Virginia · HMDA 2025
Mortgage lenders in Culpeper County, VA
250 lenders reported 2,972 home-loan applications in Culpeper County in 2025. 1,504 closed as loans ($533.2M), 452 were denied — a 22.3% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 17% of applications, led by Truist Bank. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,972
- Loans originated
- 1,504
- Purchase / refinance
- 749 / 493
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Culpeper County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Truist Bank 63 out of 100, Moderate | 190 | 6.4% | 40.8% |
| 2 | Rocket Mortgage, LLC | 176 | 5.9% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 154 | 5.2% | — |
| 4 | NVR Mortgage Finance, Inc. | 148 | 5.0% | — |
| 5 | Navy Federal Credit Union 66 out of 100, Moderate | 118 | 4.0% | 32.9% |
| 6 | FREEDOM MORTGAGE CORPORATION | 107 | 3.6% | — |
| 7 | UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC. | 104 | 3.5% | — |
| 8 | NEWREZ LLC | 81 | 2.7% | — |
| 9 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 74 | 2.5% | 14.1% |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLC | 74 | 2.5% | — |
| 11 | LENNAR MORTGAGE, LLC | 68 | 2.3% | — |
| 12 | Atlantic Union Bank 73 out of 100, Strong | 62 | 2.1% | 23.3% |
| 13 | CMG MORTGAGE, INC. | 59 | 2.0% | — |
| 14 | Atlantic Coast Mortgage, LLC | 58 | 2.0% | — |
| 15 | NFM, INC. | 53 | 1.8% | — |
| 16 | SPRING EQ, LLC | 42 | 1.4% | — |
| 17 | MOVEMENT MORTGAGE, LLC | 41 | 1.4% | — |
| 18 | Mortgage Research Center, LLC | 40 | 1.3% | — |
| 19 | NATIONSTAR MORTGAGE LLC | 38 | 1.3% | — |
| 20 | EMBRACE HOME LOANS, INC. | 37 | 1.2% | — |
| 21 | AMERIHOME MORTGAGE COMPANY, LLC | 36 | 1.2% | — |
| 22 | Apple Federal Credit Union 76 out of 100, Strong | 36 | 1.2% | 33.0% |
| 23 | VANDERBILT MORTGAGE AND FINANCE, INC. | 35 | 1.2% | — |
| 24 | Bank of America, National Association 59 out of 100, Moderate | 30 | 1.0% | 44.7% |
| 25 | AmeriSave Mortgage Corporation | 27 | 0.9% | — |
| 26 | CROSSCOUNTRY MORTGAGE, INC. | 27 | 0.9% | — |
| 27 | LAKEVIEW LOAN SERVICING, LLC | 27 | 0.9% | — |
| 28 | Coastal Community Bank 35 out of 100, Low | 27 | 0.9% | 3.0% |
| 29 | Integrity Home Mortgage Corporation | 26 | 0.9% | — |
| 30 | PNC Bank, National Association 62 out of 100, Moderate | 25 | 0.8% | 33.8% |
| 31 | PLANET HOME LENDING, LLC | 25 | 0.8% | — |
| 32 | PHH Mortgage Corporation | 25 | 0.8% | — |
| 33 | GUILD MORTGAGE COMPANY | 23 | 0.8% | — |
| 34 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 22 | 0.7% | 45.9% |
| 35 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 21 | 0.7% | 22.2% |
| 36 | FIGURE LENDING LLC | 21 | 0.7% | — |
| 37 | Loandepot.Com, LLC | 20 | 0.7% | — |
| 38 | Broker Solutions, Inc. | 20 | 0.7% | — |
| 39 | Fulton Bank, National Association 65 out of 100, Moderate | 20 | 0.7% | 23.0% |
| 40 | Discover Bank | 19 | 0.6% | — |
Top 40 of 250 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