Lee County, VA Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 527 mortgage applications in Lee County, VA totaling $63.7 million, down 26% from 2021. The average application was for $120,000, and applicants reported an average income of $69,000. 48% of applications resulted in an originated loan and 25% were denied. The most active lender was Eastman Credit Union, with 92 applications, followed by Vanderbilt Mortgage and Finance, Inc and Powell Valley 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 | 527 |
| Total Mortgage Loan Application Amount | $63,735,000 |
| Average Mortgage Loan Application Amount | $120,000 |
| Highest Mortgage Loan Application Amount | $1,235,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $632,000 |
* 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 |
|---|---|---|---|---|
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ 7,123,603,000 | 92 | $ 9,710,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 70 | $ 7,290,000 |
| Powell Valley National Bank 33785 MAIN STREET JONESVILLE, VA 24263 |
* | $ 430,420,000 | 51 | $ 7,615,000 |
| Farmers and Miners Bank 41526 W MORGAN AVENUE PENNINGTON GAP, VA 24277 |
* | $ 167,799,000 | 41 | $ 3,355,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 20 | $ 1,710,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 13 | $ 2,215,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 11 | $ 1,035,000 |
| Hearthside Bank Corporation 1602 CUMBERLAND AVENUE MIDDLESBORO, KY 40965 |
* | $ 463,379,000 | 9 | $ 735,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 8 | $ 1,060,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 7 | $ 925,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 7 | $ 865,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 6 | $ 920,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 6 | $ 480,000 |
| Commercial Bank 6710 CUMBERLAND GAP PARKWAY, PO BOX 400 HARROGATE, TN 37752 |
* | $ 1,711,504,000 | 6 | $ 640,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 5 | $ 765,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 5 | $ 475,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 5 | $ 535,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 4 | $ 460,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 4 | $ 600,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 360,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 4 | $ 930,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 4 | $ 720,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 4 | $ 850,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 4 | $ 360,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 4 | $ 980,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 470,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 540,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 3 | $ 45,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 3 | $ 175,000 |
| First US Bank P O BOX 249 BIRMINGHAM, AL 35243 |
* | $ 958,219,000 | 3 | $ 115,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 3 | $ 125,000 |
| New Peoples Bank, Inc PO BOX 1810 HONAKER, VA 24260 |
* | $ 794,409,000 | 3 | $ 295,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 615,000 |
| First Bank and Trust Company PO BOX 1000 ABINGDON, VA 24212 |
* | $ 1,946,484,000 | 3 | $ 425,000 |
| Kingsport Press Credit Unioin 528 W CENTER ST KINGSPORT, TN 37660 |
* | $ 84,187,000 | 3 | $ 405,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 3 | $ 685,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 4,993,101,000 | 3 | $ 195,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,879,005,000 | 3 | $ 445,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 3 | $ 285,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 5,384,484,000 | 3 | $ 585,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 270,000 |
| Bayshore Mortgage Funding 1920 GREENSPRING DRIVE, SUITE 140 TIMONIUM, MD 21093 |
* | $ -1,000 | 2 | $ 620,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 250,000 |
| Appalachian Community Federal Credit Union 5034 BOBBY HICKS HIGHWAY SUITE 2 JOHNSON CITY, TN 37615 |
* | $ 170,667,000 | 2 | $ 300,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ -1,000 | 2 | $ 700,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 370,000 |
| Hancock Mortgage Partners, LLC ONE SUGAR CREEK CENTER BLVD SUITE 1000 SUGAR LAND, TX 77478 |
* | $ -1,000 | 2 | $ 310,000 |
| Princeton Mortgage Corporation 2482 PENNINGTON ROAD SUITE 1 EWING, NJ 08628 |
* | $ -1,000 | 2 | $ 190,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 190,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 180,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 2 | $ 270,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 190,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 85,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 1 | $ 285,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 95,000 |
| Fay Servicing LLC TAMPA, FL 33609 |
