Richmond County, VA Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 410 mortgage applications in Richmond County, VA totaling $61.8 million, down 13% from 2008. The average application was for $150,000, and applicants reported an average income of $64,000. 45% of applications resulted in an originated loan and 20% were denied. The most active lender was Peoples Community Bank, with 37 applications, followed by Wells Fargo Bank, NA and Evb.
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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 | 410 |
| Total Mortgage Loan Application Amount | $61,815,000 |
| Average Mortgage Loan Application Amount | $150,000 |
| Highest Mortgage Loan Application Amount | $950,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $570,000 |
* 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 |
|---|---|---|---|---|
| Peoples Community Bank PO BOX 306 MONTROSS, VA 22520 |
* | $ 109,786,000 | 37 | $ 3,028,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 27 | $ 4,154,000 |
| Evb PO BOX 1455 TAPPAHANNOCK, VA 22560 |
* | $ 1,050,079,000 | 25 | $ 2,912,000 |
| Union Mortgage Group, Inc. 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 2,033,806,000 | 21 | $ 3,439,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 20 | $ 2,971,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 18 | $ 2,978,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 18 | $ 2,905,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 17 | $ 3,191,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 15 | $ 3,113,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 11 | $ 1,404,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 10 | $ 1,167,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 9 | $ 487,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 8 | $ 706,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 8 | $ 1,739,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 1,686,491,000 | 7 | $ 803,000 |
| Evb Mortgage LLC 4433 CORPORATION LANE #300 VIRGINIA BEACH, VA 23462 |
* | $ 176,555,000 | 7 | $ 1,537,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 7 | $ 1,220,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 7 | $ 915,000 |
| Chesapeake Bank 35 SCHOOL STREET, PO BOX 2256 KILMARNOCK, VA 22482 |
* | $ 533,660,000 | 7 | $ 943,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ 189,567,000 | 7 | $ 878,000 |
| Essex Bank 9954 MAYLAND DRIVE SUITE 2100 RICHMOND, VA 23233 |
* | $ 1,029,202,000 | 6 | $ 1,249,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 6 | $ 1,283,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 5 | $ 813,000 |
| Metamerica Mortgage 5151 BONNEY ROAD VIRGINIA BEACH, VA 23462 |
* | $ 10,000,000 | 4 | $ 498,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 4 | $ 495,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 530,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 4 | $ 1,118,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 4 | $ 760,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 453,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 397,000 |
| Fulton Bank, National Association ONE PENN SQUARE LANCASTER, PA 17602 |
* | $ 8,346,289,000 | 3 | $ 793,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 3 | $ 764,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 339,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 496,000 |
| Americahomekey, Inc 3838 OAK LAWN STE 1050 DALLAS, TX 75219 |
* | $ 10,000,000 | 2 | $ 272,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, #100 PLYMOUTH, MN 55441 |
* | $ 10,000,000 | 2 | $ 298,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 2 | $ 459,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 2 | $ 23,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 2 | $ 492,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 2 | $ 445,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 2 | $ 544,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 2 | $ 625,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 377,000 |
| Colonial Farm Credit Aca 7104 MECHANICSVILLE TURNPIKE MECHANICSVILLE, VA 23111 |
* | $ 10,000,000 | 2 | $ 202,000 |
| Weststar Mortgage, Inc. 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 2 | $ 321,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 2 | $ 212,000 |
| Community First Bank 3725 OLD COURT ROAD BALTIMORE, MD 21208 |
* | $ 62,318,000 | 2 | $ 138,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 1 | $ 80,000 |
| First Market Bank, FSB 2001 MAYWILL STREET, SUITE 205 RICHMOND, VA 23230 |
* | $ 1,300,888,000 | 1 | $ 3,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 159,000 |
| Mld Mortgage Inc. 30B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ 10,000,000 | 1 | $ 226,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 159,000 |
| Partners Financial Federal C U 1200 NEW YORK AVENUE GLEN ALLEN, VA 23060 |
* | $ 73,533,000 | 1 | $ 4,000 |
| Topside Federal Credit Union PO BOX 519 DAHLGREN, VA 22448 |
* | $ 222,908,000 | 1 | $ 73,000 |
| State Employees Credit Union of MD 971 CORPORATE BLVD LINTHICUM, MD 21090 |
* | $ 1,865,788,000 | 1 | $ 154,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 12,942,945,000 | 1 | $ 432,000 |
| State Departmenet Federal Credit Union 1630 KING STREET ALEXANDRIA, VA 22314 |
