Northampton County, VA Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 538 mortgage applications in Northampton County, VA totaling $108.4 million, down 2% from 2010. The average application was for $201,000, and applicants reported an average income of $120,000. 44% of applications resulted in an originated loan and 21% were denied. The most active lender was Bank of America NA, with 58 applications, followed by Wells Fargo Bank NA and Suntrust Mortgage, Inc..

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Total Number of Mortgage Applications 538
Total Mortgage Loan Application Amount $108,418,000
Average Mortgage Loan Application Amount $201,000
Highest Mortgage Loan Application Amount $4,000,000
Average Applicant Income $120,000
Highest Applicant Income $5,187,000

Mortgage Company List for Lending in Northampton County, VA for 2011

* 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
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 58 $ 15,311,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 51 $ 12,721,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 48 $ 8,742,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 41 $ 6,118,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 30 $ 4,161,000
Gateway Bank Mortgage, Inc.
901 E CAREY STREET, SUITE 1700
RICHMOND, VA 23219
* $ 2,579,350,000 24 $ 3,943,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 22 $ 4,376,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 15 $ 3,418,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 11 $ 2,062,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 11 $ 2,000,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 10 $ 1,843,000
1st Choice Mortgage/Equity Cor
1021 BRIARGATE CIRCLE
COLUMBIA, SC 29210
* $ 10,000,000 8 $ 1,300,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 7 $ 550,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 7 $ 652,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 7 $ 1,097,000
Monarch Bank
1435 CROSSWAYS BOULEVARD, SUITE 101
CHESAPEAKE, VA 23320
* $ 826,113,000 7 $ 2,987,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 7 $ 1,324,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ 3,871,028,000 6 $ 1,324,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 6 $ 1,226,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 6 $ 1,374,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 6 $ 1,428,000
Fulton Bank, National Association
ONE PENN SQUARE
LANCASTER, PA 17602
* $ 8,800,692,000 5 $ 1,492,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 165,800,581,000 5 $ 629,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 5 $ 1,047,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ 10,000,000 5 $ 967,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 5 $ 1,045,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 4 $ 1,060,000
1st Preference Mortgage Corp.
9423 BELAIR RD
BALTIMORE, MD 21236
* $ 1,000,000,000 4 $ 698,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 4 $ 727,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 4 $ 1,202,000
Shore Bank
PO BOX 920
ONLEY, VA 23418
* $ 330,233,000 3 $ 555,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 3 $ 397,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 3 $ 514,000
Horizon Farm Credit, Aca
45 AILERON CT.
MECHANICSBURG, PA 17050
* $ 10,000,000 3 $ 839,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 3 $ 728,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 3 $ 591,000
Provident Funding Group Inc
851 TRAEGER AVENUE, SUITE 100
SAN BRUNO, CA 94066
* $ 2,200,000,000 2 $ 487,000
Member Options LLC
1936 ARLINGTONG BLVD.
CHARLOTTESVILLE, VA 22903
* $ 32,364,000 2 $ 182,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 145,000
Potomac Mortgage Group Inc
4035 RIDGE TOP ROAD, #100
FAIRFAX, VA 22030
* $ 10,000,000 2 $ 412,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 2 $ 365,000
Myers Park Mortgage
141 PROVIDENCE RD
CHARLOTTE, NC 28207
* $ 10,000,000 2 $ 384,000
Merrill Lynch Credit Corp
30930 RUSSELL RANCH RD CA6-916-01-14
WESTLAKE VILLAGE, CA 91362
* $ 2,223,299,000 2 $ 584,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 2 $ 559,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 56,866,447,000 2 $ 418,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 2 $ 436,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 179,970,802,000 2 $ 253,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,465,208,000 1 $ 193,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 24,832,312,000 1 $ 118,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 1 $ 230,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 1 $ 535,000
Rbc Bank
131 NORTH CHURCH STREET
ROCKY MT., NC 27804
* $ 27,285,986,000 1 $ 328,000
Firstmerit Mortgage Corp
4455 HILLS AND DALES RD. NW - MTG80
CANTON, OH 44708
* $ 6,000,000,000 1 $ 280,000
Financial Freedom Acquist. LLC
1 BANTING
IRVINE, CA 92618
* $ 36,000,000,000 1 $ 201,000
Farmers & Merchants Bank
PO BOX 1111
TIMBERVILLE, VA 22853
* $ 535,507,000 1 $ 168,000
Customers Bank
99 BRIDGE STREET
PHOENIXVILLE, PA 19460
* $ 1,374,407,000 1 $ 48,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 1 $ 56,000
UBS Ag, Tampa Branch
3000 BAYPORT
TAMPA, FL 33607
* $ 1,400,000,000 1 $ 163,000
First Shore Federal Savings and Loan Association
PO BOX 4248
SALISBURY, MD 21801
* $ 334,909,000 1 $ 40,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ 608,886,000 1 $ 182,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 1 $ 61,000
Atlantic Coast Bank
505 HAINES AVE
WAYCROSS, GA 31501
* $ 828,612,000 1 $ 260,000
Ameriprise Bank, FSB
707 2ND AVENUE SOUTH
MINNEAPOLIS, MN 55474
* $ 3,862,039,000 1 $ 200,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 1 $ 99,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 100,000
Tidewater Mortgage Services, Inc
200 GOLDEN OAK COURT STE. 100
VIRGINIA BEACH, VA 26452
* $ 100,000,000 1 $ 125,000
Tidewater Home Funding, LLC
1108 EDEN WAY
CHESAPEAKE, VA 23320
* $ 10,000,000 1 $ 83,000
Dragas Mortgage Company
4532 BONNEY ROAD SUITE A
VIRGINIA BEACH, VA 23462
* $ 10,000,000 1 $ 650,000
Firstmerit Bank NA
III CASCADE PLAZA - CAS46
AKRON, OH 44308
* $ 14,328,404,000 1 $ 280,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 126,719,736,000 1 $ 485,000
First Savings Mortgage Corporation
8444 WEST PARK DRIVE, THE 4TH FLOOR
MCLEAN, VA 22102
* $ 10,000,000 1 $ 264,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 146,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 242,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ 10,000,000 1 $ 101,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 154,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 151,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 372,000
Member Advantage Mortgage
3330 BROADMOOR SE, SUITE B
GRAND RAPIDS, MI 49512
* $ 8,810,000 1 $ 88,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 1 $ 92,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 1 $ 205,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 272,000
Home Finance of America
521 PLYMOUTH ROAD, SUITE 112
PLYMOUTH MEETING, PA 19462
* $ 17,371,000 1 $ 100,000
Residential Finance Corp.
401 N. FRONT STREET, SUITE 300
COLUMBUS, OH 43215
* $ 17,533,484,000 1 $ 117,000
Everett Financial Inc.
14801 QUORUM DR SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 168,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 87,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ 10,000,000 1 $ 207,000
Main Street Home Loans LLC
4010 OLD MILTON PARKWAY
ALPHARETTA, GA 30005
* $ 11,000,000 1 $ 168,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ 10,000,000 1 $ 171,000
First Financial Services, Inc.
6230 FAIRVIEW RD, 450
CHARLOTTE, NC 28210
* $ 842,786,000 1 $ 148,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 1 $ 100,000
Southern Trust Mortgage LLC
4433 CORPORATION LANE, SUITE 300
VIRGINIA BEACH, VA 23462
* $ 935,253,000 1 $ 417,000
First Mariner Bank
3301 BOSTON STREET
BALTIMORE, MD 21224
* $ 1,311,651,000 1 $ 204,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ 189,567,000 1 $ 187,000
George Mason Mortgage LLC
4100 MONUMENT CORNER DRIVE #100
FAIRFAX, VA 22030
* $ 630,414,000 1 $ 265,000
Member One Federal Credit Union
P.O. BOX 12288
ROANOKE, VA 24024
* $ 539,998,000 1 $ 252,000
Nasa Federal Credit Union
500 PRINCE GEORGE'S BLVD.
UPPER MARLBORO, MD 20774
* $ 1,106,288,000 1 $ 60,000
Chartway FCU
5700 CLEVELAND STREET
VIRGINIA BEACH, VA 23462
* $ 1,767,919,000 1 $ 141,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ 2,163,220,000 1 $ 417,000
State Employees Credit Union of MD
971 CORPORATE BLVD
LINTHICUM, MD 21090
* $ 2,092,647,000 1 $ 35,000
Virginia Federal Credit Union
PO BOX 90010
RICHMOND, VA 23225
* $ 2,094,079,000 1 $ 86,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ 1,939,474,000 1 $ 96,000

