Norton City, VA Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 88 mortgage applications in Norton City, VA totaling $12.3 million, up 7% from 2024. The average application was for $140,000, and applicants reported an average income of $83,000. 38% of applications resulted in an originated loan and 15% were denied. The most active lender was Eastman Credit Union, with 14 applications, followed by First Bank and Trust Company and Ross Mortgage Corporation.
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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 | 88 |
| Total Mortgage Loan Application Amount | $12,320,000 |
| Average Mortgage Loan Application Amount | $140,000 |
| Highest Mortgage Loan Application Amount | $415,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $250,000 |
| 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 |
* | $ n/a | 14 | $ 2,220,000 |
| First Bank and Trust Company PO BOX 1000 ABINGDON, VA 24212 |
* | $ n/a | 11 | $ 1,255,000 |
| Ross Mortgage Corporation 2075 W. BIG BEAVER, SUITE 700 TROY, MI 48084 |
* | $ n/a | 6 | $ 1,050,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 6 | $ 730,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 4 | $ 750,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 4 | $ 420,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 3 | $ 35,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 3 | $ 355,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 270,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 80,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 250,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 580,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 280,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 290,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 370,000 |
| Champions Funding, LLC 365 E GERMANN RD #140 GILBERT, AZ 85297 |
* | $ n/a | 2 | $ 320,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 1 | $ 65,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 55,000 |
| Powell Valley National Bank 33785 MAIN STREET JONESVILLE, VA 24263 |
* | $ n/a | 1 | $ 85,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 115,000 |
| Appalachian Community Federal Credit Union 5034 BOBBY HICKS HIGHWAY SUITE 2 JOHNSON CITY, TN 37615 |
* | $ n/a | 1 | $ 65,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 65,000 |
| The Bank of Marion PO BOX 1067 MARION, VA 24354 |
* | $ n/a | 1 | $ 275,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 235,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 275,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 215,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 245,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 75,000 |
| New Peoples Bank, Inc PO BOX 1810 HONAKER, VA 24260 |
* | $ n/a | 1 | $ 285,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 125,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 185,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ n/a | 1 | $ 25,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ n/a | 1 | $ 25,000 |
The tables below break down 2025 mortgage applications in Norton City, VA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Norton City, 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 | 52 | $8,450,000 | $162,000 | $415,000 | $80,000 | $228,000 |
| Refinancing | 10 | $1,550,000 | $155,000 | $285,000 | $72,000 | $121,000 |
| Other Purpose | 9 | $475,000 | $52,000 | $235,000 | $95,000 | $160,000 |
| Cash-out Refinancing | 9 | $1,205,000 | $133,000 | $335,000 | $121,000 | $250,000 |
| Home Improvement | 8 | $640,000 | $80,000 | $205,000 | $56,000 | $137,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 63 | $9,165,000 | $145,000 | $415,000 | $83,000 | $228,000 |
| Not Provided | 12 | $1,580,000 | $131,000 | $255,000 | $76,000 | $149,000 |
| Not applicable | 8 | $1,140,000 | $142,000 | $405,000 | $250,000 | $250,000 |
| Asian | 3 | $215,000 | $71,000 | $105,000 | $45,000 | $105,000 |
| Black or African American | 2 | $220,000 | $110,000 | $215,000 | $87,000 | $87,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 60 | $6,980,000 | $116,000 | $415,000 | $86,000 | $250,000 |
| FHA-insured (Federal Housing Administration) | 20 | $3,900,000 | $195,000 | $275,000 | $78,000 | $130,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,315,000 | $187,000 | $335,000 | $73,000 | $123,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $125,000 | $125,000 | $125,000 | $37,000 | $37,000 |
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 | 33 | $4,985,000 | $151,000 | $405,000 | $85,000 | $217,000 |
| Application Withdrawn By Applicant | 16 | $2,690,000 | $168,000 | $415,000 | $93,000 | $228,000 |
| Application Denied By Financial Institution | 13 | $1,795,000 | $138,000 | $275,000 | $76,000 | $160,000 |
| File Closed For Incompleteness | 12 | $1,620,000 | $135,000 | $335,000 | $68,000 | $119,000 |
| Application Approved But Not Accepted | 9 | $645,000 | $71,000 | $175,000 | $68,000 | $90,000 |
| Loan Purchased By The Institution | 5 | $585,000 | $117,000 | $215,000 | $250,000 | $250,000 |
| 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 | 75 | $10,525,000 | $140,000 | $415,000 | $84,000 | $250,000 |
| Collateral | 5 | $825,000 | $165,000 | $255,000 | $92,000 | $125,000 |
| Debt-To-Income Ratio | 4 | $460,000 | $115,000 | $275,000 | $52,000 | $96,000 |
| Credit History | 3 | $295,000 | $98,000 | $195,000 | $95,000 | $160,000 |
| Unverifiable Information | 1 | $215,000 | $215,000 | $215,000 | $44,000 | $44,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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