Virginia · HMDA 2025
Mortgage lenders in Stafford County, VA
367 lenders reported 9,411 home-loan applications in Stafford County in 2025. 4,608 closed as loans ($1.9B), 1,420 were denied — a 22.4% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 20% of applications, led by Navy Federal Credit Union. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 9,411
- Loans originated
- 4,608
- Purchase / refinance
- 2,090 / 1,618
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Stafford County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Navy Federal Credit Union 66 out of 100, Moderate | 855 | 9.1% | 32.9% |
| 2 | Rocket Mortgage, LLC | 528 | 5.6% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 486 | 5.2% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 465 | 4.9% | — |
| 5 | FREEDOM MORTGAGE CORPORATION | 399 | 4.2% | — |
| 6 | NEWREZ LLC | 300 | 3.2% | — |
| 7 | Mortgage Research Center, LLC | 268 | 2.8% | — |
| 8 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 258 | 2.7% | 14.1% |
| 9 | Truist Bank 63 out of 100, Moderate | 216 | 2.3% | 40.8% |
| 10 | Atlantic Coast Mortgage, LLC | 209 | 2.2% | — |
| 11 | Bank of America, National Association 59 out of 100, Moderate | 170 | 1.8% | 44.7% |
| 12 | MOVEMENT MORTGAGE, LLC | 169 | 1.8% | — |
| 13 | GUARANTEED RATE, INC. | 160 | 1.7% | — |
| 14 | PNC Bank, National Association 62 out of 100, Moderate | 155 | 1.6% | 33.8% |
| 15 | CMG MORTGAGE, INC. | 144 | 1.5% | — |
| 16 | SPRING EQ, LLC | 142 | 1.5% | — |
| 17 | LAKEVIEW LOAN SERVICING, LLC | 125 | 1.3% | — |
| 18 | NATIONSTAR MORTGAGE LLC | 121 | 1.3% | — |
| 19 | NVR Mortgage Finance, Inc. | 120 | 1.3% | — |
| 20 | Coastal Community Bank 35 out of 100, Low | 115 | 1.2% | 3.0% |
| 21 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 113 | 1.2% | 45.9% |
| 22 | PLANET HOME LENDING, LLC | 112 | 1.2% | — |
| 23 | FIGURE LENDING LLC | 108 | 1.1% | — |
| 24 | AMERIHOME MORTGAGE COMPANY, LLC | 99 | 1.1% | — |
| 25 | Loandepot.Com, LLC | 96 | 1.0% | — |
| 26 | VILLAGE CAPITAL & INVESTMENT LLC | 95 | 1.0% | — |
| 27 | Atlantic Union Bank 73 out of 100, Strong | 90 | 1.0% | 23.3% |
| 28 | Apple Federal Credit Union 76 out of 100, Strong | 88 | 0.9% | 33.0% |
| 29 | CROSSCOUNTRY MORTGAGE, INC. | 81 | 0.9% | — |
| 30 | Fairway Independent Mortgage Corporation | 74 | 0.8% | — |
| 31 | AmeriSave Mortgage Corporation | 74 | 0.8% | — |
| 32 | PHH Mortgage Corporation | 72 | 0.8% | — |
| 33 | 21st Mortgage Corporation | 71 | 0.8% | — |
| 34 | Discover Bank | 69 | 0.7% | — |
| 35 | Broker Solutions, Inc. | 68 | 0.7% | — |
| 36 | NEW DAY FINANCIAL, LLC | 62 | 0.7% | — |
| 37 | CARRINGTON MORTGAGE SERVICES, LLC | 61 | 0.6% | — |
| 38 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 58 | 0.6% | 32.9% |
| 39 | The Federal Savings Bank 51 out of 100, Below average | 53 | 0.6% | 19.1% |
| 40 | Virginia Credit Union, Inc. | 51 | 0.5% | — |
Top 40 of 367 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
- Richmond city 7,953 apps
- Newport News city 7,787 apps
- Hampton city 7,582 apps