Virginia · HMDA 2025
Mortgage lenders in Giles County, VA
85 lenders reported 572 home-loan applications in Giles County in 2025. 289 closed as loans ($52.2M), 91 were denied — a 23.2% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 19% of applications, led by Waterstone Mortgage Corporation. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 572
- Loans originated
- 289
- Purchase / refinance
- 168 / 81
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Giles County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Waterstone Mortgage Corporation | 41 | 7.2% | — |
| 2 | Rocket Mortgage, LLC | 36 | 6.3% | — |
| 3 | NATIONAL BANKSHARES, INC. 70 out of 100, Strong | 34 | 5.9% | 3.1% |
| 4 | Truist Bank 63 out of 100, Moderate | 25 | 4.4% | 40.8% |
| 5 | VANDERBILT MORTGAGE AND FINANCE, INC. | 24 | 4.2% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 22 | 3.8% | — |
| 7 | Celco Community Federal Credit Union 85 out of 100, Very strong | 21 | 3.7% | 12.1% |
| 8 | MOVEMENT MORTGAGE, LLC | 18 | 3.1% | — |
| 9 | Alcova Mortgage LLC | 18 | 3.1% | — |
| 10 | The First National Bank of Peterstown 77 out of 100, Strong | 15 | 2.6% | 22.6% |
| 11 | FREEDOM MORTGAGE CORPORATION | 14 | 2.4% | — |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 13 | 2.3% | — |
| 13 | Mortgage Research Center, LLC | 13 | 2.3% | — |
| 14 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 13 | 2.3% | — |
| 15 | NEWREZ LLC | 12 | 2.1% | — |
| 16 | AMERIHOME MORTGAGE COMPANY, LLC | 12 | 2.1% | — |
| 17 | FREEDOM FIRST Federal Credit Union 64 out of 100, Moderate | 12 | 2.1% | 15.2% |
| 18 | Atlantic Union Bank 73 out of 100, Strong | 12 | 2.1% | 23.3% |
| 19 | PLANET HOME LENDING, LLC | 11 | 1.9% | — |
| 20 | First Heritage Mortgage, LLC | 10 | 1.7% | — |
| 21 | NATIONSTAR MORTGAGE LLC | 10 | 1.7% | — |
| 22 | Virginia Credit Union, Inc. | 10 | 1.7% | — |
| 23 | U.S. Bank National Association 55 out of 100, Moderate | 8 | 1.4% | 39.5% |
| 24 | Truliant Federal Credit Union 67 out of 100, Moderate | 8 | 1.4% | 50.3% |
| 25 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 7 | 1.2% | 14.1% |
| 26 | VILLAGE CAPITAL & INVESTMENT LLC | 7 | 1.2% | — |
| 27 | Bank of America, National Association 59 out of 100, Moderate | 6 | 1.0% | 44.7% |
| 28 | Prosperity Home Mortgage, LLC | 6 | 1.0% | — |
| 29 | BETTER MORTGAGE CORPORATION | 6 | 1.0% | — |
| 30 | Coastal Community Bank 35 out of 100, Low | 6 | 1.0% | 3.0% |
| 31 | Broker Solutions, Inc. | 5 | 0.9% | — |
| 32 | Discover Bank | 5 | 0.9% | — |
| 33 | AmeriSave Mortgage Corporation | 5 | 0.9% | — |
| 34 | Navy Federal Credit Union 66 out of 100, Moderate | 4 | 0.7% | 32.9% |
| 35 | 21st Mortgage Corporation | 4 | 0.7% | — |
| 36 | SOFI BANK, NATIONAL ASSOCIATION | 4 | 0.7% | — |
| 37 | First Community Bank 75 out of 100, Strong | 4 | 0.7% | 30.8% |
| 38 | NEW DAY FINANCIAL, LLC | 4 | 0.7% | — |
| 39 | TOWNE MORTGAGE COMPANY | 4 | 0.7% | — |
| 40 | CARRINGTON MORTGAGE SERVICES, LLC | 4 | 0.7% | — |
Top 40 of 85 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