Virginia · HMDA 2025
Mortgage lenders in Scott County, VA
102 lenders reported 598 home-loan applications in Scott County in 2025. 265 closed as loans ($46.9M), 134 were denied — a 32.2% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 38% of applications, led by EASTMAN CREDIT UNION. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 598
- Loans originated
- 265
- Purchase / refinance
- 138 / 72
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Scott County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | EASTMAN CREDIT UNION 91 out of 100, Very strong | 139 | 23.2% | 26.9% |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 60 | 10.0% | — |
| 3 | Rocket Mortgage, LLC | 26 | 4.3% | — |
| 4 | 21st Mortgage Corporation | 19 | 3.2% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 17 | 2.8% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 17 | 2.8% | — |
| 7 | Mortgage Research Center, LLC | 15 | 2.5% | — |
| 8 | MOVEMENT MORTGAGE, LLC | 14 | 2.3% | — |
| 9 | FIRST BANCORP, INC. | 11 | 1.8% | — |
| 10 | MORTGAGE INVESTORS GROUP, INC. | 11 | 1.8% | — |
| 11 | Truist Bank 63 out of 100, Moderate | 10 | 1.7% | 40.8% |
| 12 | CROSSCOUNTRY MORTGAGE, INC. | 10 | 1.7% | — |
| 13 | FREEDOM MORTGAGE CORPORATION | 10 | 1.7% | — |
| 14 | Appalachian Community Federal Credit Union 70 out of 100, Strong | 9 | 1.5% | 11.5% |
| 15 | NEWREZ LLC | 8 | 1.3% | — |
| 16 | THE BANK OF MARION 71 out of 100, Strong | 8 | 1.3% | 11.9% |
| 17 | Farm Credit of the Virginias, ACA | 8 | 1.3% | — |
| 18 | PLANET HOME LENDING, LLC | 8 | 1.3% | — |
| 19 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 7 | 1.2% | 14.1% |
| 20 | SOUTHWEST STAGE FUNDING, LLC | 7 | 1.2% | — |
| 21 | NATIONSTAR MORTGAGE LLC | 7 | 1.2% | — |
| 22 | Navy Federal Credit Union 66 out of 100, Moderate | 6 | 1.0% | 32.9% |
| 23 | Broker Solutions, Inc. | 6 | 1.0% | — |
| 24 | AmeriSave Mortgage Corporation | 6 | 1.0% | — |
| 25 | New Peoples Bank, Inc. 76 out of 100, Strong | 6 | 1.0% | 5.9% |
| 26 | NEW DAY FINANCIAL, LLC | 6 | 1.0% | — |
| 27 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 6 | 1.0% | 74.7% |
| 28 | EVERETT FINANCIAL, INC. | 6 | 1.0% | — |
| 29 | GUILD MORTGAGE COMPANY | 5 | 0.8% | — |
| 30 | Powell Valley National Bank 78 out of 100, Strong | 5 | 0.8% | 15.0% |
| 31 | Farmers and Miners Bank | 5 | 0.8% | — |
| 32 | ROSS MORTGAGE CORPORATION | 5 | 0.8% | — |
| 33 | Bank of America, National Association 59 out of 100, Moderate | 4 | 0.7% | 44.7% |
| 34 | FIGURE LENDING LLC | 4 | 0.7% | — |
| 35 | Bank of Tennessee 67 out of 100, Moderate | 4 | 0.7% | 16.3% |
| 36 | CARRINGTON MORTGAGE SERVICES, LLC | 4 | 0.7% | — |
| 37 | VILLAGE CAPITAL & INVESTMENT LLC | 4 | 0.7% | — |
| 38 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | 0.7% | — |
| 39 | Kingsport Press Credit Union 92 out of 100, Very strong | 3 | 0.5% | 0.0% |
| 40 | Lee Bank & Trust Company 82 out of 100, Strong | 3 | 0.5% | 20.5% |
Top 40 of 102 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