States › Virginia › Goochland County
Goochland 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.
Goochland County, Virginia, saw 1,214 HMDA-reported applications and 739 originations ($311m) in 2024.
That is 71.5 originations per 1,000 households, against 54.4 for Virginia and 48.0 nationally.
The county's denial rate was 20.7%, close to the state rate of 22.1%. The median rate spread on originated loans was 0.3 percentage points and 13.7% of originations were 1.5 points or more above the average prime offer rate.
14 lenders reached 25 applications in the county; the most active by originations were Truist Bank (59), Rocket Mortgage (56) and Virginia Federal Credit Union (52).
Originations were up 15% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Truist Bank | 105 | 59 | $25m | 37.8% | — |
| 2 | Rocket Mortgage | 72 | 56 | $16m | 16.2% | — |
| 3 | Virginia Federal Credit Union | 72 | 52 | $11m | 18.5% | — |
| 4 | United Bank | 49 | 33 | $9.8m | 20.9% | — |
| 5 | TowneBank | 27 | 22 | $9.6m | — | — |
| 6 | Navy Federal Credit Union | 28 | 20 | $6.1m | — | — |
| 7 | Towne First Mortgage, LLC | 26 | 20 | $9.5m | — | — |
| 8 | C&F Mortgage Corp | 28 | 18 | $8.5m | — | — |
| 9 | Prosperity Home Mortgage, LLC | 25 | 17 | $10.0m | — | — |
| 10 | Capital Center LLC | 25 | 17 | $7.1m | — | — |
| 11 | United Wholesale Mortgage | 27 | 16 | $6.5m | — | — |
| 12 | Atlantic Union Bank | 25 | 12 | $5.2m | — | — |
| 13 | Newrez LLC | 29 | 10 | $4.6m | — | — |
| 14 | Vanderbilt Mortgage and Finance, Inc | 36 | 2 | $250k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 14. Denial rate is denials over decided applications in this county.
Compared with Virginia and the nation
| Measure | This county | Virginia | United States |
|---|---|---|---|
| Denial rate | 20.7% | 22.1% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 13.7% | 16.5% | 15.6% |
| Average originated loan | $421k | $352k | $329k |
| Originations per 1,000 households | 71.5 | 54.4 | 48.0 |
| Home purchase share of originations | 52.4% | 55.8% | 57.0% |
| FHA-insured share | 9.3% | 11.7% | 13.4% |
| VA-guaranteed share | 6.6% | 16.4% | 7.9% |
Rate spread distribution
Share of 693 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 52% (387)Home improvement 12% (89)Refinancing 11% (78)Cash-out refinancing 14% (107)Other purpose 11% (78)
By type
Conventional 84% (620)FHA 9% (69)VA 7% (49)USDA 0% (1)
Trend by year
ApplicationsOriginations
This countyVirginia
Questions and answers
Which lenders are most active in Goochland County, VA?
By 2024 originations: Truist Bank (59), Rocket Mortgage (56), Virginia Federal Credit Union (52), United Bank (33), TowneBank (22). 14 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Goochland County?
20.7% of decided applications were denied in 2024, against 22.1% across Virginia and 24.3% nationally.
How many mortgages were originated in Goochland County in 2024?
739 loans totalling $311m, from 1,214 applications; 71.5 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 51075; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.