Mortgage lending in Franklin County, Virginia
Lenders in Franklin County, Virginia reported 2,261 mortgage applications for 2025, according to the CFPB.
2,261 mortgage applications and 1,388 loans originated in 2025; the denial rate was 20.6% of 1,845 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: Franklin County, VA HUD Metro FMR Area.
- 2,261
- Applications
- 1,388
- Loans originated
- 20.6%
- Denial rate
- 380 denied of 1,845 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,261 | 1,388 |
| 2024 | 2,153 | 1,278 |
| 2023 | 1,943 | 1,115 |
| 2022 | 2,583 | 1,602 |
| 2021 | 3,978 | 2,582 |
| 2020 | 3,798 | 2,499 |
| 2019 | 2,532 | 1,607 |
| 2018 | 2,181 | 1,363 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 101 | 140 |
| Atlantic Bay Mortgage Group | 90 | 101 |
| Virginia Federal Credit Union | 88 | 152 |
| CNB Bank | 77 | 96 |
| United Wholesale Mortgage | 71 | 86 |
| Truist Bank | 63 | 127 |
| Atlantic Union Bank | 54 | 85 |
| Guaranteed Rate, Inc. | 39 | 53 |
| ALCOVA Mortgage, LLC | 36 | 49 |
| Freedom First Federal Credit Union | 35 | 48 |
| Bank of Botetourt | 34 | 34 |
| Mortgage Research Center | 30 | 54 |
| SWBC Mortgage Corporation | 27 | 35 |
| Movement Mortgage, LLC | 25 | 38 |
| Navy Federal Credit Union | 23 | 44 |
| Carter Bank and Trust | 22 | 33 |
| First Ciitizens Bank and Trust | 20 | 25 |
| First Bank and Trust Company | 16 | 20 |
| Integrity Home Mortgage Corporation | 15 | 16 |
| Freedom Mortgage Corporation | 15 | 36 |
| Pennymac Loan Services LLC | 15 | 32 |
| First Horizon Bank | 14 | 22 |
| CMG Mortgage Inc | 12 | 15 |
| Nationstar Mortgage | 12 | 19 |
| Amerisave Mortgage Company | 12 | 33 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 11 | no rate: base under 50 |
| Black or African American | 88 | 43.5% of 69 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,837 | 19.6% of 1,524 decided |
| Joint | 32 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 285 | 20.3% of 212 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 1,883 | 20.7% of 1,567 decided |
| Joint | 38 | no rate: base under 50 |
| Ethnicity Not Available | 302 | 20.3% of 222 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 708 | 23.9% of 569 decided |
| Female | 404 | 30.1% of 329 decided |
| Joint | 972 | 14.3% of 819 decided |
| Sex Not Available | 177 | 21.9% of 128 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. 837 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