Virginia · HMDA 2025
Mortgage lenders in Madison County, VA
144 lenders reported 670 home-loan applications in Madison County in 2025. 324 closed as loans ($94.4M), 114 were denied — a 25.1% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 21% of applications, led by UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC.. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 670
- Loans originated
- 324
- Purchase / refinance
- 150 / 97
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Madison County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC. | 53 | 7.9% | — |
| 2 | Atlantic Union Bank 73 out of 100, Strong | 50 | 7.5% | 23.3% |
| 3 | Rocket Mortgage, LLC | 36 | 5.4% | — |
| 4 | Fulton Bank, National Association 65 out of 100, Moderate | 31 | 4.6% | 23.0% |
| 5 | PENNYMAC LOAN SERVICES, LLC | 24 | 3.6% | — |
| 6 | Truist Bank 63 out of 100, Moderate | 17 | 2.5% | 40.8% |
| 7 | NEWREZ LLC | 16 | 2.4% | — |
| 8 | Navy Federal Credit Union 66 out of 100, Moderate | 15 | 2.2% | 32.9% |
| 9 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 14 | 2.1% | 14.1% |
| 10 | Mortgage Research Center, LLC | 14 | 2.1% | — |
| 11 | VANDERBILT MORTGAGE AND FINANCE, INC. | 13 | 1.9% | — |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 12 | 1.8% | — |
| 13 | SPRING EQ, LLC | 12 | 1.8% | — |
| 14 | GUARANTEED RATE, INC. | 11 | 1.6% | — |
| 15 | FIGURE LENDING LLC | 11 | 1.6% | — |
| 16 | FREEDOM MORTGAGE CORPORATION | 11 | 1.6% | — |
| 17 | CMG MORTGAGE, INC. | 10 | 1.5% | — |
| 18 | NATIONSTAR MORTGAGE LLC | 10 | 1.5% | — |
| 19 | Atlantic Coast Mortgage, LLC | 9 | 1.3% | — |
| 20 | Integrity Home Mortgage Corporation | 9 | 1.3% | — |
| 21 | EMBRACE HOME LOANS, INC. | 9 | 1.3% | — |
| 22 | Loandepot.Com, LLC | 8 | 1.2% | — |
| 23 | NFM, INC. | 8 | 1.2% | — |
| 24 | NEW DAY FINANCIAL, LLC | 8 | 1.2% | — |
| 25 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 7 | 1.0% | 22.2% |
| 26 | MOVEMENT MORTGAGE, LLC | 7 | 1.0% | — |
| 27 | PNC Bank, National Association 62 out of 100, Moderate | 7 | 1.0% | 33.8% |
| 28 | Bank of America, National Association 59 out of 100, Moderate | 7 | 1.0% | 44.7% |
| 29 | PLANET HOME LENDING, LLC | 7 | 1.0% | — |
| 30 | Prosperity Home Mortgage, LLC | 7 | 1.0% | — |
| 31 | Equity Prime Mortgage LLC | 7 | 1.0% | — |
| 32 | Citizens Bank, National Association 54 out of 100, Below average | 6 | 0.9% | 32.5% |
| 33 | AMERICAN FINANCING CORPORATION | 6 | 0.9% | — |
| 34 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 6 | 0.9% | 22.5% |
| 35 | ROSS MORTGAGE CORPORATION | 5 | 0.7% | — |
| 36 | C & F Mortgage Corporation | 5 | 0.7% | — |
| 37 | Alcova Mortgage LLC | 5 | 0.7% | — |
| 38 | VILLAGE CAPITAL & INVESTMENT LLC | 5 | 0.7% | — |
| 39 | Broker Solutions, Inc. | 4 | 0.6% | — |
| 40 | AmeriSave Mortgage Corporation | 4 | 0.6% | — |
Top 40 of 144 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