Applications / Mortgage Analytics / Lenders / Virginia / Home Savings & Trust Mortgage
Fairfax, VA · Independent non-bank lender · CFPB · 437 loans in 2025
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437
loans originated, 2025
497
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Home Savings & Trust Mortgage, a Fairfax, Virginia lender to home buyers, grew far faster than similar lenders in 2025 and is spreading south from Washington into the Carolinas and Georgia.
Purchases made up 96.3% of its loans. Its typical loan was $455,000, against $335,000 for similar lenders, independent non-bank lenders making between half and twice as many loans, and larger than at four in five of them. Loans guaranteed by the Department of Veterans Affairs (VA) made up 13.5%, against 5.0%, though down from 18.2% in 2024.
It made 437 loans, up 22%, while similar lenders grew 2% and the whole market 10%. That is faster than at more than three in four similar lenders. It is still well below the 1,674 loans of 2020.
Washington, where it has lent since 2003, is its largest market; it ranks 71st of 757 lenders there. It entered Raleigh and Charlotte in 2021, and its Raleigh share rose to 0.1%. In 2025 it lent for the first time around Fayetteville, North Carolina, Charleston, South Carolina, and Augusta, Georgia.
Some 32.9% of its borrowers had low or moderate incomes, against 23.6% for similar lenders, and 40.7% of its loans were in majority-minority neighborhoods, against 25.2%. Both shares have risen since 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Home Savings & Trust Mortgage took 497 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 96.3% · Refinance 3.7%
Conventional 77.1% · VA 13.5% · FHA 8.5% · USDA (RHS or FSA) 0.9% · of 437 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 | 308 | 70.5% |
| North Carolina | 99 | 22.7% |
| Maryland | 13 | 3.0% |
| District of Columbia | 6 | 1.4% |
| South Carolina | 6 | 1.4% |
| West Virginia | 5 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Arlington-Alexandria-Reston | 287 |
| Raleigh-Cary | 41 |
| Charlotte-Concord-Gastonia | 24 |
| Durham-Chapel Hill | 20 |
| Washington | 12 |
| Richmond | 7 |
| Winchester | 7 |
| Frederick-Gaithersburg-Bethesda | 4 |
| Baltimore-Columbia-Towson | 2 |
| Fayetteville | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZAZI235VM8Q149 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3882618 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 71961000006 | 2003–2017 |
Established 20 September 2002. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Home Savings & Trust Mortgage's data.
Home Savings & Trust Mortgage's data
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Home Savings & Trust 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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