Mortgage lenders in Henrico County
8,202 mortgages were made in Henrico County, Virginia, in 2025, by 420 lenders. The median rate their borrowers got was 6.624% on a median loan of $275,000. Of 10,618 decisions, 2,027 were denials — 19.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 554 | 6.750% | $240,000 | 15.2% |
| Virginia Credit Union, Inc. | 536 | 6.240% | $105,000 | 14.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 408 | 6.125% | $345,000 | 11.5% |
| CAPITAL CENTER, L.L.C. | 365 | 6.500% | $335,000 | 13.7% |
| First Heritage Mortgage, LLC | 290 | 6.490% | $335,000 | 3.6% |
| Truist Bank | 280 | 6.590% | $190,000 | 39.5% |
| Towne Bank | 229 | 6.625% | $265,000 | 8.7% |
| PENNYMAC LOAN SERVICES, LLC | 194 | 6.562% | $275,000 | 14.4% |
| Atlantic Union Bank | 175 | 7.500% | $155,000 | 26.0% |
| Navy Federal Credit Union | 174 | 7.750% | $155,000 | 30.6% |
| NVR Mortgage Finance, Inc. | 172 | 6.125% | $305,000 | 29.5% |
| Bank of America, National Association | 168 | 6.240% | $155,000 | 38.3% |
| C & F Mortgage Corporation | 162 | 6.500% | $285,000 | 2.4% |
| MOVEMENT MORTGAGE, LLC | 140 | 6.500% | $305,000 | 5.8% |
| Prosperity Home Mortgage, LLC | 137 | 6.750% | $335,000 | 4.1% |
| FREEDOM MORTGAGE CORPORATION | 121 | 6.250% | $345,000 | 12.7% |
| HENRICO Federal Credit Union | 119 | 6.490% | $75,000 | 19.0% |
| JPMorgan Chase Bank, National Association | 114 | 6.495% | $275,000 | 5.8% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 113 | 6.750% | $345,000 | 0.9% |
| U.S. Bank National Association | 108 | 6.625% | $405,000 | 18.4% |
| CMG MORTGAGE, INC. | 107 | 6.625% | $365,000 | 6.5% |
| NFM, INC. | 100 | 6.750% | $345,000 | 0.0% |
| Loandepot.Com, LLC | 95 | 7.375% | $125,000 | 22.1% |
| United Bank | 89 | 6.490% | $275,000 | 13.6% |
| Atlantic Coast Mortgage, LLC | 89 | 6.490% | $315,000 | 2.2% |
| NATIONSTAR MORTGAGE LLC | 82 | 8.188% | $135,000 | 17.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 82 | 6.875% | $315,000 | 5.6% |
| Fulton Bank, National Association | 77 | 6.500% | $395,000 | 8.3% |
| NEWREZ LLC | 70 | 6.750% | $260,000 | 43.5% |
| LANGLEY Federal Credit Union | 70 | 6.990% | $90,000 | 19.5% |
| Citizens and Farmers Bank | 67 | Not published | $105,000 | 39.3% |
| Fairway Independent Mortgage Corporation | 60 | 6.375% | $285,000 | 7.6% |
| CALL FEDERAL CREDIT UNION | 59 | 7.500% | $85,000 | 6.4% |
| Wells Fargo Bank, National Association | 58 | 6.290% | $265,000 | 26.8% |
| First National Bank of Pennsylvania | 58 | 6.375% | $295,000 | 10.8% |
| FIGURE LENDING LLC | 56 | 8.500% | $80,000 | 23.8% |
| Alcova Mortgage LLC | 54 | 6.750% | $305,000 | 6.7% |
| THE LOAN STORE, INC. | 51 | 6.874% | $285,000 | 9.5% |
| Mortgage Research Center, LLC | 50 | 6.125% | $350,000 | 36.3% |
| Kiavi Funding, Inc. | 50 | 9.950% | $210,000 | 5.5% |
| Integrity Home Mortgage Corporation | 48 | 6.625% | $275,000 | 3.8% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 46 | 6.500% | $395,000 | 6.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 45 | 6.625% | $295,000 | 4.3% |
| AmeriSave Mortgage Corporation | 44 | 8.625% | $95,000 | 59.3% |
| SOUTHERN TRUST MORTGAGE, LLC | 44 | 6.625% | $300,000 | 0.0% |
| Towne First Mortgage, LLC | 41 | 6.750% | $325,000 | 0.0% |
| SPRING EQ, LLC | 37 | 9.825% | $65,000 | 59.4% |
| Broker Solutions, Inc. | 34 | 6.750% | $255,000 | 17.0% |
| Coastal Community Bank | 32 | 10.615% | $55,000 | 0.0% |
| TOWER Federal Credit Union | 32 | 7.000% | $140,000 | 26.7% |
| GUILD MORTGAGE COMPANY | 32 | 6.625% | $485,000 | 5.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 32 | 10.190% | $145,000 | 3.0% |
| Citizens Bank, National Association | 31 | 7.900% | $205,000 | 30.4% |
| PNC Bank, National Association | 29 | 7.700% | $125,000 | 38.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 29 | 6.250% | $245,000 | 23.7% |
| First-Citizens Bank & Trust Company | 29 | 6.225% | $225,000 | 11.8% |
| Presidential Bank, FSB | 28 | 6.625% | $330,000 | 3.5% |
