Mortgage lending in Spotsylvania County, Virginia
Lenders in Spotsylvania County, Virginia reported 8,088 mortgage applications for 2025, according to the CFPB.
8,088 mortgage applications and 4,657 loans originated in 2025; the denial rate was 22.1% of 6,383 applications decided. The median loan was about $355,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area.
- 8,088
- Applications
- 4,657
- Loans originated
- 22.1%
- Denial rate
- 1,412 denied of 6,383 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 8,088 | 4,657 |
| 2024 | 7,280 | 4,189 |
| 2023 | 6,062 | 3,381 |
| 2022 | 9,365 | 5,352 |
| 2021 | 16,802 | 10,822 |
| 2020 | 15,731 | 10,205 |
| 2019 | 9,502 | 5,741 |
| 2018 | 7,630 | 4,508 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Navy Federal Credit Union | 363 | 664 |
| Rocket Mortgage | 363 | 478 |
| United Wholesale Mortgage | 292 | 395 |
| NVR Mortgage Finance, Inc. | 250 | 368 |
| Movement Mortgage, LLC | 185 | 275 |
| Atlantic Coast Mortgage, LLC | 138 | 173 |
| Freedom Mortgage Corporation | 122 | 255 |
| Virginia Federal Credit Union | 115 | 174 |
| Pennymac Loan Services LLC | 108 | 202 |
| Atlantic Union Bank | 103 | 167 |
| PNC Bank N.A. | 103 | 162 |
| Mortgage Research Center | 98 | 216 |
| CMG Mortgage Inc | 90 | 129 |
| K. Hovnanian American Mortgage | 81 | 136 |
| Guaranteed Rate, Inc. | 80 | 133 |
| Crosscountry Mortgage, LLC | 75 | 116 |
| Truist Bank | 70 | 158 |
| Fairway Independent Mort Corp | 68 | 96 |
| loanDepot.com LLC | 66 | 89 |
| Newrez LLC | 57 | 170 |
| Nationstar Mortgage | 57 | 78 |
| Figure Lending LLC | 43 | 93 |
| NFM, Inc | 42 | 52 |
| First Heritage Mortgage, LLC | 37 | 47 |
| Prosperity Home Mortgage, LLC | 36 | 44 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 61 | no rate: base under 50 |
| Asian | 404 | 27.5% of 313 decided |
| Black or African American | 1,451 | 28.3% of 1,120 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 4,300 | 19.1% of 3,473 decided |
| 2 or more minority races | 33 | no rate: base under 50 |
| Joint | 238 | 11.3% of 194 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,580 | 24.8% of 1,188 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 921 | 28.8% of 721 decided |
| Not Hispanic or Latino | 5,506 | 20.8% of 4,404 decided |
| Joint | 237 | 15.7% of 185 decided |
| Ethnicity Not Available | 1,424 | 24.2% of 1,073 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,083 | 23.3% of 2,402 decided |
| Female | 1,751 | 26.4% of 1,382 decided |
| Joint | 2,543 | 16.9% of 2,051 decided |
| Sex Not Available | 711 | 25.9% of 548 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. 150 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