Mortgage Lender Index

Mortgage lenders in Fredericksburg city

497 mortgages were made in Fredericksburg city, Virginia, in 2025, by 165 lenders. The median rate their borrowers got was 6.500% on a median loan of $345,000. Of 652 decisions, 120 were denials — 18.4%, most often for debt-to-income ratio.

LenderMortgages madeMedian rateMedian loanDenied
Rocket Mortgage, LLC 38 6.500% $345,000 13.3%
Navy Federal Credit Union 34 7.850% $150,000 22.2%
MOVEMENT MORTGAGE, LLC 25 6.250% $445,000 3.6%
Atlantic Union Bank 22 7.250% $260,000 11.5%
UNITED SHORE FINANCIAL SERVICES, LLC 21 6.428% $395,000 24.1%
LINKBANK 17 Not published $185,000 5.0%
Atlantic Coast Mortgage, LLC 17 6.625% $355,000 0.0%
Ameris Bank 13 6.125% $375,000 0.0%
Fairway Independent Mortgage Corporation 12 6.250% $325,000 0.0%
FREEDOM MORTGAGE CORPORATION 11 5.750% $465,000 0.0%
PNC Bank, National Association 11 0.250% $175,000 25.0%
Mortgage Research Center, LLC 9 Under 10 loans Under 10 loans 30.8%
PENNYMAC LOAN SERVICES, LLC 9 Under 10 loans Under 10 loans 15.4%
NVR Mortgage Finance, Inc. 9 Under 10 loans Under 10 loans 10.0%
Prosperity Home Mortgage, LLC 9 Under 10 loans Under 10 loans 0.0%
Truist Bank 8 Under 10 loans Under 10 loans 25.0%
Virginia Credit Union, Inc. 7 Under 10 loans Under 10 loans 22.2%
Kiavi Funding, Inc. 7 Under 10 loans Under 10 loans 0.0%
C & F Mortgage Corporation 7 Under 10 loans Under 10 loans 0.0%
GUARANTEED RATE, INC. 7 Under 10 loans Under 10 loans 0.0%
NATIONSTAR MORTGAGE LLC 6 Under 10 loans Under 10 loans 25.0%
MORIA DEVELOPMENT, INC. 6 Under 10 loans Under 10 loans 0.0%
CMG MORTGAGE, INC. 6 Under 10 loans Under 10 loans 0.0%
Shore United Bank, N.A. 6 Under 10 loans Under 10 loans 0.0%
SUMMIT FUNDING, INC. 6 Under 10 loans Under 10 loans 0.0%
PENTAGON FEDERAL CREDIT UNION 5 Under 10 loans Under 10 loans 50.0%
First Heritage Mortgage, LLC 5 Under 10 loans Under 10 loans 0.0%
NEWREZ LLC 4 Under 10 loans Under 10 loans 63.6%
Bank of America, National Association 4 Under 10 loans Under 10 loans 63.6%
AMERICAN FINANCIAL NETWORK, INC. 4 Under 10 loans Under 10 loans 33.3%
Manufacturers and Traders Trust Company 4 Under 10 loans Under 10 loans 33.3%
Topside Federal Credit Union 4 Under 10 loans Under 10 loans 20.0%
AMERICAN PACIFIC MORTGAGE CORPORATION 4 Under 10 loans Under 10 loans 0.0%
Alcova Mortgage LLC 4 Under 10 loans Under 10 loans 20.0%
ZILLOW HOME LOANS, LLC 4 Under 10 loans Under 10 loans 0.0%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 4 Under 10 loans Under 10 loans 0.0%
SPRING EQ, LLC 3 Under 10 loans Under 10 loans 57.1%
Broker Solutions, Inc. 3 Under 10 loans Under 10 loans 0.0%
GUARANTEED RATE AFFINITY, LLC 3 Under 10 loans Under 10 loans 0.0%
CROSSCOUNTRY MORTGAGE, INC. 3 Under 10 loans Under 10 loans 0.0%
MUTUAL OF OMAHA MORTGAGE, INC. 3 Under 10 loans Under 10 loans 0.0%
JPMorgan Chase Bank, National Association 3 Under 10 loans Under 10 loans 0.0%
Third Federal Savings and Loan Association of Cleveland 3 Under 10 loans Under 10 loans 0.0%
