Refinancing lenders in Fairfax County
3,575 refinancing mortgages were made in Fairfax County, Virginia, in 2025, by 328 lenders. The median rate their borrowers got was 6.000% on a median loan of $545,000. Of 4,710 decisions, 921 were denials — 19.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 354 | 5.625% | $645,000 | 11.2% |
| Truist Bank | 242 | 6.190% | $255,000 | 33.5% |
| Rocket Mortgage, LLC | 242 | 5.990% | $605,000 | 14.9% |
| PNC Bank, National Association | 171 | 7.430% | $255,000 | 28.3% |
| PENNYMAC LOAN SERVICES, LLC | 155 | 5.625% | $645,000 | 8.2% |
| Bank of America, National Association | 128 | 5.990% | $255,000 | 32.6% |
| FREEDOM MORTGAGE CORPORATION | 112 | 5.990% | $650,000 | 2.5% |
| PENTAGON FEDERAL CREDIT UNION | 105 | 7.750% | $205,000 | 29.3% |
| GUARANTEED RATE, INC. | 85 | 5.990% | $715,000 | 2.2% |
| Citizens Bank, National Association | 80 | 7.670% | $255,000 | 26.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 71 | 6.125% | $685,000 | 2.7% |
| NEWREZ LLC | 68 | 5.750% | $690,000 | 22.8% |
| CMG MORTGAGE, INC. | 55 | 6.125% | $645,000 | 3.0% |
| United Bank | 54 | 7.500% | $255,000 | 28.2% |
| TD Bank, National Association | 54 | 7.440% | $345,000 | 29.5% |
| Fairway Independent Mortgage Corporation | 54 | 6.125% | $750,000 | 5.3% |
| Navy Federal Credit Union | 51 | 5.750% | $565,000 | 31.1% |
| Manufacturers and Traders Trust Company | 50 | 5.875% | $690,000 | 25.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 47 | 6.500% | $655,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 46 | 6.990% | $255,000 | 30.9% |
| JPMorgan Chase Bank, National Association | 40 | 5.995% | $555,000 | 14.6% |
| Atlantic Coast Mortgage, LLC | 33 | 6.125% | $605,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 33 | 6.000% | $595,000 | 10.8% |
| EMBRACE HOME LOANS, INC. | 32 | 5.990% | $695,000 | 0.0% |
| Loandepot.Com, LLC | 31 | 5.750% | $635,000 | 18.4% |
| First National Bank of Pennsylvania | 30 | 6.250% | $345,000 | 25.0% |
| INTERCOASTAL MORTGAGE, LLC | 30 | 5.980% | $675,000 | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 29 | 5.750% | $695,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 28 | 6.058% | $660,000 | 6.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 28 | 6.000% | $590,000 | 0.0% |
| First Heritage Mortgage, LLC | 25 | 6.125% | $745,000 | 3.9% |
| MOVEMENT MORTGAGE, LLC | 23 | 5.990% | $605,000 | 3.6% |
| NATIONSTAR MORTGAGE LLC | 22 | 6.125% | $510,000 | 4.2% |
| LANGLEY Federal Credit Union | 21 | 4.990% | $685,000 | 4.6% |
| LAKEVIEW LOAN SERVICING, LLC | 20 | 5.750% | $630,000 | 61.1% |
| PHH Mortgage Corporation | 20 | 5.813% | $600,000 | 4.6% |
| U.S. Bank National Association | 20 | 6.188% | $845,000 | 12.5% |
| State Department Federal Credit Union | 19 | 7.000% | $205,000 | 24.0% |
| CAPITAL CENTER, L.L.C. | 19 | 6.125% | $545,000 | 9.5% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 18 | 5.933% | $680,000 | 13.0% |
| Wells Fargo Bank, National Association | 18 | 5.750% | $300,000 | 18.2% |
| FINANCE OF AMERICA REVERSE LLC | 18 | 6.438% | $450,000 | 10.0% |
| NBKC BANK | 17 | 5.750% | $655,000 | 14.3% |
| GUILD MORTGAGE COMPANY | 16 | 6.125% | $635,000 | 10.0% |
| Mortgage Research Center, LLC | 15 | 5.750% | $635,000 | 75.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 15 | 5.750% | $535,000 | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 15 | 5.125% | $615,000 | 0.0% |
| Broker Solutions, Inc. | 14 | 6.490% | $370,000 | 11.8% |
| Atlantic Union Bank | 14 | 6.750% | $465,000 | 33.3% |
| NFM, INC. | 14 | 6.313% | $575,000 | 6.7% |
| Fulton Bank, National Association | 14 | 5.995% | $1,140,000 | 0.0% |
| Bank-Fund Staff Federal Credit Union | 13 | 5.875% | $695,000 | 40.9% |
| United Nations Federal Credit Union | 13 | 5.750% | $735,000 | 13.3% |
| A&D Mortgage LLC | 12 | 5.933% | $500,000 | 7.1% |
| Burke & Herbert Bank & Trust Company | 12 | 5.938% | $435,000 | 7.7% |
| General Mortgage Capital Corporation | 12 | 5.750% | $505,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 11 | 5.990% | $555,000 | 8.3% |
| Luminate Bank | 11 | 5.990% | $685,000 | 8.3% |
| LOWER, LLC | 11 | 6.124% | $565,000 | 8.3% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 11 | 5.750% | $1,005,000 | 15.4% |
| SUN WEST MORTGAGE COMPANY, INC. | 11 | 5.625% | $555,000 | 0.0% |
| Citibank, National Association | 10 | 5.625% | $1,270,000 | 16.7% |
| Ameris Bank | 10 | 6.125% | $430,000 | 0.0% |
| Charles Schwab Bank, SSB | 10 | 5.688% | $655,000 | 9.1% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| The Dart Bank | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Northpointe Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 8 | Under 10 loans | Under 10 loans | 78.4% |
| LoanUnited.com, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| ALLIANT CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Alcova Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 9.1% |
| THE LOAN STORE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NETWORK CAPITAL FUNDING CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 38.5% |
| Farmers Bank & Trust | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Apple Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Loansteady LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FEDERATED MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Bethpage Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 45.5% |
| LONGBRIDGE FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SWBC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATIONAL SYSTEMS | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 50.0% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 57.1% |
| MILEND, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| First Federal Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 37.5% |
| JUSTICE Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 25.0% |
| GUIDANCE RESIDENTIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Capital Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Northwest Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 28.6% |
| FIRST HOME MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ABNB Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Freedom Bank of Virginia | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LINKBANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 42.9% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Hanscom Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| C & F Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Chain Bridge Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| John Marshall Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 40.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Aurora Financial, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Virginia Credit Union, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES' | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MainStreet Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Shore United Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Trustar Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Charles Town | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIBRARY OF CONGRESS | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 83.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of Clarke | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RELIANT HOME FUNDING, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Acre Mortgage & Financial, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FM Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Security Mortgage Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| United States Senate Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 1 | 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 128 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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. 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.