Mortgage lending in Essex County, Virginia
Lenders in Essex County, Virginia reported 508 mortgage applications for 2025, according to the CFPB.
508 mortgage applications and 292 loans originated in 2025; the denial rate was 24.9% of 402 applications decided. The median loan was about $225,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Essex County, VA.
- 508
- Applications
- 292
- Loans originated
- 24.9%
- Denial rate
- 100 denied of 402 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 508 | 292 |
| 2024 | 466 | 231 |
| 2023 | 425 | 210 |
| 2022 | 600 | 325 |
| 2021 | 870 | 516 |
| 2020 | 733 | 400 |
| 2019 | 484 | 288 |
| 2018 | 439 | 247 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Bank VA | 35 | 43 |
| Atlantic Union Bank | 25 | 35 |
| Rocket Mortgage | 21 | 27 |
| Mortgage Research Center | 16 | 24 |
| Pennymac Loan Services LLC | 11 | 13 |
| Virginia Federal Credit Union | 10 | 18 |
| Navy Federal Credit Union | 9 | 22 |
| Movement Mortgage, LLC | 9 | 12 |
| Primis Bank | 8 | 13 |
| C&F Mortgage Corporation | 7 | 8 |
| Truist Bank | 7 | 11 |
| Capital Center LLC | 5 | 6 |
| Chesapeake Bank | 5 | 5 |
| TowneBank | 5 | 7 |
| United Wholesale Mortgage | 5 | 11 |
| Nationstar Mortgage | 5 | 5 |
| Langley Federal Credit Union | 4 | 5 |
| CMG Mortgage Inc | 4 | 5 |
| NFM, Inc | 4 | 4 |
| Union Home Mortgage Corp. | 4 | 7 |
| ALCOVA Mortgage, LLC | 4 | 5 |
| Vanderbilt Mortgage and Finance, Inc | 3 | 47 |
| Atlantic Coast Mortgage, LLC | 3 | 5 |
| loanDepot.com LLC | 3 | 4 |
| New American Funding, LLC. | 3 | 5 |
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 | 111 | 48.8% of 80 decided |
| White | 299 | 18.0% of 244 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 82 | 23.4% of 64 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 390 | 24.2% of 318 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 90 | 29.7% of 64 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 165 | 24.4% of 131 decided |
| Female | 150 | 38.5% of 109 decided |
| Joint | 153 | 13.7% of 131 decided |
| Sex Not Available | 40 | 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. 836 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