Virginia · HMDA 2025
Mortgage lenders in Westmoreland County, VA
194 lenders reported 1,512 home-loan applications in Westmoreland County in 2025. 746 closed as loans ($188.4M), 226 were denied — a 22.6% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 16% of applications, led by PENNYMAC LOAN SERVICES, LLC. 8 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,512
- Loans originated
- 746
- Purchase / refinance
- 401 / 223
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Westmoreland County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | PENNYMAC LOAN SERVICES, LLC | 88 | 5.8% | — |
| 2 | Rocket Mortgage, LLC | 82 | 5.4% | — |
| 3 | Navy Federal Credit Union 66 out of 100, Moderate | 69 | 4.6% | 32.9% |
| 4 | NEWREZ LLC | 62 | 4.1% | — |
| 5 | Atlantic Union Bank 73 out of 100, Strong | 58 | 3.8% | 23.3% |
| 6 | VANDERBILT MORTGAGE AND FINANCE, INC. | 55 | 3.6% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 51 | 3.4% | — |
| 8 | FREEDOM MORTGAGE CORPORATION | 47 | 3.1% | — |
| 9 | Mortgage Research Center, LLC | 44 | 2.9% | — |
| 10 | Truist Bank 63 out of 100, Moderate | 40 | 2.6% | 40.8% |
| 11 | MOVEMENT MORTGAGE, LLC | 38 | 2.5% | — |
| 12 | AMERIHOME MORTGAGE COMPANY, LLC | 28 | 1.9% | — |
| 13 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 23 | 1.5% | 14.1% |
| 14 | Fairway Independent Mortgage Corporation | 23 | 1.5% | — |
| 15 | PLANET HOME LENDING, LLC | 23 | 1.5% | — |
| 16 | C & F Mortgage Corporation | 23 | 1.5% | — |
| 17 | AmeriSave Mortgage Corporation | 22 | 1.5% | — |
| 18 | Atlantic Coast Mortgage, LLC | 22 | 1.5% | — |
| 19 | United Bank 74 out of 100, Strong | 22 | 1.5% | 20.3% |
| 20 | PHH Mortgage Corporation | 21 | 1.4% | — |
| 21 | Virginia Credit Union, Inc. | 21 | 1.4% | — |
| 22 | FIGURE LENDING LLC | 20 | 1.3% | — |
| 23 | Prosperity Home Mortgage, LLC | 19 | 1.3% | — |
| 24 | Citizens and Farmers Bank 75 out of 100, Strong | 19 | 1.3% | 27.4% |
| 25 | Loandepot.Com, LLC | 18 | 1.2% | — |
| 26 | GUARANTEED RATE, INC. | 18 | 1.2% | — |
| 27 | Topside Federal Credit Union 63 out of 100, Moderate | 18 | 1.2% | 42.1% |
| 28 | LAKEVIEW LOAN SERVICING, LLC | 17 | 1.1% | — |
| 29 | CMG MORTGAGE, INC. | 15 | 1.0% | — |
| 30 | SPRING EQ, LLC | 14 | 0.9% | — |
| 31 | VILLAGE CAPITAL & INVESTMENT LLC | 14 | 0.9% | — |
| 32 | Broker Solutions, Inc. | 13 | 0.9% | — |
| 33 | NEW DAY FINANCIAL, LLC | 12 | 0.8% | — |
| 34 | CROSSCOUNTRY MORTGAGE, INC. | 11 | 0.7% | — |
| 35 | NATIONSTAR MORTGAGE LLC | 11 | 0.7% | — |
| 36 | CARRINGTON MORTGAGE SERVICES, LLC | 11 | 0.7% | — |
| 37 | Coastal Community Bank 35 out of 100, Low | 11 | 0.7% | 3.0% |
| 38 | TIDEWATER MORTGAGE SERVICES, INC. | 10 | 0.7% | — |
| 39 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 10 | 0.7% | — |
| 40 | KIND LENDING, LLC | 10 | 0.7% | — |
Top 40 of 194 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