Virginia · HMDA 2025
Mortgage lenders in Floyd County, VA
109 lenders reported 595 home-loan applications in Floyd County in 2025. 328 closed as loans ($66.8M), 96 were denied — a 21.9% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 24% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 595
- Loans originated
- 328
- Purchase / refinance
- 147 / 82
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Floyd County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 54 | 9.1% | — |
| 2 | Alcova Mortgage LLC | 46 | 7.7% | — |
| 3 | SKYLINE NATIONAL BANK 66 out of 100, Moderate | 43 | 7.2% | 5.7% |
| 4 | Atlantic Union Bank 73 out of 100, Strong | 34 | 5.7% | 23.3% |
| 5 | Rocket Mortgage, LLC | 29 | 4.9% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 26 | 4.4% | — |
| 7 | NEWREZ LLC | 22 | 3.7% | — |
| 8 | FREEDOM FIRST Federal Credit Union 64 out of 100, Moderate | 19 | 3.2% | 15.2% |
| 9 | FIRST BANCORP, INC. | 16 | 2.7% | — |
| 10 | Virginia Credit Union, Inc. | 16 | 2.7% | — |
| 11 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 14 | 2.4% | — |
| 12 | Truist Bank 63 out of 100, Moderate | 13 | 2.2% | 40.8% |
| 13 | Truliant Federal Credit Union 67 out of 100, Moderate | 13 | 2.2% | 50.3% |
| 14 | AMERIHOME MORTGAGE COMPANY, LLC | 11 | 1.8% | — |
| 15 | MOVEMENT MORTGAGE, LLC | 10 | 1.7% | — |
| 16 | Mortgage Research Center, LLC | 10 | 1.7% | — |
| 17 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 9 | 1.5% | 22.2% |
| 18 | FIGURE LENDING LLC | 9 | 1.5% | — |
| 19 | Farm Credit of the Virginias, ACA | 8 | 1.3% | — |
| 20 | FREEDOM MORTGAGE CORPORATION | 8 | 1.3% | — |
| 21 | Broker Solutions, Inc. | 7 | 1.2% | — |
| 22 | Bank of America, National Association 59 out of 100, Moderate | 6 | 1.0% | 44.7% |
| 23 | NATIONSTAR MORTGAGE LLC | 6 | 1.0% | — |
| 24 | CMG MORTGAGE, INC. | 5 | 0.8% | — |
| 25 | SOUTHWEST STAGE FUNDING, LLC | 5 | 0.8% | — |
| 26 | Carter Bank & Trust 76 out of 100, Strong | 5 | 0.8% | 28.0% |
| 27 | TOWNE MORTGAGE COMPANY | 5 | 0.8% | — |
| 28 | UNITED SHORE FINANCIAL SERVICES, LLC | 4 | 0.7% | — |
| 29 | PLANET HOME LENDING, LLC | 4 | 0.7% | — |
| 30 | Renasant Bank 64 out of 100, Moderate | 4 | 0.7% | 11.6% |
| 31 | First Heritage Mortgage, LLC | 4 | 0.7% | — |
| 32 | NEW DAY FINANCIAL, LLC | 4 | 0.7% | — |
| 33 | CARRINGTON MORTGAGE SERVICES, LLC | 4 | 0.7% | — |
| 34 | 21st Mortgage Corporation | 3 | 0.5% | — |
| 35 | Loandepot.Com, LLC | 3 | 0.5% | — |
| 36 | SPRING EQ, LLC | 3 | 0.5% | — |
| 37 | U.S. Bank National Association 55 out of 100, Moderate | 3 | 0.5% | 39.5% |
| 38 | Prosperity Home Mortgage, LLC | 3 | 0.5% | — |
| 39 | AMERICAN FINANCING CORPORATION | 3 | 0.5% | — |
| 40 | BLUE EAGLE CREDIT UNION 84 out of 100, Strong | 3 | 0.5% | 17.1% |
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