Towne First Mortgage, LLC
Towne First Mortgage, LLC received 314 applications in 2025 and made 260 mortgages, in 37 counties across 2 states. The median rate its borrowers got was 6.625% on a median loan of $355,000. Of 268 decisions, 7 were denials — 2.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300XWC8ZG8WYKWG35 |
|---|---|
| Applications received | 314 |
| Mortgages made | 260 |
| Denied | 7 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 46 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2065 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 | 253 | 6.625% | $355,000 | 2.7% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 0.0% |
Where Towne First Mortgage, LLC lends most
The 37 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hanover County, VA | 69 | 6.750% | 1.4% |
| Henrico County, VA | 41 | 6.750% | 0.0% |
| Chesterfield County, VA | 27 | 6.750% | 0.0% |
| Louisa County, VA | 16 | 6.495% | 11.1% |
| King William County, VA | 14 | 6.688% | 0.0% |
| New Kent County, VA | 13 | 6.625% | 0.0% |
| Fluvanna County, VA | 11 | 6.500% | 0.0% |
| Richmond city, VA | 11 | 6.875% | 0.0% |
| Albemarle County, VA | 9 | Under 10 loans | 0.0% |
| Goochland County, VA | 9 | Under 10 loans | 10.0% |
| Powhatan County, VA | 4 | Under 10 loans | 0.0% |
| Hopewell city, VA | 4 | Under 10 loans | 0.0% |
| Montgomery County, VA | 3 | Under 10 loans | 0.0% |
| Amelia County, VA | 2 | Under 10 loans | 0.0% |
| Charles City County, VA | 2 | Under 10 loans | 0.0% |
| Essex County, VA | 2 | Under 10 loans | 0.0% |
| Middlesex County, VA | 2 | Under 10 loans | 0.0% |
| Prince George County, VA | 2 | Under 10 loans | 0.0% |
| Staunton city, VA | 2 | Under 10 loans | 0.0% |
| Orange County, FL | 1 | Under 10 loans | 0.0% |
| Amherst County, VA | 1 | Under 10 loans | 0.0% |
| Bedford County, VA | 1 | Under 10 loans | 0.0% |
| Caroline County, VA | 1 | Under 10 loans | 0.0% |
| Greene County, VA | 1 | Under 10 loans | 0.0% |
| Nelson County, VA | 1 | Under 10 loans | 0.0% |
| Northumberland County, VA | 1 | Under 10 loans | 0.0% |
| Orange County, VA | 1 | Under 10 loans | 0.0% |
| Page County, VA | 1 | Under 10 loans | 0.0% |
| Richmond County, VA | 1 | Under 10 loans | 0.0% |
| Sussex County, VA | 1 | Under 10 loans | 0.0% |
| Charlottesville city, VA | 1 | Under 10 loans | 0.0% |
| Colonial Heights city, VA | 1 | Under 10 loans | 0.0% |
| Harrisonburg city, VA | 1 | Under 10 loans | 0.0% |
| Petersburg city, VA | 1 | Under 10 loans | 75.0% |
| Virginia Beach city, VA | 1 | Under 10 loans | 0.0% |
| Waynesboro city, VA | 1 | Under 10 loans | 0.0% |
| Dinwiddie County, 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.