Giles County, VA Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 767 mortgage applications in Giles County, VA totaling $109.5 million, up 29% from 2019. The average application was for $142,000, and applicants reported an average income of $76,000. 58% of applications resulted in an originated loan and 14% were denied. The most active lender was Truist Bank, with 73 applications, followed by Embrace Home Loans, Inc. and National Bank of Blacksburg.

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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 767
Total Mortgage Loan Application Amount $109,525,000
Average Mortgage Loan Application Amount $142,000
Highest Mortgage Loan Application Amount $505,000
Average Applicant Income $76,000
Highest Applicant Income $1,576,000

Mortgage Company List for Lending in Giles County, VA for 2020

* 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
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 461,256,000,000 73 $ 8,215,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 72 $ 10,570,000
National Bank of Blacksburg
P.O. BOX 90002
BLACKSBURG, VA 24060
* $ 1,318,594,000 47 $ 6,665,000
Celco Community Federal Credit Union
PO BOX 361
NARROWS, VA 24124
* $ 108,847,000 44 $ 4,170,000
Atlantic Union Bank
1051 EAST CARY STREET, SUITE 1200
GLEN ALLEN, VA 23060
* $ 17,516,056,000 32 $ 3,140,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 29 $ 3,255,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 25 $ 3,555,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 21 $ 2,855,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ -1,000 21 $ 2,785,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 19 $ 3,385,000
First Heritage Mortgage, LLC
11325 RANDOM HILLS RD SUITE 600
FAIRFAX, VA 22031
* $ -1,000 16 $ 2,810,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 15 $ 2,235,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 14 $ 2,360,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 13 $ 2,025,000
Residential Mortgage Services, Inc.
24 CHRISTOPHER TOPPI DRIVE
SOUTH PORTLAND, ME 04106
* $ -1,000 13 $ 2,275,000
Freedom First Federal Credit Union
5240 VALLEYPARK DRIVE
ROANOKE, VA 24019
* $ 658,588,000 11 $ 1,465,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 10 $ 1,780,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 10 $ 1,530,000
First Bank and Trust Company
PO BOX 1000
ABINGDON, VA 24212
* $ 1,946,484,000 9 $ 1,285,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 9 $ 1,565,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 8 $ 1,190,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 8 $ 1,080,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 8 $ 590,000
First Community Bank
29 COLLEGE DR
BLUEFIELD, VA 24605
* $ 2,796,982,000 8 $ 760,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 7 $ 1,425,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 7 $ 1,205,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 6 $ 1,100,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 6 $ 890,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 5 $ 485,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 5 $ 1,285,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 5 $ 745,000
Member One Federal Credit Union
P.O. BOX 12288
ROANOKE, VA 24024
* $ 1,125,711,000 5 $ 655,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 165,742,416,000 5 $ 1,045,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 5 $ 375,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 4 $ 580,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 4 $ 440,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 4 $ 440,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 4 $ 860,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 4 $ 740,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 3 $ 325,000
Blue Eagle Credit Union
2121 ELECTRIC RD
ROANOKE, VA 24018
* $ 157,730,000 3 $ 165,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 3 $ 495,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ 2,711,723,000 3 $ 75,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 3 $ 595,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 3 $ 615,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 13,387,533,000 3 $ 555,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 2 $ 310,000
Skyline National Bank
PO BOX 186
INDEPENDENCE, VA 24348
* $ 705,459,000 2 $ 140,000
Tower Federal Credit Union
7901 SANDY SPRING ROAD
LAUREL, MD 20707
* $ 3,255,099,000 2 $ 340,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 230,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 80,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 2 $ 210,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 2 $ 220,000
Blue Ridge Bank
P.O. BOX 609, 17 WEST MAIN ST
LURAY, VA 22835
* $ 959,563,000 2 $ 250,000
Virginia Federal Credit Union
PO BOX 90010
RICHMOND, VA 23225
* $ 3,729,406,000 2 $ 370,000
Flagstar Bank NA

