Patrick County, VA Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 723 mortgage applications in Patrick County, VA totaling $80.8 million, down 4% from 2008. The average application was for $111,000, and applicants reported an average income of $61,000. 48% of applications resulted in an originated loan and 20% were denied. The most active lender was Branch Banking and Trust Co, with 142 applications, followed by Bank of America, N.A. and Carter Bank and Trust.
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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 | 723 |
| Total Mortgage Loan Application Amount | $80,848,000 |
| Average Mortgage Loan Application Amount | $111,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $5,540,000 |
* 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 |
|---|---|---|---|---|
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 142 | $ 15,041,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 56 | $ 7,032,000 |
| Carter Bank and Trust PO BOX 3748 MARTINSVILLE, VA 24112 |
* | $ 2,800,478,000 | 49 | $ 1,777,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 48 | $ 5,362,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 44 | $ 6,875,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 28 | $ 3,751,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 26 | $ 2,489,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 21 | $ 1,608,000 |
| Sidus Financial, LLC 1905 TURNBURY DRIVE GREENVILLE, NC 27858 |
* | $ 10,000,000 | 18 | $ 2,444,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 16 | $ 730,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 15 | $ 1,840,000 |
| 1st Choice Mortgage/Equity Cor 1021 BRIARGATE CIRCLE COLUMBIA, SC 29210 |
* | $ 10,000,000 | 15 | $ 1,683,000 |
| Valleystar Credit Union 41 WHEELER AVE MARTINSVILLE, VA 24115 |
* | $ 254,328,000 | 13 | $ 1,588,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 11 | $ 1,426,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 10 | $ 738,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 10 | $ 1,548,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 10 | $ 1,602,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 9 | $ 1,262,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 635,476,000,000 | 7 | $ 234,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 7 | $ 834,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 6 | $ 729,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 791,000 |
| Southern Bank and Trust Company PO BOX 729 MOUNT OLIVE, NC 28365 |
* | $ 1,219,917,000 | 6 | $ 673,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 16,639,856,000 | 6 | $ 520,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ 1,195,687,000 | 5 | $ 490,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 5 | $ 530,000 |
| Southern Community Bank and Tr 465 SHEPHERD STREET WINSTON SALEM, NC 27103 |
* | $ 1,800,127,000 | 5 | $ 836,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ 10,000,000 | 5 | $ 919,000 |
| Multi-State Home Lending Inc. 2081 BUSINESS CENTER DRIVE SUITE 190 IRVINE, CA 92612 |
* | $ 10,000,000 | 5 | $ 748,000 |
| Beach First National Bank 3751 GRISSOM PARKWAY, SUITE 100 MYRTLE BEACH, SC 29577 |
* | $ 657,891,000 | 4 | $ 619,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 4 | $ 597,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 69,166,325,000 | 4 | $ 425,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 3 | $ 414,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 12,942,945,000 | 3 | $ 351,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 3 | $ 218,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 3,009,111,000 | 3 | $ 88,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 3 | $ 513,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 2 | $ 296,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 236,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 223,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ 100,000,000 | 2 | $ 221,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 2 | $ 399,000 |
| Rbc Bank 131 NORTH CHURCH STREET ROCKY MOUNT, NC 27804 |
* | $ 30,436,225,000 | 2 | $ 233,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 185,098,787,000 | 2 | $ 72,000 |
| Stellarone Bank 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 2,933,064,000 | 2 | $ 318,000 |
| American National Bank and Trust Company 628 MAIN STREET DANVILLE, VA 24541 |
* | $ 788,435,000 | 2 | $ 241,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 2 | $ 293,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 2 | $ 367,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 1,686,491,000 | 2 | $ 272,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 843,658,000 | 2 | $ 233,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 242,361,000 | 2 | $ 176,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 2 | $ 129,000 |
| Ameritrust Mortgage Inc. 11016 RUSHMORE DRIVE, SUITE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 179,000 |
| Allegacy Federal Credit Union P O BOX 26043 WINSTON SALEM, NC 27114 |
* | $ 1,083,032,000 | 2 | $ 358,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 159,099,000 | 2 | $ 38,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 354,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 125,000 |
| Gms Funding, LLC 824 MEETING STREET WEST COLUMBIA, SC 29169 |
* | $ 417,745,000 | 1 | $ 61,000 |
| Oxford Lending Group, LLC 1 EAST CAMPUS VIEW BLVD STE #200 COLUMBUS, OH 43235 |
* | $ 700,000,000 | 1 | $ 245,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 142,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 85,000 |
