Floyd County, VA Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 457 mortgage applications in Floyd County, VA totaling $78.8 million, down 31% from 2022. The average application was for $172,000, and applicants reported an average income of $97,000. 52% of applications resulted in an originated loan and 18% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 47 applications, followed by Atlantic Union Bank 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 | 457 |
| Total Mortgage Loan Application Amount | $78,835,000 |
| Average Mortgage Loan Application Amount | $172,000 |
| Highest Mortgage Loan Application Amount | $925,000 |
| Average Applicant Income | $97,000 |
| Highest Applicant Income | $1,004,000 |
* 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 |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 47 | $ 6,135,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ 20,342,081,000 | 43 | $ 4,715,000 |
| Skyline National Bank PO BOX 186 INDEPENDENCE, VA 24348 |
* | $ 997,453,000 | 36 | $ 5,110,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ -1,000 | 27 | $ 5,875,000 |
| Freedom First Federal Credit Union 5240 VALLEYPARK DRIVE ROANOKE, VA 24019 |
* | $ 1,043,847,000 | 19 | $ 3,035,000 |
| Member One Federal Credit Union P.O. BOX 12288 ROANOKE, VA 24024 |
* | $ 1,553,016,000 | 17 | $ 1,565,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ 4,131,234,000 | 15 | $ 1,205,000 |
| First Bank and Trust Company PO BOX 1000 ABINGDON, VA 24212 |
* | $ 3,140,875,000 | 13 | $ 2,405,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 13 | $ 3,135,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 11 | $ 715,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 10 | $ 1,980,000 |
| American National Bank and Trust Company 628 MAIN STREET DANVILLE, VA 24541 |
* | $ 3,061,152,000 | 8 | $ 880,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 8 | $ 1,040,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 7 | $ 1,005,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 7 | $ 1,235,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 7 | $ 2,005,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 7 | $ 2,105,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 6 | $ 1,370,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 3,112,618,000 | 6 | $ 930,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 6 | $ 1,980,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 16,995,485,000 | 6 | $ 1,760,000 |
| Carter Bank and Trust PO BOX 3748 MARTINSVILLE, VA 24112 |
* | $ 4,199,820,000 | 6 | $ 1,080,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 6 | $ 1,230,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 5 | $ 1,325,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 5 | $ 1,115,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 4 | $ 480,000 |
| National Bank of Blacksburg P.O. BOX 90002 BLACKSBURG, VA 24060 |
* | $ 1,674,446,000 | 4 | $ 1,090,000 |
| Blue Eagle Credit Union 2121 ELECTRIC RD ROANOKE, VA 24018 |
* | $ 210,818,000 | 3 | $ 215,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 465,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 3 | $ 155,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 50,970,402,000 | 3 | $ 605,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ -1,000 | 3 | $ 455,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 5,086,461,000 | 3 | $ 235,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 3 | $ 745,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 575,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 3 | $ 1,135,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 3 | $ 765,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 510,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 510,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 310,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 154,203,000,000 | 2 | $ 230,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 2 | $ 1,270,000 |
| The Bank of Marion PO BOX 1067 MARION, VA 24354 |
* | $ 553,654,000 | 2 | $ 950,000 |
| First Heritage Mortgage, LLC 11325 RANDOM HILLS RD SUITE 600 FAIRFAX, VA 22031 |
* | $ -1,000 | 2 | $ 500,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 540,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 2 | $ 130,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 16,117,865,000 | 2 | $ 130,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 840,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 109,180,139,000 | 2 | $ 410,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,766,752,000,000 | 2 | $ 440,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 250,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 460,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 5,751,484,000 | 1 | $ 65,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 185,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 1 | $ 95,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 245,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ -1,000 | 1 | $ 325,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 225,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 215,000 |
| Bank of Botetourt 19747 MAIN STREET BUCHANAN, VA 24066 |
