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mortgage lenders · HMDA 2023–2025

Mortgage lenders in Albemarle County, Virginia

Fat Boy Data analyzed home purchase mortgage activity in Albemarle County, Virginia, home to Scottsville, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 3,825 applications were decided by 267 lenders between 2023 and 2025.

Albemarle County at a glance

267Active lenders40 with 20+ decisions
91.7%Market approval rate3,506 of 3,825 decided
$405KTypical loanmedian lender, $10K brackets
98%Borrower take-up3,432 loans funded

How Albemarle County compares

Approval rate compared
Albemarle County91.7%Virginia92.1%All 616 counties87.6%
Typical loan compared
Albemarle County$405KVirginia$415KAll 616 counties$335K

What the data shows

First Heritage Mortgage, LLC made the most home purchase mortgages in Albemarle County, VA, 354 of them.

Gray Fox Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 222.

Approval rate of all 40 lenders with 20+ decisions here
0%25%50%75%100%One lender: 13% approved of 136One lender: 62% approved of 29One lender: 80% approved of 25One lender: 85% approved of 40One lender: 86% approved of 81One lender: 87% approved of 38One lender: 89% approved of 56University of Virginia Community Credit Union, Inc.: 90% approved of 162One lender: 90% approved of 149One lender: 91% approved of 22One lender: 91% approved of 89One lender: 92% approved of 26One lender: 92% approved of 79One lender: 95% approved of 86Fulton Bank, National Association: 96% approved of 271One lender: 96% approved of 24One lender: 96% approved of 25One lender: 96% approved of 52One lender: 97% approved of 29United Wholesale Mortgage, LLC: 97% approved of 181One lender: 97% approved of 33One lender: 98% approved of 126One lender: 98% approved of 48One lender: 99% approved of 72One lender: 99% approved of 76One lender: 99% approved of 80First Heritage Mortgage, LLC: 100% approved of 355Gray Fox Mortgage, LLC: 100% approved of 222One lender: 100% approved of 91One lender: 100% approved of 57One lender: 100% approved of 46One lender: 100% approved of 45One lender: 100% approved of 38One lender: 100% approved of 34One lender: 100% approved of 33One lender: 100% approved of 31One lender: 100% approved of 26One lender: 100% approved of 25One lender: 100% approved of 23One lender: 100% approved of 20

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Mortgage lenders in Albemarle County

LenderApprovalApprovedTaken upTypical loanLoans made
1First Heritage Mortgage, LLC100%354 / 355100%$395K354
2Fulton Bank, National Association96%259 / 27198%$595K255
3Gray Fox Mortgage, LLC100%222 / 222100%$415K221
4United Wholesale Mortgage, LLCBroker only97%175 / 18198%$405K172
5University of Virginia Community Credit Union, Inc.90%145 / 16296%$375K139

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 262 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest home purchase mortgage lenders in Albemarle County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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