Virginia · HMDA 2025
Mortgage lenders in Emporia city, VA
74 lenders reported 187 home-loan applications in Emporia city in 2025. 99 closed as loans ($15.0M), 23 were denied — a 17.8% denial rate on decided applications, below the Virginia rate of 20.2%. The three most active lenders handled 18% of applications, led by Truist Bank. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 187
- Loans originated
- 99
- Purchase / refinance
- 58 / 30
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Emporia city
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Truist Bank 63 out of 100, Moderate | 16 | 8.6% | 40.8% |
| 2 | Mortgage Research Center, LLC | 9 | 4.8% | — |
| 3 | Virginia Credit Union, Inc. | 9 | 4.8% | — |
| 4 | Benchmark Community Bank 75 out of 100, Strong | 8 | 4.3% | 9.1% |
| 5 | PENNYMAC LOAN SERVICES, LLC | 6 | 3.2% | — |
| 6 | NEW DAY FINANCIAL, LLC | 6 | 3.2% | — |
| 7 | Navy Federal Credit Union 66 out of 100, Moderate | 5 | 2.7% | 32.9% |
| 8 | Broker Solutions, Inc. | 5 | 2.7% | — |
| 9 | Presidential Bank, FSB 51 out of 100, Below average | 5 | 2.7% | 6.9% |
| 10 | KIND LENDING, LLC | 5 | 2.7% | — |
| 11 | AMERICAN HERITAGE LENDING, LLC | 5 | 2.7% | — |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 4 | 2.1% | 14.1% |
| 13 | UNITED SHORE FINANCIAL SERVICES, LLC | 4 | 2.1% | — |
| 14 | Rocket Mortgage, LLC | 4 | 2.1% | — |
| 15 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 1.6% | — |
| 16 | FIRST BANK 67 out of 100, Moderate | 3 | 1.6% | 17.0% |
| 17 | FREEDOM MORTGAGE CORPORATION | 3 | 1.6% | — |
| 18 | MUTUAL OF OMAHA MORTGAGE, INC. | 3 | 1.6% | — |
| 19 | VILLAGE CAPITAL & INVESTMENT LLC | 3 | 1.6% | — |
| 20 | Atlantic Union Bank 73 out of 100, Strong | 3 | 1.6% | 23.3% |
| 21 | Beeline Loans, Inc. | 3 | 1.6% | — |
| 22 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 3 | 1.6% | 22.5% |
| 23 | NEWREZ LLC | 2 | 1.1% | — |
| 24 | Discover Bank | 2 | 1.1% | — |
| 25 | AmeriSave Mortgage Corporation | 2 | 1.1% | — |
| 26 | GUILD MORTGAGE COMPANY | 2 | 1.1% | — |
| 27 | Bank of America, National Association 59 out of 100, Moderate | 2 | 1.1% | 44.7% |
| 28 | Paramount Residential Mortgage Group, Inc. | 2 | 1.1% | — |
| 29 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | 1.1% | — |
| 30 | GENEVA FINANCIAL, LLC | 2 | 1.1% | — |
| 31 | First National Bank of America 51 out of 100, Below average | 2 | 1.1% | 16.9% |
| 32 | Towne Bank 74 out of 100, Strong | 2 | 1.1% | 6.6% |
| 33 | LANGLEY Federal Credit Union 54 out of 100, Below average | 2 | 1.1% | 21.7% |
| 34 | Kiavi Funding, Inc. | 2 | 1.1% | — |
| 35 | Atlantic Coast Mortgage, LLC | 2 | 1.1% | — |
| 36 | C & F Mortgage Corporation | 2 | 1.1% | — |
| 37 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | 1.1% | — |
| 38 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 2 | 1.1% | — |
| 39 | BETTER MORTGAGE CORPORATION | 2 | 1.1% | — |
| 40 | Strategic Funding, LP | 2 | 1.1% | — |
Top 40 of 74 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