Scott County, VA Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 706 mortgage applications in Scott County, VA totaling $98.0 million, up 5% from 2020. The average application was for $138,000, and applicants reported an average income of $74,000. 54% of applications resulted in an originated loan and 19% were denied. The most active lender was Eastman Credit Union, with 220 applications, followed by Vanderbilt Mortgage and Finance, Inc and Cardinal Financial Company, Li.

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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 706
Total Mortgage Loan Application Amount $97,980,000
Average Mortgage Loan Application Amount $138,000
Highest Mortgage Loan Application Amount $685,000
Average Applicant Income $74,000
Highest Applicant Income $771,000

Mortgage Company List for Lending in Scott County, VA for 2021

* 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
* $ 5,099,588,000 220 $ 26,450,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 55 $ 5,485,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 21 $ 3,165,000
Hancock Mortgage Partners, LLC
ONE SUGAR CREEK CENTER BLVD SUITE 1000
SUGAR LAND, TX 77478
* $ -1,000 19 $ 3,005,000
New Peoples Bank, Inc
PO BOX 1810
HONAKER, VA 24260
* $ 705,233,000 15 $ 2,165,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 15 $ 2,245,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 14 $ 2,210,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 13 $ 2,185,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 12 $ 2,000,000
First Bank and Trust Company
PO BOX 1000
ABINGDON, VA 24212
* $ 1,946,484,000 12 $ 2,260,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 11 $ 1,185,000
Kingsport Press Credit Unioin
528 W CENTER ST
KINGSPORT, TN 37660
* $ 71,378,000 11 $ 1,395,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 10 $ 2,110,000
The Bank of Marion
PO BOX 1067
MARION, VA 24354
* $ 392,344,000 10 $ 1,460,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 10 $ 1,440,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 10 $ 1,290,000
Farm Credit of the Virginias, Aca
106 SANGERS LANE
STAUNTON, VA 24401
* $ -1,000 10 $ 1,190,000
Appalachian Community Federal Credit Union
5034 BOBBY HICKS HIGHWAY SUITE 2
JOHNSON CITY, TN 37615
* $ 192,331,000 9 $ 1,225,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 9 $ 1,885,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 8 $ 1,360,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 8 $ 700,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,325,220,000 7 $ 415,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 7 $ 1,055,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 6 $ 870,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 5 $ 315,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 43,126,164,000 5 $ 435,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 5 $ 885,000
Farmers and Miners Bank
41526 W MORGAN AVENUE
PENNINGTON GAP, VA 24277
* $ 133,374,000 5 $ 335,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 5 $ 715,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 5 $ 465,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 13,387,533,000 4 $ 1,310,000
Powell Valley National Bank
33785 MAIN STREET
JONESVILLE, VA 24263
* $ 303,286,000 4 $ 450,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 4 $ 1,150,000
State Employees' Credit Union
P.O. DRAWER 25279
RALEIGH, NC 27611
* $ 41,376,687,000 4 $ 620,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 4 $ 860,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 4 $ 270,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 4 $ 560,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 4 $ 880,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 3 $ 285,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 3 $ 465,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 3 $ 555,000
Horizon Credit Union
1201 N. EASTMAN RD.
KINGSPORT, TN 37660
* $ 56,294,000 3 $ 475,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 3 $ 815,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 2 $ 510,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 460,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 2 $ 250,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 360,000
Hometrust Bank
PO BOX 10
ASHEVILLE, NC 28802
* $ 3,468,407,000 2 $ 180,000
Atlantic Union Bank
1051 EAST CARY STREET, SUITE 1200
GLEN ALLEN, VA 23060
* $ 17,516,056,000 2 $ 200,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 2 $ 270,000
Andrew Johnson Bank
124 N MAIN STREET
GREENEVILLE, TN 37744
* $ 387,643,000 2 $ 260,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 2 $ 250,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 2 $ 270,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 190,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 1 $ 315,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 1 $ 165,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 45,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 105,000
Towne Mtg of the Carolinas,Llc
4515 FALLS OF NEUSE RD, STE 300
RALEIGH, NC 27612
* $ -1,000 1 $ 595,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 85,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ -1,000 1 $ 355,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 65,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 65,000
First Community Bank
809 W MAIN STREET
ROGERSVILLE, TN 37857
* $ 162,118,000 1 $ 105,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 1 $ 215,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 85,000
Blue Ridge Bank
P.O. BOX 609, 17 WEST MAIN ST
LURAY, VA 22835
* $ 959,563,000 1 $ 115,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 95,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 1 $ 195,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 1 $ 165,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 1 $ 125,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ -1,000 1 $ 95,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 155,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 155,000
Bank of Tennessee
301 E. CENTER ST.
KINGSPORT, TN 37660
* $ 1,414,865,000 1 $ 55,000
Accelerate Mortgage, LLC
750 PRIDES CROSSING #303
NEWARK, DE 19713
* $ -1,000 1 $ 205,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 1 $ 155,000
Virginia Federal Credit Union
PO BOX 90010
RICHMOND, VA 23225
* $ 3,729,406,000 1 $ 105,000
Citizens and Farmers Bank
415 14TH STREET
WEST POINT, VA 23181
* $ 1,625,536,000 1 $ 25,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 525,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 1 $ 115,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 105,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 1 $ 155,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 1 $ 455,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 185,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 4,351,191,000 1 $ 145,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 125,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 1 $ 75,000
Integrity Home Mortgage Corporation
122 PILOT CIRCLE
WINCHESTER, VA 22602
* $ -1,000 1 $ 215,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 145,000
Apex Bank
102 E MAIN ST
CAMDEN, TN 38320
* $ 581,088,000 1 $ 135,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 17,757,753,000 1 $ 185,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 11,550,782,000 1 $ 195,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ -1,000 1 $ 275,000
First Community Bank
29 COLLEGE DR
BLUEFIELD, VA 24605
* $ 2,796,982,000 1 $ 485,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 1 $ 75,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 255,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ 1,396,934,000 1 $ 125,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 205,000

