Refinancing lenders in Loudoun County
2,191 refinancing mortgages were made in Loudoun County, Virginia, in 2025, by 268 lenders. The median rate their borrowers got was 5.990% on a median loan of $605,000. Of 2,831 decisions, 501 were denials — 17.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 274 | 5.875% | $625,000 | 5.6% |
| Rocket Mortgage, LLC | 166 | 5.875% | $650,000 | 14.6% |
| ABNB Federal Credit Union | 131 | 4.875% | $1,035,000 | 3.0% |
| Truist Bank | 99 | 6.190% | $255,000 | 31.8% |
| United Nations Federal Credit Union | 93 | 5.625% | $985,000 | 14.5% |
| FREEDOM MORTGAGE CORPORATION | 81 | 5.875% | $595,000 | 5.9% |
| PENNYMAC LOAN SERVICES, LLC | 79 | 5.875% | $655,000 | 9.6% |
| PENTAGON FEDERAL CREDIT UNION | 54 | 7.813% | $255,000 | 31.7% |
| Bank of America, National Association | 51 | 5.990% | $225,000 | 42.7% |
| PNC Bank, National Association | 50 | 7.820% | $210,000 | 34.2% |
| Manufacturers and Traders Trust Company | 47 | 5.875% | $855,000 | 22.6% |
| GUARANTEED RATE, INC. | 46 | 5.750% | $735,000 | 3.8% |
| Third Federal Savings and Loan Association of Cleveland | 41 | 6.990% | $255,000 | 38.2% |
| Loandepot.Com, LLC | 37 | 5.750% | $715,000 | 7.5% |
| NEWREZ LLC | 36 | 5.750% | $655,000 | 14.0% |
| First National Bank of Pennsylvania | 35 | 6.140% | $405,000 | 20.5% |
| TD Bank, National Association | 34 | 7.158% | $705,000 | 29.2% |
| Citizens Bank, National Association | 30 | 7.445% | $230,000 | 34.0% |
| UNION HOME MORTGAGE CORP. | 25 | 5.625% | $655,000 | 3.7% |
| Atlantic Coast Mortgage, LLC | 24 | 6.125% | $550,000 | 0.0% |
| Navy Federal Credit Union | 23 | 5.875% | $595,000 | 11.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 23 | 5.875% | $705,000 | 11.5% |
| INTERCOASTAL MORTGAGE, LLC | 22 | 6.120% | $840,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 19 | 5.870% | $635,000 | 0.0% |
| United Bank | 19 | 8.000% | $255,000 | 9.5% |
| JPMorgan Chase Bank, National Association | 18 | 6.375% | $590,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 18 | 5.990% | $680,000 | 0.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 17 | 5.750% | $1,005,000 | 5.6% |
| CMG MORTGAGE, INC. | 14 | 6.188% | $525,000 | 32.0% |
| CAPITAL CENTER, L.L.C. | 14 | 5.875% | $605,000 | 12.5% |
| PHH Mortgage Corporation | 13 | 5.875% | $535,000 | 6.7% |
| LAKEVIEW LOAN SERVICING, LLC | 13 | 5.990% | $595,000 | 64.1% |
| EDUCATIONAL SYSTEMS | 13 | 4.375% | $715,000 | 9.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 5.990% | $565,000 | 7.1% |
| A&D Mortgage LLC | 11 | 5.990% | $625,000 | 0.0% |
| U.S. Bank National Association | 11 | 6.125% | $335,000 | 15.4% |
| Atlantic Union Bank | 11 | 7.000% | $255,000 | 15.4% |
| First Heritage Mortgage, LLC | 11 | 5.980% | $645,000 | 0.0% |
| LANGLEY Federal Credit Union | 11 | 6.990% | $275,000 | 8.3% |
| PLANET HOME LENDING, LLC | 11 | 5.500% | $565,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 10 | 6.125% | $715,000 | 9.1% |
| ALLIANT CREDIT UNION | 10 | 7.875% | $330,000 | 28.6% |
| FEDERATED MORTGAGE CORP. | 10 | 5.875% | $750,000 | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Fairway Independent Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 7 | Under 10 loans | Under 10 loans | 16.7% |
| State Department Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Alcova Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Prosperity Home Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Ameris Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 6 | Under 10 loans | Under 10 loans | 12.5% |
| First-Citizens Bank & Trust Company | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Hanscom Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 72.2% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 78.3% |
| LoanUnited.com, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| EMBRACE HOME LOANS, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GUIDANCE RESIDENTIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MILEND, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| FIDELITY DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JAMS-01, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 20.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fulton Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| TOWER Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Bank of Clarke | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| The Freedom Bank of Virginia | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHARTWAY FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CENTURY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Apple Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Bank-Fund Staff Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 60.0% |
| GEORGIA'S OWN | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Wilmington Savings Fund Society, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Virginia Credit Union, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Burke & Herbert Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Aurora Financial, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 85.7% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 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 | 50.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| City National Bank of West Virginia | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IVY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WARSHAW CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit of the Virginias, ACA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Griffin Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ITHINK FINANCIAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| John Marshall Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| C & F Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Trustar Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Security Mortgage Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CityWorth Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCE HOUSE LARIBA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PATRIOT | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LINKBANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Charles Town | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old Dominion National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMA | 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 68 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.