Mortgage lenders in James City County
2,304 mortgages were made in James City County, Virginia, in 2025, by 261 lenders. The median rate their borrowers got was 6.500% on a median loan of $275,000. Of 2,908 decisions, 506 were denials — 17.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 151 | 6.875% | $245,000 | 8.8% |
| LANGLEY Federal Credit Union | 145 | 6.990% | $105,000 | 12.9% |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | 118 | 5.990% | $125,000 | 24.4% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 110 | 6.625% | $335,000 | 0.9% |
| Prosperity Home Mortgage, LLC | 105 | 6.375% | $355,000 | 1.8% |
| Navy Federal Credit Union | 97 | 7.750% | $145,000 | 26.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 81 | 5.945% | $355,000 | 10.8% |
| Towne Bank | 78 | 7.133% | $260,000 | 5.9% |
| NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION | 75 | 7.250% | $105,000 | 12.2% |
| Truist Bank | 72 | 6.970% | $140,000 | 30.5% |
| MOVEMENT MORTGAGE, LLC | 67 | 6.375% | $365,000 | 2.6% |
| PENNYMAC LOAN SERVICES, LLC | 60 | 6.375% | $235,000 | 22.8% |
| LENNAR MORTGAGE, LLC | 55 | 6.375% | $415,000 | 6.8% |
| Bank of America, National Association | 46 | 6.183% | $135,000 | 38.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 45 | 6.750% | $375,000 | 4.3% |
| Ameris Bank | 44 | 6.375% | $360,000 | 2.2% |
| Towne Mortgage, LLC | 42 | 6.250% | $390,000 | 2.3% |
| FREEDOM MORTGAGE CORPORATION | 38 | 6.125% | $445,000 | 15.1% |
| Citizens and Farmers Bank | 34 | Not published | $100,000 | 21.7% |
| Mortgage Research Center, LLC | 28 | 6.058% | $395,000 | 40.4% |
| Alcova Mortgage LLC | 22 | 6.500% | $330,000 | 4.2% |
| NVR Mortgage Finance, Inc. | 21 | 6.125% | $455,000 | 12.5% |
| Fulton Bank, National Association | 21 | 6.625% | $815,000 | 12.5% |
| C & F Mortgage Corporation | 20 | 6.438% | $350,000 | 0.0% |
| CAPITAL CENTER, L.L.C. | 19 | 6.125% | $355,000 | 17.4% |
| NEWREZ LLC | 18 | 6.750% | $400,000 | 18.2% |
| Loandepot.Com, LLC | 17 | 6.990% | $125,000 | 29.6% |
| PENTAGON FEDERAL CREDIT UNION | 17 | 7.375% | $285,000 | 26.1% |
| CMG MORTGAGE, INC. | 17 | 6.125% | $445,000 | 9.5% |
| CALCON MUTUAL MORTGAGE LLC | 17 | 6.500% | $325,000 | 0.0% |
| PNC Bank, National Association | 16 | 7.395% | $165,000 | 22.7% |
| FIGURE LENDING LLC | 15 | 8.550% | $85,000 | 17.9% |
| JPMorgan Chase Bank, National Association | 15 | 6.375% | $305,000 | 16.7% |
| Atlantic Union Bank | 15 | 7.500% | $165,000 | 16.7% |
| SPRING EQ, LLC | 14 | 8.700% | $90,000 | 50.0% |
| Wells Fargo Bank, National Association | 13 | 6.500% | $315,000 | 27.8% |
| Virginia Credit Union, Inc. | 13 | 6.240% | $205,000 | 7.1% |
| GoPrime Mortgage, Inc. | 13 | 6.125% | $415,000 | 0.0% |
| USAA Federal Savings Bank | 12 | 6.563% | $430,000 | 42.9% |
| NATIONSTAR MORTGAGE LLC | 12 | 7.870% | $105,000 | 14.3% |
| AmeriSave Mortgage Corporation | 11 | 8.250% | $105,000 | 45.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 6.125% | $365,000 | 15.4% |
| GUILD MORTGAGE COMPANY | 11 | 6.750% | $275,000 | 7.7% |
| Chesapeake Bank | 10 | 6.875% | $345,000 | 8.3% |
| Citizens Bank, National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Advance Financial Group, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 47.1% |
| VILLAGE CAPITAL & INVESTMENT LLC | 8 | Under 10 loans | Under 10 loans | 9.1% |
| Kiavi Funding, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GUARANTEED RATE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Morgan Stanley Private Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 6 | Under 10 loans | Under 10 loans | 71.4% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 45.5% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| ZILLOW HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Third Federal Savings and Loan Association of Cleveland | 6 | Under 10 loans | Under 10 loans | 25.0% |
| EMM LOANS LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 25.0% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| QUORUM FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Broker Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ABNB Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| BAYLANDS FAMILY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Tidewater Home Funding, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES' | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 55.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 60.0% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RiverHills Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bank and Trust Company | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TOWER Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DuPont Community Federally Insured State-Chartered Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOGETHER CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 40.0% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 55.6% |
| CHARTWAY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Garrett Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Archer Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Old Point National Bank of Phoebus | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Old Dominion National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Carter Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 85.7% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Allied First Bank,sb | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST OHIO HOME FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 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 | 50.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Peoples Advantage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAFMAA Mortgage Services LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Easy Street Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beacon Credit Union, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Apple Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Griffin Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MYCUMORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TENNESSEE VALLEY FCU | 1 | Under 10 loans | Under 10 loans | 0.0% |
| M SQUARED FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Publix Employees Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FEDERATED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INSTAMORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Guardian Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATIONAL SYSTEMS | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CNB Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPECTRA 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 61 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in James City County
15 FDIC-insured branches from 9 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Chesapeake Bank | 4 | $183.3 million |
| Truist Bank | 3 | $431.9 million |
| Citizens and Farmers Bank | 2 | $173.8 million |
| TowneBank | 1 | $698.7 million |
| Wells Fargo Bank, National Association | 1 | $329.3 million |
| Bank of America, National Association | 1 | $295.0 million |
| Atlantic Union Bank | 1 | $91.4 million |
| JPMorgan Chase Bank, National Association | 1 | $41.7 million |
| PNC Bank, National Association | 1 | $40.4 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- The Old Point National Bank of Phoebus, 4139 Ironbound Rd, Williamsburg
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When the next year’s lending figures are out for James City 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.