Virginia · HMDA 2025
Mortgage lenders in Henry County, VA
173 lenders reported 1,787 home-loan applications in Henry County in 2025. 812 closed as loans ($128.8M), 374 were denied — a 29.9% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 22% of applications, led by Alcova Mortgage LLC. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,787
- Loans originated
- 812
- Purchase / refinance
- 376 / 240
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Henry County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Alcova Mortgage LLC | 151 | 8.4% | — |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 127 | 7.1% | — |
| 3 | Rocket Mortgage, LLC | 113 | 6.3% | — |
| 4 | ValleyStar Credit Union 45 out of 100, Below average | 113 | 6.3% | 51.4% |
| 5 | PENNYMAC LOAN SERVICES, LLC | 89 | 5.0% | — |
| 6 | Truist Bank 63 out of 100, Moderate | 78 | 4.4% | 40.8% |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 55 | 3.1% | — |
| 8 | Mortgage Research Center, LLC | 55 | 3.1% | — |
| 9 | Atlantic Union Bank 73 out of 100, Strong | 49 | 2.7% | 23.3% |
| 10 | The Fidelity Bank 78 out of 100, Strong | 44 | 2.5% | 14.7% |
| 11 | Carter Bank & Trust 76 out of 100, Strong | 44 | 2.5% | 28.0% |
| 12 | NEWREZ LLC | 37 | 2.1% | — |
| 13 | Loandepot.Com, LLC | 31 | 1.7% | — |
| 14 | AMERIHOME MORTGAGE COMPANY, LLC | 28 | 1.6% | — |
| 15 | PLANET HOME LENDING, LLC | 28 | 1.6% | — |
| 16 | Coastal Community Bank 35 out of 100, Low | 27 | 1.5% | 3.0% |
| 17 | Broker Solutions, Inc. | 26 | 1.5% | — |
| 18 | FREEDOM MORTGAGE CORPORATION | 26 | 1.5% | — |
| 19 | 21st Mortgage Corporation | 25 | 1.4% | — |
| 20 | AmeriSave Mortgage Corporation | 25 | 1.4% | — |
| 21 | First Horizon Bank 64 out of 100, Moderate | 25 | 1.4% | 25.4% |
| 22 | Navy Federal Credit Union 66 out of 100, Moderate | 24 | 1.3% | 32.9% |
| 23 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 24 | 1.3% | — |
| 24 | VILLAGE CAPITAL & INVESTMENT LLC | 20 | 1.1% | — |
| 25 | C & F Mortgage Corporation | 19 | 1.1% | — |
| 26 | Truliant Federal Credit Union 67 out of 100, Moderate | 19 | 1.1% | 50.3% |
| 27 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 17 | 1.0% | 14.1% |
| 28 | Blue Ridge Bank, National Association 49 out of 100, Below average | 16 | 0.9% | 11.7% |
| 29 | NEW DAY FINANCIAL, LLC | 16 | 0.9% | — |
| 30 | NATIONSTAR MORTGAGE LLC | 14 | 0.8% | — |
| 31 | Atlantic Coast Mortgage, LLC | 13 | 0.7% | — |
| 32 | FIGURE LENDING LLC | 12 | 0.7% | — |
| 33 | Virginia Credit Union, Inc. | 12 | 0.7% | — |
| 34 | AMERICAN FINANCIAL RESOURCES, INC. | 10 | 0.6% | — |
| 35 | MOVEMENT MORTGAGE, LLC | 9 | 0.5% | — |
| 36 | CARRINGTON MORTGAGE SERVICES, LLC | 9 | 0.5% | — |
| 37 | Waterstone Mortgage Corporation | 9 | 0.5% | — |
| 38 | Citizens Bank, National Association 54 out of 100, Below average | 8 | 0.4% | 32.5% |
| 39 | GUARANTEED RATE, INC. | 8 | 0.4% | — |
| 40 | Bank of America, National Association 59 out of 100, Moderate | 8 | 0.4% | 44.7% |
Top 40 of 173 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