Virginia · HMDA 2025
Mortgage lenders in Charles City County, VA
86 lenders reported 309 home-loan applications in Charles City County in 2025. 145 closed as loans ($33.5M), 52 were denied — a 25.2% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 18% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 309
- Loans originated
- 145
- Purchase / refinance
- 72 / 54
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Charles City County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 24 | 7.8% | — |
| 2 | Rocket Mortgage, LLC | 19 | 6.1% | — |
| 3 | MOVEMENT MORTGAGE, LLC | 13 | 4.2% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 13 | 4.2% | — |
| 5 | Truist Bank 63 out of 100, Moderate | 12 | 3.9% | 40.8% |
| 6 | Citizens and Farmers Bank 75 out of 100, Strong | 12 | 3.9% | 27.4% |
| 7 | PENNYMAC LOAN SERVICES, LLC | 11 | 3.6% | — |
| 8 | Virginia Credit Union, Inc. | 11 | 3.6% | — |
| 9 | FREEDOM MORTGAGE CORPORATION | 9 | 2.9% | — |
| 10 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 9 | 2.9% | — |
| 11 | Mortgage Research Center, LLC | 8 | 2.6% | — |
| 12 | Bank of America, National Association 59 out of 100, Moderate | 8 | 2.6% | 44.7% |
| 13 | NEWREZ LLC | 7 | 2.3% | — |
| 14 | C & F Mortgage Corporation | 7 | 2.3% | — |
| 15 | NATIONSTAR MORTGAGE LLC | 7 | 2.3% | — |
| 16 | United Bank 74 out of 100, Strong | 7 | 2.3% | 20.3% |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 1.9% | 14.1% |
| 18 | CAPITAL CENTER, L.L.C. | 6 | 1.9% | — |
| 19 | Fairway Independent Mortgage Corporation | 5 | 1.6% | — |
| 20 | AMERIHOME MORTGAGE COMPANY, LLC | 5 | 1.6% | — |
| 21 | LAKEVIEW LOAN SERVICING, LLC | 5 | 1.6% | — |
| 22 | Loandepot.Com, LLC | 4 | 1.3% | — |
| 23 | 1ST ADVANTAGE FEDERAL CREDIT UNION 90 out of 100, Very strong | 4 | 1.3% | 28.0% |
| 24 | Presidential Bank, FSB 51 out of 100, Below average | 4 | 1.3% | 6.9% |
| 25 | Navy Federal Credit Union 66 out of 100, Moderate | 3 | 1.0% | 32.9% |
| 26 | Broker Solutions, Inc. | 3 | 1.0% | — |
| 27 | Chesapeake Bank 81 out of 100, Strong | 3 | 1.0% | 19.4% |
| 28 | PLANET HOME LENDING, LLC | 3 | 1.0% | — |
| 29 | Prosperity Home Mortgage, LLC | 3 | 1.0% | — |
| 30 | VILLAGE CAPITAL & INVESTMENT LLC | 3 | 1.0% | — |
| 31 | Atlantic Union Bank 73 out of 100, Strong | 3 | 1.0% | 23.3% |
| 32 | Ameris Bank 67 out of 100, Moderate | 3 | 1.0% | 10.5% |
| 33 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 0.6% | 22.2% |
| 34 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | 0.6% | — |
| 35 | Towne Bank 74 out of 100, Strong | 2 | 0.6% | 6.6% |
| 36 | TIDEWATER MORTGAGE SERVICES, INC. | 2 | 0.6% | — |
| 37 | Kiavi Funding, Inc. | 2 | 0.6% | — |
| 38 | AMERICAN FINANCING CORPORATION | 2 | 0.6% | — |
| 39 | Integrity Home Mortgage Corporation | 2 | 0.6% | — |
| 40 | First Heritage Mortgage, LLC | 2 | 0.6% | — |
Top 40 of 86 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
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