Mortgage lending in Charlottesville city, Virginia
Lenders in Charlottesville city, Virginia reported 993 mortgage applications for 2025, according to the CFPB.
993 mortgage applications and 616 loans originated in 2025; the denial rate was 18.2% of 792 applications decided. The median loan was about $305,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Charlottesville, VA MSA.
- 993
- Applications
- 616
- Loans originated
- 18.2%
- Denial rate
- 144 denied of 792 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 993 | 616 |
| 2024 | 874 | 551 |
| 2023 | 817 | 476 |
| 2022 | 1,294 | 838 |
| 2021 | 2,416 | 1,657 |
| 2020 | 2,447 | 1,654 |
| 2019 | 1,504 | 963 |
| 2018 | 1,323 | 829 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Uva Community Credit Union | 74 | 129 |
| Rocket Mortgage | 37 | 47 |
| First Heritage Mortgage, LLC | 35 | 39 |
| Truist Bank | 32 | 52 |
| United Wholesale Mortgage | 22 | 31 |
| Gray Fox Mortgage, LLC | 21 | 23 |
| Virginia Federal Credit Union | 19 | 23 |
| Fulton Bank, National Association | 19 | 30 |
| NFM, Inc | 18 | 23 |
| Atlantic Coast Mortgage, LLC | 17 | 24 |
| Navy Federal Credit Union | 16 | 26 |
| Ixonia Bank | 15 | 18 |
| Atlantic Union Bank | 15 | 21 |
| Bank of America NA | 13 | 27 |
| First Community Mortgage, Inc. | 12 | 12 |
| Prosperity Home Mortgage, LLC | 11 | 14 |
| CMG Mortgage Inc | 7 | 13 |
| Carter Bank and Trust | 7 | 9 |
| First Ciitizens Bank and Trust | 7 | 17 |
| Kiavi Funding, Inc. | 6 | 6 |
| Crosscountry Mortgage, LLC | 5 | 5 |
| Flexpoint, Inc. | 4 | 4 |
| Tower Federal Credit Union | 4 | 7 |
| Guild Mortgage Company | 4 | 8 |
| Movement Mortgage, LLC | 4 | 5 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 64 | no rate: base under 50 |
| Black or African American | 66 | 32.1% of 56 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 640 | 17.7% of 520 decided |
| 2 or more minority races | under 10 | |
| Joint | 19 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 197 | 14.6% of 151 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 22 | no rate: base under 50 |
| Not Hispanic or Latino | 773 | 19.3% of 622 decided |
| Joint | withheld | |
| Ethnicity Not Available | 185 | 12.6% of 143 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 295 | 23.2% of 233 decided |
| Female | 236 | 28.1% of 192 decided |
| Joint | 342 | 9.9% of 273 decided |
| Sex Not Available | 120 | 9.6% of 94 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. 287 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