Largest lenders in Buckingham County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 85 | 5 | 34.1% | 8.75% |
| 2 | Rocket Mortgage | C | 35 | 25 | 22.9% | 6.75% |
| 3 | Virginia Credit Union | D | 24 | 14 | 25.0% | 6.44% |
| 4 | Truist Bank | C | 22 | 10 | 50.0% | 6.54% |
| 5 | Navy Federal Credit Union | D | 18 | 10 | 16.7% | 6.19% |
| 6 | University of Virginia Community Credit Union | F | 15 | 6 | 26.7% | — |
| 7 | Pennymac Loan Services | C | 14 | 7 | 21.4% | 6.38% |
| 8 | AmeriSave Mortgage | D | 14 | 4 | 64.3% | 6.63% |
| 9 | United Shore Financial Services | B | 14 | 11 | 0.0% | 6.13% |
| 10 | Crosscountry Mortgage | B | 13 | 7 | 23.1% | 6.25% |
| 11 | Alcova Mortgage | A | 13 | 11 | 7.7% | 6.88% |
| 12 | The Farmers Bank of Appomattox | A | 13 | 11 | 7.7% | — |
| 13 | Freedom Mortgage | B | 13 | 3 | 7.7% | 5.75% |
| 14 | New Day Financial | F | 12 | 2 | 41.7% | 6.93% |
| 15 | Benchmark Community Bank | C | 12 | 10 | 0.0% | 7.17% |
| 16 | Bank of America | F | 11 | 3 | 54.6% | 6.13% |
| 17 | Movement Mortgage | A | 11 | 7 | 0.0% | 7.00% |
| 18 | Mortgage Research Center | C | 9 | 4 | 11.1% | 6.12% |
| 19 | Loandepot.Com | D | 9 | 3 | 44.4% | 8.38% |
| 20 | Newrez | D | 8 | 2 | 25.0% | 7.13% |
| 21 | Village Capital & Investment | C | 7 | 1 | 42.9% | 5.75% |
| 22 | Ixonia Bank | C | 7 | 6 | 0.0% | 6.75% |
| 23 | Carrington Mortgage Services | D | 7 | 3 | 57.1% | 6.13% |
| 24 | Nationstar Mortgage | C | 7 | 5 | 0.0% | 6.38% |
| 25 | Swbc Mortgage | A | 7 | 5 | 0.0% | 6.99% |
What Buckingham County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Buckingham County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 511 | 232 | 25.2% | 6.99% | $155,000 |
| 2024 | 540 | 259 | 25.6% | 6.89% | $155,000 |
| 2025 | 593 | 294 | 23.3% | 6.75% | $185,000 |
Frequently asked questions
23.3% of applications in Buckingham County were denied in 2025, against 15.9% statewide in Virginia.
Vanderbilt Mortgage and Finance, with 85 applications in 2025 and a denial rate of 34.1%.
The median mortgage application in Buckingham County in 2025 was for $185,000; the median property value on originated loans was $305,000.