Mortgage lending in Richmond city, Virginia
Lenders in Richmond city, Virginia reported 6,913 mortgage applications for 2025, according to the CFPB.
6,913 mortgage applications and 4,261 loans originated in 2025; the denial rate was 18.7% of 5,489 applications decided. The median loan was about $275,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Richmond, VA HUD Metro FMR Area.
- 6,913
- Applications
- 4,261
- Loans originated
- 18.7%
- Denial rate
- 1,027 denied of 5,489 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 6,913 | 4,261 |
| 2024 | 6,364 | 4,048 |
| 2023 | 5,895 | 3,560 |
| 2022 | 8,534 | 5,345 |
| 2021 | 13,950 | 9,357 |
| 2020 | 12,773 | 8,609 |
| 2019 | 9,148 | 5,815 |
| 2018 | 7,728 | 4,601 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 262 | 339 |
| Virginia Federal Credit Union | 257 | 381 |
| United Wholesale Mortgage | 210 | 287 |
| Capital Center LLC | 126 | 195 |
| Truist Bank | 121 | 262 |
| JPMorgan Chase Bank, NA | 118 | 157 |
| Kiavi Funding, Inc. | 109 | 142 |
| Atlantic Bay Mortgage Group | 107 | 139 |
| TowneBank | 105 | 138 |
| United Bank VA | 98 | 131 |
| C&F Mortgage Corporation | 93 | 112 |
| Atlantic Union Bank | 90 | 123 |
| Navy Federal Credit Union | 84 | 173 |
| Prosperity Home Mortgage, LLC | 84 | 107 |
| First Heritage Mortgage, LLC | 79 | 103 |
| Bank of America NA | 77 | 172 |
| NFM, Inc | 71 | 83 |
| First National Bank of PA | 68 | 76 |
| Fulton Bank, National Association | 67 | 85 |
| Pennymac Loan Services LLC | 66 | 124 |
| Movement Mortgage, LLC | 63 | 103 |
| Crosscountry Mortgage, LLC | 51 | 73 |
| Atlantic Coast Mortgage, LLC | 41 | 49 |
| Fairway Independent Mort Corp | 35 | 43 |
| Wells Fargo Bank NA | 35 | 66 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 24 | no rate: base under 50 |
| Asian | 204 | 15.7% of 159 decided |
| Black or African American | 1,335 | 30.3% of 1,069 decided |
| Native Hawaiian or Other Pacific Islander | 11 | no rate: base under 50 |
| White | 3,458 | 13.4% of 2,825 decided |
| 2 or more minority races | 29 | no rate: base under 50 |
| Joint | 150 | 11.7% of 120 decided |
| Race Not Available | 1,702 | 20.8% of 1,267 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 368 | 24.9% of 301 decided |
| Not Hispanic or Latino | 4,773 | 17.9% of 3,852 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,679 | 20.3% of 1,262 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,242 | 21.5% of 1,802 decided |
| Female | 1,838 | 21.5% of 1,495 decided |
| Joint | 1,682 | 11.2% of 1,345 decided |
| Sex Not Available | 1,151 | 19.7% of 847 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. 451 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