State report · HMDA 2025
Virginia mortgages and home buyers, 2025
Incomes, down payments, rates, loan costs, denials and lenders across Virginia's 133 counties, from official HMDA records.
HMDA 2025 data released June 23, 2026
In 2025, lenders reported 86,602 home-purchase mortgages for owner-occupied, single-family homes in Virginia. The median buyer borrowed $385,000 on a home valued at $445,000 and reported a household income of $126,000.
Buyers financed a median 90% of the home's value (roughly 10% down), paid a median 6.625% on 30-year fixed conventional loans and faced median conventional loan costs of $5,610.
Lenders denied 6.9% of completed home-purchase applications.
Purchase loans
86,602
712 lenders active
Buyer income
$126,000
U.S. $116,000
Down payment
10%
U.S. 10%
30-yr fixed rate
6.625%
U.S. 6.625%
Loan costs
$5,610
Conventional · U.S. $5,570
FHA limit 2026
$541K–$1.25M
1-unit home, by county
Key facts
- VA loans were unusually common: 23.0% of purchase mortgages.
- The most common age bracket among borrowers was 25–34 (32.4% of purchase loans).
- 53.5% of purchase mortgages had a single borrower with no co-applicant.
- The most-cited reason for denial was debt-to-income ratio (38.2% of denials with a stated reason).
Conforming limits in Virginia range from $832,750 to $1,249,125 for a one-unit home in 2026. See every Virginia county's 2026 FHA and conforming loan limits.
Virginia counties compared
Click a column to sort. Medians shown with at least 30 loans.
| County | Purchase loans | Median loan | Buyer income | Down payment | 30-yr rate | Loan costs | Denial rate | FHA limit |
|---|---|---|---|---|---|---|---|---|
| Accomack County | 212 | $265,000 | $90,000 | 5.0% | 6.625% | $4,870 | 10.3% | $541,287 |
| Albemarle County | 1,080 | $425,000 | $157,000 | 20.0% | 6.625% | $5,570 | 4.7% | $598,000 |
| Alleghany County | 99 | $185,000 | $70,000 | 5.0% | 6.750% | $3,690 | 6.0% | $541,287 |
| Amelia County | 134 | $345,000 | $117,000 | 5.0% | 6.625% | $4,830 | 4.2% | $707,250 |
| Amherst County | 268 | $245,000 | $87,000 | 5.0% | 6.625% | $5,340 | 7.1% | $541,287 |
| Appomattox County | 158 | $285,000 | $91,000 | 3.6% | 6.750% | $4,540 | 6.9% | $541,287 |
| Arlington County | 1,705 | $615,000 | $218,000 | 20.0% | 6.500% | $6,420 | 5.1% | $1,249,125 |
| Augusta County | 719 | $315,000 | $100,000 | 10.0% | 6.625% | $4,390 | 4.3% | $541,287 |
| Bath County | 27 | — | — | — | — | — | 6.5% | $541,287 |
| Bedford County | 804 | $335,000 | $116,000 | 12.0% | 6.625% | $4,950 | 5.0% | $541,287 |
| Bland County | 22 | — | — | — | — | — | — | $541,287 |
| Botetourt County | 360 | $315,000 | $114,000 | 20.0% | 6.624% | $4,780 | 5.1% | $541,287 |
