Mortgage lending in Carroll County, Virginia
Lenders in Carroll County, Virginia reported 1,070 mortgage applications for 2025, according to the CFPB.
1,070 mortgage applications and 601 loans originated in 2025; the denial rate was 24.0% of 839 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Carroll County-Galax city, VA HUD Nonmetro FMR Area.
- 1,070
- Applications
- 601
- Loans originated
- 24.0%
- Denial rate
- 201 denied of 839 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,070 | 601 |
| 2024 | 967 | 531 |
| 2023 | 885 | 478 |
| 2022 | 1,137 | 643 |
| 2021 | 1,422 | 888 |
| 2020 | 1,297 | 824 |
| 2019 | 985 | 554 |
| 2018 | 969 | 565 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Skyline National Bank | 86 | 97 |
| Rocket Mortgage | 56 | 82 |
| Atlantic Bay Mortgage Group | 40 | 51 |
| Truist Bank | 29 | 49 |
| Vanderbilt Mortgage and Finance, Inc | 25 | 126 |
| EMM Loans LLC | 24 | 25 |
| ALCOVA Mortgage, LLC | 23 | 30 |
| State Employees' Credit Union | 22 | 27 |
| Truliant Federal Credit Union | 20 | 38 |
| Mortgage Research Center | 14 | 31 |
| Towne Mortgage Company | 14 | 15 |
| First Community Bank | 13 | 24 |
| United Wholesale Mortgage | 13 | 17 |
| Renasant Bank | 11 | 12 |
| Union Home Mortgage Corp. | 10 | 13 |
| Pennymac Loan Services LLC | 10 | 17 |
| Figure Lending LLC | 9 | 16 |
| The Bank of Marion | 8 | 11 |
| Carter Bank and Trust | 8 | 15 |
| loanDepot.com LLC | 7 | 13 |
| Waterstone Mortgage Corporation | 7 | 12 |
| National Bank of Blacksburg | 7 | 7 |
| American Financial Resources LLC | 6 | 9 |
| Wells Fargo Bank NA | 6 | 11 |
| Envoy Mortgage, LTD | 5 | 6 |
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 | 10 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 931 | 22.7% of 728 decided |
| Joint | 12 | no rate: base under 50 |
| Race Not Available | 104 | 31.8% of 85 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 28 | no rate: base under 50 |
| Not Hispanic or Latino | 891 | 22.7% of 702 decided |
| Joint | 15 | no rate: base under 50 |
| Ethnicity Not Available | 136 | 29.5% of 105 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 349 | 20.9% of 263 decided |
| Female | 200 | 34.2% of 152 decided |
| Joint | 462 | 20.3% of 374 decided |
| Sex Not Available | 59 | 36.0% of 50 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. 1664 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