Mortgage lending in Fluvanna County, Virginia
Lenders in Fluvanna County, Virginia reported 1,474 mortgage applications for 2025, according to the CFPB.
1,474 mortgage applications and 892 loans originated in 2025; the denial rate was 20.2% of 1,165 applications decided. The median loan was about $255,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Charlottesville, VA MSA.
- 1,474
- Applications
- 892
- Loans originated
- 20.2%
- Denial rate
- 235 denied of 1,165 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,474 | 892 |
| 2024 | 1,339 | 764 |
| 2023 | 1,220 | 697 |
| 2022 | 1,644 | 995 |
| 2021 | 2,697 | 1,722 |
| 2020 | 2,537 | 1,637 |
| 2019 | 1,649 | 998 |
| 2018 | 1,310 | 826 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Uva Community Credit Union | 104 | 160 |
| First Heritage Mortgage, LLC | 90 | 99 |
| Rocket Mortgage | 71 | 95 |
| United Wholesale Mortgage | 33 | 50 |
| Atlantic Coast Mortgage, LLC | 31 | 37 |
| Truist Bank | 29 | 53 |
| CMG Mortgage Inc | 28 | 32 |
| Navy Federal Credit Union | 21 | 37 |
| Prosperity Home Mortgage, LLC | 20 | 26 |
| Freedom Mortgage Corporation | 20 | 36 |
| Atlantic Union Bank | 19 | 35 |
| Crosscountry Mortgage, LLC | 18 | 22 |
| Bank of America NA | 17 | 34 |
| Mortgage Research Center | 15 | 35 |
| Virginia Federal Credit Union | 14 | 25 |
| Ixonia Bank | 11 | 15 |
| Towne First Mortgage, LLC | 11 | 13 |
| Pennymac Loan Services LLC | 11 | 26 |
| NFM, Inc | 10 | 12 |
| Gray Fox Mortgage, LLC | 9 | 11 |
| Nationstar Mortgage | 9 | 16 |
| United Bank VA | 9 | 11 |
| Mutual of Omaha Mortgage | 9 | 11 |
| First Community Mortgage, Inc. | 8 | 9 |
| ALCOVA Mortgage, LLC | 8 | 10 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 29 | no rate: base under 50 |
| Black or African American | 122 | 31.2% of 93 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,044 | 18.1% of 833 decided |
| 2 or more minority races | under 10 | |
| Joint | 32 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 238 | 24.0% of 183 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 45 | no rate: base under 50 |
| Not Hispanic or Latino | 1,164 | 19.4% of 931 decided |
| Joint | withheld | |
| Ethnicity Not Available | 242 | 24.2% of 182 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 481 | 21.4% of 374 decided |
| Female | 339 | 28.0% of 261 decided |
| Joint | 521 | 13.3% of 429 decided |
| Sex Not Available | 133 | 24.8% of 101 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. 584 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