Loandepot.Com, LLC 3 Under 10 loans Under 10 loans 0.0%
FIDELITY DIRECT MORTGAGE, LLC 3 Under 10 loans Under 10 loans 0.0%
Discover Bank 2 Under 10 loans Under 10 loans 50.0%
City Lending Inc. 2 Under 10 loans Under 10 loans 60.0%
LANGLEY Federal Credit Union 2 Under 10 loans Under 10 loans 50.0%
TD Bank, National Association 2 Under 10 loans Under 10 loans 0.0%
GO MORTGAGE, LLC 2 Under 10 loans Under 10 loans 0.0%
FIGURE LENDING LLC 2 Under 10 loans Under 10 loans 0.0%
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 Under 10 loans Under 10 loans 0.0%
ROSS MORTGAGE CORPORATION 2 Under 10 loans Under 10 loans 0.0%
CLEARPATH LENDING 2 Under 10 loans Under 10 loans 0.0%
United Bank 2 Under 10 loans Under 10 loans 0.0%
LOWER, LLC 2 Under 10 loans Under 10 loans 0.0%
U.S. Bank National Association 2 Under 10 loans Under 10 loans 33.3%
STG MORTGAGE INC 2 Under 10 loans Under 10 loans 0.0%
PLANET HOME LENDING, LLC 2 Under 10 loans Under 10 loans 0.0%
Integrity Home Mortgage Corporation 2 Under 10 loans Under 10 loans 0.0%
Pinnacle Bank 2 Under 10 loans Under 10 loans 0.0%
Citizens and Farmers Bank 2 Under 10 loans Under 10 loans 0.0%
FINANCE OF AMERICA REVERSE LLC 2 Under 10 loans Under 10 loans 0.0%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 2 Under 10 loans Under 10 loans 0.0%
Citizens Bank, National Association 2 Under 10 loans Under 10 loans 0.0%
Coastal Community Bank 1 Under 10 loans Under 10 loans 14.3%
SOFI BANK, NATIONAL ASSOCIATION 1 Under 10 loans Under 10 loans 50.0%
USAA Federal Savings Bank 1 Under 10 loans Under 10 loans 50.0%
THE LOAN STORE, INC. 1 Under 10 loans Under 10 loans 50.0%
CARRINGTON MORTGAGE SERVICES, LLC 1 Under 10 loans Under 10 loans 66.7%
BETTER MORTGAGE CORPORATION 1 Under 10 loans Under 10 loans 50.0%
KIND LENDING, LLC 1 Under 10 loans Under 10 loans 66.7%
LoanUnited.com, LLC 1 Under 10 loans Under 10 loans 0.0%
AmeriSave Mortgage Corporation 1 Under 10 loans Under 10 loans 66.7%
Apple Federal Credit Union 1 Under 10 loans Under 10 loans 50.0%
First National Bank of America 1 Under 10 loans Under 10 loans 0.0%
TOWER Federal Credit Union 1 Under 10 loans Under 10 loans 50.0%
THE MORTGAGE LINK, INC. 1 Under 10 loans Under 10 loans 0.0%
United States Senate Federal Credit Union 1 Under 10 loans Under 10 loans 0.0%
Select Bank 1 Under 10 loans Under 10 loans 0.0%
Wells Fargo Bank, National Association 1 Under 10 loans Under 10 loans 0.0%
CAPITAL CENTER, L.L.C. 1 Under 10 loans Under 10 loans 0.0%
EMBRACE HOME LOANS, INC. 1 Under 10 loans Under 10 loans 0.0%
Genesis Capital, LLC 1 Under 10 loans Under 10 loans 0.0%
NQM FUNDING, LLC 1 Under 10 loans Under 10 loans 0.0%
A&D Mortgage LLC 1 Under 10 loans Under 10 loans 0.0%
Beacon Credit Union, Incorporated 1 Under 10 loans Under 10 loans 0.0%
LIMA ONE CAPITAL, LLC 1 Under 10 loans Under 10 loans 0.0%
USALLIANCE FEDERAL CREDIT UNION 1 Under 10 loans Under 10 loans 0.0%
RF RENOVO MANAGEMENT COMPANY, LLC 1 Under 10 loans Under 10 loans 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 Under 10 loans Under 10 loans 0.0%
