Mortgage lending in Stafford County, Virginia
Lenders in Stafford County, Virginia reported 8,099 mortgage applications for 2025, according to the CFPB.
8,099 mortgage applications and 4,608 loans originated in 2025; the denial rate was 22.4% of 6,330 applications decided. The median loan was about $405,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the low-income housing hub: Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area.
- 8,099
- Applications
- 4,608
- Loans originated
- 22.4%
- Denial rate
- 1,420 denied of 6,330 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 8,099 | 4,608 |
| 2024 | 7,609 | 4,327 |
| 2023 | 6,759 | 3,711 |
| 2022 | 10,588 | 6,055 |
| 2021 | 20,209 | 13,103 |
| 2020 | 20,284 | 13,198 |
| 2019 | 11,267 | 7,047 |
| 2018 | 8,687 | 5,236 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Navy Federal Credit Union | 433 | 853 |
| Rocket Mortgage | 394 | 524 |
| United Wholesale Mortgage | 337 | 465 |
| Atlantic Coast Mortgage, LLC | 173 | 204 |
| Freedom Mortgage Corporation | 150 | 295 |
| Movement Mortgage, LLC | 133 | 169 |
| Pennymac Loan Services LLC | 131 | 252 |
| Mortgage Research Center | 123 | 268 |
| CMG Mortgage Inc | 110 | 139 |
| Guaranteed Rate, Inc. | 102 | 146 |
| NVR Mortgage Finance, Inc. | 88 | 120 |
| Truist Bank | 80 | 181 |
| Pentagon Federal Credit Union | 63 | 111 |
| Atlantic Union Bank | 63 | 90 |
| loanDepot.com LLC | 62 | 96 |
| PNC Bank N.A. | 61 | 106 |
| Crosscountry Mortgage, LLC | 57 | 81 |
| Newrez LLC | 56 | 168 |
| Fairway Independent Mort Corp | 56 | 72 |
| Nationstar Mortgage | 55 | 67 |
| Bank of America NA | 49 | 165 |
| Apple Federal Credit Union | 45 | 88 |
| Spring Eq, LLC | 38 | 140 |
| Virginia Federal Credit Union | 37 | 51 |
| Figure Lending LLC | 35 | 64 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 55 | no rate: base under 50 |
| Asian | 459 | 21.7% of 346 decided |
| Black or African American | 1,622 | 28.7% of 1,270 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 3,871 | 18.3% of 3,103 decided |
| 2 or more minority races | 42 | no rate: base under 50 |
| Joint | 273 | 15.1% of 219 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,746 | 27.3% of 1,296 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,003 | 28.0% of 792 decided |
| Not Hispanic or Latino | 5,359 | 20.6% of 4,236 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,474 | 26.4% of 1,091 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,130 | 24.2% of 2,432 decided |
| Female | 1,532 | 26.6% of 1,205 decided |
| Joint | 2,670 | 17.2% of 2,146 decided |
| Sex Not Available | 767 | 26.1% of 547 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. 80 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