Scott County, VA Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 568 mortgage applications in Scott County, VA totaling $53.3 million, down 6% from 2017. The average application was for $93,000, and applicants reported an average income of $60,000. 50% of applications resulted in an originated loan and 25% were denied. The most active lender was Eastman Credit Union, with 169 applications, followed by Vanderbilt Mortgage and Finance, Inc and New Peoples Bank, Inc.
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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 | 568 |
| Total Mortgage Loan Application Amount | $53,320,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $615,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $1,041,000 |
* 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 |
* | $ 4,032,781,000 | 169 | $ 14,205,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 63 | $ 4,085,000 |
| New Peoples Bank, Inc PO BOX 1810 HONAKER, VA 24260 |
* | $ 665,756,000 | 53 | $ 5,315,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 17 | $ 1,325,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 13 | $ 1,685,000 |
| Kingsport Press Credit Unioin 528 W CENTER ST KINGSPORT, TN 37660 |
* | $ 68,241,000 | 10 | $ 570,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,325,220,000 | 9 | $ 565,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 8 | $ 1,350,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 8 | $ 980,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 8 | $ 640,000 |
| First Bank and Trust Company PO BOX 1000 ABINGDON, VA 24212 |
* | $ 1,711,733,000 | 8 | $ 1,000,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 7 | $ 815,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ -1,000 | 7 | $ 1,235,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 7 | $ 655,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 41,201,025,000 | 6 | $ 360,000 |
| Powell Valley National Bank 33785 MAIN STREET JONESVILLE, VA 24263 |
* | $ 275,268,000 | 6 | $ 580,000 |
| Hancock Mortgage Partners, LLC ONE SUGAR CREEK CENTER BLVD SUITE 1000 SUGAR LAND, TX 77478 |
* | $ -1,000 | 6 | $ 420,000 |
| Horizon Credit Union 1201 N. EASTMAN RD. KINGSPORT, TN 37660 |
* | $ 51,034,000 | 6 | $ 790,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 485,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 5 | $ 585,000 |
| Farmers and Miners Bank 41526 W MORGAN AVENUE PENNINGTON GAP, VA 24277 |
* | $ 135,697,000 | 5 | $ 245,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 735,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 5 | $ 835,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,934,629,000 | 4 | $ 230,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 4 | $ 230,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 4 | $ 370,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 201,637,519,000 | 3 | $ 135,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 385,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 405,000 |
| Appalachian Community Federal Credit Union 5034 BOBBY HICKS HIGHWAY SUITE 2 JOHNSON CITY, TN 37615 |
* | $ 214,302,000 | 3 | $ 695,000 |
| The Bank of Marion PO BOX 1067 MARION, VA 24354 |
* | $ 383,644,000 | 3 | $ 125,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,380,304,000 | 3 | $ 315,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 335,000 |
| Hometrust Bank PO BOX 10 ASHEVILLE, NC 28802 |
* | $ 3,243,627,000 | 3 | $ 205,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 3 | $ 135,000 |
| Miners Exchange Bank PO BOX 1197 COEBURN, VA 24230 |
* | $ 94,913,000 | 2 | $ 100,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 330,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 2 | $ 170,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 2 | $ 220,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 200,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 2 | $ 510,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 160,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 130,000 |
| Trupoint Bank 20089 RIVERSIDE DR GRUNDY, VA 24614 |
* | $ 415,896,000 | 2 | $ 90,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 192,687,000 | 2 | $ 310,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 150,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 180,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 2 | $ 250,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 140,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 2 | $ 280,000 |
| Lee Bank & Trust Company P.O. BOX 100 PENNINGTON GAP, VA 24277 |
* | $ 152,433,000 | 2 | $ 190,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 2 | $ 300,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 210,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 85,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ 284,719,000 | 1 | $ 125,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 25,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 1 | $ 65,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 37,318,930,000 | 1 | $ 45,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ -1,000 | 1 | $ 65,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 225,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 85,000 |
