James City County, VA Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 3,491 mortgage applications in James City County, VA totaling $1.1 billion, down 29% from 2022. The average application was for $302,000, and applicants reported an average income of $150,000. 54% of applications resulted in an originated loan and 13% were denied. The most active lender was Navy Federal Credit Union, with 212 applications, followed by PennyMac Loan Services LLC and 1st Advantage Federal Credit U.

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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 3,491
Total Mortgage Loan Application Amount $1,057,440,000
Average Mortgage Loan Application Amount $302,000
Highest Mortgage Loan Application Amount $52,655,000
Average Applicant Income $150,000
Highest Applicant Income $3,324,000

Mortgage Company List for Lending in James City County, VA for 2023

* 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
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 212 $ 47,400,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 208 $ 76,890,000
1st Advantage Federal Credit U
110 CYBERNETICS WAY
YORKTOWN, VA 23693
* $ 940,188,000 154 $ 16,800,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 149 $ 25,165,000
Langley Federal Credit Union
721 LAKEFRONT COMMONS, SUITE 102
NEWPORT NEWS, VA 23606
* $ 5,060,479,000 130 $ 12,280,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 121 $ 41,705,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 112 $ 20,440,000
Lennar Mortgage, LLC
5505 WATERFORD DISTRICT DRIVE SUITE 505
MIAMI, FL 33126
* $ -1,000 104 $ 38,960,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 97 $ 35,055,000
Bayport Credit Union
2107 HARTFORD RD, SUITE B
NEWPORT NEWS, VA 23606
* $ 2,286,817,000 92 $ 10,640,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ 15,845,722,000 91 $ 27,495,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 84 $ 28,390,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 70 $ 5,380,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 66 $ 22,020,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 65 $ 27,395,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 24,967,889,000 60 $ 22,550,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 57 $ 21,825,000
Citizens and Farmers Bank
415 14TH STREET
WEST POINT, VA 23181
* $ 2,312,638,000 53 $ 9,845,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 45 $ 13,495,000
NVR Mortgage Finance, Inc.

