Mortgage lending in Cumberland County, Virginia
Lenders in Cumberland County, Virginia reported 455 mortgage applications for 2025, according to the CFPB.
455 mortgage applications and 261 loans originated in 2025; the denial rate was 21.8% of 349 applications decided. The median loan was about $235,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Cumberland County, VA.
- 455
- Applications
- 261
- Loans originated
- 21.8%
- Denial rate
- 76 denied of 349 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 455 | 261 |
| 2024 | 447 | 248 |
| 2023 | 401 | 209 |
| 2022 | 422 | 228 |
| 2021 | 624 | 339 |
| 2020 | 526 | 307 |
| 2019 | 421 | 224 |
| 2018 | 372 | 182 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| C&F Mortgage Corporation | 23 | 26 |
| Rocket Mortgage | 22 | 31 |
| Virginia Federal Credit Union | 15 | 21 |
| Citizens and Farmers Bank | 13 | 21 |
| United Wholesale Mortgage | 11 | 15 |
| ALCOVA Mortgage, LLC | 11 | 15 |
| Benchmark Community Bank | 9 | 12 |
| Citizens Bank & Trust Co. | 8 | 10 |
| Southern Trust Mortgage, LLC | 8 | 10 |
| American Financial Resources LLC | 6 | 6 |
| Freedom Mortgage Corporation | 6 | 9 |
| Crosscountry Mortgage, LLC | 6 | 7 |
| Colonial Farm Credit ACA | 5 | 5 |
| TowneBank | 4 | 4 |
| Movement Mortgage, LLC | 4 | 5 |
| Mortgage Research Center | 4 | 12 |
| SWBC Mortgage Corporation | 4 | 5 |
| NFM, Inc | 4 | 4 |
| C&F Select LLC | 4 | 4 |
| Pennymac Loan Services LLC | 4 | 7 |
| Vanderbilt Mortgage and Finance, Inc | 3 | 43 |
| Presidential Bank, FSB | 3 | 3 |
| Atlantic Coast Mortgage, LLC | 3 | 3 |
| Integrity Home Mortgage Corporation | 3 | 5 |
| CMG Mortgage Inc | 3 | 3 |
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 | 67 | no rate: base under 50 |
| White | 305 | 17.5% of 246 decided |
| Joint | 12 | no rate: base under 50 |
| Race Not Available | 65 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 363 | 20.8% of 283 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 73 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 159 | 17.5% of 126 decided |
| Female | 126 | 32.6% of 86 decided |
| Joint | 139 | 17.2% of 116 decided |
| Sex Not Available | 31 | 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. 720 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