| OCMBC, INC. | 27 | 7.375% | $245,000 | 9.7% |
| Ameris Bank | 27 | 6.125% | $325,000 | 6.9% |
| FIRST COMMUNITY MORTGAGE, INC. | 26 | 6.490% | $370,000 | 10.0% |
| PHH Mortgage Corporation | 25 | 6.375% | $285,000 | 3.9% |
| GUARANTEED RATE, INC. | 23 | 6.525% | $275,000 | 10.3% |
| GoodLeap, LLC | 23 | 6.750% | $155,000 | 23.7% |
| SouthState Bank, National Association | 23 | 7.400% | $255,000 | 17.9% |
| Manufacturers and Traders Trust Company | 22 | 5.990% | $225,000 | 52.2% |
| KIND LENDING, LLC | 22 | 6.875% | $410,000 | 33.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 22 | 6.813% | $325,000 | 4.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 21 | 6.500% | $225,000 | 64.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 21 | 6.625% | $325,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 20 | 7.688% | $220,000 | 41.2% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 20 | 6.063% | $285,000 | 9.1% |
| UNION HOME MORTGAGE CORP. | 20 | 6.125% | $380,000 | 4.6% |
| LAKEVIEW LOAN SERVICING, LLC | 19 | 6.990% | $115,000 | 63.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 19 | 7.915% | $135,000 | 22.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | 19 | 5.750% | $345,000 | 22.2% |
| LOWER, LLC | 19 | 6.500% | $285,000 | 13.6% |
| Third Federal Savings and Loan Association of Cleveland | 19 | 6.990% | $165,000 | 36.4% |
| CALCON MUTUAL MORTGAGE LLC | 19 | 6.625% | $315,000 | 5.0% |
| AMWEST FUNDING CORP. | 19 | 6.875% | $275,000 | 5.0% |
| FIRST HOME MORTGAGE CORPORATION | 19 | 6.875% | $295,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 18 | 6.625% | $320,000 | 41.9% |
| Paramount Residential Mortgage Group, Inc. | 18 | 7.563% | $440,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 17 | 8.875% | $185,000 | 54.1% |
| USAA Federal Savings Bank | 17 | 6.125% | $405,000 | 34.6% |
| VILLAGE BANK MORTGAGE CORPORATION | 17 | 6.500% | $325,000 | 0.0% |
| FIRST BANK | 17 | Not published | $135,000 | 5.6% |
| PLAZA HOME MORTGAGE, INC. | 16 | 6.438% | $355,000 | 28.6% |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | 16 | 5.490% | $90,000 | 25.0% |
| Nations Lending Corporation | 16 | 6.563% | $250,000 | 26.1% |
| SWBC MORTGAGE CORPORATION | 16 | 6.563% | $280,000 | 5.9% |
| TIDEWATER MORTGAGE SERVICES, INC. | 16 | 5.313% | $230,000 | 5.9% |
| BERKELEY POINT CAPITAL LLC | 16 | 4.210% | $5,975,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 15 | 5.875% | $415,000 | 23.1% |
| PLANET HOME LENDING, LLC | 15 | 5.990% | $295,000 | 23.8% |
| A&D Mortgage LLC | 15 | 6.625% | $295,000 | 6.3% |
| CHURCHILL MORTGAGE CORPORATION | 14 | 6.625% | $290,000 | 5.6% |
| NexBank | 14 | 6.813% | $295,000 | 6.7% |
| EMM LOANS LLC | 14 | 6.625% | $280,000 | 0.0% |
| Plains Commerce Bank | 13 | 6.125% | $335,000 | 23.5% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 13 | 7.624% | $255,000 | 7.1% |
| RELIANCE FIRST CAPITAL, LLC | 13 | 6.625% | $275,000 | 0.0% |
| C&F Select LLC | 12 | 6.625% | $380,000 | 6.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 12 | 6.500% | $270,000 | 14.3% |
| LONGBRIDGE FINANCIAL, LLC | 12 | 6.125% | $130,000 | 12.5% |
| DEEPHAVEN MORTGAGE LLC | 12 | 6.990% | $215,000 | 25.0% |
| ZILLOW HOME LOANS, LLC | 12 | 6.625% | $325,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 11 | 5.625% | $445,000 | 21.4% |
| Truliant Federal Credit Union | 11 | 7.250% | $125,000 | 36.8% |
| DOMINION ENERGY CREDIT UNION | 11 | 6.750% | $135,000 | 26.7% |
| Commerce Home Mortgage, Inc. | 11 | 7.125% | $335,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 10 | 6.750% | $275,000 | 16.7% |
| GUIDANCE RESIDENTIAL, LLC | 10 | 6.938% | $350,000 | 0.0% |
| Argent Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 35.7% |
| ALLIANT CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 47.1% |
| FINANCE OF AMERICA REVERSE LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Morgan Stanley Private Bank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 8 | Under 10 loans | Under 10 loans | 83.9% |
