Virginia · HMDA 2025
Mortgage lenders in Lancaster County, VA
148 lenders reported 689 home-loan applications in Lancaster County in 2025. 340 closed as loans ($107.6M), 110 were denied — a 23.2% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 16% of applications, led by PENNYMAC LOAN SERVICES, LLC. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 689
- Loans originated
- 340
- Purchase / refinance
- 198 / 94
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lancaster County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | PENNYMAC LOAN SERVICES, LLC | 39 | 5.7% | — |
| 2 | Chesapeake Bank 81 out of 100, Strong | 36 | 5.2% | 19.4% |
| 3 | Atlantic Union Bank 73 out of 100, Strong | 32 | 4.6% | 23.3% |
| 4 | Rocket Mortgage, LLC | 31 | 4.5% | — |
| 5 | VANDERBILT MORTGAGE AND FINANCE, INC. | 25 | 3.6% | — |
| 6 | DHI MORTGAGE COMPANY, LTD. | 23 | 3.3% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 19 | 2.8% | — |
| 8 | Navy Federal Credit Union 66 out of 100, Moderate | 18 | 2.6% | 32.9% |
| 9 | NVR Mortgage Finance, Inc. | 17 | 2.5% | — |
| 10 | Truist Bank 63 out of 100, Moderate | 16 | 2.3% | 40.8% |
| 11 | CALCON MUTUAL MORTGAGE LLC | 15 | 2.2% | — |
| 12 | MOVEMENT MORTGAGE, LLC | 13 | 1.9% | — |
| 13 | NEWREZ LLC | 12 | 1.7% | — |
| 14 | Bank of America, National Association 59 out of 100, Moderate | 12 | 1.7% | 44.7% |
| 15 | C & F Mortgage Corporation | 12 | 1.7% | — |
| 16 | FREEDOM MORTGAGE CORPORATION | 11 | 1.6% | — |
| 17 | PLAZA HOME MORTGAGE, INC. | 11 | 1.6% | — |
| 18 | United Bank 74 out of 100, Strong | 11 | 1.6% | 20.3% |
| 19 | Primis Bank | 10 | 1.5% | — |
| 20 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 9 | 1.3% | 14.1% |
| 21 | Virginia Credit Union, Inc. | 9 | 1.3% | — |
| 22 | Broker Solutions, Inc. | 8 | 1.2% | — |
| 23 | Towne Bank 74 out of 100, Strong | 8 | 1.2% | 6.6% |
| 24 | NATIONSTAR MORTGAGE LLC | 8 | 1.2% | — |
| 25 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 8 | 1.2% | — |
| 26 | CAPITAL CENTER, L.L.C. | 8 | 1.2% | — |
| 27 | Discover Bank | 7 | 1.0% | — |
| 28 | AmeriSave Mortgage Corporation | 7 | 1.0% | — |
| 29 | PLANET HOME LENDING, LLC | 7 | 1.0% | — |
| 30 | First Heritage Mortgage, LLC | 7 | 1.0% | — |
| 31 | Citizens and Farmers Bank 75 out of 100, Strong | 7 | 1.0% | 27.4% |
| 32 | SPRING EQ, LLC | 6 | 0.9% | — |
| 33 | LANGLEY Federal Credit Union 54 out of 100, Below average | 6 | 0.9% | 21.7% |
| 34 | Prosperity Home Mortgage, LLC | 6 | 0.9% | — |
| 35 | NEW DAY FINANCIAL, LLC | 6 | 0.9% | — |
| 36 | Coastal Community Bank 35 out of 100, Low | 6 | 0.9% | 3.0% |
| 37 | GUARANTEED RATE, INC. | 5 | 0.7% | — |
| 38 | CROSSCOUNTRY MORTGAGE, INC. | 5 | 0.7% | — |
| 39 | AMERIHOME MORTGAGE COMPANY, LLC | 5 | 0.7% | — |
| 40 | FIGURE LENDING LLC | 5 | 0.7% | — |
Top 40 of 148 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