Smyth County, VA Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 804 mortgage applications in Smyth County, VA totaling $78.8 million, up 6% from 2014. The average application was for $97,000, and applicants reported an average income of $49,000. 52% of applications resulted in an originated loan and 24% were denied. The most active lender was The Bank of Marion, with 146 applications, followed by Stearns Lending, LLC and Truist Bank.

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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 804
Total Mortgage Loan Application Amount $78,773,000
Average Mortgage Loan Application Amount $97,000
Highest Mortgage Loan Application Amount $3,320,000
Average Applicant Income $49,000
Highest Applicant Income $722,000

Mortgage Company List for Lending in Smyth County, VA for 2015

* 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
The Bank of Marion
PO BOX 1067
MARION, VA 24354
* $ 356,158,000 146 $ 10,126,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 82 $ 8,529,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 182,489,046,000 52 $ 4,080,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 50 $ 2,895,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 45 $ 4,155,000
South State Bank
520 GERVAIS STREET
COLUMBIA, SC 29201
* $ 7,827,707,000 26 $ 2,496,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 22 $ 3,141,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ 3,065,310,000 19 $ 1,793,000
New Peoples Bank, Inc
PO BOX 1810
HONAKER, VA 24260
* $ 650,690,000 19 $ 1,238,000
Highlands Union Bank
340 WEST MAIN STREET
ABINGDON, VA 24210
* $ 605,885,000 18 $ 1,561,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 17 $ 1,584,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 15 $ 1,199,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 14 $ 83,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 14 $ 1,587,000
Farm Credit of the Virginias, Aca
106 SANGERS LANE
STAUNTON, VA 24401
* $ 1,007,892,000,000 13 $ 1,448,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 12 $ 1,189,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 8 $ 1,312,000
First Direct Lending LLC
15261 LAGUNA CANYON ROAD, SUITE 200
IRVINE, CA 92618
* $ 0 8 $ 1,048,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 8 $ 809,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ 1,770,509,000 7 $ 449,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 7 $ 719,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 7 $ 621,000
First Reliance Bank
2170 W PALMETTO ST
FLORENCE, SC 29501
* $ 366,850,000 6 $ 712,000
Virginia Federal Credit Union
PO BOX 90010
RICHMOND, VA 23225
* $ 2,681,182,000 6 $ 454,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 6 $ 310,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 5 $ 984,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 5 $ 641,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 5 $ 598,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 4 $ 696,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 4 $ 483,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,424,729,000 3 $ 419,000
First Bank and Trust Company
PO BOX 1000
ABINGDON, VA 24212
* $ 1,389,052,000 3 $ 265,000
First Community Bank
29 COLLEGE DR
BLUEFIELD, VA 24605
* $ 2,584,917,000 3 $ 578,000
Midland Mortgage Corporation
1500 RICHLAND STREET
COLUMBIA, SC 29201
* $ 10,000,000 3 $ 206,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 3 $ 374,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 3 $ 409,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 3 $ 371,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 3 $ 182,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 3 $ 212,000
Peoples Home Equity
5205 MARYLAND WAY SUITE 100
BRENTWOOD, TN 37027
* $ 1,065,000 3 $ 262,000
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 3 $ 379,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 2 $ 184,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 2 $ 292,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ 710,000 2 $ 171,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ 10,000,000 2 $ 360,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 2 $ 283,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 2 $ 185,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 2 $ 269,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 4,519,923,000 2 $ 154,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 2 $ 208,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ 10,000,000 2 $ 235,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ 10,000,000 2 $ 209,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 2 $ 159,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 2 $ 525,000
First Mortgage Solutions, LLC
9237 WARD PARKWAY, SUITE 300
KANSAS CITY, MO 64114
* $ 5,324,994,000 2 $ 314,000
American National Bank and Trust Company
628 MAIN STREET
DANVILLE, VA 24541
* $ 1,338,465,000 2 $ 151,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 2 $ 355,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 2 $ 183,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 2 $ 293,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 2 $ 272,000
Monarch Bank
1435 CROSSWAYS BOULEVARD, SUITE 101
CHESAPEAKE, VA 23320
* $ 1,066,426,000 2 $ 88,000
Reliant Bank
1736 CAROTHERS PARKWAY
BRENTWOOD, TN 37027
* $ 295,168,000 1 $ 102,000
Union Mortgage Group, Inc.
1051 EAST CARY STREET, SUITE 1200
RICHMOND, VA 23219
* $ 7,333,085,000 1 $ 132,000
Trupoint Bank
20089 RIVERSIDE DR
GRUNDY, VA 24614
* $ 443,413,000 1 $ 3,000
Miners Exchange Bank
PO BOX 1197
COEBURN, VA 24230
* $ 104,541,000 1 $ 22,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 1 $ 66,000
Private Bank of Buckhead
3565 PIEDMONT ROAD, BLDG 3, STE 210
ATLANTA, GA 30305
* $ 245,738,000 1 $ 86,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 5,958,502,000 1 $ 11,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ 42,331,494,000 1 $ 128,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 3,304,000 1 $ 50,000
Walker & Dunlop, LLC
7501 WISCONSIN AVE, STE 1200E
BETHESDA, MD 20814
* $ 552,596,000 1 $ 3,320,000
Finworth Mortgage, LLC, An Insbank Company
2106 CRESTMOOR ROAD
NASHVILLE, TN 37215
* $ 262,333,000 1 $ 48,000
Blue Eagle Credit Union
2121 ELECTRIC RD
ROANOKE, VA 24018
* $ 128,543,000 1 $ 38,000
First Bank
PO BOX 508
TROY, NC 27371
* $ 3,217,774,000 1 $ 663,000
Hometown Funding, Inc. D/B/A Cnb Mortgage Company
63 A MONROE AVENUE
PITTSFORD, NY 14534
* $ 1,540,588,000 1 $ 203,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 5,785,742,000 1 $ 222,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,727,490,000 1 $ 27,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 83,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 153,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 86,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 1 $ 82,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 1 $ 113,000
Freedom First Federal Credit Union
5240 VALLEYPARK DRIVE
ROANOKE, VA 24019
* $ 356,760,000 1 $ 190,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 321,539,000 1 $ 209,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 1 $ 137,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 103,000
Cityworth Mortgage LLC
11781 LEE JACKSON HIGHWAY
FAIRFAX, VA 22033
* $ 1,400,000,000 1 $ 74,000
First Century Bank, Inc.
P.O. BOX 1559, 500 FEDERAL STREET
BLUEFIELD, WV 24701
* $ 401,109,000 1 $ 77,000
First Trust Bank of Illinois
275 E COURT ST
KANKAKEE, IL 60901
* $ 227,934,000 1 $ 91,000
Cazle Mortgage, Inc.
3 E HENRIETTA ST
BALTIMORE, MD 21220
* $ 4,980,000 1 $ 212,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 1 $ 126,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 9,314,575,000 1 $ 10,000
Carter Bank and Trust
PO BOX 3748
MARTINSVILLE, VA 24112
* $ 4,629,941,000 1 $ 2,000
First Tn Bk NA
333 FAYETTEVILLE ST
RALEIGH, NC 27601
* $ 6,830,545,000 1 $ 169,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ 202,275,000 1 $ 95,000
Legacybank
20957 RIVERSIDE DRIVE
GRUNDY, VA 24614
* $ 322,468,000 1 $ 156,000
West Town Bank & Trust
7820 W 26TH STREET
NORTH RIVERSIDE, IL 60546
* $ 183,453,000 1 $ 138,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 66,111,039,000 1 $ 76,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 255,011,219,000 1 $ 75,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,761,042,000 1 $ 81,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 1 $ 87,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 1 $ 133,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 162,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 52,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 6,265,793,000 1 $ 147,000
Canandaigua National Bank & Trust
72 SOUTH MAIN ST
CANANDAIGUA, NY 14424
* $ 2,092,417,000 1 $ 203,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 395,549,000 1 $ 135,000

