Richmond County, VA Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 342 mortgage applications in Richmond County, VA totaling $49.3 million, up 26% from 2011. The average application was for $144,000, and applicants reported an average income of $81,000. 46% of applications resulted in an originated loan and 23% were denied. The most active lender was Union Bank & Trust, with 38 applications, followed by Wells Fargo Bank NA and Truist 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 | 342 |
| Total Mortgage Loan Application Amount | $49,317,000 |
| Average Mortgage Loan Application Amount | $144,000 |
| Highest Mortgage Loan Application Amount | $620,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $708,000 |
* 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 |
|---|---|---|---|---|
| Union Bank & Trust 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 3,888,611,000 | 38 | $ 3,483,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 33 | $ 5,276,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 23 | $ 3,043,000 |
| Peoples Community Bank PO BOX 306 MONTROSS, VA 22520 |
* | $ 139,918,000 | 22 | $ 3,047,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 17 | $ 1,726,000 |
| Evb PO BOX 1455 TAPPAHANNOCK, VA 22560 |
* | $ 1,061,468,000 | 14 | $ 496,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 11 | $ 2,322,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 11 | $ 1,693,000 |
| Union Mortgage Group, Inc. 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 3,888,611,000 | 10 | $ 1,630,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 10 | $ 2,100,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 2,266,779,000 | 9 | $ 1,297,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 1,280,000 |
| Chesapeake Bank 35 SCHOOL STREET, PO BOX 2256 KILMARNOCK, VA 22482 |
* | $ 633,128,000 | 6 | $ 835,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 6 | $ 799,000 |
| Essex Bank 9954 MAYLAND DRIVE SUITE 2100 RICHMOND, VA 23233 |
* | $ 1,091,224,000 | 5 | $ 368,000 |
| Village Bank Mortgage 13305 MIDLOTHIAN TURNPIKE MIDLOTHIAN, VA 23113 |
* | $ 300,960,000 | 5 | $ 917,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 5 | $ 775,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 4 | $ 551,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 4 | $ 522,000 |
| Provident Funding Group Inc 851 TRAEGER AVENUE, SUITE 100 SAN BRUNO, CA 94066 |
* | $ 2,200,000,000 | 4 | $ 1,098,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 3 | $ 624,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 3 | $ 239,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 3 | $ 519,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 3 | $ 487,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 3 | $ 546,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 524,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 470,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 2 | $ 527,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ 435,000,000 | 2 | $ 210,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ 10,000,000 | 2 | $ 270,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 237,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 2 | $ 291,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 443,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 2 | $ 217,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 281,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ 189,567,000 | 2 | $ 827,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 2 | $ 305,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 2 | $ 170,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 4,479,945,000 | 2 | $ 493,000 |
| Southern Trust Mortgage LLC 4433 CORPORATION LANE, SUITE 300 VIRGINIA BEACH, VA 23462 |
* | $ 935,253,000 | 2 | $ 269,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 826,484,000 | 2 | $ 264,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 153,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 2 | $ 13,000 |
| Poli Mortgage Group, Inc. 780 DEDHAM STREET CANTON, MA 02021 |
* | $ 7,525,858,000 | 2 | $ 219,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 425,000 |
| Mason-Mcduffie Mortgage Corporation 2010 CROW CANYON PLACE, #400 SAN RAMON, CA 94583 |
* | $ 1,300,000 | 1 | $ 38,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 184,000 |
| Topside Federal Credit Union PO BOX 519 DAHLGREN, VA 22448 |
* | $ 282,352,000 | 1 | $ 136,000 |
| Clearpoint Funding, Inc. 4 TECHNOLOGY DRIVE, SUITE 200 WESTBOROUGH, MA 01581 |
* | $ 10,000,000 | 1 | $ 187,000 |
| First Capital Bank 4222 COX RD. GLEN ALLEN, VA 23060 |
