Virginia · HMDA 2025
Mortgage lenders in Albemarle County, VA
290 lenders reported 4,548 home-loan applications in Albemarle County in 2025. 2,373 closed as loans ($1.0B), 521 were denied — a 17.4% denial rate on decided applications, below the Virginia rate of 20.2%. The three most active lenders handled 20% of applications, led by UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC.. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 4,548
- Loans originated
- 2,373
- Purchase / refinance
- 1,224 / 638
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Albemarle County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC. | 522 | 11.5% | — |
| 2 | Truist Bank 63 out of 100, Moderate | 207 | 4.6% | 40.8% |
| 3 | Rocket Mortgage, LLC | 203 | 4.5% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 189 | 4.2% | — |
| 5 | GRAY FOX MORTGAGE, LLC | 150 | 3.3% | — |
| 6 | Bank of America, National Association 59 out of 100, Moderate | 145 | 3.2% | 44.7% |
| 7 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 136 | 3.0% | — |
| 8 | First Heritage Mortgage, LLC | 135 | 3.0% | — |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 129 | 2.8% | — |
| 10 | NEWREZ LLC | 123 | 2.7% | — |
| 11 | Navy Federal Credit Union 66 out of 100, Moderate | 118 | 2.6% | 32.9% |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 107 | 2.4% | 14.1% |
| 13 | Fulton Bank, National Association 65 out of 100, Moderate | 103 | 2.3% | 23.0% |
| 14 | AMERIHOME MORTGAGE COMPANY, LLC | 87 | 1.9% | — |
| 15 | VANDERBILT MORTGAGE AND FINANCE, INC. | 73 | 1.6% | — |
| 16 | CMG MORTGAGE, INC. | 71 | 1.6% | — |
| 17 | Atlantic Union Bank 73 out of 100, Strong | 68 | 1.5% | 23.3% |
| 18 | FREEDOM MORTGAGE CORPORATION | 67 | 1.5% | — |
| 19 | NATIONSTAR MORTGAGE LLC | 62 | 1.4% | — |
| 20 | Atlantic Coast Mortgage, LLC | 56 | 1.2% | — |
| 21 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 51 | 1.1% | 22.5% |
| 22 | Virginia Credit Union, Inc. | 47 | 1.0% | — |
| 23 | Prosperity Home Mortgage, LLC | 46 | 1.0% | — |
| 24 | CAPITAL CENTER, L.L.C. | 46 | 1.0% | — |
| 25 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 39 | 0.9% | 22.2% |
| 26 | Ixonia Bank 67 out of 100, Moderate | 39 | 0.9% | 4.7% |
| 27 | GUILD MORTGAGE COMPANY | 38 | 0.8% | — |
| 28 | FIGURE LENDING LLC | 38 | 0.8% | — |
| 29 | NFM, INC. | 35 | 0.8% | — |
| 30 | Coastal Community Bank 35 out of 100, Low | 32 | 0.7% | 3.0% |
| 31 | Loandepot.Com, LLC | 31 | 0.7% | — |
| 32 | Mortgage Research Center, LLC | 30 | 0.7% | — |
| 33 | FIRST COMMUNITY MORTGAGE, INC. | 29 | 0.6% | — |
| 34 | PHH Mortgage Corporation | 29 | 0.6% | — |
| 35 | CROSSCOUNTRY MORTGAGE, INC. | 28 | 0.6% | — |
| 36 | Carter Bank & Trust 76 out of 100, Strong | 28 | 0.6% | 28.0% |
| 37 | Broker Solutions, Inc. | 27 | 0.6% | — |
| 38 | TOWER Federal Credit Union 83 out of 100, Strong | 26 | 0.6% | 30.4% |
| 39 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 26 | 0.6% | 45.9% |
| 40 | U.S. Bank National Association 55 out of 100, Moderate | 24 | 0.5% | 39.5% |
Top 40 of 290 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Virginia
- Fairfax County 40,597 apps
- Virginia Beach city 23,030 apps
- Prince William County 22,278 apps
- Loudoun County 22,017 apps
- Chesterfield County 20,714 apps
- Henrico County 15,494 apps
- Chesapeake city 14,973 apps
- Norfolk city 10,756 apps
- Spotsylvania County 9,422 apps
- Stafford County 9,411 apps
- Richmond city 7,953 apps
- Newport News city 7,787 apps