Mortgage lenders in Richmond city
4,259 mortgages were made in Richmond city, Virginia, in 2025, by 377 lenders. The median rate their borrowers got was 6.625% on a median loan of $275,000. Of 5,487 decisions, 1,027 were denials — 18.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 262 | 6.750% | $240,000 | 14.8% |
| Virginia Credit Union, Inc. | 257 | 6.240% | $125,000 | 16.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 210 | 6.412% | $305,000 | 13.4% |
| CAPITAL CENTER, L.L.C. | 126 | 6.500% | $340,000 | 14.8% |
| Truist Bank | 121 | 6.590% | $225,000 | 44.4% |
| JPMorgan Chase Bank, National Association | 118 | 6.375% | $310,000 | 4.0% |
| Kiavi Funding, Inc. | 109 | 8.950% | $215,000 | 9.8% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 107 | 6.490% | $365,000 | 0.0% |
| Towne Bank | 105 | 6.625% | $285,000 | 9.8% |
| United Bank | 98 | 6.125% | $295,000 | 14.8% |
| C & F Mortgage Corporation | 93 | 6.500% | $315,000 | 1.0% |
| Atlantic Union Bank | 90 | 7.500% | $195,000 | 22.0% |
| Navy Federal Credit Union | 84 | 7.750% | $245,000 | 31.5% |
| Prosperity Home Mortgage, LLC | 84 | 6.625% | $395,000 | 2.3% |
| First Heritage Mortgage, LLC | 79 | 6.480% | $335,000 | 1.2% |
| Bank of America, National Association | 77 | 6.240% | $175,000 | 39.9% |
| NFM, INC. | 71 | 6.875% | $325,000 | 0.0% |
| First National Bank of Pennsylvania | 68 | 6.375% | $365,000 | 6.9% |
| Fulton Bank, National Association | 67 | 6.490% | $435,000 | 11.7% |
| PENNYMAC LOAN SERVICES, LLC | 66 | 6.625% | $330,000 | 14.5% |
| MOVEMENT MORTGAGE, LLC | 63 | 6.750% | $285,000 | 10.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 51 | 6.875% | $335,000 | 3.8% |
| Atlantic Coast Mortgage, LLC | 41 | 6.750% | $275,000 | 0.0% |
| Wells Fargo Bank, National Association | 35 | 6.250% | $400,000 | 27.1% |
| Fairway Independent Mortgage Corporation | 35 | 6.375% | $295,000 | 2.8% |
| NVR Mortgage Finance, Inc. | 33 | 5.990% | $265,000 | 23.3% |
| Loandepot.Com, LLC | 32 | 6.438% | $210,000 | 36.0% |
| CMG MORTGAGE, INC. | 32 | 6.750% | $315,000 | 2.5% |
| Alcova Mortgage LLC | 32 | 6.625% | $305,000 | 10.8% |
| LANGLEY Federal Credit Union | 31 | 6.990% | $115,000 | 35.4% |
| AMERICAN FINANCIAL NETWORK, INC. | 31 | 6.625% | $235,000 | 3.1% |
| NATIONSTAR MORTGAGE LLC | 28 | 8.250% | $100,000 | 8.8% |
| THE LOAN STORE, INC. | 28 | 7.495% | $225,000 | 8.6% |
| Citizens and Farmers Bank | 27 | Not published | $155,000 | 26.3% |
| GUILD MORTGAGE COMPANY | 27 | 6.625% | $295,000 | 3.2% |
| SOUTHERN TRUST MORTGAGE, LLC | 26 | 6.625% | $385,000 | 3.7% |
| NEWREZ LLC | 25 | 6.750% | $335,000 | 42.9% |
| U.S. Bank National Association | 25 | 6.375% | $305,000 | 27.8% |
| Mortgage Research Center, LLC | 24 | 6.500% | $290,000 | 36.8% |
| Integrity Home Mortgage Corporation | 24 | 6.750% | $255,000 | 6.9% |
| First-Citizens Bank & Trust Company | 23 | 6.350% | $405,000 | 31.4% |
| Virginia National Bank | 23 | Not published | $805,000 | 7.7% |
| CALL FEDERAL CREDIT UNION | 23 | 7.250% | $65,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 21 | 6.250% | $335,000 | 15.2% |
| AmeriSave Mortgage Corporation | 20 | 7.063% | $105,000 | 62.3% |
| SouthState Bank, National Association | 20 | 6.358% | $255,000 | 13.0% |
| FIRST BANK | 20 | Not published | $175,000 | 0.0% |
| PHH Mortgage Corporation | 19 | 6.500% | $405,000 | 17.4% |
| Hometown Equity Mortgage, LLC | 19 | 6.875% | $175,000 | 26.9% |
| FIRST HOME MORTGAGE CORPORATION | 19 | 6.750% | $375,000 | 0.0% |
| FIGURE LENDING LLC | 18 | 9.000% | $65,000 | 18.8% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 18 | 6.625% | $455,000 | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 18 | 7.438% | $220,000 | 10.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 17 | 7.124% | $225,000 | 5.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 16 | 6.750% | $310,000 | 0.0% |
| Ameris Bank | 16 | 6.313% | $410,000 | 0.0% |
| TOWER Federal Credit Union | 16 | 7.000% | $255,000 | 20.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 15 | 6.250% | $215,000 | 23.8% |
| C&F Select LLC | 15 | 6.875% | $355,000 | 0.0% |
| LENDINGONE, LLC | 14 | 6.735% | $225,000 | 41.7% |
| GUARANTEED RATE, INC. | 14 | 6.375% | $295,000 | 5.6% |
| Citizens Bank, National Association | 14 | 7.400% | $210,000 | 40.0% |
| SPRING EQ, LLC | 13 | 8.500% | $105,000 | 66.0% |
| Broker Solutions, Inc. | 13 | 6.625% | $145,000 | 22.2% |
| Coastal Community Bank | 13 | 10.490% | $45,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 13 | 7.490% | $145,000 | 12.5% |
| USAA Federal Savings Bank | 13 | 6.500% | $435,000 | 23.5% |
| DOMINION FINANCIAL SERVICES, LLC | 13 | 7.125% | $175,000 | 0.0% |
| NexBank | 13 | 6.250% | $325,000 | 13.3% |
| PENTAGON FEDERAL CREDIT UNION | 12 | 7.563% | $130,000 | 42.9% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 12 | 9.955% | $75,000 | 0.0% |
| Presidential Bank, FSB | 12 | 6.875% | $255,000 | 7.7% |
| VILLAGE BANK MORTGAGE CORPORATION | 12 | 6.875% | $320,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 11 | 6.625% | $325,000 | 54.2% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 11 | 10.240% | $205,000 | 7.1% |
