 $ 685,000
Abnb Federal Credit Union
830 GREENBRIER CIRCLE
CHESAPEAKE, VA 23320
* $ 777,834,000 3 $ 175,000
Self Help Credit Union
301 W MAIN STREET
DURHAM, NC 27702
* $ 1,341,481,000 3 $ 435,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ 10,312,436,000 3 $ 1,215,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 3 $ 1,185,000
Chartway FCU
5700 CLEVELAND STREET
VIRGINIA BEACH, VA 23462
* $ 2,533,187,000 3 $ 255,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 3 $ 1,805,000
Allegacy Federal Credit Union
P O BOX 26043
WINSTON SALEM, NC 27114
* $ 2,005,076,000 3 $ 695,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 3 $ 735,000
Amerant Mortgage LLC
226 N KENTUCKY AVE
LAKELAND, FL, FL 33801
* $ -1,000 3 $ 845,000
State Employees' Credit Union
P.O. DRAWER 25279
RALEIGH, NC 27611
* $ 51,653,025,000 3 $ 815,000
First Mortgage Solutions, LLC
9237 WARD PARKWAY, SUITE 300
KANSAS CITY, MO 64114
* $ -1,000 3 $ 1,395,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ 41,822,249,000 3 $ 1,445,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 3 $ 1,325,000
State Departmenet Federal Credit Union
1630 KING STREET
ALEXANDRIA, VA 22314
* $ 2,625,847,000 3 $ 515,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 2 $ 720,000
Fidelity Direct Mortgage, LLC
438 NORTH FREDERICK AVE SUITE 315
GAITHERSBURG, MD 20877
* $ -1,000 2 $ 470,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 8,802,432,000 2 $ 190,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 121,064,212,000 2 $ 1,340,000
Temple View Capital Funding LP
7550 WISCONSIN AVE STE 1000
BETHESDA, MD 20814
* $ -1,000 2 $ 360,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 2 $ 360,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 170,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 2 $ 650,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 2 $ 1,890,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,041,605,000 2 $ 400,000
Tower Federal Credit Union
7901 SANDY SPRING ROAD
LAUREL, MD 20707
* $ 4,068,592,000 2 $ 540,000
Dupont Community Credit Union
140 LUCY LANE
WAYNESBORO, VA 22980
* $ 1,766,137,000 2 $ 490,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 183,977,708,000 2 $ 950,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 350,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 2 $ 1,080,000
Lakeview Community Capital
4425 PONE DE LEON BLVD, MS 5-251
CORAL GABLES, FL 33146
* $ -1,000 2 $ 370,000
One American Bank
515 S MINNESOTA AVE
SIOUX FALLS, SD 57104
* $ 345,640,000 2 $ 730,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ -1,000 2 $ 400,000
Baylands Family Credit Union
PO BOX 392, 2004 MAIN STREET
WEST POINT, VA 23181
* $ 98,142,000 2 $ 240,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ -1,000 2 $ 460,000
Homespire Mortgage Corporation

FAIRFAX, VA 22031
* $ -1,000 2 $ 870,000
Amerant Bank, N.A.
220 ALHAMBRA CIRCLE
MIAMI, FL 33134
* $ 7,622,254,000 2 $ 500,000
Logix Federal Credit Union
2340 HOLLYWOOD WAY
VALENCIA, CA 91355
* $ 8,819,497,000 2 $ 640,000
Customers Bank
701 READING AVE
READING, PA 19611
* $ 19,555,791,000 2 $ 470,000
Dominion Energy Credit Union
PO BOX 26646
RICHMOND, VA 23225
* $ 394,943,000 2 $ 380,000
Bank Fund Staff Federal Credit
1725 I STREET NW SUITE 150
WASHINGTON, DC 20006
* $ 6,544,502,000 2 $ 520,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 2 $ 180,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 2 $ 940,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 2 $ 570,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ -1,000 2 $ 1,090,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 788,114,000 2 $ 860,000
Cake Mortgage Corp.
9200 OAKDALE AVE STE 501
CHATSWORTH, CA 91311
* $ -1,000 2 $ 810,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 589,632,000 2 $ 900,000
Plainscapital Bank
6565 HILLCREST AVE
DALLAS, TX 75205
* $ 15,019,689,000 2 $ 730,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 58,215,736,000 2 $ 240,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 6,088,183,000 2 $ 630,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ -1,000 2 $ 380,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 3,310,189,000 2 $ 330,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 2 $ 620,000
Arvest Bank

