Largest lenders in Goochland County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Truist Bank | C | 104 | 61 | 28.9% | 6.60% |
| 2 | Rocket Mortgage | C | 85 | 69 | 5.9% | 6.63% |
| 3 | Virginia Credit Union | D | 83 | 63 | 9.6% | 6.24% |
| 4 | Capital Center | C | 44 | 28 | 6.8% | 6.06% |
| 5 | United Shore Financial Services | B | 40 | 30 | 10.0% | 6.50% |
| 6 | Towne Bank | B | 36 | 28 | 0.0% | 6.75% |
| 7 | Navy Federal Credit Union | D | 35 | 17 | 22.9% | 6.25% |
| 8 | Bank of America | F | 34 | 19 | 14.7% | 6.24% |
| 9 | Vanderbilt Mortgage and Finance | F | 32 | 4 | 46.9% | 6.56% |
| 10 | C & F Mortgage | A | 31 | 24 | 0.0% | 6.38% |
| 11 | United Bank | C | 30 | 20 | 20.0% | 7.10% |
| 12 | Pennymac Loan Services | C | 29 | 19 | 0.0% | 6.37% |
| 13 | Atlantic Union Bank | C | 28 | 21 | 14.3% | 7.50% |
| 14 | Newrez | D | 26 | 9 | 11.5% | 6.99% |
| 15 | Loandepot.Com | D | 26 | 20 | 11.5% | 6.81% |
| 16 | CMG Mortgage | A | 24 | 19 | 0.0% | 6.49% |
| 17 | Fulton Bank | C | 21 | 15 | 4.8% | 6.50% |
| 18 | U.S. Bank | D | 21 | 14 | 14.3% | 6.69% |
| 19 | Citizens and Farmers Bank | D | 20 | 14 | 25.0% | — |
| 20 | Movement Mortgage | A | 19 | 15 | 0.0% | 6.50% |
| 21 | Atlantic Bay Mortgage Group | A | 18 | 14 | 0.0% | 6.43% |
| 22 | Towne First Mortgage | B | 17 | 9 | 5.9% | 6.99% |
| 23 | Crosscountry Mortgage | B | 17 | 13 | 0.0% | 6.99% |
| 24 | First Heritage Mortgage | A | 17 | 11 | 5.9% | 6.48% |
| 25 | Coastal Community Bank | C | 17 | 5 | 0.0% | 11.49% |
Best approval odds in Goochland County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Rocket Mortgage | 80 | 6.3% |
| 2 | Virginia Credit Union | 74 | 10.8% |
| 3 | Truist Bank | 93 | 32.3% |
What Goochland County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Goochland County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,065 | 642 | 19.0% | 6.88% | $255,000 |
| 2024 | 1,214 | 739 | 16.5% | 6.88% | $255,000 |
| 2025 | 1,362 | 855 | 13.1% | 6.63% | $305,000 |
Frequently asked questions
13.1% of applications in Goochland County were denied in 2025, against 15.9% statewide in Virginia.
Truist Bank, with 104 applications in 2025 and a denial rate of 28.9%.
The median mortgage application in Goochland County in 2025 was for $305,000; the median property value on originated loans was $645,000.