The Freedom Bank of Virginia 1 Under 10 loans Under 10 loans 0.0%
BPL MORTGAGE TRUST, LLC 1 Under 10 loans Under 10 loans 0.0%
The Dart Bank 1 Under 10 loans Under 10 loans 0.0%
FEDERATED MORTGAGE CORP. 1 Under 10 loans Under 10 loans 0.0%
AMERITRUST MORTGAGE CORPORATION 1 Under 10 loans Under 10 loans 0.0%
GUILD MORTGAGE COMPANY 1 Under 10 loans Under 10 loans 0.0%
INTERCOASTAL MORTGAGE, LLC 1 Under 10 loans Under 10 loans 0.0%
Trustar Bank 1 Under 10 loans Under 10 loans 0.0%
FIRST HOME MORTGAGE CORPORATION 1 Under 10 loans Under 10 loans 0.0%
UBS Bank USA 1 Under 10 loans Under 10 loans 0.0%
CLEAREDGE LENDING LLC 1 Under 10 loans Under 10 loans 0.0%
Charles Schwab Bank, SSB 1 Under 10 loans Under 10 loans 0.0%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 Under 10 loans Under 10 loans 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 Under 10 loans Under 10 loans 0.0%
Bethpage Federal Credit Union 1 Under 10 loans Under 10 loans 0.0%
EAST COAST CAPITAL CORP. 1 Under 10 loans Under 10 loans 0.0%
MID-ISLAND MORTGAGE CORP. 1 Under 10 loans Under 10 loans 0.0%
NEW WAVE LENDING GROUP INC 1 Under 10 loans Under 10 loans 0.0%
Northwest Federal Credit Union 1 Under 10 loans Under 10 loans 0.0%
GoPrime Mortgage, Inc. 1 Under 10 loans Under 10 loans 0.0%
BAY EQUITY LLC 1 Under 10 loans Under 10 loans 0.0%
Genisys Credit Union 1 Under 10 loans Under 10 loans 0.0%
TOWNE MORTGAGE COMPANY 1 Under 10 loans Under 10 loans 0.0%
GUIDANCE RESIDENTIAL, LLC 1 Under 10 loans Under 10 loans 0.0%
UNION HOME MORTGAGE CORP. 1 Under 10 loans Under 10 loans 0.0%
Carter Bank & Trust 1 Under 10 loans Under 10 loans 0.0%
ALLIANT CREDIT UNION 1 Under 10 loans Under 10 loans 0.0%
Ixonia Bank 1 Under 10 loans Under 10 loans 0.0%
EVERETT FINANCIAL, INC. 1 Under 10 loans Under 10 loans 0.0%
RELIANCE FIRST CAPITAL, LLC 1 Under 10 loans Under 10 loans 0.0%
United Trust Bank 1 Under 10 loans Under 10 loans 0.0%
Citibank, National Association 1 Under 10 loans Under 10 loans 0.0%
First Federal Bank 1 Under 10 loans Under 10 loans 0.0%
WesBanco Bank, Inc. 1 Under 10 loans Under 10 loans 0.0%
First Savings Bank 1 Under 10 loans Under 10 loans 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. 0 Under 10 loans Under 10 loans 100.0%
LAKEVIEW LOAN SERVICING, LLC 0 Under 10 loans Under 10 loans 100.0%
VILLAGE CAPITAL & INVESTMENT LLC 0 Under 10 loans Under 10 loans 0.0%
FIRST EQUITY MORTGAGE INCORPORATED 0 Under 10 loans Under 10 loans 100.0%
Loan Funder LLC 0 Under 10 loans Under 10 loans Not published
SOUTHWEST STAGE FUNDING, LLC 0 Under 10 loans Under 10 loans 0.0%
LENDINGONE, LLC 0 Under 10 loans Under 10 loans 100.0%
The Federal Savings Bank 0 Under 10 loans Under 10 loans Not published
NEW DAY FINANCIAL, LLC 0 Under 10 loans Under 10 loans 100.0%
GoodLeap, LLC 0 Under 10 loans Under 10 loans 50.0%
Tomo Mortgage, LLC 0 Under 10 loans Under 10 loans Not published
Loansteady LLC 0 Under 10 loans Under 10 loans Not published
Towne Bank 0 Under 10 loans Under 10 loans Not published
