Mortgage lending in Montgomery County, Virginia
Lenders in Montgomery County, Virginia reported 2,474 mortgage applications for 2025, according to the CFPB.
2,474 mortgage applications and 1,576 loans originated in 2025; the denial rate was 17.4% of 2,018 applications decided. The median loan was about $235,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Blacksburg-Christiansburg-Radford, VA HUD Metro FMR Area.
- 2,474
- Applications
- 1,576
- Loans originated
- 17.4%
- Denial rate
- 351 denied of 2,018 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,474 | 1,576 |
| 2024 | 2,186 | 1,355 |
| 2023 | 2,109 | 1,299 |
| 2022 | 2,736 | 1,839 |
| 2021 | 4,636 | 3,267 |
| 2020 | 4,754 | 3,401 |
| 2019 | 3,064 | 2,043 |
| 2018 | 2,559 | 1,717 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Freedom First Federal Credit Union | 116 | 153 |
| ALCOVA Mortgage, LLC | 111 | 136 |
| Atlantic Union Bank | 77 | 104 |
| Rocket Mortgage | 74 | 103 |
| Movement Mortgage, LLC | 73 | 93 |
| National Bank of Blacksburg | 71 | 76 |
| First Heritage Mortgage, LLC | 66 | 72 |
| Prosperity Home Mortgage, LLC | 57 | 80 |
| United Wholesale Mortgage | 57 | 81 |
| Atlantic Bay Mortgage Group | 57 | 64 |
| First Bank and Trust Company | 55 | 67 |
| Virginia Federal Credit Union | 50 | 85 |
| Skyline National Bank | 42 | 46 |
| Truist Bank | 41 | 68 |
| CMG Mortgage Inc | 36 | 44 |
| Waterstone Mortgage Corporation | 28 | 45 |
| Calcon Mutual Mortgage LLC | 28 | 55 |
| Navy Federal Credit Union | 27 | 42 |
| M2B Mortgage LLC | 21 | 21 |
| Truliant Federal Credit Union | 21 | 39 |
| Freedom Mortgage Corporation | 18 | 28 |
| First Ciitizens Bank and Trust | 16 | 22 |
| Pennymac Loan Services LLC | 15 | 30 |
| Nationstar Mortgage | 14 | 26 |
| Capital Center LLC | 12 | 15 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 116 | 9.0% of 89 decided |
| Black or African American | 60 | 39.2% of 51 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,829 | 16.9% of 1,525 decided |
| 2 or more minority races | under 10 | |
| Joint | 62 | no rate: base under 50 |
| Race Not Available | 393 | 17.3% of 295 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 55 | no rate: base under 50 |
| Not Hispanic or Latino | 1,987 | 17.2% of 1,655 decided |
| Joint | 30 | no rate: base under 50 |
| Ethnicity Not Available | 402 | 17.6% of 290 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 755 | 21.0% of 609 decided |
| Female | 465 | 22.1% of 376 decided |
| Joint | 1,003 | 13.1% of 849 decided |
| Sex Not Available | 251 | 15.8% of 184 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. 723 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