Mortgage lending in Albemarle County, Virginia
Lenders in Albemarle County, Virginia reported 3,826 mortgage applications for 2025, according to the CFPB.
3,826 mortgage applications and 2,373 loans originated in 2025; the denial rate was 17.4% of 2,989 applications decided. The median loan was about $325,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Charlottesville, VA MSA.
- 3,826
- Applications
- 2,373
- Loans originated
- 17.4%
- Denial rate
- 521 denied of 2,989 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,826 | 2,373 |
| 2024 | 3,519 | 2,150 |
| 2023 | 3,209 | 2,044 |
| 2022 | 4,480 | 2,970 |
| 2021 | 8,525 | 5,795 |
| 2020 | 8,633 | 5,781 |
| 2019 | 5,043 | 3,405 |
| 2018 | 4,324 | 2,787 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Uva Community Credit Union | 310 | 522 |
| Rocket Mortgage | 148 | 200 |
| Gray Fox Mortgage, LLC | 132 | 150 |
| First Heritage Mortgage, LLC | 117 | 135 |
| United Wholesale Mortgage | 103 | 129 |
| Truist Bank | 92 | 186 |
| Fulton Bank, National Association | 82 | 103 |
| Bank of America NA | 66 | 127 |
| Navy Federal Credit Union | 58 | 117 |
| CMG Mortgage Inc | 48 | 63 |
| Atlantic Coast Mortgage, LLC | 46 | 56 |
| Atlantic Union Bank | 44 | 68 |
| Pennymac Loan Services LLC | 38 | 65 |
| Capital Center LLC | 33 | 46 |
| Virginia Federal Credit Union | 32 | 47 |
| JPMorgan Chase Bank, NA | 31 | 42 |
| Prosperity Home Mortgage, LLC | 30 | 46 |
| Ixonia Bank | 30 | 39 |
| NFM, Inc | 29 | 35 |
| First Community Mortgage, Inc. | 27 | 29 |
| Guild Mortgage Company | 26 | 38 |
| Newrez LLC | 26 | 58 |
| First Ciitizens Bank and Trust | 26 | 51 |
| Wells Fargo Bank NA | 24 | 38 |
| Freedom Mortgage Corporation | 22 | 48 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 15 | no rate: base under 50 |
| Asian | 214 | 17.2% of 157 decided |
| Black or African American | 163 | 28.5% of 123 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,642 | 16.7% of 2,106 decided |
| 2 or more minority races | withheld | |
| Joint | 100 | 16.1% of 81 decided |
| Race Not Available | 677 | 17.5% of 503 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 120 | 28.9% of 83 decided |
| Not Hispanic or Latino | 2,960 | 17.0% of 2,332 decided |
| Joint | 94 | 15.8% of 76 decided |
| Ethnicity Not Available | 652 | 17.9% of 498 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,078 | 20.6% of 828 decided |
| Female | 799 | 21.6% of 619 decided |
| Joint | 1,576 | 13.3% of 1,266 decided |
| Sex Not Available | 373 | 17.4% of 276 decided |
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. 217 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