HMDA 2025
Mortgage lenders in Virginia
Lenders reported 394,303 home-loan applications for properties in Virginia in 2025; 202,470 became loans and the denial rate on decided applications was 20.2%. The busiest county was Fairfax County with 40,597 applications.
Most active lenders across Virginia's counties
- Rocket Mortgage, LLC 19,575 applications
- PENNYMAC LOAN SERVICES, LLC 19,481 applications
- Navy Federal Credit Union 19,431 applications
- UNITED SHORE FINANCIAL SERVICES, LLC 14,051 applications
- Truist Bank 13,962 applications
- NEWREZ LLC 12,129 applications
- FREEDOM MORTGAGE CORPORATION 10,499 applications
- JPMorgan Chase Bank, National Association 9,017 applications
- Mortgage Research Center, LLC 8,838 applications
- Bank of America, National Association 8,000 applications
- MOVEMENT MORTGAGE, LLC 6,036 applications
- AMERIHOME MORTGAGE COMPANY, LLC 5,902 applications
- VANDERBILT MORTGAGE AND FINANCE, INC. 5,432 applications
- NATIONSTAR MORTGAGE LLC 5,053 applications
- Virginia Credit Union, Inc. 5,011 applications
Counties
| County | Applications | Lenders | Denial rate | Purchase / refi loans |
|---|---|---|---|---|
| Accomack County | 1,383 | 175 | 27.3% | 369 / 157 |
| Albemarle County | 4,548 | 290 | 17.4% | 1,224 / 638 |
| Alexandria city | 5,372 | 316 | 15.2% | 1,789 / 616 |
| Alleghany County | 494 | 99 | 22.1% | 120 / 81 |
| Amelia County | 705 | 129 | 19.0% | 185 / 104 |
| Amherst County | 1,381 | 187 | 24.9% | 347 / 227 |
| Appomattox County | 795 | 134 | 21.5% | 225 / 123 |
| Arlington County | 5,886 | 332 | 14.0% | 1,915 / 791 |
| Augusta County | 3,631 | 224 | 17.9% | 897 / 724 |
| Bath County | 166 | 57 | 26.7% | 45 / 24 |
| Bedford County | 4,037 | 282 | 20.6% | 1,064 / 651 |
| Bland County | 193 | 56 | 27.9% | 46 / 24 |
| Botetourt County | 1,586 | 177 | 17.8% | 416 / 276 |
| Bristol city | 741 | 130 | 25.2% | 207 / 118 |
| Brunswick County | 485 | 103 | 30.1% | 115 / 74 |
| Buchanan County | 303 | 70 | 41.7% | 71 / 20 |
| Buckingham County | 652 | 123 | 30.7% | 155 / 101 |
| Buena Vista city | 233 | 62 | 23.7% | 59 / 44 |
| Campbell County | 2,255 | 200 | 19.1% | 736 / 329 |
| Caroline County | 2,506 | 214 | 23.1% | 662 / 377 |
| Carroll County | 1,183 | 143 | 24.0% | 302 / 174 |
| Charles City County | 309 | 86 | 25.2% | 72 / 54 |
| Charlotte County | 369 | 92 | 32.4% | 88 / 51 |
| Charlottesville city | 1,164 | 180 | 18.2% | 312 / 164 |
| Chesapeake city | 14,973 | 334 | 18.8% | 3,639 / 2,463 |
| Chesterfield County | 20,714 | 441 | 18.5% | 5,631 / 3,147 |
| Clarke County | 624 | 132 | 20.2% | 148 / 114 |
| Colonial Heights city | 830 | 152 | 20.6% | 248 / 121 |
| Covington city | 200 | 54 | 21.4% | 67 / 19 |
| Craig County | 208 | 65 | 18.7% | 57 / 60 |
