Largest lenders in Pittsylvania County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 166 | 119 | 19.9% | 6.63% |
| 2 | Vanderbilt Mortgage and Finance | F | 104 | 6 | 38.5% | 8.87% |
| 3 | Alcova Mortgage | A | 95 | 80 | 0.0% | 6.63% |
| 4 | Atlantic Union Bank | C | 91 | 62 | 25.3% | 7.19% |
| 5 | United Shore Financial Services | B | 87 | 51 | 9.2% | 6.13% |
| 6 | Truist Bank | C | 64 | 30 | 35.9% | 6.90% |
| 7 | First-Citizens Bank & Trust | B | 54 | 31 | 29.6% | 6.49% |
| 8 | First National Bank | B | 45 | 32 | 8.9% | — |
| 9 | Mortgage Research Center | C | 43 | 20 | 25.6% | 6.38% |
| 10 | Movement Mortgage | A | 38 | 26 | 5.3% | 6.56% |
| 11 | Pennymac Loan Services | C | 36 | 22 | 13.9% | 7.81% |
| 12 | AmeriSave Mortgage | D | 36 | 8 | 72.2% | 6.94% |
| 13 | Loandepot.Com | D | 35 | 16 | 34.3% | 6.56% |
| 14 | 21st Mortgage | F | 32 | 8 | 46.9% | 9.49% |
| 15 | Freedom Mortgage | B | 32 | 17 | 6.3% | 6.25% |
| 16 | Broker Solutions | D | 32 | 11 | 0.0% | 6.75% |
| 17 | Atlantic Bay Mortgage Group | A | 29 | 21 | 10.3% | 6.49% |
| 18 | Navy Federal Credit Union | D | 29 | 16 | 20.7% | 7.65% |
| 19 | Carter Bank & Trust | C | 28 | 16 | 39.3% | 7.75% |
| 20 | Coastal Community Bank | C | 28 | 6 | 3.6% | 10.87% |
| 21 | Newrez | D | 26 | 9 | 23.1% | 6.63% |
| 22 | Beacon Credit Union | C | 25 | 11 | 28.0% | 6.79% |
| 23 | Spring Eq | D | 24 | 8 | 37.5% | 9.76% |
| 24 | Carrington Mortgage Services | D | 21 | 7 | 42.9% | 6.13% |
| 25 | Crosscountry Mortgage | B | 20 | 8 | 20.0% | 6.58% |
Best approval odds in Pittsylvania County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Alcova Mortgage | 86 | 0.0% |
| 2 | United Shore Financial Services | 61 | 13.1% |
| 3 | Rocket Mortgage | 156 | 21.2% |
| 4 | Atlantic Union Bank | 86 | 26.7% |
| 5 | First-Citizens Bank & Trust | 50 | 32.0% |
| 6 | Truist Bank | 54 | 42.6% |
What Pittsylvania County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Pittsylvania County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,436 | 774 | 22.8% | 7.00% | $135,000 |
| 2024 | 1,497 | 835 | 20.8% | 6.88% | $145,000 |
| 2025 | 1,820 | 946 | 22.6% | 6.63% | $145,000 |
Frequently asked questions
22.6% of applications in Pittsylvania County were denied in 2025, against 15.9% statewide in Virginia.
Rocket Mortgage, with 166 applications in 2025 and a denial rate of 19.9%.
The median mortgage application in Pittsylvania County in 2025 was for $145,000; the median property value on originated loans was $255,000.