Richmond County, VA Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 298 mortgage applications in Richmond County, VA totaling $58.8 million, up 9% from 2023. The average application was for $197,000, and applicants reported an average income of $101,000. 48% of applications resulted in an originated loan and 19% were denied. The most active lender was Atlantic Union Bank, with 38 applications, followed by Vanderbilt Mortgage and Finance, Inc and United Bank VA.
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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 | 298 |
| Total Mortgage Loan Application Amount | $58,800,000 |
| Average Mortgage Loan Application Amount | $197,000 |
| Highest Mortgage Loan Application Amount | $1,325,000 |
| Average Applicant Income | $101,000 |
| Highest Applicant Income | $937,000 |
* 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 |
* | $ n/a | 38 | $ 4,760,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 29 | $ 4,865,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ n/a | 19 | $ 4,985,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 12 | $ 3,250,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 11 | $ 2,975,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 11 | $ 1,485,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ n/a | 10 | $ 900,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 8 | $ 640,000 |
| Primis Bank 10900 NUCKOLS ROAD SUITE 325 GLEN ALLEN GLEN ALLEN, VA 23060 |
* | $ n/a | 7 | $ 715,000 |
| Citizens and Farmers Bank 415 14TH STREET WEST POINT, VA 23181 |
* | $ n/a | 7 | $ 425,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 5 | $ 1,515,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ n/a | 4 | $ 1,190,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 4 | $ 1,020,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 4 | $ 840,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ n/a | 4 | $ 1,150,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 4 | $ 510,000 |
| Tidewater Mortgage Services, Inc 200 GOLDEN OAK COURT STE. 100 VIRGINIA BEACH, VA 26452 |
* | $ n/a | 4 | $ 1,110,000 |
| Chesapeake Bank 35 SCHOOL STREET, PO BOX 2256 KILMARNOCK, VA 22482 |
* | $ n/a | 4 | $ 540,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 4 | $ 910,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 4 | $ 700,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 3 | $ 415,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 3 | $ 375,000 |
| Primis Bank GLEN ALLEN, VA 23060 |
* | $ n/a | 3 | $ 925,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ n/a | 3 | $ 1,265,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ n/a | 3 | $ 645,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ n/a | 3 | $ 565,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 655,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 3 | $ 805,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 3 | $ 885,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 3 | $ 215,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 2 | $ 520,000 |
| Topside Federal Credit Union PO BOX 519 DAHLGREN, VA 22448 |
* | $ n/a | 2 | $ 130,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 880,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 310,000 |
| Blue Ridge Bank P.O. BOX 609, 17 WEST MAIN ST LURAY, VA 22835 |
* | $ n/a | 2 | $ 440,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 380,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 2 | $ 330,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 2 | $ 490,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 490,000 |
| Freedom First Federal Credit Union 5240 VALLEYPARK DRIVE ROANOKE, VA 24019 |
* | $ n/a | 2 | $ 770,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 2 | $ 340,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 2 | $ 550,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 2 | $ 310,000 |
| Shore United Bank, N.A. 18 EAST DOVER STREET EASTON, MD 21601 |
* | $ n/a | 1 | $ 205,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ n/a | 1 | $ 225,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 215,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 285,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 225,000 |
| Colonial Farm Credit Aca 7104 MECHANICSVILLE TURNPIKE MECHANICSVILLE, VA 23111 |
* | $ n/a | 1 | $ 165,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 55,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 1,135,000 |
| Signal Financial FCU 3015 UNIVERSITY BLVD., W KENSINGTON, MD 20895 |
* | $ n/a | 1 | $ 55,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ n/a | 1 | $ 485,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 1 | $ 125,000 |
