Giles County, VA Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 573 mortgage applications in Giles County, VA totaling $100.5 million, up 10% from 2024. The average application was for $175,000, and applicants reported an average income of $91,000. 50% of applications resulted in an originated loan and 16% were denied. The most active lender was Waterstone Mortgage Corporation, with 41 applications, followed by National Bank of Blacksburg and Truist 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 | 573 |
| Total Mortgage Loan Application Amount | $100,545,000 |
| Average Mortgage Loan Application Amount | $175,000 |
| Highest Mortgage Loan Application Amount | $1,675,000 |
| Average Applicant Income | $91,000 |
| Highest Applicant Income | $698,000 |
* 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 |
|---|---|---|---|---|
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ n/a | 41 | $ 8,175,000 |
| National Bank of Blacksburg P.O. BOX 90002 BLACKSBURG, VA 24060 |
* | $ n/a | 34 | $ 5,460,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 25 | $ 2,585,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 24 | $ 3,200,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 22 | $ 4,470,000 |
| Celco Community Federal Credit Union PO BOX 361 NARROWS, VA 24124 |
* | $ n/a | 21 | $ 2,435,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ n/a | 18 | $ 3,700,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 18 | $ 3,800,000 |
| The First National Bank of Peterstown NARROWS, VA 24124 |
* | $ n/a | 15 | $ 1,955,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 14 | $ 2,990,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 13 | $ 3,845,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 13 | $ 3,935,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ n/a | 13 | $ 2,425,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 12 | $ 2,270,000 |
| Freedom First Federal Credit Union 5240 VALLEYPARK DRIVE ROANOKE, VA 24019 |
* | $ n/a | 12 | $ 1,140,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ n/a | 12 | $ 1,740,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 12 | $ 2,130,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 11 | $ 2,285,000 |
| First Heritage Mortgage, LLC 11325 RANDOM HILLS RD SUITE 600 FAIRFAX, VA 22031 |
* | $ n/a | 10 | $ 2,260,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ n/a | 10 | $ 610,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 10 | $ 1,970,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 8 | $ 1,390,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ n/a | 8 | $ 510,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 7 | $ 1,385,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 7 | $ 1,725,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 6 | $ 980,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 6 | $ 230,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 6 | $ 810,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 6 | $ 1,130,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 5 | $ 525,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 5 | $ 715,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 5 | $ 275,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 4 | $ 930,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 4 | $ 930,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ n/a | 4 | $ 860,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 4 | $ 420,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 4 | $ 560,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 4 | $ 370,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 4 | $ 500,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 4 | $ 590,000 |
| First Bank and Trust Company PO BOX 1000 ABINGDON, VA 24212 |
* | $ n/a | 4 | $ 2,270,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 4 | $ 790,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 3 | $ 655,000 |
| Skyline National Bank PO BOX 186 INDEPENDENCE, VA 24348 |
* | $ n/a | 3 | $ 475,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 3 | $ 625,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 3 | $ 95,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 3 | $ 465,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 3 | $ 475,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 2 | $ 280,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 150,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 2 | $ 370,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 2 | $ 850,000 |
| Royal Pacific Funding 4000 MACARTHUR BLVD TOWER - 7TH NEWPORT BEACH, CA 92660 |
* | $ n/a | 2 | $ 350,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 2 | $ 750,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ n/a | 2 | $ 550,000 |
| The Bank of Marion PO BOX 1067 MARION, VA 24354 |
* | $ n/a | 2 | $ 310,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 530,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 2 | $ 400,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 480,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 200,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 2 | $ 120,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 275,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 215,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 155,000 |
