Smyth County, VA Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 928 mortgage applications in Smyth County, VA totaling $113.3 million, up 9% from 2019. The average application was for $122,000, and applicants reported an average income of $68,000. 63% of applications resulted in an originated loan and 14% were denied. The most active lender was The Bank of Marion, with 227 applications, followed by Eastman Credit Union and Vanderbilt Mortgage and Finance, Inc.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 928
Total Mortgage Loan Application Amount $113,330,000
Average Mortgage Loan Application Amount $122,000
Highest Mortgage Loan Application Amount $755,000
Average Applicant Income $68,000
Highest Applicant Income $846,000

Mortgage Company List for Lending in Smyth County, VA for 2020

* 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
* $ 392,344,000 227 $ 26,005,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ 5,099,588,000 82 $ 9,690,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 55 $ 5,035,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 46 $ 6,870,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 461,256,000,000 44 $ 3,310,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 31 $ 4,195,000
First Bank and Trust Company
PO BOX 1000
ABINGDON, VA 24212
* $ 1,946,484,000 28 $ 5,480,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 20 $ 2,910,000
First Community Bank
29 COLLEGE DR
BLUEFIELD, VA 24605
* $ 2,796,982,000 17 $ 2,075,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 17 $ 1,565,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 16 $ 1,880,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ 2,711,723,000 16 $ 1,070,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 16 $ 1,870,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 13 $ 1,475,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 11 $ 1,975,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 10 $ 2,300,000
First Reliance Bank
2170 W PALMETTO ST
FLORENCE, SC 29501
* $ 659,197,000 10 $ 1,260,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 10 $ 1,020,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 10 $ 1,170,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 9 $ 1,515,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 8 $ 1,120,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 7 $ 965,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 6 $ 880,000
Atlantic Union Bank
1051 EAST CARY STREET, SUITE 1200
GLEN ALLEN, VA 23060
* $ 17,516,056,000 6 $ 730,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 6 $ 910,000
New Peoples Bank, Inc
PO BOX 1810
HONAKER, VA 24260
* $ 705,233,000 6 $ 830,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 6 $ 700,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 5 $ 465,000
Hancock Mortgage Partners, LLC
ONE SUGAR CREEK CENTER BLVD SUITE 1000
SUGAR LAND, TX 77478
* $ -1,000 5 $ 745,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 5 $ 335,000
Virginia Federal Credit Union
PO BOX 90010
RICHMOND, VA 23225
* $ 3,729,406,000 4 $ 390,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 4 $ 200,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 4 $ 450,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 4 $ 410,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 4 $ 570,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 4 $ 340,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ -1,000 3 $ 345,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 3 $ 295,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 3 $ 295,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 3 $ 395,000
Member One Federal Credit Union
P.O. BOX 12288
ROANOKE, VA 24024
* $ 1,125,711,000 3 $ 195,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 3 $ 325,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 165,742,416,000 3 $ 325,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 3 $ 825,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 2 $ 350,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 2 $ 340,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 670,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 2 $ 220,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 2 $ 190,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 2 $ 200,000
Farm Credit of the Virginias, Aca
106 SANGERS LANE
STAUNTON, VA 24401
* $ -1,000 2 $ 180,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ -1,000 2 $ 380,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 2 $ 200,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 2 $ 190,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 13,387,533,000 2 $ 350,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 2 $ 60,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,789,845,000 2 $ 50,000
Skyline National Bank
PO BOX 186
INDEPENDENCE, VA 24348
* $ 705,459,000 2 $ 550,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 195,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 65,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 295,000
City Lending Inc.
8150 LEESBURG PIKE SUITE 405
VIENNA, VA 22182
* $ -1,000 1 $ 45,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 12,223,127,000 1 $ 35,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 9,767,997,000 1 $ 75,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 105,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 85,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 65,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,424,675,000 1 $ 85,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 1 $ 75,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 1 $ 245,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 135,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,289,704,000 1 $ 65,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 397,703,264,000 1 $ 45,000
Powell Valley National Bank
33785 MAIN STREET
JONESVILLE, VA 24263
* $ 303,286,000 1 $ 65,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 12,244,742,000 1 $ 85,000
Horizon Credit Union
1201 N. EASTMAN RD.
KINGSPORT, TN 37660
* $ 56,294,000 1 $ 105,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 39,787,666,000 1 $ 45,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 175,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 1 $ 445,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 295,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 75,000
Southern Trust Mortgage, LLC
4433 CORPORATION LANE SUITE 300
VIRGINIA BEACH, VA 23462
* $ -1,000 1 $ 85,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 95,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 215,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 285,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 265,000
National Bank of Blacksburg
P.O. BOX 90002
BLACKSBURG, VA 24060
* $ 1,318,594,000 1 $ 35,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 43,126,164,000 1 $ 175,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 115,000
Commercial Bank
6710 CUMBERLAND GAP PARKWAY, PO BOX 400
HARROGATE, TN 37752
* $ 1,285,083,000 1 $ 35,000
Legacybank
20957 RIVERSIDE DRIVE
GRUNDY, VA 24614
* $ 304,925,000 1 $ 65,000
Valleystar Credit Union
41 WHEELER AVE
MARTINSVILLE, VA 24115
* $ 499,530,000 1 $ 125,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 65,000
Southpoint Financial Services, Inc.
5955 SHILOH ROAD EAST, SUITE 200
ALPHARETTA, GA 30005
* $ -1,000 1 $ 145,000
Blue Eagle Credit Union
2121 ELECTRIC RD
ROANOKE, VA 24018
* $ 157,730,000 1 $ 135,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 195,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 95,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 125,000
Member Advantage Mortgage
3330 BROADMOOR SE, SUITE B
GRAND RAPIDS, MI 49512
* $ -1,000 1 $ 165,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 313,272,000 1 $ 145,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 95,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 95,000