PITTSBURGH, PA 15276
* $ -1,000 44 $ 20,100,000
Towne Mortgage
3 COMMERCIAL PLACE STE 1440
NORFOLK, VA 23510
* $ -1,000 42 $ 14,640,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 42 $ 14,470,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 40 $ 2,020,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 39 $ 13,695,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ -1,000 39 $ 14,615,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 38 $ 15,050,000
Fulton Bank, National Association
ONE PENN SQUARE
LANCASTER, PA 17602
* $ 26,819,331,000 37 $ 15,615,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 35 $ 10,415,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ -1,000 34 $ 11,990,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 34 $ 6,390,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 32 $ 13,740,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 29 $ 8,355,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 29 $ 12,335,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 27 $ 7,835,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 27 $ 10,425,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 25 $ 11,385,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ -1,000 25 $ 11,855,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ -1,000 24 $ 14,530,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 23 $ 3,125,000
Atlantic Union Bank
1051 EAST CARY STREET, SUITE 1200
GLEN ALLEN, VA 23060
* $ 20,342,081,000 22 $ 4,440,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 21 $ 9,075,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 18 $ 7,760,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 18 $ 7,690,000
Chesapeake Bank
35 SCHOOL STREET, PO BOX 2256
KILMARNOCK, VA 22482
* $ 1,325,130,000 18 $ 4,420,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 17 $ 3,925,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 16 $ 6,520,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 16 $ 5,870,000
Virginia Federal Credit Union
PO BOX 90010
RICHMOND, VA 23225
* $ 5,086,461,000 16 $ 2,670,000
The Old Point National Bank of Phoebus
1 W MELLEN STREET
HAMPTON, VA 23669
* $ 1,347,151,000 15 $ 4,175,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 15 $ 6,385,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 15 $ 4,065,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 14 $ 6,100,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 14 $ 4,400,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 14 $ 1,180,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 13 $ 5,615,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 13 $ 3,335,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 209,664,000,000 11 $ 5,375,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 10 $ 3,070,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 16,117,865,000 9 $ 775,000
Tower Federal Credit Union
7901 SANDY SPRING ROAD
LAUREL, MD 20707
* $ 4,087,397,000 9 $ 1,415,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,054,618,000 9 $ 3,525,000
Southern Trust Mortgage, LLC
295 BENDIX ROAD SUITE 400
VIRGINIA BEACH, VA 23452
* $ -1,000 8 $ 3,480,000
Rw Towne, LLC
3 COMMERCIAL PL STE 1410
NORFOLK, VA 23510
* $ -1,000 8 $ 3,570,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 8 $ 3,080,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 8 $ 2,400,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 8 $ 2,770,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 7 $ 5,535,000
Garrett Mortgage LLC
11864 CANON BLVD STE 103
NEWPORT NEWS, VA 23606
* $ -1,000 7 $ 2,065,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 7 $ 1,215,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 200,262,969,000 7 $ 1,235,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 4,112,771,000 7 $ 1,585,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 7 $ 455,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 6 $ 2,020,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,517,837,000 6 $ 2,040,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,766,752,000,000 6 $ 2,250,000
Cbm Mortgage, Inc.
912 HOMETOWN WAY
FRONT ROYAL, VA 22630
* $ -1,000 6 $ 1,830,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 6 $ 1,490,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 5 $ 695,000
Tidewater Mortgage Services, Inc
200 GOLDEN OAK COURT STE. 100
VIRGINIA BEACH, VA 26452
* $ -1,000 5 $ 1,575,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ -1,000 5 $ 2,085,000
Tidewater Home Funding, LLC
1108 EDEN WAY
CHESAPEAKE, VA 23320
* $ -1,000 5 $ 1,605,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 5 $ 2,575,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,052,701,000 5 $ 2,025,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ 2,446,950,000 5 $ 285,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 386,799,237,000 5 $ 2,575,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ 11,417,843,000 5 $ 1,745,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ -1,000 4 $ 2,010,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 4 $ 1,060,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ 800,304,000 4 $ 1,950,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 43,726,588,000 4 $ 1,330,000
Baylands Family Credit Union
PO BOX 392, 2004 MAIN STREET
WEST POINT, VA 23181
* $ 92,783,000 4 $ 330,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 19,808,858,000 4 $ 260,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 4 $ 1,260,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ -1,000 4 $ 1,760,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 4 $ 760,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 4 $ 980,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 3 $ 1,385,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 14,304,653,000 3 $ 945,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ -1,000 3 $ 1,155,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 78,672,073,000 3 $ 1,855,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ -1,000 3 $ 1,405,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 1,208,483,000 3 $ 1,315,000
Newtowne Mortgage, LLC
600 22ND STREET SUITE 301
SUFFOLK, VA 23451
* $ -1,000 3 $ 765,000
Dominion Energy Credit Union
PO BOX 26646
RICHMOND, VA 23225
* $ 386,787,000 3 $ 165,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 3 $ 1,035,000
George Mason Mortgage, LLC
4100 MONUMENT CORNER DRIVE #100
PRINCE WILLIAM, VA 22030
* $ -1,000 3 $ 1,215,000
Primis Bank
10900 NUCKOLS ROAD SUITE 325 GLEN ALLEN
GLEN ALLEN, VA 23060
* $ 3,564,481,000 3 $ 455,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 3 $ 955,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ -1,000 3 $ 1,445,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ -1,000 3 $ 995,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 9,280,218,000 2 $ 150,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 2 $ 740,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 206,289,179,000 2 $ 470,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 2 $ 310,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 2 $ 510,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 18,739,008,000 2 $ 300,000
M Squared Financial LLC
7501 MISSION RD STE 200
PRAIRIE VILLAGE, KS 66208
* $ -1,000 2 $ 670,000
Village Bank Mortgage
13305 MIDLOTHIAN TURNPIKE
MIDLOTHIAN, VA 23113
* $ -1,000 2 $ 350,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 2,192,809,000 2 $ 210,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 400,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 2 $ 930,000
Homespire Mortgage Corporation

FAIRFAX, VA 22031
* $ -1,000 2 $ 390,000
Chartway FCU
5700 CLEVELAND STREET
VIRGINIA BEACH, VA 23462
* $ 2,622,526,000 2 $ 320,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ 19,309,880,000 2 $ 1,160,000
Park Lane Finance Solutionsllc
1228 CEDARS CT STE 201
CHARLOTTESVILLE, VA 22903
* $ -1,000 2 $ 110,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 2 $ 1,340,000
Atlantic Coast Mortgage, LLC
4100 MONUMENT CORNER DRIVE, SUITE 300
FAIRFAX, VA 22030
* $ -1,000 2 $ 790,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 850,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 2 $ 700,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ 389,402,000 2 $ 900,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 9,123,708,000 2 $ 1,040,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ 3,141,703,000 2 $ 50,000
Abnb Federal Credit Union
830 GREENBRIER CIRCLE
CHESAPEAKE, VA 23320
* $ 883,875,000 2 $ 80,000
Bronco Federal Credit Union
135 STEWART DR
FRANKLIN, VA 23851
* $ 252,108,000 2 $ 190,000
United Bank VA