TROY, MI 49098
* $ 23,234,514,000 2 $ 240,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 360,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 39,787,666,000 2 $ 440,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 2 $ 320,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 360,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 360,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,503,779,000 2 $ 320,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ 11,947,775,000 1 $ 125,000
State Employees' Credit Union
P.O. DRAWER 25279
RALEIGH, NC 27611
* $ 41,376,687,000 1 $ 75,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 6,258,523,000 1 $ 105,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 75,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 295,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 2,488,033,000 1 $ 65,000
Residential Home Funding Corp.
707 WESTCHESTER AVENUE, SUITE 305
WHITE PLAINS, NY 10604
* $ -1,000 1 $ 145,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 295,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 1 $ 65,000
Accelerate Mortgage, LLC
750 PRIDES CROSSING #303
NEWARK, DE 19713
* $ -1,000 1 $ 375,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ -1,000 1 $ 285,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 125,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 205,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,065,955,000 1 $ 175,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 305,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 1 $ 175,000
McLean Mortgage Corporation
11325 RANDOM HILLS RD. SUITE 400
FAIRFAX, VA 22030
* $ -1,000 1 $ 215,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 1 $ 215,000
Summit Community Bank, Inc
PO BOX 680; 310 NORTH MAIN STREET
MOOREFIELD, WV 26836
* $ 2,401,941,000 1 $ 125,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ 5,099,588,000 1 $ 275,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 1 $ 155,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 1 $ 485,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 275,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 75,000
American National Bank and Trust Company
628 MAIN STREET
DANVILLE, VA 24541
* $ 2,464,860,000 1 $ 85,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 265,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 14,144,676,000 1 $ 185,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 1 $ 235,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 315,000
Bank of Tennessee
301 E. CENTER ST.
KINGSPORT, TN 37660
* $ 1,414,865,000 1 $ 95,000
Florida Capital Bank, N.A
10151 DEERWOOD PARK BLVD. BLDG. 100 #200
JACKSONVILLE, FL 32256
* $ 496,400,000 1 $ 175,000
Southern Trust Mortgage, LLC
4433 CORPORATION LANE SUITE 300
VIRGINIA BEACH, VA 23462
* $ -1,000 1 $ 105,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 305,000
Farm Credit of the Virginias, Aca
106 SANGERS LANE
STAUNTON, VA 24401
* $ -1,000 1 $ 325,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 1 $ 75,000
Central Bank of St. Louis
12218 MANCHEST RD.
ST. LOUIS, MO 63131
* $ 1,978,831,000 1 $ 315,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ -1,000 1 $ 305,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,424,675,000 1 $ 25,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 41,950,721,000 1 $ 45,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ -1,000 1 $ 265,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 1 $ 305,000
Arvest Bank

TULSA, OK 74103
* $ 19,445,554,000 1 $ 285,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 65,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 155,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 185,000

The tables below break down 2020 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 2020

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 345 $47,445,000 $137,000 $505,000 $65,000 $335,000
Refinancing 241 $38,825,000 $161,000 $465,000 $91,000 $1,576,000
Cash-out Refinancing 103 $16,785,000 $162,000 $455,000 $82,000 $318,000
Home Improvement 38 $2,990,000 $78,000 $505,000 $77,000 $259,000
Other Purpose 30 $2,320,000 $77,000 $245,000 $69,000 $189,000
Not Applicable 10 $1,160,000 $116,000 $295,000 $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 597 $83,675,000 $140,000 $505,000 $74,000 $335,000
Not Provided 89 $14,135,000 $158,000 $465,000 $69,000 $243,000
Not applicable 70 $10,080,000 $144,000 $465,000 $196,000 $1,576,000
Hispanic 6 $890,000 $148,000 $265,000 $73,000 $114,000
Black or African American 3 $325,000 $108,000 $155,000 $103,000 $121,000
Asian 2 $420,000 $210,000 $295,000 $63,000 $71,000
American Indian or Alaskan Native 0 $0 $0 $0 $0 $0
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) 552 $76,960,000 $139,000 $505,000 $81,000 $1,576,000
FHA-insured (Federal Housing Administration) 95 $13,725,000 $144,000 $305,000 $56,000 $138,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 65 $8,255,000 $127,000 $235,000 $46,000 $82,000
VA-guaranteed (Veterans Administration) 55 $10,585,000 $192,000 $465,000 $72,000 $185,000

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 448 $66,930,000 $149,000 $505,000 $75,000 $335,000
Application Denied By Financial Institution 109 $11,895,000 $109,000 $385,000 $71,000 $300,000
Application Withdrawn By Applicant 85 $11,845,000 $139,000 $345,000 $70,000 $259,000
Loan Purchased By The Institution 70 $11,270,000 $161,000 $465,000 $172,000 $1,576,000
File Closed For Incompleteness 40 $5,670,000 $141,000 $385,000 $61,000 $166,000
Application Approved But Not Accepted 14 $1,830,000 $130,000 $505,000 $70,000 $185,000
Preapproval Denied by Financial Institution 1 $85,000 $85,000 $85,000 $20,000 $20,000
Preapproval Approved but not Accepted 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 654 $97,370,000 $148,000 $505,000 $77,000 $1,576,000
Credit History 42 $3,320,000 $79,000 $255,000 $70,000 $300,000
Debt-To-Income Ratio 24 $2,850,000 $118,000 $385,000 $54,000 $185,000
Collateral 17 $2,355,000 $138,000 $345,000 $94,000 $195,000
Credit Application Incomplete 10 $1,220,000 $122,000 $235,000 $75,000 $154,000
Unverifiable Information 8 $870,000 $108,000 $185,000 $64,000 $142,000
Other 7 $955,000 $136,000 $285,000 $101,000 $189,000
Insufficient Cash (Downpayment, Closing Cost) 4 $360,000 $90,000 $135,000 $70,000 $108,000
Employment History 1 $225,000 $225,000 $225,000 $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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