Virginia · HMDA 2025
Mortgage lenders in Patrick County, VA
124 lenders reported 583 home-loan applications in Patrick County in 2025. 256 closed as loans ($49.9M), 133 were denied — a 32.4% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 21% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 583
- Loans originated
- 256
- Purchase / refinance
- 133 / 68
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Patrick County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 43 | 7.4% | — |
| 2 | Rocket Mortgage, LLC | 41 | 7.0% | — |
| 3 | Alcova Mortgage LLC | 38 | 6.5% | — |
| 4 | Truist Bank 63 out of 100, Moderate | 24 | 4.1% | 40.8% |
| 5 | ValleyStar Credit Union 45 out of 100, Below average | 21 | 3.6% | 51.4% |
| 6 | First Community Bank 75 out of 100, Strong | 18 | 3.1% | 30.8% |
| 7 | Carter Bank & Trust 76 out of 100, Strong | 17 | 2.9% | 28.0% |
| 8 | PENNYMAC LOAN SERVICES, LLC | 16 | 2.7% | — |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 15 | 2.6% | — |
| 10 | NEWREZ LLC | 13 | 2.2% | — |
| 11 | The Fidelity Bank 78 out of 100, Strong | 13 | 2.2% | 14.7% |
| 12 | AmeriSave Mortgage Corporation | 12 | 2.1% | — |
| 13 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 12 | 2.1% | — |
| 14 | STATE EMPLOYEES' | 11 | 1.9% | — |
| 15 | Mortgage Research Center, LLC | 10 | 1.7% | — |
| 16 | FREEDOM MORTGAGE CORPORATION | 9 | 1.5% | — |
| 17 | SKYLINE NATIONAL BANK 66 out of 100, Moderate | 8 | 1.4% | 5.7% |
| 18 | First Horizon Bank 64 out of 100, Moderate | 8 | 1.4% | 25.4% |
| 19 | MOVEMENT MORTGAGE, LLC | 7 | 1.2% | — |
| 20 | AMERIHOME MORTGAGE COMPANY, LLC | 7 | 1.2% | — |
| 21 | USAA Federal Savings Bank 64 out of 100, Moderate | 7 | 1.2% | 37.2% |
| 22 | Navy Federal Credit Union 66 out of 100, Moderate | 6 | 1.0% | 32.9% |
| 23 | Loandepot.Com, LLC | 6 | 1.0% | — |
| 24 | PNC Bank, National Association 62 out of 100, Moderate | 6 | 1.0% | 33.8% |
| 25 | FIGURE LENDING LLC | 6 | 1.0% | — |
| 26 | SOUTHWEST STAGE FUNDING, LLC | 6 | 1.0% | — |
| 27 | NATIONSTAR MORTGAGE LLC | 6 | 1.0% | — |
| 28 | Coastal Community Bank 35 out of 100, Low | 6 | 1.0% | 3.0% |
| 29 | SPRING EQ, LLC | 5 | 0.9% | — |
| 30 | Atlantic Coast Mortgage, LLC | 5 | 0.9% | — |
| 31 | C & F Mortgage Corporation | 5 | 0.9% | — |
| 32 | MUTUAL OF OMAHA MORTGAGE, INC. | 5 | 0.9% | — |
| 33 | Waterstone Mortgage Corporation | 5 | 0.9% | — |
| 34 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 4 | 0.7% | 14.1% |
| 35 | Citizens Bank, National Association 54 out of 100, Below average | 4 | 0.7% | 32.5% |
| 36 | Broker Solutions, Inc. | 4 | 0.7% | — |
| 37 | Bank of America, National Association 59 out of 100, Moderate | 4 | 0.7% | 44.7% |
| 38 | AMERICAN FINANCIAL RESOURCES, INC. | 4 | 0.7% | — |
| 39 | SOFI BANK, NATIONAL ASSOCIATION | 4 | 0.7% | — |
| 40 | LAKEVIEW LOAN SERVICING, LLC | 4 | 0.7% | — |
Top 40 of 124 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
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- Spotsylvania County 9,422 apps
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