A former Richmond-area branch manager for a mortgage firm has been charged with defrauding five mortgage companies and investors of up to $1.4 million. Stacy Lynn Chamberlain, 42, of Unionville has been charged with bank fraud, 18 counts of wire fraud and interstate transportation of money taken by fraud. Chamberlain was arrested yesterday and faces a maximum of 360 years in prison and $5.25 million in fines if convicted. Her March 3 federal indictment was unsealed yesterday.