The tables below break down 2011 mortgage applications in Northampton 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 Northampton 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 343 $77,208,000 $225,000 $4,000,000 $133,000 $5,187,000
Home Purchase 158 $28,482,000 $180,000 $803,000 $109,000 $1,137,000
Home Improvement 37 $2,728,000 $73,000 $395,000 $50,000 $184,000

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 333 $64,974,000 $195,000 $1,000,000 $116,000 $2,136,000
Not Provided 70 $19,830,000 $283,000 $4,000,000 $214,000 $5,187,000
Black or African American 67 $10,084,000 $150,000 $1,760,000 $88,000 $1,137,000
Not applicable 50 $10,945,000 $218,000 $1,024,000 $69,000 $1,183,000
Hispanic 13 $1,485,000 $114,000 $265,000 $99,000 $474,000
American Indian or Alaskan Native 3 $505,000 $168,000 $337,000 $81,000 $107,000
Asian 2 $595,000 $297,000 $395,000 $91,000 $120,000
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) 426 $89,409,000 $209,000 $4,000,000 $139,000 $5,187,000
FHA-insured (Federal Housing Administration) 75 $11,679,000 $155,000 $412,000 $40,000 $150,000
VA-guaranteed (Veterans Administration) 27 $6,530,000 $241,000 $611,000 $74,000 $193,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 10 $800,000 $80,000 $98,000 $29,000 $52,000

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 239 $52,148,000 $218,000 $4,000,000 $145,000 $5,187,000
Application Denied By Financial Institution 113 $21,869,000 $193,000 $1,760,000 $115,000 $2,136,000
Loan Purchased By The Institution 94 $17,817,000 $189,000 $550,000 $79,000 $1,183,000
Application Withdrawn By Applicant 47 $8,674,000 $184,000 $417,000 $93,000 $708,000
Application Approved But Not Accepted 27 $4,730,000 $175,000 $417,000 $113,000 $420,000
File Closed For Incompleteness 18 $3,180,000 $176,000 $508,000 $115,000 $450,000
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
Collateral 27 $5,825,000 $215,000 $1,760,000 $101,000 $360,000
Credit History 23 $1,973,000 $85,000 $270,000 $44,000 $65,000
Debt-To-Income Ratio 20 $4,812,000 $240,000 $684,000 $87,000 $171,000
Other 12 $2,210,000 $184,000 $611,000 $102,000 $193,000
Credit Application Incomplete 6 $1,262,000 $210,000 $415,000 $382,000 $1,137,000
Insufficient Cash (Downpayment, Closing Cost) 3 $904,000 $301,000 $620,000 $128,000 $189,000
Unverifiable Information 2 $1,425,000 $712,000 $765,000 $1,248,000 $2,136,000
Employment History 1 $53,000 $53,000 $53,000 $18,000 $18,000
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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