Mortgage lending in Rockingham County, Virginia
Lenders in Rockingham County, Virginia reported 2,951 mortgage applications for 2025, according to the CFPB.
2,951 mortgage applications and 1,868 loans originated in 2025; the denial rate was 18.2% of 2,412 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 low-income housing hub: Harrisonburg, VA MSA.
- 2,951
- Applications
- 1,868
- Loans originated
- 18.2%
- Denial rate
- 439 denied of 2,412 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,951 | 1,868 |
| 2024 | 2,562 | 1,660 |
| 2023 | 2,398 | 1,450 |
| 2022 | 3,572 | 2,327 |
| 2021 | 4,958 | 3,375 |
| 2020 | 4,388 | 3,016 |
| 2019 | 3,081 | 2,076 |
| 2018 | 2,683 | 1,731 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Dupont Community Credit Union | 219 | 287 |
| Farmers & Merchants Bank | 137 | 197 |
| Rocket Mortgage | 110 | 148 |
| Truist Bank | 103 | 167 |
| Integrity Home Mortgage Corporation | 99 | 112 |
| United Wholesale Mortgage | 81 | 118 |
| NVR Mortgage Finance, Inc. | 71 | 121 |
| Park View Federal Credit Union | 71 | 73 |
| Movement Mortgage, LLC | 64 | 75 |
| United Bank VA | 62 | 80 |
| ALCOVA Mortgage, LLC | 50 | 66 |
| Atlantic Union Bank | 40 | 75 |
| First Bank and Trust Company | 30 | 32 |
| Pennymac Loan Services LLC | 27 | 44 |
| Atlantic Coast Mortgage, LLC | 21 | 27 |
| C&F Mortgage Corporation | 21 | 26 |
| Pendleton Community Bank | 18 | 18 |
| First Ciitizens Bank and Trust | 18 | 23 |
| Navy Federal Credit Union | 17 | 28 |
| Nationstar Mortgage | 17 | 26 |
| Kind Lending, LLC | 17 | 24 |
| CommonWealth One Federal Credit Union | 17 | 24 |
| Freedom Mortgage Corporation | 16 | 34 |
| Crosscountry Mortgage, LLC | 15 | 26 |
| Newrez LLC | 14 | 47 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 113 | 19.3% of 88 decided |
| Black or African American | 69 | 35.1% of 57 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,309 | 17.4% of 1,910 decided |
| 2 or more minority races | under 10 | |
| Joint | 65 | 16.1% of 56 decided |
| Race Not Available | 381 | 20.6% of 291 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 241 | 23.0% of 196 decided |
| Not Hispanic or Latino | 2,295 | 17.6% of 1,898 decided |
| Joint | 51 | no rate: base under 50 |
| Ethnicity Not Available | 364 | 19.6% of 275 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 936 | 19.8% of 751 decided |
| Female | 557 | 24.8% of 463 decided |
| Joint | 1,257 | 13.7% of 1,044 decided |
| Sex Not Available | 201 | 20.8% of 154 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. 644 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