Virginia · HMDA 2025
Mortgage lenders in Bedford County, VA
282 lenders reported 4,037 home-loan applications in Bedford County in 2025. 2,146 closed as loans ($715.2M), 586 were denied — a 20.6% denial rate on decided applications, close to the Virginia rate of 20.2%. The three most active lenders handled 15% of applications, led by Rocket Mortgage, LLC. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 4,037
- Loans originated
- 2,146
- Purchase / refinance
- 1,064 / 651
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Bedford County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 263 | 6.5% | — |
| 2 | Truist Bank 63 out of 100, Moderate | 171 | 4.2% | 40.8% |
| 3 | Virginia Credit Union, Inc. | 163 | 4.0% | — |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 159 | 3.9% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 155 | 3.8% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 135 | 3.3% | — |
| 7 | Atlantic Union Bank 73 out of 100, Strong | 129 | 3.2% | 23.3% |
| 8 | NEWREZ LLC | 124 | 3.1% | — |
| 9 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 99 | 2.5% | — |
| 10 | Alcova Mortgage LLC | 97 | 2.4% | — |
| 11 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 81 | 2.0% | 14.1% |
| 12 | FREEDOM FIRST Federal Credit Union 64 out of 100, Moderate | 76 | 1.9% | 15.2% |
| 13 | Mortgage Research Center, LLC | 73 | 1.8% | — |
| 14 | Fairway Independent Mortgage Corporation | 71 | 1.8% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 68 | 1.7% | — |
| 16 | Beacon Credit Union, Incorporated | 67 | 1.7% | — |
| 17 | FIRST BANCORP, INC. | 66 | 1.6% | — |
| 18 | Navy Federal Credit Union 66 out of 100, Moderate | 64 | 1.6% | 32.9% |
| 19 | AMERIHOME MORTGAGE COMPANY, LLC | 58 | 1.4% | — |
| 20 | NATIONSTAR MORTGAGE LLC | 56 | 1.4% | — |
| 21 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 56 | 1.4% | 22.5% |
| 22 | Loandepot.Com, LLC | 46 | 1.1% | — |
| 23 | PLANET HOME LENDING, LLC | 41 | 1.0% | — |
| 24 | BLUE EAGLE CREDIT UNION 84 out of 100, Strong | 40 | 1.0% | 17.1% |
| 25 | Bank of America, National Association 59 out of 100, Moderate | 38 | 0.9% | 44.7% |
| 26 | SPRING EQ, LLC | 38 | 0.9% | — |
| 27 | Coastal Community Bank 35 out of 100, Low | 38 | 0.9% | 3.0% |
| 28 | AmeriSave Mortgage Corporation | 37 | 0.9% | — |
| 29 | FIGURE LENDING LLC | 37 | 0.9% | — |
| 30 | CNB Bank 65 out of 100, Moderate | 35 | 0.9% | 10.4% |
| 31 | GUARANTEED RATE, INC. | 34 | 0.8% | — |
| 32 | Waterstone Mortgage Corporation | 34 | 0.8% | — |
| 33 | MOVEMENT MORTGAGE, LLC | 33 | 0.8% | — |
| 34 | Broker Solutions, Inc. | 32 | 0.8% | — |
| 35 | CROSSCOUNTRY MORTGAGE, INC. | 32 | 0.8% | — |
| 36 | SWBC MORTGAGE CORPORATION | 32 | 0.8% | — |
| 37 | LAKEVIEW LOAN SERVICING, LLC | 32 | 0.8% | — |
| 38 | UNION HOME MORTGAGE CORP. | 32 | 0.8% | — |
| 39 | Atlantic Coast Mortgage, LLC | 31 | 0.8% | — |
| 40 | Citizens Bank, National Association 54 out of 100, Below average | 30 | 0.7% | 32.5% |
Top 40 of 282 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