Northampton County, VA Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 615 mortgage applications in Northampton County, VA totaling $118.2 million, up 14% from 2011. The average application was for $192,000, and applicants reported an average income of $115,000. 45% of applications resulted in an originated loan and 26% were denied. The most active lender was Wells Fargo Bank NA, with 77 applications, followed by Truist Bank and Suntrust Mortgage, Inc..

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Total Number of Mortgage Applications 615
Total Mortgage Loan Application Amount $118,171,000
Average Mortgage Loan Application Amount $192,000
Highest Mortgage Loan Application Amount $1,470,000
Average Applicant Income $115,000
Highest Applicant Income $1,288,000

Mortgage Company List for Lending in Northampton County, VA for 2012

* 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
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 77 $ 17,481,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 56 $ 7,621,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 55 $ 10,801,000
Gateway Bank Mortgage, Inc.
901 E CAREY STREET, SUITE 1700
RICHMOND, VA 23219
* $ 1,899,061,000 35 $ 7,323,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 33 $ 7,455,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 31 $ 3,639,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 26 $ 4,590,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 171,291,705,000 16 $ 332,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 16 $ 3,166,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 15 $ 2,822,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 13 $ 3,445,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 11 $ 799,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 9 $ 1,164,000
Shore Bank
PO BOX 920
ONLEY, VA 23418
* $ 277,267,000 8 $ 1,949,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 8 $ 531,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ 10,000,000 7 $ 754,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ 4,081,771,000 7 $ 3,169,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 188,912,554,000 7 $ 1,509,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 6 $ 1,309,000
Monarch Bank
1435 CROSSWAYS BOULEVARD, SUITE 101
CHESAPEAKE, VA 23320
* $ 909,258,000 6 $ 1,277,000
American Security Mortgage Cor
2101 REXFORD RD. SUITE 100E
CHARLOTTE, NC 28207
* $ 10,000,000 5 $ 1,232,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 5 $ 27,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 5 $ 1,378,000
1st Preference Mortgage Corp.
9423 BELAIR RD
BALTIMORE, MD 21236
* $ 1,000,000,000 4 $ 816,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 4 $ 487,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 4 $ 734,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 4 $ 1,012,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 4 $ 1,048,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 4 $ 337,000
Virginia Federal Credit Union
PO BOX 90010
RICHMOND, VA 23225
* $ 2,266,779,000 4 $ 513,000
Nma Federal Credit Union
4920 HAYGOOD ROAD
VIRGINIA BEACH, VA 23455
* $ 53,963,000 3 $ 262,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 3 $ 478,000
Carolina Bank
PO BOX 10209
GREENSBORO, NC 27404
* $ 672,996,000 3 $ 771,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 3 $ 938,000
Ing Bank, FSB / Capital One
11130 INDUSTRIPLEX BLVD
BATON ROUGE, LA 70809
* $ 92,212,498,000 3 $ 707,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 3 $ 482,000
Horizon Farm Credit, Aca
45 AILERON CT.
MECHANICSBURG, PA 17050
* $ 10,000,000 3 $ 983,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 3 $ 547,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 3 $ 939,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 3 $ 793,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 3 $ 614,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ 603,000 2 $ 2,400,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 302,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 2 $ 248,000
Tidewater Home Funding, LLC
1108 EDEN WAY
CHESAPEAKE, VA 23320
* $ 10,000,000 2 $ 648,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 2 $ 461,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 2 $ 138,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 2 $ 270,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 2 $ 339,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 2 $ 9,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 808,645,000 2 $ 425,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,887,082,000 2 $ 670,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 12,019,539,000 2 $ 395,000
First Shore Federal Savings and Loan Association
PO BOX 4248
SALISBURY, MD 21801
* $ 316,625,000 2 $ 167,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 2 $ 183,000
Bank @Lantec
501 S. INDEPENDENCE BLVD.
VIRGINIA BEACH, VA 23452
* $ 104,740,000 2 $ 466,000
Chartway FCU
5700 CLEVELAND STREET
VIRGINIA BEACH, VA 23462
* $ 1,905,255,000 2 $ 84,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 240,651,000 2 $ 533,000
Mortgage Network, Inc.
99 CONIFER HILL DR
DANVERS, MA 01923
* $ 3,700,000 2 $ 304,000
Provident Funding Group Inc
851 TRAEGER AVENUE, SUITE 100
SAN BRUNO, CA 94066
* $ 2,200,000,000 1 $ 417,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ 10,000,000 1 $ 314,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 1 $ 160,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ 548,388,000 1 $ 175,000
Severn Savings Bank, FSB dba Severn Bank
200 WESTGATE CIRCLE SUITE 200
ANNAPOLIS, MD 21401
* $ 896,561,000 1 $ 304,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 4,479,945,000 1 $ 20,000
First Capital Bank
4222 COX RD.
GLEN ALLEN, VA 23060
* $ 541,366,000 1 $ 220,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 1 $ 220,000
Southern Trust Mortgage LLC
4433 CORPORATION LANE, SUITE 300
VIRGINIA BEACH, VA 23462
* $ 935,253,000 1 $ 157,000
Abnb Federal Credit Union
830 GREENBRIER CIRCLE
CHESAPEAKE, VA 23320
* $ 375,667,000 1 $ 68,000
Coastal Federal Credit Union
PO BOX 99167
RALEIGH, NC 27690
* $ 2,014,042,000 1 $ 77,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,898,665,000 1 $ 95,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ 2,423,017,000 1 $ 400,000
Customers Bank
99 BRIDGE STREET
PHOENIXVILLE, PA 19460
* $ 2,077,532,000 1 $ 55,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 2,104,738,000 1 $ 165,000
Nasa Federal Credit Union
500 PRINCE GEORGE'S BLVD.
UPPER MARLBORO, MD 20774
* $ 1,160,952,000 1 $ 133,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 1 $ 211,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 34,276,023,000 1 $ 1,470,000
Southern Bank and Trust Compan
PO BOX 729
MT OLIVE, NC 28365
* $ 2,039,801,000 1 $ 122,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 1 $ 248,000
Fulton Bank, National Association
ONE PENN SQUARE
LANCASTER, PA 17602
* $ 9,041,660,000 1 $ 73,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 1 $ 253,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 168,000
Langley Federal Credit Union
721 LAKEFRONT COMMONS, SUITE 102
NEWPORT NEWS, VA 23606
* $ 1,651,700,000 1 $ 32,000
The Old Point National Bank of Phoebus
1 W MELLEN STREET
HAMPTON, VA 23669
* $ 845,323,000 1 $ 500,000
Prosperity Mortgage Company
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,788,563,000 1 $ 346,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 270,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 61,000
Firstmerit Bank NA
III CASCADE PLAZA - CAS46
AKRON, OH 44308
* $ 14,420,570,000 1 $ 279,000
First Savings Mortgage Corporation
8444 WEST PARK DRIVE, THE 4TH FLOOR
MCLEAN, VA 22102
* $ 10,000,000 1 $ 150,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ 100,000,000 1 $ 125,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 240,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 217,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ 10,000,000 1 $ 220,000
Barrons Mortgage Group Ltd
3325 SOUTH TRYON STREET
CHARLOTTE, NC 28217
* $ 6,353,000 1 $ 256,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 1 $ 184,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ 435,000,000 1 $ 143,000
Tidewater Mortgage Services, Inc
200 GOLDEN OAK COURT STE. 100
VIRGINIA BEACH, VA 26452
* $ 100,000,000 1 $ 234,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 417,000
Caliber Funding LLC
6031 CONNECTION DRIVE, SUITE 200
IRVING, TX 75039
* $ 37,112,000 1 $ 414,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 65,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 201,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ 31,000,000 1 $ 171,000

