Mortgage lending in Waynesboro city, Virginia
Lenders in Waynesboro city, Virginia reported 1,092 mortgage applications for 2025, according to the CFPB.
1,092 mortgage applications and 723 loans originated in 2025; the denial rate was 16.0% of 889 applications decided. The median loan was about $215,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Staunton-Stuarts Draft, VA MSA.
- 1,092
- Applications
- 723
- Loans originated
- 16.0%
- Denial rate
- 142 denied of 889 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,092 | 723 |
| 2024 | 999 | 628 |
| 2023 | 976 | 626 |
| 2022 | 1,188 | 787 |
| 2021 | 1,646 | 1,100 |
| 2020 | 1,395 | 951 |
| 2019 | 1,072 | 718 |
| 2018 | 830 | 536 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Dupont Community Credit Union | 129 | 154 |
| Rocket Mortgage | 58 | 68 |
| ALCOVA Mortgage, LLC | 28 | 33 |
| City National Bank of WV | 20 | 26 |
| Lower, LLC | 20 | 21 |
| Mortgage Research Center | 19 | 27 |
| Gray Fox Mortgage, LLC | 18 | 22 |
| Movement Mortgage, LLC | 17 | 24 |
| C&F Mortgage Corporation | 15 | 23 |
| Navy Federal Credit Union | 14 | 25 |
| CMG Mortgage Inc | 14 | 16 |
| Uva Community Credit Union | 14 | 23 |
| Pennymac Loan Services LLC | 14 | 20 |
| Prosperity Home Mortgage, LLC | 13 | 18 |
| First Bank and Trust Company | 13 | 14 |
| United Wholesale Mortgage | 12 | 19 |
| Farmers & Merchants Bank | 12 | 16 |
| Truist Bank | 12 | 18 |
| Atlantic Union Bank | 11 | 17 |
| Atlantic Coast Mortgage, LLC | 10 | 11 |
| First Heritage Mortgage, LLC | 10 | 11 |
| NVR Mortgage Finance, Inc. | 10 | 16 |
| Freedom Mortgage Corporation | 10 | 20 |
| Calcon Mutual Mortgage LLC | 10 | 16 |
| Atlantic Bay Mortgage Group | 10 | 11 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 21 | no rate: base under 50 |
| Black or African American | 69 | 22.4% of 58 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 787 | 14.5% of 657 decided |
| 2 or more minority races | under 10 | |
| Joint | 26 | no rate: base under 50 |
| Race Not Available | 180 | 21.1% of 128 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 79 | 25.4% of 71 decided |
| Not Hispanic or Latino | 806 | 14.2% of 671 decided |
| Joint | 19 | no rate: base under 50 |
| Ethnicity Not Available | 188 | 20.8% of 130 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 363 | 17.8% of 293 decided |
| Female | 292 | 16.7% of 240 decided |
| Joint | 326 | 13.6% of 280 decided |
| Sex Not Available | 111 | 15.8% of 76 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. 956 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