Mortgage lending in Nelson County, Virginia
Lenders in Nelson County, Virginia reported 742 mortgage applications for 2025, according to the CFPB.
742 mortgage applications and 436 loans originated in 2025; the denial rate was 23.5% of 597 applications decided. The median loan was about $245,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Charlottesville, VA MSA.
- 742
- Applications
- 436
- Loans originated
- 23.5%
- Denial rate
- 140 denied of 597 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 742 | 436 |
| 2024 | 660 | 362 |
| 2023 | 687 | 399 |
| 2022 | 928 | 520 |
| 2021 | 1,435 | 897 |
| 2020 | 1,322 | 834 |
| 2019 | 799 | 460 |
| 2018 | 734 | 446 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Uva Community Credit Union | 37 | 66 |
| Rocket Mortgage | 34 | 46 |
| Truist Bank | 21 | 37 |
| Ixonia Bank | 19 | 23 |
| Atlantic Union Bank | 18 | 35 |
| Movement Mortgage, LLC | 14 | 18 |
| United Wholesale Mortgage | 13 | 19 |
| Atlantic Bay Mortgage Group | 13 | 16 |
| Crosscountry Mortgage, LLC | 12 | 18 |
| ALCOVA Mortgage, LLC | 9 | 11 |
| Navy Federal Credit Union | 8 | 16 |
| Dupont Community Credit Union | 8 | 10 |
| Fulton Bank, National Association | 8 | 8 |
| Capital Center LLC | 7 | 14 |
| Atlantic Coast Mortgage, LLC | 7 | 7 |
| Newrez LLC | 7 | 11 |
| Pennymac Loan Services LLC | 6 | 13 |
| Wells Fargo Bank NA | 5 | 7 |
| Figure Lending LLC | 4 | 8 |
| TowneBank | 4 | 4 |
| loanDepot.com LLC | 4 | 9 |
| First Savings Mortgage Corporation | 4 | 4 |
| Waterstone Mortgage Corporation | 4 | 5 |
| United Bank VA | 4 | 6 |
| Guaranteed Rate, Inc. | 4 | 4 |
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 | 40 | no rate: base under 50 |
| White | 546 | 21.3% of 441 decided |
| 2 or more minority races | under 10 | |
| Joint | 16 | no rate: base under 50 |
| Race Not Available | 132 | 20.6% of 107 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 19 | no rate: base under 50 |
| Not Hispanic or Latino | 564 | 24.2% of 454 decided |
| Joint | 15 | no rate: base under 50 |
| Ethnicity Not Available | 144 | 22.4% of 116 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 221 | 29.4% of 170 decided |
| Female | 133 | 35.4% of 110 decided |
| Joint | 305 | 14.0% of 250 decided |
| Sex Not Available | 83 | 23.9% of 67 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. 642 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