Virginia · HMDA 2025
Mortgage lenders in Fairfax County, VA
541 lenders reported 40,597 home-loan applications in Fairfax County in 2025. 20,777 closed as loans ($12.1B), 5,177 were denied — a 19.2% denial rate on decided applications, close to the Virginia rate of 20.2%. The three most active lenders handled 16% of applications, led by Navy Federal Credit Union. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 40,597
- Loans originated
- 20,777
- Purchase / refinance
- 10,740 / 5,865
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Fairfax County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Navy Federal Credit Union 66 out of 100, Moderate | 2,491 | 6.1% | 32.9% |
| 2 | Truist Bank 63 out of 100, Moderate | 1,925 | 4.7% | 40.8% |
| 3 | Bank of America, National Association 59 out of 100, Moderate | 1,884 | 4.6% | 44.7% |
| 4 | PENNYMAC LOAN SERVICES, LLC | 1,820 | 4.5% | — |
| 5 | Rocket Mortgage, LLC | 1,664 | 4.1% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 1,294 | 3.2% | — |
| 7 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1,213 | 3.0% | 14.1% |
| 8 | NEWREZ LLC | 1,070 | 2.6% | — |
| 9 | PNC Bank, National Association 62 out of 100, Moderate | 923 | 2.3% | 33.8% |
| 10 | GUARANTEED RATE, INC. | 813 | 2.0% | — |
| 11 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 813 | 2.0% | 45.9% |
| 12 | CROSSCOUNTRY MORTGAGE, INC. | 760 | 1.9% | — |
| 13 | FREEDOM MORTGAGE CORPORATION | 745 | 1.8% | — |
| 14 | Apple Federal Credit Union 76 out of 100, Strong | 664 | 1.6% | 33.0% |
| 15 | Atlantic Coast Mortgage, LLC | 649 | 1.6% | — |
| 16 | NATIONSTAR MORTGAGE LLC | 546 | 1.3% | — |
| 17 | Citizens Bank, National Association 54 out of 100, Below average | 524 | 1.3% | 32.5% |
| 18 | CMG MORTGAGE, INC. | 518 | 1.3% | — |
| 19 | First Heritage Mortgage, LLC | 509 | 1.3% | — |
| 20 | INTERCOASTAL MORTGAGE, LLC | 464 | 1.1% | — |
| 21 | SPRING EQ, LLC | 463 | 1.1% | — |
| 22 | PHH Mortgage Corporation | 435 | 1.1% | — |
| 23 | Mortgage Research Center, LLC | 434 | 1.1% | — |
| 24 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 426 | 1.0% | 32.9% |
| 25 | MOVEMENT MORTGAGE, LLC | 414 | 1.0% | — |
| 26 | FIGURE LENDING LLC | 401 | 1.0% | — |
| 27 | Citibank, National Association 60 out of 100, Moderate | 396 | 1.0% | 24.0% |
| 28 | Fairway Independent Mortgage Corporation | 387 | 1.0% | — |
| 29 | FIRST SAVINGS MORTGAGE CORPORATION | 379 | 0.9% | — |
| 30 | AMERIHOME MORTGAGE COMPANY, LLC | 378 | 0.9% | — |
| 31 | Prosperity Home Mortgage, LLC | 368 | 0.9% | — |
| 32 | TD Bank, National Association 63 out of 100, Moderate | 361 | 0.9% | 35.3% |
| 33 | Coastal Community Bank 35 out of 100, Low | 350 | 0.9% | 3.0% |
| 34 | Atlantic Union Bank 73 out of 100, Strong | 349 | 0.9% | 23.3% |
| 35 | U.S. Bank National Association 55 out of 100, Moderate | 342 | 0.8% | 39.5% |
| 36 | Northwest Federal Credit Union 69 out of 100, Moderate | 330 | 0.8% | 23.7% |
| 37 | Loandepot.Com, LLC | 307 | 0.8% | — |
| 38 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 304 | 0.7% | 22.2% |
| 39 | United Bank 74 out of 100, Strong | 293 | 0.7% | 20.3% |
| 40 | Bank-Fund Staff Federal Credit Union 81 out of 100, Strong | 287 | 0.7% | 12.2% |
Top 40 of 541 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Virginia
- 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
- Hampton city 7,582 apps