Virginia · HMDA 2025
Mortgage lenders in Rappahannock County, VA
101 lenders reported 317 home-loan applications in Rappahannock County in 2025. 165 closed as loans ($71.8M), 44 were denied — a 20.4% denial rate on decided applications, close to the Virginia rate of 20.2%. The three most active lenders handled 19% of applications, led by Atlantic Union Bank. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 317
- Loans originated
- 165
- Purchase / refinance
- 68 / 55
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Rappahannock County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Atlantic Union Bank 73 out of 100, Strong | 27 | 8.5% | 23.3% |
| 2 | Truist Bank 63 out of 100, Moderate | 17 | 5.4% | 40.8% |
| 3 | Rocket Mortgage, LLC | 15 | 4.7% | — |
| 4 | Navy Federal Credit Union 66 out of 100, Moderate | 14 | 4.4% | 32.9% |
| 5 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 12 | 3.8% | 14.1% |
| 6 | UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC. | 10 | 3.2% | — |
| 7 | Oak View National Bank | 10 | 3.2% | — |
| 8 | NEWREZ LLC | 9 | 2.8% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 8 | 2.5% | — |
| 10 | PNC Bank, National Association 62 out of 100, Moderate | 8 | 2.5% | 33.8% |
| 11 | Mortgage Research Center, LLC | 7 | 2.2% | — |
| 12 | AmeriSave Mortgage Corporation | 6 | 1.9% | — |
| 13 | AMERIHOME MORTGAGE COMPANY, LLC | 6 | 1.9% | — |
| 14 | FIGURE LENDING LLC | 6 | 1.9% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 6 | 1.9% | — |
| 16 | CMG MORTGAGE, INC. | 5 | 1.6% | — |
| 17 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 5 | 1.6% | 22.2% |
| 18 | Loandepot.Com, LLC | 5 | 1.6% | — |
| 19 | SPRING EQ, LLC | 5 | 1.6% | — |
| 20 | Fulton Bank, National Association 65 out of 100, Moderate | 5 | 1.6% | 23.0% |
| 21 | UNITED SHORE FINANCIAL SERVICES, LLC | 4 | 1.3% | — |
| 22 | Broker Solutions, Inc. | 4 | 1.3% | — |
| 23 | GUARANTEED RATE, INC. | 4 | 1.3% | — |
| 24 | GUILD MORTGAGE COMPANY | 4 | 1.3% | — |
| 25 | CROSSCOUNTRY MORTGAGE, INC. | 4 | 1.3% | — |
| 26 | Farm Credit of the Virginias, ACA | 4 | 1.3% | — |
| 27 | ENVOY MORTGAGE, LTD | 4 | 1.3% | — |
| 28 | Citibank, National Association 60 out of 100, Moderate | 4 | 1.3% | 24.0% |
| 29 | Citizens Bank, National Association 54 out of 100, Below average | 3 | 0.9% | 32.5% |
| 30 | MOVEMENT MORTGAGE, LLC | 3 | 0.9% | — |
| 31 | U.S. Bank National Association 55 out of 100, Moderate | 3 | 0.9% | 39.5% |
| 32 | Atlantic Coast Mortgage, LLC | 3 | 0.9% | — |
| 33 | NATIONSTAR MORTGAGE LLC | 3 | 0.9% | — |
| 34 | CARRINGTON MORTGAGE SERVICES, LLC | 3 | 0.9% | — |
| 35 | PHH Mortgage Corporation | 3 | 0.9% | — |
| 36 | Discover Bank | 2 | 0.6% | — |
| 37 | PLANET HOME LENDING, LLC | 2 | 0.6% | — |
| 38 | Prosperity Home Mortgage, LLC | 2 | 0.6% | — |
| 39 | FINANCE OF AMERICA REVERSE LLC | 2 | 0.6% | — |
| 40 | First Heritage Mortgage, LLC | 2 | 0.6% | — |
Top 40 of 101 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