MORGANTOWN, WV 26505
* $ 29,430,409,000 2 $ 1,250,000
State Employees' Credit Union
P.O. DRAWER 25279
RALEIGH, NC 27611
* $ 50,970,402,000 2 $ 520,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 450,910,000 2 $ 930,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 154,203,000,000 2 $ 690,000
My Mortgage, Inc
2191 DEFENSE HWY UNIT 304B
CROFTON, MD 21114
* $ -1,000 2 $ 1,130,000
First Heritage Mortgage, LLC
11325 RANDOM HILLS RD SUITE 600
FAIRFAX, VA 22031
* $ -1,000 2 $ 590,000
Ussfcu
2750 EISENHOWER AVENUE
ALEXANDRIA, VA 22314
* $ 1,261,724,000 2 $ 470,000
Blue Ridge Bank
P.O. BOX 609, 17 WEST MAIN ST
LURAY, VA 22835
* $ 3,098,582,000 2 $ 1,020,000
Jams-01 Inc dba Home Savings & Trust Mortgage
JAMS-01, INC. 3701 PENDER DRIVE #150
FAIRFAX, VA 22030
* $ -1,000 2 $ 1,080,000
Southern Bank and Trust Company
PO BOX 729
MOUNT OLIVE, NC 28365
* $ 4,592,140,000 2 $ 500,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 2 $ 530,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,401,730,000 2 $ 1,030,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ 5,172,623,000 2 $ 260,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ 270,427,000 2 $ 810,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 750,000
Usalliance Federal Credit Union
411 THEODORE FREMD AVE, SUITE 350
RYE, NY 10580
* $ 2,703,475,000 1 $ 55,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 1 $ 235,000
Meadowbrook Financial Mortgage Bankers Corp.
1600 STEWART AVE.; SUITE 701
WESTBURY, NY 11590
* $ -1,000 1 $ 205,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ -1,000 1 $ 275,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 335,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 187,590,465,000 1 $ 305,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 1 $ 105,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ 43,900,126,000 1 $ 155,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ -1,000 1 $ 185,000
Burke & Herbert Bk & Tr Co
100 S. FAIRFAX ST
ALEXANDRIA, VA 22315
* $ 3,563,307,000 1 $ 305,000
Shamrock Home Loans, Inc.
75 NEWMAN AVE
EAST PROVIDENCE, RI 02916
* $ -1,000 1 $ 225,000
Hometrust Bank
PO BOX 10
ASHEVILLE, NC 28802
* $ 3,646,842,000 1 $ 185,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 182,325,674,000 1 $ 545,000
Jll Real Estate Capital, LLC
2177 YOUNGMAN AVE W SUITE 300
ST. PAUL, MN 55116
* $ -1,000 1 $ n/a
United Nations Federal CU
24-01 44TH ROAD 7TH FLOOR
LONG ISLAND CITY, NY 11101
* $ 7,971,719,000 1 $ 465,000
First Home Mortgage
6211 GREENLEIGH AVENUE SUITE 300
BALTIMORE, MD 21220
* $ -1,000 1 $ 405,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 245,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ -1,000 1 $ 115,000
Watermark Capital, Inc.
100 SPECTRUM CENTER DR STE 150
IRVINE, CA 92618
* $ -1,000 1 $ 355,000
Hanscom Federal Credit Union
1610 EGLIN ST
HANSCOM AFB, MA 01731
* $ 1,906,886,000 1 $ 155,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 725,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 365,000
Dover Federal Credit Union
1075 SILVER LAKE BLVD
DOVER, DE 19904
* $ 641,715,000 1 $ 285,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ -1,000 1 $ 245,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 176,980,258,000 1 $ 445,000
American Heritage Federal Credit Union
2060 RED LION RD
PHILADELPHIA, PA 19115
* $ 4,485,714,000 1 $ 45,000
Grandbridge Real Estate Capital LLC
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ -1,000 1 $ 52,655,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ -1,000 1 $ 225,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ -1,000 1 $ 215,000
First Savings Mortgage Corporation
8444 WEST PARK DRIVE, THE 4TH FLOOR
MCLEAN, VA 22102
* $ -1,000 1 $ 455,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ -1,000 1 $ 955,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ -1,000 1 $ 325,000
Firstmark Credit Union
2023 GOLD CANYON DR.
SAN ANTONIO, TX 78232
* $ 1,228,904,000 1 $ 55,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 1 $ 235,000
Marine Federal Credit Union
4180 WESTERN BLVD
JACKSONVILLE, NC 28546
* $ 936,353,000 1 $ 345,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ -1,000 1 $ 235,000
Sandy Spring Bank
6831 BENJAMIN FRANKIN DRIVE
COLUMBIA, MD 21046
* $ 13,827,883,000 1 $ 615,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 365,000
Dupont Community Credit Union
140 LUCY LANE
WAYNESBORO, VA 22980
* $ 1,811,515,000 1 $ 405,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ -1,000 1 $ 625,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 120,987,397,000 1 $ 295,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 1 $ 375,000
First Bank and Trust Company
PO BOX 1000
ABINGDON, VA 24212
* $ 3,140,875,000 1 $ 125,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 625,000
Arlington Community FCU
PO BOX 40070
FALLS CHURCH, VA 22041
* $ 478,150,000 1 $ 305,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 295,000
Bay-Valley Mortgage Group
23320 FOOTHILL BLVD, SUITE 260
HAYWARD, CA 94541
* $ -1,000 1 $ 605,000
Kwik Mortgage Corporation
959 ROUTE 46 EAST, #401
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 325,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 1 $ 235,000
Liberty Savings Bank, FSB
3435 AIRBORNE RD, STE B
WILMINGTON, OH 45177
* $ 1,191,714,000 1 $ 25,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 395,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 7,677,655,000 1 $ 15,000
Virginia Partners Bank
410 WILLIAM STREET, P.O. BOX 8029
RICHMOND, VA 22401
* $ 639,849,000 1 $ 775,000
Mortgagecountry
725 W SKIPPACK PIKE SUITE 340A
BLUE BELL, PA 19422
* $ -1,000 1 $ 415,000
First Atlantic Federal Credit Union
468 INDUSTRIAL WAY WEST
EATONTOWN, NJ 07724
* $ 299,835,000 1 $ 145,000
Apple Federal Credit Union
4029 RIDGE TOP RD
FAIRFAX, VA 22030
* $ 4,163,201,000 1 $ 335,000
Signal Financial FCU
3015 UNIVERSITY BLVD., W
KENSINGTON, MD 20895
* $ 449,363,000 1 $ 55,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 285,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 8,422,113,000 1 $ 115,000
Bank of Hope
3200 WILSHIRE BLVD
LOS ANGELES, CA 90010
* $ 19,159,409,000 1 $ 455,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 605,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 16,894,686,000 1 $ 235,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 11,281,243,000 1 $ 35,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 205,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 225,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 348,731,000,000 1 $ 1,035,000
Call Federal
4605 COMMERCE ROAD
RICHMOND, VA 23234
* $ 522,342,000 1 $ 135,000
Ally Bank

