Virginia · HMDA 2025
Mortgage lenders in Middlesex County, VA
133 lenders reported 704 home-loan applications in Middlesex County in 2025. 355 closed as loans ($96.3M), 112 were denied — a 23.4% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 15% of applications, led by PENNYMAC LOAN SERVICES, LLC. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 704
- Loans originated
- 355
- Purchase / refinance
- 186 / 116
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Middlesex County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | PENNYMAC LOAN SERVICES, LLC | 40 | 5.7% | — |
| 2 | Rocket Mortgage, LLC | 34 | 4.8% | — |
| 3 | Primis Bank | 30 | 4.3% | — |
| 4 | MOVEMENT MORTGAGE, LLC | 26 | 3.7% | — |
| 5 | Citizens and Farmers Bank 75 out of 100, Strong | 26 | 3.7% | 27.4% |
| 6 | Truist Bank 63 out of 100, Moderate | 25 | 3.6% | 40.8% |
| 7 | VANDERBILT MORTGAGE AND FINANCE, INC. | 25 | 3.6% | — |
| 8 | NVR Mortgage Finance, Inc. | 22 | 3.1% | — |
| 9 | LANGLEY Federal Credit Union 54 out of 100, Below average | 20 | 2.8% | 21.7% |
| 10 | C & F Mortgage Corporation | 20 | 2.8% | — |
| 11 | UNITED SHORE FINANCIAL SERVICES, LLC | 16 | 2.3% | — |
| 12 | Mortgage Research Center, LLC | 16 | 2.3% | — |
| 13 | NEWREZ LLC | 15 | 2.1% | — |
| 14 | Chesapeake Bank 81 out of 100, Strong | 14 | 2.0% | 19.4% |
| 15 | AMERIHOME MORTGAGE COMPANY, LLC | 14 | 2.0% | — |
| 16 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 12 | 1.7% | 14.1% |
| 17 | CROSSCOUNTRY MORTGAGE, INC. | 11 | 1.6% | — |
| 18 | FIGURE LENDING LLC | 10 | 1.4% | — |
| 19 | 1ST ADVANTAGE FEDERAL CREDIT UNION 90 out of 100, Very strong | 10 | 1.4% | 28.0% |
| 20 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 10 | 1.4% | — |
| 21 | AmeriSave Mortgage Corporation | 9 | 1.3% | — |
| 22 | Bank of America, National Association 59 out of 100, Moderate | 9 | 1.3% | 44.7% |
| 23 | TIDEWATER MORTGAGE SERVICES, INC. | 9 | 1.3% | — |
| 24 | NATIONSTAR MORTGAGE LLC | 9 | 1.3% | — |
| 25 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 9 | 1.3% | — |
| 26 | Virginia Credit Union, Inc. | 9 | 1.3% | — |
| 27 | Atlantic Union Bank 73 out of 100, Strong | 7 | 1.0% | 23.3% |
| 28 | CAPITAL CENTER, L.L.C. | 7 | 1.0% | — |
| 29 | Broker Solutions, Inc. | 6 | 0.9% | — |
| 30 | Discover Bank | 6 | 0.9% | — |
| 31 | FREEDOM MORTGAGE CORPORATION | 6 | 0.9% | — |
| 32 | United Bank 74 out of 100, Strong | 6 | 0.9% | 20.3% |
| 33 | Navy Federal Credit Union 66 out of 100, Moderate | 5 | 0.7% | 32.9% |
| 34 | SPRING EQ, LLC | 5 | 0.7% | — |
| 35 | First Heritage Mortgage, LLC | 5 | 0.7% | — |
| 36 | Equity Prime Mortgage LLC | 5 | 0.7% | — |
| 37 | NFM, INC. | 5 | 0.7% | — |
| 38 | CHARTWAY FEDERAL CREDIT UNION 50 out of 100, Below average | 5 | 0.7% | 31.3% |
| 39 | MUTUAL OF OMAHA MORTGAGE, INC. | 5 | 0.7% | — |
| 40 | NEW DAY FINANCIAL, LLC | 5 | 0.7% | — |
Top 40 of 133 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