The tables below break down 2021 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 2021

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 353 $51,975,000 $147,000 $635,000 $70,000 $585,000
Refinancing 153 $23,185,000 $151,000 $685,000 $79,000 $467,000
Cash-out Refinancing 128 $17,560,000 $137,000 $555,000 $80,000 $771,000
Other Purpose 32 $2,390,000 $74,000 $255,000 $66,000 $156,000
Home Improvement 30 $2,010,000 $67,000 $255,000 $84,000 $213,000
Not Applicable 10 $860,000 $86,000 $215,000 $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 583 $80,335,000 $137,000 $685,000 $74,000 $771,000
Not Provided 68 $10,390,000 $152,000 $525,000 $75,000 $235,000
Not applicable 42 $5,900,000 $140,000 $595,000 $88,000 $88,000
Hispanic 7 $855,000 $122,000 $195,000 $79,000 $215,000
American Indian or Alaskan Native 3 $335,000 $111,000 $175,000 $69,000 $93,000
Black or African American 3 $165,000 $55,000 $75,000 $23,000 $26,000
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) 550 $73,260,000 $133,000 $685,000 $76,000 $771,000
FHA-insured (Federal Housing Administration) 87 $12,225,000 $140,000 $295,000 $62,000 $149,000
VA-guaranteed (Veterans Administration) 46 $9,420,000 $204,000 $595,000 $68,000 $159,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 23 $3,075,000 $133,000 $305,000 $61,000 $155,000

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 384 $57,350,000 $149,000 $685,000 $79,000 $585,000
Application Denied By Financial Institution 131 $15,205,000 $116,000 $455,000 $61,000 $213,000
Application Withdrawn By Applicant 79 $10,665,000 $135,000 $555,000 $72,000 $224,000
File Closed For Incompleteness 42 $4,820,000 $114,000 $255,000 $67,000 $253,000
Loan Purchased By The Institution 42 $6,430,000 $153,000 $595,000 $125,000 $245,000
Application Approved But Not Accepted 27 $3,405,000 $126,000 $235,000 $86,000 $771,000
Preapproval Approved but not Accepted 1 $105,000 $105,000 $105,000 $61,000 $61,000
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 554 $79,930,000 $144,000 $685,000 $75,000 $585,000
Debt-To-Income Ratio 61 $7,525,000 $123,000 $635,000 $69,000 $771,000
Credit History 46 $4,870,000 $105,000 $255,000 $71,000 $213,000
Credit Application Incomplete 13 $1,815,000 $139,000 $285,000 $84,000 $186,000
Collateral 12 $1,870,000 $155,000 $275,000 $106,000 $192,000
Unverifiable Information 9 $675,000 $75,000 $135,000 $34,000 $84,000
Other 7 $835,000 $119,000 $265,000 $64,000 $136,000
Employment History 2 $240,000 $120,000 $125,000 $42,000 $52,000
Insufficient Cash (Downpayment, Closing Cost) 2 $220,000 $110,000 $175,000 $65,000 $81,000
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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