* | $ 715,514,000 | 1 | $ 195,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 386,799,237,000 | 1 | $ 285,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 1 | $ 295,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 255,000 |
| First Reliance Bank 2170 W PALMETTO ST FLORENCE, SC 29501 |
* | $ 934,534,000 | 1 | $ 105,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ -1,000 | 1 | $ 295,000 |
| Langley Federal Credit Union 721 LAKEFRONT COMMONS, SUITE 102 NEWPORT NEWS, VA 23606 |
* | $ 5,060,479,000 | 1 | $ 35,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 245,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 135,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 1 | $ 5,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 1 | $ 65,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 1 | $ 85,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 355,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 175,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 305,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 105,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 185,000 |
| Blue Ridge Bank P.O. BOX 609, 17 WEST MAIN ST LURAY, VA 22835 |
* | $ 3,098,582,000 | 1 | $ 65,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 225,000 |
| Bank of the James 828 MAIN STREET LYNCHBURG, VA 24504 |
* | $ 918,549,000 | 1 | $ 105,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 225,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 95,000 |
| Intercoastal Mortgage, LLC 11911 FREEDOM DRIVE SUITE 500 RESTON, VA 20190 |
* | $ -1,000 | 1 | $ 275,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 65,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 305,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ 19,808,858,000 | 1 | $ 55,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 185,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 75,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ -1,000 | 1 | $ 285,000 |
| American Security Mortgage Cor 2101 REXFORD RD. SUITE 100E CHARLOTTE, NC 28207 |
* | $ -1,000 | 1 | $ 145,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ 4,087,397,000 | 1 | $ 125,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 255,000 |
The tables below break down 2023 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 2023
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 | 231 | $52,005,000 | $225,000 | $925,000 | $104,000 | $521,000 |
| Other Purpose | 77 | $6,395,000 | $83,000 | $465,000 | $79,000 | $232,000 |
| Refinancing | 50 | $9,550,000 | $191,000 | $605,000 | $119,000 | $1,004,000 |
| Cash-out Refinancing | 49 | $6,965,000 | $142,000 | $295,000 | $76,000 | $323,000 |
| Home Improvement | 49 | $3,915,000 | $79,000 | $355,000 | $100,000 | $311,000 |
| Not Applicable | 1 | $5,000 | $5,000 | $5,000 | $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 | 349 | $57,335,000 | $164,000 | $925,000 | $97,000 | $1,004,000 |
| Not Provided | 48 | $9,810,000 | $204,000 | $635,000 | $102,000 | $269,000 |
| Not applicable | 37 | $7,595,000 | $205,000 | $495,000 | $85,000 | $126,000 |
| Hispanic | 12 | $1,970,000 | $164,000 | $425,000 | $81,000 | $182,000 |
| American Indian or Alaskan Native | 5 | $815,000 | $163,000 | $355,000 | $129,000 | $173,000 |
| Asian | 3 | $815,000 | $271,000 | $315,000 | $136,000 | $199,000 |
| Black or African American | 2 | $180,000 | $90,000 | $125,000 | $56,000 | $72,000 |
| 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) | 380 | $61,300,000 | $161,000 | $925,000 | $99,000 | $1,004,000 |
| FHA-insured (Federal Housing Administration) | 56 | $10,080,000 | $180,000 | $355,000 | $71,000 | $173,000 |
| VA-guaranteed (Veterans Administration) | 13 | $5,495,000 | $422,000 | $925,000 | $172,000 | $358,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,960,000 | $245,000 | $285,000 | $80,000 | $93,000 |
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 | 238 | $44,280,000 | $186,000 | $925,000 | $111,000 | $1,004,000 |
| Application Denied By Financial Institution | 82 | $10,190,000 | $124,000 | $925,000 | $70,000 | $346,000 |
| Application Withdrawn By Applicant | 61 | $11,105,000 | $182,000 | $725,000 | $89,000 | $321,000 |
| Loan Purchased By The Institution | 33 | $7,075,000 | $214,000 | $495,000 | $144,000 | $354,000 |
| File Closed For Incompleteness | 32 | $4,560,000 | $142,000 | $635,000 | $83,000 | $256,000 |
| Application Approved But Not Accepted | 11 | $1,625,000 | $147,000 | $475,000 | $91,000 | $282,000 |
| 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 | 372 | $68,020,000 | $182,000 | $925,000 | $103,000 | $1,004,000 |
| Credit History | 25 | $2,265,000 | $90,000 | $315,000 | $69,000 | $141,000 |
| Debt-To-Income Ratio | 24 | $3,960,000 | $165,000 | $925,000 | $77,000 | $434,000 |
| Unverifiable Information | 13 | $1,455,000 | $111,000 | $185,000 | $63,000 | $137,000 |
| Collateral | 11 | $1,125,000 | $102,000 | $275,000 | $84,000 | $269,000 |
| Credit Application Incomplete | 7 | $1,675,000 | $239,000 | $465,000 | $94,000 | $167,000 |
| Other | 4 | $330,000 | $82,000 | $205,000 | $72,000 | $133,000 |
| Employment History | 1 | $5,000 | $5,000 | $5,000 | $33,000 | $33,000 |
| 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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