Home purchase lenders in Fairfax County
10,737 home purchase mortgages were made in Fairfax County, Virginia, in 2025, by 431 lenders. The median rate their borrowers got was 6.375% on a median loan of $595,000. Of 11,749 decisions, 797 were denials — 6.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 481 | 6.500% | $555,000 | 6.9% |
| Atlantic Coast Mortgage, LLC | 472 | 6.490% | $525,000 | 1.6% |
| Rocket Mortgage, LLC | 467 | 6.375% | $565,000 | 7.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 428 | 6.495% | $635,000 | 0.9% |
| First Heritage Mortgage, LLC | 390 | 6.375% | $565,000 | 2.5% |
| Truist Bank | 381 | 6.190% | $665,000 | 7.8% |
| INTERCOASTAL MORTGAGE, LLC | 325 | 6.375% | $655,000 | 3.5% |
| Navy Federal Credit Union | 310 | 6.125% | $605,000 | 10.9% |
| GUARANTEED RATE, INC. | 285 | 6.250% | $655,000 | 1.7% |
| Prosperity Home Mortgage, LLC | 262 | 6.490% | $615,000 | 1.9% |
| FIRST SAVINGS MORTGAGE CORPORATION | 252 | 6.375% | $650,000 | 0.8% |
| MOVEMENT MORTGAGE, LLC | 249 | 6.375% | $615,000 | 4.7% |
| CMG MORTGAGE, INC. | 248 | 6.250% | $650,000 | 1.5% |
| Fairway Independent Mortgage Corporation | 222 | 6.500% | $595,000 | 3.9% |
| Manufacturers and Traders Trust Company | 177 | 5.625% | $765,000 | 3.8% |
| PENNYMAC LOAN SERVICES, LLC | 173 | 6.125% | $665,000 | 6.5% |
| Mortgage Research Center, LLC | 159 | 5.875% | $625,000 | 6.9% |
| NVR Mortgage Finance, Inc. | 149 | 6.375% | $505,000 | 11.8% |
| JPMorgan Chase Bank, National Association | 145 | 6.375% | $605,000 | 5.2% |
| Bank of America, National Association | 143 | 6.000% | $505,000 | 25.4% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 129 | 6.250% | $625,000 | 0.8% |
| NFM, INC. | 126 | 6.563% | $555,000 | 2.3% |
| EMBRACE HOME LOANS, INC. | 125 | 6.375% | $595,000 | 2.3% |
| GUARANTEED RATE AFFINITY, LLC | 118 | 6.375% | $625,000 | 0.0% |
| Wells Fargo Bank, National Association | 114 | 6.125% | $655,000 | 14.8% |
| Citizens Bank, National Association | 108 | 6.375% | $605,000 | 9.9% |
| FIRST HOME MORTGAGE CORPORATION | 106 | 6.625% | $605,000 | 2.8% |
| Citibank, National Association | 104 | 6.063% | $770,000 | 9.6% |
| GUILD MORTGAGE COMPANY | 103 | 6.490% | $565,000 | 1.0% |
| JAMS-01, INC. | 103 | 6.500% | $555,000 | 1.9% |
| Ameris Bank | 99 | 6.375% | $555,000 | 7.4% |
| Vellum Mortgage, Inc. | 99 | 6.500% | $565,000 | 1.0% |
| United Bank | 94 | 6.250% | $545,000 | 3.1% |
| PENTAGON FEDERAL CREDIT UNION | 84 | 6.188% | $505,000 | 30.9% |
| ZILLOW HOME LOANS, LLC | 83 | 6.375% | $485,000 | 7.8% |
| U.S. Bank National Association | 81 | 6.490% | $605,000 | 7.8% |
| Bank-Fund Staff Federal Credit Union | 75 | 5.750% | $655,000 | 5.0% |
| Atlantic Union Bank | 70 | 6.433% | $680,000 | 9.0% |
| First National Bank of Pennsylvania | 63 | 5.875% | $885,000 | 13.7% |
| EMET LENDING GROUP, INC. | 62 | 6.750% | $500,000 | 0.0% |
| The Freedom Bank of Virginia | 62 | 6.375% | $635,000 | 4.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 61 | 6.375% | $585,000 | 4.6% |
| BAY EQUITY LLC | 58 | 6.750% | $460,000 | 1.7% |
| Alcova Mortgage LLC | 55 | 6.490% | $565,000 | 0.0% |
| NEWREZ LLC | 53 | 6.250% | $695,000 | 6.9% |
| Broker Solutions, Inc. | 50 | 6.625% | $545,000 | 13.8% |
| FREEDOM MORTGAGE CORPORATION | 49 | 4.500% | $645,000 | 5.8% |
| Morgan Stanley Private Bank, National Association | 48 | 5.900% | $950,000 | 3.9% |
| PNC Bank, National Association | 46 | 6.375% | $525,000 | 19.3% |
| United Nations Federal Credit Union | 45 | 5.750% | $605,000 | 6.1% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 44 | 6.433% | $545,000 | 12.0% |
| AMWEST FUNDING CORP. | 43 | 6.750% | $455,000 | 10.4% |
| Apple Federal Credit Union | 41 | 5.750% | $485,000 | 8.9% |
| A&D Mortgage LLC | 41 | 6.490% | $475,000 | 4.7% |
| Towne Bank | 41 | 6.490% | $705,000 | 2.3% |
