Mortgage lenders in Warren County
1,205 mortgages were made in Warren County, Virginia, in 2025, by 221 lenders. The median rate their borrowers got was 6.625% on a median loan of $285,000. Of 1,586 decisions, 312 were denials — 19.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 124 | 6.750% | $220,000 | 16.6% |
| Navy Federal Credit Union | 72 | 7.750% | $105,000 | 20.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 65 | 6.125% | $325,000 | 8.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 46 | 6.625% | $345,000 | 4.1% |
| Truist Bank | 37 | 6.590% | $105,000 | 40.9% |
| Atlantic Coast Mortgage, LLC | 33 | 6.500% | $315,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 32 | 6.125% | $375,000 | 10.3% |
| City National Bank of West Virginia | 30 | 6.320% | $105,000 | 41.5% |
| EVERETT FINANCIAL, INC. | 29 | 6.990% | $305,000 | 6.5% |
| PENNYMAC LOAN SERVICES, LLC | 28 | 8.313% | $125,000 | 14.3% |
| Integrity Home Mortgage Corporation | 26 | 6.625% | $340,000 | 2.9% |
| FIRST BANK | 21 | Not published | $105,000 | 12.0% |
| Apple Federal Credit Union | 19 | 7.490% | $125,000 | 20.8% |
| NATIONSTAR MORTGAGE LLC | 18 | 8.563% | $90,000 | 18.2% |
| Atlantic Union Bank | 18 | 7.750% | $115,000 | 33.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 18 | 6.625% | $335,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 18 | 6.625% | $335,000 | 0.0% |
| Mortgage Research Center, LLC | 17 | 6.250% | $475,000 | 26.1% |
| CMG MORTGAGE, INC. | 16 | 6.000% | $360,000 | 10.5% |
| United Bank | 15 | 6.500% | $245,000 | 36.0% |
| MOVEMENT MORTGAGE, LLC | 15 | 6.750% | $365,000 | 0.0% |
| First Heritage Mortgage, LLC | 15 | 6.125% | $415,000 | 0.0% |
| Loandepot.Com, LLC | 14 | 6.813% | $130,000 | 11.8% |
| GUILD MORTGAGE COMPANY | 13 | 6.490% | $325,000 | 0.0% |
| NEWREZ LLC | 12 | 7.688% | $175,000 | 42.9% |
| SPRING EQ, LLC | 12 | 10.475% | $80,000 | 33.3% |
| Alcova Mortgage LLC | 12 | 6.250% | $285,000 | 7.7% |
| FIGURE LENDING LLC | 11 | 9.800% | $65,000 | 13.6% |
| PNC Bank, National Association | 10 | 0.250% | $115,000 | 16.7% |
| GUARANTEED RATE, INC. | 10 | 6.313% | $360,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 40.0% |
| Wells Fargo Bank, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| INTERCOASTAL MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Shea Mortgage Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Clarke | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Fairway Independent Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| City Lending Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Coastal Community Bank | 6 | Under 10 loans | Under 10 loans | 8.3% |
| AmeriSave Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 64.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 50.0% |
| ZILLOW HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Vellum Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 36.4% |
| GoodLeap, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MLD MORTGAGE INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| F & M BANK CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 55.6% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 18.2% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| EMBRACE HOME LOANS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| FIRST HOME MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NextMortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RMC HOME MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 60.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 54.6% |
| Third Federal Savings and Loan Association of Cleveland | 3 | Under 10 loans | Under 10 loans | 57.1% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Freedom Bank of Virginia | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JAMS-01, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAPON VALLEY BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Virginia Credit Union, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LANGLEY Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Charles Town | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Burke & Herbert Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST BANCORP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fulton Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EDUCATIONAL SYSTEMS | 1 | Under 10 loans | Under 10 loans | 33.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMONWEALTH ONE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NVR Mortgage Finance, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORIA DEVELOPMENT, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IDB Global Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pendleton Community Bank, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Jefferson Security Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| C & F Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILLENNIUM FINANCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DuPont Community Federally Insured State-Chartered Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Homesale Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Farm Credit, ACA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM FIRST Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Academy Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPECTRA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW FED MORTGAGE, CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truliant Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Oak View National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AgFirst Farm Credit 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% |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KIND LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Home Mortgage Alliance Corporation (HMAC) | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MILEND, INC. | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Strong Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NexBank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Valon Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Signature Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Tomo Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Service Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| CAKE MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| TOP FLITE FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Loan Simple, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Armed Forces Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICA FIRST Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 21 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Warren County
10 FDIC-insured branches from 7 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| United Bank | 2 | $211.4 million |
| Wells Fargo Bank, National Association | 2 | $179.1 million |
| First Bank | 2 | $117.4 million |
| Truist Bank | 1 | $202.2 million |
| Atlantic Union Bank | 1 | $78.5 million |
| City National Bank of West Virginia | 1 | $55.6 million |
| Woodforest National Bank | 1 | $4.6 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.