Mortgage lending in Henry County, Virginia
Lenders in Henry County, Virginia reported 1,578 mortgage applications for 2025, according to the CFPB.
1,578 mortgage applications and 812 loans originated in 2025; the denial rate was 29.9% of 1,249 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Henry County-Martinsville city, VA HUD Nonmetro FMR Area.
- 1,578
- Applications
- 812
- Loans originated
- 29.9%
- Denial rate
- 374 denied of 1,249 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,578 | 812 |
| 2024 | 1,409 | 754 |
| 2023 | 1,363 | 696 |
| 2022 | 1,415 | 784 |
| 2021 | 1,875 | 1,123 |
| 2020 | 1,378 | 809 |
| 2019 | 1,195 | 644 |
| 2018 | 1,190 | 653 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| ALCOVA Mortgage, LLC | 115 | 151 |
| Rocket Mortgage | 79 | 111 |
| Valleystar Credit Union | 52 | 113 |
| United Wholesale Mortgage | 35 | 54 |
| Carter Bank and Trust | 34 | 44 |
| The Fidelity Bank | 32 | 44 |
| Atlantic Union Bank | 32 | 49 |
| Mortgage Research Center | 28 | 55 |
| Truist Bank | 27 | 60 |
| Atlantic Bay Mortgage Group | 19 | 24 |
| C&F Mortgage Corporation | 17 | 19 |
| loanDepot.com LLC | 16 | 31 |
| Pennymac Loan Services LLC | 16 | 36 |
| Navy Federal Credit Union | 13 | 24 |
| Freedom Mortgage Corporation | 12 | 20 |
| First Horizon Bank | 12 | 25 |
| Vanderbilt Mortgage and Finance, Inc | 11 | 127 |
| Blue Ridge Bank | 11 | 16 |
| Coastal Community Bank | 10 | 27 |
| New American Funding, LLC. | 8 | 26 |
| Truliant Federal Credit Union | 8 | 19 |
| SWBC Mortgage Corporation | 7 | 7 |
| Union Home Mortgage Corp. | 7 | 7 |
| Amerisave Mortgage Company | 7 | 25 |
| American Financial Resources LLC | 6 | 10 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 10 | no rate: base under 50 |
| Black or African American | 282 | 37.8% of 222 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,001 | 27.3% of 811 decided |
| 2 or more minority races | under 10 | |
| Joint | 20 | no rate: base under 50 |
| Race Not Available | 256 | 31.4% of 191 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 53 | no rate: base under 50 |
| Not Hispanic or Latino | 1,229 | 28.9% of 989 decided |
| Joint | 24 | no rate: base under 50 |
| Ethnicity Not Available | 272 | 33.2% of 202 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 573 | 28.7% of 456 decided |
| Female | 455 | 35.4% of 356 decided |
| Joint | 384 | 23.9% of 305 decided |
| Sex Not Available | 166 | 33.3% of 132 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. 2271 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