Mortgage lending in Galax city, Virginia
Lenders in Galax city, Virginia reported 209 mortgage applications for 2025, according to the CFPB.
209 mortgage applications and 103 loans originated in 2025; the denial rate was 32.3% of 164 applications decided. The median loan was about $155,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Carroll County-Galax city, VA HUD Nonmetro FMR Area.
- 209
- Applications
- 103
- Loans originated
- 32.3%
- Denial rate
- 53 denied of 164 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 209 | 103 |
| 2024 | 221 | 121 |
| 2023 | 206 | 106 |
| 2022 | 243 | 149 |
| 2021 | 307 | 174 |
| 2020 | 217 | 141 |
| 2019 | 170 | 94 |
| 2018 | 173 | 105 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Atlantic Bay Mortgage Group | 13 | 16 |
| Skyline National Bank | 11 | 12 |
| Rocket Mortgage | 10 | 15 |
| Truist Bank | 8 | 12 |
| EMM Loans LLC | 5 | 6 |
| National Bank of Blacksburg | 5 | 5 |
| Freedom Mortgage Corporation | 4 | 9 |
| ALCOVA Mortgage, LLC | 4 | 4 |
| New American Funding, LLC. | 3 | 3 |
| Pennymac Loan Services LLC | 3 | 8 |
| First Sentinel Bank | 2 | 3 |
| Vanderbilt Mortgage and Finance, Inc | 2 | 38 |
| Renasant Bank | 2 | 3 |
| Click n' Close, Inc. | 2 | 3 |
| Mortgage Research Center | 2 | 2 |
| Fairway Independent Mort Corp | 2 | 2 |
| New Day Financial, LLC. | 2 | 3 |
| First Bank and Trust Company | 2 | 2 |
| Everett Financial, Inc. | 2 | 2 |
| Legacy Bank | 1 | 1 |
| Planet Home Lending, LLC | 1 | 2 |
| American Financial Resources LLC | 1 | 2 |
| Third Federal Savings and Loan | 1 | 1 |
| loanDepot.com LLC | 1 | 2 |
| Movement Mortgage, LLC | 1 | 1 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | under 10 | |
| White | 161 | 31.5% of 127 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 38 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 150 | 34.4% of 119 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 38 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 68 | 29.4% of 51 decided |
| Female | 53 | no rate: base under 50 |
| Joint | 62 | no rate: base under 50 |
| Sex Not Available | 26 | no rate: base under 50 |
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. 1879 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