| Brunswick County | 56 | $275,000 | $104,000 | 5.0% | — | — | 14.7% | $541,287 |
| Buchanan County | 40 | $135,000 | $65,000 | 4.0% | — | — | 18.2% | $541,287 |
| Buckingham County | 97 | $275,000 | $87,000 | 5.0% | 6.625% | $4,850 | 7.3% | $541,287 |
| Campbell County | 540 | $275,000 | $91,000 | 5.0% | 6.625% | $4,810 | 7.2% | $541,287 |
| Caroline County | 569 | $345,000 | $101,000 | 3.5% | 6.625% | $5,460 | 10.1% | $541,287 |
| Carroll County | 179 | $215,000 | $88,000 | 5.0% | 6.875% | $4,690 | 11.3% | $541,287 |
| Charles City County | 56 | $285,000 | $93,000 | 5.0% | — | — | 4.9% | $707,250 |
| Charlotte County | 47 | $235,000 | $91,000 | 10.0% | — | — | 11.1% | $541,287 |
| Chesterfield County | 4,929 | $375,000 | $125,000 | 10.0% | 6.625% | $5,300 | 7.4% | $707,250 |
| Clarke County | 127 | $485,000 | $155,000 | 10.0% | 6.625% | $5,950 | 2.2% | $1,249,125 |
| Craig County | 38 | $285,000 | $98,000 | 5.0% | — | — | 7.1% | $541,287 |
| Culpeper County | 685 | $445,000 | $131,000 | 6.0% | 6.500% | $6,060 | 8.6% | $1,249,125 |
| Cumberland County | 110 | $305,000 | $97,000 | 5.0% | 6.625% | $5,580 | 7.5% | $541,287 |
| Dickenson County | 31 | $135,000 | $61,000 | — | — | — | 27.9% | $541,287 |
| Dinwiddie County | 260 | $295,000 | $90,000 | 3.5% | 6.500% | $5,490 | 7.9% | $707,250 |
| Essex County | 103 | $275,000 | $88,000 | 5.0% | 6.750% | $4,970 | 5.5% | $541,287 |
| Fairfax County | 9,739 | $615,000 | $192,000 | 20.0% | 6.500% | $6,170 | 5.5% | $1,249,125 |
| Fauquier County | 820 | $535,000 | $161,000 | 12.1% | 6.500% | $5,700 | 6.5% | $1,249,125 |
| Floyd County | 99 | $275,000 | $105,000 | 15.5% | 6.625% | $4,250 | 3.7% | $541,287 |
| Fluvanna County | 365 | $315,000 | $102,000 | 5.0% | 6.625% | $5,390 | 5.9% | $598,000 |
| Franklin County | 436 | $305,000 | $103,000 | 10.0% | 6.750% | $4,790 | 6.6% | $541,287 |
| Frederick County | 1,360 | $385,000 | $120,000 | 8.0% | 6.625% | $5,230 | 6.9% | $541,287 |
| Giles County | 124 | $195,000 | $74,000 | 5.0% | 6.875% | $4,330 | 10.0% | $541,287 |
| Gloucester County | 409 | $335,000 | $102,000 | 5.0% | 6.625% | $5,680 | 5.8% | $757,850 |
| Goochland County | 392 | $455,000 | $165,000 | 20.0% | 6.625% | $5,510 | 4.1% | $707,250 |
| Grayson County | 83 | $205,000 | $76,000 | 5.4% | — | $4,200 | 6.5% | $541,287 |
| Greene County | 261 | $375,000 | $113,000 | 9.4% | 6.625% | $5,570 | 8.3% | $598,000 |
| Greensville County | 37 | $205,000 | $68,000 | 3.5% | — | — | 9.5% | $541,287 |
| Halifax County | 193 | $205,000 | $85,000 | 6.8% | 6.875% | $4,120 | 9.1% | $541,287 |
| Hanover County | 1,207 | $395,000 | $138,000 | 15.0% | 6.625% | $5,280 | 4.7% | $707,250 |
| Henrico County | 3,545 | $345,000 | $114,000 | 10.0% | 6.625% | $5,180 | 7.8% | $707,250 |
