Norton City, VA Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 98 mortgage applications in Norton City, VA totaling $12.4 million, up 40% from 2019. The average application was for $126,000, and applicants reported an average income of $78,000. 61% of applications resulted in an originated loan and 20% were denied. The most active lender was Eastman Credit Union, with 25 applications, followed by First Bank and Trust Company and Crosscountry Mortgage, LLC.
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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 | 98 |
| Total Mortgage Loan Application Amount | $12,410,000 |
| Average Mortgage Loan Application Amount | $126,000 |
| Highest Mortgage Loan Application Amount | $1,085,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $400,000 |
| 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 |
* | $ 5,099,588,000 | 25 | $ 2,305,000 |
| First Bank and Trust Company PO BOX 1000 ABINGDON, VA 24212 |
* | $ 1,946,484,000 | 10 | $ 1,110,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 9 | $ 1,235,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 6 | $ 420,000 |
| Farmers and Miners Bank 41526 W MORGAN AVENUE PENNINGTON GAP, VA 24277 |
* | $ 133,374,000 | 3 | $ 825,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 205,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 3,729,406,000 | 3 | $ 345,000 |
| Powell Valley National Bank 33785 MAIN STREET JONESVILLE, VA 24263 |
* | $ 303,286,000 | 3 | $ 1,185,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 315,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 260,000 |
| Appalachian Community Federal Credit Union 5034 BOBBY HICKS HIGHWAY SUITE 2 JOHNSON CITY, TN 37615 |
* | $ 192,331,000 | 2 | $ 80,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 2 | $ 270,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 2 | $ 320,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 2 | $ 280,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 105,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 95,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 135,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 95,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 1 | $ 135,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 75,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 135,000 |
| Commercial Bank 6710 CUMBERLAND GAP PARKWAY, PO BOX 400 HARROGATE, TN 37752 |
* | $ 1,285,083,000 | 1 | $ 15,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 185,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 155,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,503,779,000 | 1 | $ 155,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 1 | $ 145,000 |
| A Mortgage Boutique, LLC 1574 MEDICAL CENTER PKWY SUITE 101 MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 95,000 |
The tables below break down 2020 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 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 | 51 | $6,835,000 | $134,000 | $1,085,000 | $53,000 | $113,000 |
| Refinancing | 26 | $3,130,000 | $120,000 | $215,000 | $105,000 | $265,000 |
| Cash-out Refinancing | 14 | $1,870,000 | $133,000 | $255,000 | $102,000 | $354,000 |
| Home Improvement | 6 | $430,000 | $71,000 | $155,000 | $144,000 | $400,000 |
| Other Purpose | 1 | $145,000 | $145,000 | $145,000 | $42,000 | $42,000 |
| 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 | 84 | $10,490,000 | $124,000 | $1,085,000 | $77,000 | $400,000 |
| Not applicable | 5 | $755,000 | $151,000 | $545,000 | $0 | $0 |
| Not Provided | 5 | $735,000 | $147,000 | $185,000 | $92,000 | $142,000 |
| Black or African American | 3 | $385,000 | $128,000 | $135,000 | $96,000 | $96,000 |
| Hispanic | 1 | $45,000 | $45,000 | $45,000 | $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 |
| Asian | 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) | 69 | $8,505,000 | $123,000 | $1,085,000 | $79,000 | $400,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,745,000 | $158,000 | $255,000 | $90,000 | $354,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,375,000 | $125,000 | $185,000 | $59,000 | $74,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $785,000 | $112,000 | $195,000 | $49,000 | $77,000 |
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 | 60 | $8,500,000 | $141,000 | $1,085,000 | $76,000 | $354,000 |
| Application Denied By Financial Institution | 20 | $2,130,000 | $106,000 | $195,000 | $76,000 | $400,000 |
| Application Withdrawn By Applicant | 10 | $960,000 | $96,000 | $185,000 | $69,000 | $115,000 |
| File Closed For Incompleteness | 4 | $350,000 | $87,000 | $125,000 | $69,000 | $96,000 |
| Application Approved But Not Accepted | 3 | $375,000 | $125,000 | $175,000 | $142,000 | $265,000 |
| Loan Purchased By The Institution | 1 | $95,000 | $95,000 | $95,000 | $0 | $0 |
| 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 | 71 | $8,225,000 | $115,000 | $255,000 | $76,000 | $354,000 |
| Debt-To-Income Ratio | 12 | $2,550,000 | $212,000 | $1,085,000 | $75,000 | $176,000 |
| Credit History | 6 | $480,000 | $80,000 | $195,000 | $44,000 | $72,000 |
| Collateral | 4 | $520,000 | $130,000 | $165,000 | $143,000 | $400,000 |
| Credit Application Incomplete | 3 | $335,000 | $111,000 | $135,000 | $56,000 | $56,000 |
| Other | 1 | $145,000 | $145,000 | $145,000 | $75,000 | $75,000 |
| Unverifiable Information | 1 | $155,000 | $155,000 | $155,000 | $108,000 | $108,000 |
| 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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