Garrett Mortgage, LLC
Garrett Mortgage, LLC received 49 applications in 2025 and made 40 mortgages, in 14 counties across 1 state. The median rate its borrowers got was 6.375% on a median loan of $270,000. Of 46 decisions, 3 were denials — 6.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930000F1GD8YFO4O36 |
|---|---|
| Applications received | 49 |
| Mortgages made | 40 |
| Denied | 3 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.081 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 37 | 6.375% | $265,000 | 7.0% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where Garrett Mortgage, LLC lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Newport News city, VA | 11 | 6.625% | 8.3% |
| Hampton city, VA | 10 | 6.625% | 0.0% |
| York County, VA | 3 | Under 10 loans | 0.0% |
| Norfolk city, VA | 3 | Under 10 loans | 0.0% |
| Gloucester County, VA | 2 | Under 10 loans | 33.3% |
| James City County, VA | 2 | Under 10 loans | 33.3% |
| Southampton County, VA | 2 | Under 10 loans | 0.0% |
| Portsmouth city, VA | 2 | Under 10 loans | 0.0% |
| Isle of Wight County, VA | 1 | Under 10 loans | 0.0% |
| Mathews County, VA | 1 | Under 10 loans | 0.0% |
| Middlesex County, VA | 1 | Under 10 loans | 0.0% |
| Franklin city, VA | 1 | Under 10 loans | 0.0% |
| Poquoson city, VA | 1 | Under 10 loans | 0.0% |
| Hopewell city, VA | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.