Virginia · HMDA 2025
Mortgage lenders in Charlottesville city, VA
180 lenders reported 1,164 home-loan applications in Charlottesville city in 2025. 616 closed as loans ($374.5M), 144 were denied — a 18.2% denial rate on decided applications, below the Virginia rate of 20.2%. The three most active lenders handled 20% of applications, led by UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC.. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,164
- Loans originated
- 616
- Purchase / refinance
- 312 / 164
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Charlottesville city
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC. | 129 | 11.1% | — |
| 2 | Truist Bank 63 out of 100, Moderate | 57 | 4.9% | 40.8% |
| 3 | Rocket Mortgage, LLC | 48 | 4.1% | — |
| 4 | First Heritage Mortgage, LLC | 39 | 3.4% | — |
| 5 | NEWREZ LLC | 34 | 2.9% | — |
| 6 | Bank of America, National Association 59 out of 100, Moderate | 34 | 2.9% | 44.7% |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 31 | 2.7% | — |
| 8 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 31 | 2.7% | — |
| 9 | Fulton Bank, National Association 65 out of 100, Moderate | 30 | 2.6% | 23.0% |
| 10 | PENNYMAC LOAN SERVICES, LLC | 27 | 2.3% | — |
| 11 | Navy Federal Credit Union 66 out of 100, Moderate | 26 | 2.2% | 32.9% |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 26 | 2.2% | 14.1% |
| 13 | Atlantic Coast Mortgage, LLC | 24 | 2.1% | — |
| 14 | GRAY FOX MORTGAGE, LLC | 23 | 2.0% | — |
| 15 | NFM, INC. | 23 | 2.0% | — |
| 16 | Virginia Credit Union, Inc. | 23 | 2.0% | — |
| 17 | AMERIHOME MORTGAGE COMPANY, LLC | 22 | 1.9% | — |
| 18 | Atlantic Union Bank 73 out of 100, Strong | 21 | 1.8% | 23.3% |
| 19 | Ixonia Bank 67 out of 100, Moderate | 18 | 1.5% | 4.7% |
| 20 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 17 | 1.5% | 22.5% |
| 21 | PHH Mortgage Corporation | 15 | 1.3% | — |
| 22 | CMG MORTGAGE, INC. | 14 | 1.2% | — |
| 23 | Prosperity Home Mortgage, LLC | 14 | 1.2% | — |
| 24 | Carter Bank & Trust 76 out of 100, Strong | 14 | 1.2% | 28.0% |
| 25 | SOFI BANK, NATIONAL ASSOCIATION | 13 | 1.1% | — |
| 26 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 12 | 1.0% | 22.2% |
| 27 | FIGURE LENDING LLC | 12 | 1.0% | — |
| 28 | NATIONSTAR MORTGAGE LLC | 12 | 1.0% | — |
| 29 | FIRST COMMUNITY MORTGAGE, INC. | 12 | 1.0% | — |
| 30 | Coastal Community Bank 35 out of 100, Low | 11 | 0.9% | 3.0% |
| 31 | CAPITAL CENTER, L.L.C. | 10 | 0.9% | — |
| 32 | FREEDOM MORTGAGE CORPORATION | 9 | 0.8% | — |
| 33 | GUILD MORTGAGE COMPANY | 8 | 0.7% | — |
| 34 | Loandepot.Com, LLC | 7 | 0.6% | — |
| 35 | TOWER Federal Credit Union 83 out of 100, Strong | 7 | 0.6% | 30.4% |
| 36 | DEEPHAVEN MORTGAGE LLC | 7 | 0.6% | — |
| 37 | First National Bank of Pennsylvania 64 out of 100, Moderate | 7 | 0.6% | 26.6% |
| 38 | GUARANTEED RATE, INC. | 6 | 0.5% | — |
| 39 | SPRING EQ, LLC | 6 | 0.5% | — |
| 40 | Tomo Mortgage, LLC | 6 | 0.5% | — |
Top 40 of 180 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