Largest lenders in Louisa County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 164 | 121 | 15.9% | 6.63% |
| 2 | University of Virginia Community Credit Union | F | 143 | 78 | 21.7% | — |
| 3 | Navy Federal Credit Union | D | 112 | 52 | 22.3% | 6.69% |
| 4 | United Shore Financial Services | B | 110 | 65 | 20.0% | 6.13% |
| 5 | Vanderbilt Mortgage and Finance | F | 99 | 3 | 44.4% | 8.99% |
| 6 | Truist Bank | C | 94 | 52 | 35.1% | 6.49% |
| 7 | Ixonia Bank | C | 77 | 56 | 2.6% | 6.75% |
| 8 | Virginia Credit Union | D | 68 | 50 | 16.2% | 6.50% |
| 9 | Freedom Mortgage | B | 67 | 30 | 7.5% | 6.25% |
| 10 | Movement Mortgage | A | 53 | 38 | 3.8% | 6.38% |
| 11 | United Bank | C | 49 | 28 | 26.5% | 6.81% |
| 12 | Pennymac Loan Services | C | 48 | 27 | 14.6% | 6.50% |
| 13 | Atlantic Union Bank | C | 46 | 28 | 34.8% | 7.50% |
| 14 | Mortgage Research Center | C | 44 | 15 | 29.6% | 6.13% |
| 15 | Crosscountry Mortgage | B | 43 | 27 | 2.3% | 6.63% |
| 16 | Bank of America | F | 40 | 15 | 30.0% | 6.24% |
| 17 | Newrez | D | 36 | 14 | 25.0% | 7.25% |
| 18 | CMG Mortgage | A | 33 | 26 | 0.0% | 6.44% |
| 19 | Atlantic Coast Mortgage | A | 33 | 30 | 3.0% | 6.56% |
| 20 | AmeriSave Mortgage | D | 31 | 5 | 74.2% | 6.63% |
| 21 | Capital Center | C | 31 | 22 | 12.9% | 6.50% |
| 22 | Spring Eq | D | 30 | 8 | 50.0% | 9.00% |
| 23 | NFM | A | 30 | 27 | 3.3% | 6.75% |
| 24 | Loandepot.Com | D | 30 | 17 | 23.3% | 6.63% |
| 25 | Broker Solutions | D | 28 | 9 | 10.7% | 7.00% |
Best approval odds in Louisa County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Ixonia Bank | 58 | 3.5% |
| 2 | Rocket Mortgage | 154 | 16.9% |
| 3 | Virginia Credit Union | 61 | 18.0% |
| 4 | United Shore Financial Services | 91 | 24.2% |
| 5 | University of Virginia Community Credit Union | 110 | 28.2% |
| 6 | Navy Federal Credit Union | 80 | 31.3% |
| 7 | Truist Bank | 86 | 38.4% |
What Louisa County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Louisa County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,003 | 1,143 | 20.8% | 6.99% | $215,000 |
| 2024 | 2,319 | 1,320 | 19.9% | 6.88% | $245,000 |
| 2025 | 2,628 | 1,534 | 17.3% | 6.59% | $275,000 |
Frequently asked questions
17.3% of applications in Louisa County were denied in 2025, against 15.9% statewide in Virginia.
Rocket Mortgage, with 164 applications in 2025 and a denial rate of 15.9%.
The median mortgage application in Louisa County in 2025 was for $275,000; the median property value on originated loans was $425,000.