Mortgage lending in Smyth County, Virginia
Lenders in Smyth County, Virginia reported 821 mortgage applications for 2025, according to the CFPB.
821 mortgage applications and 450 loans originated in 2025; the denial rate was 28.2% of 656 applications decided. The median loan was about $130,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Smyth County, VA.
- 821
- Applications
- 450
- Loans originated
- 28.2%
- Denial rate
- 185 denied of 656 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 821 | 450 |
| 2024 | 680 | 405 |
| 2023 | 808 | 446 |
| 2022 | 909 | 512 |
| 2021 | 1,113 | 649 |
| 2020 | 897 | 587 |
| 2019 | 800 | 486 |
| 2018 | 736 | 455 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| The Bank of Marion | 127 | 146 |
| United Wholesale Mortgage | 39 | 46 |
| Rocket Mortgage | 35 | 61 |
| Eastman Credit Union | 30 | 56 |
| Movement Mortgage, LLC | 15 | 28 |
| Truist Bank | 13 | 23 |
| Atlantic Bay Mortgage Group | 12 | 19 |
| Vanderbilt Mortgage and Finance, Inc | 10 | 96 |
| First Bank and Trust Company | 10 | 11 |
| Cardinal Financial Company, Li | 10 | 11 |
| First Community Bank | 9 | 15 |
| Truliant Federal Credit Union | 7 | 12 |
| Navy Federal Credit Union | 6 | 6 |
| Mortgage Research Center | 6 | 14 |
| Figure Lending LLC | 5 | 7 |
| GVC Mortgage, Inc. | 5 | 6 |
| Towne Mortgage Company | 5 | 6 |
| 21ST Mortgage | 5 | 18 |
| Skyline National Bank | 4 | 4 |
| Newrez LLC | 4 | 10 |
| American Partners Federal Credit Union | 3 | 3 |
| Renasant Bank | 3 | 3 |
| Freedom Mortgage Corporation | 3 | 9 |
| Lakeview Loan Servicing, LLC | 3 | 7 |
| First Reliance Bank | 3 | 5 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | under 10 | |
| White | 725 | 27.5% of 581 decided |
| 2 or more minority races | under 10 | |
| Joint | 13 | no rate: base under 50 |
| Race Not Available | 67 | 32.1% of 53 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 697 | 27.4% of 566 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 101 | 35.7% of 70 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 278 | 29.4% of 221 decided |
| Female | 216 | 35.2% of 179 decided |
| Joint | 283 | 21.9% of 224 decided |
| Sex Not Available | 44 | no rate: base under 50 |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2303 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved