Mortgage lending in Bedford County, Virginia
Lenders in Bedford County, Virginia reported 3,554 mortgage applications for 2025, according to the CFPB.
3,554 mortgage applications and 2,146 loans originated in 2025; the denial rate was 20.6% of 2,847 applications decided. The median loan was about $235,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Lynchburg, VA MSA.
- 3,554
- Applications
- 2,146
- Loans originated
- 20.6%
- Denial rate
- 586 denied of 2,847 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,554 | 2,146 |
| 2024 | 3,251 | 1,900 |
| 2023 | 3,093 | 1,822 |
| 2022 | 4,170 | 2,598 |
| 2021 | 6,600 | 4,398 |
| 2020 | 6,191 | 4,250 |
| 2019 | 4,138 | 2,713 |
| 2018 | 3,541 | 2,278 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 198 | 262 |
| United Wholesale Mortgage | 109 | 135 |
| Virginia Federal Credit Union | 101 | 163 |
| Truist Bank | 98 | 157 |
| Atlantic Union Bank | 93 | 128 |
| ALCOVA Mortgage, LLC | 80 | 97 |
| Atlantic Bay Mortgage Group | 73 | 99 |
| Freedom First Federal Credit Union | 56 | 76 |
| Fairway Independent Mort Corp | 55 | 71 |
| First Bank and Trust Company | 55 | 66 |
| First Ciitizens Bank and Trust | 39 | 56 |
| Beacon Credit Union | 37 | 67 |
| Mortgage Research Center | 32 | 73 |
| Navy Federal Credit Union | 31 | 64 |
| Blue Eagle Credit Union | 29 | 40 |
| SWBC Mortgage Corporation | 28 | 32 |
| loanDepot.com LLC | 27 | 46 |
| EMM Loans LLC | 27 | 29 |
| Waterstone Mortgage Corporation | 27 | 34 |
| Nationstar Mortgage | 26 | 34 |
| CNB Bank | 26 | 35 |
| Atlantic Coast Mortgage, LLC | 25 | 31 |
| Freedom Mortgage Corporation | 25 | 57 |
| Lower, LLC | 25 | 30 |
| Movement Mortgage, LLC | 22 | 33 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 55 | no rate: base under 50 |
| Black or African American | 178 | 35.4% of 130 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,675 | 19.6% of 2,187 decided |
| 2 or more minority races | under 10 | |
| Joint | 75 | 20.8% of 53 decided |
| Race Not Available | 557 | 21.2% of 424 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 80 | 26.2% of 61 decided |
| Not Hispanic or Latino | 2,801 | 19.8% of 2,277 decided |
| Joint | 61 | 19.6% of 51 decided |
| Ethnicity Not Available | 612 | 23.8% of 458 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,165 | 24.6% of 923 decided |
| Female | 633 | 23.9% of 489 decided |
| Joint | 1,423 | 16.0% of 1,188 decided |
| Sex Not Available | 333 | 21.1% of 247 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. 719 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