* | $ -1,000 | 1 | $ 65,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 155,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 1 | $ 275,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 1 | $ 95,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 95,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 2,565,203,000 | 1 | $ 145,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 135,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 5,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 1 | $ 55,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 85,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,089,286,000 | 1 | $ 155,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 1 | $ 155,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 88,758,641,000 | 1 | $ 1,235,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 75,000 |
| Fairwinds Credit Union 3087 N. ALAFAYA TRAIL ORLANDO, FL 32826 |
* | $ 4,043,049,000 | 1 | $ 45,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 105,000 |
| Watermark Capital, Inc. 100 SPECTRUM CENTER DR STE 150 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 265,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ -1,000 | 1 | $ 215,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 185,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 105,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 155,000 |
| First State Bank of the Southeast OAK RIDGE, TN 37830 |
* | $ 361,414,000 | 1 | $ 125,000 |
| Bank of Tennessee 301 E. CENTER ST. KINGSPORT, TN 37660 |
* | $ 1,784,992,000 | 1 | $ 275,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,474,358,000 | 1 | $ 115,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 26,774,219,000 | 1 | $ 95,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,193,839,000 | 1 | $ 105,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 1 | $ 145,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 1 | $ 235,000 |
| Cake Mortgage Corp. 9200 OAKDALE AVE STE 501 CHATSWORTH, CA 91311 |
* | $ -1,000 | 1 | $ 95,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 125,000 |
The tables below break down 2022 mortgage applications in Lee 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 Lee County, VA in 2022
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 | 320 | $40,690,000 | $127,000 | $1,235,000 | $62,000 | $578,000 |
| Refinancing | 86 | $10,420,000 | $121,000 | $1,115,000 | $91,000 | $632,000 |
| Cash-out Refinancing | 79 | $10,005,000 | $126,000 | $315,000 | $71,000 | $500,000 |
| Other Purpose | 25 | $1,995,000 | $79,000 | $505,000 | $65,000 | $229,000 |
| Home Improvement | 15 | $555,000 | $37,000 | $95,000 | $87,000 | $447,000 |
| Not Applicable | 2 | $70,000 | $35,000 | $55,000 | $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 | 466 | $55,280,000 | $118,000 | $1,235,000 | $66,000 | $632,000 |
| Not Provided | 25 | $3,555,000 | $142,000 | $635,000 | $68,000 | $447,000 |
| Not applicable | 19 | $1,895,000 | $99,000 | $205,000 | $32,000 | $32,000 |
| Hispanic | 7 | $2,045,000 | $292,000 | $565,000 | $238,000 | $553,000 |
| Black or African American | 5 | $365,000 | $73,000 | $95,000 | $28,000 | $36,000 |
| American Indian or Alaskan Native | 4 | $360,000 | $90,000 | $105,000 | $27,000 | $42,000 |
| Asian | 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) | 407 | $47,095,000 | $115,000 | $1,235,000 | $72,000 | $632,000 |
| FHA-insured (Federal Housing Administration) | 71 | $10,045,000 | $141,000 | $385,000 | $57,000 | $212,000 |
| VA-guaranteed (Veterans Administration) | 40 | $5,600,000 | $140,000 | $365,000 | $60,000 | $180,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $995,000 | $110,000 | $175,000 | $39,000 | $71,000 |
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 | 255 | $30,785,000 | $120,000 | $1,115,000 | $80,000 | $632,000 |
| Application Denied By Financial Institution | 130 | $15,100,000 | $116,000 | $785,000 | $53,000 | $553,000 |
| Application Withdrawn By Applicant | 59 | $8,315,000 | $140,000 | $1,235,000 | $74,000 | $500,000 |
| File Closed For Incompleteness | 51 | $5,865,000 | $115,000 | $225,000 | $59,000 | $180,000 |
| Application Approved But Not Accepted | 16 | $1,710,000 | $106,000 | $285,000 | $42,000 | $65,000 |
| Loan Purchased By The Institution | 14 | $1,770,000 | $126,000 | $225,000 | $40,000 | $49,000 |
| Preapproval Approved but not Accepted | 2 | $190,000 | $95,000 | $95,000 | $37,000 | $45,000 |
| 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 | 351 | $44,735,000 | $127,000 | $1,235,000 | $69,000 | $632,000 |
| Debt-To-Income Ratio | 89 | $8,685,000 | $97,000 | $785,000 | $77,000 | $515,000 |
| Credit History | 39 | $4,305,000 | $110,000 | $635,000 | $57,000 | $180,000 |
| Collateral | 14 | $2,210,000 | $157,000 | $565,000 | $89,000 | $553,000 |
| Unverifiable Information | 13 | $1,345,000 | $103,000 | $245,000 | $56,000 | $107,000 |
| Other | 9 | $1,165,000 | $129,000 | $355,000 | $60,000 | $102,000 |
| Credit Application Incomplete | 5 | $545,000 | $109,000 | $185,000 | $58,000 | $121,000 |
| Employment History | 5 | $505,000 | $101,000 | $145,000 | $36,000 | $53,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $240,000 | $120,000 | $155,000 | $47,000 | $55,000 |
| 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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