| Premium Capital Funding LLC 125 JERICHO TPKE JERICHO, NY 11753 |
* | $ 10,000,000 | 1 | $ 92,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 229,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 542,847,000 | 1 | $ 32,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 156,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 479,176,000 | 1 | $ 79,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 1 | $ 66,000 |
| Roanoke Postal Employees' FCU PO BOX 12405 ROANOKE, VA 24025 |
* | $ 98,237,000 | 1 | $ 72,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 4,494,575,000 | 1 | $ 88,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 1 | $ 282,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,824,244,000 | 1 | $ 74,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 1 | $ 145,000 |
| First National Bk of the South P.O. BOX 3508 SPARTANBURG, SC 29304 |
* | $ 814,340,000 | 1 | $ 142,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 120,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 2,928,263,000 | 1 | $ 5,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 279,777,049,000 | 1 | $ 50,000 |
| Dover Mortgage Company 711 E. MOREHEAD ST CHARLOTTE, NC 28202 |
* | $ 1,817,511,000 | 1 | $ 195,000 |
| The Fidelity Bank 100 S. MAIN STREET FUQUAY-VARINA, NC 27526 |
* | $ 1,389,955,000 | 1 | $ 30,000 |
| Arthur State Bank 131 S MAIN ST UNION, SC 29379 |
* | $ 646,936,000 | 1 | $ 417,000 |
| E*Trade Bank 671 NORTH GLEBE RD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 44,958,963,000 | 1 | $ 90,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 1 | $ 90,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ 189,567,000 | 1 | $ 54,000 |
| Summit Community Bank 1600 ABBOT RD EAST LANSING, MI 48823 |
* | $ 170,293,000 | 1 | $ 234,000 |
| Town Center Bank 1938 E. LINCOLN HIGHWAY #101 NEW LENOX, IL 60451 |
* | $ 123,336,000 | 1 | $ 59,000 |
| Cunningham & Company 804 GREEN VALLEY ROAD, SUITE 106 GREENSBORO, NC 27408 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Barrons Mortgage Group Ltd 3325 SOUTH TRYON STREET CHARLOTTE, NC 28217 |
* | $ 6,353,000 | 1 | $ 134,000 |
| Carolina Farm Credit, Aca P O BOX 1827 STATESVILLE, NC 28625 |
* | $ 10,000,000 | 1 | $ 173,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ 10,000,000 | 1 | $ 201,000 |
| Residential Mortgage Corporati 2577 RAVENHILL DRIVE FAYETTEVILLE, NC 28303 |
* | $ 1,643,000 | 1 | $ 252,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 122,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 158,000 |
The tables below break down 2009 mortgage applications in Patrick 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 Patrick County, 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 | 552 | $67,126,000 | $121,000 | $417,000 | $65,000 | $5,540,000 |
| Home Purchase | 116 | $11,795,000 | $101,000 | $417,000 | $53,000 | $252,000 |
| Home Improvement | 55 | $1,927,000 | $35,000 | $233,000 | $39,000 | $186,000 |
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 | 584 | $66,908,000 | $114,000 | $417,000 | $66,000 | $5,540,000 |
| Not Provided | 59 | $7,103,000 | $120,000 | $417,000 | $59,000 | $252,000 |
| Not applicable | 48 | $4,650,000 | $96,000 | $180,000 | $21,000 | $173,000 |
| Black or African American | 25 | $1,317,000 | $52,000 | $152,000 | $36,000 | $74,000 |
| Hispanic | 4 | $517,000 | $129,000 | $180,000 | $94,000 | $119,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $323,000 | $161,000 | $207,000 | $44,000 | $58,000 |
| American Indian or Alaskan Native | 1 | $30,000 | $30,000 | $30,000 | $27,000 | $27,000 |
| Asian | 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) | 533 | $57,570,000 | $108,000 | $417,000 | $69,000 | $5,540,000 |
| FHA-insured (Federal Housing Administration) | 166 | $20,842,000 | $125,000 | $287,000 | $41,000 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $1,866,000 | $93,000 | $146,000 | $32,000 | $89,000 |
| VA-guaranteed (Veterans Administration) | 4 | $570,000 | $142,000 | $282,000 | $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 | 346 | $39,701,000 | $114,000 | $417,000 | $61,000 | $695,000 |
| Application Denied By Financial Institution | 146 | $13,769,000 | $94,000 | $309,000 | $84,000 | $5,540,000 |
| Loan Purchased By The Institution | 100 | $12,255,000 | $122,000 | $276,000 | $38,000 | $173,000 |
| Application Withdrawn By Applicant | 71 | $8,657,000 | $121,000 | $417,000 | $56,000 | $195,000 |
| File Closed For Incompleteness | 34 | $3,821,000 | $112,000 | $282,000 | $50,000 | $246,000 |
| Application Approved But Not Accepted | 25 | $2,525,000 | $101,000 | $229,000 | $66,000 | $393,000 |
| Preapproval Denied by Financial Institution | 1 | $120,000 | $120,000 | $120,000 | $28,000 | $28,000 |
| Preapproval Approved but not Accepted | 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 | 32 | $2,105,000 | $65,000 | $274,000 | $40,000 | $107,000 |
| Collateral | 24 | $3,499,000 | $145,000 | $309,000 | $67,000 | $156,000 |
| Debt-To-Income Ratio | 21 | $2,046,000 | $97,000 | $229,000 | $35,000 | $212,000 |
| Other | 7 | $623,000 | $89,000 | $211,000 | $46,000 | $112,000 |
| Credit Application Incomplete | 4 | $405,000 | $101,000 | $155,000 | $24,000 | $40,000 |
| Unverifiable Information | 3 | $401,000 | $133,000 | $250,000 | $129,000 | $300,000 |
| Employment History | 1 | $31,000 | $31,000 | $31,000 | $20,000 | $20,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $44,000 | $44,000 |
| 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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