Virginia · HMDA 2025
Mortgage lenders in Fredericksburg city, VA
166 lenders reported 945 home-loan applications in Fredericksburg city in 2025. 498 closed as loans ($178.7M), 120 were denied — a 18.4% denial rate on decided applications, below the Virginia rate of 20.2%. The three most active lenders handled 16% of applications, led by Navy Federal Credit Union. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 945
- Loans originated
- 498
- Purchase / refinance
- 267 / 143
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Fredericksburg city
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Navy Federal Credit Union 66 out of 100, Moderate | 66 | 7.0% | 32.9% |
| 2 | Rocket Mortgage, LLC | 50 | 5.3% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 35 | 3.7% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 34 | 3.6% | — |
| 5 | MOVEMENT MORTGAGE, LLC | 32 | 3.4% | — |
| 6 | NEWREZ LLC | 30 | 3.2% | — |
| 7 | PNC Bank, National Association 62 out of 100, Moderate | 29 | 3.1% | 33.8% |
| 8 | FREEDOM MORTGAGE CORPORATION | 28 | 3.0% | — |
| 9 | Atlantic Union Bank 73 out of 100, Strong | 26 | 2.8% | 23.3% |
| 10 | Truist Bank 63 out of 100, Moderate | 25 | 2.6% | 40.8% |
| 11 | LINKBANK | 21 | 2.2% | — |
| 12 | Mortgage Research Center, LLC | 20 | 2.1% | — |
| 13 | Atlantic Coast Mortgage, LLC | 19 | 2.0% | — |
| 14 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 17 | 1.8% | 14.1% |
| 15 | Bank of America, National Association 59 out of 100, Moderate | 16 | 1.7% | 44.7% |
| 16 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 16 | 1.7% | 45.9% |
| 17 | Fairway Independent Mortgage Corporation | 14 | 1.5% | — |
| 18 | VANDERBILT MORTGAGE AND FINANCE, INC. | 13 | 1.4% | — |
| 19 | AMERIHOME MORTGAGE COMPANY, LLC | 13 | 1.4% | — |
| 20 | NATIONSTAR MORTGAGE LLC | 13 | 1.4% | — |
| 21 | Ameris Bank 67 out of 100, Moderate | 13 | 1.4% | 10.5% |
| 22 | NVR Mortgage Finance, Inc. | 12 | 1.3% | — |
| 23 | Virginia Credit Union, Inc. | 12 | 1.3% | — |
| 24 | GUARANTEED RATE, INC. | 11 | 1.2% | — |
| 25 | PLANET HOME LENDING, LLC | 11 | 1.2% | — |
| 26 | VILLAGE CAPITAL & INVESTMENT LLC | 11 | 1.2% | — |
| 27 | Coastal Community Bank 35 out of 100, Low | 11 | 1.2% | 3.0% |
| 28 | SPRING EQ, LLC | 10 | 1.1% | — |
| 29 | Prosperity Home Mortgage, LLC | 10 | 1.1% | — |
| 30 | Kiavi Funding, Inc. | 9 | 1.0% | — |
| 31 | MORIA DEVELOPMENT, INC. | 9 | 1.0% | — |
| 32 | Discover Bank | 8 | 0.8% | — |
| 33 | C & F Mortgage Corporation | 8 | 0.8% | — |
| 34 | LAKEVIEW LOAN SERVICING, LLC | 8 | 0.8% | — |
| 35 | CMG MORTGAGE, INC. | 7 | 0.7% | — |
| 36 | Broker Solutions, Inc. | 7 | 0.7% | — |
| 37 | AMERICAN FINANCIAL NETWORK, INC. | 7 | 0.7% | — |
| 38 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 7 | 0.7% | 32.9% |
| 39 | Shore United Bank, N.A. 61 out of 100, Moderate | 6 | 0.6% | 16.7% |
| 40 | SUMMIT FUNDING, INC. | 6 | 0.6% | — |
Top 40 of 166 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