Surry County, VA Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 368 mortgage applications in Surry County, VA totaling $60.3 million, down 20% from 2009. The average application was for $163,000, and applicants reported an average income of $63,000. 45% of applications resulted in an originated loan and 20% were denied. The most active lender was Wells Fargo Bank, NA, with 46 applications, followed by Bank of America, N.A. and Branch Banking and Trust Co.
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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 | 368 |
| Total Mortgage Loan Application Amount | $60,280,000 |
| Average Mortgage Loan Application Amount | $163,000 |
| Highest Mortgage Loan Application Amount | $467,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $407,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 46 | $ 7,128,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 42 | $ 7,909,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 30 | $ 3,185,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 17 | $ 3,120,000 |
| Bayport Credit Union 2107 HARTFORD RD, SUITE B NEWPORT NEWS, VA 23606 |
* | $ 1,120,985,000 | 14 | $ 1,993,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 12 | $ 2,561,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 11 | $ 2,136,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 10 | $ 2,361,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 1,282,000 |
| Evb PO BOX 1455 TAPPAHANNOCK, VA 22560 |
* | $ 1,126,189,000 | 8 | $ 226,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 8 | $ 1,400,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 7 | $ 1,380,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 1,941,835,000 | 6 | $ 704,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 6 | $ 1,216,000 |
| Southern Trust Mortgage LLC 4433 CORPORATION LANE, SUITE 300 VIRGINIA BEACH, VA 23462 |
* | $ 935,253,000 | 6 | $ 947,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 6 | $ 1,044,000 |
| Townebank 5716 HIGH STREET WEST PORTSMOUTH, VA 23703 |
* | $ 3,606,457,000 | 5 | $ 726,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 5 | $ 580,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ 10,000,000 | 5 | $ 1,044,000 |
| Evb Mortgage LLC 4433 CORPORATION LANE #300 VIRGINIA BEACH, VA 23462 |
* | $ 176,555,000 | 5 | $ 1,037,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 627,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 4 | $ 950,000 |
| Weststar Mortgage, Inc. 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 4 | $ 729,000 |
| Fulton Bank, National Association ONE PENN SQUARE LANCASTER, PA 17602 |
* | $ 8,429,059,000 | 4 | $ 456,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 4 | $ 716,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 4 | $ 132,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 164,340,844,000 | 4 | $ 485,000 |
| Colonial Farm Credit Aca 7104 MECHANICSVILLE TURNPIKE MECHANICSVILLE, VA 23111 |
* | $ 10,000,000 | 4 | $ 452,000 |
| Prosperity Mortgage Company 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,788,563,000 | 4 | $ 988,000 |
| Monarch Bank 1435 CROSSWAYS BOULEVARD, SUITE 101 CHESAPEAKE, VA 23320 |
* | $ 689,665,000 | 3 | $ 517,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 3 | $ 365,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 451,000 |
| Farmers Bank, Windsor, Virginia 50 E WINDSOR BLVD WINDSOR, VA 23487 |
* | $ 420,525,000 | 3 | $ 218,000 |
| Dominion Energy Credit Union PO BOX 26646 RICHMOND, VA 23225 |
* | $ 203,128,000 | 3 | $ 288,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 3 | $ 703,000 |
| 1st Advantage Federal Credit U 110 CYBERNETICS WAY YORKTOWN, VA 23693 |
* | $ 504,360,000 | 3 | $ 423,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 3 | $ 383,000 |
| Member Advantage Mortgage 3330 BROADMOOR SE, SUITE B GRAND RAPIDS, MI 49512 |
* | $ 8,810,000 | 2 | $ 235,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 396,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 2 | $ 357,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 127,360,045,000 | 2 | $ 533,000 |
| The Bank of Southside Virginia P. O. BOX 40 CARSON, VA 23830 |
* | $ 494,120,000 | 2 | $ 152,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 333,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 232,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 103,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ 39,000,000 | 1 | $ 133,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 197,928,000 | 1 | $ 68,000 |
| Citizens and Farmers Bank 415 14TH STREET WEST POINT, VA 23181 |
* | $ 883,523,000 | 1 | $ 58,000 |
| 1st National Bank of South Flo 1550 NORTH KROME AVENUE, PO DRAWER 128 HOMESTEAD, FL 33030 |
* | $ 282,477,000 | 1 | $ 25,000 |
| Union Bank & Trust 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 2,037,566,000 | 1 | $ 10,000 |
| Touchstone Bank PRINCE GEORGE, VA 23875 |
* | $ 183,858,000 | 1 | $ 60,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 1 | $ 228,000 |
