Virginia · HMDA 2025
Mortgage lenders in Caroline County, VA
214 lenders reported 2,506 home-loan applications in Caroline County in 2025. 1,245 closed as loans ($344.3M), 397 were denied — a 23.1% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 18% of applications, led by PENNYMAC LOAN SERVICES, LLC. 7 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,506
- Loans originated
- 1,245
- Purchase / refinance
- 662 / 377
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Caroline County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | PENNYMAC LOAN SERVICES, LLC | 169 | 6.7% | — |
| 2 | Rocket Mortgage, LLC | 158 | 6.3% | — |
| 3 | NVR Mortgage Finance, Inc. | 134 | 5.3% | — |
| 4 | Navy Federal Credit Union 66 out of 100, Moderate | 112 | 4.5% | 32.9% |
| 5 | Loandepot.Com, LLC | 102 | 4.1% | — |
| 6 | MOVEMENT MORTGAGE, LLC | 98 | 3.9% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 91 | 3.6% | — |
| 8 | Atlantic Union Bank 73 out of 100, Strong | 76 | 3.0% | 23.3% |
| 9 | NEWREZ LLC | 67 | 2.7% | — |
| 10 | VANDERBILT MORTGAGE AND FINANCE, INC. | 65 | 2.6% | — |
| 11 | FREEDOM MORTGAGE CORPORATION | 54 | 2.2% | — |
| 12 | Virginia Credit Union, Inc. | 54 | 2.2% | — |
| 13 | NATIONSTAR MORTGAGE LLC | 53 | 2.1% | — |
| 14 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 50 | 2.0% | 14.1% |
| 15 | AMERIHOME MORTGAGE COMPANY, LLC | 47 | 1.9% | — |
| 16 | Atlantic Coast Mortgage, LLC | 44 | 1.8% | — |
| 17 | Mortgage Research Center, LLC | 36 | 1.4% | — |
| 18 | FIGURE LENDING LLC | 35 | 1.4% | — |
| 19 | HOMEAMERICAN MORTGAGE CORPORATION | 35 | 1.4% | — |
| 20 | Truist Bank 63 out of 100, Moderate | 33 | 1.3% | 40.8% |
| 21 | Fairway Independent Mortgage Corporation | 28 | 1.1% | — |
| 22 | PLANET HOME LENDING, LLC | 28 | 1.1% | — |
| 23 | LAKEVIEW LOAN SERVICING, LLC | 27 | 1.1% | — |
| 24 | Coastal Community Bank 35 out of 100, Low | 27 | 1.1% | 3.0% |
| 25 | TIDEWATER MORTGAGE SERVICES, INC. | 26 | 1.0% | — |
| 26 | VILLAGE CAPITAL & INVESTMENT LLC | 26 | 1.0% | — |
| 27 | Bank of America, National Association 59 out of 100, Moderate | 24 | 1.0% | 44.7% |
| 28 | CMG MORTGAGE, INC. | 21 | 0.8% | — |
| 29 | SUMMIT FUNDING, INC. | 20 | 0.8% | — |
| 30 | CARRINGTON MORTGAGE SERVICES, LLC | 20 | 0.8% | — |
| 31 | AmeriSave Mortgage Corporation | 19 | 0.8% | — |
| 32 | SPRING EQ, LLC | 19 | 0.8% | — |
| 33 | GUARANTEED RATE, INC. | 17 | 0.7% | — |
| 34 | AMERICAN FINANCIAL NETWORK, INC. | 17 | 0.7% | — |
| 35 | NEW DAY FINANCIAL, LLC | 17 | 0.7% | — |
| 36 | Topside Federal Credit Union 63 out of 100, Moderate | 16 | 0.6% | 42.1% |
| 37 | NFM, INC. | 16 | 0.6% | — |
| 38 | AMERICAN FINANCIAL RESOURCES, INC. | 15 | 0.6% | — |
| 39 | PHH Mortgage Corporation | 15 | 0.6% | — |
| 40 | MUTUAL OF OMAHA MORTGAGE, INC. | 14 | 0.6% | — |
Top 40 of 214 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