APR.net

Mortgage lenders in Virginia

236 lenders originated 182,761 mortgages in Virginia in 2025, about 90% of everything lent in the state. What each of them charged.

Lenders here
236
State median rate
6.625%

National 6.625%

State median fees
$5,846

National $5,786

Every lender that originated at least 1,000 mortgages nationally in 2025 and lent in Virginia, ranked by loans made here. Together they account for 90% of the 203,054 mortgages originated in the state; the rest came from smaller lenders that fall below the threshold. The last column is how much of each lender's national business is in Virginia — a local institution and a national one can sit on the same row with very different reasons for being here.

Lender Loans here Median fees Median rate Share of its book
Rocket Mortgage, LLC 14,489 $5,010 6.625% 3.4%
UNITED SHORE FINANCIAL SERVICES, LLC 10,136 $7,870 6.124% 2.4%
Navy Federal Credit Union 9,684 $2,066 7.750% 12.0%
Truist Bank 6,374 $5,264 6.490% 15.5%
Mortgage Research Center, LLC 4,500 $6,020 6.250% 5.4%
MOVEMENT MORTGAGE, LLC 4,339 $6,534 6.562% 7.5%
PENNYMAC LOAN SERVICES, LLC 4,338 $5,140 6.375% 4.3%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 4,244 $7,307 6.500% 32.5%
FREEDOM MORTGAGE CORPORATION 3,646 $6,907 6.250% 5.2%
Virginia Credit Union, Inc. 3,576 $3,193 6.240% 99.4%
Atlantic Coast Mortgage, LLC 3,458 $6,762 6.490% 60.4%
Atlantic Union Bank 3,237 $5,649 7.500% 63.4%
CROSSCOUNTRY MORTGAGE, INC. 2,938 $8,060 6.575% 2.4%
NVR Mortgage Finance, Inc. 2,711 $7,519 6.125% 16.5%
LANGLEY Federal Credit Union 2,701 $4,072 6.990% 91.2%
Bank of America, National Association 2,688 $4,665 6.240% 3.0%
Alcova Mortgage LLC 2,663 $4,525 6.625% 43.0%
First Heritage Mortgage, LLC 2,637 $7,289 6.375% 35.7%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2,520 $8,358 6.500% 20.7%
CMG MORTGAGE, INC. 2,325 $7,620 6.250% 3.3%
Loandepot.Com, LLC 2,215 $4,400 6.990% 2.4%
NEWREZ LLC 2,175 $5,326 6.375% 3.3%
Prosperity Home Mortgage, LLC 2,141 $6,008 6.500% 10.3%
Towne Bank 2,077 $6,783 6.750% 35.6%
NATIONSTAR MORTGAGE LLC 1,764 $3,932 7.990% 3.4%
Fairway Independent Mortgage Corporation 1,757 $6,702 6.500% 2.4%
GUARANTEED RATE, INC. 1,737 $5,889 6.250% 2.5%
PNC Bank, National Association 1,721 $4,953 7.770% 2.8%
CAPITAL CENTER, L.L.C. 1,645 6.375% 81.1%
C & F Mortgage Corporation 1,514 $6,240 6.500% 82.1%
NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION 1,502 $3,923 7.490% 96.4%
PENTAGON FEDERAL CREDIT UNION 1,455 $5,328 7.625% 13.2%
