Floyd County, VA Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 595 mortgage applications in Floyd County, VA totaling $122.7 million, up 29% from 2024. The average application was for $206,000, and applicants reported an average income of $101,000. 55% of applications resulted in an originated loan and 16% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 54 applications, followed by Alcova Mortgage, LLC and Skyline National Bank.

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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 595
Total Mortgage Loan Application Amount $122,735,000
Average Mortgage Loan Application Amount $206,000
Highest Mortgage Loan Application Amount $1,205,000
Average Applicant Income $101,000
Highest Applicant Income $858,000

Mortgage Company List for Lending in Floyd County, VA for 2025

* 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
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 54 $ 8,230,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ n/a 46 $ 10,570,000
Skyline National Bank
PO BOX 186
INDEPENDENCE, VA 24348
* $ n/a 43 $ 7,325,000
Atlantic Union Bank
1051 EAST CARY STREET, SUITE 1200
GLEN ALLEN, VA 23060
* $ n/a 34 $ 4,530,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 26 $ 7,200,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 22 $ 5,230,000
Freedom First Federal Credit Union
5240 VALLEYPARK DRIVE
ROANOKE, VA 24019
* $ n/a 19 $ 2,565,000
First Bank and Trust Company
PO BOX 1000
ABINGDON, VA 24212
* $ n/a 16 $ 4,720,000
Virginia Federal Credit Union
PO BOX 90010
RICHMOND, VA 23225
* $ n/a 16 $ 2,000,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ n/a 14 $ 4,360,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ n/a 13 $ 1,245,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 13 $ 2,735,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 11 $ 2,155,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 10 $ 1,410,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 10 $ 2,760,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 9 $ 1,925,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 9 $ 715,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 8 $ 2,260,000
Farm Credit of the Virginias, Aca
106 SANGERS LANE
STAUNTON, VA 24401
* $ n/a 8 $ 1,900,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 7 $ 995,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 6 $ 690,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 6 $ 1,000,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 5 $ 1,855,000
Carter Bank and Trust
PO BOX 3748
MARTINSVILLE, VA 24112
* $ n/a 5 $ 415,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 5 $ 1,235,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 5 $ 815,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 4 $ 1,040,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 4 $ 1,240,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ n/a 4 $ 1,120,000
First Heritage Mortgage, LLC
11325 RANDOM HILLS RD SUITE 600
FAIRFAX, VA 22031
* $ n/a 4 $ 1,120,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 4 $ 1,690,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 4 $ 980,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 3 $ 255,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 3 $ 195,000
National Bank of Blacksburg
P.O. BOX 90002
BLACKSBURG, VA 24060
* $ n/a 3 $ 885,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 3 $ 565,000
Cnb Bank
1 S SECOND STREET
CLEARFIELD, PA 16830
* $ n/a 3 $ 605,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 3 $ 505,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 3 $ 645,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 3 $ 315,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 3 $ 1,065,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 3 $ 755,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 3 $ 205,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 3 $ 865,000
Blue Eagle Credit Union
2121 ELECTRIC RD
ROANOKE, VA 24018
* $ n/a 3 $ 635,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 2 $ 360,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 2 $ 200,000
Integrity Home Mortgage Corporation
122 PILOT CIRCLE
WINCHESTER, VA 22602
* $ n/a 2 $ 1,060,000
First Community Bank
29 COLLEGE DR
BLUEFIELD, VA 24605
* $ n/a 2 $ 230,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 2 $ 440,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 2 $ 370,000
Langley Federal Credit Union
721 LAKEFRONT COMMONS, SUITE 102
NEWPORT NEWS, VA 23606
* $ n/a 2 $ 80,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 2 $ 620,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 2 $ 360,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 2 $ 590,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 2 $ 500,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 2 $ 300,000
First Home Mortgage
6211 GREENLEIGH AVENUE SUITE 300
BALTIMORE, MD 21220
* $ n/a 2 $ 620,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 2 $ 670,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 2 $ 360,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 2 $ 100,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 2 $ 510,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 2 $ 730,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 2 $ 230,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 2 $ 280,000
Southern Bank and Trust Company
PO BOX 729
MOUNT OLIVE, NC 28365
* $ n/a 1 $ 295,000
Champions Funding, LLC
365 E GERMANN RD #140
GILBERT, AZ 85297
* $ n/a 1 $ 255,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 1 $ 85,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 1 $ 245,000
State Employees' Credit Union
P.O. DRAWER 25279
RALEIGH, NC 27611
* $ n/a 1 $ 355,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ n/a 1 $ 225,000
Civic FCU
P.O. DRAWER 25279
RALEIGH, NC 27609
* $ n/a 1 $ 165,000
The Fidelity Bank
100 S. MAIN STREET
FUQUAY-VARINA, NC 27526
* $ n/a 1 $ 195,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 1 $ 165,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 1 $ 225,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ n/a 1 $ 745,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ n/a 1 $ 205,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 1 $ 135,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 1 $ 245,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ n/a 1 $ 375,000
Pfn Lending Group, Inc.
5016 N PARKWAY CALABASAS
CALABASAS, CA 91302
* $ n/a 1 $ 605,000
Traditional Mortgage Acceptance Corporation
777 108TH AVE NE #1670
BELLEVUE, WA 98004
* $ n/a 1 $ 195,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ n/a 1 $ 955,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ n/a 1 $ 325,000
The Bank of Marion
PO BOX 1067
MARION, VA 24354
* $ n/a 1 $ 155,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ n/a 1 $ 105,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 1 $ 485,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ n/a 1 $ 195,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 1 $ 65,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 1 $ 245,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 1 $ 195,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 1 $ 255,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 1 $ 345,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ n/a 1 $ 625,000
Merchants Mortgage & Trust Corporation
7400 E CRESTLINE CIR #250
GREENWOOD VILLAGE, CO 80111
* $ n/a 1 $ 205,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 1 $ 185,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ n/a 1 $ 135,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ n/a 1 $ 285,000
Suncoast Credit Union
6801 E HILLSBOROUGH AVE
TAMPA, FL 33610
* $ n/a 1 $ 45,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 1 $ 155,000
Bank of Botetourt
19747 MAIN STREET
BUCHANAN, VA 24066
* $ n/a 1 $ 365,000
First Bank
112 W KING ST
STRASBURG, VA 22657
* $ n/a 1 $ 255,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 1 $ 135,000
New Peoples Bank, Inc
PO BOX 1810
HONAKER, VA 24260
* $ n/a 1 $ 185,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 1 $ 515,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 1 $ 235,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ n/a 1 $ 245,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ n/a 1 $ 255,000

