Mortgage lenders in Bedford County
2,146 mortgages were made in Bedford County, Virginia, in 2025, by 284 lenders. The median rate their borrowers got was 6.625% on a median loan of $235,000. Of 2,847 decisions, 586 were denials — 20.6%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 198 | 6.625% | $215,000 | 18.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 109 | 6.125% | $305,000 | 4.2% |
| Virginia Credit Union, Inc. | 101 | 6.240% | $95,000 | 34.0% |
| Truist Bank | 98 | 6.925% | $115,000 | 28.8% |
| Atlantic Union Bank | 93 | 7.500% | $155,000 | 22.8% |
| Alcova Mortgage LLC | 80 | 6.875% | $305,000 | 5.5% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 73 | 6.625% | $255,000 | 5.2% |
| FREEDOM FIRST Federal Credit Union | 56 | 6.875% | $185,000 | 14.3% |
| Fairway Independent Mortgage Corporation | 55 | 6.625% | $295,000 | 0.0% |
| FIRST BANCORP, INC. | 55 | 7.125% | $205,000 | 1.7% |
| First-Citizens Bank & Trust Company | 39 | 6.490% | $105,000 | 12.8% |
| Beacon Credit Union, Incorporated | 37 | 5.990% | $95,000 | 37.3% |
| Mortgage Research Center, LLC | 32 | 6.188% | $305,000 | 27.3% |
| Navy Federal Credit Union | 31 | 7.650% | $195,000 | 25.0% |
| BLUE EAGLE CREDIT UNION | 29 | 6.250% | $65,000 | 19.4% |
| SWBC MORTGAGE CORPORATION | 28 | 6.688% | $295,000 | 0.0% |
| Loandepot.Com, LLC | 27 | 7.125% | $155,000 | 24.3% |
| Waterstone Mortgage Corporation | 27 | 7.000% | $205,000 | 6.9% |
| EMM LOANS LLC | 27 | 6.125% | $315,000 | 0.0% |
| CNB Bank | 26 | 6.250% | $330,000 | 16.1% |
| NATIONSTAR MORTGAGE LLC | 26 | 7.875% | $85,000 | 10.3% |
| FREEDOM MORTGAGE CORPORATION | 25 | 6.250% | $265,000 | 21.6% |
| Atlantic Coast Mortgage, LLC | 25 | 6.490% | $335,000 | 0.0% |
| LOWER, LLC | 25 | 6.500% | $265,000 | 3.7% |
| NEWREZ LLC | 22 | 6.250% | $295,000 | 38.9% |
| MOVEMENT MORTGAGE, LLC | 22 | 6.875% | $330,000 | 3.5% |
| PENNYMAC LOAN SERVICES, LLC | 21 | 5.875% | $315,000 | 7.4% |
| UNION HOME MORTGAGE CORP. | 20 | 6.438% | $260,000 | 19.2% |
| Citizens Bank, National Association | 19 | 6.750% | $235,000 | 0.0% |
| T2 FINANCIAL LLC | 18 | 6.562% | $340,000 | 0.0% |
| Integrity Home Mortgage Corporation | 18 | 6.688% | $320,000 | 0.0% |
| AmeriSave Mortgage Corporation | 16 | 7.875% | $95,000 | 51.5% |
| GUARANTEED RATE, INC. | 16 | 6.750% | $215,000 | 5.9% |
| Bank of Botetourt | 16 | Not published | $405,000 | 5.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 15 | 6.240% | $235,000 | 0.0% |
| Bank of America, National Association | 14 | 6.183% | $175,000 | 41.7% |
| Wells Fargo Bank, National Association | 14 | 6.313% | $370,000 | 11.8% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 13 | 8.990% | $175,000 | 80.8% |
| Select Bank | 13 | Not published | $285,000 | 0.0% |
| Pinnacle Bank | 12 | 7.125% | $185,000 | 0.0% |
| KIND LENDING, LLC | 11 | 6.875% | $195,000 | 31.3% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 11 | 6.375% | $255,000 | 0.0% |
| SPRING EQ, LLC | 10 | 8.325% | $75,000 | 67.7% |
| CMG MORTGAGE, INC. | 10 | 6.058% | $380,000 | 7.7% |
| CAPITAL CENTER, L.L.C. | 10 | 6.500% | $255,000 | 0.0% |
| NATION ONE MORTGAGE CORPORATION | 10 | 6.688% | $265,000 | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 10 | 6.933% | $355,000 | 0.0% |
| Coastal Community Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Renasant Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| PENTAGON FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 38.5% |
| FIRST COMMUNITY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 54.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| JPMorgan Chase Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Prosperity Home Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 6 | Under 10 loans | Under 10 loans | 68.4% |
| FIGURE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 45.0% |
| Carter Bank & Trust | 6 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Bank of the James | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Gateway First Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Reliance Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 50.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 20.0% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 44.4% |
| GUILD MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Click n' Close, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 68.8% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Farm Credit of the Virginias, ACA | 4 | Under 10 loans | Under 10 loans | 50.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST BANK | 4 | Under 10 loans | Under 10 loans | 20.0% |
| INTERCOASTAL MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers Bank of Appomattox | 4 | Under 10 loans | Under 10 loans | 20.0% |
| United Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First National Bank of Pennsylvania | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SKYLINE NATIONAL BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENERAL ELECTRIC EMPLOYEES FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONAL BANKSHARES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 57.1% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Kiavi Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 20.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Truliant Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RBC Bank, (Georgia) National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL VIRGINIA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| C & F Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DuPont Community Federally Insured State-Chartered Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Strategic Funding, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 81.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 71.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HomeTrust Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| U S WIDE FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES' | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Partners Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| C&F Select LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fulton Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 80.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NVR Mortgage Finance, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Benchmark Community Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ValleyStar Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| F & M BANK CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Towne First Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Fidelity Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JOHNS HOPKINS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Apple Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE BANK OF MARION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GVC MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EASTMAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 84 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Bedford County
20 FDIC-insured branches from 12 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Atlantic Union Bank | 3 | $337.7 million |
| Select Bank | 2 | $272.5 million |
| Truist Bank | 2 | $205.1 million |
| Bank of the James | 2 | $198.9 million |
| Carter Bank & Trust | 2 | $91.6 million |
| First National Bank | 2 | $72.0 million |
| First-Citizens Bank & Trust Company | 2 | $53.6 million |
| Wells Fargo Bank, National Association | 1 | $280.2 million |
| The First Bank and Trust Company | 1 | $220.0 million |
| Pinnacle Bank | 1 | $99.2 million |
| Bank of Botetourt | 1 | $38.1 million |
| Woodforest National Bank | 1 | $5.7 million |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.