| Educational Systems FCU PO BOX 179 GREENBELT, MD 20768 |
* | $ n/a | 1 | $ 115,000 |
| Tidewater Home Funding, LLC 1108 EDEN WAY CHESAPEAKE, VA 23320 |
* | $ n/a | 1 | $ 265,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ n/a | 1 | $ 415,000 |
| Atlantic Coast Mortgage, LLC 4100 MONUMENT CORNER DRIVE, SUITE 300 FAIRFAX, VA 22030 |
* | $ n/a | 1 | $ 195,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ n/a | 1 | $ 255,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ n/a | 1 | $ 205,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 155,000 |
| Encompass Lending Group, L.P. 23108 SEVEN MEADOWS PKWY SUITE 100 KATY, TX 77494 |
* | $ n/a | 1 | $ 395,000 |
| Nymeo Federal Credit Union 5210 CHAIRMANS COURT FREDERICK, MD 21703 |
* | $ n/a | 1 | $ 245,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 315,000 |
| 1st Signature Lending, LLC 9800 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 225,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ n/a | 1 | $ 105,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 145,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 1 | $ 185,000 |
| First Home Mortgage 6211 GREENLEIGH AVENUE SUITE 300 BALTIMORE, MD 21220 |
* | $ n/a | 1 | $ 435,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 95,000 |
| Loansteady LLC 8401 GREENSBORO DRIVE SUITE 950 MCCLEAN, VA 22102 |
* | $ n/a | 1 | $ 115,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 1 | $ 205,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 1 | $ 335,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 25,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 385,000 |
The tables below break down 2024 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 2024
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 151 | $36,735,000 | $243,000 | $1,325,000 | $110,000 | $937,000 |
| Cash-out Refinancing | 50 | $10,370,000 | $207,000 | $495,000 | $78,000 | $300,000 |
| Other Purpose | 42 | $3,860,000 | $91,000 | $405,000 | $86,000 | $239,000 |
| Refinancing | 32 | $5,840,000 | $182,000 | $545,000 | $113,000 | $492,000 |
| Home Improvement | 23 | $1,995,000 | $86,000 | $205,000 | $113,000 | $333,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 175 | $33,695,000 | $192,000 | $1,325,000 | $103,000 | $492,000 |
| Black or African American | 42 | $6,440,000 | $153,000 | $295,000 | $75,000 | $346,000 |
| Not applicable | 32 | $8,110,000 | $253,000 | $485,000 | $78,000 | $78,000 |
| Not Provided | 23 | $4,935,000 | $214,000 | $555,000 | $119,000 | $808,000 |
| Hispanic | 18 | $3,070,000 | $170,000 | $385,000 | $79,000 | $157,000 |
| American Indian or Alaskan Native | 5 | $885,000 | $177,000 | $325,000 | $111,000 | $148,000 |
| Asian | 3 | $1,665,000 | $555,000 | $1,135,000 | $374,000 | $937,000 |
| 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) | 207 | $36,465,000 | $176,000 | $1,325,000 | $107,000 | $937,000 |
| FHA-insured (Federal Housing Administration) | 67 | $15,225,000 | $227,000 | $375,000 | $84,000 | $202,000 |
| VA-guaranteed (Veterans Administration) | 20 | $6,230,000 | $311,000 | $555,000 | $92,000 | $273,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $880,000 | $220,000 | $225,000 | $75,000 | $80,000 |
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 | 144 | $30,580,000 | $212,000 | $1,325,000 | $119,000 | $937,000 |
| Application Denied By Financial Institution | 56 | $7,270,000 | $129,000 | $345,000 | $70,000 | $244,000 |
| Loan Purchased By The Institution | 34 | $8,710,000 | $256,000 | $485,000 | $82,000 | $98,000 |
| Application Withdrawn By Applicant | 32 | $7,210,000 | $225,000 | $545,000 | $103,000 | $492,000 |
| File Closed For Incompleteness | 25 | $4,095,000 | $163,000 | $395,000 | $80,000 | $333,000 |
| Application Approved But Not Accepted | 6 | $740,000 | $123,000 | $195,000 | $72,000 | $163,000 |
| Preapproval Approved but not Accepted | 1 | $195,000 | $195,000 | $195,000 | $50,000 | $50,000 |
| 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 | 238 | $50,930,000 | $213,000 | $1,325,000 | $110,000 | $937,000 |
| Credit History | 20 | $2,400,000 | $120,000 | $295,000 | $67,000 | $150,000 |
| Debt-To-Income Ratio | 19 | $2,085,000 | $109,000 | $315,000 | $68,000 | $197,000 |
| Collateral | 9 | $1,315,000 | $146,000 | $325,000 | $90,000 | $244,000 |
| Credit Application Incomplete | 4 | $600,000 | $150,000 | $235,000 | $64,000 | $90,000 |
| Unverifiable Information | 4 | $810,000 | $202,000 | $345,000 | $68,000 | $110,000 |
| Other | 3 | $325,000 | $108,000 | $265,000 | $64,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $335,000 | $335,000 | $335,000 | $146,000 | $146,000 |
| 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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