Mortgage lending in York County, Virginia
Lenders in York County, Virginia reported 2,881 mortgage applications for 2025, according to the CFPB.
2,881 mortgage applications and 1,850 loans originated in 2025; the denial rate was 15.9% of 2,291 applications decided. The median loan was about $285,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Area.
- 2,881
- Applications
- 1,850
- Loans originated
- 15.9%
- Denial rate
- 365 denied of 2,291 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,881 | 1,850 |
| 2024 | 2,548 | 1,654 |
| 2023 | 2,417 | 1,545 |
| 2022 | 3,223 | 2,096 |
| 2021 | 6,338 | 4,340 |
| 2020 | 6,267 | 4,247 |
| 2019 | 3,564 | 2,363 |
| 2018 | 2,737 | 1,775 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Langley Federal Credit Union | 243 | 279 |
| Atlantic Bay Mortgage Group | 103 | 129 |
| Rocket Mortgage | 102 | 130 |
| Navy Federal Credit Union | 95 | 170 |
| BayPort Credit Union | 90 | 145 |
| United Wholesale Mortgage | 79 | 116 |
| 1ST Advantage Federal Credit U | 76 | 115 |
| NVR Mortgage Finance, Inc. | 61 | 76 |
| American Neighborhood Mortgage Acceptance Company | 57 | 78 |
| TowneBank | 55 | 63 |
| Mortgage Research Center | 55 | 129 |
| Pennymac Loan Services LLC | 48 | 84 |
| Truist Bank | 45 | 82 |
| Movement Mortgage, LLC | 41 | 59 |
| Prosperity Home Mortgage, LLC | 35 | 41 |
| Freedom Mortgage Corporation | 34 | 69 |
| Ameris Bank | 25 | 31 |
| Calcon Mutual Mortgage LLC | 22 | 29 |
| Bank of America NA | 21 | 48 |
| Newrez LLC | 17 | 65 |
| Guild Mortgage Company | 16 | 18 |
| CMG Mortgage Inc | 14 | 19 |
| Nationstar Mortgage | 14 | 23 |
| Atlantic Union Bank | 12 | 14 |
| Usaa Federal Savings Bank | 12 | 24 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | withheld | |
| Asian | 169 | 17.2% of 134 decided |
| Black or African American | 301 | 22.4% of 228 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,745 | 14.5% of 1,418 decided |
| 2 or more minority races | 21 | no rate: base under 50 |
| Joint | 113 | 9.4% of 96 decided |
| Race Not Available | 510 | 17.3% of 381 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 154 | 15.8% of 114 decided |
| Not Hispanic or Latino | 2,182 | 15.6% of 1,765 decided |
| Joint | 80 | 4.5% of 66 decided |
| Ethnicity Not Available | 465 | 19.7% of 346 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 997 | 17.0% of 788 decided |
| Female | 549 | 22.9% of 427 decided |
| Joint | 1,106 | 11.0% of 910 decided |
| Sex Not Available | 229 | 19.9% of 166 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. 390 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