JPMorgan Chase Bank, National Association 1,406 $4,522 6.490% 1.5%
United Bank 1,374 $5,140 6.490% 44.4%
INTERCOASTAL MORTGAGE, LLC 1,359 $6,635 6.375% 51.4%
SOUTHERN TRUST MORTGAGE, LLC 1,342 $8,553 6.500% 64.0%
DuPont Community Federally Insured State-Chartered Credit Union 1,330 $3,016 7.250% 100.0%
NFM, INC. 1,310 $8,034 6.625% 6.9%
Wells Fargo Bank, National Association 1,270 $4,719 6.375% 3.1%
FIGURE LENDING LLC 1,180 8.900% 3.5%
Apple Federal Credit Union 1,101 $5,097 7.490% 89.6%
GUILD MORTGAGE COMPANY 1,028 $7,341 6.500% 1.2%
SPRING EQ, LLC 1,024 $1,724 9.575% 3.2%
Integrity Home Mortgage Corporation 1,016 $7,359 6.625% 32.7%
Citizens Bank, National Association 994 $7,391 7.650% 1.4%
AmeriSave Mortgage Corporation 957 $5,164 8.250% 3.9%
Kiavi Funding, Inc. 903 9.950% 3.5%
Manufacturers and Traders Trust Company 902 $5,509 5.990% 3.8%
AMERICAN FINANCIAL NETWORK, INC. 897 $9,449 6.625% 6.8%
Broker Solutions, Inc. 894 $8,825 6.750% 1.6%
U.S. Bank National Association 880 $4,493 6.625% 1.2%
MUTUAL OF OMAHA MORTGAGE, INC. 839 $9,860 6.375% 3.5%
Coastal Community Bank 824 9.990% 3.9%
Presidential Bank, FSB 809 $7,169 6.625% 26.4%
Fulton Bank, National Association 797 $6,247 6.490% 12.5%
Northwest Federal Credit Union 766 $273 7.000% 61.4%
FIRST SAVINGS MORTGAGE CORPORATION 765 $6,947 6.500% 44.3%
FIRST BANCORP, INC. 765 $3,863 7.375% 74.3%
CALCON MUTUAL MORTGAGE LLC 747 $8,810 6.490% 17.7%
Ameris Bank 724 $6,638 6.375% 5.5%
UNION HOME MORTGAGE CORP. 713 $7,266 6.375% 1.9%
TIDEWATER MORTGAGE SERVICES, INC. 708 $9,626 6.500% 40.9%
First National Bank of Pennsylvania 684 $4,957 6.250% 4.3%
TOWER Federal Credit Union 681 7.000% 18.8%
First-Citizens Bank & Trust Company 664 $4,110 6.385% 4.6%
DHI MORTGAGE COMPANY, LTD. 657 $8,515 5.500% 0.9%
LOWER, LLC 635 $7,723 6.624% 3.5%
EASTMAN CREDIT UNION 626 $3,496 7.375% 15.5%
CHARTWAY FEDERAL CREDIT UNION 606 2.990% 50.3%
LAKEVIEW LOAN SERVICING, LLC 600 $2,929 6.433% 3.7%
EMBRACE HOME LOANS, INC. 582 $6,969 6.313% 13.0%
VANDERBILT MORTGAGE AND FINANCE, INC. 580 $7,535 9.250% 2.9%
VILLAGE CAPITAL & INVESTMENT LLC 580 $6,156 5.750% 5.3%
THE LOAN STORE, INC. 545 $7,336 6.875% 1.4%
SOFI BANK, NATIONAL ASSOCIATION 529 $2,057 7.740% 3.3%
Third Federal Savings and Loan Association of Cleveland 526 6.990% 2.5%
CARRINGTON MORTGAGE SERVICES, LLC 525 $6,584 6.625% 3.5%
KIND LENDING, LLC 523 $8,502 6.625% 1.8%
FIRST COMMUNITY MORTGAGE, INC. 503 $8,103 6.490% 4.9%
PLANET HOME LENDING, LLC 490 $4,702 5.990% 3.4%
