Virginia · HMDA 2025
Mortgage lenders in Northumberland County, VA
164 lenders reported 904 home-loan applications in Northumberland County in 2025. 415 closed as loans ($119.3M), 141 were denied — a 24.2% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 18% of applications, led by Rocket Mortgage, LLC. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 904
- Loans originated
- 415
- Purchase / refinance
- 201 / 140
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Northumberland County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 66 | 7.3% | — |
| 2 | Primis Bank | 52 | 5.8% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 49 | 5.4% | — |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 47 | 5.2% | — |
| 5 | United Bank 74 out of 100, Strong | 34 | 3.8% | 20.3% |
| 6 | Navy Federal Credit Union 66 out of 100, Moderate | 31 | 3.4% | 32.9% |
| 7 | Atlantic Union Bank 73 out of 100, Strong | 27 | 3.0% | 23.3% |
| 8 | FREEDOM MORTGAGE CORPORATION | 25 | 2.8% | — |
| 9 | C & F Mortgage Corporation | 21 | 2.3% | — |
| 10 | NEWREZ LLC | 20 | 2.2% | — |
| 11 | UNITED SHORE FINANCIAL SERVICES, LLC | 20 | 2.2% | — |
| 12 | Truist Bank 63 out of 100, Moderate | 17 | 1.9% | 40.8% |
| 13 | CAPITAL CENTER, L.L.C. | 17 | 1.9% | — |
| 14 | Chesapeake Bank 81 out of 100, Strong | 16 | 1.8% | 19.4% |
| 15 | Mortgage Research Center, LLC | 14 | 1.5% | — |
| 16 | Bank of America, National Association 59 out of 100, Moderate | 13 | 1.4% | 44.7% |
| 17 | MOVEMENT MORTGAGE, LLC | 12 | 1.3% | — |
| 18 | Towne Bank 74 out of 100, Strong | 12 | 1.3% | 6.6% |
| 19 | FIGURE LENDING LLC | 11 | 1.2% | — |
| 20 | CROSSCOUNTRY MORTGAGE, INC. | 10 | 1.1% | — |
| 21 | AMERIHOME MORTGAGE COMPANY, LLC | 10 | 1.1% | — |
| 22 | Loandepot.Com, LLC | 9 | 1.0% | — |
| 23 | AMERICAN FINANCIAL RESOURCES, INC. | 9 | 1.0% | — |
| 24 | Atlantic Coast Mortgage, LLC | 9 | 1.0% | — |
| 25 | NFM, INC. | 9 | 1.0% | — |
| 26 | Virginia Credit Union, Inc. | 9 | 1.0% | — |
| 27 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 8 | 0.9% | 14.1% |
| 28 | Broker Solutions, Inc. | 8 | 0.9% | — |
| 29 | Coastal Community Bank 35 out of 100, Low | 8 | 0.9% | 3.0% |
| 30 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 7 | 0.8% | 22.2% |
| 31 | CHARTWAY FEDERAL CREDIT UNION 50 out of 100, Below average | 7 | 0.8% | 31.3% |
| 32 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 7 | 0.8% | — |
| 33 | Citizens Bank, National Association 54 out of 100, Below average | 6 | 0.7% | 32.5% |
| 34 | AmeriSave Mortgage Corporation | 6 | 0.7% | — |
| 35 | U.S. Bank National Association 55 out of 100, Moderate | 6 | 0.7% | 39.5% |
| 36 | PLANET HOME LENDING, LLC | 6 | 0.7% | — |
| 37 | NATIONSTAR MORTGAGE LLC | 6 | 0.7% | — |
| 38 | MUTUAL OF OMAHA MORTGAGE, INC. | 6 | 0.7% | — |
| 39 | USAA Federal Savings Bank 64 out of 100, Moderate | 6 | 0.7% | 37.2% |
| 40 | Discover Bank | 5 | 0.6% | — |
Top 40 of 164 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