Virginia · HMDA 2025
Mortgage lenders in Charlotte County, VA
92 lenders reported 369 home-loan applications in Charlotte County in 2025. 159 closed as loans ($26.9M), 82 were denied — a 32.4% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 28% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 9 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 369
- Loans originated
- 159
- Purchase / refinance
- 88 / 51
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Charlotte County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 60 | 16.3% | — |
| 2 | Rocket Mortgage, LLC | 25 | 6.8% | — |
| 3 | Truist Bank 63 out of 100, Moderate | 19 | 5.1% | 40.8% |
| 4 | The Bank of Charlotte County 87 out of 100, Very strong | 17 | 4.6% | 16.4% |
| 5 | Benchmark Community Bank 75 out of 100, Strong | 15 | 4.1% | 9.1% |
| 6 | Virginia Credit Union, Inc. | 13 | 3.5% | — |
| 7 | CROSSCOUNTRY MORTGAGE, INC. | 12 | 3.3% | — |
| 8 | Mortgage Research Center, LLC | 10 | 2.7% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 9 | 2.4% | — |
| 10 | NEWREZ LLC | 8 | 2.2% | — |
| 11 | Alcova Mortgage LLC | 8 | 2.2% | — |
| 12 | 21st Mortgage Corporation | 7 | 1.9% | — |
| 13 | UNITED SHORE FINANCIAL SERVICES, LLC | 6 | 1.6% | — |
| 14 | GUILD MORTGAGE COMPANY | 6 | 1.6% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 6 | 1.6% | — |
| 16 | The Farmers Bank of Appomattox | 6 | 1.6% | — |
| 17 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 6 | 1.6% | — |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 5 | 1.4% | 14.1% |
| 19 | AmeriSave Mortgage Corporation | 5 | 1.4% | — |
| 20 | CALCON MUTUAL MORTGAGE LLC | 5 | 1.4% | — |
| 21 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 5 | 1.4% | 22.5% |
| 22 | Navy Federal Credit Union 66 out of 100, Moderate | 4 | 1.1% | 32.9% |
| 23 | Broker Solutions, Inc. | 4 | 1.1% | — |
| 24 | Discover Bank | 4 | 1.1% | — |
| 25 | TRIAD FINANCIAL SERVICES, INC. | 4 | 1.1% | — |
| 26 | AMERICAN FINANCIAL RESOURCES, INC. | 4 | 1.1% | — |
| 27 | FIRST BANCORP, INC. | 4 | 1.1% | — |
| 28 | PLANET HOME LENDING, LLC | 3 | 0.8% | — |
| 29 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | 0.8% | — |
| 30 | VILLAGE CAPITAL & INVESTMENT LLC | 3 | 0.8% | — |
| 31 | PHH Mortgage Corporation | 3 | 0.8% | — |
| 32 | Coastal Community Bank 35 out of 100, Low | 3 | 0.8% | 3.0% |
| 33 | CMG MORTGAGE, INC. | 2 | 0.5% | — |
| 34 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 0.5% | 22.2% |
| 35 | Loandepot.Com, LLC | 2 | 0.5% | — |
| 36 | Bank of America, National Association 59 out of 100, Moderate | 2 | 0.5% | 44.7% |
| 37 | SPRING EQ, LLC | 2 | 0.5% | — |
| 38 | AMERIHOME MORTGAGE COMPANY, LLC | 2 | 0.5% | — |
| 39 | SWBC MORTGAGE CORPORATION | 2 | 0.5% | — |
| 40 | RESOURCE FINANCIAL SERVICES, INC. | 2 | 0.5% | — |
Top 40 of 92 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