Metro area · VA
Lenders in Charlottesville, VA
19 lenders made 37 multifamily loans in the Charlottesville, VA metro area in 2024 and 2025, $330.6M in all. Carter Bank & Trust made the most, with 6. The typical loan was about $1.2M.
- Evidence
- Multifamily loans placed in the metro area, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 19
- HMDA,
- Multifamily loans, 2024-25
- 37
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $331M
- HMDA,
- Typical loan
- $1.2M
- HMDA,
Cite this
Source: The Lender Report, Lenders in Charlottesville, VA, https://lender.report/lenders-in/charlottesville-va/, data as of December 31, 2025.
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This page lists who has made multifamily loans here. Loan Comps shows who has made a loan like yours, with the loans to prove it.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans |
|---|---|---|---|---|---|---|
| Carter Bank & Trust multifamily record | Bank | Martinsville, VA | 6 | $7.00M | 2 | 4 |
| Pioneer Bank multifamily record | Bank | Stanley, VA | 4 | $3.04M | 2 | 2 |
| Walker & Dunlop, LLC multifamily record | Non-bank | Bethesda, MD | 3 | $119M | 3 | 0 |
| Citizens and Farmers Bank multifamily record | Bank | West Point, VA | 3 | $9.08M | 0 | 3 |
| Virginia Credit Union multifamily record | Credit union | Richmond, VA | 3 | $7.10M | 0 | 3 |
| United Bank multifamily record | Bank | Fairfax, VA | 2 | $47.2M | 1 | 1 |
| First National Bank multifamily record | Bank | Altavista, VA | 2 | $6.70M | 1 | 1 |
| Fulton Bank, National Association multifamily record | Bank | Lancaster, PA | 2 | $1.92M | 0 | 2 |
| Capital Bank, National Association multifamily record | Bank | Rockville, MD | 2 | $1.20M | 2 | 0 |
| PNC Bank, National Association multifamily record | Bank | Wilmington, DE | 1 | $68.0M | 1 | 0 |
| Berkeley Point Capital LLC multifamily record | Non-bank | Boston, MA | 1 | $36.0M | 1 | 0 |
| Berkadia Commercial Mortgage multifamily record | Non-bank | Ambler, PA | 1 | $6.00M | 0 | 1 |
| University of VA Community CU | Credit union | Charlottesville, VA | 1 | $5.00M | 0 | 1 |
| Bellwether Enterprise Real Estate Capital, LLC multifamily record | Non-bank | Cleveland, OH | 1 | $4.80M | 1 | 0 |
| Old National Bank multifamily record | Bank | Evansville, IN | 1 | $4.40M | 0 | 1 |
| County | Loans | Dollars | Lenders |
|---|---|---|---|
| Charlottesville city, VA | 18 | $157M | 10 |
| Albemarle County, VA | 12 | $161M | 9 |
A county is listed for a year only when the public file holds 5 or more multifamily loans there that year.
| Loan size | Loans |
|---|---|
| Under $1M | 16 |
| $1M to $2.5M | 6 |
| $2.5M to $5M | 5 |
| $5M to $10M | 4 |
| $10M or more | 6 |
- Lenders made 37 multifamily loans totaling $330.6M in Charlottesville, VA in 2024 and 2025. HMDA,
- 17 of the loans were made in 2025 and 20 in 2024. HMDA,
- The typical loan in Charlottesville, VA was about $1.2M, with the middle half between $700K and $5M. HMDA,
- 16 of the loans were under $1M, and 10 were $5M or more. HMDA,
- Lenders reported a median rate of 7.09% on 24 loans in Charlottesville, VA, with the middle half between 6.23% and 7.62%. HMDA,
- The median term was 7 years. HMDA,
- The median loan to value was 55%. HMDA,
- 32% of the loans were refinancings and 65% were purchases. HMDA,
- Banks and savings institutions made 26 of the loans, credit unions 4, and non-banks 7. HMDA,
- The five most active lenders made 51.4% of the loans. HMDA,
- The three most active lenders were Carter Bank & Trust with 6, Pioneer Bank with 4, and Walker & Dunlop, LLC with 3. HMDA,
- 10 of the 19 lenders are based in Virginia. The rest are based elsewhere, most often in Maryland, Pennsylvania and California. HMDA,
- The most common property size was 5 to 24 units, with 24 loans. HMDA,
- 2 counties in the metro area have loans on record, and Charlottesville city, VA has the most, with 18. HMDA,
How this list is defined
- Measure
- Multifamily loans made in the Charlottesville, VA metro area
- Period
- 2024 and 2025
- Formula
- Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the metro area, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans there.
- Order
- Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order.
- As of
- 2025
- Source
- HMDA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new loans today.
- What they charge or require beyond the rate and term that HMDA reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count.
HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date.
Lenders that merged or stopped filing are left out.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.