Virginia · HMDA 2025
Mortgage lenders in Richmond city, VA
370 lenders reported 7,953 home-loan applications in Richmond city in 2025. 4,261 closed as loans ($1.6B), 1,027 were denied — a 18.7% denial rate on decided applications, below the Virginia rate of 20.2%. The three most active lenders handled 13% of applications, led by Virginia Credit Union, Inc.. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 7,953
- Loans originated
- 4,261
- Purchase / refinance
- 2,383 / 1,155
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Richmond city
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Virginia Credit Union, Inc. | 381 | 4.8% | — |
| 2 | Rocket Mortgage, LLC | 350 | 4.4% | — |
| 3 | Truist Bank 63 out of 100, Moderate | 341 | 4.3% | 40.8% |
| 4 | PENNYMAC LOAN SERVICES, LLC | 319 | 4.0% | — |
| 5 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 297 | 3.7% | 14.1% |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 288 | 3.6% | — |
| 7 | Bank of America, National Association 59 out of 100, Moderate | 233 | 2.9% | 44.7% |
| 8 | NEWREZ LLC | 197 | 2.5% | — |
| 9 | CAPITAL CENTER, L.L.C. | 195 | 2.5% | — |
| 10 | Navy Federal Credit Union 66 out of 100, Moderate | 174 | 2.2% | 32.9% |
| 11 | Atlantic Union Bank 73 out of 100, Strong | 151 | 1.9% | 23.3% |
| 12 | AMERIHOME MORTGAGE COMPANY, LLC | 146 | 1.8% | — |
| 13 | Kiavi Funding, Inc. | 142 | 1.8% | — |
| 14 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 139 | 1.7% | — |
| 15 | Towne Bank 74 out of 100, Strong | 138 | 1.7% | 6.6% |
| 16 | United Bank 74 out of 100, Strong | 134 | 1.7% | 20.3% |
| 17 | C & F Mortgage Corporation | 112 | 1.4% | — |
| 18 | Prosperity Home Mortgage, LLC | 107 | 1.3% | — |
| 19 | MOVEMENT MORTGAGE, LLC | 103 | 1.3% | — |
| 20 | First Heritage Mortgage, LLC | 103 | 1.3% | — |
| 21 | FREEDOM MORTGAGE CORPORATION | 86 | 1.1% | — |
| 22 | Fulton Bank, National Association 65 out of 100, Moderate | 85 | 1.1% | 23.0% |
| 23 | NATIONSTAR MORTGAGE LLC | 83 | 1.0% | — |
| 24 | NFM, INC. | 83 | 1.0% | — |
| 25 | First National Bank of Pennsylvania 64 out of 100, Moderate | 80 | 1.0% | 26.6% |
| 26 | LENDINGONE, LLC | 78 | 1.0% | — |
| 27 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 75 | 0.9% | 22.2% |
| 28 | CROSSCOUNTRY MORTGAGE, INC. | 73 | 0.9% | — |
| 29 | Mortgage Research Center, LLC | 62 | 0.8% | — |
| 30 | SPRING EQ, LLC | 60 | 0.8% | — |
| 31 | Broker Solutions, Inc. | 58 | 0.7% | — |
| 32 | AmeriSave Mortgage Corporation | 57 | 0.7% | — |
| 33 | Loandepot.Com, LLC | 55 | 0.7% | — |
| 34 | FIGURE LENDING LLC | 55 | 0.7% | — |
| 35 | Coastal Community Bank 35 out of 100, Low | 55 | 0.7% | 3.0% |
| 36 | CMG MORTGAGE, INC. | 54 | 0.7% | — |
| 37 | LANGLEY Federal Credit Union 54 out of 100, Below average | 53 | 0.7% | 21.7% |
| 38 | Citizens Bank, National Association 54 out of 100, Below average | 52 | 0.7% | 32.5% |
| 39 | U.S. Bank National Association 55 out of 100, Moderate | 49 | 0.6% | 39.5% |
| 40 | AMERICAN FINANCIAL NETWORK, INC. | 49 | 0.6% | — |
Top 40 of 370 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
- Newport News city 7,787 apps
- Hampton city 7,582 apps