Mortgage lenders in Albemarle County
2,373 mortgages were made in Albemarle County, Virginia, in 2025, by 293 lenders. The median rate their borrowers got was 6.500% on a median loan of $325,000. Of 2,989 decisions, 521 were denials — 17.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC. | 310 | Not published | $125,000 | 22.3% |
| Rocket Mortgage, LLC | 148 | 6.625% | $275,000 | 12.6% |
| GRAY FOX MORTGAGE, LLC | 132 | 6.625% | $425,000 | 0.0% |
| First Heritage Mortgage, LLC | 117 | 6.375% | $405,000 | 0.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 103 | 6.499% | $425,000 | 5.5% |
| Truist Bank | 92 | 6.490% | $145,000 | 39.5% |
| Fulton Bank, National Association | 82 | 6.375% | $745,000 | 7.8% |
| Bank of America, National Association | 66 | 5.990% | $205,000 | 30.2% |
| Navy Federal Credit Union | 58 | 6.938% | $355,000 | 26.3% |
| CMG MORTGAGE, INC. | 48 | 6.625% | $345,000 | 2.0% |
| Atlantic Coast Mortgage, LLC | 46 | 6.490% | $345,000 | 0.0% |
| Atlantic Union Bank | 44 | 7.500% | $240,000 | 33.3% |
| PENNYMAC LOAN SERVICES, LLC | 38 | 7.437% | $250,000 | 16.3% |
| CAPITAL CENTER, L.L.C. | 33 | 6.000% | $395,000 | 8.3% |
| Virginia Credit Union, Inc. | 32 | 6.240% | $105,000 | 15.8% |
| JPMorgan Chase Bank, National Association | 31 | 6.250% | $525,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 30 | 6.313% | $430,000 | 6.3% |
| Ixonia Bank | 30 | 6.563% | $470,000 | 6.1% |
| NFM, INC. | 29 | 6.625% | $405,000 | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 27 | 6.750% | $385,000 | 3.5% |
| NEWREZ LLC | 26 | 6.990% | $265,000 | 10.3% |
| First-Citizens Bank & Trust Company | 26 | 6.495% | $270,000 | 29.5% |
| GUILD MORTGAGE COMPANY | 26 | 6.625% | $335,000 | 3.5% |
| Wells Fargo Bank, National Association | 24 | 6.250% | $440,000 | 7.7% |
| FREEDOM MORTGAGE CORPORATION | 22 | 5.933% | $410,000 | 4.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 21 | 6.575% | $395,000 | 0.0% |
| Loandepot.Com, LLC | 18 | 7.183% | $230,000 | 30.8% |
| TOWER Federal Credit Union | 18 | 7.500% | $230,000 | 21.7% |
| C & F Mortgage Corporation | 17 | 6.500% | $405,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 17 | 8.375% | $75,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 16 | 6.438% | $380,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 13 | 7.375% | $155,000 | 43.5% |
| FIGURE LENDING LLC | 13 | 9.000% | $55,000 | 23.8% |
| Towne Mortgage, LLC | 13 | 6.875% | $445,000 | 0.0% |
| Coastal Community Bank | 12 | 8.990% | $55,000 | 0.0% |
| U.S. Bank National Association | 12 | 6.813% | $330,000 | 25.0% |
| Citizens Bank, National Association | 11 | 8.400% | $105,000 | 26.7% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 11 | 6.375% | $515,000 | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 11 | 5.375% | $385,000 | 7.7% |
| MOVEMENT MORTGAGE, LLC | 11 | 6.250% | $325,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 11 | 5.775% | $675,000 | 7.7% |
| LOWER, LLC | 11 | 6.875% | $525,000 | 0.0% |
| United Bank | 10 | 7.500% | $215,000 | 28.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 10 | 6.313% | $500,000 | 0.0% |
| EMBRACE HOME LOANS, INC. | 10 | 6.625% | $410,000 | 0.0% |
| Alcova Mortgage LLC | 10 | 6.563% | $305,000 | 0.0% |
| AmeriSave Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 59.1% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 35.7% |
| BETTER MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 35.7% |
| NVR Mortgage Finance, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Towne First Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Towne Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens and Farmers Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Mortgage Research Center, LLC | 7 | Under 10 loans | Under 10 loans | 58.8% |
| Broker Solutions, Inc. | 7 | Under 10 loans | Under 10 loans | 18.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 7 | Under 10 loans | Under 10 loans | 56.3% |
| SPRING EQ, LLC | 7 | Under 10 loans | Under 10 loans | 46.2% |
| United Nations Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Barrington Bank & Trust Company, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DuPont Community Federally Insured State-Chartered Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FIRST BANCORP, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Farm Credit of the Virginias, ACA | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 6 | Under 10 loans | Under 10 loans | 14.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 66.7% |
| Carter Bank & Trust | 5 | Under 10 loans | Under 10 loans | 53.8% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| F & M BANK CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 254900WAGGUGSFXUZ903 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| TOTAL MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Integrity Home Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | Under 10 loans | Under 10 loans | 88.6% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 14.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 3 | Under 10 loans | Under 10 loans | 40.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank of West Virginia | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Apple Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Blue Ridge Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LANGLEY Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TD Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| STATE EMPLOYEES' | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Genesis Capital, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of St. Charles, Missouri | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United States Senate Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tidewater Home Funding, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Northern Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 90.9% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CHARTWAY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Truliant Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CityWorth Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM FIRST Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONAL BANKSHARES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Orchard Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAFMAA Mortgage Services LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Acre Mortgage & Financial, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Legacy Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Shore United Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Clarke | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hanscom Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NYMEO FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gulf Coast Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Security Mortgage Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLUS RELOCATION MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pioneer Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 93 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Albemarle County
27 FDIC-insured branches from 15 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Truist Bank | 4 | $611.6 million |
| Wells Fargo Bank, National Association | 3 | $564.1 million |
| Bank of America, National Association | 3 | $216.7 million |
| Atlantic Union Bank | 2 | $352.1 million |
| First-Citizens Bank & Trust Company | 2 | $145.5 million |
| JPMorgan Chase Bank, National Association | 2 | $64.1 million |
| Bank of the James | 2 | $35.4 million |
| Carter Bank & Trust | 2 | $31.8 million |
| Virginia National Bank | 1 | $458.4 million |
| United Bank | 1 | $216.8 million |
| Blue Ridge Bank, National Association | 1 | $102.7 million |
| Old Dominion National Bank | 1 | $73.4 million |
| Citizens and Farmers Bank | 1 | $36.1 million |
| Pioneer Bank | 1 | $12.8 million |
| First National Bank | 1 | $3.4 million |
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When the next year’s lending figures are out for Albemarle County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.