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Mortgage lending in Virginia

Lenders in Virginia reported 341,163 mortgage applications for 2025, according to the CFPB.

341,163 mortgage applications and 203,054 loans originated in 2025. 54,385 of the 268,565 applications decided were denied, 20.3%. From 2025, the CFPB’s Snapshot release.

341,163
Applications
203,054
Loans originated
22.9 per 1,000 residents, over the Census Bureau's 2025 estimate.
20.3%
Denial rate
54,385 denied of 268,565 applications decided.

The largest lenders in Virginia

2 more columns on a wider screen

Lenders in Virginia by loans originated, 2025
RankLenderOriginated
1Rocket Mortgage14,489
2United Wholesale Mortgage10,136
3Navy Federal Credit Union9,684
4Truist Bank6,374
5Mortgage Research Center4,500
6Movement Mortgage, LLC4,339
7Pennymac Loan Services LLC4,338
8Atlantic Bay Mortgage Group4,244
9Freedom Mortgage Corporation3,646
10Virginia Federal Credit Union3,576
11Atlantic Coast Mortgage, LLC3,458
12Atlantic Union Bank3,237
13Crosscountry Mortgage, LLC2,938
14NVR Mortgage Finance, Inc.2,711
15Langley Federal Credit Union2,701
16Bank of America NA2,688
17ALCOVA Mortgage, LLC2,663
18First Heritage Mortgage, LLC2,637
19American Neighborhood Mortgage Acceptance Company2,520
20CMG Mortgage Inc2,325
21loanDepot.com LLC2,215
22Newrez LLC2,175
23Prosperity Home Mortgage, LLC2,141
24TowneBank2,077
25Nationstar Mortgage1,764

Counties in Virginia

1 more column on a wider screen

Counties in Virginia by loans originated, with the median loan, 2025
CountyOriginatedMedian loan
Fairfax County20,777$475,000
Virginia Beach city11,927$275,000
Loudoun County11,501$485,000
Chesterfield County10,860$295,000
Prince William County10,738$395,000
Henrico County8,203$275,000
Chesapeake city7,639$295,000
Norfolk city5,291$275,000
Spotsylvania County4,657$355,000
Stafford County4,608$405,000
Richmond city4,261$275,000
Newport News city3,899$235,000
Hampton city3,801$235,000
Suffolk city3,538$315,000
Arlington County3,201$505,000
Hanover County3,121$285,000
Portsmouth city3,012$235,000
Frederick County2,992$295,000
Alexandria city2,841$455,000
Roanoke County2,547$225,000
Albemarle County2,373$325,000
James City County2,304$275,000
Roanoke city2,275$175,000
Bedford County2,146$235,000
Augusta County2,101$205,000
Fauquier County2,009$385,000
Rockingham County1,868$245,000
York County1,850$285,000
Montgomery County1,576$235,000
Lynchburg city1,569$195,000
Louisa County1,534$295,000
Culpeper County1,504$355,000
Orange County1,425$305,000
Franklin County1,388$225,000
Isle of Wight County1,384$295,000
Shenandoah County1,253$235,000
Caroline County1,245$295,000
Campbell County1,218$215,000
Warren County1,205$285,000
Gloucester County1,185$235,000
New Kent County1,122$305,000
Washington County1,070$175,000
Pittsylvania County946$175,000
Powhatan County908$295,000
Botetourt County896$205,000
Fluvanna County892$255,000
Petersburg city858$185,000
Goochland County855$315,000
King George County853$355,000
Henry County812$135,000
Prince George County779$275,000
Pulaski County776$155,000
Westmoreland County746$265,000
Dinwiddie County732$235,000
Manassas city731$345,000
Staunton city728$195,000
Waynesboro city723$215,000
Danville city711$135,000
Amherst County710$195,000
Mecklenburg County658$205,000
King William County657$275,000
Accomack County656$210,000
Hopewell city624$205,000
Charlottesville city616$305,000
Salem city611$185,000
Carroll County601$165,000
Wythe County590$155,000
Fairfax city585$505,000
Greene County578$295,000
Page County578$225,000
Winchester city542$295,000
Fredericksburg city498$345,000
Harrisonburg city498$225,000
Tazewell County483$125,000
Halifax County481$155,000
Poquoson city457$325,000
Smyth County450$130,000
Rockbridge County445$215,000
Nelson County436$245,000
Appomattox County425$205,000
Colonial Heights city425$225,000
Northumberland County415$245,000
Bristol city392$155,000
Southampton County381$215,000
Amelia County365$245,000
Wise County358$115,000
Middlesex County355$245,000
Prince Edward County348$205,000
Lancaster County340$255,000
Manassas Park city334$395,000
Floyd County328$185,000
Clarke County326$315,000
Madison County324$275,000
Northampton County321$285,000
Nottoway County304$175,000
Buckingham County294$205,000
Essex County292$225,000
Giles County289$175,000
Falls Church city287$555,000
Russell County282$145,000
Grayson County278$135,000
Scott County265$155,000
Lee County264$135,000
Cumberland County261$235,000
Franklin city258$225,000
Patrick County256$160,000
Mathews County255$225,000
Radford city252$195,000
Alleghany County238$145,000
Martinsville city236$125,000
Brunswick County216$200,000
King and Queen County201$215,000
Lunenburg County197$135,000
Williamsburg city188$295,000
Surry County187$235,000
Sussex County170$165,000
Rappahannock County165$355,000
Richmond County163$175,000
Charlotte County159$165,000
Charles City County145$245,000
Dickenson County139$115,000
Craig County131$155,000
Buena Vista city131$155,000
Greensville County113$175,000
Buchanan County110$115,000
Galax city103$155,000
Emporia city99$145,000
Covington city89$115,000
Bland County88$135,000
Bath County80$145,000
Lexington city71$265,000
Norton city33under 50 loans
Highland County26under 50 loans