| Culpeper County | 2,972 | 250 | 22.3% | 749 / 493 |
| Cumberland County | 526 | 109 | 21.8% | 154 / 69 |
| Danville city | 1,409 | 172 | 24.3% | 354 / 228 |
| Dickenson County | 329 | 62 | 32.3% | 73 / 43 |
| Dinwiddie County | 1,516 | 175 | 23.2% | 337 / 284 |
| Emporia city | 187 | 74 | 17.8% | 58 / 30 |
| Essex County | 571 | 115 | 24.9% | 145 / 85 |
| Fairfax city | 1,094 | 176 | 15.4% | 340 / 141 |
| Fairfax County | 40,597 | 541 | 19.2% | 10,740 / 5,865 |
| Falls Church city | 491 | 113 | 10.4% | 165 / 63 |
| Fauquier County | 3,937 | 275 | 20.1% | 913 / 682 |
| Floyd County | 595 | 109 | 21.9% | 147 / 82 |
| Fluvanna County | 1,723 | 182 | 20.2% | 429 / 256 |
| Franklin city | 552 | 104 | 28.2% | 183 / 56 |
| Franklin County | 2,536 | 228 | 20.6% | 720 / 378 |
| Frederick County | 5,646 | 307 | 18.8% | 1,638 / 800 |
| Fredericksburg city | 945 | 166 | 18.4% | 267 / 143 |
| Galax city | 233 | 59 | 32.3% | 60 / 27 |
| Giles County | 572 | 85 | 23.2% | 168 / 81 |
| Gloucester County | 2,273 | 189 | 19.7% | 505 / 357 |
| Goochland County | 1,573 | 196 | 16.7% | 432 / 232 |
| Grayson County | 497 | 93 | 20.2% | 126 / 89 |
| Greene County | 1,147 | 164 | 19.6% | 307 / 171 |
| Greensville County | 277 | 85 | 30.4% | 53 / 47 |
| Halifax County | 998 | 141 | 27.6% | 270 / 140 |
| Hampton city | 7,582 | 289 | 20.9% | 1,897 / 1,232 |
| Hanover County | 5,643 | 290 | 16.0% | 1,341 / 999 |
| Harrisonburg city | 905 | 152 | 19.5% | 289 / 126 |
| Henrico County | 15,494 | 413 | 19.1% | 4,231 / 2,390 |
| Henry County | 1,787 | 173 | 29.9% | 376 / 240 |
| Highland County | 53 | 26 | 25.6% | 15 / 7 |
| Hopewell city | 1,231 | 179 | 21.5% | 346 / 203 |
| Isle of Wight County | 2,709 | 196 | 18.8% | 679 / 420 |
| James City County | 4,313 | 258 | 17.4% | 1,125 / 640 |
| King and Queen County | 419 | 96 | 30.2% | 97 / 61 |
| King George County | 1,684 | 182 | 20.7% | 355 / 308 |
| King William County | 1,253 | 147 | 17.3% | 353 / 173 |
| Lancaster County | 689 | 148 | 23.2% | 198 / 94 |
| Lee County | 618 | 90 | 35.3% | 164 / 69 |
| Lexington city | 119 | 57 | 12.2% | 35 / 25 |
| Loudoun County | 22,017 | 468 | 18.5% | 5,508 / 3,564 |
| Louisa County | 3,063 | 267 | 22.1% | 775 / 512 |
| Lunenburg County | 416 | 102 | 26.8% | 99 / 65 |
| Lynchburg city | 2,867 | 246 | 17.9% | 1,007 / 364 |
| Madison County | 670 | 144 | 25.1% | 150 / 97 |
| Manassas city | 1,556 | 196 | 26.0% | 393 / 220 |
| Manassas Park city | 674 | 140 | 19.9% | 188 / 98 |
| Martinsville city | 532 | 120 | 30.6% | 141 / 59 |
| Mathews County | 526 | 114 | 24.2% | 127 / 66 |
| Mecklenburg County | 1,293 | 179 | 23.4% | 337 / 239 |
| Middlesex County | 704 | 133 | 23.4% | 186 / 116 |
| Montgomery County | 2,878 | 234 | 17.4% | 883 / 391 |