| Raymond James Bank 710 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 |
* | $ 21,866,592,000 | 1 | $ 85,000 |
| Angel Oak Home Loans LLC 3600 PEACHTREE ROAD NW, SUITE 500 ATLANTA, GA 30305 |
* | $ -1,000 | 1 | $ 105,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 135,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 75,000 |
| Lenderlive Network, LLC 710 S ASH GLENDALE, CO 80246 |
* | $ -1,000 | 1 | $ 135,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 175,000 |
| Hamilton Home Loans, Inc. 1551 SAWGRASS CORPORATE PARKWAY, STE 300 SUNRISE, FL 33323 |
* | $ -1,000 | 1 | $ 55,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 1 | $ 55,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 25,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ -1,000 | 1 | $ 115,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 105,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 75,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 45,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ -1,000 | 1 | $ 125,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 9,805,580,000 | 1 | $ 245,000 |
| Dominion Capital Mortgage, Inc. 3900 WESTERRE PARKWAY SUITE 100 RICHMOND, VA 23233 |
* | $ -1,000 | 1 | $ 85,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 1 | $ 125,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 5,000 |
| Intelliloan, Inc. 4 PARK PLAZA SUITE 800 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 165,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ -1,000 | 1 | $ 55,000 |
| Commercial Bank 6710 CUMBERLAND GAP PARKWAY, PO BOX 400 HARROGATE, TN 37752 |
* | $ 981,216,000 | 1 | $ 35,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 4,113,495,000 | 1 | $ 175,000 |
| Civis Bank 210 E MAIN ST ROGERSVILLE, TN 37857 |
* | $ 100,902,000 | 1 | $ 65,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 55,000 |
| Bank of Tennessee 301 E. CENTER ST. KINGSPORT, TN 37660 |
* | $ 1,199,548,000 | 1 | $ 45,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 65,000 |
The tables below break down 2018 mortgage applications in Scott 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 Scott County, VA in 2018
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 | 279 | $28,715,000 | $102,000 | $615,000 | $57,000 | $385,000 |
| Cash-out Refinancing | 115 | $11,695,000 | $101,000 | $395,000 | $60,000 | $185,000 |
| Refinancing | 83 | $8,105,000 | $97,000 | $415,000 | $56,000 | $176,000 |
| Other Purpose | 42 | $2,550,000 | $60,000 | $245,000 | $87,000 | $1,041,000 |
| Home Improvement | 40 | $1,860,000 | $46,000 | $105,000 | $60,000 | $180,000 |
| Not Applicable | 9 | $395,000 | $43,000 | $85,000 | $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 | 500 | $45,460,000 | $90,000 | $615,000 | $60,000 | $1,041,000 |
| Not Provided | 27 | $3,135,000 | $116,000 | $355,000 | $68,000 | $185,000 |
| Not applicable | 26 | $2,840,000 | $109,000 | $455,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $845,000 | $120,000 | $395,000 | $79,000 | $167,000 |
| Asian | 3 | $655,000 | $218,000 | $335,000 | $72,000 | $111,000 |
| Black or African American | 3 | $215,000 | $71,000 | $125,000 | $36,000 | $41,000 |
| Hispanic | 2 | $170,000 | $85,000 | $105,000 | $15,000 | $30,000 |
| 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) | 460 | $40,880,000 | $88,000 | $615,000 | $62,000 | $1,041,000 |
| FHA-insured (Federal Housing Administration) | 70 | $7,610,000 | $108,000 | $295,000 | $49,000 | $135,000 |
| VA-guaranteed (Veterans Administration) | 22 | $3,240,000 | $147,000 | $365,000 | $60,000 | $129,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,590,000 | $99,000 | $145,000 | $42,000 | $91,000 |
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 | 286 | $27,600,000 | $96,000 | $615,000 | $65,000 | $385,000 |
| Application Denied By Financial Institution | 140 | $11,960,000 | $85,000 | $335,000 | $55,000 | $1,041,000 |
| Application Withdrawn By Applicant | 68 | $7,720,000 | $113,000 | $355,000 | $61,000 | $185,000 |
| File Closed For Incompleteness | 32 | $2,080,000 | $65,000 | $135,000 | $44,000 | $96,000 |
| Loan Purchased By The Institution | 28 | $2,790,000 | $99,000 | $365,000 | $66,000 | $96,000 |
| Application Approved But Not Accepted | 14 | $1,170,000 | $83,000 | $255,000 | $49,000 | $99,000 |
| 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 | 403 | $39,215,000 | $97,000 | $615,000 | $62,000 | $385,000 |
| Credit History | 65 | $4,555,000 | $70,000 | $205,000 | $61,000 | $1,041,000 |
| Debt-To-Income Ratio | 54 | $4,790,000 | $88,000 | $415,000 | $52,000 | $176,000 |
| Collateral | 16 | $1,530,000 | $95,000 | $335,000 | $56,000 | $129,000 |
| Credit Application Incomplete | 11 | $1,395,000 | $126,000 | $245,000 | $55,000 | $130,000 |
| Unverifiable Information | 9 | $635,000 | $70,000 | $125,000 | $39,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $705,000 | $141,000 | $305,000 | $65,000 | $111,000 |
| Employment History | 3 | $225,000 | $75,000 | $95,000 | $34,000 | $50,000 |
| Other | 2 | $270,000 | $135,000 | $145,000 | $82,000 | $91,000 |
| 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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