Mortgage lending in Amherst County, Virginia
Lenders in Amherst County, Virginia reported 1,218 mortgage applications for 2025, according to the CFPB.
1,218 mortgage applications and 710 loans originated in 2025; the denial rate was 24.9% of 992 applications decided. The median loan was about $195,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Lynchburg, VA MSA.
- 1,218
- Applications
- 710
- Loans originated
- 24.9%
- Denial rate
- 247 denied of 992 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,218 | 710 |
| 2024 | 1,066 | 612 |
| 2023 | 1,036 | 597 |
| 2022 | 1,291 | 800 |
| 2021 | 1,885 | 1,166 |
| 2020 | 1,667 | 1,061 |
| 2019 | 1,198 | 727 |
| 2018 | 1,003 | 592 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 82 | 118 |
| Truist Bank | 44 | 67 |
| ALCOVA Mortgage, LLC | 32 | 37 |
| United Wholesale Mortgage | 30 | 45 |
| Fairway Independent Mort Corp | 27 | 32 |
| Mortgage Research Center | 25 | 49 |
| Atlantic Union Bank | 18 | 23 |
| Navy Federal Credit Union | 14 | 20 |
| First Bank and Trust Company | 13 | 15 |
| Pennymac Loan Services LLC | 13 | 19 |
| Virginia Federal Credit Union | 12 | 28 |
| Freedom Mortgage Corporation | 12 | 26 |
| The Farmers Bank of Appomattox | 12 | 13 |
| Beacon Credit Union | 11 | 21 |
| loanDepot.com LLC | 11 | 17 |
| Integrity Home Mortgage Corporation | 11 | 11 |
| T2 Financial LLC | 11 | 13 |
| American Financial Resources LLC | 9 | 12 |
| Atlantic Coast Mortgage, LLC | 9 | 11 |
| Freedom First Federal Credit Union | 9 | 10 |
| Nation One Mortgage Corporatio | 8 | 8 |
| Lower, LLC | 8 | 16 |
| Bank of the James | 8 | 10 |
| Movement Mortgage, LLC | 7 | 10 |
| Nationstar Mortgage | 7 | 16 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 11 | no rate: base under 50 |
| Asian | 13 | no rate: base under 50 |
| Black or African American | 162 | 39.4% of 127 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 778 | 20.9% of 646 decided |
| 2 or more minority races | under 10 | |
| Joint | 34 | no rate: base under 50 |
| Race Not Available | 214 | 28.6% of 171 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 18 | no rate: base under 50 |
| Not Hispanic or Latino | 956 | 23.9% of 786 decided |
| Joint | withheld | |
| Ethnicity Not Available | 226 | 30.6% of 173 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 444 | 25.0% of 356 decided |
| Female | 249 | 35.2% of 199 decided |
| Joint | 399 | 17.0% of 336 decided |
| Sex Not Available | 126 | 30.7% of 101 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. 1209 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