* | $ 1,031,166,000 | 1 | $ 367,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 1,614,682,000 | 1 | $ 187,000 |
| Prosperity Mortgage Company 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 1 | $ 102,000 |
| Barrons Mortgage Group Ltd 3325 SOUTH TRYON STREET CHARLOTTE, NC 28217 |
* | $ 6,353,000 | 1 | $ 259,000 |
| Cardinal Financial Company 444 JACKSONVILLE ROAD WARMINSTER, PA 18974 |
* | $ 10,000,000 | 1 | $ 190,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ 100,000,000 | 1 | $ 175,000 |
| First Home Mortgage 6211 GREENLEIGH AVENUE SUITE 300 BALTIMORE, MD 21220 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Allied Home Mortgage Corp. 6110 PINEMONT DR., STE. 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 131,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 128,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 274,000 |
| Ctx Mortgage Company, LLC 1603 LBJ FREEWAY FL 6 DALLAS, TX 75234 |
* | $ 31,000,000 | 1 | $ 137,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ 435,000,000 | 1 | $ 98,000 |
| Monarch Bank 1435 CROSSWAYS BOULEVARD, SUITE 101 CHESAPEAKE, VA 23320 |
* | $ 597,236,000 | 1 | $ 219,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,930,807,000 | 1 | $ 162,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 1 | $ 110,000 |
| Southern Trust Mortgage LLC 4433 CORPORATION LANE, SUITE 300 VIRGINIA BEACH, VA 23462 |
* | $ 935,253,000 | 1 | $ 175,000 |
| Citizens and Farmers Bank 415 14TH STREET WEST POINT, VA 23181 |
* | $ 847,034,000 | 1 | $ 216,000 |
| Townebank 5716 HIGH STREET WEST PORTSMOUTH, VA 23703 |
* | $ 3,133,589,000 | 1 | $ 108,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 479,176,000 | 1 | $ 131,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 1 | $ 116,000 |
| Franklin Federal Savings Bank P O BOX 5310 4501 COX ROAD GLEN ALLEN, VA 23058 |
* | $ 992,840,000 | 1 | $ 172,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 1 | $ 60,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 53,586,626,000 | 1 | $ 190,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 222,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,824,244,000 | 1 | $ 395,000 |
| Union Bank & Trust 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 2,033,806,000 | 1 | $ 130,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 80,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 1 | $ 22,000 |
The tables below break down 2009 mortgage applications in Richmond 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 Richmond 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 | 304 | $48,858,000 | $160,000 | $643,000 | $60,000 | $354,000 |
| Home Purchase | 63 | $11,123,000 | $176,000 | $950,000 | $92,000 | $570,000 |
| Home Improvement | 43 | $1,834,000 | $42,000 | $216,000 | $51,000 | $157,000 |
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 | 272 | $42,166,000 | $155,000 | $950,000 | $73,000 | $570,000 |
| Not Provided | 48 | $7,752,000 | $161,000 | $340,000 | $61,000 | $330,000 |
| Black or African American | 47 | $5,417,000 | $115,000 | $254,000 | $45,000 | $201,000 |
| Not applicable | 35 | $5,264,000 | $150,000 | $299,000 | $22,000 | $192,000 |
| Hispanic | 4 | $539,000 | $134,000 | $189,000 | $39,000 | $58,000 |
| American Indian or Alaskan Native | 2 | $209,000 | $104,000 | $129,000 | $24,000 | $25,000 |
| Asian | 1 | $194,000 | $194,000 | $194,000 | $100,000 | $100,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $274,000 | $274,000 | $274,000 | $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) | 299 | $43,862,000 | $146,000 | $950,000 | $71,000 | $570,000 |
| FHA-insured (Federal Housing Administration) | 93 | $14,804,000 | $159,000 | $310,000 | $46,000 | $250,000 |
| VA-guaranteed (Veterans Administration) | 13 | $2,490,000 | $191,000 | $259,000 | $36,000 | $118,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $659,000 | $131,000 | $193,000 | $30,000 | $75,000 |
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 | 185 | $27,604,000 | $149,000 | $950,000 | $69,000 | $570,000 |
| Application Denied By Financial Institution | 82 | $10,753,000 | $131,000 | $395,000 | $55,000 | $201,000 |
| Loan Purchased By The Institution | 78 | $12,440,000 | $159,000 | $660,000 | $53,000 | $570,000 |
| Application Withdrawn By Applicant | 43 | $7,168,000 | $166,000 | $416,000 | $72,000 | $438,000 |
| Application Approved But Not Accepted | 14 | $2,543,000 | $181,000 | $385,000 | $77,000 | $237,000 |
| File Closed For Incompleteness | 8 | $1,307,000 | $163,000 | $212,000 | $45,000 | $87,000 |
| 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 | 24 | $2,213,000 | $92,000 | $226,000 | $47,000 | $201,000 |
| Collateral | 10 | $2,056,000 | $205,000 | $387,000 | $82,000 | $198,000 |
| Debt-To-Income Ratio | 8 | $1,142,000 | $142,000 | $245,000 | $43,000 | $60,000 |
| Credit Application Incomplete | 6 | $1,044,000 | $174,000 | $367,000 | $88,000 | $125,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $330,000 | $165,000 | $182,000 | $44,000 | $45,000 |
| Other | 2 | $308,000 | $154,000 | $305,000 | $119,000 | $157,000 |
| Employment History | 1 | $224,000 | $224,000 | $224,000 | $113,000 | $113,000 |
| Unverifiable Information | 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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