| NEW DAY FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 63.6% |
| Valon Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Sierra Pacific Mortgage Company, Inc. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| FIRST BANCORP, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Filo Mortgage, L.L.C. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NBKC BANK | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Primis Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Tomo Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LoanUnited.com, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| First National Bank of America | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Chesapeake Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| The Dart Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| MORIA DEVELOPMENT, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NATIONS DIRECT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 45.5% |
| TD Bank, National Association | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PANORAMA MORTGAGE GROUP, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 25.0% |
| Peoples Advantage Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CLEARPATH LENDING | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Virginia National Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| The Huntington National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DuPont Community Federally Insured State-Chartered Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| DIGITAL | 4 | Under 10 loans | Under 10 loans | 55.6% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| UIF CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ARC HOME LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| DHI MORTGAGE COMPANY, LTD. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| INTERCOASTAL MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Strategic Funding, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES' | 3 | Under 10 loans | Under 10 loans | 62.5% |
| VILLAGE BANK AND TRUST FINANCIAL CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SayGO Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Northwest Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank and Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Tidewater Home Funding, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FEDERATED MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FAY SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 3 | 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 220 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in Henrico County
77 FDIC-insured branches from 22 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Wells Fargo Bank, National Association | 12 | $2.3 billion |
| Truist Bank | 12 | $1.7 billion |
| Bank of America, National Association | 7 | $1.3 billion |
| Atlantic Union Bank | 5 | $868.3 million |
| TowneBank | 5 | $669.3 million |
| JPMorgan Chase Bank, National Association | 5 | $253.4 million |
| Citizens and Farmers Bank | 4 | $268.2 million |
| United Bank | 4 | $142.7 million |
| First-Citizens Bank & Trust Company | 3 | $169.3 million |
| Chesapeake Bank | 3 | $53.6 million |
| Woodforest National Bank | 3 | $7.6 million |
| Primis Bank | 2 | $507.0 million |
| Blue Ridge Bank, National Association | 2 | $441.0 million |
| First National Bank of Pennsylvania | 2 | $11.9 million |
| SouthState Bank, National Association | 1 | $196.8 million |
| Locus Bank, Inc. | 1 | $94.7 million |
| Fulton Bank, National Association | 1 | $81.4 million |
| First Community Bank | 1 | $56.4 million |
| Manufacturers and Traders Trust Company | 1 | $24.3 million |
| Southern Bank and Trust Company | 1 | $5.3 million |
| New Horizon Bank, National Association | 1 | $2.0 million |
| Davidson Trust Co. | 1 | $0 |
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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.