Home purchase lenders in Henrico County
4,231 home purchase mortgages were made in Henrico County, Virginia, in 2025, by 321 lenders. The median rate their borrowers got was 6.500% on a median loan of $325,000. Of 4,721 decisions, 399 were denials — 8.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| First Heritage Mortgage, LLC | 273 | 6.500% | $335,000 | 3.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 178 | 6.500% | $335,000 | 6.3% |
| Towne Bank | 175 | 6.500% | $295,000 | 2.8% |
| NVR Mortgage Finance, Inc. | 172 | 6.125% | $305,000 | 29.5% |
| Virginia Credit Union, Inc. | 167 | 6.375% | $295,000 | 5.7% |
| CAPITAL CENTER, L.L.C. | 160 | 6.625% | $335,000 | 8.1% |
| Rocket Mortgage, LLC | 155 | 6.625% | $355,000 | 9.1% |
| C & F Mortgage Corporation | 154 | 6.500% | $285,000 | 2.5% |
| Prosperity Home Mortgage, LLC | 116 | 6.750% | $335,000 | 2.5% |
| MOVEMENT MORTGAGE, LLC | 114 | 6.500% | $305,000 | 2.2% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 106 | 6.750% | $345,000 | 0.9% |
| CMG MORTGAGE, INC. | 98 | 6.625% | $365,000 | 6.3% |
| NFM, INC. | 90 | 6.750% | $350,000 | 0.0% |
| Truist Bank | 85 | 6.400% | $375,000 | 9.6% |
| U.S. Bank National Association | 85 | 6.625% | $435,000 | 9.4% |
| Atlantic Coast Mortgage, LLC | 80 | 6.558% | $315,000 | 2.4% |
| JPMorgan Chase Bank, National Association | 77 | 6.500% | $285,000 | 2.5% |
| United Bank | 70 | 6.313% | $290,000 | 5.4% |
| PENNYMAC LOAN SERVICES, LLC | 63 | 6.499% | $345,000 | 11.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 61 | 6.875% | $345,000 | 3.2% |
| Navy Federal Credit Union | 60 | 6.250% | $375,000 | 10.0% |
| Fulton Bank, National Association | 59 | 6.625% | $395,000 | 3.3% |
| Bank of America, National Association | 55 | 6.125% | $335,000 | 15.2% |
| Alcova Mortgage LLC | 49 | 6.625% | $305,000 | 5.6% |
| Fairway Independent Mortgage Corporation | 48 | 6.188% | $285,000 | 5.8% |
| First National Bank of Pennsylvania | 47 | 6.375% | $315,000 | 9.6% |
| Mortgage Research Center, LLC | 43 | 6.125% | $355,000 | 13.7% |
| Integrity Home Mortgage Corporation | 42 | 6.625% | $275,000 | 2.2% |
| Towne First Mortgage, LLC | 40 | 6.688% | $335,000 | 0.0% |
| Kiavi Funding, Inc. | 38 | 10.500% | $220,000 | 2.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 37 | 6.500% | $425,000 | 7.5% |
| SOUTHERN TRUST MORTGAGE, LLC | 37 | 6.625% | $325,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 37 | 6.500% | $305,000 | 5.1% |
| THE LOAN STORE, INC. | 34 | 6.625% | $305,000 | 2.9% |
| Atlantic Union Bank | 33 | 6.500% | $295,000 | 12.8% |
| FREEDOM MORTGAGE CORPORATION | 31 | 6.250% | $385,000 | 11.1% |
| GUILD MORTGAGE COMPANY | 28 | 6.688% | $450,000 | 6.5% |
| Wells Fargo Bank, National Association | 27 | 6.250% | $445,000 | 15.2% |
| FIRST COMMUNITY MORTGAGE, INC. | 26 | 6.490% | $370,000 | 10.0% |
| Presidential Bank, FSB | 25 | 6.625% | $315,000 | 3.9% |
| Ameris Bank | 25 | 6.250% | $295,000 | 7.4% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 19 | 6.875% | $345,000 | 4.8% |
| OCMBC, INC. | 19 | 7.375% | $255,000 | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 19 | 6.875% | $295,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 18 | 6.625% | $320,000 | 41.9% |
| CALCON MUTUAL MORTGAGE LLC | 17 | 6.625% | $315,000 | 5.6% |
| KIND LENDING, LLC | 17 | 6.875% | $435,000 | 19.1% |
| VILLAGE BANK MORTGAGE CORPORATION | 17 | 6.500% | $325,000 | 0.0% |
| NEWREZ LLC | 16 | 6.625% | $320,000 | 22.7% |
| Broker Solutions, Inc. | 16 | 6.500% | $260,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 16 | 6.558% | $345,000 | 0.0% |
| BERKELEY POINT CAPITAL LLC | 16 | 4.210% | $5,975,000 | 0.0% |
| PHH Mortgage Corporation | 16 | 6.433% | $300,000 | 0.0% |
| USAA Federal Savings Bank | 15 | 6.125% | $405,000 | 31.8% |
| Nations Lending Corporation | 15 | 6.625% | $255,000 | 28.6% |
| UNION HOME MORTGAGE CORP. | 15 | 6.125% | $395,000 | 6.3% |
| TIDEWATER MORTGAGE SERVICES, INC. | 15 | 5.125% | $225,000 | 6.3% |
| CHURCHILL MORTGAGE CORPORATION | 14 | 6.625% | $290,000 | 5.6% |
| Loandepot.Com, LLC | 14 | 6.625% | $560,000 | 0.0% |
| AMWEST FUNDING CORP. | 14 | 7.000% | $290,000 | 0.0% |
| Plains Commerce Bank | 13 | 6.125% | $335,000 | 23.5% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 13 | 6.250% | $285,000 | 0.0% |
| NexBank | 13 | 6.875% | $305,000 | 7.1% |
| SWBC MORTGAGE CORPORATION | 13 | 6.625% | $285,000 | 7.1% |
| EMM LOANS LLC | 13 | 6.625% | $265,000 | 0.0% |
| GUARANTEED RATE, INC. | 12 | 6.313% | $405,000 | 7.1% |
| C&F Select LLC | 12 | 6.625% | $380,000 | 6.7% |
| A&D Mortgage LLC | 12 | 6.625% | $385,000 | 7.7% |
| ZILLOW HOME LOANS, LLC | 12 | 6.625% | $325,000 | 0.0% |
| Manufacturers and Traders Trust Company | 11 | 5.750% | $405,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 10 | 6.500% | $285,000 | 0.0% |
| Commerce Home Mortgage, Inc. | 10 | 7.063% | $330,000 | 0.0% |
| First-Citizens Bank & Trust Company | 10 | 5.875% | $415,000 | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| LOWER, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Sierra Pacific Mortgage Company, Inc. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Click n' Close, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| PNC Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| First National Bank of America | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Argent Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Chesapeake Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| FIRST SAVINGS MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST BANCORP, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Home Mortgage Alliance Corporation (HMAC) | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 63.6% |
| Filo Mortgage, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens and Farmers Bank | 4 | Under 10 loans | Under 10 loans | 44.4% |
| UIF CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| United Nations Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Virginia National Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 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% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 62.5% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PANORAMA MORTGAGE GROUP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION ENERGY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CALL FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Tidewater Home Funding, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES' | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLUS RELOCATION MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LANGLEY Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INSTAMORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LINKBANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Aurora Financial, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truliant Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JAMS-01, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 894500CFQPXSLHK0OK52 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 90.9% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 75.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCE HOUSE LARIBA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CONCEPTS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE BANK AND TRUST FINANCIAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHARTWAY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 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 121 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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.