Virginia · HMDA 2025
Mortgage lenders in Spotsylvania County, VA
348 lenders reported 9,422 home-loan applications in Spotsylvania County in 2025. 4,657 closed as loans ($1.7B), 1,412 were denied — a 22.1% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 16% of applications, led by Navy Federal Credit Union. 8 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 9,422
- Loans originated
- 4,657
- Purchase / refinance
- 2,270 / 1,469
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Spotsylvania County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Navy Federal Credit Union 66 out of 100, Moderate | 665 | 7.1% | 32.9% |
| 2 | Rocket Mortgage, LLC | 480 | 5.1% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 408 | 4.3% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 398 | 4.2% | — |
| 5 | NVR Mortgage Finance, Inc. | 368 | 3.9% | — |
| 6 | FREEDOM MORTGAGE CORPORATION | 357 | 3.8% | — |
| 7 | NEWREZ LLC | 298 | 3.2% | — |
| 8 | Truist Bank 63 out of 100, Moderate | 275 | 2.9% | 40.8% |
| 9 | MOVEMENT MORTGAGE, LLC | 275 | 2.9% | — |
| 10 | PNC Bank, National Association 62 out of 100, Moderate | 244 | 2.6% | 33.8% |
| 11 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 219 | 2.3% | 14.1% |
| 12 | Mortgage Research Center, LLC | 216 | 2.3% | — |
| 13 | Atlantic Coast Mortgage, LLC | 174 | 1.8% | — |
| 14 | Virginia Credit Union, Inc. | 174 | 1.8% | — |
| 15 | Atlantic Union Bank 73 out of 100, Strong | 167 | 1.8% | 23.3% |
| 16 | CMG MORTGAGE, INC. | 141 | 1.5% | — |
| 17 | GUARANTEED RATE, INC. | 138 | 1.5% | — |
| 18 | FIGURE LENDING LLC | 136 | 1.4% | — |
| 19 | K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 136 | 1.4% | — |
| 20 | Bank of America, National Association 59 out of 100, Moderate | 134 | 1.4% | 44.7% |
| 21 | NATIONSTAR MORTGAGE LLC | 132 | 1.4% | — |
| 22 | VANDERBILT MORTGAGE AND FINANCE, INC. | 120 | 1.3% | — |
| 23 | AMERIHOME MORTGAGE COMPANY, LLC | 117 | 1.2% | — |
| 24 | CROSSCOUNTRY MORTGAGE, INC. | 116 | 1.2% | — |
| 25 | SPRING EQ, LLC | 114 | 1.2% | — |
| 26 | PLANET HOME LENDING, LLC | 101 | 1.1% | — |
| 27 | Fairway Independent Mortgage Corporation | 98 | 1.0% | — |
| 28 | Coastal Community Bank 35 out of 100, Low | 98 | 1.0% | 3.0% |
| 29 | Loandepot.Com, LLC | 89 | 0.9% | — |
| 30 | LAKEVIEW LOAN SERVICING, LLC | 85 | 0.9% | — |
| 31 | VILLAGE CAPITAL & INVESTMENT LLC | 82 | 0.9% | — |
| 32 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 72 | 0.8% | 45.9% |
| 33 | Broker Solutions, Inc. | 69 | 0.7% | — |
| 34 | CALCON MUTUAL MORTGAGE LLC | 68 | 0.7% | — |
| 35 | AmeriSave Mortgage Corporation | 67 | 0.7% | — |
| 36 | PHH Mortgage Corporation | 63 | 0.7% | — |
| 37 | CARRINGTON MORTGAGE SERVICES, LLC | 60 | 0.6% | — |
| 38 | NEW DAY FINANCIAL, LLC | 56 | 0.6% | — |
| 39 | NFM, INC. | 52 | 0.6% | — |
| 40 | First Heritage Mortgage, LLC | 47 | 0.5% | — |
Top 40 of 348 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
- Stafford County 9,411 apps
- Richmond city 7,953 apps
- Newport News city 7,787 apps
- Hampton city 7,582 apps