The tables below break down 2020 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 2020

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 408 $51,070,000 $125,000 $705,000 $64,000 $331,000
Refinancing 322 $41,960,000 $130,000 $505,000 $74,000 $846,000
Cash-out Refinancing 101 $14,245,000 $141,000 $755,000 $68,000 $271,000
Other Purpose 54 $3,360,000 $62,000 $255,000 $74,000 $501,000
Home Improvement 30 $1,600,000 $53,000 $305,000 $70,000 $180,000
Not Applicable 13 $1,095,000 $84,000 $155,000 $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 801 $96,015,000 $119,000 $755,000 $68,000 $846,000
Not Provided 66 $9,760,000 $147,000 $445,000 $73,000 $180,000
Not applicable 38 $4,320,000 $113,000 $605,000 $56,000 $88,000
Hispanic 11 $1,405,000 $127,000 $315,000 $39,000 $97,000
Black or African American 5 $765,000 $153,000 $435,000 $57,000 $87,000
American Indian or Alaskan Native 4 $540,000 $135,000 $205,000 $55,000 $70,000
Native Hawaiian or Other Pacific Islander 2 $450,000 $225,000 $225,000 $0 $0
Asian 1 $75,000 $75,000 $75,000 $28,000 $28,000

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) 684 $80,880,000 $118,000 $755,000 $71,000 $846,000
FHA-insured (Federal Housing Administration) 112 $14,010,000 $125,000 $315,000 $54,000 $128,000
VA-guaranteed (Veterans Administration) 73 $11,545,000 $158,000 $345,000 $59,000 $130,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 59 $6,895,000 $116,000 $235,000 $51,000 $107,000

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 586 $73,160,000 $124,000 $705,000 $70,000 $501,000
Application Denied By Financial Institution 134 $13,040,000 $97,000 $485,000 $54,000 $331,000
Application Withdrawn By Applicant 89 $12,725,000 $142,000 $755,000 $85,000 $846,000
File Closed For Incompleteness 55 $6,765,000 $123,000 $385,000 $63,000 $197,000
Loan Purchased By The Institution 34 $3,490,000 $102,000 $215,000 $57,000 $88,000
Application Approved But Not Accepted 30 $4,150,000 $138,000 $505,000 $70,000 $271,000
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 579 $75,785,000 $130,000 $755,000 $68,000 $846,000
Debt-To-Income Ratio 250 $28,020,000 $112,000 $705,000 $71,000 $501,000
Credit History 54 $4,880,000 $90,000 $485,000 $63,000 $331,000
Unverifiable Information 16 $1,560,000 $97,000 $235,000 $54,000 $147,000
Collateral 10 $930,000 $93,000 $225,000 $50,000 $61,000
Credit Application Incomplete 7 $1,065,000 $152,000 $275,000 $59,000 $92,000
Other 6 $540,000 $90,000 $175,000 $72,000 $180,000
Employment History 3 $255,000 $85,000 $95,000 $32,000 $82,000
Insufficient Cash (Downpayment, Closing Cost) 3 $295,000 $98,000 $165,000 $40,000 $62,000
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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