Virginia · HMDA 2025
Mortgage lenders in Fluvanna County, VA
182 lenders reported 1,723 home-loan applications in Fluvanna County in 2025. 892 closed as loans ($222.0M), 235 were denied — a 20.2% denial rate on decided applications, close to the Virginia rate of 20.2%. The three most active lenders handled 21% of applications, led by UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC.. 9 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,723
- Loans originated
- 892
- Purchase / refinance
- 429 / 256
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Fluvanna County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC. | 160 | 9.3% | — |
| 2 | First Heritage Mortgage, LLC | 99 | 5.7% | — |
| 3 | Rocket Mortgage, LLC | 98 | 5.7% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 63 | 3.7% | — |
| 5 | Truist Bank 63 out of 100, Moderate | 56 | 3.3% | 40.8% |
| 6 | NEWREZ LLC | 51 | 3.0% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 50 | 2.9% | — |
| 8 | FREEDOM MORTGAGE CORPORATION | 48 | 2.8% | — |
| 9 | AMERIHOME MORTGAGE COMPANY, LLC | 47 | 2.7% | — |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 42 | 2.4% | 14.1% |
| 11 | VANDERBILT MORTGAGE AND FINANCE, INC. | 40 | 2.3% | — |
| 12 | NATIONSTAR MORTGAGE LLC | 39 | 2.3% | — |
| 13 | Navy Federal Credit Union 66 out of 100, Moderate | 37 | 2.1% | 32.9% |
| 14 | Bank of America, National Association 59 out of 100, Moderate | 37 | 2.1% | 44.7% |
| 15 | Atlantic Coast Mortgage, LLC | 37 | 2.1% | — |
| 16 | Mortgage Research Center, LLC | 35 | 2.0% | — |
| 17 | Atlantic Union Bank 73 out of 100, Strong | 35 | 2.0% | 23.3% |
| 18 | CMG MORTGAGE, INC. | 33 | 1.9% | — |
| 19 | Prosperity Home Mortgage, LLC | 26 | 1.5% | — |
| 20 | Virginia Credit Union, Inc. | 25 | 1.5% | — |
| 21 | CROSSCOUNTRY MORTGAGE, INC. | 22 | 1.3% | — |
| 22 | SPRING EQ, LLC | 22 | 1.3% | — |
| 23 | FIGURE LENDING LLC | 21 | 1.2% | — |
| 24 | AmeriSave Mortgage Corporation | 20 | 1.2% | — |
| 25 | Discover Bank | 18 | 1.0% | — |
| 26 | Coastal Community Bank 35 out of 100, Low | 18 | 1.0% | 3.0% |
| 27 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 17 | 1.0% | — |
| 28 | Ixonia Bank 67 out of 100, Moderate | 15 | 0.9% | 4.7% |
| 29 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 14 | 0.8% | 22.5% |
| 30 | Loandepot.Com, LLC | 13 | 0.8% | — |
| 31 | Towne First Mortgage, LLC | 13 | 0.8% | — |
| 32 | PHH Mortgage Corporation | 13 | 0.8% | — |
| 33 | NFM, INC. | 12 | 0.7% | — |
| 34 | GUILD MORTGAGE COMPANY | 11 | 0.6% | — |
| 35 | GRAY FOX MORTGAGE, LLC | 11 | 0.6% | — |
| 36 | United Bank 74 out of 100, Strong | 11 | 0.6% | 20.3% |
| 37 | LAKEVIEW LOAN SERVICING, LLC | 11 | 0.6% | — |
| 38 | MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 0.6% | — |
| 39 | VILLAGE CAPITAL & INVESTMENT LLC | 11 | 0.6% | — |
| 40 | PLANET HOME LENDING, LLC | 10 | 0.6% | — |
Top 40 of 182 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