Mortgage lending in Louisa County, Virginia
Lenders in Louisa County, Virginia reported 2,628 mortgage applications for 2025, according to the CFPB.
2,628 mortgage applications and 1,534 loans originated in 2025; the denial rate was 22.1% of 2,059 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: Louisa County, VA.
- 2,628
- Applications
- 1,534
- Loans originated
- 22.1%
- Denial rate
- 455 denied of 2,059 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,628 | 1,534 |
| 2024 | 2,319 | 1,320 |
| 2023 | 2,003 | 1,143 |
| 2022 | 2,746 | 1,641 |
| 2021 | 4,262 | 2,767 |
| 2020 | 3,900 | 2,554 |
| 2019 | 2,550 | 1,575 |
| 2018 | 2,033 | 1,228 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 121 | 164 |
| Uva Community Credit Union | 78 | 143 |
| United Wholesale Mortgage | 65 | 110 |
| Ixonia Bank | 56 | 77 |
| Navy Federal Credit Union | 52 | 112 |
| Truist Bank | 52 | 94 |
| Virginia Federal Credit Union | 50 | 68 |
| Movement Mortgage, LLC | 38 | 53 |
| Atlantic Coast Mortgage, LLC | 30 | 33 |
| Freedom Mortgage Corporation | 30 | 67 |
| United Bank VA | 28 | 49 |
| Atlantic Union Bank | 28 | 46 |
| NFM, Inc | 27 | 30 |
| Crosscountry Mortgage, LLC | 27 | 43 |
| Pennymac Loan Services LLC | 27 | 48 |
| CMG Mortgage Inc | 26 | 33 |
| C&F Mortgage Corporation | 25 | 27 |
| Capital Center LLC | 22 | 31 |
| Prosperity Home Mortgage, LLC | 22 | 25 |
| First Heritage Mortgage, LLC | 20 | 23 |
| loanDepot.com LLC | 17 | 30 |
| Lima One Capital, LLC | 16 | 17 |
| Towne First Mortgage, LLC | 16 | 18 |
| TowneBank | 15 | 15 |
| Mortgage Research Center | 15 | 44 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 10 | no rate: base under 50 |
| Asian | 36 | no rate: base under 50 |
| Black or African American | 196 | 35.1% of 151 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,873 | 19.7% of 1,479 decided |
| 2 or more minority races | under 10 | |
| Joint | 75 | 19.0% of 58 decided |
| Race Not Available | 435 | 26.9% of 327 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 87 | 17.5% of 63 decided |
| Not Hispanic or Latino | 2,041 | 21.3% of 1,623 decided |
| Joint | withheld | |
| Ethnicity Not Available | 446 | 26.9% of 335 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 834 | 21.3% of 640 decided |
| Female | 522 | 27.2% of 412 decided |
| Joint | 1,022 | 17.8% of 819 decided |
| Sex Not Available | 250 | 32.5% of 188 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. 330 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