Virginia · HMDA 2025
Mortgage lenders in Clarke County, VA
132 lenders reported 624 home-loan applications in Clarke County in 2025. 326 closed as loans ($114.7M), 87 were denied — a 20.2% denial rate on decided applications, close to the Virginia rate of 20.2%. The three most active lenders handled 21% of applications, led by Truist Bank. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 624
- Loans originated
- 326
- Purchase / refinance
- 148 / 114
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Clarke County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Truist Bank 63 out of 100, Moderate | 48 | 7.7% | 40.8% |
| 2 | Rocket Mortgage, LLC | 42 | 6.7% | — |
| 3 | Navy Federal Credit Union 66 out of 100, Moderate | 39 | 6.3% | 32.9% |
| 4 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 22 | 3.5% | 14.1% |
| 5 | Bank of Clarke | 21 | 3.4% | — |
| 6 | Atlantic Coast Mortgage, LLC | 18 | 2.9% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 17 | 2.7% | — |
| 8 | FREEDOM MORTGAGE CORPORATION | 16 | 2.6% | — |
| 9 | NEWREZ LLC | 15 | 2.4% | — |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLC | 14 | 2.2% | — |
| 11 | Bank of America, National Association 59 out of 100, Moderate | 13 | 2.1% | 44.7% |
| 12 | CROSSCOUNTRY MORTGAGE, INC. | 12 | 1.9% | — |
| 13 | AMERIHOME MORTGAGE COMPANY, LLC | 10 | 1.6% | — |
| 14 | LAKEVIEW LOAN SERVICING, LLC | 9 | 1.4% | — |
| 15 | CMG MORTGAGE, INC. | 8 | 1.3% | — |
| 16 | Citizens Bank, National Association 54 out of 100, Below average | 8 | 1.3% | 32.5% |
| 17 | GUARANTEED RATE, INC. | 8 | 1.3% | — |
| 18 | Northwest Federal Credit Union 69 out of 100, Moderate | 8 | 1.3% | 23.7% |
| 19 | PHH Mortgage Corporation | 8 | 1.3% | — |
| 20 | Fairway Independent Mortgage Corporation | 7 | 1.1% | — |
| 21 | Discover Bank | 7 | 1.1% | — |
| 22 | Mortgage Research Center, LLC | 7 | 1.1% | — |
| 23 | Apple Federal Credit Union 76 out of 100, Strong | 7 | 1.1% | 33.0% |
| 24 | Integrity Home Mortgage Corporation | 7 | 1.1% | — |
| 25 | CARRINGTON MORTGAGE SERVICES, LLC | 7 | 1.1% | — |
| 26 | Atlantic Union Bank 73 out of 100, Strong | 7 | 1.1% | 23.3% |
| 27 | Broker Solutions, Inc. | 6 | 1.0% | — |
| 28 | GUILD MORTGAGE COMPANY | 6 | 1.0% | — |
| 29 | PNC Bank, National Association 62 out of 100, Moderate | 6 | 1.0% | 33.8% |
| 30 | Loandepot.Com, LLC | 5 | 0.8% | — |
| 31 | SPRING EQ, LLC | 5 | 0.8% | — |
| 32 | U.S. Bank National Association 55 out of 100, Moderate | 5 | 0.8% | 39.5% |
| 33 | Prosperity Home Mortgage, LLC | 5 | 0.8% | — |
| 34 | INTERCOASTAL MORTGAGE, LLC | 5 | 0.8% | — |
| 35 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 5 | 0.8% | 45.9% |
| 36 | Horizon Farm Credit, ACA | 5 | 0.8% | — |
| 37 | United Bank 74 out of 100, Strong | 5 | 0.8% | 20.3% |
| 38 | Alcova Mortgage LLC | 5 | 0.8% | — |
| 39 | DEEPHAVEN MORTGAGE LLC | 5 | 0.8% | — |
| 40 | Waterstone Mortgage Corporation | 5 | 0.8% | — |
Top 40 of 132 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