In 2024, lenders reported 393 mortgage applications in Williamsburg City, VA totaling $108.2 million, up 21% from 2023. The average application was for $275,000, and applicants reported an average income of $166,000. 46% of applications resulted in an originated loan and 21% were denied. The most active lender was Navy Federal Credit Union, with 25 applications, followed by Vanderbilt Mortgage and Finance, Inc and Freedom Mortgage Corporation.
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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 | 393 |
| Total Mortgage Loan Application Amount | $108,205,000 |
| Average Mortgage Loan Application Amount | $275,000 |
| Highest Mortgage Loan Application Amount | $6,845,000 |
| Average Applicant Income | $166,000 |
| Highest Applicant Income | $3,092,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 25 | $ 5,405,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 17 | $ 2,075,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 16 | $ 6,150,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 16 | $ 4,800,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 14 | $ 3,620,000 |
| 1st Advantage Federal Credit U 110 CYBERNETICS WAY YORKTOWN, VA 23693 |
* | $ n/a | 13 | $ 975,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 12 | $ 3,060,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ n/a | 12 | $ 3,570,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 11 | $ 4,055,000 |
| Bayport Credit Union 2107 HARTFORD RD, SUITE B NEWPORT NEWS, VA 23606 |
* | $ n/a | 11 | $ 1,575,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 10 | $ 2,510,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 9 | $ 1,715,000 |
| Langley Federal Credit Union 721 LAKEFRONT COMMONS, SUITE 102 NEWPORT NEWS, VA 23606 |
* | $ n/a | 9 | $ 405,000 |
| Townebank 5716 HIGH STREET WEST PORTSMOUTH, VA 23703 |
* | $ n/a | 9 | $ 3,055,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 8 | $ 740,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 8 | $ 2,580,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 7 | $ 2,215,000 |
| Towne Mortgage 3 COMMERCIAL PLACE STE 1440 NORFOLK, VA 23510 |
* | $ n/a | 6 | $ 2,370,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 6 | $ 1,920,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 5 | $ 1,915,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 5 | $ 1,385,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 5 | $ 325,000 |
| Chesapeake Bank 35 SCHOOL STREET, PO BOX 2256 KILMARNOCK, VA 22482 |
* | $ n/a | 5 | $ 765,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 5 | $ 1,635,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 5 | $ 1,765,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 4 | $ 1,090,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 4 | $ 540,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ n/a | 4 | $ 1,030,000 |
| Blue Ridge Bank P.O. BOX 609, 17 WEST MAIN ST LURAY, VA 22835 |
* | $ n/a | 4 | $ 1,320,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 4 | $ 710,000 |
| Citizens and Farmers Bank 415 14TH STREET WEST POINT, VA 23181 |
* | $ n/a | 3 | $ 7,725,000 |
| Tidewater Home Funding, LLC 1108 EDEN WAY CHESAPEAKE, VA 23320 |
* | $ n/a | 3 | $ 565,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ n/a | 3 | $ 1,395,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ n/a | 3 | $ 1,465,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 825,000 |
| Dollar Bank, FSB #3 GATEWAY CENTER, SEVEN WEST PITTSBURGH, PA 15222 |
* | $ n/a | 3 | $ 1,295,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 1,095,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 3 | $ 1,505,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 3 | $ 185,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ n/a | 3 | $ 495,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 2 | $ 490,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 2 | $ 350,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 300,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ n/a | 2 | $ 960,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ n/a | 2 | $ 530,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 510,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 2 | $ 730,000 |
| Intercoastal Mortgage, LLC 11911 FREEDOM DRIVE SUITE 500 RESTON, VA 20190 |
* | $ n/a | 2 | $ 1,050,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 2 | $ 360,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 2 | $ 870,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ n/a | 2 | $ 1,000,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 570,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 2 | $ 790,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ n/a | 2 | $ 540,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 970,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 2 | $ 530,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 2 | $ 200,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 620,000 |
| Rw Towne, LLC 3 COMMERCIAL PL STE 1410 NORFOLK, VA 23510 |
* | $ n/a | 2 | $ 560,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ n/a | 2 | $ 450,000 |
| Firstrust Savings Bank 1 WALNUT GROVE DRIVE HORSHAM, PA 19044 |
* | $ n/a | 1 | $ 235,000 |
| Atlantic Coast Mortgage, LLC 4100 MONUMENT CORNER DRIVE, SUITE 300 FAIRFAX, VA 22030 |
* | $ n/a | 1 | $ 525,000 |
| Riverhills Bank 553 CHAMBER DRIVE MILFORD, OH 45150 |
* | $ n/a | 1 | $ 365,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ n/a | 1 | $ 195,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 695,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 75,000 |
| City 1st Mortgage Services, Lc 750 S. MAIN SUITE 104 BOUNTIFUL, UT 84010 |
* | $ n/a | 1 | $ 345,000 |
| Valley West Corporation 8010 W SAHARA AVE SUITE #140 LAS VEGAS, NV 89117 |
