Applications / Mortgage Analytics / Lenders / Virginia / Aurora Financial
McLean, VA · Depository institution · FDIC · 87 loans in 2025
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87
loans originated, 2025
104
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Aurora Financial makes big loans thinly spread over 12 states, and its volume has fallen from 1,039 loans in 2020 to 87 in 2025.
Originations fell 33%, from 129 to 87, while similar lenders (depository institutions making between half and twice as many loans) grew 7%. That was the steepest fall among its 10 peers. It has made fewer loans each year since 2020. The fall may reflect a choice to lend less or weaker demand for the large loans it makes.
Its typical loan was $475,000, against $140,000 at similar lenders, higher than all of them. Its loans reached 35 metros, a wide spread for 87 loans, with a very small share in each of its largest markets.
None of its loans was higher-priced (a rate well above the average for similar loans), against 14.5% at similar lenders, and its typical rate, 6.12%, was lower than at all of them. VA loans (guaranteed by the Department of Veterans Affairs) made up 8.0% of originations; the rest were conventional.
Only 5.8% of its loans went to low- and moderate-income (LMI) borrowers, against 24.9% at similar lenders, lower than all of them. Its large typical loan suggests one possible reason: lending on more expensive homes, which fewer lower-income buyers can afford.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Aurora Financial took 104 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.7% · Refinance 33.3%
Conventional 92.0% · VA 8.0% · of 87 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Virginia | 28 | 32.2% |
| Maryland | 12 | 13.8% |
| North Carolina | 12 | 13.8% |
| Florida | 8 | 9.2% |
| Georgia | 7 | 8.0% |
| Pennsylvania | 7 | 8.0% |
| Delaware | 5 | 5.7% |
| Texas | 3 | 3.4% |
| South Carolina | 2 | 2.3% |
| Colorado | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Arlington-Alexandria-Reston | 17 |
| Frederick-Gaithersburg-Bethesda | 6 |
| Atlanta-Sandy Springs-Roswell | 5 |
| Baltimore-Columbia-Towson | 5 |
| Virginia Beach-Chesapeake-Norfolk | 5 |
| Montgomery County-Bucks County-Chester County | 3 |
| Raleigh-Cary | 3 |
| Richmond | 3 |
| Wilmington | 3 |
| Asheville | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300S93XI20FLTGK89 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7200137049 |
Established 28 July 2003. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Aurora Financial's data.
Aurora Financial's data
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