Mortgage lending in Westmoreland County, Virginia
Lenders in Westmoreland County, Virginia reported 1,305 mortgage applications for 2025, according to the CFPB.
1,305 mortgage applications and 746 loans originated in 2025; the denial rate was 22.6% of 1,001 applications decided. The median loan was about $265,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Westmoreland County, VA.
- 1,305
- Applications
- 746
- Loans originated
- 22.6%
- Denial rate
- 226 denied of 1,001 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,305 | 746 |
| 2024 | 1,154 | 651 |
| 2023 | 1,026 | 580 |
| 2022 | 1,398 | 842 |
| 2021 | 2,067 | 1,314 |
| 2020 | 1,736 | 1,114 |
| 2019 | 1,150 | 682 |
| 2018 | 1,079 | 614 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 58 | 79 |
| Atlantic Union Bank | 40 | 58 |
| United Wholesale Mortgage | 36 | 49 |
| Navy Federal Credit Union | 31 | 69 |
| Truist Bank | 26 | 36 |
| Mortgage Research Center | 25 | 44 |
| Movement Mortgage, LLC | 24 | 38 |
| Pennymac Loan Services LLC | 22 | 42 |
| C&F Mortgage Corporation | 20 | 23 |
| United Bank VA | 20 | 22 |
| Freedom Mortgage Corporation | 19 | 35 |
| Prosperity Home Mortgage, LLC | 18 | 19 |
| Atlantic Coast Mortgage, LLC | 18 | 22 |
| Fairway Independent Mort Corp | 15 | 23 |
| Guaranteed Rate, Inc. | 15 | 17 |
| Newrez LLC | 14 | 45 |
| Virginia Federal Credit Union | 12 | 21 |
| Citizens and Farmers Bank | 11 | 18 |
| CMG Mortgage Inc | 10 | 11 |
| Planet Home Lending, LLC | 8 | 10 |
| First Home Mortgage | 8 | 8 |
| Nationstar Mortgage | 8 | 8 |
| Kind Lending, LLC | 8 | 10 |
| Atlantic Bay Mortgage Group | 8 | 8 |
| Crosscountry Mortgage, LLC | 8 | 11 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 17 | no rate: base under 50 |
| Black or African American | 161 | 49.6% of 119 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 861 | 17.7% of 665 decided |
| 2 or more minority races | under 10 | |
| Joint | 32 | no rate: base under 50 |
| Race Not Available | 219 | 25.3% of 166 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 56 | no rate: base under 50 |
| Not Hispanic or Latino | 997 | 21.1% of 768 decided |
| Joint | 22 | no rate: base under 50 |
| Ethnicity Not Available | 230 | 24.1% of 170 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 491 | 23.1% of 373 decided |
| Female | 320 | 26.2% of 248 decided |
| Joint | 380 | 17.4% of 298 decided |
| Sex Not Available | 114 | 28.1% of 82 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. 504 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