TULSA, OK 74103
* $ 26,774,219,000 2 $ 850,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ 20,248,406,000 2 $ 910,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 2 $ 530,000
Park Lane Finance Solutionsllc
1228 CEDARS CT STE 201
CHARLOTTESVILLE, VA 22903
* $ -1,000 2 $ 110,000
Nrl Federal Credit Union
5440 CHEROKEE AVE SUITE 200
ALEXANDRIA, VA 22312
* $ 562,307,000 2 $ 80,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ 3,779,449,000 2 $ 90,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 2 $ 590,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ -1,000 2 $ 430,000
Primis Bank
10900 NUCKOLS ROAD SUITE 325 GLEN ALLEN
GLEN ALLEN, VA 23060
* $ 3,402,518,000 2 $ 360,000
Village Bank Mortgage
13305 MIDLOTHIAN TURNPIKE
MIDLOTHIAN, VA 23113
* $ -1,000 2 $ 550,000
Apple Federal Credit Union
4029 RIDGE TOP RD
FAIRFAX, VA 22030
* $ 3,890,783,000 2 $ 280,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 2 $ 510,000
Aafmaa Mortgage Services LLC
2000 REGENCY PARKWAY SUITE 140
CARY, NC 27518
* $ -1,000 2 $ 440,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ -1,000 1 $ 105,000
Intelliloan, Inc.
4 PARK PLAZA SUITE 800
IRVINE, CA 92614
* $ -1,000 1 $ 75,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ -1,000 1 $ 325,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 2,136,862,000 1 $ 35,000
Hamilton Home Loans, Inc.
1551 SAWGRASS CORPORATE PARKWAY, STE 300
SUNRISE, FL 33323
* $ -1,000 1 $ 255,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 475,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 1 $ 285,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 1 $ 205,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ -1,000 1 $ 365,000
South Carolina Federal Credit
6265 RIVERS AVENUE
NORTH CHARLESTON, SC 29406
* $ 2,427,521,000 1 $ 205,000
Touchstone Bank