USAA Federal Savings Bank 488 $5,717 6.250% 4.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. 485 $4,741 10.040% 2.8%
SWBC MORTGAGE CORPORATION 456 $4,588 6.625% 7.1%
TD Bank, National Association 450 $2,899 7.440% 1.9%
FIRST HOME MORTGAGE CORPORATION 448 $9,668 6.625% 8.5%
The Federal Savings Bank 437 $11,075 6.500% 5.3%
ZILLOW HOME LOANS, LLC 436 $5,924 6.500% 3.0%
AMERICAN FINANCIAL RESOURCES, INC. 429 $10,875 6.250% 3.7%
Waterstone Mortgage Corporation 402 $7,799 6.625% 5.7%
PROVIDENT FUNDING ASSOCIATES, L.P. 397 $4,455 6.375% 3.3%
Bank-Fund Staff Federal Credit Union 397 $4,492 6.500% 34.0%
Vellum Mortgage, Inc. 393 $7,632 6.624% 23.3%
BETTER MORTGAGE CORPORATION 387 $4,206 8.250% 2.7%
NEW DAY FINANCIAL, LLC 372 $12,660 6.990% 4.4%
EMM LOANS LLC 364 $8,474 6.375% 5.6%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 361 $8,731 6.750% 2.9%
PHH Mortgage Corporation 355 $6,132 6.375% 4.6%
GoodLeap, LLC 353 $11,466 6.125% 3.6%
GUARANTEED RATE AFFINITY, LLC 351 $5,976 6.375% 2.2%
T2 FINANCIAL LLC 334 $8,696 6.500% 3.6%
LoanUnited.com, LLC 330 $9,372 6.125% 7.9%
City National Bank of West Virginia 328 $200 6.290% 11.1%
Truliant Federal Credit Union 322 7.250% 7.7%
Discover Bank 317 8.830% 3.3%
Equity Prime Mortgage LLC 315 $14,869 6.625% 2.6%
OCMBC, INC. 312 $12,838 7.375% 1.9%
Citibank, National Association 311 $5,683 6.125% 2.0%
United Nations Federal Credit Union 309 $4,751 5.750% 20.7%
Ixonia Bank 290 $8,371 6.625% 3.4%
LENNAR MORTGAGE, LLC 285 $5,578 6.125% 0.5%
Morgan Stanley Private Bank, National Association 267 $4,759 5.950% 2.5%
NBKC BANK 252 $3,726 6.125% 3.7%
Pinnacle Bank 248 $4,523 6.625% 4.5%
Paramount Residential Mortgage Group, Inc. 247 $8,176 6.625% 1.1%
SUN WEST MORTGAGE COMPANY, INC. 245 $10,158 5.990% 2.9%
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 244 $8,440 6.250% 6.1%
AMWEST FUNDING CORP. 241 6.875% 2.0%
A&D Mortgage LLC 238 $9,276 6.500% 1.6%
LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation 233 $4,034 5.995% 4.0%
AMERIHOME MORTGAGE COMPANY, LLC 230 $6,023 6.375% 2.5%
AMERICAN PACIFIC MORTGAGE CORPORATION 229 $9,446 6.750% 0.9%
Dollar Bank, Federal Savings Bank 228 6.750% 4.6%
CREDIT UNION MORTGAGE ASSOCIATION, INC. 226 $4,688 5.875% 16.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY 225 $6,380 6.625% 0.9%
MORIA DEVELOPMENT, INC. 219 $7,284 6.490% 7.3%
CNB Bank 217 $3,965 6.375% 10.7%
Plains Commerce Bank 213 $8,519 6.500% 1.7%
ALLIANT CREDIT UNION 212 $4,092 7.750% 2.5%
HOMEAMERICAN MORTGAGE CORPORATION 210 $5,569 4.999% 3.9%
DEEPHAVEN MORTGAGE LLC 205 $7,844 7.500% 2.5%