The tables below break down 2012 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 2012

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 375 $80,659,000 $215,000 $1,470,000 $121,000 $1,200,000
Home Purchase 180 $35,762,000 $198,000 $1,200,000 $122,000 $1,288,000
Home Improvement 60 $1,750,000 $29,000 $200,000 $52,000 $315,000

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 427 $89,105,000 $208,000 $1,470,000 $128,000 $1,288,000
Black or African American 73 $5,728,000 $78,000 $382,000 $58,000 $334,000
Not Provided 60 $12,733,000 $212,000 $999,000 $139,000 $1,200,000
Not applicable 43 $8,802,000 $204,000 $407,000 $39,000 $310,000
Hispanic 7 $708,000 $101,000 $252,000 $76,000 $146,000
Asian 4 $1,026,000 $256,000 $410,000 $203,000 $450,000
Native Hawaiian or Other Pacific Islander 1 $69,000 $69,000 $69,000 $114,000 $114,000
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) 507 $101,890,000 $200,000 $1,470,000 $126,000 $1,288,000
FHA-insured (Federal Housing Administration) 74 $8,942,000 $120,000 $253,000 $51,000 $908,000
VA-guaranteed (Veterans Administration) 28 $6,603,000 $235,000 $413,000 $95,000 $360,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 6 $736,000 $122,000 $160,000 $39,000 $58,000

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 276 $53,959,000 $195,000 $1,000,000 $117,000 $679,000
Application Denied By Financial Institution 157 $25,782,000 $164,000 $1,470,000 $102,000 $1,200,000
Loan Purchased By The Institution 75 $14,963,000 $199,000 $413,000 $67,000 $360,000
Application Withdrawn By Applicant 61 $14,459,000 $237,000 $1,200,000 $165,000 $1,288,000
Application Approved But Not Accepted 24 $3,607,000 $150,000 $392,000 $151,000 $670,000
File Closed For Incompleteness 22 $5,401,000 $245,000 $1,204,000 $153,000 $650,000
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
Credit History 38 $2,638,000 $69,000 $315,000 $64,000 $290,000
Collateral 32 $9,101,000 $284,000 $1,470,000 $238,000 $1,200,000
Debt-To-Income Ratio 25 $3,808,000 $152,000 $379,000 $62,000 $175,000
Credit Application Incomplete 12 $2,603,000 $216,000 $651,000 $95,000 $210,000
Other 7 $1,034,000 $147,000 $366,000 $111,000 $152,000
Insufficient Cash (Downpayment, Closing Cost) 4 $352,000 $88,000 $121,000 $54,000 $70,000
Unverifiable Information 2 $420,000 $210,000 $270,000 $76,000 $87,000
Employment History 1 $162,000 $162,000 $162,000 $35,000 $35,000
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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