| Union Mortgage Group, Inc. 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 2,037,566,000 | 1 | $ 195,000 |
| Langley Federal Credit Union 721 LAKEFRONT COMMONS, SUITE 102 NEWPORT NEWS, VA 23606 |
* | $ 1,673,602,000 | 1 | $ 417,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 169,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 13,969,885,000 | 1 | $ 97,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 1 | $ 158,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 1 | $ 195,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 2,019,000,000 | 1 | $ 195,000 |
| Citizens National Bank P.O. BOX 100 WINDSOR, VA 23487 |
* | $ 47,517,000 | 1 | $ 25,000 |
| Chesapeake Bank 35 SCHOOL STREET, PO BOX 2256 KILMARNOCK, VA 22482 |
* | $ 582,088,000 | 1 | $ 110,000 |
| Affiliated Financial Group, Ll 5690 DTC BLVD GREENWOOD VILLIAGE, CO 80111 |
* | $ 196,687,000 | 1 | $ 428,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 429,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 242,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 53,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 167,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 1 | $ 242,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 170,000 |
| Ameritrust Mortgage Inc. 11016 RUSHMORE DRIVE, SUITE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 396,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 270,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 182,000 |
| American Bank 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 507,491,000 | 1 | $ 123,000 |
| First Choice Bank 669 WHITEHEAD ROAD LAWRENCEVILLE, NJ 08648 |
* | $ 267,565,000 | 1 | $ 184,000 |
| Village Bank Mortgage 13305 MIDLOTHIAN TURNPIKE MIDLOTHIAN, VA 23113 |
* | $ 300,960,000 | 1 | $ 153,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ 1,225,768,000 | 1 | $ 185,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 305,000 |
| Benchmark Mortgage, Inc 4413 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 167,000 |
| 1st Choice Mortgage/Equity Cor 1021 BRIARGATE CIRCLE COLUMBIA, SC 29210 |
* | $ 10,000,000 | 1 | $ 101,000 |
The tables below break down 2010 mortgage applications in Surry 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 Surry County, VA in 2010
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 | 244 | $42,811,000 | $175,000 | $467,000 | $63,000 | $277,000 |
| Home Purchase | 84 | $14,469,000 | $172,000 | $448,000 | $59,000 | $407,000 |
| Home Improvement | 40 | $3,000,000 | $75,000 | $279,000 | $76,000 | $173,000 |
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 | 202 | $36,236,000 | $179,000 | $467,000 | $74,000 | $407,000 |
| Black or African American | 94 | $11,405,000 | $121,000 | $330,000 | $55,000 | $151,000 |
| Not Provided | 39 | $6,734,000 | $172,000 | $429,000 | $75,000 | $159,000 |
| Not applicable | 25 | $4,735,000 | $189,000 | $448,000 | $3,000 | $55,000 |
| Hispanic | 5 | $582,000 | $116,000 | $175,000 | $52,000 | $95,000 |
| American Indian or Alaskan Native | 2 | $381,000 | $190,000 | $208,000 | $26,000 | $52,000 |
| Asian | 1 | $207,000 | $207,000 | $207,000 | $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) | 222 | $32,153,000 | $144,000 | $448,000 | $71,000 | $407,000 |
| FHA-insured (Federal Housing Administration) | 102 | $18,881,000 | $185,000 | $467,000 | $52,000 | $164,000 |
| VA-guaranteed (Veterans Administration) | 41 | $8,592,000 | $209,000 | $429,000 | $54,000 | $138,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $654,000 | $218,000 | $220,000 | $58,000 | $64,000 |
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 | 165 | $26,747,000 | $162,000 | $467,000 | $69,000 | $407,000 |
| Application Denied By Financial Institution | 75 | $11,238,000 | $149,000 | $428,000 | $67,000 | $159,000 |
| Loan Purchased By The Institution | 74 | $14,355,000 | $193,000 | $448,000 | $46,000 | $149,000 |
| Application Withdrawn By Applicant | 32 | $5,192,000 | $162,000 | $429,000 | $58,000 | $192,000 |
| Application Approved But Not Accepted | 16 | $1,754,000 | $109,000 | $225,000 | $82,000 | $173,000 |
| File Closed For Incompleteness | 6 | $994,000 | $165,000 | $305,000 | $49,000 | $126,000 |
| 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 | 16 | $2,829,000 | $176,000 | $362,000 | $81,000 | $148,000 |
| Credit History | 15 | $1,773,000 | $118,000 | $396,000 | $58,000 | $116,000 |
| Debt-To-Income Ratio | 11 | $865,000 | $78,000 | $167,000 | $57,000 | $137,000 |
| Other | 10 | $1,933,000 | $193,000 | $428,000 | $101,000 | $159,000 |
| Credit Application Incomplete | 4 | $853,000 | $213,000 | $330,000 | $55,000 | $83,000 |
| Employment History | 1 | $121,000 | $121,000 | $121,000 | $35,000 | $35,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $121,000 | $121,000 | $121,000 | $35,000 | $35,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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