Mortgage lending in Culpeper County, Virginia
Lenders in Culpeper County, Virginia reported 2,516 mortgage applications for 2025, according to the CFPB.
2,516 mortgage applications and 1,504 loans originated in 2025; the denial rate was 22.3% of 2,031 applications decided. The median loan was about $355,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Culpeper County, VA HUD Metro FMR Area.
- 2,516
- Applications
- 1,504
- Loans originated
- 22.3%
- Denial rate
- 452 denied of 2,031 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,516 | 1,504 |
| 2024 | 2,218 | 1,315 |
| 2023 | 1,898 | 1,116 |
| 2022 | 2,586 | 1,556 |
| 2021 | 4,790 | 3,136 |
| 2020 | 4,324 | 2,819 |
| 2019 | 2,878 | 1,798 |
| 2018 | 2,254 | 1,328 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 130 | 171 |
| NVR Mortgage Finance, Inc. | 96 | 148 |
| Truist Bank | 69 | 132 |
| Navy Federal Credit Union | 60 | 117 |
| Uva Community Credit Union | 57 | 104 |
| United Wholesale Mortgage | 55 | 74 |
| Lennar Mortgage, LLC | 50 | 68 |
| Atlantic Coast Mortgage, LLC | 44 | 58 |
| NFM, Inc | 42 | 53 |
| CMG Mortgage Inc | 40 | 47 |
| Pennymac Loan Services LLC | 39 | 67 |
| Freedom Mortgage Corporation | 36 | 76 |
| Atlantic Union Bank | 32 | 62 |
| Embrace Home Loans, Inc. | 30 | 37 |
| Movement Mortgage, LLC | 28 | 41 |
| Integrity Home Mortgage Corporation | 22 | 26 |
| Mortgage Research Center | 22 | 40 |
| Crosscountry Mortgage, LLC | 21 | 27 |
| Guild Mortgage Company | 18 | 23 |
| Pentagon Federal Credit Union | 18 | 22 |
| First Heritage Mortgage, LLC | 16 | 19 |
| Oak View National Bank | 16 | 17 |
| Newrez LLC | 15 | 39 |
| Apple Federal Credit Union | 14 | 36 |
| Prosperity Home Mortgage, LLC | 14 | 19 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 19 | no rate: base under 50 |
| Asian | 80 | 18.3% of 60 decided |
| Black or African American | 239 | 30.3% of 188 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,630 | 20.7% of 1,350 decided |
| 2 or more minority races | under 10 | |
| Joint | 102 | 17.3% of 81 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 431 | 24.7% of 324 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 276 | 29.0% of 221 decided |
| Not Hispanic or Latino | 1,755 | 20.7% of 1,437 decided |
| Joint | 82 | 15.7% of 70 decided |
| Ethnicity Not Available | 403 | 26.4% of 303 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 897 | 23.2% of 716 decided |
| Female | 466 | 28.5% of 379 decided |
| Joint | 942 | 16.1% of 788 decided |
| Sex Not Available | 211 | 34.5% of 148 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. 147 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