ANGEL OAK MORTGAGE SOLUTIONS LLC 201 $9,742 7.374% 3.2%
TOWNE MORTGAGE COMPANY 199 $6,122 6.375% 2.7%
Commerce Home Mortgage, Inc. 193 $15,315 7.250% 2.2%
Southern Bank and Trust Company 193 7.250% 12.4%
PULTE MORTGAGE LLC 190 $798 6.188% 1.0%
BAY EQUITY LLC 190 $5,337 6.625% 4.3%
RELIANCE FIRST CAPITAL, LLC 190 $9,074 6.500% 4.8%
FINANCE OF AMERICA REVERSE LLC 189 6.250% 2.2%
Sierra Pacific Mortgage Company, Inc. 189 $8,186 6.625% 2.5%
EVERETT FINANCIAL, INC. 188 $9,037 6.750% 1.2%
EMET LENDING GROUP, INC. 184 $8,552 6.875% 13.5%
PLAZA HOME MORTGAGE, INC. 183 $10,199 6.625% 1.3%
STATE EMPLOYEES' 178 $4,818 6.150% 0.6%
CHURCHILL MORTGAGE CORPORATION 178 $6,804 6.500% 2.9%
SUMMIT FUNDING, INC. 176 $11,717 6.375% 3.1%
QUORUM FEDERAL CREDIT UNION 171 8.740% 3.4%
NATIONS DIRECT MORTGAGE, LLC 168 $10,272 6.490% 2.8%
STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED 168 $5,794 5.750% 6.0%
21st Mortgage Corporation 161 9.550% 0.6%
TOLL BROTHERS MORTGAGE COMPANY 161 $7,070 6.490% 3.3%
Renasant Bank 156 $4,497 6.625% 1.7%
Luminate Bank 155 $8,383 6.624% 1.8%
The Dart Bank 153 $8,257 6.250% 3.7%
Lakeview Community Capital, LLC 149 $7,215 5.990% 3.4%
LIMA ONE CAPITAL, LLC 149 9.400% 6.5%
First Federal Bank 147 $5,256 5.990% 3.1%
First Reliance Bank 146 $4,364 6.625% 11.7%
HOMEXPRESS MORTGAGE CORP. 143 7.500% 1.8%
CHAMPIONS FUNDING, LLC 140 $13,844 7.750% 1.3%
ARK-LA-TEX FINANCIAL SERVICES, LLC. 139 $6,953 6.490% 0.9%
Hometown Equity Mortgage, LLC 138 7.000% 1.8%
Tomo Mortgage, LLC 137 $3,929 6.375% 3.9%
Valon Mortgage, Inc. 136 8.000% 3.1%
NATION ONE MORTGAGE CORPORATION 133 $10,053 6.625% 6.3%
Charles Schwab Bank, SSB 132 $5,118 5.625% 2.2%
Primis Mortgage Company 132 $7,902 6.624% 4.6%
SouthState Bank, National Association 129 $4,845 6.590% 1.3%
Loan Funder LLC 129 9.750% 1.4%
Armed Forces Bank, National Association 128 $5,748 6.250% 9.6%
ALL CREDIT CONSIDERED MORTGAGE, INC. 124 $14,831 7.375% 7.2%
ENVOY MORTGAGE, LTD 122 $6,928 6.625% 2.2%
LONGBRIDGE FINANCIAL, LLC 121 6.125% 2.4%
LENDINGONE, LLC 120 7.040% 4.8%
AMERICAN PORTFOLIO MORTGAGE CORPORATION 119 $7,269 6.625% 4.0%
MILEND, INC. 115 $14,192 6.250% 7.9%
Click n' Close, Inc. 113 $6,502 7.125% 1.1%
NexBank 113 $7,836 6.500% 2.0%
Investor Mortgage Finance LLC 112 7.287% 5.1%
GUIDANCE RESIDENTIAL, LLC 111 $5,358 6.625% 3.9%
Bethpage Federal Credit Union 109 6.490% 1.5%
Barrington Bank & Trust Company, National Association 105 $5,496 6.750% 1.4%
Cornerstone First Mortgage, Inc 105 $9,814 6.750% 1.4%
