Virginia · HMDA 2025
Mortgage lenders in Franklin County, VA
228 lenders reported 2,536 home-loan applications in Franklin County in 2025. 1,388 closed as loans ($411.5M), 380 were denied — a 20.6% denial rate on decided applications, close to the Virginia rate of 20.2%. The three most active lenders handled 17% of applications, led by Virginia Credit Union, Inc.. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,536
- Loans originated
- 1,388
- Purchase / refinance
- 720 / 378
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Franklin County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Virginia Credit Union, Inc. | 152 | 6.0% | — |
| 2 | Rocket Mortgage, LLC | 140 | 5.5% | — |
| 3 | Truist Bank 63 out of 100, Moderate | 136 | 5.4% | 40.8% |
| 4 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 101 | 4.0% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 98 | 3.9% | — |
| 6 | CNB Bank 65 out of 100, Moderate | 96 | 3.8% | 10.4% |
| 7 | VANDERBILT MORTGAGE AND FINANCE, INC. | 90 | 3.5% | — |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 87 | 3.4% | — |
| 9 | Atlantic Union Bank 73 out of 100, Strong | 85 | 3.4% | 23.3% |
| 10 | NEWREZ LLC | 57 | 2.2% | — |
| 11 | Mortgage Research Center, LLC | 54 | 2.1% | — |
| 12 | GUARANTEED RATE, INC. | 53 | 2.1% | — |
| 13 | Alcova Mortgage LLC | 49 | 1.9% | — |
| 14 | FREEDOM FIRST Federal Credit Union 64 out of 100, Moderate | 48 | 1.9% | 15.2% |
| 15 | Navy Federal Credit Union 66 out of 100, Moderate | 44 | 1.7% | 32.9% |
| 16 | AMERIHOME MORTGAGE COMPANY, LLC | 41 | 1.6% | — |
| 17 | FREEDOM MORTGAGE CORPORATION | 41 | 1.6% | — |
| 18 | MOVEMENT MORTGAGE, LLC | 38 | 1.5% | — |
| 19 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 35 | 1.4% | 14.1% |
| 20 | SWBC MORTGAGE CORPORATION | 35 | 1.4% | — |
| 21 | Bank of Botetourt 79 out of 100, Strong | 34 | 1.3% | 4.3% |
| 22 | AmeriSave Mortgage Corporation | 33 | 1.3% | — |
| 23 | Carter Bank & Trust 76 out of 100, Strong | 33 | 1.3% | 28.0% |
| 24 | NATIONSTAR MORTGAGE LLC | 30 | 1.2% | — |
| 25 | Coastal Community Bank 35 out of 100, Low | 28 | 1.1% | 3.0% |
| 26 | Bank of America, National Association 59 out of 100, Moderate | 27 | 1.1% | 44.7% |
| 27 | FIGURE LENDING LLC | 25 | 1.0% | — |
| 28 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 25 | 1.0% | 22.5% |
| 29 | Citizens Bank, National Association 54 out of 100, Below average | 23 | 0.9% | 32.5% |
| 30 | Broker Solutions, Inc. | 23 | 0.9% | — |
| 31 | PLANET HOME LENDING, LLC | 22 | 0.9% | — |
| 32 | First Horizon Bank 64 out of 100, Moderate | 22 | 0.9% | 25.4% |
| 33 | Loandepot.Com, LLC | 20 | 0.8% | — |
| 34 | FIRST BANCORP, INC. | 20 | 0.8% | — |
| 35 | CROSSCOUNTRY MORTGAGE, INC. | 19 | 0.7% | — |
| 36 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 16 | 0.6% | 22.2% |
| 37 | Integrity Home Mortgage Corporation | 16 | 0.6% | — |
| 38 | NEW DAY FINANCIAL, LLC | 16 | 0.6% | — |
| 39 | CMG MORTGAGE, INC. | 15 | 0.6% | — |
| 40 | SPRING EQ, LLC | 14 | 0.6% | — |
Top 40 of 228 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