States › Virginia › Fluvanna County
Fluvanna County, Virginia
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Fluvanna County, Virginia, saw 1,339 HMDA-reported applications and 764 originations ($178m) in 2024.
That is 74.0 originations per 1,000 households, against 54.4 for Virginia and 48.0 nationally.
The county's denial rate was 24.5%, above the state rate of 22.1%. The median rate spread on originated loans was 0.4 percentage points and 18.8% of originations were 1.5 points or more above the average prime offer rate.
11 lenders reached 25 applications in the county; the most active by originations were Uva Community Credit Union (104), Rocket Mortgage (68) and Atlantic Coast Mortgage, LLC (42).
Originations were up 10% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Uva Community Credit Union | 162 | 104 | $13m | 19.4% | — |
| 2 | Rocket Mortgage | 86 | 68 | $15m | 17.6% | — |
| 3 | Atlantic Coast Mortgage, LLC | 49 | 42 | $10m | 2.3% | — |
| 4 | Atlantic Union Bank | 38 | 26 | $4.7m | 27.0% | — |
| 5 | Truist Bank | 61 | 24 | $3.3m | 52.9% | — |
| 6 | United Wholesale Mortgage | 30 | 24 | $8.1m | 11.1% | — |
| 7 | Prosperity Home Mortgage, LLC | 28 | 19 | $5.3m | — | — |
| 8 | Freedom Mortgage Corporation | 26 | 15 | $4.9m | — | — |
| 9 | Bank of America NA | 26 | 14 | $2.4m | — | — |
| 10 | Discover Bank | 35 | 8 | $530k | — | — |
| 11 | Vanderbilt Mortgage and Finance, Inc | 54 | 5 | $765k | 82.4% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 11. Denial rate is denials over decided applications in this county.
Compared with Virginia and the nation
| Measure | This county | Virginia | United States |
|---|---|---|---|
| Denial rate | 24.5% | 22.1% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 18.8% | 16.5% | 15.6% |
| Average originated loan | $233k | $352k | $329k |
| Originations per 1,000 households | 74.0 | 54.4 | 48.0 |
| Home purchase share of originations | 49.7% | 55.8% | 57.0% |
| FHA-insured share | 16.4% | 11.7% | 13.4% |
| VA-guaranteed share | 9.8% | 16.4% | 7.9% |
Rate spread distribution
Share of 626 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Virginia). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 50% (380)Home improvement 13% (102)Refinancing 11% (86)Cash-out refinancing 14% (104)Other purpose 12% (92)
By type
Conventional 73% (558)FHA 16% (125)VA 10% (75)USDA 1% (6)
Trend by year
ApplicationsOriginations
This countyVirginia
Questions and answers
Which lenders are most active in Fluvanna County, VA?
By 2024 originations: Uva Community Credit Union (104), Rocket Mortgage (68), Atlantic Coast Mortgage, LLC (42), Atlantic Union Bank (26), Truist Bank (24). 11 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Fluvanna County?
24.5% of decided applications were denied in 2024, against 22.1% across Virginia and 24.3% nationally.
How many mortgages were originated in Fluvanna County in 2024?
764 loans totalling $178m, from 1,339 applications; 74.0 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 51065; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.