| Presidential Bank, FSB | 40 | 6.500% | $550,000 | 0.0% |
| LOWER, LLC | 39 | 6.500% | $525,000 | 0.0% |
| KIND LENDING, LLC | 38 | 6.625% | $570,000 | 25.0% |
| INSTAMORTGAGE INC. | 34 | 6.125% | $540,000 | 5.1% |
| NATIONS DIRECT MORTGAGE, LLC | 33 | 6.375% | $595,000 | 5.7% |
| SWBC MORTGAGE CORPORATION | 33 | 6.125% | $525,000 | 0.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 33 | 6.490% | $485,000 | 2.7% |
| Fulton Bank, National Association | 33 | 6.500% | $835,000 | 2.9% |
| AMERICAN FINANCIAL NETWORK, INC. | 32 | 6.875% | $535,000 | 11.1% |
| Tomo Mortgage, LLC | 31 | 6.375% | $605,000 | 8.8% |
| THE LOAN STORE, INC. | 31 | 6.490% | $485,000 | 5.7% |
| SELECT LENDING SERVICES LLC | 31 | 6.625% | $575,000 | 0.0% |
| Bank of Clarke | 30 | Not published | $525,000 | 9.1% |
| Charles Schwab Bank, SSB | 30 | 5.500% | $860,000 | 0.0% |
| USAA Federal Savings Bank | 29 | 6.375% | $615,000 | 40.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 29 | 5.875% | $655,000 | 6.5% |
| Loansteady LLC | 28 | 6.500% | $600,000 | 3.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 28 | 6.750% | $560,000 | 6.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 27 | 6.250% | $625,000 | 3.5% |
| Northwest Federal Credit Union | 26 | 6.438% | $355,000 | 6.7% |
| Loandepot.Com, LLC | 26 | 6.495% | $610,000 | 7.1% |
| TD Bank, National Association | 24 | 6.250% | $855,000 | 38.5% |
| City Lending Inc. | 24 | 7.188% | $520,000 | 18.8% |
| UNION HOME MORTGAGE CORP. | 24 | 6.625% | $525,000 | 4.0% |
| The Dart Bank | 24 | 6.125% | $520,000 | 9.4% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 23 | 5.625% | $975,000 | 4.2% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 23 | 7.250% | $515,000 | 0.0% |
| OCMBC, INC. | 22 | 7.437% | $510,000 | 16.7% |
| Paramount Residential Mortgage Group, Inc. | 22 | 6.125% | $650,000 | 8.3% |
| First Federal Bank | 22 | 5.933% | $660,000 | 18.5% |
| NATIONSTAR MORTGAGE LLC | 22 | 5.933% | $640,000 | 11.5% |
| Kiavi Funding, Inc. | 22 | 9.950% | $655,000 | 11.5% |
| MainStreet Bank | 22 | Not published | $1,420,000 | 8.3% |
| Luminate Bank | 21 | 6.625% | $615,000 | 0.0% |
| Shore United Bank, N.A. | 21 | 6.125% | $1,575,000 | 4.6% |
| TOWER Federal Credit Union | 20 | 7.000% | $235,000 | 20.0% |
| GUIDANCE RESIDENTIAL, LLC | 20 | 6.875% | $590,000 | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 20 | 6.750% | $545,000 | 4.8% |
| General Mortgage Capital Corporation | 20 | 6.125% | $680,000 | 0.0% |
| Old Dominion National Bank | 20 | 6.495% | $1,030,000 | 0.0% |
| NBKC BANK | 19 | 6.375% | $565,000 | 9.5% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 19 | 6.750% | $705,000 | 0.0% |
| MORTGAGE ACCESS CORP. | 19 | 6.625% | $545,000 | 13.6% |
| Capital Bank, National Association | 19 | 6.750% | $605,000 | 0.0% |
| CAPITAL CENTER, L.L.C. | 18 | 6.188% | $535,000 | 5.3% |
| FIDELITY DIRECT MORTGAGE, LLC | 18 | 6.370% | $540,000 | 13.6% |
| OriginPoint, LLC | 18 | 6.750% | $650,000 | 5.3% |
| Burke & Herbert Bank & Trust Company | 18 | 6.313% | $565,000 | 10.0% |
| SUMMIT FUNDING, INC. | 17 | 6.625% | $425,000 | 5.6% |
| Bank of Charles Town | 17 | Not published | $535,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 16 | 6.625% | $605,000 | 10.0% |
| ENVOY MORTGAGE, LTD | 16 | 6.625% | $545,000 | 5.9% |
| Armed Forces Bank, National Association | 16 | 6.125% | $740,000 | 0.0% |
| 254900YZ174H294JW398 | 16 | 6.500% | $895,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 15 | 6.120% | $535,000 | 9.5% |
| State Department Federal Credit Union | 15 | 5.625% | $555,000 | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 15 | 6.125% | $685,000 | 0.0% |
| T2 FINANCIAL LLC | 15 | 6.625% | $465,000 | 0.0% |
| NMSI, INC. | 15 | 6.750% | $525,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 14 | 6.500% | $570,000 | 31.8% |
