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Greene County, Virginia · 2025

Mortgage lenders in Greene County, VA: denial rates and top lenders (2025)

159 lenders acted on 952 mortgage applications for properties in Greene County in 2025. 15.7% were denied (Virginia: 15.9%). Median rate on closed loans 6.50%; median loan $275,000; median property value $425,000.

952Applications
15.7%Denial ratestate 15.9%
6.50%Median ratestate 6.63%
$275,000Median loan
$425,000Median property value

Largest lenders in Greene County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 University of Virginia Community Credit Union F 8346 10.8%—
2 NVR Mortgage Finance B 7463 8.1%6.25%
3 Rocket Mortgage C 6557 9.2%6.49%
4 United Shore Financial Services B 3121 16.1%6.09%
5 Fulton Bank C 3021 10.0%6.31%
6 Vanderbilt Mortgage and Finance F 301 50.0%11.25%
7 Truist Bank C 2513 36.0%7.45%
8 Bank of America F 216 33.3%6.12%
9 Mortgage Research Center C 217 28.6%6.75%
10 Navy Federal Credit Union D 2013 20.0%7.75%
11 Pennymac Loan Services C 1910 15.8%8.69%
12 Newrez D 188 16.7%6.75%
13 First Heritage Mortgage A 1814 5.6%6.50%
14 Freedom Mortgage B 165 6.3%6.25%
15 CMG Mortgage A 1614 0.0%6.44%
16 Prosperity Home Mortgage A 1610 6.3%6.50%
17 K. Hovnanian American Mortgage B 1610 12.5%6.69%
18 Atlantic Coast Mortgage A 1514 0.0%6.19%
19 AmeriSave Mortgage D 134 30.8%8.31%
20 Ixonia Bank C 1311 0.0%6.50%
21 Guild Mortgage A 1210 0.0%6.12%
22 Loandepot.Com D 127 33.3%7.56%
23 Coastal Community Bank C 122 0.0%10.99%
24 Discover Bank F 112 54.6%8.13%
25 Spring Eq D 112 63.6%9.90%

Best approval odds in Greene County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1NVR Mortgage Finance698.7%
2Rocket Mortgage639.5%
3University of Virginia Community Credit Union5815.5%

What Greene County borrowers applied for

By loan purpose

Home purchase 441 46% · 11.3% denied
Refinance 135 14% · 9.6% denied
Cash-out refinance 169 18% · 19.5% denied
Home improvement 85 9% · 23.5% denied
Other / HELOC 122 13% · 27.1% denied

By loan type

Conventional 673 71% · 16.6% denied
FHA 142 15% · 14.8% denied
VA 127 13% · 12.6% denied
USDA / RHS 10 1% · 0.0% denied

Why applications were denied

Credit history 41 30%
Debt-to-income ratio 36 26%
Collateral 18 13%
Incomplete application 18 13%
Other 10 7%
Unverifiable information 8 6%
Employment history 3 2%
Insufficient cash 2 1%

Greene County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202371841819.6%6.88%$200,000
202486146421.5%6.75%$235,000
202595257815.7%6.50%$275,000

Frequently asked questions

15.7% of applications in Greene County were denied in 2025, against 15.9% statewide in Virginia.

University of Virginia Community Credit Union, with 83 applications in 2025 and a denial rate of 10.8%.

The median mortgage application in Greene County in 2025 was for $275,000; the median property value on originated loans was $425,000.