Richmond County, VA Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 444 mortgage applications in Richmond County, VA totaling $84.0 million, up 24% from 2019. The average application was for $189,000, and applicants reported an average income of $102,000. 57% of applications resulted in an originated loan and 13% were denied. The most active lender was Atlantic Union Bank, with 42 applications, followed by George Mason Mortgage, LLC and Wells Fargo Bank NA.
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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 | 444 |
| Total Mortgage Loan Application Amount | $84,010,000 |
| Average Mortgage Loan Application Amount | $189,000 |
| Highest Mortgage Loan Application Amount | $9,005,000 |
| Average Applicant Income | $102,000 |
| Highest Applicant Income | $1,237,000 |
* 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 |
|---|---|---|---|---|
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ 17,516,056,000 | 42 | $ 4,010,000 |
| George Mason Mortgage, LLC 4100 MONUMENT CORNER DRIVE #100 PRINCE WILLIAM, VA 22030 |
* | $ -1,000 | 34 | $ 6,090,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 20 | $ 4,160,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 19 | $ 3,485,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ -1,000 | 18 | $ 2,900,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 3,729,406,000 | 16 | $ 2,650,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 13 | $ 1,505,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 12 | $ 2,510,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ -1,000 | 11 | $ 2,215,000 |
| Citizens and Farmers Bank 415 14TH STREET WEST POINT, VA 23181 |
* | $ 1,625,536,000 | 11 | $ 1,225,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 10 | $ 1,610,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 9 | $ 1,595,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 8 | $ 1,660,000 |
| Virginia Commonwealth Bank 1801 BAYBERRY COURT, SUITE 101 RICHMOND, VA 23226 |
* | $ 1,127,526,000 | 7 | $ 855,000 |
| Southern Trust Mortgage, LLC 4433 CORPORATION LANE SUITE 300 VIRGINIA BEACH, VA 23462 |
* | $ -1,000 | 7 | $ 1,465,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 6 | $ 1,380,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 6 | $ 880,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 5 | $ 1,075,000 |
| Essex Bank 9954 MAYLAND DRIVE SUITE 2100 RICHMOND, VA 23233 |
* | $ 1,431,111,000 | 5 | $ 585,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 5 | $ 755,000 |
| Ovm Financial, Inc. 816 GREENBRIER CIRCLE SUITE 100 CHESAPEAKE, VA 23320 |
* | $ -1,000 | 5 | $ 705,000 |
| Tidewater Mortgage Services, Inc 200 GOLDEN OAK COURT STE. 100 VIRGINIA BEACH, VA 26452 |
* | $ -1,000 | 5 | $ 895,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 5 | $ 1,025,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 5 | $ 1,055,000 |
| Townebank 5716 HIGH STREET WEST PORTSMOUTH, VA 23703 |
* | $ 11,947,775,000 | 5 | $ 1,625,000 |
| Chesapeake Bank 35 SCHOOL STREET, PO BOX 2256 KILMARNOCK, VA 22482 |
* | $ 955,048,000 | 5 | $ 825,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 4 | $ 670,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 750,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 4 | $ 470,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 850,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 750,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ 34,531,413,000 | 3 | $ 425,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 39,787,666,000 | 3 | $ 1,145,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 3 | $ 785,000 |
| C&F Select LLC 1 PARK WEST CIRCLE SUITE 203 MIDLOTHIAN, VA 23113 |
* | $ -1,000 | 3 | $ 435,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ 19,644,548,000 | 3 | $ 395,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 3 | $ 505,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 3 | $ 605,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ -1,000 | 3 | $ 385,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 3 | $ 145,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 745,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 545,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 2 | $ 440,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 290,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 390,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 2 | $ 390,000 |
| Topside Federal Credit Union PO BOX 519 DAHLGREN, VA 22448 |
* | $ 394,920,000 | 2 | $ 120,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 220,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 2 | $ 500,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 220,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 3,598,362,000 | 2 | $ 330,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 420,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 230,000 |
| State Departmenet Federal Credit Union 1630 KING STREET ALEXANDRIA, VA 22314 |
* | $ 2,166,050,000 | 2 | $ 290,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 2 | $ 420,000 |
| Christensen Financial, Inc. 860 N SR 434 ALTAMONTE SPRINGS, FL 32714 |
* | $ -1,000 | 2 | $ 420,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 500,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 397,703,264,000 | 2 | $ 210,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 360,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 2 | $ 290,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 1 | $ 105,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,289,704,000 | 1 | $ 255,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 85,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ -1,000 | 1 | $ 155,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 125,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 145,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 25,000 |
