Virginia · HMDA 2025
Mortgage lenders in Cumberland County, VA
109 lenders reported 526 home-loan applications in Cumberland County in 2025. 261 closed as loans ($60.9M), 76 were denied — a 21.8% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 19% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 9 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 526
- Loans originated
- 261
- Purchase / refinance
- 154 / 69
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cumberland County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 44 | 8.4% | — |
| 2 | Rocket Mortgage, LLC | 32 | 6.1% | — |
| 3 | C & F Mortgage Corporation | 26 | 4.9% | — |
| 4 | Citizens and Farmers Bank 75 out of 100, Strong | 24 | 4.6% | 27.4% |
| 5 | PENNYMAC LOAN SERVICES, LLC | 22 | 4.2% | — |
| 6 | Virginia Credit Union, Inc. | 21 | 4.0% | — |
| 7 | NEWREZ LLC | 16 | 3.0% | — |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 16 | 3.0% | — |
| 9 | Alcova Mortgage LLC | 15 | 2.9% | — |
| 10 | Mortgage Research Center, LLC | 12 | 2.3% | — |
| 11 | Benchmark Community Bank 75 out of 100, Strong | 12 | 2.3% | 9.1% |
| 12 | FREEDOM MORTGAGE CORPORATION | 11 | 2.1% | — |
| 13 | Truist Bank 63 out of 100, Moderate | 10 | 1.9% | 40.8% |
| 14 | AMERIHOME MORTGAGE COMPANY, LLC | 10 | 1.9% | — |
| 15 | PLANET HOME LENDING, LLC | 10 | 1.9% | — |
| 16 | Citizens Bank and Trust Company 97 out of 100, Very strong | 10 | 1.9% | 16.3% |
| 17 | SOUTHERN TRUST MORTGAGE, LLC | 10 | 1.9% | — |
| 18 | Navy Federal Credit Union 66 out of 100, Moderate | 9 | 1.7% | 32.9% |
| 19 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 7 | 1.3% | 14.1% |
| 20 | CROSSCOUNTRY MORTGAGE, INC. | 7 | 1.3% | — |
| 21 | Bank of America, National Association 59 out of 100, Moderate | 7 | 1.3% | 44.7% |
| 22 | Citizens Bank, National Association 54 out of 100, Below average | 6 | 1.1% | 32.5% |
| 23 | AMERICAN FINANCIAL RESOURCES, INC. | 6 | 1.1% | — |
| 24 | NATIONSTAR MORTGAGE LLC | 6 | 1.1% | — |
| 25 | NEW DAY FINANCIAL, LLC | 6 | 1.1% | — |
| 26 | MOVEMENT MORTGAGE, LLC | 5 | 1.0% | — |
| 27 | GUARANTEED RATE, INC. | 5 | 1.0% | — |
| 28 | SWBC MORTGAGE CORPORATION | 5 | 1.0% | — |
| 29 | Integrity Home Mortgage Corporation | 5 | 1.0% | — |
| 30 | Colonial Farm Credit, ACA | 5 | 1.0% | — |
| 31 | Broker Solutions, Inc. | 4 | 0.8% | — |
| 32 | GUILD MORTGAGE COMPANY | 4 | 0.8% | — |
| 33 | Towne Bank 74 out of 100, Strong | 4 | 0.8% | 6.6% |
| 34 | NFM, INC. | 4 | 0.8% | — |
| 35 | CALCON MUTUAL MORTGAGE LLC | 4 | 0.8% | — |
| 36 | C&F Select LLC | 4 | 0.8% | — |
| 37 | PHH Mortgage Corporation | 4 | 0.8% | — |
| 38 | CAPITAL CENTER, L.L.C. | 4 | 0.8% | — |
| 39 | CMG MORTGAGE, INC. | 3 | 0.6% | — |
| 40 | FIGURE LENDING LLC | 3 | 0.6% | — |
Top 40 of 109 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