Mortgage lenders in Frederick County
2,992 mortgages were made in Frederick County, Virginia, in 2025, by 311 lenders. The median rate their borrowers got was 6.625% on a median loan of $295,000. Of 3,833 decisions, 722 were denials — 18.8%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Navy Federal Credit Union | 226 | 7.950% | $105,000 | 17.1% |
| Rocket Mortgage, LLC | 217 | 6.875% | $225,000 | 17.4% |
| DHI MORTGAGE COMPANY, LTD. | 208 | 5.990% | $365,000 | 6.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 145 | 6.625% | $335,000 | 4.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 135 | 6.250% | $375,000 | 14.2% |
| Integrity Home Mortgage Corporation | 117 | 6.625% | $315,000 | 3.9% |
| Truist Bank | 102 | 6.720% | $105,000 | 34.7% |
| Loandepot.Com, LLC | 95 | 6.375% | $325,000 | 11.7% |
| PENNYMAC LOAN SERVICES, LLC | 85 | 7.750% | $145,000 | 12.2% |
| INTERCOASTAL MORTGAGE, LLC | 80 | 6.500% | $395,000 | 0.0% |
| Bank of Clarke | 77 | Not published | $275,000 | 22.2% |
| Atlantic Coast Mortgage, LLC | 72 | 6.625% | $355,000 | 1.3% |
| Apple Federal Credit Union | 62 | 7.490% | $85,000 | 30.3% |
| FIRST BANK | 50 | Not published | $120,000 | 16.4% |
| FREEDOM MORTGAGE CORPORATION | 48 | 6.250% | $365,000 | 9.7% |
| HOMEAMERICAN MORTGAGE CORPORATION | 41 | 4.999% | $475,000 | 11.3% |
| Fairway Independent Mortgage Corporation | 38 | 6.433% | $375,000 | 2.6% |
| GUILD MORTGAGE COMPANY | 36 | 6.750% | $310,000 | 5.0% |
| City National Bank of West Virginia | 34 | 6.320% | $95,000 | 28.0% |
| Mortgage Research Center, LLC | 30 | 5.990% | $435,000 | 23.1% |
| CMG MORTGAGE, INC. | 30 | 6.625% | $345,000 | 3.1% |
| NATIONSTAR MORTGAGE LLC | 29 | 6.625% | $265,000 | 9.1% |
| NEWREZ LLC | 26 | 6.750% | $305,000 | 36.4% |
| FIGURE LENDING LLC | 23 | 9.250% | $65,000 | 23.8% |
| Prosperity Home Mortgage, LLC | 22 | 6.500% | $400,000 | 4.4% |
| NVR Mortgage Finance, Inc. | 22 | 6.125% | $275,000 | 8.3% |
| PENTAGON FEDERAL CREDIT UNION | 21 | 7.500% | $175,000 | 34.4% |
| Northwest Federal Credit Union | 20 | 7.125% | $105,000 | 12.5% |
| EVERETT FINANCIAL, INC. | 20 | 7.058% | $345,000 | 4.8% |
| SPRING EQ, LLC | 19 | 9.275% | $55,000 | 48.7% |
| MOVEMENT MORTGAGE, LLC | 19 | 6.375% | $345,000 | 8.7% |
| AmeriSave Mortgage Corporation | 18 | 8.438% | $135,000 | 56.8% |
| United Bank | 18 | 6.938% | $175,000 | 43.8% |
| Bank of America, National Association | 17 | 6.250% | $105,000 | 50.0% |
| NextMortgage, LLC | 17 | 6.625% | $315,000 | 4.4% |
| Wells Fargo Bank, National Association | 17 | 6.125% | $255,000 | 19.1% |
| Alcova Mortgage LLC | 17 | 6.500% | $325,000 | 4.8% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 16 | 6.813% | $470,000 | 11.1% |
| First Heritage Mortgage, LLC | 16 | 6.313% | $385,000 | 15.8% |
| Shea Mortgage Inc. | 16 | 6.375% | $455,000 | 0.0% |
| Atlantic Union Bank | 14 | 6.875% | $300,000 | 34.8% |
| USAA Federal Savings Bank | 12 | 6.063% | $345,000 | 36.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 6.375% | $295,000 | 7.7% |
| Broker Solutions, Inc. | 11 | 6.875% | $275,000 | 21.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 11 | 7.990% | $225,000 | 48.0% |
| PNC Bank, National Association | 11 | 7.700% | $165,000 | 45.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 11 | 6.500% | $335,000 | 8.3% |
| NFM, INC. | 11 | 6.625% | $315,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 10 | 6.433% | $315,000 | 15.4% |
| F & M BANK CORP. | 10 | 6.375% | $240,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 72.5% |
| Citizens Bank, National Association | 9 | Under 10 loans | Under 10 loans | 28.6% |
| KIND LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| FINANCE OF AMERICA REVERSE LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Bank of Charles Town | 8 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 30.0% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| JPMorgan Chase Bank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 30.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RMC HOME MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CAPON VALLEY BANK | 7 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 71.4% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| TD Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Manufacturers and Traders Trust Company | 6 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Click n' Close, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| JAMS-01, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GoodLeap, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST BANCORP, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 68.8% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 9.1% |
| Third Federal Savings and Loan Association of Cleveland | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Virginia Credit Union, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Vellum Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NATIONS DIRECT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Kiavi Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Blue Ridge Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Farm Credit, ACA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| ENVOY MORTGAGE, LTD | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| EMBRACE HOME LOANS, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SWBC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AAFMAA Mortgage Services LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 62.5% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| First National Bank of Pennsylvania | 3 | Under 10 loans | Under 10 loans | 25.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DuPont Community Federally Insured State-Chartered Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LANGLEY Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MORTGAGE ACCESS CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FNB Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Freedom Bank of Virginia | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FEDERATED MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JUSTICE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 90.9% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 62.5% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 75.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Burke & Herbert Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CNB Bank, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENNAR MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PATRIOT | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMMONWEALTH ONE | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Park Lane Finance Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 60.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 83.3% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| C & F Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEO-CORP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOCAL GOVERNMENT | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fulton Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Acre Mortgage & Financial, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE 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 111 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Frederick County
19 FDIC-insured branches from 8 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Bank Of Clarke | 5 | $475.1 million |
| United Bank | 4 | $195.9 million |
| Capon Valley Bank | 3 | $57.5 million |
| Wells Fargo Bank, National Association | 2 | $326.7 million |
| First Bank | 2 | $124.8 million |
| Truist Bank | 1 | $157.2 million |
| City National Bank of West Virginia | 1 | $18.8 million |
| FNB Bank, Inc. | 1 | $7.9 million |
Get told when this changes
When the next year’s lending figures are out for Frederick 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.