Mortgage lending in Frederick County, Virginia
Lenders in Frederick County, Virginia reported 4,794 mortgage applications for 2025, according to the CFPB.
4,794 mortgage applications and 2,992 loans originated in 2025; the denial rate was 18.8% of 3,833 applications decided. The median loan was about $295,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Winchester, VA-WV MSA.
- 4,794
- Applications
- 2,992
- Loans originated
- 18.8%
- Denial rate
- 722 denied of 3,833 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,794 | 2,992 |
| 2024 | 4,411 | 2,794 |
| 2023 | 3,805 | 2,301 |
| 2022 | 5,250 | 3,163 |
| 2021 | 8,961 | 6,015 |
| 2020 | 8,180 | 5,536 |
| 2019 | 5,527 | 3,578 |
| 2018 | 4,395 | 2,824 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Navy Federal Credit Union | 226 | 372 |
| Rocket Mortgage | 217 | 291 |
| DHI Mortgage Company, LTD. | 208 | 280 |
| Crosscountry Mortgage, LLC | 145 | 190 |
| United Wholesale Mortgage | 135 | 186 |
| Integrity Home Mortgage Corporation | 117 | 156 |
| Truist Bank | 102 | 190 |
| loanDepot.com LLC | 95 | 126 |
| Pennymac Loan Services LLC | 85 | 148 |
| Intercoastal Mortgage, LLC | 80 | 86 |
| Bank of Clarke | 77 | 129 |
| Atlantic Coast Mortgage, LLC | 72 | 83 |
| Apple Federal Credit Union | 62 | 104 |
| First Bank | 50 | 63 |
| Freedom Mortgage Corporation | 48 | 102 |
| Homeamerican Mortgage Corporation | 41 | 61 |
| Fairway Independent Mort Corp | 38 | 46 |
| Guild Mortgage Company | 36 | 52 |
| City National Bank of WV | 34 | 54 |
| Mortgage Research Center | 30 | 76 |
| CMG Mortgage Inc | 30 | 34 |
| Nationstar Mortgage | 29 | 37 |
| Newrez LLC | 26 | 80 |
| Figure Lending LLC | 23 | 42 |
| Prosperity Home Mortgage, LLC | 22 | 28 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 24 | no rate: base under 50 |
| Asian | 326 | 17.8% of 270 decided |
| Black or African American | 190 | 23.7% of 152 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,324 | 17.9% of 2,677 decided |
| 2 or more minority races | 11 | no rate: base under 50 |
| Joint | 98 | 15.0% of 80 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 815 | 22.5% of 622 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 509 | 24.6% of 411 decided |
| Not Hispanic or Latino | 3,442 | 17.4% of 2,772 decided |
| Joint | withheld | |
| Ethnicity Not Available | 749 | 22.7% of 573 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,687 | 20.6% of 1,351 decided |
| Female | 965 | 20.7% of 786 decided |
| Joint | 1,752 | 14.5% of 1,411 decided |
| Sex Not Available | 390 | 26.7% of 285 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. 327 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