The tables below break down 2015 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 2015

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 382 $36,545,000 $95,000 $663,000 $45,000 $341,000
Refinancing 306 $35,076,000 $114,000 $690,000 $55,000 $722,000
Home Improvement 116 $7,152,000 $61,000 $3,320,000 $45,000 $292,000

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 680 $62,691,000 $92,000 $663,000 $52,000 $722,000
Not applicable 59 $8,560,000 $145,000 $3,320,000 $5,000 $80,000
Not Provided 44 $5,534,000 $125,000 $690,000 $62,000 $289,000
Hispanic 9 $578,000 $64,000 $116,000 $53,000 $96,000
Black or African American 7 $857,000 $122,000 $238,000 $42,000 $129,000
Asian 3 $386,000 $128,000 $158,000 $61,000 $97,000
American Indian or Alaskan Native 2 $167,000 $83,000 $165,000 $16,000 $21,000
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) 528 $45,857,000 $86,000 $690,000 $56,000 $719,000
FHA-insured (Federal Housing Administration) 116 $15,674,000 $135,000 $3,320,000 $37,000 $121,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 105 $9,498,000 $90,000 $257,000 $26,000 $72,000
VA-guaranteed (Veterans Administration) 55 $7,744,000 $140,000 $413,000 $51,000 $722,000

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 422 $41,947,000 $99,000 $3,320,000 $56,000 $719,000
Application Denied By Financial Institution 190 $17,574,000 $92,000 $690,000 $46,000 $722,000
Loan Purchased By The Institution 76 $7,235,000 $95,000 $417,000 $15,000 $99,000
Application Withdrawn By Applicant 47 $5,544,000 $117,000 $300,000 $52,000 $111,000
File Closed For Incompleteness 37 $3,145,000 $85,000 $204,000 $46,000 $79,000
Application Approved But Not Accepted 32 $3,328,000 $104,000 $235,000 $52,000 $124,000
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
Credit History 58 $3,533,000 $60,000 $238,000 $41,000 $121,000
Collateral 28 $3,445,000 $123,000 $690,000 $71,000 $289,000
Debt-To-Income Ratio 16 $1,624,000 $101,000 $257,000 $31,000 $72,000
Other 12 $1,062,000 $88,000 $256,000 $95,000 $722,000
Unverifiable Information 4 $316,000 $79,000 $175,000 $34,000 $48,000
Credit Application Incomplete 4 $366,000 $91,000 $118,000 $33,000 $57,000
Employment History 3 $98,000 $32,000 $52,000 $42,000 $65,000
Insufficient Cash (Downpayment, Closing Cost) 1 $140,000 $140,000 $140,000 $51,000 $51,000
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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