Mortgage lending in Fredericksburg city, Virginia
Lenders in Fredericksburg city, Virginia reported 821 mortgage applications for 2025, according to the CFPB.
821 mortgage applications and 498 loans originated in 2025; the denial rate was 18.4% of 653 applications decided. The median loan was about $345,000. 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.
- 821
- Applications
- 498
- Loans originated
- 18.4%
- Denial rate
- 120 denied of 653 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 821 | 498 |
| 2024 | 813 | 473 |
| 2023 | 703 | 437 |
| 2022 | 1,220 | 782 |
| 2021 | 1,930 | 1,302 |
| 2020 | 1,908 | 1,241 |
| 2019 | 1,066 | 672 |
| 2018 | 854 | 540 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 38 | 49 |
| Navy Federal Credit Union | 34 | 66 |
| Movement Mortgage, LLC | 25 | 32 |
| Atlantic Union Bank | 22 | 26 |
| United Wholesale Mortgage | 21 | 34 |
| Atlantic Coast Mortgage, LLC | 17 | 18 |
| Linkbank | 17 | 21 |
| Ameris Bank | 13 | 13 |
| Fairway Independent Mort Corp | 12 | 14 |
| Freedom Mortgage Corporation | 11 | 22 |
| PNC Bank N.A. | 11 | 20 |
| Prosperity Home Mortgage, LLC | 9 | 10 |
| Mortgage Research Center | 9 | 20 |
| NVR Mortgage Finance, Inc. | 9 | 12 |
| Pennymac Loan Services LLC | 9 | 18 |
| Truist Bank | 8 | 14 |
| Kiavi Funding, Inc. | 7 | 9 |
| Virginia Federal Credit Union | 7 | 12 |
| C&F Mortgage Corporation | 7 | 8 |
| Guaranteed Rate, Inc. | 7 | 8 |
| Shore United Bank, N.A. | 6 | 6 |
| Summit Funding.inc | 6 | 6 |
| CMG Mortgage Inc | 6 | 7 |
| Nationstar Mortgage | 6 | 9 |
| Peoples Mortgage Company | 6 | 9 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 46 | no rate: base under 50 |
| Black or African American | 132 | 26.2% of 103 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 440 | 14.6% of 350 decided |
| 2 or more minority races | under 10 | |
| Joint | 20 | no rate: base under 50 |
| Race Not Available | 172 | 21.4% of 140 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 80 | 29.7% of 64 decided |
| Not Hispanic or Latino | 566 | 17.5% of 446 decided |
| Joint | withheld | |
| Ethnicity Not Available | 150 | 17.1% of 123 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 317 | 22.0% of 245 decided |
| Female | 190 | 24.8% of 157 decided |
| Joint | 214 | 7.6% of 171 decided |
| Sex Not Available | 100 | 17.5% of 80 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. 170 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