Virginia · HMDA 2025
Mortgage lenders in Bath County, VA
57 lenders reported 166 home-loan applications in Bath County in 2025. 80 closed as loans ($16.7M), 32 were denied — a 26.7% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 31% of applications, led by Alcova Mortgage LLC. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 166
- Loans originated
- 80
- Purchase / refinance
- 45 / 24
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Bath County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Alcova Mortgage LLC | 23 | 13.9% | — |
| 2 | Truist Bank 63 out of 100, Moderate | 18 | 10.8% | 40.8% |
| 3 | Burke & Herbert Bank & Trust Company 65 out of 100, Moderate | 11 | 6.6% | 15.9% |
| 4 | Rocket Mortgage, LLC | 8 | 4.8% | — |
| 5 | DuPont Community Federally Insured State-Chartered Credit Union | 7 | 4.2% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 6 | 3.6% | — |
| 7 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 5 | 3.0% | 14.1% |
| 8 | Discover Bank | 5 | 3.0% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 5 | 3.0% | — |
| 10 | Broker Solutions, Inc. | 4 | 2.4% | — |
| 11 | Atlantic Union Bank 73 out of 100, Strong | 4 | 2.4% | 23.3% |
| 12 | VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | 1.8% | — |
| 13 | Mortgage Research Center, LLC | 3 | 1.8% | — |
| 14 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 1.8% | — |
| 15 | Atlantic Coast Mortgage, LLC | 3 | 1.8% | — |
| 16 | Integrity Home Mortgage Corporation | 3 | 1.8% | — |
| 17 | FIRST BANCORP, INC. | 3 | 1.8% | — |
| 18 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 1.2% | 32.9% |
| 19 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 1.2% | 22.2% |
| 20 | Loandepot.Com, LLC | 2 | 1.2% | — |
| 21 | Bank of America, National Association 59 out of 100, Moderate | 2 | 1.2% | 44.7% |
| 22 | Pendleton Community Bank, Inc. 61 out of 100, Moderate | 2 | 1.2% | 13.0% |
| 23 | Farm Credit of the Virginias, ACA | 2 | 1.2% | — |
| 24 | PLANET HOME LENDING, LLC | 2 | 1.2% | — |
| 25 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 2 | 1.2% | — |
| 26 | FREEDOM FIRST Federal Credit Union 64 out of 100, Moderate | 2 | 1.2% | 15.2% |
| 27 | LAKEVIEW LOAN SERVICING, LLC | 2 | 1.2% | — |
| 28 | USAA Federal Savings Bank 64 out of 100, Moderate | 2 | 1.2% | 37.2% |
| 29 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 2 | 1.2% | 22.5% |
| 30 | NEWREZ LLC | 1 | 0.6% | — |
| 31 | AmeriSave Mortgage Corporation | 1 | 0.6% | — |
| 32 | CROSSCOUNTRY MORTGAGE, INC. | 1 | 0.6% | — |
| 33 | FIGURE LENDING LLC | 1 | 0.6% | — |
| 34 | DOMINION FINANCIAL SERVICES, LLC | 1 | 0.6% | — |
| 35 | AMERICAN FINANCIAL RESOURCES, INC. | 1 | 0.6% | — |
| 36 | CHURCHILL MORTGAGE CORPORATION | 1 | 0.6% | — |
| 37 | PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | 0.6% | — |
| 38 | C & F Mortgage Corporation | 1 | 0.6% | — |
| 39 | Carter Bank & Trust 76 out of 100, Strong | 1 | 0.6% | 28.0% |
| 40 | NATIONSTAR MORTGAGE LLC | 1 | 0.6% | — |
Top 40 of 57 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