Applications / Mortgage Analytics / Lenders / Virginia / M2B Mortgage
Fredericksburg, VA · Non-bank or government lender · CFPB · 95 loans in 2025
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95
loans originated, 2025
113
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
M2B Mortgage, a Virginia lender that first reported in 2025, made 95 loans, every one a conventional home purchase.
All 95 loans were purchases, all conventional, and all in Virginia, across five metros and 11 counties. That puts it near the middle of similar lenders (non-bank or government lenders making between half and twice as many loans) by count. Its typical loan was $345,000, against $425,000 for peers. Its typical rate, 5.88%, was lower than at nearly nine in ten of them.
Its best showing was in Blacksburg-Christiansburg-Radford, where it ranked 23 of 233 lenders with a 1.2% share. It ranked 45 of 346 in Roanoke. In the far larger Washington-Arlington-Alexandria market it was a minor presence, at 343 of 757.
Only 5.3% of its loans were in majority-minority neighborhoods, against 36.2% at similar lenders. Where it lends is one possible reason: it lends mainly in Roanoke, Blacksburg-Christiansburg-Radford and other smaller Virginia markets, and their mix of neighborhoods may account for much of the gap. Its share in poorer neighborhoods, 27.4%, was higher than its peers' 22.8%.
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, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. M2B Mortgage took 113 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 100.0%
Conventional 100.0% · of 95 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 | 95 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Roanoke | 36 |
| Blacksburg-Christiansburg-Radford | 21 |
| Arlington-Alexandria-Reston | 19 |
| Staunton-Stuarts Draft | 11 |
| Charlottesville | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900WAGGUGSFXUZ903 | 2025–2025 |
Established 18 June 2024. Reported under HMDA in 2025.
Mergers, name changes, data editions and corrections: M2B Mortgage's data.
M2B Mortgage's data
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M2B 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.
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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.
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