Virginia · HMDA 2025
Mortgage lenders in Carroll County, VA
143 lenders reported 1,183 home-loan applications in Carroll County in 2025. 601 closed as loans ($110.0M), 201 were denied — a 24.0% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 26% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,183
- Loans originated
- 601
- Purchase / refinance
- 302 / 174
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Carroll County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 126 | 10.7% | — |
| 2 | SKYLINE NATIONAL BANK 66 out of 100, Moderate | 97 | 8.2% | 5.7% |
| 3 | Rocket Mortgage, LLC | 84 | 7.1% | — |
| 4 | Truist Bank 63 out of 100, Moderate | 52 | 4.4% | 40.8% |
| 5 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 51 | 4.3% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 45 | 3.8% | — |
| 7 | Truliant Federal Credit Union 67 out of 100, Moderate | 38 | 3.2% | 50.3% |
| 8 | Mortgage Research Center, LLC | 31 | 2.6% | — |
| 9 | Alcova Mortgage LLC | 30 | 2.5% | — |
| 10 | STATE EMPLOYEES' | 27 | 2.3% | — |
| 11 | EMM LOANS LLC | 25 | 2.1% | — |
| 12 | First Community Bank 75 out of 100, Strong | 24 | 2.0% | 30.8% |
| 13 | AMERIHOME MORTGAGE COMPANY, LLC | 22 | 1.9% | — |
| 14 | NEWREZ LLC | 19 | 1.6% | — |
| 15 | FIGURE LENDING LLC | 19 | 1.6% | — |
| 16 | UNITED SHORE FINANCIAL SERVICES, LLC | 17 | 1.4% | — |
| 17 | PLANET HOME LENDING, LLC | 16 | 1.4% | — |
| 18 | FREEDOM MORTGAGE CORPORATION | 16 | 1.4% | — |
| 19 | Carter Bank & Trust 76 out of 100, Strong | 15 | 1.3% | 28.0% |
| 20 | TOWNE MORTGAGE COMPANY | 15 | 1.3% | — |
| 21 | Loandepot.Com, LLC | 13 | 1.1% | — |
| 22 | UNION HOME MORTGAGE CORP. | 13 | 1.1% | — |
| 23 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 12 | 1.0% | 22.2% |
| 24 | AmeriSave Mortgage Corporation | 12 | 1.0% | — |
| 25 | Renasant Bank 64 out of 100, Moderate | 12 | 1.0% | 11.6% |
| 26 | Waterstone Mortgage Corporation | 12 | 1.0% | — |
| 27 | Navy Federal Credit Union 66 out of 100, Moderate | 11 | 0.9% | 32.9% |
| 28 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 11 | 0.9% | 14.1% |
| 29 | THE BANK OF MARION 71 out of 100, Strong | 11 | 0.9% | 11.9% |
| 30 | AMERICAN FINANCIAL RESOURCES, INC. | 11 | 0.9% | — |
| 31 | ALLEGACY FEDERAL CREDIT UNION | 11 | 0.9% | — |
| 32 | Broker Solutions, Inc. | 10 | 0.8% | — |
| 33 | Discover Bank | 8 | 0.7% | — |
| 34 | The Federal Savings Bank 51 out of 100, Below average | 8 | 0.7% | 19.1% |
| 35 | Virginia Credit Union, Inc. | 8 | 0.7% | — |
| 36 | 21st Mortgage Corporation | 7 | 0.6% | — |
| 37 | CROSSCOUNTRY MORTGAGE, INC. | 7 | 0.6% | — |
| 38 | NEW DAY FINANCIAL, LLC | 7 | 0.6% | — |
| 39 | NATIONAL BANKSHARES, INC. 70 out of 100, Strong | 7 | 0.6% | 3.1% |
| 40 | SOFI BANK, NATIONAL ASSOCIATION | 6 | 0.5% | — |
Top 40 of 143 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