Virginia · HMDA 2025
Mortgage lenders in Essex County, VA
115 lenders reported 571 home-loan applications in Essex County in 2025. 292 closed as loans ($69.7M), 100 were denied — a 24.9% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 22% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 571
- Loans originated
- 292
- Purchase / refinance
- 145 / 85
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Essex County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 47 | 8.2% | — |
| 2 | United Bank 74 out of 100, Strong | 43 | 7.5% | 20.3% |
| 3 | Atlantic Union Bank 73 out of 100, Strong | 35 | 6.1% | 23.3% |
| 4 | PENNYMAC LOAN SERVICES, LLC | 32 | 5.6% | — |
| 5 | Rocket Mortgage, LLC | 28 | 4.9% | — |
| 6 | Mortgage Research Center, LLC | 24 | 4.2% | — |
| 7 | Navy Federal Credit Union 66 out of 100, Moderate | 22 | 3.9% | 32.9% |
| 8 | Virginia Credit Union, Inc. | 18 | 3.2% | — |
| 9 | NEWREZ LLC | 13 | 2.3% | — |
| 10 | Primis Bank | 13 | 2.3% | — |
| 11 | MOVEMENT MORTGAGE, LLC | 12 | 2.1% | — |
| 12 | Truist Bank 63 out of 100, Moderate | 11 | 1.9% | 40.8% |
| 13 | UNITED SHORE FINANCIAL SERVICES, LLC | 11 | 1.9% | — |
| 14 | FREEDOM MORTGAGE CORPORATION | 9 | 1.6% | — |
| 15 | AmeriSave Mortgage Corporation | 8 | 1.4% | — |
| 16 | AMERIHOME MORTGAGE COMPANY, LLC | 8 | 1.4% | — |
| 17 | C & F Mortgage Corporation | 8 | 1.4% | — |
| 18 | PLANET HOME LENDING, LLC | 7 | 1.2% | — |
| 19 | Towne Bank 74 out of 100, Strong | 7 | 1.2% | 6.6% |
| 20 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 7 | 1.2% | 45.9% |
| 21 | UNION HOME MORTGAGE CORP. | 7 | 1.2% | — |
| 22 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 1.1% | 14.1% |
| 23 | SPRING EQ, LLC | 6 | 1.1% | — |
| 24 | FIGURE LENDING LLC | 6 | 1.1% | — |
| 25 | NATIONSTAR MORTGAGE LLC | 6 | 1.1% | — |
| 26 | CAPITAL CENTER, L.L.C. | 6 | 1.1% | — |
| 27 | CMG MORTGAGE, INC. | 5 | 0.9% | — |
| 28 | Broker Solutions, Inc. | 5 | 0.9% | — |
| 29 | Chesapeake Bank 81 out of 100, Strong | 5 | 0.9% | 19.4% |
| 30 | LANGLEY Federal Credit Union 54 out of 100, Below average | 5 | 0.9% | 21.7% |
| 31 | Atlantic Coast Mortgage, LLC | 5 | 0.9% | — |
| 32 | Alcova Mortgage LLC | 5 | 0.9% | — |
| 33 | First National Bank of Pennsylvania 64 out of 100, Moderate | 5 | 0.9% | 26.6% |
| 34 | Loandepot.Com, LLC | 4 | 0.7% | — |
| 35 | CROSSCOUNTRY MORTGAGE, INC. | 4 | 0.7% | — |
| 36 | Bank of America, National Association 59 out of 100, Moderate | 4 | 0.7% | 44.7% |
| 37 | SOUTHWEST STAGE FUNDING, LLC | 4 | 0.7% | — |
| 38 | NFM, INC. | 4 | 0.7% | — |
| 39 | Citizens and Farmers Bank 75 out of 100, Strong | 4 | 0.7% | 27.4% |
| 40 | Coastal Community Bank 35 out of 100, Low | 4 | 0.7% | 3.0% |
Top 40 of 115 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