Applications / Mortgage Analytics / Lenders / Virginia / Dragas Mortgage Company
Virginia Beach, VA · Non-bank lender · CFPB · 73 loans in 2025
Dragas Mortgage Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
73
loans originated, 2025
84
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Dragas Mortgage Company, a Virginia Beach lender reporting since 1990, makes only home-purchase loans, and two in five are guaranteed by the Department of Veterans Affairs (VA).
VA loans were 42.5% of its 73 loans in 2025. Its similar lenders, non-bank lenders making between half and twice as many loans, typically made none. Loans insured by the Federal Housing Administration (FHA) added 23.3%, against 14.0% at the typical peer, leaving conventional loans at only 34.2%.
Every loan was for a home purchase, and all were in 2 counties of one metro, where it ranks 92 of 577 lenders. Such a narrow footprint makes its neighborhood figures swing with where its buyers purchase. Majority-minority neighborhoods took 87.7% of its loans in 2025, against 68.8% in 2024 and 37.9% five years before.
Its typical rate was 6.25%, against 6.62% at similar lenders, lower than at about four in five of them. None of its loans was higher-priced (a rate well above the average for similar loans), against 2.5% at the typical peer.
Its loans fell 33% in 2025, to 73, while those of similar lenders fell 14%. It made 256 in 2020. A lender with one product in one metro may rise and fall with the purchases in that market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Dragas Mortgage Company took 84 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 100.0%
VA 42.5% · Conventional 34.2% · FHA 23.3% · of 73 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 | 73 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Virginia Beach-Chesapeake-Norfolk | 73 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001IWK74A5N1RE93 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3882467 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 75460909991 | 1990–2017 |
| Respondent ID (the HMDA filer code before 2018) | 7540835790 | 2016–2016 |
Established 28 February 1968. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Dragas Mortgage Company's data.
Dragas Mortgage Company's data
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Dragas Mortgage Company 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.
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