Applications / Mortgage Analytics / Lenders / Virginia / Archer Mortgage
Virginia Beach, VA · Independent non-bank lender · CFPB · 326 loans in 2025
Archer Mortgage's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
326
loans originated, 2025
419
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Archer Mortgage, a young Virginia Beach lender, makes most of its loans to veterans, and its lending rose 79% in 2025.
Loans guaranteed by the Department of Veterans Affairs (VA) made up 51.2% of its book, against 4.1% at the typical similar lender (independent non-bank lenders making between half and twice as many loans). Loans insured by the Federal Housing Administration (FHA) added 30.1%. Conventional loans, the staple of its peers, were under a fifth. Almost all of its loans, 94.5%, were for buying a home.
Archer first reported in 2023, with 76 loans. It made 182 in 2024 and 326 in 2025. Its 79% rise compares with 2% for similar lenders and 10% for the whole market, faster than almost all of its peers.
In Virginia Beach-Chesapeake-Norfolk it ranked 35 of 577 lenders, and its share rose to 0.6% from 0.4%. In 2025 it entered Tampa-St. Petersburg-Clearwater, Winchester and Staunton-Stuarts Draft, but it remains a regional lender, in four states and 40 counties.
Some 41.5% of its borrowers had low or moderate incomes (LMI), against 21.8% at similar lenders, and 33.3% of its loans went to LMI neighborhoods, against 18.3%. Both are higher than at more than four in five of its peers. Its focus on government-backed loans for home buyers may explain much of this.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Archer Mortgage took 419 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 94.5% · Refinance 5.5%
VA 51.2% · FHA 30.1% · Conventional 18.7% · of 326 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 | 296 | 90.8% |
| Florida | 15 | 4.6% |
| North Carolina | 13 | 4.0% |
| Alabama | 2 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Virginia Beach-Chesapeake-Norfolk | 285 |
| Jacksonville | 12 |
| Arlington-Alexandria-Reston | 3 |
| Richmond | 3 |
| Tampa | 2 |
| Anniston-Oxford | 1 |
| Greenville | 1 |
| Jacksonville | 1 |
| Lynchburg | 1 |
| Mobile | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300P5TUVYUVESV584 | 2023–2025 |
Established 1 June 2014. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Archer Mortgage's data.
Archer Mortgage's data
$215
Archer Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Archer Mortgage's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]