Virginia · HMDA 2025
Mortgage lenders in Lynchburg city, VA
246 lenders reported 2,867 home-loan applications in Lynchburg city in 2025. 1,569 closed as loans ($486.1M), 362 were denied — a 17.9% denial rate on decided applications, below the Virginia rate of 20.2%. The three most active lenders handled 14% of applications, led by Rocket Mortgage, LLC. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,867
- Loans originated
- 1,569
- Purchase / refinance
- 1,007 / 364
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lynchburg city
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 196 | 6.8% | — |
| 2 | Fairway Independent Mortgage Corporation | 109 | 3.8% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 109 | 3.8% | — |
| 4 | Truist Bank 63 out of 100, Moderate | 99 | 3.5% | 40.8% |
| 5 | NVR Mortgage Finance, Inc. | 88 | 3.1% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 83 | 2.9% | — |
| 7 | Alcova Mortgage LLC | 77 | 2.7% | — |
| 8 | NEWREZ LLC | 72 | 2.5% | — |
| 9 | Atlantic Union Bank 73 out of 100, Strong | 59 | 2.1% | 23.3% |
| 10 | AMERIHOME MORTGAGE COMPANY, LLC | 57 | 2.0% | — |
| 11 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 53 | 1.8% | 14.1% |
| 12 | FREEDOM MORTGAGE CORPORATION | 52 | 1.8% | — |
| 13 | Beacon Credit Union, Incorporated | 49 | 1.7% | — |
| 14 | FREEDOM FIRST Federal Credit Union 64 out of 100, Moderate | 48 | 1.7% | 15.2% |
| 15 | Atlantic Coast Mortgage, LLC | 47 | 1.6% | — |
| 16 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 47 | 1.6% | — |
| 17 | Mortgage Research Center, LLC | 45 | 1.6% | — |
| 18 | Bank of America, National Association 59 out of 100, Moderate | 44 | 1.5% | 44.7% |
| 19 | Navy Federal Credit Union 66 out of 100, Moderate | 43 | 1.5% | 32.9% |
| 20 | Virginia Credit Union, Inc. | 41 | 1.4% | — |
| 21 | PLANET HOME LENDING, LLC | 38 | 1.3% | — |
| 22 | T2 FINANCIAL LLC | 38 | 1.3% | — |
| 23 | NATIONSTAR MORTGAGE LLC | 37 | 1.3% | — |
| 24 | FIGURE LENDING LLC | 34 | 1.2% | — |
| 25 | EMM LOANS LLC | 34 | 1.2% | — |
| 26 | NATION ONE MORTGAGE CORPORATION | 32 | 1.1% | — |
| 27 | FIRST BANCORP, INC. | 32 | 1.1% | — |
| 28 | VANDERBILT MORTGAGE AND FINANCE, INC. | 30 | 1.0% | — |
| 29 | SWBC MORTGAGE CORPORATION | 29 | 1.0% | — |
| 30 | Citizens Bank, National Association 54 out of 100, Below average | 28 | 1.0% | 32.5% |
| 31 | LOWER, LLC | 28 | 1.0% | — |
| 32 | Strategic Funding, LP | 28 | 1.0% | — |
| 33 | Commerce Home Mortgage, Inc. | 26 | 0.9% | — |
| 34 | Select Bank 59 out of 100, Moderate | 26 | 0.9% | 1.9% |
| 35 | Broker Solutions, Inc. | 25 | 0.9% | — |
| 36 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 24 | 0.8% | 22.5% |
| 37 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 23 | 0.8% | 22.2% |
| 38 | Coastal Community Bank 35 out of 100, Low | 23 | 0.8% | 3.0% |
| 39 | BLUE EAGLE CREDIT UNION 84 out of 100, Strong | 20 | 0.7% | 17.1% |
| 40 | AmeriSave Mortgage Corporation | 19 | 0.7% | — |
Top 40 of 246 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