Mortgage lending in Henrico County, Virginia
Lenders in Henrico County, Virginia reported 13,195 mortgage applications for 2025, according to the CFPB.
13,195 mortgage applications and 8,203 loans originated in 2025; the denial rate was 19.1% of 10,619 applications decided. The median loan was about $275,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Richmond, VA HUD Metro FMR Area.
- 13,195
- Applications
- 8,203
- Loans originated
- 19.1%
- Denial rate
- 2,027 denied of 10,619 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 13,195 | 8,203 |
| 2024 | 11,883 | 7,292 |
| 2023 | 10,932 | 6,437 |
| 2022 | 15,512 | 9,298 |
| 2021 | 29,076 | 19,293 |
| 2020 | 27,922 | 18,458 |
| 2019 | 17,809 | 11,193 |
| 2018 | 14,673 | 8,984 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 554 | 733 |
| Virginia Federal Credit Union | 536 | 793 |
| United Wholesale Mortgage | 408 | 546 |
| Capital Center LLC | 365 | 536 |
| First Heritage Mortgage, LLC | 290 | 374 |
| Truist Bank | 280 | 570 |
| TowneBank | 229 | 285 |
| Pennymac Loan Services LLC | 194 | 360 |
| Atlantic Union Bank | 175 | 256 |
| Navy Federal Credit Union | 174 | 378 |
| NVR Mortgage Finance, Inc. | 172 | 278 |
| Bank of America NA | 168 | 367 |
| C&F Mortgage Corporation | 162 | 197 |
| Movement Mortgage, LLC | 140 | 189 |
| Prosperity Home Mortgage, LLC | 137 | 171 |
| Freedom Mortgage Corporation | 121 | 266 |
| Henrico Federal Credit Union | 119 | 161 |
| JPMorgan Chase Bank, NA | 114 | 140 |
| Atlantic Bay Mortgage Group | 113 | 132 |
| US Bank, N.A. | 108 | 164 |
| CMG Mortgage Inc | 107 | 141 |
| NFM, Inc | 100 | 111 |
| loanDepot.com LLC | 95 | 150 |
| Atlantic Coast Mortgage, LLC | 89 | 106 |
| United Bank VA | 89 | 123 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 44 | no rate: base under 50 |
| Asian | 1,613 | 18.6% of 1,258 decided |
| Black or African American | 2,907 | 26.6% of 2,314 decided |
| Native Hawaiian or Other Pacific Islander | 22 | no rate: base under 50 |
| White | 5,844 | 15.2% of 4,889 decided |
| 2 or more minority races | 49 | no rate: base under 50 |
| Joint | 279 | 7.9% of 229 decided |
| Race Not Available | 2,437 | 21.2% of 1,844 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 585 | 22.0% of 481 decided |
| Not Hispanic or Latino | 10,063 | 18.4% of 8,192 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,326 | 22.1% of 1,771 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 4,474 | 20.7% of 3,576 decided |
| Female | 3,781 | 21.8% of 3,090 decided |
| Joint | 3,655 | 13.7% of 3,021 decided |
| Sex Not Available | 1,285 | 21.6% of 932 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. 445 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