Largest lenders in Chesterfield County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 178 | 45 | 39.9% | 10.81% |
| 2 | Founders Federal Credit Union | D | 161 | 91 | 26.7% | 7.38% |
| 3 | Vanderbilt Mortgage and Finance | F | 132 | 8 | 48.5% | 9.93% |
| 4 | Rocket Mortgage | C | 68 | 49 | 19.1% | 6.75% |
| 5 | First-Citizens Bank & Trust | B | 60 | 37 | 26.7% | 6.77% |
| 6 | NVR Mortgage Finance | B | 40 | 26 | 32.5% | 6.31% |
| 7 | Triad Financial Services | D | 38 | 14 | 39.5% | 8.41% |
| 8 | United Shore Financial Services | B | 33 | 20 | 21.2% | 6.12% |
| 9 | Movement Mortgage | A | 33 | 23 | 3.0% | 6.25% |
| 10 | Guild Mortgage | A | 32 | 21 | 6.3% | 6.38% |
| 11 | Fairway Independent Mortgage | B | 29 | 25 | 0.0% | 6.25% |
| 12 | Mortgage Research Center | C | 29 | 17 | 20.7% | 6.25% |
| 13 | State Employees' | C | 23 | 13 | 30.4% | 6.15% |
| 14 | Crosscountry Mortgage | B | 22 | 11 | 0.0% | 6.58% |
| 15 | New Day Financial | F | 20 | 1 | 20.0% | 6.99% |
| 16 | Broker Solutions | D | 20 | 10 | 10.0% | 6.93% |
| 17 | Southwest Stage Funding | F | 19 | 7 | 0.0% | 9.20% |
| 18 | Freedom Mortgage | B | 16 | 6 | 18.8% | 6.50% |
| 19 | Pennymac Loan Services | C | 13 | 3 | 7.7% | 5.63% |
| 20 | AmeriSave Mortgage | D | 12 | 5 | 58.3% | 6.13% |
| 21 | Safe Federal Credit Union | C | 12 | 9 | 8.3% | 6.88% |
| 22 | First Bank | C | 12 | 11 | 8.3% | 7.13% |
| 23 | Truist Bank | C | 11 | 7 | 18.2% | 6.60% |
| 24 | Wells Fargo Bank | B | 10 | 6 | 0.0% | 6.44% |
| 25 | Newrez | D | 10 | 1 | 30.0% | 6.24% |
Best approval odds in Chesterfield County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Rocket Mortgage | 63 | 20.6% |
| 2 | Founders Federal Credit Union | 143 | 30.1% |
| 3 | First-Citizens Bank & Trust | 53 | 30.2% |
| 4 | 21st Mortgage | 117 | 60.7% |
| 5 | Vanderbilt Mortgage and Finance | 74 | 86.5% |
What Chesterfield County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Chesterfield County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,223 | 489 | 31.4% | 7.00% | $125,000 |
| 2024 | 1,284 | 551 | 27.8% | 6.88% | $135,000 |
| 2025 | 1,384 | 642 | 25.7% | 6.75% | $145,000 |
Frequently asked questions
25.7% of applications in Chesterfield County were denied in 2025, against 18.3% statewide in South Carolina.
21st Mortgage, with 178 applications in 2025 and a denial rate of 39.9%.
The median mortgage application in Chesterfield County in 2025 was for $145,000; the median property value on originated loans was $225,000.