Mortgage lenders in Culpeper County
1,503 mortgages were made in Culpeper County, Virginia, in 2025, by 250 lenders. The median rate their borrowers got was 6.500% on a median loan of $355,000. Of 2,030 decisions, 452 were denials — 22.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 130 | 6.990% | $225,000 | 15.3% |
| NVR Mortgage Finance, Inc. | 96 | 6.125% | $385,000 | 29.9% |
| Truist Bank | 68 | 6.713% | $195,000 | 37.9% |
| Navy Federal Credit Union | 60 | 7.250% | $215,000 | 27.7% |
| UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC. | 57 | Not published | $105,000 | 29.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 55 | 6.125% | $425,000 | 13.6% |
| LENNAR MORTGAGE, LLC | 50 | 6.500% | $655,000 | 3.9% |
| Atlantic Coast Mortgage, LLC | 44 | 6.375% | $425,000 | 1.8% |
| NFM, INC. | 42 | 6.490% | $445,000 | 2.3% |
| CMG MORTGAGE, INC. | 40 | 6.375% | $480,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 39 | 6.250% | $375,000 | 16.7% |
| FREEDOM MORTGAGE CORPORATION | 36 | 6.250% | $510,000 | 8.7% |
| Atlantic Union Bank | 32 | 7.800% | $150,000 | 45.9% |
| EMBRACE HOME LOANS, INC. | 30 | 5.995% | $410,000 | 3.1% |
| MOVEMENT MORTGAGE, LLC | 28 | 6.563% | $425,000 | 11.1% |
| Mortgage Research Center, LLC | 22 | 6.058% | $495,000 | 21.4% |
| Integrity Home Mortgage Corporation | 22 | 6.625% | $375,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 21 | 6.575% | $485,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 18 | 6.558% | $445,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 18 | 7.750% | $190,000 | 5.3% |
| First Heritage Mortgage, LLC | 16 | 6.495% | $335,000 | 5.9% |
| Oak View National Bank | 16 | Not published | $160,000 | 5.9% |
| NEWREZ LLC | 15 | 7.875% | $145,000 | 28.6% |
| Apple Federal Credit Union | 14 | 7.615% | $100,000 | 50.0% |
| Prosperity Home Mortgage, LLC | 14 | 6.438% | $435,000 | 0.0% |
| Loandepot.Com, LLC | 13 | 7.625% | $265,000 | 27.8% |
| Fulton Bank, National Association | 13 | 6.875% | $465,000 | 6.7% |
| Wells Fargo Bank, National Association | 13 | 6.250% | $265,000 | 18.8% |
| Coastal Community Bank | 12 | 9.865% | $80,000 | 5.6% |
| Fairway Independent Mortgage Corporation | 12 | 6.558% | $400,000 | 7.7% |
| SELECT LENDING SERVICES LLC | 12 | 6.688% | $545,000 | 7.7% |
| HOMEAMERICAN MORTGAGE CORPORATION | 12 | 5.062% | $625,000 | 0.0% |
| PNC Bank, National Association | 11 | 0.250% | $95,000 | 50.0% |
| GUARANTEED RATE, INC. | 10 | 6.375% | $330,000 | 9.1% |
| NATIONSTAR MORTGAGE LLC | 10 | 9.063% | $85,000 | 23.1% |
| FIGURE LENDING LLC | 10 | 8.988% | $90,000 | 8.3% |
| Vellum Mortgage, Inc. | 10 | 6.750% | $340,000 | 0.0% |
| Bank of America, National Association | 9 | Under 10 loans | Under 10 loans | 47.4% |
| AmeriSave Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 64.0% |
| ROSS MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 8 | Under 10 loans | Under 10 loans | 69.4% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 42.1% |
| Northwest Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 25.0% |
| Waterstone Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 30.0% |
| ENVOY MORTGAGE, LTD | 6 | Under 10 loans | Under 10 loans | 40.0% |
| TOWER Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 40.0% |
| U.S. Bank National Association | 6 | Under 10 loans | Under 10 loans | 22.2% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit of the Virginias, ACA | 6 | Under 10 loans | Under 10 loans | 14.3% |
| INTERCOASTAL MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Virginia Credit Union, Inc. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| JAMS-01, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 73.3% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Citizens Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Freedom Bank of Virginia | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PARTNERS 1ST Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 57.1% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 28.6% |
| RMC HOME MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| United Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bank of Clarke | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Burke & Herbert Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Carter Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 92.9% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LANGLEY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 80.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TAMMAC HOLDINGS CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEO-CORP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hanscom Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ITHINK FINANCIAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Topside Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 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% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Patriot Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Loan Investment Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CNB Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIBRARY OF CONGRESS | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST BANCORP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RANLIFE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Virginia National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strategic Funding, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CHAMPIONS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Home Mortgage Alliance Corporation (HMAC) | 0 | Under 10 loans | Under 10 loans | Not published |
| COMMUNITYAMERICA CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Luminate Bank | 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. Another 50 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Culpeper County
7 FDIC-insured branches from 5 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Atlantic Union Bank | 2 | $348.4 million |
| Truist Bank | 2 | $234.4 million |
| Wells Fargo Bank, National Association | 1 | $249.5 million |
| Oak View National Bank | 1 | $107.4 million |
| Blue Ridge Bank, National Association | 1 | $51.0 million |
Get told when this changes
When the next year’s lending figures are out for Culpeper 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. 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.