Mortgage lending in James City County, Virginia
Lenders in James City County, Virginia reported 3,715 mortgage applications for 2025, according to the CFPB.
3,715 mortgage applications and 2,304 loans originated in 2025; the denial rate was 17.4% of 2,908 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: Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Area.
- 3,715
- Applications
- 2,304
- Loans originated
- 17.4%
- Denial rate
- 506 denied of 2,908 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,715 | 2,304 |
| 2024 | 3,393 | 2,156 |
| 2023 | 3,100 | 1,903 |
| 2022 | 4,304 | 2,735 |
| 2021 | 8,170 | 5,480 |
| 2020 | 8,169 | 5,452 |
| 2019 | 4,703 | 3,055 |
| 2018 | 3,694 | 2,341 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 151 | 183 |
| Langley Federal Credit Union | 145 | 178 |
| 1ST Advantage Federal Credit U | 118 | 172 |
| Atlantic Bay Mortgage Group | 110 | 130 |
| Prosperity Home Mortgage, LLC | 105 | 135 |
| Navy Federal Credit Union | 97 | 199 |
| United Wholesale Mortgage | 81 | 107 |
| TowneBank | 78 | 95 |
| BayPort Credit Union | 75 | 108 |
| Truist Bank | 72 | 115 |
| Movement Mortgage, LLC | 67 | 107 |
| Pennymac Loan Services LLC | 60 | 110 |
| Lennar Mortgage, LLC | 55 | 76 |
| Bank of America NA | 46 | 111 |
| American Neighborhood Mortgage Acceptance Company | 45 | 55 |
| Ameris Bank | 44 | 57 |
| Towne Mortgage | 42 | 62 |
| Freedom Mortgage Corporation | 38 | 97 |
| Citizens and Farmers Bank | 34 | 49 |
| Mortgage Research Center | 28 | 85 |
| ALCOVA Mortgage, LLC | 22 | 29 |
| NVR Mortgage Finance, Inc. | 21 | 31 |
| Fulton Bank, National Association | 21 | 31 |
| C&F Mortgage Corporation | 20 | 26 |
| Capital Center LLC | 19 | 29 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 10 | no rate: base under 50 |
| Asian | 113 | 23.3% of 86 decided |
| Black or African American | 356 | 28.0% of 271 decided |
| Native Hawaiian or Other Pacific Islander | 11 | no rate: base under 50 |
| White | 2,458 | 14.8% of 1,982 decided |
| 2 or more minority races | under 10 | |
| Joint | 91 | 17.1% of 70 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 671 | 19.9% of 482 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 138 | 27.1% of 107 decided |
| Not Hispanic or Latino | 2,811 | 16.9% of 2,234 decided |
| Joint | withheld | |
| Ethnicity Not Available | 667 | 18.3% of 493 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,113 | 19.3% of 876 decided |
| Female | 728 | 22.2% of 577 decided |
| Joint | 1,505 | 13.2% of 1,193 decided |
| Sex Not Available | 369 | 19.9% of 262 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. 446 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