Virginia · HMDA 2025
Mortgage lenders in Nelson County, VA
176 lenders reported 833 home-loan applications in Nelson County in 2025. 436 closed as loans ($131.2M), 140 were denied — a 23.5% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 18% of applications, led by UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC.. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 833
- Loans originated
- 436
- Purchase / refinance
- 226 / 137
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Nelson County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC. | 66 | 7.9% | — |
| 2 | Rocket Mortgage, LLC | 46 | 5.5% | — |
| 3 | Truist Bank 63 out of 100, Moderate | 40 | 4.8% | 40.8% |
| 4 | PENNYMAC LOAN SERVICES, LLC | 39 | 4.7% | — |
| 5 | Atlantic Union Bank 73 out of 100, Strong | 35 | 4.2% | 23.3% |
| 6 | VANDERBILT MORTGAGE AND FINANCE, INC. | 31 | 3.7% | — |
| 7 | Ixonia Bank 67 out of 100, Moderate | 23 | 2.8% | 4.7% |
| 8 | NEWREZ LLC | 20 | 2.4% | — |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 19 | 2.3% | — |
| 10 | MOVEMENT MORTGAGE, LLC | 18 | 2.2% | — |
| 11 | CROSSCOUNTRY MORTGAGE, INC. | 18 | 2.2% | — |
| 12 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 18 | 2.2% | — |
| 13 | Navy Federal Credit Union 66 out of 100, Moderate | 16 | 1.9% | 32.9% |
| 14 | AMERIHOME MORTGAGE COMPANY, LLC | 16 | 1.9% | — |
| 15 | Bank of America, National Association 59 out of 100, Moderate | 14 | 1.7% | 44.7% |
| 16 | CAPITAL CENTER, L.L.C. | 14 | 1.7% | — |
| 17 | Alcova Mortgage LLC | 11 | 1.3% | — |
| 18 | DuPont Community Federally Insured State-Chartered Credit Union | 10 | 1.2% | — |
| 19 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 9 | 1.1% | 14.1% |
| 20 | Loandepot.Com, LLC | 9 | 1.1% | — |
| 21 | FIGURE LENDING LLC | 9 | 1.1% | — |
| 22 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 8 | 1.0% | 22.2% |
| 23 | AmeriSave Mortgage Corporation | 8 | 1.0% | — |
| 24 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 8 | 1.0% | 22.5% |
| 25 | Fulton Bank, National Association 65 out of 100, Moderate | 8 | 1.0% | 23.0% |
| 26 | Atlantic Coast Mortgage, LLC | 7 | 0.8% | — |
| 27 | United Bank 74 out of 100, Strong | 7 | 0.8% | 20.3% |
| 28 | SOUTHWEST STAGE FUNDING, LLC | 6 | 0.7% | — |
| 29 | FIRST BANCORP, INC. | 6 | 0.7% | — |
| 30 | VILLAGE CAPITAL & INVESTMENT LLC | 6 | 0.7% | — |
| 31 | BETTER MORTGAGE CORPORATION | 6 | 0.7% | — |
| 32 | USAA Federal Savings Bank 64 out of 100, Moderate | 6 | 0.7% | 37.2% |
| 33 | 21st Mortgage Corporation | 5 | 0.6% | — |
| 34 | Fairway Independent Mortgage Corporation | 5 | 0.6% | — |
| 35 | SPRING EQ, LLC | 5 | 0.6% | — |
| 36 | Waterstone Mortgage Corporation | 5 | 0.6% | — |
| 37 | GUARANTEED RATE, INC. | 4 | 0.5% | — |
| 38 | GUILD MORTGAGE COMPANY | 4 | 0.5% | — |
| 39 | Mortgage Research Center, LLC | 4 | 0.5% | — |
| 40 | Towne Bank 74 out of 100, Strong | 4 | 0.5% | 6.6% |
Top 40 of 176 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