Applications / Mortgage Analytics / Lenders / Virginia / First Savings Mortgage
McLean, VA · Independent non-bank lender · CFPB · 1,726 loans in 2025
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1,726
loans originated, 2025
2,135
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Savings Mortgage, a McLean mortgage company that has lent around Washington since 1991, makes much bigger loans than similar lenders and ranks among the larger lenders in the capital region.
Its typical loan was $585,000, against $315,000 at similar lenders, independent mortgage companies making between half and twice as many loans; almost none of them made larger loans. Jumbo loans, larger than the conforming limit, were 10.6% of its lending against 1.1% at its peers. That share was 10.2% five years before, so this is long-standing. Its 1,726 loans came to $1.16 billion.
Most loans (86.3%) were conventional. Only 3.9% were insured by the Federal Housing Administration, against 22.8% at similar lenders, while 9.6% were guaranteed by the Department of Veterans Affairs. Few applications were turned down: 0.4% for refinancing against 5.9% at its peers, and 1.1% for purchases against 3.8%.
Low- and moderate-income borrowers took 18.2% of its loans, against 28.5% at similar lenders. Possible reasons are its large loans and its small share of FHA lending. Majority-minority neighborhoods took 33.4%, above the 25.3% at its peers.
In Washington-Arlington-Alexandria it ranked 14 of 757 lenders, in a market led by Rocket Mortgage. It ranked 46 of 337 in Charlottesville. Its loans fell 11% last year while similar lenders grew 6%, and are well below the 8,628 of 2020. The figures do not show why, though its dollar lending held at $1.16 billion as its typical loan grew.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Savings Mortgage took 2,135 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 82.7% · Refinance 17.3%
Conventional 86.3% · VA 9.6% · FHA 3.9% · USDA (RHS or FSA) 0.2% · of 1,726 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 | 765 | 44.3% |
| Maryland | 462 | 26.8% |
| District of Columbia | 451 | 26.1% |
| Florida | 22 | 1.3% |
| Delaware | 12 | 0.7% |
| North Carolina | 10 | 0.6% |
| South Carolina | 4 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Arlington-Alexandria-Reston | 679 |
| Washington | 499 |
| Frederick-Gaithersburg-Bethesda | 291 |
| Baltimore-Columbia-Towson | 99 |
| Richmond | 16 |
| Charlottesville | 12 |
| Virginia Beach-Chesapeake-Norfolk | 12 |
| Harrisonburg | 11 |
| Lexington Park | 6 |
| Charlotte-Concord-Gastonia | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CF8MP6S7MZV277 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3882551 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 77280100005 | 1991–2017 |
Established 13 October 1988. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: First Savings Mortgage's data.
First Savings Mortgage's data
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