PRINCE GEORGE, VA 23875
* $ 580,910,000 1 $ 355,000
Integrity Home Mortgage Corporation
122 PILOT CIRCLE
WINCHESTER, VA 22602
* $ -1,000 1 $ 275,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 145,000
Visions Federal Credit Union
3301 COUNTRY CLUB ROAD
ENDICOTT, NY 13760
* $ 5,621,672,000 1 $ 25,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 1 $ 195,000
Lafayette Federal Credit Union
2701 TOWER OAKS BLVD.,
ROCKVILLE, MD 20852
* $ 1,280,811,000 1 $ 105,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ -1,000 1 $ 305,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 50,093,398,000 1 $ 375,000
Encompass Lending Group, L.P.
23108 SEVEN MEADOWS PKWY SUITE 100
KATY, TX 77494
* $ -1,000 1 $ 335,000
Franklin Mint Federal Credit Union
5 HILLMAN DRIVE
CHADDS FORD, PA 19317
* $ 1,620,099,000 1 $ 525,000
United Nations Federal CU
24-01 44TH ROAD 7TH FLOOR
LONG ISLAND CITY, NY 11101
* $ 7,541,726,000 1 $ 375,000
Credence Funding Corporation
1200 TECHNOLOGY DR SUITE A
ABERDEEN, MD 21001
* $ -1,000 1 $ 155,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ -1,000 1 $ 165,000
Hightechlending, Inc
2030 MAIN ST 350
IRVINE, CA 92614
* $ -1,000 1 $ 225,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 16,793,269,000 1 $ 275,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 1 $ 455,000
Federated Mortgage Corp
1301 GRANDVIEW AVE SUITE #100
PITTSBURGH, PA 15211
* $ -1,000 1 $ 515,000
Nasa Federal Credit Union
500 PRINCE GEORGE'S BLVD.
UPPER MARLBORO, MD 20774
* $ 3,646,771,000 1 $ 775,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ -1,000 1 $ 585,000
Bayfirst Financial
9190 SEMINOLE BLVD
SAINT PETERSBURG, FL 33701
* $ 917,272,000 1 $ 285,000
The Mortgage Link, Inc.
3 RESEARCH PL #100
ROCKVILLE, MD 20850
* $ -1,000 1 $ 365,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ -1,000 1 $ 185,000
Mid-Island Mortgage Corp.
900 MERCHANTS CONCOURSE, SUITE #112
WESTBURY, NY 11590
* $ -1,000 1 $ 285,000
Eastern Bank
125 HIGH ST
BOSTON, MA 02110
* $ 23,490,236,000 1 $ 405,000
Cfbank NA
4960 E DUBLIN GRANVILLE RD SUITE 400
COLUMBUS, OH 43081
* $ 1,487,525,000 1 $ 355,000
Christensen Financial, Inc.
860 N SR 434
ALTAMONTE SPRINGS, FL 32714
* $ -1,000 1 $ 535,000
Peoples Mortgage Company
2055 E CENTENNIAL CIRCLE
TEMPE, AZ 85284
* $ -1,000 1 $ 335,000
City National Bank of Florida
25 WEST FLAGLER STREET
MIAMI, FL 33131
* $ 21,920,313,000 1 $ 305,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 1 $ 645,000
Aurora Financial, LLC
8150 LEESBURG PIKE #410
VIENNA, VA 22182
* $ -1,000 1 $ 315,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 1 $ 195,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ -1,000 1 $ 205,000
Royal Pacific Funding
4000 MACARTHUR BLVD TOWER - 7TH
NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 195,000
University Credit Union
1500 S. SEPULVEDA BLVD.
LOS ANGELES, CA 90025
* $ 1,047,101,000 1 $ 255,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 4,206,869,000 1 $ 185,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 18,959,414,000 1 $ 745,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 125,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 15,742,039,000 1 $ 65,000
Towne First Mortgage, LLC
4501 COX RD #301
GLEN ALLEN, VA 23060
* $ -1,000 1 $ 195,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 166,652,719,000 1 $ 675,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ 9,023,056,000 1 $ 275,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 95,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 155,000
Towne Mtg of the Carolinas,Llc
4515 FALLS OF NEUSE RD, STE 300
RALEIGH, NC 27612
* $ -1,000 1 $ 635,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 125,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 1 $ 325,000
Paramount Bank
90 VILLAGE SQUARE SHOPPING CENTER
HAZELWOOD, MO 63042
* $ 153,010,000 1 $ 245,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ 1,164,122,000 1 $ 75,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 1 $ 345,000
Fay Servicing LLC

TAMPA, FL 33609
* $ -1,000 1 $ 265,000
City National Bank
555 S FLOWER ST
LOS ANGELES, CA 90071
* $ 93,227,302,000 1 $ 455,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ -1,000 1 $ 365,000
Trumark Financial Credit Union
335 COMMERCE DRIVE
FORT WASHINGTON, PA 19034
* $ 2,771,459,000 1 $ 185,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 1 $ 345,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ -1,000 1 $ 415,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 39,076,186,000 1 $ 925,000
Johnson Mortgage Company, L.L.C.
739 THIMBLE SHOALS BLVD. SUITE 507
NEWPORT NEWS, VA 23606
* $ -1,000 1 $ 455,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 370,967,000 1 $ 25,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 195,000
American Security Mortgage Cor
2101 REXFORD RD. SUITE 100E
CHARLOTTE, NC 28207
* $ -1,000 1 $ 505,000
Tyndall Federal Credit Union
3109 MINNESOTA AVE
PANAMA CITY, FL 32405
* $ 2,098,342,000 1 $ 35,000
Partners 1st Federal Credit Union
1330 DIRECTORS ROW
FORT WAYNE, IN 46808
* $ 515,326,000 1 $ 295,000
Space Coast Credit Union
8045 N. WICKHAM RD
MELBOURNE, FL 32940
* $ 6,746,005,000 1 $ 55,000
First Federal Bank of Kansas City

