Scott County, VA Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 544 mortgage applications in Scott County, VA totaling $57.9 million, down 4% from 2018. The average application was for $106,000, and applicants reported an average income of $62,000. 52% of applications resulted in an originated loan and 23% were denied. The most active lender was Eastman Credit Union, with 165 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 | 544 |
| Total Mortgage Loan Application Amount | $57,860,000 |
| Average Mortgage Loan Application Amount | $106,000 |
| Highest Mortgage Loan Application Amount | $685,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $709,000 |
* 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 |
* | $ 4,530,157,000 | 165 | $ 13,305,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 55 | $ 4,455,000 |
| New Peoples Bank, Inc PO BOX 1810 HONAKER, VA 24260 |
* | $ 680,984,000 | 36 | $ 4,380,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 15 | $ 1,955,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 13 | $ 1,415,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 124,716,588,000 | 12 | $ 1,180,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 12 | $ 950,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 11 | $ 1,595,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 11 | $ 1,365,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 10 | $ 1,660,000 |
| Farmers and Miners Bank 41526 W MORGAN AVENUE PENNINGTON GAP, VA 24277 |
* | $ 135,181,000 | 8 | $ 670,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 8 | $ 1,020,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 8 | $ 900,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 8 | $ 350,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 7 | $ 565,000 |
| Hancock Mortgage Partners, LLC ONE SUGAR CREEK CENTER BLVD SUITE 1000 SUGAR LAND, TX 77478 |
* | $ -1,000 | 6 | $ 940,000 |
| Kingsport Press Credit Unioin 528 W CENTER ST KINGSPORT, TN 37660 |
* | $ 66,938,000 | 6 | $ 290,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ -1,000 | 6 | $ 1,150,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 5 | $ 575,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 765,000 |
| First Bank and Trust Company PO BOX 1000 ABINGDON, VA 24212 |
* | $ 1,809,023,000 | 5 | $ 415,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 3,638,027,000 | 4 | $ 400,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 340,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 4 | $ 380,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 4 | $ 550,000 |
| Bank of Tennessee 301 E. CENTER ST. KINGSPORT, TN 37660 |
* | $ 1,375,614,000 | 4 | $ 270,000 |
| Powell Valley National Bank 33785 MAIN STREET JONESVILLE, VA 24263 |
* | $ 297,305,000 | 4 | $ 380,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 235,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 3 | $ 455,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 3 | $ 425,000 |
| Cityworth Mortgage LLC 11781 LEE JACKSON HIGHWAY FAIRFAX, VA 22033 |
* | $ -1,000 | 3 | $ 235,000 |
| The Bank of Marion PO BOX 1067 MARION, VA 24354 |
* | $ 377,255,000 | 3 | $ 295,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 3 | $ 535,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 185,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 2 | $ 160,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 110,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 760,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 2 | $ 280,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 2 | $ 440,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 430,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 2 | $ 450,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 312,093,000 | 2 | $ 150,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,236,658,000 | 2 | $ 270,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ -1,000 | 2 | $ 130,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 150,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 1 | $ 25,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 1 | $ 75,000 |
| A Mortgage Boutique, LLC 1574 MEDICAL CENTER PKWY SUITE 101 MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 135,000 |
| Hometrust Bank PO BOX 10 ASHEVILLE, NC 28802 |
* | $ 3,409,271,000 | 1 | $ 165,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 115,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 1 | $ 265,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 1 | $ 65,000 |
| Appalachian Community Federal Credit Union 5034 BOBBY HICKS HIGHWAY SUITE 2 JOHNSON CITY, TN 37615 |
* | $ 233,261,000 | 1 | $ 55,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 85,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 105,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 85,000 |
| Commercial Bank 6710 CUMBERLAND GAP PARKWAY, PO BOX 400 HARROGATE, TN 37752 |
