Craig County, VA Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 250 mortgage applications in Craig County, VA totaling $46.0 million, down 30% from 2020. The average application was for $183,000, and applicants reported an average income of $82,000. 56% of applications resulted in an originated loan and 13% were denied. The most active lender was Alcova Mortgage, LLC, with 17 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 | 250 |
| Total Mortgage Loan Application Amount | $45,970,000 |
| Average Mortgage Loan Application Amount | $183,000 |
| Highest Mortgage Loan Application Amount | $915,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $508,000 |
* 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 |
|---|---|---|---|---|
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ -1,000 | 17 | $ 2,635,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 15 | $ 2,095,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 15 | $ 2,915,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ 17,516,056,000 | 8 | $ 550,000 |
| Freedom First Federal Credit Union 5240 VALLEYPARK DRIVE ROANOKE, VA 24019 |
* | $ 658,588,000 | 8 | $ 2,020,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 8 | $ 1,520,000 |
| Member One Federal Credit Union P.O. BOX 12288 ROANOKE, VA 24024 |
* | $ 1,125,711,000 | 8 | $ 390,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 7 | $ 1,485,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 7 | $ 1,315,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 7 | $ 1,235,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 7 | $ 1,505,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ -1,000 | 7 | $ 1,395,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 5 | $ 795,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 5 | $ 1,165,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 5 | $ 905,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 350,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 39,787,666,000 | 3 | $ 555,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 3 | $ 715,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 325,000 |
| Carter Bank and Trust PO BOX 3748 MARTINSVILLE, VA 24112 |
* | $ 4,006,108,000 | 3 | $ 545,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 3 | $ 575,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 3 | $ 535,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,796,982,000 | 3 | $ 825,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 500,000 |
| Skyline National Bank PO BOX 186 INDEPENDENCE, VA 24348 |
* | $ 705,459,000 | 2 | $ 580,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 2 | $ 450,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 13,387,533,000 | 2 | $ 470,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 480,000 |
| Integrity Home Mortgage Corporation 122 PILOT CIRCLE WINCHESTER, VA 22602 |
* | $ -1,000 | 2 | $ 530,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 2 | $ 350,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 2 | $ 710,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 800,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 550,000 |
| Hometrust Bank PO BOX 10 ASHEVILLE, NC 28802 |
* | $ 3,468,407,000 | 2 | $ 440,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 320,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 2 | $ 380,000 |
| First Reliance Bank 2170 W PALMETTO ST FLORENCE, SC 29501 |
* | $ 659,197,000 | 2 | $ 160,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 170,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 420,000 |
| First Bank and Trust Company PO BOX 1000 ABINGDON, VA 24212 |
* | $ 1,946,484,000 | 2 | $ 600,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 230,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 180,000 |
| Blue Eagle Credit Union 2121 ELECTRIC RD ROANOKE, VA 24018 |
* | $ 157,730,000 | 2 | $ 120,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 420,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ -1,000 | 1 | $ 235,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 1 | $ 315,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,131,130,000 | 1 | $ 115,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 105,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ 2,678,315,000 | 1 | $ 215,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 1 | $ 75,000 |
| Intercoastal Mortgage, LLC 11911 FREEDOM DRIVE SUITE 500 RESTON, VA 20190 |
* | $ -1,000 | 1 | $ 245,000 |
| American National Bank and Trust Company 628 MAIN STREET DANVILLE, VA 24541 |
* | $ 2,464,860,000 | 1 | $ 295,000 |
| Commonwealth One Federal Credit Union 4875 EISENHOWER AVE ALEXANDRIA, VA 22304 |
* | $ 375,381,000 | 1 | $ 15,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 25,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 275,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 185,000 |
