Smyth County, VA Mortgage Lenders & HMDA Data, 2009

In 2009, lenders reported 1,137 mortgage applications in Smyth County, VA totaling $112.7 million, down 23% from 2008. The average application was for $99,000, and applicants reported an average income of $50,000. 50% of applications resulted in an originated loan and 23% were denied. The most active lender was Branch Banking and Trust Co, with 192 applications, followed by The Bank of Marion and JPMorgan Chase Bank, NA.

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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 1,137
Total Mortgage Loan Application Amount $112,664,000
Average Mortgage Loan Application Amount $99,000
Highest Mortgage Loan Application Amount $840,000
Average Applicant Income $50,000
Highest Applicant Income $630,000

Mortgage Company List for Lending in Smyth County, VA for 2009

* 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
Branch Banking and Trust Co
223 W NASH STREET
WILSON, NC 27893
* $ 147,483,646,000 192 $ 16,883,000
The Bank of Marion
PO BOX 1067
MARION, VA 24354
* $ 332,035,000 153 $ 8,797,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,746,242,000,000 91 $ 9,862,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,098,787,000 60 $ 7,386,000
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 538,958,000,000 57 $ 8,093,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 48 $ 4,899,000
First National Bk of the South
P.O. BOX 3508
SPARTANBURG, SC 29304
* $ 814,340,000 42 $ 4,861,000
New Peoples Bank, Inc
PO BOX 1810
HONAKER, VA 24260
* $ 807,237,000 42 $ 2,187,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,471,631,047,000 33 $ 3,802,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 26 $ 3,709,000
Citibank, N.A.
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,227,040,000,000 24 $ 1,562,000
Farm Credit of the Virginias, Aca
106 SANGERS LANE
STAUNTON, VA 24401
* $ 1,007,892,000,000 19 $ 2,443,000
Highlands Union Bank
340 WEST MAIN STREET
ABINGDON, VA 24210
* $ 667,986,000 18 $ 1,295,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 32,882,574,000 17 $ 2,126,000
Wells Fargo Bank, NA
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 635,476,000,000 16 $ 459,000
Countrywide Bank FSB
30930 RUSSELL RANCH ROAD MS CA6-916-02-0
WESTLAKE VILLAGE, CA 91362
* $ 117,978,966,000 15 $ 1,962,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 261,775,591,000 14 $ 1,009,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 14 $ 1,422,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 13 $ 1,959,000
National Bank of Blacksburg
P.O. BOX 90002
BLACKSBURG, VA 24060
* $ 931,419,000 13 $ 856,000
Beneficial Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 4,017,643,000 11 $ 981,000
First Bank and Trust Company
PO BOX 1000
ABINGDON, VA 24212
* $ 998,546,000 9 $ 1,010,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 9 $ 1,031,000
American General Fin.Serv.(De)
601 N.W. SECOND STREET, P.O. BOX 59
EVANSVILLE, IN 47701
* $ 10,000,000 8 $ 20,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 7 $ 1,162,000
Taylor, Bean & Whitaker
315 NE 14TH STREET
OCALA, FL 34470
* $ 10,000,000 7 $ 752,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 7 $ 295,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 7 $ 737,000
Access National Mortgage Corp
1800 ROBERT FULTON DR, SUITE 350
RESTON, VA 20191
* $ 10,000,000 6 $ 521,000
Wachovia Mortgage FSB
TONYA YOUNG 100 N MAIN ST MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 69,166,325,000 6 $ 734,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 185,098,787,000 6 $ 138,000
Home Loan Center
163 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 10,000,000 6 $ 1,278,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ 1,195,687,000 5 $ 415,000
Home Savings of America
35 E BROADWAY
LITTLE FALLS, MN 56345
* $ 427,899,000 5 $ 295,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 14,157,838,000 5 $ 765,000
State Farm Bank
1 STATE FARM PLAZA
BLOOMINGTON, IL 61710
* $ 16,669,297,000 5 $ 453,000
Member Options LLC
1936 ARLINGTONG BLVD.
CHARLOTTESVILLE, VA 22903
* $ 32,364,000 4 $ 366,000
Gms Funding, LLC
824 MEETING STREET
WEST COLUMBIA, SC 29169
* $ 417,745,000 3 $ 307,000
Virginia Federal Credit Union
PO BOX 90010
RICHMOND, VA 23225
* $ 1,686,491,000 3 $ 426,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 32,584,979,000 3 $ 525,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 4,858,594,000 3 $ 309,000
Franklin American Mortgage Co
501 CORPORATE CENTRE DRIVE, SUITE 400
FRANKLIN, TN 37067
* $ 10,000,000 3 $ 554,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 3 $ 578,000
Premium Capital Funding LLC
125 JERICHO TPKE
JERICHO, NY 11753
* $ 10,000,000 2 $ 276,000
Mid-Island Mortgage Corp.
900 MERCHANTS CONCOURSE, SUITE #112
WESTBURY, NY 11590
* $ 10,000,000 2 $ 297,000
Mortgage Research Center, LLC
2101 CHAPEL PLAZA COURT SUITE 107
COLUMBIA, MO 65203
* $ 880,000,000 2 $ 219,000
Shore Mortgage
