Largest lenders in Campbell County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 202 | 161 | 13.9% | 6.50% |
| 2 | United Shore Financial Services | B | 81 | 55 | 12.4% | 6.13% |
| 3 | Truist Bank | C | 73 | 42 | 32.9% | 6.55% |
| 4 | Vanderbilt Mortgage and Finance | F | 71 | 6 | 31.0% | 9.25% |
| 5 | Fairway Independent Mortgage | B | 63 | 48 | 7.9% | 6.63% |
| 6 | Atlantic Bay Mortgage Group | A | 62 | 57 | 0.0% | 6.63% |
| 7 | Alcova Mortgage | A | 49 | 42 | 4.1% | 6.81% |
| 8 | Mortgage Research Center | C | 49 | 17 | 26.5% | 6.25% |
| 9 | Atlantic Coast Mortgage | A | 43 | 36 | 0.0% | 6.81% |
| 10 | First National Bank | B | 40 | 31 | 15.0% | — |
| 11 | 21st Mortgage | F | 39 | 7 | 56.4% | 11.26% |
| 12 | NVR Mortgage Finance | B | 37 | 28 | 13.5% | 6.38% |
| 13 | Virginia Credit Union | D | 37 | 21 | 35.1% | 6.24% |
| 14 | Freedom Mortgage | B | 36 | 13 | 5.6% | 6.25% |
| 15 | Beacon Credit Union | C | 31 | 20 | 32.3% | 5.99% |
| 16 | Lower | C | 30 | 25 | 0.0% | 6.75% |
| 17 | Newrez | D | 30 | 10 | 23.3% | 6.63% |
| 18 | Bank of America | F | 29 | 10 | 17.2% | 6.49% |
| 19 | First Bancorp | B | 25 | 19 | 4.0% | 7.50% |
| 20 | Lakeview Loan Servicing | C | 24 | 12 | 33.3% | 6.69% |
| 21 | Nationstar Mortgage | C | 24 | 21 | 0.0% | 8.38% |
| 22 | Navy Federal Credit Union | D | 24 | 16 | 8.3% | 7.38% |
| 23 | Pennymac Loan Services | C | 23 | 9 | 13.0% | 5.99% |
| 24 | Coastal Community Bank | C | 23 | 4 | 0.0% | 8.99% |
| 25 | Atlantic Union Bank | C | 21 | 17 | 9.5% | 6.63% |
Best approval odds in Campbell County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Atlantic Bay Mortgage Group | 57 | 0.0% |
| 2 | Fairway Independent Mortgage | 53 | 9.4% |
| 3 | Rocket Mortgage | 193 | 14.5% |
| 4 | United Shore Financial Services | 67 | 14.9% |
| 5 | Truist Bank | 66 | 36.4% |
What Campbell County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Campbell County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,689 | 983 | 20.1% | 6.85% | $155,000 |
| 2024 | 1,921 | 1,097 | 19.3% | 6.88% | $185,000 |
| 2025 | 1,962 | 1,218 | 15.5% | 6.63% | $205,000 |
Frequently asked questions
15.5% of applications in Campbell County were denied in 2025, against 15.9% statewide in Virginia.
Rocket Mortgage, with 202 applications in 2025 and a denial rate of 13.9%.
The median mortgage application in Campbell County in 2025 was for $205,000; the median property value on originated loans was $305,000.