| Blue Ridge Bank P.O. BOX 609, 17 WEST MAIN ST LURAY, VA 22835 |
* | $ 959,563,000 | 1 | $ 115,000 |
| National Bank of Blacksburg P.O. BOX 90002 BLACKSBURG, VA 24060 |
* | $ 1,318,594,000 | 1 | $ 205,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 95,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ -1,000 | 1 | $ 185,000 |
| Residential Mortgage Services, Inc. 24 CHRISTOPHER TOPPI DRIVE SOUTH PORTLAND, ME 04106 |
* | $ -1,000 | 1 | $ 255,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 1 | $ 175,000 |
| Citizens and Farmers Bank 415 14TH STREET WEST POINT, VA 23181 |
* | $ 1,625,536,000 | 1 | $ 55,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 185,000 |
| Siwell, Inc., dba Capital Mortgage Services of Tex 4210 50TH ST LUBBOCK, TX 79413 |
* | $ -1,000 | 1 | $ 105,000 |
| Bank of Bird in Hand 309 NORTH RONKS ROAD BIRD IN HAND, PA 17505 |
* | $ 466,312,000 | 1 | $ 295,000 |
| First Home Mortgage 6211 GREENLEIGH AVENUE SUITE 300 BALTIMORE, MD 21220 |
* | $ -1,000 | 1 | $ 245,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 1 | $ 385,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 185,000 |
| Fulton Bank, National Association ONE PENN SQUARE LANCASTER, PA 17602 |
* | $ 21,759,565,000 | 1 | $ 145,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ -1,000 | 1 | $ 215,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 185,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 1 | $ 295,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 85,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 235,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 115,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 285,000 |
| Meridian Bank 9 OLD LINCOLN HIGHWAY MALVERN, PA 19355 |
* | $ 1,149,979,000 | 1 | $ 345,000 |
| Apple Federal Credit Union 4029 RIDGE TOP RD FAIRFAX, VA 22030 |
* | $ 3,036,714,000 | 1 | $ 755,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 1 | $ 115,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 355,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 45,000 |
The tables below break down 2021 mortgage applications in Craig 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 Craig County, VA in 2021
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 | 95 | $19,455,000 | $204,000 | $755,000 | $87,000 | $508,000 |
| Refinancing | 85 | $15,595,000 | $183,000 | $515,000 | $80,000 | $254,000 |
| Cash-out Refinancing | 51 | $9,925,000 | $194,000 | $915,000 | $80,000 | $328,000 |
| Other Purpose | 10 | $540,000 | $54,000 | $115,000 | $73,000 | $173,000 |
| Home Improvement | 8 | $410,000 | $51,000 | $105,000 | $64,000 | $135,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $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 | 207 | $36,045,000 | $174,000 | $755,000 | $80,000 | $508,000 |
| Not Provided | 28 | $5,790,000 | $206,000 | $465,000 | $93,000 | $254,000 |
| Not applicable | 14 | $4,070,000 | $290,000 | $915,000 | $159,000 | $207,000 |
| Hispanic | 1 | $65,000 | $65,000 | $65,000 | $82,000 | $82,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 173 | $29,745,000 | $171,000 | $915,000 | $85,000 | $508,000 |
| VA-guaranteed (Veterans Administration) | 32 | $8,820,000 | $275,000 | $475,000 | $106,000 | $328,000 |
| FHA-insured (Federal Housing Administration) | 30 | $4,680,000 | $156,000 | $285,000 | $51,000 | $111,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $2,725,000 | $181,000 | $285,000 | $54,000 | $112,000 |
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 | 141 | $26,815,000 | $190,000 | $915,000 | $89,000 | $508,000 |
| Application Denied By Financial Institution | 32 | $4,510,000 | $140,000 | $305,000 | $59,000 | $216,000 |
| Application Withdrawn By Applicant | 31 | $5,385,000 | $173,000 | $405,000 | $79,000 | $202,000 |
| File Closed For Incompleteness | 22 | $3,650,000 | $165,000 | $435,000 | $60,000 | $107,000 |
| Loan Purchased By The Institution | 14 | $3,510,000 | $250,000 | $515,000 | $205,000 | $328,000 |
| Application Approved But Not Accepted | 10 | $2,100,000 | $210,000 | $425,000 | $66,000 | $120,000 |
| 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 | 216 | $41,150,000 | $190,000 | $915,000 | $85,000 | $508,000 |
| Credit History | 9 | $1,135,000 | $126,000 | $235,000 | $48,000 | $79,000 |
| Debt-To-Income Ratio | 7 | $1,275,000 | $182,000 | $305,000 | $105,000 | $330,000 |
| Credit Application Incomplete | 6 | $800,000 | $133,000 | $235,000 | $69,000 | $135,000 |
| Collateral | 5 | $635,000 | $127,000 | $235,000 | $66,000 | $100,000 |
| Other | 5 | $515,000 | $103,000 | $175,000 | $52,000 | $114,000 |
| Unverifiable Information | 1 | $195,000 | $195,000 | $195,000 | $50,000 | $50,000 |
| Employment History | 1 | $265,000 | $265,000 | $265,000 | $54,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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