| Henry County | 281 | $185,000 | $64,000 | 3.5% | 6.625% | $4,610 | 7.6% | $541,287 |
| Highland County | 11 | — | — | — | — | — | — | $541,287 |
| Isle of Wight County | 597 | $375,000 | $125,000 | 5.0% | 6.625% | $6,010 | 9.2% | $757,850 |
| James City County | 990 | $395,000 | $137,000 | 16.0% | 6.625% | $5,520 | 4.3% | $757,850 |
| King and Queen County | 66 | $305,000 | $94,000 | 3.5% | — | $5,330 | 10.8% | $707,250 |
| King George County | 323 | $465,000 | $140,000 | 5.0% | 6.624% | $6,300 | 3.8% | $541,287 |
| King William County | 321 | $335,000 | $103,000 | 5.0% | 6.624% | $5,070 | 7.9% | $707,250 |
| Lancaster County | 136 | $285,000 | $103,000 | 15.0% | 6.500% | $5,020 | 10.3% | $541,287 |
| Lee County | 91 | $165,000 | $72,000 | 4.5% | 6.750% | $3,870 | 14.3% | $541,287 |
| Loudoun County | 5,033 | $625,000 | $195,000 | 20.0% | 6.500% | $6,380 | 6.0% | $1,249,125 |
| Louisa County | 580 | $365,000 | $118,000 | 10.0% | 6.625% | $5,480 | 5.7% | $541,287 |
| Lunenburg County | 66 | $195,000 | $85,000 | 3.5% | — | — | 6.7% | $541,287 |
| Madison County | 118 | $375,000 | $107,000 | 5.0% | 6.750% | $5,500 | 6.9% | $541,287 |
| Mathews County | 87 | $305,000 | $98,000 | 10.0% | 6.812% | $4,640 | 5.1% | $757,850 |
| Mecklenburg County | 183 | $275,000 | $104,000 | 5.9% | 6.750% | $4,310 | 9.2% | $541,287 |
| Middlesex County | 113 | $305,000 | $105,000 | 10.0% | 6.625% | $4,980 | 5.0% | $541,287 |
| Montgomery County | 657 | $335,000 | $125,000 | 15.0% | 6.625% | $4,840 | 4.9% | $541,287 |
| Nelson County | 90 | $325,000 | $128,000 | 17.4% | 6.625% | $5,360 | 5.3% | $598,000 |
| New Kent County | 552 | $385,000 | $125,000 | 10.0% | 6.500% | $4,910 | 6.5% | $707,250 |
| Northampton County | 90 | $335,000 | $126,000 | 20.0% | 6.875% | $5,730 | 9.5% | $541,287 |
| Northumberland County | 111 | $315,000 | $100,000 | 10.0% | 6.500% | $5,750 | 8.6% | $541,287 |
| Nottoway County | 114 | $255,000 | $75,000 | 3.5% | 6.750% | $5,280 | 12.6% | $541,287 |
| Orange County | 666 | $355,000 | $110,000 | 3.8% | 6.500% | $5,150 | 8.6% | $541,287 |
| Page County | 211 | $265,000 | $91,000 | 5.0% | 6.625% | $4,910 | 9.2% | $541,287 |
| Patrick County | 92 | $205,000 | $71,000 | 6.6% | 6.500% | $4,470 | 12.2% | $541,287 |
| Pittsylvania County | 289 | $225,000 | $80,000 | 5.0% | 6.625% | $4,750 | 10.4% | $541,287 |
| Powhatan County | 351 | $415,000 | $140,000 | 20.0% | 6.625% | $5,330 | 5.0% | $707,250 |
| Prince Edward County | 130 | $255,000 | $90,000 | 10.0% | 6.625% | $4,760 | 8.3% | $541,287 |
| Prince George County | 307 | $345,000 | $108,000 | 3.5% | 6.750% | $6,110 | 11.7% | $707,250 |
| Prince William County | 4,670 | $505,000 | $149,000 | 8.8% | 6.500% | $6,020 | 8.3% | $1,249,125 |