| Towne First Mortgage, LLC 4501 COX RD #301 GLEN ALLEN, VA 23060 |
* | $ -1,000 | 1 | $ 345,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 9,767,997,000 | 1 | $ 145,000 |
| Intercoastal Mortgage, LLC 11911 FREEDOM DRIVE SUITE 500 RESTON, VA 20190 |
* | $ -1,000 | 1 | $ 365,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 215,000 |
| Assurance Financial Group, L.L.C. 9029 JEFFERSON HIGHWAY SUITE 100 BATON ROUGE, LA 70809 |
* | $ -1,000 | 1 | $ 255,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 1 | $ 195,000 |
| Intelliloan, Inc. 4 PARK PLAZA SUITE 800 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 105,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 1 | $ 135,000 |
| Jams-01 Inc dba Home Savings & Trust Mortgage JAMS-01, INC. 3701 PENDER DRIVE #150 FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 145,000 |
| Atlantic Coast Mortgage, LLC 4100 MONUMENT CORNER DRIVE, SUITE 300 FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 205,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 1 | $ 15,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 1 | $ 55,000 |
| First Home Mortgage 6211 GREENLEIGH AVENUE SUITE 300 BALTIMORE, MD 21220 |
* | $ -1,000 | 1 | $ 385,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ -1,000 | 1 | $ 195,000 |
| McLean Mortgage Corporation 11325 RANDOM HILLS RD. SUITE 400 FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 145,000 |
| First Heritage Mortgage, LLC 11325 RANDOM HILLS RD SUITE 600 FAIRFAX, VA 22031 |
* | $ -1,000 | 1 | $ 225,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 1 | $ 165,000 |
| Bellwether Enterprise Real Estate Capital, LLC 1360 E. 9TH STREET SUITE 300 CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 9,005,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 295,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 175,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 215,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 155,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 32,529,274,000 | 1 | $ 125,000 |
| State Employees Credit Union of MD 971 CORPORATE BLVD LINTHICUM, MD 21090 |
* | $ 3,774,676,000 | 1 | $ 85,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 198,963,000 | 1 | $ 215,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 125,000 |
| Tidewater Home Funding, LLC 1108 EDEN WAY CHESAPEAKE, VA 23320 |
* | $ -1,000 | 1 | $ 215,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 1 | $ 345,000 |
The tables below break down 2020 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 2020
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 | 184 | $43,810,000 | $238,000 | $9,005,000 | $112,000 | $753,000 |
| Home Purchase | 129 | $23,135,000 | $179,000 | $515,000 | $96,000 | $600,000 |
| Cash-out Refinancing | 67 | $10,815,000 | $161,000 | $615,000 | $84,000 | $244,000 |
| Other Purpose | 37 | $3,795,000 | $102,000 | $755,000 | $117,000 | $1,237,000 |
| Home Improvement | 17 | $1,085,000 | $63,000 | $205,000 | $106,000 | $372,000 |
| Not Applicable | 10 | $1,370,000 | $137,000 | $165,000 | $0 | $0 |
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 | 297 | $51,315,000 | $172,000 | $755,000 | $104,000 | $1,237,000 |
| Not Provided | 58 | $9,540,000 | $164,000 | $435,000 | $91,000 | $386,000 |
| Not applicable | 44 | $17,150,000 | $389,000 | $9,005,000 | $122,000 | $300,000 |
| Black or African American | 36 | $4,670,000 | $129,000 | $295,000 | $84,000 | $372,000 |
| Hispanic | 7 | $1,045,000 | $149,000 | $245,000 | $83,000 | $181,000 |
| Asian | 1 | $75,000 | $75,000 | $75,000 | $600,000 | $600,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 324 | $62,630,000 | $193,000 | $9,005,000 | $110,000 | $1,237,000 |
| FHA-insured (Federal Housing Administration) | 67 | $10,695,000 | $159,000 | $295,000 | $60,000 | $145,000 |
| VA-guaranteed (Veterans Administration) | 38 | $8,160,000 | $214,000 | $385,000 | $77,000 | $173,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $2,525,000 | $168,000 | $285,000 | $52,000 | $74,000 |
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 | 253 | $52,355,000 | $206,000 | $9,005,000 | $109,000 | $1,237,000 |
| Loan Purchased By The Institution | 58 | $11,390,000 | $196,000 | $455,000 | $128,000 | $490,000 |
| Application Denied By Financial Institution | 56 | $6,250,000 | $111,000 | $285,000 | $83,000 | $600,000 |
| Application Withdrawn By Applicant | 47 | $9,055,000 | $192,000 | $405,000 | $94,000 | $368,000 |
| File Closed For Incompleteness | 21 | $3,895,000 | $185,000 | $615,000 | $70,000 | $156,000 |
| Application Approved But Not Accepted | 9 | $1,065,000 | $118,000 | $195,000 | $51,000 | $102,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 372 | $75,600,000 | $203,000 | $9,005,000 | $107,000 | $1,237,000 |
| Debt-To-Income Ratio | 25 | $3,235,000 | $129,000 | $265,000 | $75,000 | $300,000 |
| Credit History | 23 | $2,535,000 | $110,000 | $275,000 | $105,000 | $600,000 |
| Collateral | 14 | $1,440,000 | $102,000 | $285,000 | $76,000 | $219,000 |
| Unverifiable Information | 4 | $430,000 | $107,000 | $145,000 | $46,000 | $73,000 |
| Credit Application Incomplete | 3 | $425,000 | $141,000 | $165,000 | $80,000 | $121,000 |
| Other | 2 | $240,000 | $120,000 | $135,000 | $43,000 | $43,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $72,000 | $72,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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