Giles County, VA Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 505 mortgage applications in Giles County, VA totaling $77.4 million, down 25% from 2022. The average application was for $153,000, and applicants reported an average income of $93,000. 51% of applications resulted in an originated loan and 18% were denied. The most active lender was Celco Community Federal Credit Union, with 39 applications, followed by Truist Bank 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 | 505 |
| Total Mortgage Loan Application Amount | $77,405,000 |
| Average Mortgage Loan Application Amount | $153,000 |
| Highest Mortgage Loan Application Amount | $835,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $1,307,000 |
* 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 |
|---|---|---|---|---|
| Celco Community Federal Credit Union PO BOX 361 NARROWS, VA 24124 |
* | $ 140,078,000 | 39 | $ 5,165,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 37 | $ 3,945,000 |
| National Bank of Blacksburg P.O. BOX 90002 BLACKSBURG, VA 24060 |
* | $ 1,674,446,000 | 32 | $ 4,880,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 32 | $ 3,770,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 29 | $ 5,915,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 21 | $ 4,175,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ -1,000 | 20 | $ 3,650,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ 20,342,081,000 | 17 | $ 1,355,000 |
| Freedom First Federal Credit Union 5240 VALLEYPARK DRIVE ROANOKE, VA 24019 |
* | $ 1,043,847,000 | 14 | $ 2,620,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 13 | $ 2,325,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 10 | $ 2,070,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 9 | $ 1,695,000 |
| The First National Bank of Peterstown NARROWS, VA 24124 |
* | $ 84,376,000 | 9 | $ 455,000 |
| First Heritage Mortgage, LLC 11325 RANDOM HILLS RD SUITE 600 FAIRFAX, VA 22031 |
* | $ -1,000 | 9 | $ 1,955,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ 4,131,234,000 | 8 | $ 490,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 7 | $ 765,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 7 | $ 1,845,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 7 | $ 1,315,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 7 | $ 955,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 7 | $ 1,145,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 6 | $ 320,000 |
| First Bank and Trust Company PO BOX 1000 ABINGDON, VA 24212 |
* | $ 3,140,875,000 | 6 | $ 930,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 6 | $ 960,000 |
| Member One Federal Credit Union P.O. BOX 12288 ROANOKE, VA 24024 |
* | $ 1,553,016,000 | 5 | $ 245,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 5 | $ 865,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 4 | $ 980,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 4 | $ 840,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 450,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 16,995,485,000 | 4 | $ 620,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 4 | $ 710,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 1,330,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 3 | $ 165,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 3 | $ 185,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 3 | $ 655,000 |
| Skyline National Bank PO BOX 186 INDEPENDENCE, VA 24348 |
* | $ 997,453,000 | 3 | $ 1,175,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 3 | $ 295,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 3 | $ 1,185,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 545,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 3 | $ 255,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 3 | $ 305,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ -1,000 | 2 | $ 480,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 2 | $ 170,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 3,112,618,000 | 2 | $ 350,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 2 | $ 160,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 190,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 280,000 |
| Blue Eagle Credit Union 2121 ELECTRIC RD ROANOKE, VA 24018 |
* | $ 210,818,000 | 2 | $ 60,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 680,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 2 | $ 130,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 2 | $ 110,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 490,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 500,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 450,000 |
| First Federal Bank of Kansas City LENEXA, KS 66211 |
* | $ 934,570,000 | 2 | $ 190,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 190,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 109,180,139,000 | 2 | $ 170,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 2 | $ 320,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 1 | $ 185,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 3,862,063,000 | 1 | $ 55,000 |
| First Reliance Bank 2170 W PALMETTO ST FLORENCE, SC 29501 |
* | $ 934,534,000 | 1 | $ 235,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 165,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 335,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 45,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 245,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,052,701,000 | 1 | $ 285,000 |
| George Mason Mortgage, LLC 4100 MONUMENT CORNER DRIVE #100 PRINCE WILLIAM, VA 22030 |