Virginia elsewhere on the Factbook

  • Reported crime Crime and justice

    Offenses reported to police by type, the trend, and the reporting coverage.

  • Most dangerous cities in Virginia Crime and justice

    What each agency serving 25,000 or more reported, ranked. Agency populations overlap, so these do not add up to the state.

  • Prison population Crime and justice

    People held under the state’s correctional authority, and the imprisonment rate. A different publisher counting a different thing.

  • Arrests by race, sex and age Crime and justice

    Arrests as the FBI’s participating agencies reported them, with what the figures can and cannot support at the top.

  • Hate crime Crime and justice

    Incidents reported to the FBI by bias motivation, as counts — the collection publishes no participation share, so there is no rate to compare states on.

  • Federal obligations Federal spending

    What federal agencies obligated against a place of performance in the state, per resident and by agency.

  • Registered nonprofits Nonprofits

    How many organizations the IRS lists in the state, what they report as revenue, and which kinds of work they do.

  • Payments to doctors Health

    What drug and device companies reported paying doctors with a practice address in the state, and the largest recipients.

  • Immigration courts Immigration and the border

    The EOIR courts sitting in the state, what they completed and still have pending, and how far apart their asylum grant rates are. The courts, not the state’s residents: a detention court hears cases from far outside it.

  • Farm program payments Farm subsidies

    What the Farm Service Agency paid through the state’s county offices, by program and by recipient. The offices that administered the payments, not a count of farms: a recipient addressed elsewhere is counted where they were paid.

  • Paycheck Protection Program loans PPP loans

    The PPP loans SBA guaranteed to businesses operating in the state, by county, with how many carry a forgiveness amount and how many were charged off. Loans, not businesses: a business with two draws is two loans.

  • Public schools Schools

    Pupils, schools and teachers, the largest districts, what districts spend per pupil and where the money comes from, and the colleges that take federal student aid.

  • Banks and credit unions Banks and credit unions

    The FDIC-insured banks headquartered in the state and their offices, and the credit unions based there and their sites, each per resident and against every other state.

  • Low-income housing Low-income housing

    The homes under HUD’s rental assistance programs in the state, by program and county, and its tax-credit housing, each per resident and against every other state.

  • College athletics Sports

    Every college in the state that reported to the Equity in Athletics survey, ranked by its athletics revenue, with its expenses, athletes and athletic aid.

  • Federal civilian workforce Federal salaries

    Federal civilian employees stationed in the state by agency and occupation, with the pay OPM publishes and the share it withholds.

  • The Virginia Factbook entry Across the Factbook

    Every measure the Factbook publishes for this state in one place, each with where it ranks among the others and the record it came from.

The immigration link above is EOIR’s courts, which sit in this state. CBP’s encounters are not by state and will not be: its sectors and field offices are areas of responsibility rather than a geography, and assigning them to states would be a claim the data does not make. Immigration and the border.

More about Virginia →

Sources

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