| Pulaski County | 300 | $205,000 | $78,000 | 3.5% | 6.625% | $4,370 | 7.4% | $541,287 |
| Rappahannock County | 52 | $505,000 | $188,000 | 8.0% | — | $7,360 | 5.3% | $1,249,125 |
| Richmond County | 50 | $255,000 | $87,000 | 5.0% | — | $4,940 | 3.9% | $541,287 |
| Roanoke County | 1,076 | $295,000 | $108,000 | 10.0% | 6.625% | $4,790 | 5.3% | $541,287 |
| Rockbridge County | 178 | $285,000 | $90,000 | 15.0% | 6.500% | $4,390 | 5.1% | $541,287 |
| Rockingham County | 739 | $305,000 | $97,000 | 10.0% | 6.625% | $4,850 | 10.8% | $541,287 |
| Russell County | 112 | $195,000 | $83,000 | 3.5% | 7.125% | $4,520 | 12.0% | $541,287 |
| Scott County | 94 | $205,000 | $78,000 | 5.0% | 6.875% | $4,490 | 9.3% | $541,287 |
| Shenandoah County | 477 | $305,000 | $94,000 | 5.0% | 6.750% | $5,150 | 7.1% | $541,287 |
| Smyth County | 169 | $175,000 | $65,000 | 3.6% | 6.750% | $4,060 | 15.5% | $541,287 |
| Southampton County | 149 | $285,000 | $94,000 | 3.5% | 6.625% | $5,580 | 5.5% | $541,287 |
| Spotsylvania County | 1,978 | $435,000 | $129,000 | 5.0% | 6.500% | $6,210 | 11.0% | $1,249,125 |
| Stafford County | 1,928 | $515,000 | $148,000 | 5.0% | 6.500% | $5,890 | 8.5% | $1,249,125 |
| Surry County | 60 | $345,000 | $113,000 | 3.0% | — | — | 14.3% | $757,850 |
| Sussex County | 58 | $245,000 | $76,000 | 3.1% | — | — | 11.3% | $707,250 |
| Tazewell County | 221 | $155,000 | $68,000 | 3.5% | 6.625% | $4,130 | 9.6% | $541,287 |
| Warren County | 493 | $365,000 | $115,000 | 5.0% | 6.625% | $5,190 | 5.6% | $1,249,125 |
| Washington County | 362 | $245,000 | $99,000 | 8.0% | 6.750% | $4,610 | 10.2% | $541,287 |
| Westmoreland County | 302 | $295,000 | $89,000 | 4.1% | 6.625% | $5,350 | 6.8% | $541,287 |
| Wise County | 118 | $155,000 | $67,000 | 5.0% | 6.990% | $4,130 | 15.6% | $541,287 |
| Wythe County | 189 | $225,000 | $90,000 | 5.0% | 6.750% | $4,290 | 6.3% | $541,287 |
| York County | 773 | $405,000 | $134,000 | 5.5% | 6.625% | $5,380 | 3.9% | $757,850 |
| Alexandria city | 1,595 | $575,000 | $191,000 | 20.0% | 6.500% | $6,040 | 5.8% | $1,249,125 |
| Bristol city | 156 | $185,000 | $67,000 | 3.5% | 6.625% | $4,420 | 12.4% | $541,287 |
| Buena Vista city | 49 | $185,000 | $65,000 | 5.0% | — | — | 9.3% | $541,287 |
| Charlottesville city | 225 | $405,000 | $164,000 | 20.0% | 6.625% | $5,340 | 4.6% | $598,000 |
| Chesapeake city | 3,257 | $385,000 | $118,000 | 3.5% | 6.625% | $5,720 | 5.3% | $757,850 |
| Colonial Heights city | 195 | $275,000 | $82,000 | 3.5% | 6.625% | $5,100 | 8.7% | $707,250 |
| Covington city | 60 | $125,000 | $54,000 | 3.5% | — | — | 4.3% | $541,287 |
| Danville city | 215 | $195,000 | $67,000 | 3.5% | 6.500% | $4,140 | 9.0% | $541,287 |
| Emporia city | 40 | $195,000 | $80,000 | 3.5% | — | — | 12.8% | $541,287 |