CHARLOTTE, NC 28202
* $ 181,890,000,000 1 $ 255,000
Cazle Mortgage, Inc.
3 E HENRIETTA ST
BALTIMORE, MD 21220
* $ -1,000 1 $ 335,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 109,180,139,000 1 $ 1,505,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 607,423,000 1 $ 415,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 225,000
Civic FCU
P.O. DRAWER 25279
RALEIGH, NC 27609
* $ 3,862,063,000 1 $ 85,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 375,000
Nih Federal Credit Union
111 ROCKVILLE PIKE, SUITE 500
ROCKVILLE, MD 20850
* $ 838,423,000 1 $ 35,000
South Carolina Federal Credit
6265 RIVERS AVENUE
NORTH CHARLESTON, SC 29406
* $ 2,561,193,000 1 $ 385,000
Vantage West Credit Union
2480 N ARCADIA AVE
TUCSON, AZ 85712
* $ 2,676,136,000 1 $ 15,000
Logan Finance Corporation
1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE
HAUPPAUGE, NY 11788
* $ -1,000 1 $ 275,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 425,000
Princeton Mortgage Corporation
2482 PENNINGTON ROAD SUITE 1
EWING, NJ 08628
* $ -1,000 1 $ 345,000
State Departmenet Federal Credit Union
1630 KING STREET
ALEXANDRIA, VA 22314
* $ 2,739,271,000 1 $ 405,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ -1,000 1 $ 515,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ 6,668,165,000 1 $ 785,000
Lakeview Community Capital
4425 PONE DE LEON BLVD, MS 5-251
CORAL GABLES, FL 33146
* $ -1,000 1 $ 65,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ 41,842,515,000 1 $ 105,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ -1,000 1 $ 905,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 125,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,099,887,000 1 $ 885,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 95,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 1 $ 405,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ -1,000 1 $ 1,025,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 595,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 441,843,000 1 $ 395,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 46,490,438,000 1 $ 405,000
Founders Federal Credit Union
737 PLANTATION ROAD
LANCASTER, SC 29720
* $ 4,022,206,000 1 $ 475,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 1 $ 475,000
Archer Mortgage LLC
1100 LASKIN RD SERVICE RD SUITE 200
VIRGINIA BEACH, VA 23451
* $ -1,000 1 $ 275,000