* | $ 541,366,000 | 1 | $ 106,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 477,611,000 | 1 | $ 118,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 619,450,000 | 1 | $ 138,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 120,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 1 | $ 168,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 137,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 88,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 1 | $ 196,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 1 | $ 125,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 188,912,554,000 | 1 | $ 250,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,887,082,000 | 1 | $ 329,000 |
| Prosperity Mortgage Company 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,788,563,000 | 1 | $ 397,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 12,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 213,000,000 | 1 | $ 105,000 |
| First Mariner Bank 3301 BOSTON STREET BALTIMORE, MD 21224 |
* | $ 1,179,394,000 | 1 | $ 305,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ 10,000,000 | 1 | $ 116,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ 100,000,000 | 1 | $ 158,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 304,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 134,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 249,000 |
| Atlantic Coast Mortgage, LLC 4100 MONUMENT CORNER DRIVE, SUITE 300 FAIRFAX, VA 22030 |
* | $ 12,751,000 | 1 | $ 175,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 130,000 |
| Apex Home Loans, Inc. 3204 TOWER OAKS BLVD., SUITE 400 ROCKVILLE, MD 20852 |
* | $ 47,057,000 | 1 | $ 93,000 |
| Colonial Farm Credit Aca 7104 MECHANICSVILLE TURNPIKE MECHANICSVILLE, VA 23111 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 204,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 189,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 40,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 1 | $ 417,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 70,000 |
| Wcs Lending, LLC 951 YAMATO ROAD, SUITE 150 BOCA RATON, FL 33431 |
* | $ 25,076,000 | 1 | $ 201,000 |
The tables below break down 2012 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 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 | 225 | $36,903,000 | $164,000 | $620,000 | $89,000 | $708,000 |
| Home Purchase | 85 | $10,977,000 | $129,000 | $400,000 | $64,000 | $475,000 |
| Home Improvement | 32 | $1,437,000 | $44,000 | $197,000 | $68,000 | $207,000 |
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 | 235 | $35,818,000 | $152,000 | $465,000 | $93,000 | $708,000 |
| Black or African American | 46 | $4,194,000 | $91,000 | $278,000 | $47,000 | $173,000 |
| Not Provided | 33 | $4,604,000 | $139,000 | $329,000 | $66,000 | $590,000 |
| Not applicable | 19 | $3,851,000 | $202,000 | $620,000 | $31,000 | $240,000 |
| Hispanic | 6 | $533,000 | $88,000 | $168,000 | $78,000 | $306,000 |
| American Indian or Alaskan Native | 2 | $209,000 | $104,000 | $140,000 | $26,000 | $53,000 |
| Asian | 1 | $108,000 | $108,000 | $108,000 | $220,000 | $220,000 |
| 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) | 274 | $39,595,000 | $144,000 | $620,000 | $92,000 | $708,000 |
| FHA-insured (Federal Housing Administration) | 45 | $6,355,000 | $141,000 | $305,000 | $35,000 | $135,000 |
| VA-guaranteed (Veterans Administration) | 13 | $2,204,000 | $169,000 | $286,000 | $34,000 | $95,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,163,000 | $116,000 | $169,000 | $38,000 | $67,000 |
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 | 159 | $22,419,000 | $141,000 | $620,000 | $96,000 | $708,000 |
| Application Denied By Financial Institution | 80 | $10,148,000 | $126,000 | $465,000 | $63,000 | $590,000 |
| Loan Purchased By The Institution | 38 | $6,736,000 | $177,000 | $397,000 | $64,000 | $339,000 |
| Application Withdrawn By Applicant | 37 | $6,178,000 | $166,000 | $417,000 | $78,000 | $480,000 |
| File Closed For Incompleteness | 15 | $2,524,000 | $168,000 | $370,000 | $82,000 | $288,000 |
| Application Approved But Not Accepted | 13 | $1,312,000 | $100,000 | $206,000 | $49,000 | $92,000 |
| 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 | 17 | $3,103,000 | $182,000 | $465,000 | $110,000 | $590,000 |
| Credit History | 15 | $1,335,000 | $89,000 | $168,000 | $45,000 | $129,000 |
| Debt-To-Income Ratio | 9 | $887,000 | $98,000 | $304,000 | $48,000 | $116,000 |
| Other | 4 | $423,000 | $105,000 | $186,000 | $37,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $385,000 | $192,000 | $250,000 | $39,000 | $79,000 |
| Credit Application Incomplete | 2 | $194,000 | $97,000 | $134,000 | $41,000 | $68,000 |
| Employment History | 1 | $15,000 | $15,000 | $15,000 | $16,000 | $16,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $73,000 | $73,000 |
| 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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