| Nelson County | 833 | 176 | 23.5% | 226 / 137 |
| New Kent County | 2,077 | 201 | 15.1% | 617 / 307 |
| Newport News city | 7,787 | 291 | 20.7% | 1,943 / 1,215 |
| Norfolk city | 10,756 | 321 | 20.0% | 3,016 / 1,552 |
| Northampton County | 664 | 141 | 21.6% | 175 / 85 |
| Northumberland County | 904 | 164 | 24.2% | 201 / 140 |
| Norton city | 88 | 34 | 23.6% | 19 / 8 |
| Nottoway County | 626 | 117 | 24.5% | 154 / 96 |
| Orange County | 2,852 | 237 | 20.2% | 784 / 392 |
| Page County | 1,120 | 180 | 21.2% | 321 / 188 |
| Patrick County | 583 | 124 | 32.4% | 133 / 68 |
| Petersburg city | 1,824 | 204 | 26.3% | 496 / 279 |
| Pittsylvania County | 2,004 | 190 | 28.9% | 421 / 349 |
| Poquoson city | 882 | 119 | 17.4% | 241 / 118 |
| Portsmouth city | 6,290 | 272 | 21.9% | 1,750 / 898 |
| Powhatan County | 1,657 | 187 | 15.0% | 385 / 313 |
| Prince Edward County | 791 | 129 | 29.4% | 189 / 113 |
| Prince George County | 1,739 | 171 | 29.5% | 379 / 273 |
| Prince William County | 22,278 | 459 | 22.2% | 5,089 / 3,385 |
| Pulaski County | 1,500 | 134 | 22.0% | 404 / 220 |
| Radford city | 425 | 92 | 16.0% | 140 / 67 |
| Rappahannock County | 317 | 101 | 20.4% | 68 / 55 |
| Richmond city | 7,953 | 370 | 18.7% | 2,383 / 1,155 |
| Richmond County | 374 | 101 | 28.9% | 84 / 35 |
| Roanoke city | 4,153 | 257 | 20.8% | 1,219 / 707 |
| Roanoke County | 4,442 | 264 | 17.6% | 1,258 / 773 |
| Rockbridge County | 850 | 138 | 23.1% | 220 / 140 |
| Rockingham County | 3,450 | 225 | 18.2% | 966 / 563 |
| Russell County | 608 | 86 | 29.9% | 170 / 69 |
| Salem city | 1,025 | 144 | 14.8% | 287 / 185 |
| Scott County | 598 | 102 | 32.2% | 138 / 72 |
| Shenandoah County | 2,402 | 211 | 20.3% | 630 / 390 |
| Smyth County | 882 | 116 | 28.2% | 237 / 125 |
| Southampton County | 766 | 126 | 24.2% | 173 / 130 |
| Spotsylvania County | 9,422 | 348 | 22.1% | 2,270 / 1,469 |
| Stafford County | 9,411 | 367 | 22.4% | 2,090 / 1,618 |
| Staunton city | 1,253 | 157 | 17.5% | 369 / 224 |
| Suffolk city | 7,194 | 269 | 21.3% | 1,798 / 1,167 |
| Surry County | 377 | 95 | 26.5% | 84 / 69 |
| Sussex County | 413 | 110 | 32.8% | 91 / 52 |
| Tazewell County | 1,011 | 117 | 25.1% | 291 / 120 |
| Virginia Beach city | 23,030 | 438 | 18.8% | 5,715 / 3,551 |
| Warren County | 2,352 | 220 | 19.7% | 567 / 404 |
| Washington County | 2,008 | 171 | 24.2% | 539 / 305 |
| Waynesboro city | 1,272 | 164 | 16.0% | 411 / 198 |
| Westmoreland County | 1,512 | 194 | 22.6% | 401 / 223 |
| Williamsburg city | 392 | 96 | 25.1% | 109 / 45 |
| Winchester city | 1,010 | 182 | 14.8% | 318 / 142 |
| Wise County | 818 | 103 | 35.2% | 202 / 88 |
| Wythe County | 1,151 | 125 | 26.5% | 278 / 171 |
| York County | 3,360 | 231 | 15.9% | 879 / 514 |