Mortgage lending in Lancaster County, Virginia
Lenders in Lancaster County, Virginia reported 603 mortgage applications for 2025, according to the CFPB.
603 mortgage applications and 340 loans originated in 2025; the denial rate was 23.2% of 474 applications decided. The median loan was about $255,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Lancaster County, VA.
- 603
- Applications
- 340
- Loans originated
- 23.2%
- Denial rate
- 110 denied of 474 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 603 | 340 |
| 2024 | 505 | 295 |
| 2023 | 420 | 244 |
| 2022 | 633 | 383 |
| 2021 | 1,076 | 650 |
| 2020 | 985 | 637 |
| 2019 | 576 | 320 |
| 2018 | 505 | 292 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Chesapeake Bank | 23 | 36 |
| Rocket Mortgage | 23 | 31 |
| Atlantic Union Bank | 22 | 32 |
| DHI Mortgage Company, LTD. | 18 | 23 |
| United Wholesale Mortgage | 15 | 19 |
| NVR Mortgage Finance, Inc. | 14 | 17 |
| Movement Mortgage, LLC | 10 | 13 |
| C&F Mortgage Corporation | 9 | 11 |
| United Bank VA | 9 | 11 |
| TowneBank | 8 | 8 |
| Navy Federal Credit Union | 7 | 18 |
| Virginia Federal Credit Union | 7 | 9 |
| First Heritage Mortgage, LLC | 7 | 7 |
| Truist Bank | 7 | 15 |
| Primis Bank | 6 | 10 |
| Calcon Mutual Mortgage LLC | 6 | 12 |
| Prosperity Home Mortgage, LLC | 5 | 6 |
| New American Funding, LLC. | 5 | 8 |
| Atlantic Bay Mortgage Group | 5 | 8 |
| Guaranteed Rate, Inc. | 5 | 5 |
| Capital Center LLC | 4 | 8 |
| American Financial Resources LLC | 4 | 5 |
| Plaza Home Mortgage, Inc | 4 | 10 |
| M2B Mortgage LLC | 3 | 4 |
| Langley Federal Credit Union | 3 | 6 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | 93 | 48.5% of 66 decided |
| White | 385 | 17.6% of 313 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 111 | 24.7% of 85 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 463 | 21.3% of 366 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 126 | 26.0% of 96 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 164 | 20.9% of 129 decided |
| Female | 160 | 29.8% of 124 decided |
| Joint | 213 | 19.6% of 168 decided |
| Sex Not Available | 66 | 24.5% of 53 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. 585 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