Virginia · HMDA 2025
Mortgage lenders in Williamsburg city, VA
96 lenders reported 392 home-loan applications in Williamsburg city in 2025. 188 closed as loans ($73.5M), 67 were denied — a 25.1% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 16% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 392
- Loans originated
- 188
- Purchase / refinance
- 109 / 45
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Williamsburg city
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 23 | 5.9% | — |
| 2 | Truist Bank 63 out of 100, Moderate | 19 | 4.8% | 40.8% |
| 3 | PENNYMAC LOAN SERVICES, LLC | 19 | 4.8% | — |
| 4 | Rocket Mortgage, LLC | 19 | 4.8% | — |
| 5 | NEWREZ LLC | 18 | 4.6% | — |
| 6 | Navy Federal Credit Union 66 out of 100, Moderate | 15 | 3.8% | 32.9% |
| 7 | FREEDOM MORTGAGE CORPORATION | 15 | 3.8% | — |
| 8 | MOVEMENT MORTGAGE, LLC | 11 | 2.8% | — |
| 9 | LANGLEY Federal Credit Union 54 out of 100, Below average | 10 | 2.6% | 21.7% |
| 10 | Prosperity Home Mortgage, LLC | 10 | 2.6% | — |
| 11 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 10 | 2.6% | — |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 9 | 2.3% | 14.1% |
| 13 | 1ST ADVANTAGE FEDERAL CREDIT UNION 90 out of 100, Very strong | 9 | 2.3% | 28.0% |
| 14 | Bank of America, National Association 59 out of 100, Moderate | 8 | 2.0% | 44.7% |
| 15 | Towne Bank 74 out of 100, Strong | 8 | 2.0% | 6.6% |
| 16 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 8 | 2.0% | — |
| 17 | Mortgage Research Center, LLC | 7 | 1.8% | — |
| 18 | NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION | 7 | 1.8% | — |
| 19 | AMERIHOME MORTGAGE COMPANY, LLC | 6 | 1.5% | — |
| 20 | Towne Mortgage, LLC | 6 | 1.5% | — |
| 21 | Alcova Mortgage LLC | 6 | 1.5% | — |
| 22 | UNITED SHORE FINANCIAL SERVICES, LLC | 5 | 1.3% | — |
| 23 | ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | 1.3% | — |
| 24 | AmeriSave Mortgage Corporation | 4 | 1.0% | — |
| 25 | CROSSCOUNTRY MORTGAGE, INC. | 4 | 1.0% | — |
| 26 | SPRING EQ, LLC | 4 | 1.0% | — |
| 27 | U.S. Bank National Association 55 out of 100, Moderate | 4 | 1.0% | 39.5% |
| 28 | PLANET HOME LENDING, LLC | 4 | 1.0% | — |
| 29 | C & F Mortgage Corporation | 4 | 1.0% | — |
| 30 | Citizens and Farmers Bank 75 out of 100, Strong | 4 | 1.0% | 27.4% |
| 31 | Atlantic Union Bank 73 out of 100, Strong | 4 | 1.0% | 23.3% |
| 32 | CAPITAL CENTER, L.L.C. | 4 | 1.0% | — |
| 33 | Ameris Bank 67 out of 100, Moderate | 4 | 1.0% | 10.5% |
| 34 | First National Bank of Pennsylvania 64 out of 100, Moderate | 4 | 1.0% | 26.6% |
| 35 | Discover Bank | 3 | 0.8% | — |
| 36 | GUILD MORTGAGE COMPANY | 3 | 0.8% | — |
| 37 | A&D Mortgage LLC | 3 | 0.8% | — |
| 38 | SOUTHERN TRUST MORTGAGE, LLC | 3 | 0.8% | — |
| 39 | PLAZA HOME MORTGAGE, INC. | 3 | 0.8% | — |
| 40 | NEW DAY FINANCIAL, LLC | 3 | 0.8% | — |
Top 40 of 96 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