Virginia · HMDA 2025
Mortgage lenders in Mecklenburg County, VA
179 lenders reported 1,293 home-loan applications in Mecklenburg County in 2025. 658 closed as loans ($162.5M), 214 were denied — a 23.4% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 23% of applications, led by Rocket Mortgage, LLC. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,293
- Loans originated
- 658
- Purchase / refinance
- 337 / 239
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Mecklenburg County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 115 | 8.9% | — |
| 2 | Benchmark Community Bank 75 out of 100, Strong | 107 | 8.3% | 9.1% |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 81 | 6.3% | — |
| 4 | NEWREZ LLC | 68 | 5.3% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 47 | 3.6% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 44 | 3.4% | — |
| 7 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 38 | 2.9% | 22.5% |
| 8 | Truist Bank 63 out of 100, Moderate | 34 | 2.6% | 40.8% |
| 9 | Virginia Credit Union, Inc. | 32 | 2.5% | — |
| 10 | Navy Federal Credit Union 66 out of 100, Moderate | 30 | 2.3% | 32.9% |
| 11 | CROSSCOUNTRY MORTGAGE, INC. | 28 | 2.2% | — |
| 12 | FREEDOM MORTGAGE CORPORATION | 27 | 2.1% | — |
| 13 | Mortgage Research Center, LLC | 24 | 1.9% | — |
| 14 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 23 | 1.8% | 14.1% |
| 15 | AMERICAN FINANCIAL RESOURCES, INC. | 20 | 1.5% | — |
| 16 | STATE EMPLOYEES' | 19 | 1.5% | — |
| 17 | EQUITY RESOURCES, INC. | 15 | 1.2% | — |
| 18 | Coastal Community Bank 35 out of 100, Low | 15 | 1.2% | 3.0% |
| 19 | Broker Solutions, Inc. | 14 | 1.1% | — |
| 20 | AmeriSave Mortgage Corporation | 14 | 1.1% | — |
| 21 | PLANET HOME LENDING, LLC | 13 | 1.0% | — |
| 22 | Citizens Bank and Trust Company 97 out of 100, Very strong | 13 | 1.0% | 16.3% |
| 23 | NATIONSTAR MORTGAGE LLC | 13 | 1.0% | — |
| 24 | Alcova Mortgage LLC | 13 | 1.0% | — |
| 25 | Loandepot.Com, LLC | 12 | 0.9% | — |
| 26 | FIGURE LENDING LLC | 12 | 0.9% | — |
| 27 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 12 | 0.9% | — |
| 28 | CARRINGTON MORTGAGE SERVICES, LLC | 12 | 0.9% | — |
| 29 | VILLAGE CAPITAL & INVESTMENT LLC | 12 | 0.9% | — |
| 30 | Bank of America, National Association 59 out of 100, Moderate | 11 | 0.9% | 44.7% |
| 31 | SPRING EQ, LLC | 10 | 0.8% | — |
| 32 | AMERIHOME MORTGAGE COMPANY, LLC | 10 | 0.8% | — |
| 33 | The Bank of Charlotte County 87 out of 100, Very strong | 10 | 0.8% | 16.4% |
| 34 | Discover Bank | 9 | 0.7% | — |
| 35 | FIRST BANK 67 out of 100, Moderate | 9 | 0.7% | 17.0% |
| 36 | LAKEVIEW LOAN SERVICING, LLC | 9 | 0.7% | — |
| 37 | C & F Mortgage Corporation | 8 | 0.6% | — |
| 38 | NFM, INC. | 8 | 0.6% | — |
| 39 | Presidential Bank, FSB 51 out of 100, Below average | 7 | 0.5% | 6.9% |
| 40 | 21st Mortgage Corporation | 6 | 0.5% | — |
Top 40 of 179 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