AMERICAN FINANCING CORPORATION 0 Under 10 loans Under 10 loans 100.0%
SWBC MORTGAGE CORPORATION 0 Under 10 loans Under 10 loans 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 0 Under 10 loans Under 10 loans Not published
NETWORK CAPITAL FUNDING CORPORATION 0 Under 10 loans Under 10 loans 0.0%
Equity Prime Mortgage LLC 0 Under 10 loans Under 10 loans Not published
NFM, INC. 0 Under 10 loans Under 10 loans Not published
CALCON MUTUAL MORTGAGE LLC 0 Under 10 loans Under 10 loans Not published
AMWEST FUNDING CORP. 0 Under 10 loans Under 10 loans 100.0%
HOMEXPRESS MORTGAGE CORP. 0 Under 10 loans Under 10 loans 100.0%
Texana Bank, National Association 0 Under 10 loans Under 10 loans Not published
LENDSURE MORTGAGE CORP. 0 Under 10 loans Under 10 loans Not published
AMERICAN HERITAGE LENDING, LLC 0 Under 10 loans Under 10 loans Not published
MERIDIAN BANK 0 Under 10 loans Under 10 loans Not published
CHAMPIONS FUNDING, LLC 0 Under 10 loans Under 10 loans Not published
AMERIHOME MORTGAGE COMPANY, LLC 0 Under 10 loans Under 10 loans Not published
ARC HOME LLC 0 Under 10 loans Under 10 loans Not published
MEMBER ADVANTAGE MORTGAGE, LLC 0 Under 10 loans Under 10 loans Not published
DATA MORTGAGE, INC. 0 Under 10 loans Under 10 loans Not published
BELLCO CREDIT UNION 0 Under 10 loans Under 10 loans Not published
NORTHROP GRUMMAN Federal Credit Union 0 Under 10 loans Under 10 loans Not published
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 0 Under 10 loans Under 10 loans Not published
PLAZA HOME MORTGAGE, INC. 0 Under 10 loans Under 10 loans Not published
CHARTWAY FEDERAL CREDIT UNION 0 Under 10 loans Under 10 loans Not published
First-Citizens Bank & Trust Company 0 Under 10 loans Under 10 loans Not published
PHH Mortgage Corporation 0 Under 10 loans Under 10 loans Not published
Fifth Third Bank, National Association 0 Under 10 loans Under 10 loans Not published

Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.

Bank branches in Fredericksburg city

16 FDIC-insured branches from 13 banks, as of 30 June 2026, with the deposits held at them.

BankBranches hereDeposits
Atlantic Union Bank 2$386.8 million
Burke & Herbert Bank & Trust Company 2$190.2 million
United Bank 2$82.0 million
Truist Bank 1$405.3 million
Bank of America, National Association 1$250.3 million
Wells Fargo Bank, National Association 1$195.6 million
Shore United Bank, National Association 1$119.0 million
PNC Bank, National Association 1$77.9 million
First-Citizens Bank & Trust Company 1$61.3 million
Manufacturers and Traders Trust Company 1$50.8 million
JPMorgan Chase Bank, National Association 1$31.8 million
Citizens and Farmers Bank 1$27.0 million
Woodforest National Bank 1$6.0 million

Closed since the 2025 survey

1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.

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When the next year’s lending figures are out for Fredericksburg city, or a lender arrives or leaves.

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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.