Largest lenders in Westmoreland County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 79 | 58 | 17.7% | 6.63% |
| 2 | Navy Federal Credit Union | D | 69 | 31 | 20.3% | 6.63% |
| 3 | Atlantic Union Bank | C | 58 | 40 | 24.1% | 7.00% |
| 4 | Vanderbilt Mortgage and Finance | F | 55 | 4 | 38.2% | 8.63% |
| 5 | United Shore Financial Services | B | 49 | 36 | 8.2% | 6.12% |
| 6 | Newrez | D | 45 | 14 | 17.8% | 5.75% |
| 7 | Mortgage Research Center | C | 44 | 25 | 13.6% | 6.25% |
| 8 | Pennymac Loan Services | C | 42 | 22 | 9.5% | 6.43% |
| 9 | Movement Mortgage | A | 38 | 24 | 2.6% | 6.63% |
| 10 | Truist Bank | C | 36 | 26 | 19.4% | 6.60% |
| 11 | Freedom Mortgage | B | 35 | 19 | 5.7% | 6.13% |
| 12 | Fairway Independent Mortgage | B | 23 | 15 | 4.4% | 6.25% |
| 13 | C & F Mortgage | A | 23 | 20 | 0.0% | 6.63% |
| 14 | AmeriSave Mortgage | D | 22 | 8 | 54.6% | 7.56% |
| 15 | United Bank | C | 22 | 20 | 4.6% | 6.56% |
| 16 | Atlantic Coast Mortgage | A | 22 | 18 | 0.0% | 6.49% |
| 17 | Virginia Credit Union | D | 21 | 12 | 28.6% | 6.66% |
| 18 | Prosperity Home Mortgage | A | 19 | 18 | 5.3% | 6.25% |
| 19 | Citizens and Farmers Bank | D | 18 | 11 | 27.8% | — |
| 20 | Topside Federal Credit Union | D | 18 | 7 | 55.6% | 8.00% |
| 21 | Loandepot.Com | D | 18 | 6 | 38.9% | 8.38% |
| 22 | Guaranteed Rate | B | 17 | 15 | 5.9% | 6.49% |
| 23 | Lakeview Loan Servicing | C | 15 | 3 | 53.3% | 5.63% |
| 24 | Spring Eq | D | 14 | 7 | 21.4% | 9.52% |
| 25 | Broker Solutions | D | 13 | 5 | 30.8% | 6.99% |
Best approval odds in Westmoreland County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Rocket Mortgage | 72 | 19.4% |
| 2 | Atlantic Union Bank | 54 | 25.9% |
What Westmoreland County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Westmoreland County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,026 | 580 | 20.9% | 6.75% | $205,000 |
| 2024 | 1,154 | 651 | 18.8% | 6.75% | $245,000 |
| 2025 | 1,305 | 746 | 17.3% | 6.50% | $245,000 |
Frequently asked questions
17.3% of applications in Westmoreland County were denied in 2025, against 15.9% statewide in Virginia.
Rocket Mortgage, with 79 applications in 2025 and a denial rate of 17.7%.
The median mortgage application in Westmoreland County in 2025 was for $245,000; the median property value on originated loans was $335,000.