Mortgage Lender Index

Mortgage lenders in Fairfax County

20,774 mortgages were made in Fairfax County, Virginia, in 2025, by 550 lenders. The median rate their borrowers got was 6.500% on a median loan of $475,000. Of 26,923 decisions, 5,177 were denials — 19.2%, most often for debt-to-income ratio.

LenderMortgages madeMedian rateMedian loanDenied
Navy Federal Credit Union 1,251 7.750% $205,000 25.1%
Rocket Mortgage, LLC 1,243 6.500% $405,000 13.8%
UNITED SHORE FINANCIAL SERVICES, LLC 981 6.249% $565,000 11.7%
Truist Bank 950 6.240% $345,000 32.9%
Bank of America, National Association 551 6.125% $255,000 40.9%
CROSSCOUNTRY MORTGAGE, INC. 536 6.490% $625,000 2.3%
Atlantic Coast Mortgage, LLC 526 6.490% $525,000 1.6%
PENNYMAC LOAN SERVICES, LLC 496 6.250% $495,000 11.0%
PNC Bank, National Association 449 7.270% $195,000 29.2%
PENTAGON FEDERAL CREDIT UNION 436 7.625% $205,000 32.3%
First Heritage Mortgage, LLC 419 6.375% $575,000 2.8%
GUARANTEED RATE, INC. 408 6.250% $635,000 4.1%
Apple Federal Credit Union 386 7.490% $155,000 25.2%
INTERCOASTAL MORTGAGE, LLC 368 6.375% $660,000 3.1%
CMG MORTGAGE, INC. 314 6.250% $645,000 2.0%
FIRST SAVINGS MORTGAGE CORPORATION 307 6.375% $655,000 0.7%
Citizens Bank, National Association 305 7.400% $305,000 21.9%
Prosperity Home Mortgage, LLC 303 6.375% $615,000 2.3%
Fairway Independent Mortgage Corporation 292 6.490% $600,000 4.2%
MOVEMENT MORTGAGE, LLC 290 6.375% $610,000 5.7%
Manufacturers and Traders Trust Company 267 5.750% $665,000 21.1%
JPMorgan Chase Bank, National Association 228 6.375% $555,000 9.5%
Atlantic Union Bank 211 6.625% $395,000 26.3%
Northwest Federal Credit Union 210 7.000% $145,000 17.8%
Bank-Fund Staff Federal Credit Union 201 6.500% $305,000 12.2%
Loandepot.Com, LLC 194 7.250% $245,000 20.2%
FREEDOM MORTGAGE CORPORATION 192 5.875% $625,000 8.8%
NEWREZ LLC 188 6.250% $555,000 30.6%
Mortgage Research Center, LLC 185 5.875% $625,000 29.5%
NATIONSTAR MORTGAGE LLC 180 8.375% $145,000 17.1%
United Bank 177 6.490% $435,000 24.2%
TOWER Federal Credit Union 176 7.000% $190,000 24.6%
Wells Fargo Bank, National Association 162 6.125% $525,000 19.7%
EMBRACE HOME LOANS, INC. 161 6.375% $605,000 2.3%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 160 6.125% $650,000 0.6%
First National Bank of Pennsylvania 158 6.250% $445,000 23.7%
TD Bank, National Association 151 7.440% $305,000 40.4%
U.S. Bank National Association 150 6.750% $470,000 33.8%
NVR Mortgage Finance, Inc. 149 6.375% $505,000 11.8%
NFM, INC. 148 6.500% $545,000 2.6%
Citibank, National Association 136 6.125% $715,000 18.5%
GUARANTEED RATE AFFINITY, LLC 130 6.375% $615,000 2.2%
GUILD MORTGAGE COMPANY 126 6.490% $570,000 2.3%
FIGURE LENDING LLC 116 8.788% $80,000 26.1%
FIRST HOME MORTGAGE CORPORATION 115 6.625% $595,000 3.4%
Ameris Bank 114 6.375% $555,000 6.5%
Vellum Mortgage, Inc. 109 6.500% $555,000 2.7%
SPRING EQ, LLC 106 9.550% $125,000 65.5%
JAMS-01, INC. 104 6.500% $560,000 1.9%
Third Federal Savings and Loan Association of Cleveland 103 6.990% $205,000 33.7%
Broker Solutions, Inc. 90 6.625% $480,000 22.2%
PROVIDENT FUNDING ASSOCIATES, L.P. 90 6.375% $585,000 5.2%
MUTUAL OF OMAHA MORTGAGE, INC. 83 6.125% $575,000 15.7%
ZILLOW HOME LOANS, LLC 83 6.375% $485,000 7.8%
EMET LENDING GROUP, INC. 79 6.875% $495,000 0.0%
Coastal Community Bank 76 8.990% $75,000 2.4%
Burke & Herbert Bank & Trust Company 72 7.750% $255,000 27.3%
AmeriSave Mortgage Corporation 71 8.875% $125,000 65.9%
AMWEST FUNDING CORP. 67 6.875% $415,000 11.8%
The Freedom Bank of Virginia 67 6.250% $625,000 4.3%
State Department Federal Credit Union 66 6.675% $155,000 16.1%
SOFI BANK, NATIONAL ASSOCIATION 65 7.690% $175,000 22.1%
