Lender in Virginia · HMDA 2025
Vellum Mortgage, Inc. mortgages in Virginia
Vellum Mortgage, Inc.'s 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Vellum Mortgage, Inc. originated 356 owner-occupied single-family loans in Virginia from 369 completed applications.
Its median conventional purchase loan costs were $6,190 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.625% (Virginia: 6.625%).
Loans in VA
356
of 369 applications
Denial rate
2.7%
Purchase · VA 6.9%
Rate spread
+0.15 pts
Conv. · VA +0.10 pts
Loan amount
$475,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 332 | 322 | 2.7% | 6.625% | +0.15 pts | $6,190 | $475,000 |
| Refinance | 27 | 26 | 3.7% | 6.125% | −0.05 pts | $4,230 | $475,000 |
| Cash-out refinance | 10 | 8 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Vellum Mortgage, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Highland County | 2 | 3 | 18.8% |
| Manassas city | 7 | 13 | 2.7% |
| Manassas Park city | 8 | 6 | 2.5% |
| Prince William County | 24 | 63 | 0.9% |
| Culpeper County | 25 | 9 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology