Mortgage lending in Lynchburg city, Virginia
Lenders in Lynchburg city, Virginia reported 2,475 mortgage applications for 2025, according to the CFPB.
2,475 mortgage applications and 1,569 loans originated in 2025; the denial rate was 17.9% of 2,019 applications decided. The median loan was about $195,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Lynchburg, VA MSA.
- 2,475
- Applications
- 1,569
- Loans originated
- 17.9%
- Denial rate
- 362 denied of 2,019 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,475 | 1,569 |
| 2024 | 2,466 | 1,557 |
| 2023 | 2,299 | 1,437 |
| 2022 | 2,658 | 1,698 |
| 2021 | 4,039 | 2,803 |
| 2020 | 3,589 | 2,464 |
| 2019 | 2,432 | 1,674 |
| 2018 | 2,398 | 1,542 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 144 | 195 |
| Fairway Independent Mort Corp | 84 | 108 |
| United Wholesale Mortgage | 67 | 83 |
| ALCOVA Mortgage, LLC | 57 | 77 |
| NVR Mortgage Finance, Inc. | 56 | 88 |
| Truist Bank | 48 | 74 |
| Freedom First Federal Credit Union | 40 | 48 |
| Atlantic Bay Mortgage Group | 40 | 47 |
| Atlantic Union Bank | 39 | 57 |
| Atlantic Coast Mortgage, LLC | 35 | 47 |
| EMM Loans LLC | 32 | 34 |
| T2 Financial LLC | 31 | 38 |
| First Bank and Trust Company | 29 | 32 |
| Beacon Credit Union | 28 | 49 |
| Mortgage Research Center | 25 | 45 |
| SWBC Mortgage Corporation | 25 | 29 |
| Nation One Mortgage Corporatio | 24 | 32 |
| Select Bank | 23 | 26 |
| Navy Federal Credit Union | 19 | 43 |
| Virginia Federal Credit Union | 19 | 41 |
| Lower, LLC | 19 | 28 |
| Bank of America NA | 19 | 44 |
| Wells Fargo Bank NA | 17 | 23 |
| Renasant Bank | 16 | 18 |
| Change Lending | 16 | 26 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 51 | no rate: base under 50 |
| Black or African American | 314 | 28.3% of 251 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,480 | 14.7% of 1,226 decided |
| 2 or more minority races | under 10 | |
| Joint | 56 | no rate: base under 50 |
| Race Not Available | 557 | 20.6% of 452 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 110 | 22.5% of 89 decided |
| Not Hispanic or Latino | 1,764 | 17.1% of 1,441 decided |
| Joint | 37 | no rate: base under 50 |
| Ethnicity Not Available | 564 | 19.9% of 462 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 865 | 17.3% of 689 decided |
| Female | 589 | 20.6% of 476 decided |
| Joint | 675 | 15.4% of 570 decided |
| Sex Not Available | 346 | 20.1% of 284 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. 1210 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