Mortgage lending in Caroline County, Virginia
Lenders in Caroline County, Virginia reported 2,134 mortgage applications for 2025, according to the CFPB.
2,134 mortgage applications and 1,245 loans originated in 2025; the denial rate was 23.1% of 1,717 applications decided. The median loan was about $295,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Caroline County, VA.
- 2,134
- Applications
- 1,245
- Loans originated
- 23.1%
- Denial rate
- 397 denied of 1,717 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,134 | 1,245 |
| 2024 | 2,034 | 1,110 |
| 2023 | 1,737 | 922 |
| 2022 | 2,195 | 1,246 |
| 2021 | 3,452 | 2,160 |
| 2020 | 2,827 | 1,747 |
| 2019 | 1,959 | 1,129 |
| 2018 | 1,691 | 957 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 114 | 153 |
| NVR Mortgage Finance, Inc. | 94 | 134 |
| Movement Mortgage, LLC | 70 | 98 |
| loanDepot.com LLC | 67 | 102 |
| United Wholesale Mortgage | 65 | 90 |
| Atlantic Union Bank | 45 | 76 |
| Navy Federal Credit Union | 42 | 112 |
| Pennymac Loan Services LLC | 40 | 72 |
| Atlantic Coast Mortgage, LLC | 35 | 43 |
| Virginia Federal Credit Union | 31 | 54 |
| Homeamerican Mortgage Corporation | 25 | 35 |
| Freedom Mortgage Corporation | 24 | 43 |
| Nationstar Mortgage | 18 | 24 |
| Mortgage Research Center | 17 | 36 |
| Fairway Independent Mort Corp | 17 | 27 |
| Summit Funding.inc | 16 | 20 |
| CMG Mortgage Inc | 16 | 19 |
| Tidewater Mortgage Services, Inc | 14 | 26 |
| American Financial Network, Inc. | 14 | 17 |
| NFM, Inc | 14 | 16 |
| Truist Bank | 14 | 30 |
| Figure Lending LLC | 12 | 22 |
| C&F Mortgage Corporation | 10 | 11 |
| ALCOVA Mortgage, LLC | 10 | 12 |
| Capital Center LLC | 9 | 14 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 16 | no rate: base under 50 |
| Asian | 44 | no rate: base under 50 |
| Black or African American | 453 | 25.6% of 351 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,118 | 19.6% of 930 decided |
| 2 or more minority races | withheld | |
| Joint | 72 | 17.5% of 57 decided |
| Race Not Available | 419 | 30.9% of 324 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 178 | 30.7% of 150 decided |
| Not Hispanic or Latino | 1,501 | 20.4% of 1,219 decided |
| Joint | 51 | no rate: base under 50 |
| Ethnicity Not Available | 404 | 30.7% of 303 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 733 | 21.4% of 594 decided |
| Female | 584 | 25.5% of 467 decided |
| Joint | 619 | 20.0% of 511 decided |
| Sex Not Available | 198 | 33.8% of 145 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. 325 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