| Commerce Home Mortgage, Inc. | 14 | 7.813% | $605,000 | 11.8% |
| The Federal Savings Bank | 14 | 6.500% | $600,000 | 6.7% |
| AAA CAPITAL INVESTMENT, INC. | 14 | 6.688% | $515,000 | 0.0% |
| Trustar Bank | 14 | Not published | $1,475,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 13 | 6.375% | $595,000 | 7.1% |
| Sierra Pacific Mortgage Company, Inc. | 13 | 6.625% | $525,000 | 23.5% |
| Primis Mortgage Company | 13 | 6.750% | $575,000 | 7.1% |
| LIMA ONE CAPITAL, LLC | 13 | 8.350% | $595,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 12 | 2.750% | $575,000 | 25.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 12 | 7.750% | $320,000 | 7.7% |
| KEYSTONE FUNDING, INC. | 12 | 6.563% | $640,000 | 0.0% |
| NEW WAVE LENDING GROUP INC | 11 | 7.000% | $485,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 11 | 7.999% | $505,000 | 21.4% |
| MORIA DEVELOPMENT, INC. | 11 | 6.250% | $235,000 | 0.0% |
| Waterstone Mortgage Corporation | 11 | 6.500% | $675,000 | 0.0% |
| Plains Commerce Bank | 10 | 6.625% | $550,000 | 9.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 10 | 6.561% | $510,000 | 0.0% |
| MERIDIAN BANK | 10 | 6.250% | $615,000 | 9.1% |
| Citadel Servicing Corporation | 10 | 7.437% | $495,000 | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 10 | 6.750% | $430,000 | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 10 | 5.750% | $585,000 | 16.7% |
| Strong Home Mortgage, LLC | 10 | 6.375% | $635,000 | 9.1% |
| Woori America Bank | 10 | Not published | $605,000 | 0.0% |
| EMM LOANS LLC | 10 | 6.625% | $615,000 | 9.1% |
| UBS Bank USA | 10 | 6.375% | $965,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 2.688% | $670,000 | 0.0% |
| ARC HOME LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| American Security Mortgage Corp. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 9 | Under 10 loans | Under 10 loans | 9.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| WesBanco Bank, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Dollar Bank, Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 41.7% |
| EVERETT FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 7 | Under 10 loans | Under 10 loans | 11.1% |
| OceanFirst Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| C & F Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Northpointe Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Cornerstone First Mortgage, Inc | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NexBank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| GEO-CORP, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| IDB Global Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Virginia Credit Union, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| 9845007CY0EC0F59W414 | 5 | Under 10 loans | Under 10 loans | 37.5% |
| First National Bank of America | 5 | Under 10 loans | Under 10 loans | 16.7% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| BMO Bank National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MLD MORTGAGE INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLUS RELOCATION MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 25.0% |
| GENEVA FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ANDREWS FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Farmers Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BNY Mellon, National Association | 4 | 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 231 lenders each made 4 or fewer mortgages here, and are counted in the totals above.
Get told when this changes
When the next year’s lending figures are out for Fairfax County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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. 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.