* | $ 1,280,405,000 | 1 | $ 505,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 1 | $ 95,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 205,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 8,305,036,000 | 1 | $ 65,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 1 | $ 55,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 125,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 40,636,055,000 | 1 | $ 215,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 145,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 65,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 135,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 1 | $ 95,000 |
| McLean Mortgage Corporation 11325 RANDOM HILLS RD. SUITE 400 FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 155,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 45,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 165,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 115,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 345,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 55,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 1 | $ 115,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 75,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 85,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 12,915,178,000 | 1 | $ 125,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 125,000 |
| Trupoint Bank 20089 RIVERSIDE DR GRUNDY, VA 24614 |
* | $ 435,445,000 | 1 | $ 115,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,185,032,000 | 1 | $ 605,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 1 | $ 115,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ -1,000 | 1 | $ 155,000 |
| Highlands Union Bank 340 WEST MAIN STREET ABINGDON, VA 24210 |
* | $ 591,931,000 | 1 | $ 85,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 75,000 |
The tables below break down 2019 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 2019
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 | 295 | $34,715,000 | $117,000 | $685,000 | $60,000 | $378,000 |
| Cash-out Refinancing | 91 | $10,165,000 | $111,000 | $505,000 | $66,000 | $709,000 |
| Refinancing | 75 | $8,585,000 | $114,000 | $465,000 | $60,000 | $211,000 |
| Home Improvement | 50 | $2,570,000 | $51,000 | $255,000 | $68,000 | $185,000 |
| Other Purpose | 28 | $1,380,000 | $49,000 | $235,000 | $62,000 | $191,000 |
| Not Applicable | 5 | $445,000 | $89,000 | $225,000 | $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 | 470 | $48,350,000 | $102,000 | $685,000 | $62,000 | $709,000 |
| Not applicable | 35 | $4,665,000 | $133,000 | $505,000 | $43,000 | $66,000 |
| Not Provided | 26 | $3,830,000 | $147,000 | $295,000 | $64,000 | $204,000 |
| Hispanic | 10 | $810,000 | $81,000 | $205,000 | $54,000 | $93,000 |
| Black or African American | 2 | $60,000 | $30,000 | $35,000 | $80,000 | $107,000 |
| American Indian or Alaskan Native | 1 | $145,000 | $145,000 | $145,000 | $28,000 | $28,000 |
| 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) | 418 | $42,260,000 | $101,000 | $685,000 | $64,000 | $709,000 |
| FHA-insured (Federal Housing Administration) | 65 | $6,965,000 | $107,000 | $315,000 | $53,000 | $204,000 |
| VA-guaranteed (Veterans Administration) | 40 | $6,350,000 | $158,000 | $305,000 | $62,000 | $146,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $2,285,000 | $108,000 | $145,000 | $41,000 | $68,000 |
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 | 283 | $30,175,000 | $106,000 | $685,000 | $69,000 | $709,000 |
| Application Denied By Financial Institution | 126 | $13,950,000 | $110,000 | $605,000 | $53,000 | $378,000 |
| Application Withdrawn By Applicant | 73 | $7,765,000 | $106,000 | $345,000 | $59,000 | $204,000 |
| Loan Purchased By The Institution | 34 | $3,620,000 | $106,000 | $265,000 | $44,000 | $66,000 |
| File Closed For Incompleteness | 24 | $2,090,000 | $87,000 | $195,000 | $49,000 | $108,000 |
| Application Approved But Not Accepted | 4 | $260,000 | $65,000 | $85,000 | $48,000 | $79,000 |
| 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 | 399 | $42,195,000 | $105,000 | $685,000 | $63,000 | $347,000 |
| Debt-To-Income Ratio | 55 | $6,645,000 | $120,000 | $465,000 | $62,000 | $709,000 |
| Credit History | 43 | $3,185,000 | $74,000 | $255,000 | $48,000 | $96,000 |
| Collateral | 18 | $2,150,000 | $119,000 | $345,000 | $62,000 | $160,000 |
| Other | 10 | $1,790,000 | $179,000 | $605,000 | $94,000 | $378,000 |
| Unverifiable Information | 10 | $1,000,000 | $100,000 | $235,000 | $49,000 | $95,000 |
| Employment History | 4 | $300,000 | $75,000 | $115,000 | $55,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $265,000 | $88,000 | $175,000 | $72,000 | $100,000 |
| Credit Application Incomplete | 2 | $330,000 | $165,000 | $185,000 | $24,000 | $28,000 |
| 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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