Alcova Mortgage LLC 63 6.490% $565,000 1.5%
LOWER, LLC 61 6.500% $545,000 6.2%
A&D Mortgage LLC 61 6.375% $475,000 6.1%
United Nations Federal Credit Union 60 5.750% $655,000 10.3%
Morgan Stanley Private Bank, National Association 60 5.900% $905,000 5.9%
KIND LENDING, LLC 59 6.625% $495,000 32.2%
THE LOAN STORE, INC. 58 6.688% $355,000 11.8%
BAY EQUITY LLC 58 6.750% $460,000 1.7%
LANGLEY Federal Credit Union 57 6.500% $305,000 8.1%
BETTER MORTGAGE CORPORATION 55 8.375% $285,000 52.5%
Fulton Bank, National Association 55 6.490% $805,000 11.3%
CREDIT UNION MORTGAGE ASSOCIATION, INC. 53 5.875% $615,000 3.6%
Towne Bank 52 6.490% $690,000 3.6%
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION 51 6.313% $205,000 22.4%
LAKEVIEW LOAN SERVICING, LLC 48 5.870% $490,000 62.8%
LAFAYETTE FEDERAL CREDIT UNION 47 7.750% $255,000 17.2%
Charles Schwab Bank, SSB 47 5.650% $785,000 4.1%
Presidential Bank, FSB 45 6.500% $585,000 0.0%
AMERICAN FINANCIAL NETWORK, INC. 44 6.750% $475,000 17.0%
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 44 6.433% $545,000 12.0%
STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED 43 5.625% $935,000 37.7%
HOMEBRIDGE FINANCIAL SERVICES, INC. 43 10.470% $185,000 13.5%
SWBC MORTGAGE CORPORATION 41 6.250% $565,000 0.0%
NBKC BANK 39 6.125% $565,000 13.0%
OCMBC, INC. 39 7.499% $465,000 22.8%
UNION HOME MORTGAGE CORP. 39 6.625% $495,000 8.3%
Discover Bank 38 8.490% $105,000 75.9%
CAPITAL CENTER, L.L.C. 38 6.125% $535,000 15.6%
NATIONS DIRECT MORTGAGE, LLC 38 6.490% $570,000 7.3%
LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation 37 5.995% $625,000 10.4%
CARRINGTON MORTGAGE SERVICES, LLC 36 6.375% $455,000 62.5%
PHH Mortgage Corporation 36 6.063% $520,000 7.5%
Loansteady LLC 36 6.500% $605,000 2.5%
INSTAMORTGAGE INC. 36 6.125% $540,000 4.9%
AMERICAN PACIFIC MORTGAGE CORPORATION 35 6.750% $565,000 5.4%
Bank of Clarke 34 Not published $505,000 12.8%
The Dart Bank 34 6.125% $485,000 9.1%
Luminate Bank 34 6.375% $655,000 2.8%
General Mortgage Capital Corporation 34 6.125% $625,000 0.0%
SELECT LENDING SERVICES LLC 33 6.625% $575,000 0.0%
TOLL BROTHERS MORTGAGE COMPANY 33 6.490% $485,000 2.7%
USAA Federal Savings Bank 32 6.250% $635,000 46.8%
Tomo Mortgage, LLC 31 6.375% $605,000 8.8%
Paramount Residential Mortgage Group, Inc. 31 6.250% $605,000 6.1%
ALLIANT CREDIT UNION 30 8.000% $180,000 37.7%
WesBanco Bank, Inc. 30 6.625% $890,000 26.8%
GUIDANCE RESIDENTIAL, LLC 30 6.875% $540,000 0.0%
City Lending Inc. 29 7.250% $485,000 26.2%
United States Senate Federal Credit Union 29 7.500% $105,000 5.6%
MainStreet Bank 28 Not published $1,565,000 9.7%
First Federal Bank 27 5.990% $665,000 18.2%
Virginia Credit Union, Inc. 27 6.240% $135,000 29.0%
NASA Federal Credit Union 27 7.250% $205,000 3.5%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 26 6.750% $680,000 0.0%
FINANCE OF AMERICA REVERSE LLC 26 6.438% $370,000 13.3%
Capital Bank, National Association 26 6.688% $605,000 0.0%
ALL CREDIT CONSIDERED MORTGAGE, INC. 26 7.188% $490,000 0.0%
The Federal Savings Bank 25 6.500% $595,000 10.7%
SUN WEST MORTGAGE COMPANY, INC. 25 6.375% $495,000 8.8%
FIDELITY DIRECT MORTGAGE, LLC 25 6.490% $505,000 10.3%
Shore United Bank, N.A. 25 6.125% $1,505,000 3.9%
Bethpage Federal Credit Union 24 6.490% $190,000 51.9%
Kiavi Funding, Inc. 24 9.950% $655,000 16.1%
Pinnacle Bank 23 6.125% $255,000 17.7%
Armed Forces Bank, National Association 23 5.938% $675,000 8.0%
OriginPoint, LLC 23 6.750% $625,000 8.0%
QUORUM FEDERAL CREDIT UNION 22 8.125% $200,000 20.0%
MORTGAGE ACCESS CORP. 22 6.625% $565,000 12.0%
AMERICAN PORTFOLIO MORTGAGE CORPORATION 22 6.688% $580,000 4.4%