The tables below break down 2025 mortgage applications in Floyd 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 Floyd County, VA in 2025

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 282 $69,400,000 $246,000 $955,000 $101,000 $424,000
Cash-out Refinancing 87 $18,895,000 $217,000 $1,205,000 $96,000 $563,000
Other Purpose 87 $10,545,000 $121,000 $605,000 $94,000 $398,000
Refinancing 76 $17,990,000 $236,000 $655,000 $125,000 $858,000
Home Improvement 59 $5,495,000 $93,000 $455,000 $99,000 $465,000
Not Applicable 4 $410,000 $102,000 $185,000 $46,000 $50,000

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 458 $90,320,000 $197,000 $1,205,000 $102,000 $858,000
Not applicable 64 $14,710,000 $229,000 $485,000 $86,000 $141,000
Not Provided 43 $11,585,000 $269,000 $695,000 $113,000 $424,000
Hispanic 11 $2,745,000 $249,000 $605,000 $76,000 $184,000
Black or African American 10 $1,970,000 $197,000 $645,000 $81,000 $132,000
American Indian or Alaskan Native 5 $725,000 $145,000 $275,000 $57,000 $94,000
Asian 3 $605,000 $201,000 $445,000 $115,000 $283,000
Native Hawaiian or Other Pacific Islander 1 $75,000 $75,000 $75,000 $13,000 $13,000

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) 456 $86,460,000 $189,000 $955,000 $106,000 $858,000
FHA-insured (Federal Housing Administration) 92 $20,710,000 $225,000 $515,000 $71,000 $164,000
VA-guaranteed (Veterans Administration) 46 $15,480,000 $336,000 $1,205,000 $104,000 $313,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $85,000 $85,000 $85,000 $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 328 $66,790,000 $203,000 $1,205,000 $109,000 $858,000
Application Denied By Financial Institution 96 $16,070,000 $167,000 $675,000 $81,000 $563,000
Loan Purchased By The Institution 66 $15,280,000 $231,000 $605,000 $94,000 $184,000
File Closed For Incompleteness 46 $8,840,000 $192,000 $655,000 $86,000 $312,000
Application Withdrawn By Applicant 44 $10,600,000 $240,000 $645,000 $102,000 $256,000
Application Approved But Not Accepted 15 $5,155,000 $343,000 $955,000 $119,000 $293,000
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 496 $105,890,000 $213,000 $1,205,000 $106,000 $858,000
Debt-To-Income Ratio 31 $5,145,000 $165,000 $545,000 $63,000 $149,000
Credit History 21 $2,845,000 $135,000 $355,000 $67,000 $253,000
Collateral 20 $4,450,000 $222,000 $675,000 $135,000 $563,000
Unverifiable Information 12 $1,820,000 $151,000 $345,000 $81,000 $182,000
Other 7 $1,145,000 $163,000 $455,000 $82,000 $224,000
Credit Application Incomplete 6 $1,220,000 $203,000 $515,000 $65,000 $100,000
Employment History 2 $220,000 $110,000 $215,000 $66,000 $66,000
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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