| Fairfax city | 311 | $645,000 | $224,000 | 20.0% | 6.500% | $6,190 | 4.8% | $1,249,125 |
| Falls Church city | 148 | $755,000 | $282,000 | 20.1% | 6.625% | $6,560 | 4.5% | $1,249,125 |
| Franklin city | 153 | $245,000 | $83,000 | 1.8% | — | $4,660 | 21.8% | $541,287 |
| Fredericksburg city | 211 | $425,000 | $135,000 | 5.0% | 6.500% | $5,760 | 5.7% | $1,249,125 |
| Galax city | 40 | $195,000 | $67,000 | 3.5% | — | — | 12.5% | $541,287 |
| Hampton city | 1,582 | $285,000 | $88,000 | 0.0% | 6.625% | $5,030 | 8.0% | $757,850 |
| Harrisonburg city | 203 | $295,000 | $88,000 | 7.5% | 6.625% | $4,720 | 8.3% | $541,287 |
| Hopewell city | 266 | $245,000 | $74,000 | 3.0% | 6.625% | $5,330 | 8.3% | $707,250 |
| Lexington city | 24 | — | — | — | — | — | — | $541,287 |
| Lynchburg city | 753 | $235,000 | $83,000 | 5.0% | 6.624% | $4,780 | 8.4% | $541,287 |
| Manassas city | 346 | $445,000 | $127,000 | 5.0% | 6.500% | $6,050 | 9.5% | $1,249,125 |
| Manassas Park city | 171 | $455,000 | $121,000 | 4.2% | 6.500% | $5,940 | 4.9% | $1,249,125 |
| Martinsville city | 112 | $155,000 | $57,000 | 3.5% | 6.625% | $4,050 | 9.0% | $541,287 |
| Newport News city | 1,633 | $295,000 | $89,000 | 3.0% | 6.625% | $5,070 | 7.0% | $757,850 |
| Norfolk city | 2,529 | $315,000 | $96,000 | 3.0% | 6.625% | $5,690 | 5.9% | $757,850 |
| Norton city | 14 | — | — | — | — | — | — | $541,287 |
| Petersburg city | 335 | $245,000 | $72,000 | 3.5% | 6.500% | $4,790 | 13.0% | $707,250 |
| Poquoson city | 220 | $465,000 | $150,000 | 5.0% | 6.625% | $5,330 | 11.1% | $757,850 |
| Portsmouth city | 1,421 | $285,000 | $84,000 | 0.0% | 6.625% | $5,170 | 9.8% | $757,850 |
| Radford city | 113 | $235,000 | $93,000 | 5.0% | 6.625% | $4,560 | 5.8% | $541,287 |
| Richmond city | 1,910 | $355,000 | $129,000 | 10.2% | 6.625% | $5,180 | 6.6% | $707,250 |
| Roanoke city | 893 | $225,000 | $77,000 | 5.0% | 6.625% | $4,530 | 7.0% | $541,287 |
| Salem city | 236 | $255,000 | $85,000 | 10.2% | 6.625% | $4,570 | 3.5% | $541,287 |
| Staunton city | 291 | $255,000 | $84,000 | 6.6% | 6.625% | $4,530 | 5.2% | $541,287 |
| Suffolk city | 1,610 | $375,000 | $114,000 | 3.5% | 6.625% | $5,880 | 7.5% | $757,850 |
| Virginia Beach city | 4,819 | $365,000 | $118,000 | 5.0% | 6.625% | $5,890 | 4.9% | $757,850 |
| Waynesboro city | 340 | $265,000 | $88,000 | 5.0% | 6.750% | $4,440 | 5.5% | $541,287 |
| Williamsburg city | 83 | $365,000 | $136,000 | 15.0% | 6.625% | $5,450 | 5.7% | $757,850 |
| Winchester city | 265 | $335,000 | $107,000 | 7.3% | 6.625% | $5,670 | 4.3% | $541,287 |
Who bought homes in Virginia
Home-purchase mortgages for owner-occupied, single-family (1–4 unit) site-built homes, first liens, originated in 2025.
