Virginia · HMDA 2025
Mortgage lenders in Southampton County, VA
126 lenders reported 766 home-loan applications in Southampton County in 2025. 381 closed as loans ($85.9M), 129 were denied — a 24.2% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 19% of applications, led by BRONCO Federal Credit Union. 9 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 766
- Loans originated
- 381
- Purchase / refinance
- 173 / 130
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Southampton County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | BRONCO Federal Credit Union 61 out of 100, Moderate | 65 | 8.5% | 22.0% |
| 2 | Rocket Mortgage, LLC | 46 | 6.0% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 35 | 4.6% | — |
| 4 | Mortgage Research Center, LLC | 34 | 4.4% | — |
| 5 | NEWREZ LLC | 28 | 3.7% | — |
| 6 | VANDERBILT MORTGAGE AND FINANCE, INC. | 27 | 3.5% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 27 | 3.5% | — |
| 8 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 25 | 3.3% | — |
| 9 | Navy Federal Credit Union 66 out of 100, Moderate | 24 | 3.1% | 32.9% |
| 10 | FREEDOM MORTGAGE CORPORATION | 24 | 3.1% | — |
| 11 | Towne Bank 74 out of 100, Strong | 18 | 2.3% | 6.6% |
| 12 | PLANET HOME LENDING, LLC | 17 | 2.2% | — |
| 13 | AMERIHOME MORTGAGE COMPANY, LLC | 16 | 2.1% | — |
| 14 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 15 | 2.0% | — |
| 15 | CROSSCOUNTRY MORTGAGE, INC. | 14 | 1.8% | — |
| 16 | MOVEMENT MORTGAGE, LLC | 13 | 1.7% | — |
| 17 | SOUTHERN TRUST MORTGAGE, LLC | 13 | 1.7% | — |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 11 | 1.4% | 14.1% |
| 19 | Truist Bank 63 out of 100, Moderate | 11 | 1.4% | 40.8% |
| 20 | DHI MORTGAGE COMPANY, LTD. | 11 | 1.4% | — |
| 21 | Primis Bank | 11 | 1.4% | — |
| 22 | TOWNE MORTGAGE COMPANY | 11 | 1.4% | — |
| 23 | VILLAGE CAPITAL & INVESTMENT LLC | 11 | 1.4% | — |
| 24 | LANGLEY Federal Credit Union 54 out of 100, Below average | 10 | 1.3% | 21.7% |
| 25 | Loandepot.Com, LLC | 9 | 1.2% | — |
| 26 | Broker Solutions, Inc. | 9 | 1.2% | — |
| 27 | C & F Mortgage Corporation | 9 | 1.2% | — |
| 28 | AmeriSave Mortgage Corporation | 8 | 1.0% | — |
| 29 | NATIONSTAR MORTGAGE LLC | 8 | 1.0% | — |
| 30 | Bank of America, National Association 59 out of 100, Moderate | 7 | 0.9% | 44.7% |
| 31 | FIGURE LENDING LLC | 7 | 0.9% | — |
| 32 | CALCON MUTUAL MORTGAGE LLC | 7 | 0.9% | — |
| 33 | NEW DAY FINANCIAL, LLC | 7 | 0.9% | — |
| 34 | Discover Bank | 6 | 0.8% | — |
| 35 | CHARTWAY FEDERAL CREDIT UNION 50 out of 100, Below average | 6 | 0.8% | 31.3% |
| 36 | Virginia Credit Union, Inc. | 6 | 0.8% | — |
| 37 | CMG MORTGAGE, INC. | 5 | 0.7% | — |
| 38 | SPRING EQ, LLC | 5 | 0.7% | — |
| 39 | Citizens Bank, National Association 54 out of 100, Below average | 4 | 0.5% | 32.5% |
| 40 | AMERICAN FINANCIAL RESOURCES, INC. | 4 | 0.5% | — |
Top 40 of 126 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