770 S. ADAMS ROAD #300
BIRMINGHAM, MI 48009
* $ 10,000,000 2 $ 274,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ 100,000,000 2 $ 214,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ 43,942,000 2 $ 328,000
Security Atlantic Wholesale
499 THORNALL ST, SUITE 220
EDISON, NJ 08837
* $ 10,000,000 2 $ 352,000
Gateway Funding Dms, LP
300 WELSH ROAD, BUILDING 5
HORSHAM, PA 19044
* $ 10,000,000 2 $ 1,026,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ 10,000,000 2 $ 309,000
Equity Services, Inc.
5711 SIX FORKS ROAD, STE 201
RALEIGH, NC 27609
* $ 10,000,000 2 $ 258,000
Metlife Bank, N.A.
334 MADISON AVENUE
CONVENT STATION, NJ 07961
* $ 10,273,647,000 2 $ 147,000
First Tennessee Bank NA
165 MADISON 5TH FLOOR
MEMPHIS, TN 38103
* $ 30,786,926,000 2 $ 200,000
Regions Bank
1900 5TH AVENUE N - ALBH10903B
BIRMINGHAM, AL 35203
* $ 142,084,005,000 2 $ 303,000
Trupoint Bank
20089 RIVERSIDE DR
GRUNDY, VA 24614
* $ 501,381,000 2 $ 138,000
Gateway Bank, FSB
2336 MERCED STREET
SAN LEANDRO, CA 94577
* $ 479,176,000 2 $ 380,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 2 $ 116,000
Liberty Mortgage Corporation
223 W NASH STREET
WILSON, NC 27893
* $ 2,406,088,000 2 $ 225,000
Nfcu
820 FOLLIN LANE
VIENNA, VA 22180
* $ 36,351,625,000 2 $ 35,000
Primary Residential Mortgage
4750 W WILEY POST WAY SUITE 200
SALT LAKE CITY, UT 84116
* $ 10,000,000 2 $ 434,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 21,270,147,000 2 $ 141,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 143,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ 60,000,000 1 $ 53,000
Avelo Mortgage, L.L.C
250 EAST JOHN CARPENTER FREEWAY
IRVING, TX 75062
* $ 10,000,000 1 $ 164,000
Ameritrust Mortgage Inc.
11016 RUSHMORE DRIVE, SUITE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 132,000
Prospect Mortgage, LLC
15301 VENTURA BLVD. SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 245,000
Primary Capital
1000 PARKWOOD CIRCLE, SUITE 600
ATLANTA, GA 30339
* $ 10,000,000 1 $ 102,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ 10,000,000 1 $ 247,000
First Ohio Banc & Lending Inc
6100 ROCKSIDE WOODS BLVD
INDEPENDENCE, OH 44131
* $ 10,000,000 1 $ 161,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 159,099,000 1 $ 17,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ 2,044,273,000 1 $ 25,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,677,931,000 1 $ 17,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ 149,135,000 1 $ 17,000
Roanoke Postal Employees' FCU
PO BOX 12405
ROANOKE, VA 24025
* $ 98,237,000 1 $ 25,000
Charles Schwab Bank
211 MAIN STREET
SAN FRANCISCO, CA 94105
* $ 25,365,108,000 1 $ 541,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 82,416,721,000 1 $ 128,000
Community First Bank
3725 OLD COURT ROAD
BALTIMORE, MD 21208
* $ 62,318,000 1 $ 151,000
Carter Bank and Trust
PO BOX 3748
MARTINSVILLE, VA 24112
* $ 2,800,478,000 1 $ 54,000
M&T Bank
1 M&T PLAZA -15TH FLOOR
BUFFALO, NY 14203
* $ 64,824,244,000 1 $ 65,000
Southern Trust Mortgage LLC
4433 CORPORATION LANE, SUITE 300
VIRGINIA BEACH, VA 23462
* $ 935,253,000 1 $ 73,000
Trisummit Bank
422 BROAD STREET
KINGSPORT, TN 37660
* $ 142,367,000 1 $ 235,000
New York Community Bank
1 JERICHO PLAZA
JERICHO, NY 11753
* $ 30,307,736,000 1 $ 115,000
Gateway Business Bank
18000 STUDEBAKER ROAD, SUITE 550
CERRITOS, CA 90703
* $ 198,774,000 1 $ 135,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 69,459,606,000 1 $ 90,000
Citifinancial Inc
300 ST PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 1 $ 16,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 140,777,455,000 1 $ 69,000
First Community Bank, N. A.
P O BOX 989
BLUEFIELD, VA 24605
* $ 2,103,444,000 1 $ 200,000
PNC Reverse Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,000,000 1 $ 60,000
Merrill Lynch Credit Corp
4500 PARK GRANADA CA7-910-01-24
CALABASAS, CA 91302
* $ 2,223,299,000 1 $ 690,000
Barrons Mortgage Group Ltd
3325 SOUTH TRYON STREET
CHARLOTTE, NC 28217
* $ 6,353,000 1 $ 130,000
Peoples Home Equity
5205 MARYLAND WAY SUITE 100
BRENTWOOD, TN 37027
* $ 1,065,000 1 $ 125,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 1 $ 271,000
Cardinal Financial Company
444 JACKSONVILLE ROAD
WARMINSTER, PA 18974
* $ 10,000,000 1 $ 162,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ 10,000,000 1 $ 105,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 168,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 152,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 71,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 1 $ 163,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 1 $ 147,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 43,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 1 $ 214,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ 435,000,000 1 $ 48,000
Walker Jackson Mortgage Corpor
14501 GEORGE CARTER WAY
CHANTILLY, VA 20151
* $ 292,944,000 1 $ 76,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ 10,000,000 1 $ 101,000

