Mortgage lending in Orange County, Virginia
Lenders in Orange County, Virginia reported 2,390 mortgage applications for 2025, according to the CFPB.
2,390 mortgage applications and 1,425 loans originated in 2025; the denial rate was 20.2% of 1,884 applications decided. The median loan was about $305,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Orange County, VA.
- 2,390
- Applications
- 1,425
- Loans originated
- 20.2%
- Denial rate
- 380 denied of 1,884 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,390 | 1,425 |
| 2024 | 2,055 | 1,252 |
| 2023 | 1,808 | 1,040 |
| 2022 | 2,422 | 1,473 |
| 2021 | 4,023 | 2,570 |
| 2020 | 3,617 | 2,226 |
| 2019 | 2,407 | 1,471 |
| 2018 | 2,013 | 1,171 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 102 | 147 |
| United Wholesale Mortgage | 66 | 82 |
| Uva Community Credit Union | 61 | 115 |
| Navy Federal Credit Union | 55 | 108 |
| NVR Mortgage Finance, Inc. | 52 | 76 |
| Homeamerican Mortgage Corporation | 49 | 77 |
| Movement Mortgage, LLC | 47 | 59 |
| Atlantic Union Bank | 45 | 65 |
| First Heritage Mortgage, LLC | 44 | 50 |
| Atlantic Coast Mortgage, LLC | 42 | 55 |
| Pennymac Loan Services LLC | 42 | 70 |
| Truist Bank | 41 | 72 |
| Mortgage Research Center | 38 | 69 |
| K. Hovnanian American Mortgage | 34 | 46 |
| CMG Mortgage Inc | 30 | 40 |
| Fairway Independent Mort Corp | 26 | 37 |
| ALCOVA Mortgage, LLC | 22 | 25 |
| Crosscountry Mortgage, LLC | 20 | 27 |
| Bank of America NA | 20 | 47 |
| Freedom Mortgage Corporation | 18 | 46 |
| NFM, Inc | 17 | 25 |
| Summit Funding.inc | 14 | 17 |
| Virginia Federal Credit Union | 14 | 25 |
| Newrez LLC | 14 | 37 |
| Prosperity Home Mortgage, LLC | 13 | 21 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 52 | no rate: base under 50 |
| Black or African American | 239 | 22.9% of 175 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,616 | 18.4% of 1,292 decided |
| 2 or more minority races | under 10 | |
| Joint | 69 | 16.1% of 56 decided |
| Race Not Available | 390 | 23.9% of 297 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 152 | 18.3% of 120 decided |
| Not Hispanic or Latino | 1,804 | 19.7% of 1,439 decided |
| Joint | withheld | |
| Ethnicity Not Available | 387 | 24.2% of 289 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 832 | 21.9% of 661 decided |
| Female | 541 | 20.5% of 420 decided |
| Joint | 816 | 16.9% of 657 decided |
| Sex Not Available | 201 | 26.0% of 146 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. 286 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