WesBanco Bank, Inc. 105 $9,493 6.625% 1.7%
RCN Capital, LLC 102 7.696% 1.4%
CLEARPATH LENDING 102 $5,071 5.688% 5.7%
Liberty 101 $4,439 7.000% 1.7%
Home Mortgage Alliance Corporation (HMAC) 101 $11,690 7.125% 5.1%
Loansteady LLC 100 $5,716 6.490% 8.0%
KEYSTONE FUNDING, INC. 97 $11,510 6.500% 2.6%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 95 $6,235 6.625% 1.4%
Nations Lending Corporation 95 $9,841 6.375% 1.4%
Shore United Bank, N.A. 95 $9,918 6.240% 7.4%
First National Bank of America 94 $11,097 8.750% 3.5%
AMERICAN FINANCING CORPORATION 92 $10,053 6.125% 1.7%
FIRST COLONY MORTGAGE CORPORATION 90 $7,585 6.375% 1.0%
ROYAL UNITED MORTGAGE LLC 90 $7,817 6.625% 1.8%
First Horizon Bank 89 7.250% 1.1%
Filo Mortgage, L.L.C. 89 $6,224 6.375% 3.5%
VELOCITY COMMERCIAL CAPITAL, LLC 86 9.865% 1.7%
MORTGAGE ACCESS CORP. 82 $5,963 6.495% 5.2%
DOMINION FINANCIAL SERVICES, LLC 80 7.490% 3.0%
Flagstar Bank, N.A. 79 $7,407 6.375% 0.8%
Magnolia Bank, Incorporated 78 $16,235 6.125% 1.9%
ROSS MORTGAGE CORPORATION 76 $7,473 6.750% 7.4%
AMERICAN HERITAGE LENDING, LLC 74 7.375% 1.6%
NEW WAVE LENDING GROUP INC 74 7.000% 1.8%
GoPrime Mortgage, Inc. 74 $9,551 6.250% 5.1%
MLD MORTGAGE INC. 73 $7,445 6.313% 1.5%
DELMAR FINANCIAL COMPANY 71 $4,517 6.500% 3.0%
AAA CAPITAL INVESTMENT, INC. 70 6.750% 3.0%
PANORAMA MORTGAGE GROUP, LLC 70 7.750% 3.5%
Citadel Servicing Corporation 69 7.500% 1.0%
ARC HOME LLC 69 7.250% 2.2%
Loan Simple, Inc. 69 $11,783 6.990% 3.7%
The Fidelity Bank 69 7.500% 5.9%
Northpointe Bank 67 $4,258 6.250% 1.0%
HomeTrust Bank 66 7.500% 3.4%
UIF CORPORATION 66 $5,098 6.813% 3.9%
General Mortgage Capital Corporation 65 $4,395 6.375% 1.4%
FIRST EQUITY MORTGAGE INCORPORATED 65 $6,661 6.125% 5.1%
BPL MORTGAGE TRUST, LLC 64 7.250% 0.9%
DIGITAL 64 7.500% 1.7%
STG MORTGAGE INC 64 $19,258 6.750% 2.3%
ANCHOR LOANS, LP 63 9.250% 4.0%
Easy Street Capital, LLC 61 9.900% 2.5%
Stifel Bank and Trust 60 6.125% 1.3%
NMSI, INC. 60 $9,952 6.750% 1.8%
RESICENTRAL, LLC 57 $8,923 6.375% 1.1%
OriginPoint, LLC 56 $6,377 6.563% 0.9%
UBS Bank USA 56 $5,476 6.063% 1.7%
TOP FLITE FINANCIAL, INC. 54 $15,252 6.875% 1.8%
The Huntington National Bank 51 $5,423 6.500% 0.1%
DAS Acquisition Company, LLC 51 $10,640 6.625% 0.7%
Premia Mortgage, LLC DBA Premia Relocation Mortgage 51 $495 6.125% 3.0%
Baxter Credit Union 50 7.625% 1.6%
RESIDENTIAL WHOLESALE MORTGAGE, INC. 50 $4,937 6.433% 2.2%

Figures are medians of loans actually originated in , as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for % of loans here — see methodology.