The tables below break down 2009 mortgage applications in Smyth 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 Smyth County, VA in 2009

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
Refinancing 684 $77,609,000 $113,000 $840,000 $52,000 $540,000
Home Purchase 320 $31,387,000 $98,000 $744,000 $51,000 $630,000
Home Improvement 133 $3,668,000 $27,000 $202,000 $39,000 $105,000

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 965 $94,503,000 $97,000 $840,000 $53,000 $630,000
Not applicable 78 $8,142,000 $104,000 $518,000 $17,000 $98,000
Not Provided 74 $8,413,000 $113,000 $373,000 $49,000 $143,000
Black or African American 12 $1,082,000 $90,000 $186,000 $27,000 $70,000
Hispanic 4 $302,000 $75,000 $155,000 $42,000 $84,000
Native Hawaiian or Other Pacific Islander 2 $132,000 $66,000 $82,000 $32,000 $36,000
American Indian or Alaskan Native 2 $90,000 $45,000 $75,000 $15,000 $31,000
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) 827 $75,734,000 $91,000 $840,000 $53,000 $630,000
FHA-insured (Federal Housing Administration) 194 $24,234,000 $124,000 $276,000 $48,000 $540,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 93 $9,611,000 $103,000 $228,000 $33,000 $73,000
VA-guaranteed (Veterans Administration) 23 $3,085,000 $134,000 $271,000 $42,000 $295,000

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 569 $53,324,000 $93,000 $744,000 $55,000 $630,000
Application Denied By Financial Institution 260 $22,649,000 $87,000 $300,000 $45,000 $540,000
Loan Purchased By The Institution 135 $15,753,000 $116,000 $321,000 $31,000 $199,000
Application Withdrawn By Applicant 113 $13,453,000 $119,000 $840,000 $53,000 $274,000
Application Approved But Not Accepted 36 $4,808,000 $133,000 $690,000 $70,000 $375,000
File Closed For Incompleteness 23 $2,608,000 $113,000 $276,000 $55,000 $139,000
Preapproval Denied by Financial Institution 1 $69,000 $69,000 $69,000 $150,000 $150,000
Preapproval Approved but not Accepted 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
Credit History 68 $4,151,000 $61,000 $261,000 $41,000 $150,000
Debt-To-Income Ratio 40 $3,635,000 $90,000 $260,000 $35,000 $120,000
Collateral 34 $3,585,000 $105,000 $277,000 $60,000 $192,000
Other 21 $2,063,000 $98,000 $300,000 $53,000 $112,000
Credit Application Incomplete 15 $1,385,000 $92,000 $210,000 $66,000 $540,000
Unverifiable Information 4 $488,000 $122,000 $199,000 $43,000 $59,000
Employment History 1 $73,000 $73,000 $73,000 $54,000 $54,000
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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