Mortgage lending in Chesterfield County, Virginia
Lenders in Chesterfield County, Virginia reported 17,531 mortgage applications for 2025, according to the CFPB.
17,531 mortgage applications and 10,860 loans originated in 2025; the denial rate was 18.5% of 13,971 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: Richmond, VA HUD Metro FMR Area.
- 17,531
- Applications
- 10,860
- Loans originated
- 18.5%
- Denial rate
- 2,580 denied of 13,971 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 17,531 | 10,860 |
| 2024 | 16,399 | 10,011 |
| 2023 | 14,743 | 8,672 |
| 2022 | 21,056 | 12,590 |
| 2021 | 37,226 | 24,867 |
| 2020 | 36,003 | 24,070 |
| 2019 | 22,250 | 14,354 |
| 2018 | 17,893 | 11,058 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 872 | 1,133 |
| Virginia Federal Credit Union | 688 | 959 |
| United Wholesale Mortgage | 566 | 782 |
| NVR Mortgage Finance, Inc. | 363 | 534 |
| Truist Bank | 323 | 616 |
| Navy Federal Credit Union | 319 | 627 |
| Capital Center LLC | 318 | 482 |
| Pennymac Loan Services LLC | 274 | 517 |
| C&F Mortgage Corporation | 258 | 314 |
| First Heritage Mortgage, LLC | 245 | 314 |
| Freedom Mortgage Corporation | 215 | 458 |
| Bank of America NA | 180 | 373 |
| ALCOVA Mortgage, LLC | 176 | 198 |
| Movement Mortgage, LLC | 164 | 237 |
| Atlantic Union Bank | 164 | 234 |
| Prosperity Home Mortgage, LLC | 160 | 199 |
| TowneBank | 159 | 203 |
| Newrez LLC | 141 | 366 |
| loanDepot.com LLC | 138 | 239 |
| Lennar Mortgage, LLC | 134 | 161 |
| US Bank, N.A. | 128 | 183 |
| Atlantic Bay Mortgage Group | 123 | 155 |
| Mortgage Research Center | 122 | 290 |
| Call Federal | 121 | 128 |
| Crosscountry Mortgage, LLC | 113 | 166 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 74 | 29.1% of 55 decided |
| Asian | 941 | 16.9% of 741 decided |
| Black or African American | 3,419 | 26.0% of 2,685 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 9,217 | 14.5% of 7,539 decided |
| 2 or more minority races | 59 | no rate: base under 50 |
| Joint | 396 | 14.0% of 329 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 3,393 | 22.8% of 2,554 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,388 | 21.0% of 1,129 decided |
| Not Hispanic or Latino | 12,735 | 17.3% of 10,276 decided |
| Joint | withheld | |
| Ethnicity Not Available | 3,068 | 23.1% of 2,286 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 5,875 | 21.1% of 4,663 decided |
| Female | 4,334 | 21.4% of 3,460 decided |
| Joint | 5,596 | 12.2% of 4,597 decided |
| Sex Not Available | 1,726 | 23.4% of 1,251 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. 326 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