Largest lenders in Amelia County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 42 | 2 | 21.4% | 8.13% |
| 2 | Rocket Mortgage | C | 41 | 33 | 12.2% | 6.88% |
| 3 | Truist Bank | C | 40 | 18 | 37.5% | 6.27% |
| 4 | Virginia Credit Union | D | 35 | 28 | 14.3% | 6.50% |
| 5 | United Shore Financial Services | B | 28 | 22 | 0.0% | 6.06% |
| 6 | Citizens Bank and Trust | C | 20 | 12 | 15.0% | — |
| 7 | Alcova Mortgage | A | 16 | 13 | 0.0% | 6.75% |
| 8 | Freedom Mortgage | B | 16 | 6 | 12.5% | 5.81% |
| 9 | First Heritage Mortgage | A | 15 | 11 | 13.3% | 6.50% |
| 10 | Mortgage Research Center | C | 14 | 8 | 14.3% | 6.50% |
| 11 | Navy Federal Credit Union | D | 14 | 6 | 14.3% | 6.06% |
| 12 | Benchmark Community Bank | C | 12 | 10 | 16.7% | 7.34% |
| 13 | Pennymac Loan Services | C | 11 | 4 | 9.1% | 6.31% |
| 14 | AmeriSave Mortgage | D | 11 | 5 | 45.5% | 7.88% |
| 15 | C & F Mortgage | A | 11 | 9 | 0.0% | 6.63% |
| 16 | Bank of America | F | 9 | 3 | 33.3% | 6.24% |
| 17 | Crosscountry Mortgage | B | 9 | 3 | 0.0% | 6.20% |
| 18 | Citizens and Farmers Bank | D | 9 | 7 | 22.2% | — |
| 19 | Guild Mortgage | A | 9 | 6 | 0.0% | 6.38% |
| 20 | Movement Mortgage | A | 8 | 6 | 0.0% | 6.78% |
| 21 | Southern Trust Mortgage | B | 7 | 7 | 0.0% | 6.75% |
| 22 | Broker Solutions | D | 7 | 1 | 0.0% | 6.88% |
| 23 | American Financial Resources | B | 7 | 7 | 0.0% | 5.75% |
| 24 | C&F Select | B | 6 | 5 | 0.0% | 6.63% |
| 25 | Spring Eq | D | 6 | 2 | 66.7% | 8.43% |
What Amelia County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Amelia County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 491 | 261 | 26.9% | 7.00% | $155,000 |
| 2024 | 512 | 290 | 22.1% | 6.75% | $195,000 |
| 2025 | 614 | 365 | 14.7% | 6.63% | $215,000 |
Frequently asked questions
14.7% of applications in Amelia County were denied in 2025, against 15.9% statewide in Virginia.
Vanderbilt Mortgage and Finance, with 42 applications in 2025 and a denial rate of 21.4%.
The median mortgage application in Amelia County in 2025 was for $215,000; the median property value on originated loans was $375,000.