Virginia · HMDA 2025
Mortgage lenders in Frederick County, VA
307 lenders reported 5,646 home-loan applications in Frederick County in 2025. 2,992 closed as loans ($885.1M), 722 were denied — a 18.8% denial rate on decided applications, below the Virginia rate of 20.2%. The three most active lenders handled 19% of applications, led by PENNYMAC LOAN SERVICES, LLC. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 5,646
- Loans originated
- 2,992
- Purchase / refinance
- 1,638 / 800
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Frederick County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | PENNYMAC LOAN SERVICES, LLC | 414 | 7.3% | — |
| 2 | Navy Federal Credit Union 66 out of 100, Moderate | 372 | 6.6% | 32.9% |
| 3 | Rocket Mortgage, LLC | 294 | 5.2% | — |
| 4 | DHI MORTGAGE COMPANY, LTD. | 280 | 5.0% | — |
| 5 | Truist Bank 63 out of 100, Moderate | 204 | 3.6% | 40.8% |
| 6 | CROSSCOUNTRY MORTGAGE, INC. | 190 | 3.4% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 187 | 3.3% | — |
| 8 | Integrity Home Mortgage Corporation | 156 | 2.8% | — |
| 9 | NEWREZ LLC | 154 | 2.7% | — |
| 10 | FREEDOM MORTGAGE CORPORATION | 142 | 2.5% | — |
| 11 | Bank of Clarke | 129 | 2.3% | — |
| 12 | Loandepot.Com, LLC | 126 | 2.2% | — |
| 13 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 122 | 2.2% | 14.1% |
| 14 | Apple Federal Credit Union 76 out of 100, Strong | 104 | 1.8% | 33.0% |
| 15 | INTERCOASTAL MORTGAGE, LLC | 86 | 1.5% | — |
| 16 | Atlantic Coast Mortgage, LLC | 83 | 1.5% | — |
| 17 | NATIONSTAR MORTGAGE LLC | 78 | 1.4% | — |
| 18 | Mortgage Research Center, LLC | 76 | 1.3% | — |
| 19 | AMERIHOME MORTGAGE COMPANY, LLC | 74 | 1.3% | — |
| 20 | FIRST BANK 67 out of 100, Moderate | 63 | 1.1% | 17.0% |
| 21 | FIGURE LENDING LLC | 62 | 1.1% | — |
| 22 | HOMEAMERICAN MORTGAGE CORPORATION | 61 | 1.1% | — |
| 23 | CMG MORTGAGE, INC. | 58 | 1.0% | — |
| 24 | LAKEVIEW LOAN SERVICING, LLC | 58 | 1.0% | — |
| 25 | City National Bank of West Virginia 78 out of 100, Strong | 54 | 1.0% | 27.3% |
| 26 | GUILD MORTGAGE COMPANY | 52 | 0.9% | — |
| 27 | Bank of America, National Association 59 out of 100, Moderate | 49 | 0.9% | 44.7% |
| 28 | Fairway Independent Mortgage Corporation | 48 | 0.9% | — |
| 29 | AmeriSave Mortgage Corporation | 47 | 0.8% | — |
| 30 | SPRING EQ, LLC | 43 | 0.8% | — |
| 31 | PHH Mortgage Corporation | 42 | 0.7% | — |
| 32 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 40 | 0.7% | 45.9% |
| 33 | Broker Solutions, Inc. | 38 | 0.7% | — |
| 34 | United Bank 74 out of 100, Strong | 37 | 0.7% | 20.3% |
| 35 | PLANET HOME LENDING, LLC | 36 | 0.6% | — |
| 36 | 21st Mortgage Corporation | 34 | 0.6% | — |
| 37 | VANDERBILT MORTGAGE AND FINANCE, INC. | 34 | 0.6% | — |
| 38 | CARRINGTON MORTGAGE SERVICES, LLC | 32 | 0.6% | — |
| 39 | Citizens Bank, National Association 54 out of 100, Below average | 29 | 0.5% | 32.5% |
| 40 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 29 | 0.5% | 22.2% |
Top 40 of 307 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