Virginia · HMDA 2025
Mortgage lenders in Montgomery County, VA
234 lenders reported 2,878 home-loan applications in Montgomery County in 2025. 1,576 closed as loans ($455.8M), 351 were denied — a 17.4% denial rate on decided applications, below the Virginia rate of 20.2%. The three most active lenders handled 14% of applications, led by FREEDOM FIRST Federal Credit Union. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,878
- Loans originated
- 1,576
- Purchase / refinance
- 883 / 391
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Montgomery County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | FREEDOM FIRST Federal Credit Union 64 out of 100, Moderate | 153 | 5.3% | 15.2% |
| 2 | Alcova Mortgage LLC | 136 | 4.7% | — |
| 3 | Rocket Mortgage, LLC | 108 | 3.8% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 107 | 3.7% | — |
| 5 | Atlantic Union Bank 73 out of 100, Strong | 104 | 3.6% | 23.3% |
| 6 | VANDERBILT MORTGAGE AND FINANCE, INC. | 102 | 3.5% | — |
| 7 | MOVEMENT MORTGAGE, LLC | 93 | 3.2% | — |
| 8 | Virginia Credit Union, Inc. | 85 | 3.0% | — |
| 9 | NEWREZ LLC | 81 | 2.8% | — |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLC | 81 | 2.8% | — |
| 11 | Prosperity Home Mortgage, LLC | 80 | 2.8% | — |
| 12 | Truist Bank 63 out of 100, Moderate | 78 | 2.7% | 40.8% |
| 13 | NATIONAL BANKSHARES, INC. 70 out of 100, Strong | 76 | 2.6% | 3.1% |
| 14 | CALCON MUTUAL MORTGAGE LLC | 74 | 2.6% | — |
| 15 | First Heritage Mortgage, LLC | 72 | 2.5% | — |
| 16 | FIRST BANCORP, INC. | 67 | 2.3% | — |
| 17 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 64 | 2.2% | — |
| 18 | NATIONSTAR MORTGAGE LLC | 57 | 2.0% | — |
| 19 | AMERIHOME MORTGAGE COMPANY, LLC | 55 | 1.9% | — |
| 20 | CMG MORTGAGE, INC. | 47 | 1.6% | — |
| 21 | SKYLINE NATIONAL BANK 66 out of 100, Moderate | 46 | 1.6% | 5.7% |
| 22 | Waterstone Mortgage Corporation | 45 | 1.6% | — |
| 23 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 43 | 1.5% | 14.1% |
| 24 | Navy Federal Credit Union 66 out of 100, Moderate | 42 | 1.5% | 32.9% |
| 25 | FREEDOM MORTGAGE CORPORATION | 42 | 1.5% | — |
| 26 | Truliant Federal Credit Union 67 out of 100, Moderate | 39 | 1.4% | 50.3% |
| 27 | FIGURE LENDING LLC | 36 | 1.3% | — |
| 28 | Bank of America, National Association 59 out of 100, Moderate | 26 | 0.9% | 44.7% |
| 29 | LAKEVIEW LOAN SERVICING, LLC | 26 | 0.9% | — |
| 30 | U.S. Bank National Association 55 out of 100, Moderate | 23 | 0.8% | 39.5% |
| 31 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 22 | 0.8% | 22.5% |
| 32 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 20 | 0.7% | 22.2% |
| 33 | Citizens Bank, National Association 54 out of 100, Below average | 19 | 0.7% | 32.5% |
| 34 | SPRING EQ, LLC | 19 | 0.7% | — |
| 35 | PHH Mortgage Corporation | 19 | 0.7% | — |
| 36 | Loandepot.Com, LLC | 18 | 0.6% | — |
| 37 | Discover Bank | 17 | 0.6% | — |
| 38 | Mortgage Research Center, LLC | 16 | 0.6% | — |
| 39 | CARRINGTON MORTGAGE SERVICES, LLC | 16 | 0.6% | — |
| 40 | Broker Solutions, Inc. | 15 | 0.5% | — |
Top 40 of 234 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