Purchase loans
86,602
of 95,370 applications
Buyer income
$126,000
Middle half $85,000–$190,000
Home value
$445,000
Middle half $325,000–$655,000
Loan amount
$385,000
Middle half $275,000–$545,000
Down payment
10%
37.0% put 20%+ down
Single borrower
53.5%
No co-applicant
Values are medians; "middle half" is the 25th to 75th percentile.
Loan type
What the homes were for
All first-lien, closed-end purchase mortgages, including second homes and investors.
Borrower age
Debt-to-income ratio
Monthly debts (including the new payment) as a share of income, as used in underwriting.
What borrowing cost in Virginia
Medians for 2025 home-purchase loans. Total loan costs are section D of the Loan Estimate/Closing Disclosure (lender and third-party loan charges, excluding taxes, prepaids and escrow). FHA and VA costs include the upfront mortgage insurance premium or VA funding fee, so compare like with like.
| Measure | Virginia | U.S. |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.375% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.10 pts | +0.13 pts |
| Total loan costs · conventional | $5,610 | $5,570 |
| Total loan costs · FHA | $11,780 | $11,310 |
| Total loan costs · VA | $8,280 | $6,490 |
| Origination charges (all loan types) | $1,890 | $1,860 |
| Borrowers paying discount points | 51.6% | 51.3% |
| Points paid, when paid (% of loan) | 0.76% | 0.87% |
| Borrowers receiving lender credits | 34.9% | 33.1% |
| Adjustable-rate mortgages | 6.0% | 7.4% |
| Jumbo loans (above conforming limit) | 3.0% | 3.8% |
Medians are shown only when at least 30 loans report the field. Rates are those reported at closing; market rates changed during 2025, which the rate spread (APR minus the average prime offer rate on the lock date) adjusts for.
Approvals and denials
Virginia: 6,598 of 95,370 completed home-purchase applications were denied (6.9%).
Denial rate
| Application | Virginia | U.S. |
|---|---|---|
| Home purchase | 6.9% | 8.5% |
| Conventional | 5.8% | 7.1% |
| FHA | 12.2% | 12.5% |
| VA | 5.8% | 8.0% |
| USDA | 7.8% | 12.5% |
| Refinance | 14.2% | 17.9% |
| Cash-out refinance | 33.0% | 33.6% |
Main reason for purchase denials
First reason the lender reported.
Denial rate = denied ÷ (originated + approved but not accepted + denied). Withdrawn and incomplete applications are excluded. Differences between places reflect who applies, not only lender behavior.
Refinancing in Virginia
Refinances
22,500
Median loan $405,000
Refi rate
6.125%
30-yr fixed, conv.
Refi loan costs
$4,550
Conventional
Cash-out refis
15,804
Median loan $285,000
Cash-out rate
6.875%
30-yr fixed, conv.