LENEXA, KS 66211
* $ 823,491,000 1 $ 455,000
Department of the Interior FCU
12201 SUNRISE VALLEY DR
WASHINGTON, DC 20240
* $ 258,009,000 1 $ 45,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ -1,000 1 $ 265,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 515,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 195,000
Coastal Nest Mortgage
1085 LOFTIS BLVD
NEWPORT NEWS, VA 23606
* $ -1,000 1 $ 205,000
Certainty Home Loans, LLC
6101 WEST PLANO PARKWAY
WILMINGTON, DE 75093
* $ -1,000 1 $ 495,000
Affinity Federal Credit Union
73 MOUNTAINVIEW BLVD.
BASKING RIDGE, NJ 07920
* $ 3,759,374,000 1 $ 85,000
First Home Mortgage
6211 GREENLEIGH AVENUE SUITE 300
BALTIMORE, MD 21220
* $ -1,000 1 $ 1,285,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ -1,000 1 $ 325,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ -1,000 1 $ 405,000
Educational Systems FCU
PO BOX 179
GREENBELT, MD 20768
* $ 1,242,694,000 1 $ 375,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 88,758,641,000 1 $ 255,000
Civic FCU
P.O. DRAWER 25279
RALEIGH, NC 27609
* $ 3,281,700,000 1 $ 55,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 1 $ 155,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 305,000
Pike Creek Mortgage Services, Inc.
2100 DRUMMOND PLAZA
NEWARK, DE 19711
* $ -1,000 1 $ 195,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 205,000
Rivamortgage LLC
804 OMNI BLVD SUITE 103
NEWPORT NEWS, VA 23606
* $ -1,000 1 $ 405,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 24,354,109,000 1 $ 225,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 1 $ 685,000
Utilities Employees Credit Union
11 MERIDIAN BLVD
WYOMISSING, PA 19610
* $ 1,413,912,000 1 $ 55,000
Angel Oak Home Loans LLC
3600 PEACHTREE ROAD NW, SUITE 500
ATLANTA, GA 30305
* $ -1,000 1 $ 265,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 2,287,872,000 1 $ 385,000
Gte Federal Credit Union
711 E HENDERSON AVENUE
TAMPA, FL 33602
* $ 2,797,870,000 1 $ 145,000
First Carolina Bank
171 N WINSTEAD AVE
ROCKY MOUNT, NC 27804
* $ 1,418,011,000 1 $ 555,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 225,000
State Employees Credit Union of MD
971 CORPORATE BLVD
LINTHICUM, MD 21090
* $ 4,778,940,000 1 $ 455,000
The Camden National Bank
2 ELM STREET
CAMDEN, ME 04843
* $ 5,481,237,000 1 $ 355,000
Ussfcu
2750 EISENHOWER AVENUE
ALEXANDRIA, VA 22314
* $ 1,214,719,000 1 $ 55,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 165,000
Prime Choice Funding Inc.
17852 17TH ST #107
TUSTIN, CA 92780
* $ -1,000 1 $ 795,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ 251,923,000 1 $ 495,000
Bank of Botetourt
19747 MAIN STREET
BUCHANAN, VA 24066
* $ 663,766,000 1 $ 265,000
Bank of the James
828 MAIN STREET
LYNCHBURG, VA 24504
* $ 977,506,000 1 $ 15,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ 3,390,640,000 1 $ 415,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ 15,432,095,000 1 $ 425,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 456,669,000 1 $ 275,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ -1,000 1 $ 145,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ 5,191,780,000 1 $ 225,000
First United Bank and Trust Company
PO BOX 130
DURANT, OK 74702
* $ 12,464,313,000 1 $ 455,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 385,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ -1,000 1 $ 205,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ 1,025,737,000 1 $ 65,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 405,000
Residential Home Funding Corp.
707 WESTCHESTER AVENUE, SUITE 305
WHITE PLAINS, NY 10604
* $ -1,000 1 $ 345,000

