Largest lenders in Bristol city
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Eastman Credit Union | D | 132 | 76 | 34.1% | 7.31% |
| 2 | Rocket Mortgage | C | 45 | 32 | 13.3% | 6.31% |
| 3 | Movement Mortgage | A | 38 | 25 | 7.9% | 6.75% |
| 4 | First Bancorp | B | 32 | 28 | 6.3% | 7.50% |
| 5 | Vanderbilt Mortgage and Finance | F | 32 | 2 | 56.3% | 11.37% |
| 6 | Mortgage Research Center | C | 22 | 16 | 0.0% | 6.56% |
| 7 | United Shore Financial Services | B | 16 | 13 | 0.0% | 6.09% |
| 8 | The Bank of Marion | B | 16 | 13 | 18.8% | — |
| 9 | Gvc Mortgage | B | 14 | 9 | 0.0% | 6.25% |
| 10 | Cardinal Financial Company, Limited Partnership | B | 13 | 5 | 7.7% | 6.75% |
| 11 | Wells Fargo Bank | B | 12 | 6 | 16.7% | 6.38% |
| 12 | AmeriSave Mortgage | D | 12 | 4 | 58.3% | 8.63% |
| 13 | Broker Solutions | D | 11 | 8 | 9.1% | 6.63% |
| 14 | First Community Bank | F | 11 | 7 | 9.1% | 7.50% |
| 15 | Pennymac Loan Services | C | 10 | 7 | 0.0% | 6.75% |
| 16 | Truist Bank | C | 9 | 2 | 44.4% | 6.81% |
| 17 | Coastal Community Bank | C | 9 | 2 | 11.1% | 10.99% |
| 18 | Legacy Bank | – | 9 | 9 | 0.0% | — |
| 19 | Regions Bank | C | 8 | 3 | 37.5% | 6.13% |
| 20 | New Peoples Bank | B | 8 | 6 | 0.0% | 7.11% |
| 21 | First Horizon Bank | B | 7 | 4 | 28.6% | 7.27% |
| 22 | Newrez | D | 7 | 2 | 14.3% | 6.31% |
| 23 | Navy Federal Credit Union | D | 7 | 3 | 28.6% | 5.63% |
| 24 | Renasant Bank | B | 7 | 4 | 42.9% | 7.18% |
| 25 | Freedom Mortgage | B | 6 | 4 | 16.7% | 6.75% |
Best approval odds in Bristol city
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Eastman Credit Union | 123 | 36.6% |
What Bristol city borrowers applied for
By loan purpose
By loan type
Why applications were denied
Bristol city by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 582 | 348 | 17.4% | 7.13% | $135,000 |
| 2024 | 607 | 360 | 19.3% | 6.99% | $135,000 |
| 2025 | 674 | 392 | 20.9% | 6.88% | $145,000 |
Frequently asked questions
20.9% of applications in Bristol city were denied in 2025, against 15.9% statewide in Virginia.
Eastman Credit Union, with 132 applications in 2025 and a denial rate of 34.1%.
The median mortgage application in Bristol city in 2025 was for $145,000; the median property value on originated loans was $225,000.