* | $ -1,000 | 1 | $ 75,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ -1,000 | 1 | $ 85,000 |
| Langley Federal Credit Union 721 LAKEFRONT COMMONS, SUITE 102 NEWPORT NEWS, VA 23606 |
* | $ 5,060,479,000 | 1 | $ 85,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,766,752,000,000 | 1 | $ 265,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 1 | $ 105,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 235,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 295,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 245,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 75,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ 270,427,000 | 1 | $ 205,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 16,117,865,000 | 1 | $ 105,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 1 | $ 255,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 595,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 7,677,655,000 | 1 | $ 105,000 |
| The Bank of Marion PO BOX 1067 MARION, VA 24354 |
* | $ 553,654,000 | 1 | $ 45,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 125,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ 1,154,561,000 | 1 | $ 25,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 1 | $ 5,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 265,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 4,112,771,000 | 1 | $ 65,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 195,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 1 | $ 235,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 155,000 |
| Carter Bank and Trust PO BOX 3748 MARTINSVILLE, VA 24112 |
* | $ 4,199,820,000 | 1 | $ 55,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 235,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 1 | $ 105,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 3,890,541,000 | 1 | $ 45,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ -1,000 | 1 | $ 115,000 |
| Pinnacle Bank 150 3RD AVE SOUTH NASHVILLE, TN 37203 |
* | $ 41,842,515,000 | 1 | $ 245,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 1 | $ 95,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 9,280,218,000 | 1 | $ 35,000 |
The tables below break down 2023 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 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 | 290 | $54,740,000 | $188,000 | $835,000 | $94,000 | $1,307,000 |
| Cash-out Refinancing | 69 | $10,615,000 | $153,000 | $475,000 | $79,000 | $304,000 |
| Other Purpose | 49 | $3,165,000 | $64,000 | $315,000 | $77,000 | $157,000 |
| Refinancing | 48 | $5,920,000 | $123,000 | $555,000 | $96,000 | $407,000 |
| Home Improvement | 45 | $2,695,000 | $59,000 | $255,000 | $122,000 | $642,000 |
| Not Applicable | 4 | $270,000 | $67,000 | $115,000 | $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 | 373 | $54,535,000 | $146,000 | $835,000 | $93,000 | $1,307,000 |
| Not applicable | 66 | $12,650,000 | $191,000 | $755,000 | $97,000 | $224,000 |
| Not Provided | 47 | $7,845,000 | $166,000 | $565,000 | $99,000 | $359,000 |
| Black or African American | 10 | $1,280,000 | $128,000 | $285,000 | $70,000 | $106,000 |
| Hispanic | 6 | $660,000 | $110,000 | $235,000 | $107,000 | $296,000 |
| Asian | 2 | $320,000 | $160,000 | $215,000 | $57,000 | $62,000 |
| American Indian or Alaskan Native | 1 | $115,000 | $115,000 | $115,000 | $49,000 | $49,000 |
| 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) | 336 | $43,660,000 | $129,000 | $835,000 | $98,000 | $1,307,000 |
| FHA-insured (Federal Housing Administration) | 97 | $16,995,000 | $175,000 | $485,000 | $76,000 | $163,000 |
| VA-guaranteed (Veterans Administration) | 51 | $13,415,000 | $263,000 | $505,000 | $98,000 | $422,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $3,335,000 | $158,000 | $275,000 | $56,000 | $100,000 |
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 | 258 | $38,900,000 | $150,000 | $755,000 | $96,000 | $1,307,000 |
| Application Denied By Financial Institution | 92 | $10,260,000 | $111,000 | $555,000 | $74,000 | $296,000 |
| Loan Purchased By The Institution | 61 | $11,765,000 | $192,000 | $595,000 | $89,000 | $224,000 |
| Application Withdrawn By Applicant | 45 | $8,655,000 | $192,000 | $755,000 | $112,000 | $390,000 |
| File Closed For Incompleteness | 31 | $4,485,000 | $144,000 | $405,000 | $65,000 | $147,000 |
| Application Approved But Not Accepted | 16 | $3,210,000 | $200,000 | $835,000 | $147,000 | $359,000 |
| Preapproval Approved but not Accepted | 1 | $105,000 | $105,000 | $105,000 | $34,000 | $34,000 |
| Preapproval Denied by Financial Institution | 1 | $25,000 | $25,000 | $25,000 | $66,000 | $66,000 |
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 | 410 | $66,980,000 | $163,000 | $835,000 | $97,000 | $1,307,000 |
| Credit History | 30 | $2,650,000 | $88,000 | $305,000 | $74,000 | $200,000 |
| Collateral | 18 | $1,590,000 | $88,000 | $155,000 | $80,000 | $296,000 |
| Debt-To-Income Ratio | 16 | $2,630,000 | $164,000 | $425,000 | $60,000 | $140,000 |
| Credit Application Incomplete | 15 | $2,095,000 | $139,000 | $555,000 | $102,000 | $291,000 |
| Unverifiable Information | 8 | $810,000 | $101,000 | $175,000 | $50,000 | $82,000 |
| Other | 6 | $400,000 | $66,000 | $105,000 | $81,000 | $117,000 |
| Employment History | 1 | $175,000 | $175,000 | $175,000 | $26,000 | $26,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $87,000 | $87,000 |
| 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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