Virginia · HMDA 2025
Mortgage lenders in Amherst County, VA
187 lenders reported 1,381 home-loan applications in Amherst County in 2025. 710 closed as loans ($147.1M), 247 were denied — a 24.9% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 18% of applications, led by Rocket Mortgage, LLC. 7 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,381
- Loans originated
- 710
- Purchase / refinance
- 347 / 227
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Amherst County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 121 | 8.8% | — |
| 2 | Truist Bank 63 out of 100, Moderate | 73 | 5.3% | 40.8% |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 57 | 4.1% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 52 | 3.8% | — |
| 5 | Mortgage Research Center, LLC | 49 | 3.5% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 45 | 3.3% | — |
| 7 | NEWREZ LLC | 37 | 2.7% | — |
| 8 | Alcova Mortgage LLC | 37 | 2.7% | — |
| 9 | Fairway Independent Mortgage Corporation | 32 | 2.3% | — |
| 10 | NATIONSTAR MORTGAGE LLC | 29 | 2.1% | — |
| 11 | FREEDOM MORTGAGE CORPORATION | 29 | 2.1% | — |
| 12 | Virginia Credit Union, Inc. | 28 | 2.0% | — |
| 13 | Atlantic Union Bank 73 out of 100, Strong | 24 | 1.7% | 23.3% |
| 14 | Broker Solutions, Inc. | 21 | 1.5% | — |
| 15 | Beacon Credit Union, Incorporated | 21 | 1.5% | — |
| 16 | Navy Federal Credit Union 66 out of 100, Moderate | 20 | 1.4% | 32.9% |
| 17 | Coastal Community Bank 35 out of 100, Low | 20 | 1.4% | 3.0% |
| 18 | AmeriSave Mortgage Corporation | 19 | 1.4% | — |
| 19 | SPRING EQ, LLC | 18 | 1.3% | — |
| 20 | AMERIHOME MORTGAGE COMPANY, LLC | 18 | 1.3% | — |
| 21 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 17 | 1.2% | 14.1% |
| 22 | Loandepot.Com, LLC | 17 | 1.2% | — |
| 23 | LOWER, LLC | 16 | 1.2% | — |
| 24 | PLANET HOME LENDING, LLC | 15 | 1.1% | — |
| 25 | LAKEVIEW LOAN SERVICING, LLC | 15 | 1.1% | — |
| 26 | FIRST BANCORP, INC. | 15 | 1.1% | — |
| 27 | CROSSCOUNTRY MORTGAGE, INC. | 14 | 1.0% | — |
| 28 | FIGURE LENDING LLC | 14 | 1.0% | — |
| 29 | AMERICAN FINANCIAL RESOURCES, INC. | 14 | 1.0% | — |
| 30 | T2 FINANCIAL LLC | 13 | 0.9% | — |
| 31 | The Farmers Bank of Appomattox | 13 | 0.9% | — |
| 32 | 21st Mortgage Corporation | 11 | 0.8% | — |
| 33 | Atlantic Coast Mortgage, LLC | 11 | 0.8% | — |
| 34 | Integrity Home Mortgage Corporation | 11 | 0.8% | — |
| 35 | MOVEMENT MORTGAGE, LLC | 10 | 0.7% | — |
| 36 | FREEDOM FIRST Federal Credit Union 64 out of 100, Moderate | 10 | 0.7% | 15.2% |
| 37 | NEW DAY FINANCIAL, LLC | 10 | 0.7% | — |
| 38 | Bank of the James | 10 | 0.7% | — |
| 39 | Citizens Bank, National Association 54 out of 100, Below average | 9 | 0.7% | 32.5% |
| 40 | GUARANTEED RATE, INC. | 9 | 0.7% | — |
Top 40 of 187 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