Applications / Mortgage Analytics / Lenders / Virginia / Loansteady
McLean, VA · Non-bank lender · CFPB · 1,256 loans in 2025
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1,256
loans originated, 2025
1,838
applications, 2025
28
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Loansteady, a non-bank lender from McLean, Virginia, doubled its lending in 2025, only its second year of reporting, almost entirely on home purchases.
Loansteady made 1,256 loans in 2025, up from 615 in its first reported year. That is a rise of 104%, against 10% for similar lenders (non-bank lenders making between half and twice as many loans) and for the market as a whole. No similar lender grew faster. Purchases made up 89.0% of its loans, so most of the growth came from buyers rather than refinancing.
Loans guaranteed by the Department of Veterans Affairs (VA) made up 15.5% of its lending, against 2.9% at the typical similar lender, a higher share than at almost all of them. Another 3.5% were guaranteed by the Department of Agriculture's Rural Housing Service (RHS), a kind of loan the typical similar lender did not make.
Its share rose most in smaller markets. In Slidell-Mandeville-Covington, Louisiana, its share rose from 1.9% to 3.6%, making it sixth of 277 lenders. In Wilmington, North Carolina, it rose from 0.4% to 1.2%. North Carolina is its main state, though it lent in 28 states.
Its typical rate was 6.49%, against 6.62% at similar lenders. It turned down 3.4% of home-purchase applications, against 4.0% at the typical similar lender, and 4.3% of refinance applications, against 6.7%.
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, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Loansteady took 1,838 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 89.0% · Refinance 11.0%
Conventional 63.7% · FHA 17.3% · VA 15.5% · USDA (RHS or FSA) 3.5% · of 1,256 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 |
|---|---|---|
| North Carolina | 334 | 26.6% |
| Louisiana | 256 | 20.4% |
| Mississippi | 126 | 10.0% |
| Virginia | 100 | 8.0% |
| District of Columbia | 91 | 7.2% |
| Georgia | 80 | 6.4% |
| Maryland | 74 | 5.9% |
| Florida | 47 | 3.7% |
| Illinois | 28 | 2.2% |
| Pennsylvania | 15 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wilmington | 195 |
| Slidell-Mandeville-Covington | 142 |
| Washington | 105 |
| Arlington-Alexandria-Reston | 84 |
| Jacksonville | 71 |
| Frederick-Gaithersburg-Bethesda | 37 |
| Hammond | 29 |
| Baton Rouge | 28 |
| New Orleans-Metairie | 27 |
| Atlanta-Sandy Springs-Roswell | 25 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900YPPMV9UM5FUW09 | 2024–2025 |
Established 30 November 2017. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Loansteady's data.
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