| First Sentinel Bank 315 RAILROAD AVENUE RICHLANDS, VA 24641 |
* | $ n/a | 1 | $ 295,000 |
| Langley Federal Credit Union 721 LAKEFRONT COMMONS, SUITE 102 NEWPORT NEWS, VA 23606 |
* | $ n/a | 1 | $ 25,000 |
| Washington Trust Bank 717 W SPRAGUE AVE SPOKANE, WA 99201 |
* | $ n/a | 1 | $ 205,000 |
| Cv3 Financial Services, LLC 2101 E EL SEGUNDO BLVD SUITE #203 EL SEGUNDO, CA 90245 |
* | $ n/a | 1 | $ 265,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 75,000 |
| Citizens and Farmers Bank 415 14TH STREET WEST POINT, VA 23181 |
* | $ n/a | 1 | $ 65,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 245,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 1 | $ 145,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 215,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ n/a | 1 | $ 425,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 85,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ n/a | 1 | $ 105,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 165,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ n/a | 1 | $ 55,000 |
| Saygo Home Loans, LLC 8155 E INDIAN BEND RD, STE 107 SCOTTSDALE, AZ 85250 |
* | $ n/a | 1 | $ 475,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 545,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ n/a | 1 | $ 205,000 |
| Ross Mortgage Corporation 2075 W. BIG BEAVER, SUITE 700 TROY, MI 48084 |
* | $ n/a | 1 | $ 125,000 |
| American Security Mortgage Cor 2101 REXFORD RD. SUITE 100E CHARLOTTE, NC 28207 |
* | $ n/a | 1 | $ 325,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 215,000 |
| Valon Mortgage 14647 S 50TH ST, STE A150 PHOENIX, AZ 85044 |
* | $ n/a | 1 | $ 325,000 |
The tables below break down 2025 mortgage applications in Giles 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 Giles 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 | 304 | $58,390,000 | $192,000 | $655,000 | $89,000 | $698,000 |
| Refinancing | 83 | $16,225,000 | $195,000 | $515,000 | $95,000 | $254,000 |
| Cash-out Refinancing | 82 | $16,370,000 | $199,000 | $565,000 | $77,000 | $186,000 |
| Other Purpose | 62 | $4,830,000 | $77,000 | $285,000 | $107,000 | $527,000 |
| Home Improvement | 41 | $4,595,000 | $112,000 | $1,675,000 | $108,000 | $384,000 |
| Not Applicable | 1 | $135,000 | $135,000 | $135,000 | $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 | 426 | $71,470,000 | $167,000 | $605,000 | $90,000 | $527,000 |
| Not applicable | 72 | $16,430,000 | $228,000 | $1,675,000 | $83,000 | $186,000 |
| Not Provided | 58 | $9,340,000 | $161,000 | $475,000 | $94,000 | $698,000 |
| Black or African American | 9 | $2,065,000 | $229,000 | $565,000 | $103,000 | $210,000 |
| Asian | 4 | $800,000 | $200,000 | $235,000 | $147,000 | $255,000 |
| American Indian or Alaskan Native | 3 | $205,000 | $68,000 | $115,000 | $68,000 | $70,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $235,000 | $235,000 | $235,000 | $286,000 | $286,000 |
| Hispanic | 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) | 353 | $53,395,000 | $151,000 | $1,675,000 | $100,000 | $698,000 |
| FHA-insured (Federal Housing Administration) | 134 | $25,540,000 | $190,000 | $335,000 | $70,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 63 | $17,445,000 | $276,000 | $565,000 | $81,000 | $220,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $4,165,000 | $181,000 | $255,000 | $72,000 | $109,000 |
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 | 289 | $52,195,000 | $180,000 | $1,675,000 | $92,000 | $326,000 |
| Application Denied By Financial Institution | 91 | $11,875,000 | $130,000 | $545,000 | $87,000 | $527,000 |
| Loan Purchased By The Institution | 74 | $15,430,000 | $208,000 | $425,000 | $104,000 | $248,000 |
| Application Withdrawn By Applicant | 66 | $13,660,000 | $206,000 | $475,000 | $85,000 | $248,000 |
| File Closed For Incompleteness | 38 | $5,320,000 | $140,000 | $375,000 | $91,000 | $698,000 |
| Application Approved But Not Accepted | 13 | $1,805,000 | $138,000 | $285,000 | $118,000 | $185,000 |
| Preapproval Approved but not Accepted | 1 | $185,000 | $185,000 | $185,000 | $102,000 | $102,000 |
| Preapproval Denied by Financial Institution | 1 | $75,000 | $75,000 | $75,000 | $77,000 | $77,000 |
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 | 480 | $88,520,000 | $184,000 | $1,675,000 | $92,000 | $698,000 |
| Credit History | 24 | $2,180,000 | $90,000 | $335,000 | $95,000 | $190,000 |
| Collateral | 23 | $3,385,000 | $147,000 | $455,000 | $107,000 | $527,000 |
| Debt-To-Income Ratio | 18 | $2,620,000 | $145,000 | $545,000 | $46,000 | $111,000 |
| Credit Application Incomplete | 11 | $1,345,000 | $122,000 | $285,000 | $106,000 | $384,000 |
| Other | 10 | $1,550,000 | $155,000 | $455,000 | $98,000 | $178,000 |
| Unverifiable Information | 7 | $945,000 | $135,000 | $215,000 | $52,000 | $70,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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