The tables below break down 2023 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 2023

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 1,930 $756,070,000 $391,000 $3,005,000 $163,000 $2,388,000
Home Improvement 471 $45,345,000 $96,000 $525,000 $145,000 $1,773,000
Other Purpose 465 $43,715,000 $94,000 $1,255,000 $137,000 $2,344,000
Cash-out Refinancing 432 $119,640,000 $276,000 $1,135,000 $117,000 $377,000
Refinancing 185 $91,490,000 $497,000 $52,655,000 $158,000 $3,324,000
Not Applicable 8 $1,180,000 $147,000 $355,000 $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 2,048 $547,410,000 $267,000 $3,005,000 $151,000 $2,388,000
Not Provided 483 $137,035,000 $283,000 $1,555,000 $160,000 $3,324,000
Not applicable 433 $215,330,000 $498,000 $52,655,000 $138,000 $553,000
Black or African American 286 $81,750,000 $285,000 $1,515,000 $127,000 $1,180,000
Hispanic 128 $33,870,000 $264,000 $695,000 $127,000 $858,000
Asian 73 $24,495,000 $335,000 $1,055,000 $171,000 $700,000
American Indian or Alaskan Native 23 $7,025,000 $305,000 $735,000 $115,000 $291,000
Native Hawaiian or Other Pacific Islander 10 $9,110,000 $911,000 $3,005,000 $463,000 $1,891,000

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) 2,497 $641,490,000 $257,000 $52,655,000 $154,000 $2,388,000
VA-guaranteed (Veterans Administration) 683 $314,675,000 $460,000 $2,025,000 $148,000 $576,000
FHA-insured (Federal Housing Administration) 303 $98,505,000 $325,000 $585,000 $122,000 $3,324,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 8 $2,770,000 $346,000 $585,000 $87,000 $136,000

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 1,891 $600,540,000 $317,000 $52,655,000 $157,000 $2,388,000
Application Withdrawn By Applicant 479 $152,425,000 $318,000 $2,025,000 $150,000 $3,324,000
Application Denied By Financial Institution 440 $85,270,000 $193,000 $3,005,000 $121,000 $2,344,000
Loan Purchased By The Institution 428 $163,450,000 $381,000 $2,025,000 $152,000 $553,000
File Closed For Incompleteness 174 $37,350,000 $214,000 $915,000 $136,000 $858,000
Application Approved But Not Accepted 78 $18,320,000 $234,000 $995,000 $181,000 $1,773,000
Preapproval Approved but not Accepted 1 $85,000 $85,000 $85,000 $37,000 $37,000
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 3,042 $970,415,000 $319,000 $52,655,000 $155,000 $3,324,000
Debt-To-Income Ratio 174 $32,900,000 $189,000 $1,125,000 $89,000 $318,000
Credit History 104 $17,370,000 $167,000 $775,000 $125,000 $2,344,000
Credit Application Incomplete 52 $9,710,000 $186,000 $3,005,000 $161,000 $1,255,000
Other 50 $9,150,000 $183,000 $1,525,000 $136,000 $1,345,000
Collateral 48 $12,880,000 $268,000 $3,005,000 $198,000 $1,891,000
Unverifiable Information 11 $2,465,000 $224,000 $595,000 $113,000 $266,000
Employment History 7 $875,000 $125,000 $245,000 $96,000 $405,000
Insufficient Cash (Downpayment, Closing Cost) 3 $1,675,000 $558,000 $1,075,000 $79,000 $137,000
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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