Virginia · HMDA 2025
Mortgage lenders in James City County, VA
258 lenders reported 4,313 home-loan applications in James City County in 2025. 2,304 closed as loans ($726.4M), 506 were denied — a 17.4% denial rate on decided applications, below the Virginia rate of 20.2%. The three most active lenders handled 15% of applications, led by PENNYMAC LOAN SERVICES, LLC. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 4,313
- Loans originated
- 2,304
- Purchase / refinance
- 1,125 / 640
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in James City County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | PENNYMAC LOAN SERVICES, LLC | 285 | 6.6% | — |
| 2 | Navy Federal Credit Union 66 out of 100, Moderate | 199 | 4.6% | 32.9% |
| 3 | Rocket Mortgage, LLC | 183 | 4.2% | — |
| 4 | LANGLEY Federal Credit Union 54 out of 100, Below average | 178 | 4.1% | 21.7% |
| 5 | 1ST ADVANTAGE FEDERAL CREDIT UNION 90 out of 100, Very strong | 172 | 4.0% | 28.0% |
| 6 | Prosperity Home Mortgage, LLC | 135 | 3.1% | — |
| 7 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 130 | 3.0% | — |
| 8 | FREEDOM MORTGAGE CORPORATION | 128 | 3.0% | — |
| 9 | NEWREZ LLC | 120 | 2.8% | — |
| 10 | Truist Bank 63 out of 100, Moderate | 120 | 2.8% | 40.8% |
| 11 | Bank of America, National Association 59 out of 100, Moderate | 119 | 2.8% | 44.7% |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 108 | 2.5% | — |
| 13 | NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION | 108 | 2.5% | — |
| 14 | MOVEMENT MORTGAGE, LLC | 107 | 2.5% | — |
| 15 | Towne Bank 74 out of 100, Strong | 95 | 2.2% | 6.6% |
| 16 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 87 | 2.0% | 14.1% |
| 17 | Mortgage Research Center, LLC | 85 | 2.0% | — |
| 18 | LENNAR MORTGAGE, LLC | 76 | 1.8% | — |
| 19 | AMERIHOME MORTGAGE COMPANY, LLC | 71 | 1.6% | — |
| 20 | Towne Mortgage, LLC | 62 | 1.4% | — |
| 21 | Ameris Bank 67 out of 100, Moderate | 57 | 1.3% | 10.5% |
| 22 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 55 | 1.3% | — |
| 23 | NATIONSTAR MORTGAGE LLC | 52 | 1.2% | — |
| 24 | Citizens and Farmers Bank 75 out of 100, Strong | 52 | 1.2% | 27.4% |
| 25 | PLANET HOME LENDING, LLC | 44 | 1.0% | — |
| 26 | FIGURE LENDING LLC | 43 | 1.0% | — |
| 27 | SPRING EQ, LLC | 37 | 0.9% | — |
| 28 | Loandepot.Com, LLC | 34 | 0.8% | — |
| 29 | NVR Mortgage Finance, Inc. | 31 | 0.7% | — |
| 30 | NEW DAY FINANCIAL, LLC | 31 | 0.7% | — |
| 31 | Fulton Bank, National Association 65 out of 100, Moderate | 31 | 0.7% | 23.0% |
| 32 | CMG MORTGAGE, INC. | 29 | 0.7% | — |
| 33 | VANDERBILT MORTGAGE AND FINANCE, INC. | 29 | 0.7% | — |
| 34 | Alcova Mortgage LLC | 29 | 0.7% | — |
| 35 | VILLAGE CAPITAL & INVESTMENT LLC | 29 | 0.7% | — |
| 36 | USAA Federal Savings Bank 64 out of 100, Moderate | 29 | 0.7% | 37.2% |
| 37 | CAPITAL CENTER, L.L.C. | 29 | 0.7% | — |
| 38 | Coastal Community Bank 35 out of 100, Low | 29 | 0.7% | 3.0% |
| 39 | Discover Bank | 28 | 0.6% | — |
| 40 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 27 | 0.6% | 45.9% |
Top 40 of 258 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