Lexington City, VA Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 260 mortgage applications in Lexington City, VA totaling $47.2 million, up 13% from 2008. The average application was for $181,000, and applicants reported an average income of $66,000. 49% of applications resulted in an originated loan and 12% were denied. The most active lender was Wells Fargo Bank, NA, with 46 applications, followed by Branch Banking and Trust Co and Stellarone 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 | 260 |
| Total Mortgage Loan Application Amount | $47,201,000 |
| Average Mortgage Loan Application Amount | $181,000 |
| Highest Mortgage Loan Application Amount | $750,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $343,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 46 | $ 8,140,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 21 | $ 3,012,000 |
| Stellarone Bank 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 2,933,064,000 | 19 | $ 3,667,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 17 | $ 3,605,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 17 | $ 3,454,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 16 | $ 3,439,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 8 | $ 1,910,000 |
| Sidus Financial, LLC 1905 TURNBURY DRIVE GREENVILLE, NC 27858 |
* | $ 10,000,000 | 7 | $ 1,373,000 |
| Bank of Botetourt 19747 MAIN STREET BUCHANAN, VA 24066 |
* | $ 294,986,000 | 7 | $ 1,188,000 |
| Coastal Mortgage Services, Inc 11230 CARMEL COMMONS BOULEVARD CHARLOTTE, NC 28226 |
* | $ 10,000,000 | 7 | $ 1,614,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 7 | $ 1,047,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 6 | $ 1,008,000 |
| Community Bank 38 N. CENTRAL AVE., PO BOX 1209 STAUNTON, VA 24401 |
* | $ 509,719,000 | 6 | $ 239,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 6 | $ 874,000 |
| First National Bk of the South P.O. BOX 3508 SPARTANBURG, SC 29304 |
* | $ 814,340,000 | 5 | $ 781,000 |
| Equitable Trust Mortgage Corpo 5024-G CAMPBELL BLVD. BALTIMORE, MD 21236 |
* | $ 10,000,000 | 5 | $ 699,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 5 | $ 997,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 4 | $ 1,059,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 12,942,945,000 | 4 | $ 1,375,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 635,476,000,000 | 3 | $ 436,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 3 | $ 730,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 189,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 185,098,787,000 | 3 | $ 210,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 3 | $ 313,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 82,416,721,000 | 2 | $ 495,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 2 | $ 260,000 |
| Carolina Bank PO BOX 10209 GREENSBORO, NC 27404 |
* | $ 616,230,000 | 2 | $ 549,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 390,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 236,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 473,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 164,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 1 | $ 236,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Gateway Bank Mortgage, Inc. 901 E CAREY STREET, SUITE 1700 RICHMOND, VA 23219 |
* | $ 2,212,813,000 | 1 | $ 125,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 1 | $ 120,000 |
| Townebank 5716 HIGH STREET WEST PORTSMOUTH, VA 23703 |
* | $ 3,133,589,000 | 1 | $ 164,000 |
| Essex Bank 9954 MAYLAND DRIVE SUITE 2100 RICHMOND, VA 23233 |
* | $ 1,029,202,000 | 1 | $ 12,000 |
| Dupont Community Credit Union 140 LUCY LANE WAYNESBORO, VA 22980 |
* | $ 650,724,000 | 1 | $ 57,000 |
| First Bank and Trust Company PO BOX 1000 ABINGDON, VA 24212 |
* | $ 998,546,000 | 1 | $ 175,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 1 | $ 259,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 25,365,108,000 | 1 | $ 212,000 |
| Southern Bank and Trust Company PO BOX 729 MOUNT OLIVE, NC 28365 |
* | $ 1,219,917,000 | 1 | $ 166,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 823,318,000 | 1 | $ 211,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 181,604,079,000 | 1 | $ 168,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 1 | $ 122,000 |
| Langley Federal Credit Union 721 LAKEFRONT COMMONS, SUITE 102 NEWPORT NEWS, VA 23606 |
* | $ 1,250,100,000 | 1 | $ 250,000 |
The tables below break down 2009 mortgage applications in Lexington 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 Lexington City, VA in 2009
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 | 188 | $37,372,000 | $198,000 | $750,000 | $68,000 | $330,000 |
| Home Purchase | 51 | $7,571,000 | $148,000 | $256,000 | $66,000 | $343,000 |
| Home Improvement | 21 | $2,258,000 | $107,000 | $275,000 | $53,000 | $125,000 |
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 | 192 | $35,447,000 | $184,000 | $750,000 | $74,000 | $343,000 |
| Not applicable | 36 | $6,411,000 | $178,000 | $444,000 | $33,000 | $180,000 |
| Not Provided | 14 | $2,773,000 | $198,000 | $617,000 | $67,000 | $148,000 |
| Black or African American | 11 | $1,101,000 | $100,000 | $174,000 | $48,000 | $90,000 |
| Hispanic | 4 | $805,000 | $201,000 | $267,000 | $52,000 | $73,000 |
| Asian | 3 | $664,000 | $221,000 | $242,000 | $27,000 | $81,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 213 | $39,272,000 | $184,000 | $750,000 | $72,000 | $330,000 |
| FHA-insured (Federal Housing Administration) | 28 | $4,720,000 | $168,000 | $404,000 | $52,000 | $343,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $2,421,000 | $172,000 | $226,000 | $37,000 | $49,000 |
| VA-guaranteed (Veterans Administration) | 5 | $788,000 | $157,000 | $211,000 | $0 | $0 |
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 | 128 | $23,229,000 | $181,000 | $750,000 | $72,000 | $343,000 |
| Loan Purchased By The Institution | 61 | $11,989,000 | $196,000 | $444,000 | $53,000 | $307,000 |
| Application Denied By Financial Institution | 30 | $4,083,000 | $136,000 | $402,000 | $51,000 | $155,000 |
| Application Withdrawn By Applicant | 24 | $5,382,000 | $224,000 | $617,000 | $66,000 | $148,000 |
| Application Approved But Not Accepted | 12 | $1,764,000 | $147,000 | $395,000 | $108,000 | $330,000 |
| File Closed For Incompleteness | 5 | $754,000 | $150,000 | $236,000 | $62,000 | $96,000 |
| 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 | 9 | $961,000 | $106,000 | $179,000 | $33,000 | $77,000 |
| Collateral | 9 | $1,555,000 | $172,000 | $402,000 | $74,000 | $155,000 |
| Credit Application Incomplete | 3 | $366,000 | $122,000 | $147,000 | $30,000 | $49,000 |
| Credit History | 2 | $209,000 | $104,000 | $206,000 | $75,000 | $88,000 |
| Other | 1 | $189,000 | $189,000 | $189,000 | $37,000 | $37,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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