Cash-out income
$99,000
Median borrower
Top mortgage lenders in Virginia
| # | Lender | Loans | Share | Denial rate | 30-yr rate* | Spread* | Costs* |
|---|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 9,295 | 7.4% | 9.7% | 6.500% | +0.12 | $5,440 |
| 2 | United Wholesale Mortgage (UWM) | 8,952 | 7.2% | 7.2% | 6.624% | +0.15 | $7,330 |
| 3 | Veterans United Home Loans | 4,375 | 3.5% | 7.1% | 6.750% | +0.21 | $3,040 |
| 4 | Atlantic Bay Mortgage Group, L.L.C. | 3,633 | 2.9% | 1.5% | 6.625% | +0.23 | $5,880 |
| 5 | Freedom Mortgage Corporation | 3,569 | 2.9% | 9.4% | 6.750% | +0.21 | $8,000 |
| 6 | Movement Mortgage, LLC | 3,474 | 2.8% | 3.7% | 6.625% | +0.15 | $5,670 |
| 7 | Navy Federal Credit Union | 3,264 | 2.6% | 7.9% | 6.625% | −0.11 | $3,670 |
| 8 | Atlantic Coast Mortgage, LLC | 2,987 | 2.4% | 1.8% | 6.625% | +0.12 | $5,750 |
| 9 | Pennymac Loan Services, LLC | 2,574 | 2.1% | 12.0% | 6.624% | +0.16 | $6,960 |
| 10 | NVR Mortgage Finance, Inc. | 2,549 | 2.0% | 23.2% | 6.375% | −0.07 | $5,190 |
| 11 | CrossCountry Mortgage, Inc. | 2,549 | 2.0% | 2.1% | 6.750% | +0.28 | $6,870 |
| 12 | Alcova Mortgage LLC | 2,359 | 1.9% | 2.6% | 6.750% | +0.29 | $3,990 |
| 13 | First Heritage Mortgage, LLC | 2,318 | 1.9% | 3.2% | 6.500% | +0.01 | $6,040 |
| 14 | American Neighborhood Mortgage Acceptance Company LLC | 2,166 | 1.7% | 3.5% | 6.750% | +0.37 | $6,910 |
| 15 | CMG Mortgage, Inc. | 1,994 | 1.6% | 2.1% | 6.500% | +0.04 | $6,260 |
| 16 | Truist Bank | 1,981 | 1.6% | 6.0% | 6.375% | −0.11 | $5,470 |
| 17 | Prosperity Home Mortgage, LLC | 1,950 | 1.6% | 2.1% | 6.750% | +0.23 | $5,480 |
| 18 | Newrez LLC | 1,498 | 1.2% | 9.9% | 6.625% | +0.24 | $7,750 |
| 19 | Rate | 1,462 | 1.2% | 4.1% | 6.575% | +0.08 | $5,840 |
| 20 | Fairway Independent Mortgage Corporation | 1,458 | 1.2% | 4.0% | 6.625% | +0.19 | $6,070 |
| 21 | Capital Center, L.L.C. | 1,362 | 1.1% | 5.2% | 6.625% | +0.03 | $0 |
| 22 | C & F Mortgage Corporation | 1,272 | 1.0% | 2.5% | 6.625% | +0.20 | $5,390 |
| 23 | Intercoastal Mortgage, LLC | 1,248 | 1.0% | 2.3% | 6.500% | −0.01 | $6,320 |
| 24 | JPMorgan Chase Bank, N.A. | 1,189 | 0.9% | 8.2% | 6.500% | −0.06 | $4,650 |
| 25 | NFM, Inc. | 1,171 | 0.9% | 1.9% | 6.750% | +0.31 | $7,140 |
Largest lenders in Virginia by 2025 originations. Loans = home-purchase, refinance and cash-out originations (2025); share = share of those loans here; denial rate = home-purchase applications. *Medians for conventional home-purchase loans, shown with at least 20 loans; spread = APR minus the average prime offer rate at rate lock (percentage points); costs = total loan costs (section D).
Metro areas in Virginia
- Arlington-Alexandria-Reston, VA-WV · 31,406 purchases
- Virginia Beach-Chesapeake-Norfolk, VA-NC · 20,823 purchases
- Richmond, VA · 14,884 purchases
- Roanoke, VA · 3,039 purchases
- Kingsport-Bristol, TN-VA · 2,709 purchases
- Lynchburg, VA · 2,523 purchases
- Charlottesville, VA · 2,021 purchases
- Winchester, VA-WV · 1,806 purchases
- Staunton-Stuarts Draft, VA · 1,350 purchases
- Blacksburg-Christiansburg-Radford, VA · 1,293 purchases
- Harrisonburg, VA · 942 purchases
Source: FFIEC/CFPB HMDA 2025 public LAR; FHFA and HUD 2026 loan limits. Methodology