The tables below break down 2022 mortgage applications in James City 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 James City County, VA in 2022

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 2,540 $963,350,000 $379,000 $3,005,000 $144,000 $1,584,000
Cash-out Refinancing 884 $268,480,000 $303,000 $1,345,000 $111,000 $1,452,000
Refinancing 555 $144,615,000 $260,000 $1,045,000 $117,000 $1,510,000
Home Improvement 471 $43,295,000 $91,000 $755,000 $137,000 $1,243,000
Other Purpose 454 $48,510,000 $106,000 $695,000 $149,000 $1,776,000
Not Applicable 18 $2,890,000 $160,000 $505,000 $44,000 $44,000

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 2,871 $826,075,000 $287,000 $3,005,000 $135,000 $1,776,000
Not Provided 755 $225,905,000 $299,000 $1,605,000 $146,000 $1,600,000
Not applicable 564 $201,150,000 $356,000 $995,000 $161,000 $1,437,000
Black or African American 403 $121,895,000 $302,000 $1,295,000 $116,000 $717,000
Hispanic 181 $51,595,000 $285,000 $705,000 $117,000 $449,000
Asian 99 $29,995,000 $302,000 $965,000 $148,000 $651,000
American Indian or Alaskan Native 28 $9,190,000 $328,000 $975,000 $174,000 $1,512,000
Native Hawaiian or Other Pacific Islander 3 $955,000 $318,000 $445,000 $98,000 $118,000

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) 3,464 $910,680,000 $262,000 $3,005,000 $142,000 $1,776,000
VA-guaranteed (Veterans Administration) 1,063 $448,485,000 $421,000 $1,475,000 $124,000 $586,000
FHA-insured (Federal Housing Administration) 387 $109,725,000 $283,000 $495,000 $86,000 $287,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 8 $2,250,000 $281,000 $365,000 $90,000 $108,000

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 2,742 $817,510,000 $298,000 $2,095,000 $138,000 $1,600,000
Application Withdrawn By Applicant 750 $238,470,000 $317,000 $1,475,000 $136,000 $1,584,000
Loan Purchased By The Institution 591 $217,705,000 $368,000 $1,035,000 $159,000 $1,437,000
Application Denied By Financial Institution 547 $120,555,000 $220,000 $3,005,000 $119,000 $1,776,000
File Closed For Incompleteness 198 $53,360,000 $269,000 $815,000 $116,000 $547,000
Application Approved But Not Accepted 91 $22,595,000 $248,000 $715,000 $142,000 $800,000
Preapproval Approved but not Accepted 2 $660,000 $330,000 $395,000 $104,000 $134,000
Preapproval Denied by Financial Institution 1 $285,000 $285,000 $285,000 $75,000 $75,000

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 4,366 $1,347,940,000 $308,000 $2,095,000 $137,000 $1,600,000
Credit History 167 $29,475,000 $176,000 $775,000 $130,000 $1,512,000
Debt-To-Income Ratio 157 $39,585,000 $252,000 $2,005,000 $78,000 $374,000
Collateral 72 $16,390,000 $227,000 $3,005,000 $156,000 $1,243,000
Credit Application Incomplete 71 $15,935,000 $224,000 $755,000 $150,000 $1,776,000
Other 46 $10,610,000 $230,000 $1,345,000 $120,000 $570,000
Unverifiable Information 28 $7,680,000 $274,000 $775,000 $126,000 $675,000
Insufficient Cash (Downpayment, Closing Cost) 9 $2,095,000 $232,000 $435,000 $70,000 $115,000
Employment History 6 $1,430,000 $238,000 $425,000 $75,000 $177,000
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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