Independent research · Virginia
Virginia Mortgage Licensing & Lending Intelligence
Virginia SCC Bureau of Financial Institutions licenses mortgage brokers, mortgage lenders, and mortgage lender-and-brokers as separate credentials. The 2025 annual report is dated official evidence as of 2025-12-31, not current September 2026 status. NMLS Consumer Access is the current verification path. This is not a ranking, recommendation, or Trust Score.
No Fairfax, Arlington, Richmond, or Virginia Beach lender pages are published from this statewide page. Broker != lender. Company != office. Company != MLO.
Snapshot metrics
713
SCC mortgage brokers
Companies as of 2025-12-31. Not MLOs and not current 2026 status.
180
SCC mortgage lenders
As of 2025-12-31. Not the same as brokers or lender-brokers.
364
SCC lender-and-brokers
As of 2025-12-31. Do not add these three as “Virginia lenders.”
340,304
HMDA 2025 applications
Property location in Virginia. Not a lender count.
Who regulates mortgage companies in Virginia?
This is dated official licensing evidence as of 2025-12-31. It is not current September 2026 license status. NMLS Consumer Access is the current verification path. Broker != lender != lender-and-broker. Company != office. Company != MLO. Do not name-match missing NMLS IDs. Do not mint canonical organizations from this roster.
Identity is VA-SCC-BFI:{virginiaLicenseNumber} with exact NMLS:{nmlsId} when SCC prints both numbers. The parsed list has 1,257 dated company rows, 1,257 exact VA-license → NMLS crosswalks, 1,257 distinct MC numbers, and 1,257 distinct NMLS IDs. Duplicate MC numbers: 0. Duplicate NMLS IDs: 0. Missing NMLS IDs: 0.
The parsed list and the SCC narrative agree on 713 brokers and on 1,257 combined company rows. Lender vs lender-and-broker classification differs by two rows. Categories stay separate. 1,257 is dated list rows, not unique companies as a consumer headline and not current 2026 licenses.
How can I verify this lender?
Current 2026 license status is not manufactured from the 2025 annual report. Search-only is not zero. Missing is not zero. NMLS verification is not a claimed profile.
Live 2026 licensed-company denominator: UNKNOWN / SOURCE_NOT_ACQUIRED. NMLS verification is not a claimed profile. Search-only is not zero.
Broker vs lender vs lender-broker
These are regulatory license categories, not quality grades and not loan-product specialties. Consumer-facing umbrella “Virginia mortgage companies” is only a research label.
713
Brokers
839 offices in the SCC narrative.
180
Lenders
501 offices in the SCC narrative.
364
Lender-and-brokers
2,709 offices in the SCC narrative.
SCC office aggregates are kept. Parsed additional-location lines are not substituted for the official office census. Office != company.
SCC also reported 24,222 mortgage loan originators as of 2025-12-31. That is person grain. MLO != lender company. No Virginia MLO public directory is published.
2025 status-change observations
These are 2025 aggregates, not current license status, not complaint counts, not violation counts, and not unique bad actors.
| License type | Approvals | Withdrawn / abandoned | Denials | Surrendered / expired | Revocations |
|---|---|---|---|---|---|
| Mortgage Broker | 99 | 49 | 0 | 99 | 2 |
| Mortgage Lender | 30 | 24 | 0 | 36 | 0 |
| Mortgage Branch | 595 | 9 | 0 | 665 | 0 |
| Mortgage Loan Originator | 5,250 | 556 | 0 | 3,457 | 0 |
No clean bounded named mortgage-license enforcement table was acquired. 2025 status-change aggregates are not a case census. Revocation != unique bad actor. Name-only adverse attachment is UNSAFE. SCC corporate-entity/officer dump is SHARED_NETWORK_BACKLOG.
How active is mortgage lending in Virginia?
HMDA is a mortgage-application filing extract for properties located in Virginia. It is not a Virginia SCC mortgage-company roster, not an MLO count, and not headquarters geography. An HMDA reporter is not a Virginia-licensed mortgage company. Application != lender. Origination != lender. County/city grain is not a local SEO route.
340,304
Applications
HMDA 2025, properties in Virginia.
202,417
Originations
53,970
Denials
15.86%
Denial rate
Denials ÷ applications in this extract. Not quality and not a discrimination finding.
Trace this number
- Source
- Committed HMDA Virginia partition data/hmda/by-state/VA/county_market_summary.csv. Properties located in Virginia, including independent cities. Not a second national download.
- Source date
- HMDA 2025
- Denominator
- 340,304 applications
- Calculation
- denials / applications * 100, rounded to 2 decimals
- Reporting grain
- State overlay from 133 county and independent-city rows
- Coverage
- ACQUIRED_CURRENT_SNAPSHOT
- Caveat
- HMDA is a mortgage-application filing extract for properties located in Virginia. It is not a Virginia SCC mortgage-company roster, not an MLO count, and not headquarters geography. An HMDA reporter is not a Virginia-licensed mortgage company. Application != lender. Origination != lender. County/city grain is not a local SEO route.
Loan purpose (applications)
Loan type (applications)
| County or independent city | Applications | Originations | Denials | Denial rate |
|---|---|---|---|---|
| Accomack | 1,231 | 655 | 263 | 21.36% |
| Albemarle | 3,832 | 2,373 | 521 | 13.60% |
| Alexandria city | 4,531 | 2,841 | 536 | 11.83% |
| Alleghany | 411 | 238 | 73 | 17.76% |
| Amelia | 614 | 365 | 90 | 14.66% |
| Amherst | 1,220 | 710 | 247 | 20.25% |
| Appomattox | 693 | 425 | 122 | 17.60% |
| Arlington | 4,881 | 3,201 | 540 | 11.06% |
| Augusta | 3,241 | 2,101 | 486 | 15.00% |
| Bath | 152 | 80 | 32 | 21.05% |
| Bedford | 3,558 | 2,146 | 586 | 16.47% |
| Bland | 181 | 88 | 38 | 20.99% |
Virginia mortgage complaints — CFPB observations
Complaint is not a violation. Raw complaint count is not a quality ranking and is not exposure-normalized. CFPB complaint != SCC enforcement. No company complaint rate is published.
14,563
CFPB Virginia mortgage complaint rows
Complaint != violation. Not a company ranking.
What assistance programs are available?
Virginia Housing programs are consumer assistance products, not SCC licenses. A participating Virginia Housing lender is not the set of all Virginia mortgage licensees. Program availability != licensing. Confirm current product status on official pages.
What this page does not mean
- It does not say Virginia has one “lenders” count such as 1,257 current lenders.
- Dated SCC rows are not current 2026 licenses. NMLS verification is not a claimed profile.
- 24,222 MLOs are people, not companies.
- HMDA applications are not lenders. CFPB complaints are not violations.
- Virginia Housing programs are not licenses. Search-only is not zero. No Trust Score.