Old Dominion National Bank 22 6.495% $1,205,000 0.0%
Commerce Home Mortgage, Inc. 21 8.625% $505,000 18.5%
AAA CAPITAL INVESTMENT, INC. 21 6.625% $505,000 4.2%
JUSTICE Federal Credit Union 20 7.250% $205,000 11.5%
Strong Home Mortgage, LLC 19 6.250% $695,000 5.0%
Bank of Charles Town 19 Not published $565,000 0.0%
NMSI, INC. 19 6.750% $515,000 0.0%
Sierra Pacific Mortgage Company, Inc. 18 6.625% $490,000 21.7%
First-Citizens Bank & Trust Company 18 6.200% $500,000 25.9%
FIRST COLONY MORTGAGE CORPORATION 18 6.563% $550,000 12.5%
PLANET HOME LENDING, LLC 18 5.870% $720,000 18.2%
VILLAGE CAPITAL & INVESTMENT LLC 17 5.750% $535,000 17.1%
ENVOY MORTGAGE, LTD 17 6.625% $565,000 10.5%
SUMMIT FUNDING, INC. 17 6.625% $425,000 10.5%
CHURCHILL MORTGAGE CORPORATION 17 6.125% $685,000 0.0%
T2 FINANCIAL LLC 17 6.625% $515,000 0.0%
DEEPHAVEN MORTGAGE LLC 16 8.625% $235,000 38.5%
COMMONWEALTH ONE 16 7.500% $75,000 33.3%
Northpointe Bank 16 6.000% $670,000 0.0%
254900YZ174H294JW398 16 6.500% $895,000 0.0%
Trustar Bank 16 Not published $1,475,000 0.0%
NETWORK CAPITAL FUNDING CORPORATION 15 6.750% $435,000 34.8%
CHAMPIONS FUNDING, LLC 15 7.875% $395,000 46.4%
NEW WAVE LENDING GROUP INC 15 7.000% $485,000 0.0%
Primis Mortgage Company 15 6.750% $575,000 6.3%
MERIDIAN BANK 15 6.500% $465,000 6.3%
Waterstone Mortgage Corporation 15 6.375% $625,000 0.0%
UBS Bank USA 15 6.000% $995,000 0.0%
IDB Global Federal Credit Union 15 5.500% $505,000 0.0%
Citadel Servicing Corporation 14 7.937% $530,000 0.0%
LIMA ONE CAPITAL, LLC 14 8.475% $595,000 0.0%
KEYSTONE FUNDING, INC. 14 6.500% $640,000 0.0%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 13 6.875% $355,000 11.8%
FIRST COMMUNITY MORTGAGE, INC. 13 6.625% $505,000 0.0%
NEW DAY FINANCIAL, LLC 12 6.620% $530,000 58.6%
Valon Mortgage, Inc. 12 8.250% $100,000 10.5%
HOMEXPRESS MORTGAGE CORP. 12 7.500% $580,000 29.4%
MORIA DEVELOPMENT, INC. 12 6.250% $240,000 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. 12 6.125% $825,000 0.0%
EDUCATIONAL SYSTEMS 12 4.990% $280,000 7.1%
ARC HOME LLC 11 6.875% $675,000 15.4%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 11 6.750% $435,000 0.0%
Farmers Bank & Trust 11 5.875% $505,000 0.0%
AMERIHOME MORTGAGE COMPANY, LLC 11 6.375% $695,000 7.7%
ROUNDPOINT MORTGAGE SERVICING LLC 11 3.000% $435,000 8.3%
Hanscom Federal Credit Union 11 7.000% $205,000 0.0%
Filo Mortgage, L.L.C. 10 5.933% $545,000 20.0%
Plains Commerce Bank 10 6.625% $550,000 9.1%
Flagstar Bank, N.A. 10 6.667% $655,000 47.4%
UIF CORPORATION 10 6.563% $525,000 23.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC 10 7.250% $1,050,000 23.1%
American Security Mortgage Corp. 10 6.313% $710,000 0.0%
ANDREWS FEDERAL CREDIT UNION 10 6.558% $290,000 9.1%
C & F Mortgage Corporation 10 6.375% $525,000 0.0%
Woori America Bank 10 Not published $605,000 9.1%
EMM LOANS LLC 10 6.625% $615,000 8.3%
DAS Acquisition Company, LLC 10 6.620% $520,000 0.0%
Dollar Bank, Federal Savings Bank 10 6.500% $885,000 0.0%
LoanUnited.com, LLC 9 Under 10 loans Under 10 loans 10.0%
GoodLeap, LLC 9 Under 10 loans Under 10 loans 22.2%
Cornerstone First Mortgage, Inc 9 Under 10 loans Under 10 loans 18.2%
RELIANCE FIRST CAPITAL, LLC 9 Under 10 loans Under 10 loans 10.0%
NEXERA HOLDING LLC 8 Under 10 loans Under 10 loans 11.1%
HSBC BANK USA, NATIONAL ASSOCIATION 8 Under 10 loans Under 10 loans 33.3%
EVERETT FINANCIAL, INC. 8 Under 10 loans Under 10 loans 11.1%
PLAZA HOME MORTGAGE, INC. 8 Under 10 loans Under 10 loans 42.9%
FlexPoint, Inc. 8 Under 10 loans Under 10 loans 0.0%
DOMINION FINANCIAL SERVICES, LLC 8 Under 10 loans Under 10 loans 0.0%
LONGBRIDGE FINANCIAL, LLC 8 Under 10 loans Under 10 loans 11.1%

Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 350 lenders each made 8 or fewer mortgages here, and are counted in the totals above.

Bank branches in Fairfax County

237 FDIC-insured branches from 38 banks, as of 30 June 2026, with the deposits held at them.

BankBranches hereDeposits
Truist Bank 35$14.5 billion
Wells Fargo Bank, National Association 29$12.4 billion
Bank of America, National Association 23$8.2 billion
PNC Bank, National Association 19$2.2 billion
United Bank 16$4.6 billion
JPMorgan Chase Bank, National Association 15$1.0 billion
Burke & Herbert Bank & Trust Company 13$1.4 billion
Capital One, National Association 12$53.1 billion
Manufacturers and Traders Trust Company 11$506.7 million
Atlantic Union Bank 8$2.5 billion
TD Bank, National Association 8$1.2 billion
Citibank, National Association 6$1.7 billion
The Freedom Bank of Virginia 4$175.7 million
FVCbank 3$1.6 billion
Trustar Bank 3$870.6 million
Presidential Bank, FSB 3$96.0 million
John Marshall Bank 2$809.0 million
MainStreet Bank 2$520.4 million
Woori America Bank 2$337.5 million
PromiseOne Bank 2$134.4 million
Metro City Bank 2$102.1 million
Fulton Bank, National Association 2$60.8 million
First National Bank of Pennsylvania 2$39.5 million
Pinnacle Bank 1$3.2 billion
Chain Bridge Bank, National Association 1$2.0 billion
Old Dominion National Bank 1$933.1 million
Primis Bank 1$927.7 million
HSBC Bank USA, National Association 1$372.4 million
EagleBank 1$276.9 million
City National Bank 1$251.1 million
MVB Bank, Inc 1$205.8 million
Capital Bank, National Association 1$202.0 million
Citizens Bank, National Association 1$132.5 million
Hanmi Bank 1$97.7 million
First-Citizens Bank & Trust Company 1$81.6 million
Somerset Trust Company 1$15.3 million
Bank Of Clarke 1$10.0 million
Members Trust Company 1$0

Closed since the 2025 survey

9 branches in the 2025 survey have no 2026 row: closed, sold, or moved.

Get told when this changes

When the next year’s lending figures are out for Fairfax County, 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.