HomeVirginiaRefinance
refinance lenders · HMDA 2023–2025

Refinance lenders in Virginia

Fat Boy Data analyzed mortgage refinance activity in Virginia to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 46,872 applications were decided by 572 lenders between 2023 and 2025.

Virginia at a glance

572Active lenders168 with 20+ decisions
79.3%Market approval rate37,156 of 46,872 decided
$395KTypical loanmedian lender, $10K brackets
92%Borrower take-up34,030 loans funded

How Virginia compares

Approval rate compared
Virginia79.3%All 616 counties76.5%
Typical loan compared
Virginia$395KAll 616 counties$295K

What the data shows

Truist Bank made the most mortgage refinances in Virginia, 2,259 of them.

Atlantic Bay Mortgage Group, L.L.C. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 244.

The typical mortgage refinance here is $395K, 34% larger than the the United States typical of $295K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 31% approved of 1,004Carrington Mortgage Services, LLC: 43% approved of 159Spring Eq, LLC: 46% approved of 227Lakeview Loan Servicing, LLC: 47% approved of 932Mortgage Research Center, LLC: 55% approved of 1,303Third Federal Savings And Loan Association Of Cleveland: 63% approved of 566Bank of America, National Association: 64% approved of 1,721Dollar Bank, Federal Savings Bank: 65% approved of 201Truist Bank: 66% approved of 3,671Navy Federal Credit Union: 67% approved of 747Pentagon Federal Credit Union: 68% approved of 873TD Bank, National Association: 69% approved of 390PNC Bank, National Association: 70% approved of 1,451Citizens Bank, National Association: 70% approved of 553Citizens and Farmers Bank: 70% approved of 213First National Bank of Pennsylvania: 70% approved of 250First-Citizens Bank & Trust Company: 71% approved of 206Manufacturers and Traders Trust Company: 74% approved of 352Chartway Federal Credit Union: 75% approved of 508Milend, Inc.: 75% approved of 254Virginia Federal Credit Union: 75% approved of 163Newrez LLC: 77% approved of 976Atlantic Union Bank: 77% approved of 560United Bank: 78% approved of 455Wells Fargo Bank, National Association: 78% approved of 438University of Virginia Community Credit Union, Inc.: 81% approved of 175Fulton Bank, National Association: 82% approved of 168Onity Mortgage Corporation: 83% approved of 183Loandepot.Com, LLC: 84% approved of 315Langley Federal Credit Union: 84% approved of 690U.S. Bank National Association: 84% approved of 186Rocket Mortgage, LLC: 85% approved of 2,815Finance of America Reverse LLC: 85% approved of 210United Nations Federal Credit Union: 85% approved of 199ABNB Federal Credit Union: 86% approved of 239Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport Credit Union: 87% approved of 254Prosperity Home Mortgage, LLC: 87% approved of 199Mutual of Omaha Mortgage, Inc.: 88% approved of 320Amerihome Mortgage Company, LLC: 88% approved of 160Capital Center, L.L.C.: 88% approved of 705Nationstar Mortgage LLC: 91% approved of 299LoanUnited.com, LLC: 91% approved of 207TowneBank: 91% approved of 365Pennymac Loan Services, LLC: 91% approved of 1,843Planet Home Lending, LLC: 91% approved of 352United Wholesale Mortgage, LLC: 92% approved of 4,470JPMorgan Chase Bank, National Association: 92% approved of 275Fairway Independent Mortgage Corporation: 92% approved of 210Cmg Mortgage, Inc.: 93% approved of 318Village Capital & Investment LLC: 94% approved of 1,217Movement Mortgage, LLC: 95% approved of 270Alcova Mortgage LLC: 95% approved of 135Freedom Mortgage Corporation: 96% approved of 2,705Guaranteed Rate, Inc.: 97% approved of 338First Heritage Mortgage, LLC: 97% approved of 140Crosscountry Mortgage, LLC: 97% approved of 311American Neighborhood Mortgage Acceptance Company LLC: 97% approved of 158First Savings Mortgage Corporation: 99% approved of 176Atlantic Coast Mortgage, LLC: 99% approved of 267Atlantic Bay Mortgage Group, L.L.C.: 100% approved of 244

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Virginia

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only92%4,093 / 4,47092%$445K3,775
2Truist Bank66%2,440 / 3,67193%$155K2,259
3Rocket Mortgage, LLC85%2,386 / 2,81593%$405K2,229
4Freedom Mortgage Corporation96%2,603 / 2,70575%$395K1,959
5Pennymac Loan Services, LLC91%1,682 / 1,84388%$365K1,474

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

Fat Boy found 567 more lenders.

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Other lending data for Virginia

Counties in Virginia