Virginia · HMDA 2025
Mortgage lenders in Smyth County, VA
116 lenders reported 882 home-loan applications in Smyth County in 2025. 450 closed as loans ($66.9M), 185 were denied — a 28.2% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 35% of applications, led by THE BANK OF MARION. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 882
- Loans originated
- 450
- Purchase / refinance
- 237 / 125
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Smyth County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | THE BANK OF MARION 71 out of 100, Strong | 146 | 16.6% | 11.9% |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 97 | 11.0% | — |
| 3 | Rocket Mortgage, LLC | 62 | 7.0% | — |
| 4 | EASTMAN CREDIT UNION 91 out of 100, Very strong | 56 | 6.3% | 26.9% |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 47 | 5.3% | — |
| 6 | Truist Bank 63 out of 100, Moderate | 28 | 3.2% | 40.8% |
| 7 | MOVEMENT MORTGAGE, LLC | 28 | 3.2% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 20 | 2.3% | — |
| 9 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 19 | 2.2% | — |
| 10 | 21st Mortgage Corporation | 18 | 2.0% | — |
| 11 | NEWREZ LLC | 15 | 1.7% | — |
| 12 | Mortgage Research Center, LLC | 15 | 1.7% | — |
| 13 | First Community Bank 75 out of 100, Strong | 15 | 1.7% | 30.8% |
| 14 | Truliant Federal Credit Union 67 out of 100, Moderate | 12 | 1.4% | 50.3% |
| 15 | AmeriSave Mortgage Corporation | 11 | 1.2% | — |
| 16 | FIRST BANCORP, INC. | 11 | 1.2% | — |
| 17 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 11 | 1.2% | — |
| 18 | FIGURE LENDING LLC | 10 | 1.1% | — |
| 19 | Broker Solutions, Inc. | 9 | 1.0% | — |
| 20 | SPRING EQ, LLC | 9 | 1.0% | — |
| 21 | FREEDOM MORTGAGE CORPORATION | 9 | 1.0% | — |
| 22 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 7 | 0.8% | 14.1% |
| 23 | Loandepot.Com, LLC | 7 | 0.8% | — |
| 24 | LAKEVIEW LOAN SERVICING, LLC | 7 | 0.8% | — |
| 25 | Coastal Community Bank 35 out of 100, Low | 7 | 0.8% | 3.0% |
| 26 | Navy Federal Credit Union 66 out of 100, Moderate | 6 | 0.7% | 32.9% |
| 27 | CROSSCOUNTRY MORTGAGE, INC. | 6 | 0.7% | — |
| 28 | AMERIHOME MORTGAGE COMPANY, LLC | 6 | 0.7% | — |
| 29 | PLANET HOME LENDING, LLC | 6 | 0.7% | — |
| 30 | GVC MORTGAGE, INC. | 6 | 0.7% | — |
| 31 | NATIONSTAR MORTGAGE LLC | 6 | 0.7% | — |
| 32 | TOWNE MORTGAGE COMPANY | 6 | 0.7% | — |
| 33 | Farm Credit of the Virginias, ACA | 5 | 0.6% | — |
| 34 | SOFI BANK, NATIONAL ASSOCIATION | 5 | 0.6% | — |
| 35 | First Reliance Bank | 5 | 0.6% | — |
| 36 | NEW DAY FINANCIAL, LLC | 5 | 0.6% | — |
| 37 | CARRINGTON MORTGAGE SERVICES, LLC | 5 | 0.6% | — |
| 38 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 4 | 0.5% | 22.2% |
| 39 | Discover Bank | 4 | 0.5% | — |
| 40 | U.S. Bank National Association 55 out of 100, Moderate | 4 | 0.5% | 39.5% |
Top 40 of 116 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