| PNC Bank, National Association | 11 | 8.020% | $75,000 | 35.3% |
| 254900CTT87ZKAUTIJ37 | 11 | 7.500% | $245,000 | 21.4% |
| KIND LENDING, LLC | 11 | 6.500% | $335,000 | 21.4% |
| Third Federal Savings and Loan Association of Cleveland | 11 | 6.990% | $155,000 | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 11 | 6.990% | $315,000 | 0.0% |
| SWBC MORTGAGE CORPORATION | 11 | 6.750% | $255,000 | 8.3% |
| Towne First Mortgage, LLC | 11 | 6.875% | $325,000 | 0.0% |
| Strategic Funding, LP | 10 | 13.500% | $295,000 | 47.4% |
| HOMEXPRESS MORTGAGE CORP. | 10 | 7.250% | $275,000 | 33.3% |
| UNION HOME MORTGAGE CORP. | 10 | 6.500% | $455,000 | 9.1% |
| ZILLOW HOME LOANS, LLC | 10 | 6.625% | $225,000 | 0.0% |
| OCMBC, INC. | 9 | Under 10 loans | Under 10 loans | 50.0% |
| HENRICO Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 42.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| PANORAMA MORTGAGE GROUP, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Argent Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| LIMA ONE CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Morgan Stanley Private Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 7 | Under 10 loans | Under 10 loans | 41.7% |
| GoodLeap, LLC | 7 | Under 10 loans | Under 10 loans | 42.9% |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Plains Commerce Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Filo Mortgage, L.L.C. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 65.2% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 60.0% |
| TD Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Manufacturers and Traders Trust Company | 6 | Under 10 loans | Under 10 loans | 46.2% |
| FINANCE OF AMERICA REVERSE LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 10.0% |
| ALLIANT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 22.2% |
| TIDEWATER MORTGAGE SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Chesapeake Bank | 6 | Under 10 loans | Under 10 loans | 12.5% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Apple Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 58.3% |
| Loan Funder LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Bank | 5 | Under 10 loans | Under 10 loans | 14.3% |
| COREVEST AMERICAN FINANCE LENDER LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Easy Street Capital, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 84.6% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 75.0% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Truliant Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 16.7% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION ENERGY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Southern Bank and Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 14.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Citizens Bank and Trust Company | 3 | Under 10 loans | Under 10 loans | 20.0% |
| EQUITY RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHARTWAY FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FAY SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST BANCORP, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Archwest Funding | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JAMS-01, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 81.8% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 71.4% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Peoples Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Peoples Advantage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Northwest Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bank-Fund Staff Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Burke & Herbert Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMESTEAD FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United States Senate Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Genesis Capital, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | 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 177 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Richmond city
37 FDIC-insured branches from 16 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Truist Bank | 8 | $3.7 billion |
| Wells Fargo Bank, National Association | 6 | $2.7 billion |
| Atlantic Union Bank | 4 | $4.9 billion |
| TowneBank | 3 | $687.8 million |
| SouthState Bank, National Association | 3 | $389.9 million |
| Fulton Bank, National Association | 2 | $120.3 million |
| JPMorgan Chase Bank, National Association | 2 | $65.3 million |
| Bank of America, National Association | 1 | $23.0 billion |
| Chesapeake Bank | 1 | $77.5 million |
| Peoples Bank | 1 | $68.8 million |
| Citizens and Farmers Bank | 1 | $65.1 million |
| First Bank | 1 | $42.2 million |
| Manufacturers and Traders Trust Company | 1 | $29.7 million |
| Blue Ridge Bank, National Association | 1 | $28.1 million |
| Virginia National Bank | 1 | $26.3 million |
| Woodforest National Bank | 1 | $4.5 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- TowneBank, 3117 W Marshall St, Richmond
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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.