* | $ n/a | 1 | $ 315,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ n/a | 1 | $ 125,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ n/a | 1 | $ 415,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 355,000 |
| Capital Bank, N.A. ONE CHURCH ST SUITE 300 ROCKVILLE, MD 20850 |
* | $ n/a | 1 | $ 205,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 55,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 1 | $ 75,000 |
| Archer Mortgage LLC 1100 LASKIN RD SERVICE RD SUITE 200 VIRGINIA BEACH, VA 23451 |
* | $ n/a | 1 | $ 375,000 |
| Hanscom Federal Credit Union 1610 EGLIN ST HANSCOM AFB, MA 01731 |
* | $ n/a | 1 | $ 265,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 25,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ n/a | 1 | $ 295,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 215,000 |
| Goprime Mortgage, Inc. 320 N SALEM STREET APEX, NC 27502 |
* | $ n/a | 1 | $ 355,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 315,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ n/a | 1 | $ 805,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 605,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 85,000 |
| Princeton Mortgage Corporation 2482 PENNINGTON ROAD SUITE 1 EWING, NJ 08628 |
* | $ n/a | 1 | $ 65,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ n/a | 1 | $ 205,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ n/a | 1 | $ 175,000 |
| The Old Point National Bank of Phoebus 1 W MELLEN STREET HAMPTON, VA 23669 |
* | $ n/a | 1 | $ 195,000 |
| Chartway FCU 5700 CLEVELAND STREET VIRGINIA BEACH, VA 23462 |
* | $ n/a | 1 | $ 65,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 155,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ n/a | 1 | $ 245,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 155,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ n/a | 1 | $ 115,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ n/a | 1 | $ 185,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 155,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 455,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 85,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 315,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 305,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 555,000 |
| Mainstreet Bank 10089 FAIRFAX BLVD FAIFAX, VA 22030 |
* | $ n/a | 1 | $ 135,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ n/a | 1 | $ 305,000 |
| Garrett Mortgage LLC 11864 CANON BLVD STE 103 NEWPORT NEWS, VA 23606 |
* | $ n/a | 1 | $ 265,000 |
The tables below break down 2024 mortgage applications in Williamsburg City, VA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 228 | $69,980,000 | $306,000 | $765,000 | $186,000 | $3,092,000 |
| Refinancing | 51 | $16,155,000 | $316,000 | $805,000 | $141,000 | $784,000 |
| Home Improvement | 45 | $11,035,000 | $245,000 | $6,845,000 | $146,000 | $598,000 |
| Other Purpose | 38 | $3,050,000 | $80,000 | $395,000 | $156,000 | $921,000 |
| Cash-out Refinancing | 31 | $7,985,000 | $257,000 | $805,000 | $114,000 | $598,000 |
| 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 | 226 | $55,120,000 | $243,000 | $805,000 | $165,000 | $3,092,000 |
| Not applicable | 57 | $26,175,000 | $459,000 | $6,845,000 | $203,000 | $330,000 |
| Not Provided | 50 | $11,310,000 | $226,000 | $595,000 | $160,000 | $921,000 |
| Black or African American | 32 | $7,550,000 | $235,000 | $545,000 | $114,000 | $293,000 |
| Hispanic | 19 | $5,705,000 | $300,000 | $595,000 | $205,000 | $696,000 |
| Asian | 8 | $2,060,000 | $257,000 | $635,000 | $138,000 | $223,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $285,000 | $285,000 | $285,000 | $1,600,000 | $1,600,000 |
| American Indian or Alaskan Native | 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) | 281 | $68,865,000 | $245,000 | $6,845,000 | $182,000 | $3,092,000 |
| VA-guaranteed (Veterans Administration) | 80 | $30,490,000 | $381,000 | $695,000 | $127,000 | $282,000 |
| FHA-insured (Federal Housing Administration) | 32 | $8,850,000 | $276,000 | $475,000 | $82,000 | $251,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 181 | $56,325,000 | $311,000 | $6,845,000 | $195,000 | $3,092,000 |
| Application Denied By Financial Institution | 82 | $15,210,000 | $185,000 | $755,000 | $114,000 | $921,000 |
| Application Withdrawn By Applicant | 54 | $14,740,000 | $272,000 | $725,000 | $163,000 | $1,600,000 |
| Loan Purchased By The Institution | 46 | $15,340,000 | $333,000 | $805,000 | $240,000 | $330,000 |
| File Closed For Incompleteness | 18 | $3,590,000 | $199,000 | $695,000 | $91,000 | $275,000 |
| Application Approved But Not Accepted | 10 | $2,420,000 | $242,000 | $695,000 | $173,000 | $536,000 |
| Preapproval Approved but not Accepted | 1 | $305,000 | $305,000 | $305,000 | $171,000 | $171,000 |
| Preapproval Denied by Financial Institution | 1 | $275,000 | $275,000 | $275,000 | $67,000 | $67,000 |
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 | 309 | $92,585,000 | $299,000 | $6,845,000 | $182,000 | $3,092,000 |
| Credit History | 23 | $3,035,000 | $131,000 | $365,000 | $89,000 | $293,000 |
| Debt-To-Income Ratio | 19 | $5,035,000 | $265,000 | $755,000 | $89,000 | $251,000 |
| Collateral | 14 | $2,890,000 | $206,000 | $495,000 | $131,000 | $400,000 |
| Credit Application Incomplete | 13 | $2,405,000 | $185,000 | $435,000 | $212,000 | $921,000 |
| Other | 6 | $760,000 | $126,000 | $345,000 | $70,000 | $140,000 |
| Unverifiable Information | 5 | $675,000 | $135,000 | $195,000 | $57,000 | $80,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $820,000 | $205,000 | $275,000 | $59,000 | $64,000 |
| 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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