Virginia · HMDA 2025
Mortgage lenders in Orange County, VA
237 lenders reported 2,852 home-loan applications in Orange County in 2025. 1,425 closed as loans ($413.3M), 380 were denied — a 20.2% denial rate on decided applications, close to the Virginia rate of 20.2%. The three most active lenders handled 15% of applications, led by PENNYMAC LOAN SERVICES, LLC. 6 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,852
- Loans originated
- 1,425
- Purchase / refinance
- 784 / 392
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Orange County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | PENNYMAC LOAN SERVICES, LLC | 175 | 6.1% | — |
| 2 | Rocket Mortgage, LLC | 150 | 5.3% | — |
| 3 | UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC. | 115 | 4.0% | — |
| 4 | Navy Federal Credit Union 66 out of 100, Moderate | 108 | 3.8% | 32.9% |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 82 | 2.9% | — |
| 6 | NEWREZ LLC | 78 | 2.7% | — |
| 7 | Truist Bank 63 out of 100, Moderate | 77 | 2.7% | 40.8% |
| 8 | FREEDOM MORTGAGE CORPORATION | 77 | 2.7% | — |
| 9 | HOMEAMERICAN MORTGAGE CORPORATION | 77 | 2.7% | — |
| 10 | NVR Mortgage Finance, Inc. | 76 | 2.7% | — |
| 11 | Mortgage Research Center, LLC | 69 | 2.4% | — |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 65 | 2.3% | 14.1% |
| 13 | Atlantic Union Bank 73 out of 100, Strong | 65 | 2.3% | 23.3% |
| 14 | MOVEMENT MORTGAGE, LLC | 59 | 2.1% | — |
| 15 | VANDERBILT MORTGAGE AND FINANCE, INC. | 58 | 2.0% | — |
| 16 | Atlantic Coast Mortgage, LLC | 57 | 2.0% | — |
| 17 | NATIONSTAR MORTGAGE LLC | 54 | 1.9% | — |
| 18 | AMERIHOME MORTGAGE COMPANY, LLC | 52 | 1.8% | — |
| 19 | Bank of America, National Association 59 out of 100, Moderate | 50 | 1.8% | 44.7% |
| 20 | First Heritage Mortgage, LLC | 50 | 1.8% | — |
| 21 | K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 46 | 1.6% | — |
| 22 | CMG MORTGAGE, INC. | 43 | 1.5% | — |
| 23 | Fairway Independent Mortgage Corporation | 37 | 1.3% | — |
| 24 | PLANET HOME LENDING, LLC | 37 | 1.3% | — |
| 25 | PHH Mortgage Corporation | 34 | 1.2% | — |
| 26 | FIGURE LENDING LLC | 28 | 1.0% | — |
| 27 | CROSSCOUNTRY MORTGAGE, INC. | 27 | 0.9% | — |
| 28 | NFM, INC. | 25 | 0.9% | — |
| 29 | Alcova Mortgage LLC | 25 | 0.9% | — |
| 30 | Virginia Credit Union, Inc. | 25 | 0.9% | — |
| 31 | SPRING EQ, LLC | 24 | 0.8% | — |
| 32 | VILLAGE CAPITAL & INVESTMENT LLC | 23 | 0.8% | — |
| 33 | TIDEWATER MORTGAGE SERVICES, INC. | 21 | 0.7% | — |
| 34 | Prosperity Home Mortgage, LLC | 21 | 0.7% | — |
| 35 | Broker Solutions, Inc. | 20 | 0.7% | — |
| 36 | AmeriSave Mortgage Corporation | 20 | 0.7% | — |
| 37 | Loandepot.Com, LLC | 19 | 0.7% | — |
| 38 | GUARANTEED RATE, INC. | 19 | 0.7% | — |
| 39 | PNC Bank, National Association 62 out of 100, Moderate | 19 | 0.7% | 33.8% |
| 40 | SUMMIT FUNDING, INC. | 17 | 0.6% | — |
Top 40 of 237 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