Virginia · HMDA 2025
Mortgage lenders in Richmond County, VA
101 lenders reported 374 home-loan applications in Richmond County in 2025. 163 closed as loans ($33.3M), 70 were denied — a 28.9% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 26% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 374
- Loans originated
- 163
- Purchase / refinance
- 84 / 35
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Richmond County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 39 | 10.4% | — |
| 2 | Atlantic Union Bank 73 out of 100, Strong | 39 | 10.4% | 23.3% |
| 3 | United Bank 74 out of 100, Strong | 18 | 4.8% | 20.3% |
| 4 | PENNYMAC LOAN SERVICES, LLC | 16 | 4.3% | — |
| 5 | Rocket Mortgage, LLC | 14 | 3.7% | — |
| 6 | Navy Federal Credit Union 66 out of 100, Moderate | 9 | 2.4% | 32.9% |
| 7 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 9 | 2.4% | 14.1% |
| 8 | Citizens and Farmers Bank 75 out of 100, Strong | 9 | 2.4% | 27.4% |
| 9 | AMERIHOME MORTGAGE COMPANY, LLC | 8 | 2.1% | — |
| 10 | Broker Solutions, Inc. | 7 | 1.9% | — |
| 11 | Mortgage Research Center, LLC | 7 | 1.9% | — |
| 12 | Primis Bank | 7 | 1.9% | — |
| 13 | FREEDOM MORTGAGE CORPORATION | 7 | 1.9% | — |
| 14 | UNITED SHORE FINANCIAL SERVICES, LLC | 6 | 1.6% | — |
| 15 | TIDEWATER MORTGAGE SERVICES, INC. | 6 | 1.6% | — |
| 16 | C & F Mortgage Corporation | 6 | 1.6% | — |
| 17 | NATIONSTAR MORTGAGE LLC | 6 | 1.6% | — |
| 18 | NEWREZ LLC | 5 | 1.3% | — |
| 19 | MOVEMENT MORTGAGE, LLC | 5 | 1.3% | — |
| 20 | CROSSCOUNTRY MORTGAGE, INC. | 5 | 1.3% | — |
| 21 | FIGURE LENDING LLC | 5 | 1.3% | — |
| 22 | SOUTHWEST STAGE FUNDING, LLC | 5 | 1.3% | — |
| 23 | PLANET HOME LENDING, LLC | 5 | 1.3% | — |
| 24 | MUTUAL OF OMAHA MORTGAGE, INC. | 5 | 1.3% | — |
| 25 | VILLAGE CAPITAL & INVESTMENT LLC | 5 | 1.3% | — |
| 26 | Coastal Community Bank 35 out of 100, Low | 5 | 1.3% | 3.0% |
| 27 | Valon Mortgage, Inc. | 4 | 1.1% | — |
| 28 | Virginia Credit Union, Inc. | 4 | 1.1% | — |
| 29 | CMG MORTGAGE, INC. | 3 | 0.8% | — |
| 30 | Loandepot.Com, LLC | 3 | 0.8% | — |
| 31 | Discover Bank | 3 | 0.8% | — |
| 32 | GUARANTEED RATE, INC. | 3 | 0.8% | — |
| 33 | AmeriSave Mortgage Corporation | 3 | 0.8% | — |
| 34 | Atlantic Coast Mortgage, LLC | 3 | 0.8% | — |
| 35 | NFM, INC. | 3 | 0.8% | — |
| 36 | CAPITAL CENTER, L.L.C. | 3 | 0.8% | — |
| 37 | First National Bank of Pennsylvania 64 out of 100, Moderate | 3 | 0.8% | 26.6% |
| 38 | Citizens Bank, National Association 54 out of 100, Below average | 2 | 0.5% | 32.5% |
| 39 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 0.5% | 22.2% |
| 40 | PNC Bank, National Association 62 out of 100, Moderate | 2 | 0.5% | 33.8% |
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