Mortgage lending in Clarke County, Virginia
Lenders in Clarke County, Virginia reported 527 mortgage applications for 2025, according to the CFPB.
527 mortgage applications and 326 loans originated in 2025; the denial rate was 20.2% of 431 applications decided. The median loan was about $315,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area.
- 527
- Applications
- 326
- Loans originated
- 20.2%
- Denial rate
- 87 denied of 431 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 527 | 326 |
| 2024 | 559 | 313 |
| 2023 | 507 | 295 |
| 2022 | 797 | 513 |
| 2021 | 1,475 | 992 |
| 2020 | 1,363 | 918 |
| 2019 | 854 | 517 |
| 2018 | 653 | 408 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 33 | 41 |
| Navy Federal Credit Union | 22 | 39 |
| Truist Bank | 19 | 32 |
| Atlantic Coast Mortgage, LLC | 14 | 17 |
| Bank of Clarke | 13 | 21 |
| United Wholesale Mortgage | 13 | 14 |
| Crosscountry Mortgage, LLC | 9 | 12 |
| Integrity Home Mortgage Corporation | 7 | 7 |
| Northwest Federal Credit Union | 7 | 7 |
| Freedom Mortgage Corporation | 6 | 14 |
| Fairway Independent Mort Corp | 6 | 7 |
| Bank of America NA | 6 | 13 |
| Prosperity Home Mortgage, LLC | 5 | 5 |
| Intercoastal Mortgage, LLC | 5 | 5 |
| CMG Mortgage Inc | 5 | 6 |
| Waterstone Mortgage Corporation | 5 | 5 |
| Horizon Farm Credit, ACA | 5 | 5 |
| Apple Federal Credit Union | 4 | 7 |
| loanDepot.com LLC | 4 | 5 |
| Newrez LLC | 4 | 9 |
| ALCOVA Mortgage, LLC | 4 | 5 |
| Guaranteed Rate, Inc. | 4 | 7 |
| Farmers & Merchants Bank | 4 | 4 |
| Atlantic Union Bank | 4 | 7 |
| PNC Bank N.A. | 4 | 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 | 14 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 403 | 21.1% of 336 decided |
| Joint | 10 | no rate: base under 50 |
| Race Not Available | 86 | 12.7% of 63 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 382 | 20.3% of 325 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 90 | 12.1% of 66 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 182 | 30.7% of 150 decided |
| Female | 93 | 20.3% of 74 decided |
| Joint | 210 | 12.6% of 175 decided |
| Sex Not Available | 42 | no rate: base under 50 |
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. 242 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