Mortgage lenders in Spotsylvania County
4,656 mortgages were made in Spotsylvania County, Virginia, in 2025, by 352 lenders. The median rate their borrowers got was 6.500% on a median loan of $355,000. Of 6,381 decisions, 1,411 were denials — 22.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Navy Federal Credit Union | 363 | 8.000% | $105,000 | 24.9% |
| Rocket Mortgage, LLC | 363 | 6.625% | $285,000 | 15.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 292 | 5.999% | $420,000 | 11.4% |
| NVR Mortgage Finance, Inc. | 250 | 6.125% | $415,000 | 26.9% |
| MOVEMENT MORTGAGE, LLC | 185 | 6.500% | $395,000 | 6.0% |
| Atlantic Coast Mortgage, LLC | 138 | 6.375% | $405,000 | 2.0% |
| FREEDOM MORTGAGE CORPORATION | 122 | 6.000% | $465,000 | 7.4% |
| Virginia Credit Union, Inc. | 115 | 6.240% | $75,000 | 21.9% |
| PENNYMAC LOAN SERVICES, LLC | 108 | 5.995% | $345,000 | 13.3% |
| Atlantic Union Bank | 103 | 7.500% | $155,000 | 32.3% |
| PNC Bank, National Association | 103 | 0.250% | $75,000 | 26.4% |
| Mortgage Research Center, LLC | 98 | 5.990% | $475,000 | 31.3% |
| CMG MORTGAGE, INC. | 90 | 6.000% | $475,000 | 4.7% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 81 | 6.125% | $485,000 | 22.9% |
| GUARANTEED RATE, INC. | 80 | 5.990% | $510,000 | 4.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 75 | 6.625% | $435,000 | 6.1% |
| Truist Bank | 70 | 6.908% | $125,000 | 49.0% |
| Fairway Independent Mortgage Corporation | 68 | 6.250% | $420,000 | 9.1% |
| Loandepot.Com, LLC | 66 | 7.375% | $165,000 | 12.7% |
| NEWREZ LLC | 57 | 6.250% | $385,000 | 34.1% |
| NATIONSTAR MORTGAGE LLC | 57 | 8.750% | $105,000 | 13.2% |
| FIGURE LENDING LLC | 43 | 9.000% | $65,000 | 27.5% |
| NFM, INC. | 42 | 6.688% | $390,000 | 2.3% |
| First Heritage Mortgage, LLC | 37 | 6.250% | $425,000 | 5.1% |
| Bank of America, National Association | 36 | 6.375% | $230,000 | 63.0% |
| Prosperity Home Mortgage, LLC | 36 | 6.500% | $375,000 | 7.7% |
| PENTAGON FEDERAL CREDIT UNION | 35 | 7.625% | $155,000 | 41.0% |
| SUMMIT FUNDING, INC. | 35 | 6.250% | $335,000 | 2.8% |
| Coastal Community Bank | 34 | 9.740% | $55,000 | 4.9% |
| MORIA DEVELOPMENT, INC. | 33 | 6.375% | $395,000 | 2.9% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 32 | 6.624% | $360,000 | 0.0% |
| Ameris Bank | 32 | 6.313% | $365,000 | 0.0% |
| SPRING EQ, LLC | 30 | 9.394% | $70,000 | 66.3% |
| Manufacturers and Traders Trust Company | 29 | 5.990% | $355,000 | 32.6% |
| LINKBANK | 28 | Not published | $220,000 | 13.2% |
| AmeriSave Mortgage Corporation | 27 | 8.750% | $75,000 | 51.7% |
| Alcova Mortgage LLC | 27 | 6.500% | $375,000 | 6.5% |
| EMBRACE HOME LOANS, INC. | 26 | 5.995% | $405,000 | 3.3% |
| Broker Solutions, Inc. | 24 | 6.750% | $410,000 | 27.8% |
| LOWER, LLC | 23 | 6.625% | $385,000 | 17.2% |
| C & F Mortgage Corporation | 23 | 6.500% | $385,000 | 4.2% |
| UNION HOME MORTGAGE CORP. | 21 | 6.500% | $415,000 | 11.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 20 | 6.875% | $405,000 | 8.7% |
| LAKEVIEW LOAN SERVICING, LLC | 19 | 6.125% | $355,000 | 52.4% |
| CALCON MUTUAL MORTGAGE LLC | 19 | 6.000% | $455,000 | 24.0% |
| PLANET HOME LENDING, LLC | 19 | 5.750% | $485,000 | 20.0% |
| KIND LENDING, LLC | 18 | 6.125% | $385,000 | 40.0% |
| Integrity Home Mortgage Corporation | 18 | 6.563% | $370,000 | 4.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 17 | 5.875% | $335,000 | 64.3% |
| GUILD MORTGAGE COMPANY | 17 | 6.250% | $345,000 | 0.0% |
| LIMA ONE CAPITAL, LLC | 17 | 10.200% | $345,000 | 0.0% |
| City Lending Inc. | 16 | 7.058% | $340,000 | 15.8% |
| VILLAGE CAPITAL & INVESTMENT LLC | 15 | 5.750% | $415,000 | 10.5% |
| Topside Federal Credit Union | 15 | 8.250% | $95,000 | 34.8% |
| Fulton Bank, National Association | 15 | 6.490% | $455,000 | 0.0% |
| Citizens Bank, National Association | 14 | 8.025% | $115,000 | 46.2% |
| Third Federal Savings and Loan Association of Cleveland | 14 | 6.990% | $170,000 | 46.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 14 | 10.505% | $115,000 | 12.5% |
| The Freedom Bank of Virginia | 14 | 6.313% | $405,000 | 12.5% |
| Apple Federal Credit Union | 13 | 7.490% | $135,000 | 50.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 6.250% | $365,000 | 34.8% |
| Wells Fargo Bank, National Association | 13 | 6.250% | $305,000 | 27.8% |
| Vellum Mortgage, Inc. | 13 | 6.750% | $385,000 | 7.1% |
| USAA Federal Savings Bank | 13 | 6.500% | $435,000 | 18.8% |
| LANGLEY Federal Credit Union | 13 | 6.990% | $105,000 | 18.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 13 | 6.750% | $425,000 | 18.8% |
| 254900WAGGUGSFXUZ903 | 13 | 6.500% | $565,000 | 0.0% |
| The Federal Savings Bank | 12 | 6.563% | $525,000 | 25.0% |
| TOWER Federal Credit Union | 12 | 8.245% | $110,000 | 29.4% |
| Kiavi Funding, Inc. | 12 | 9.500% | $290,000 | 14.3% |
| INTERCOASTAL MORTGAGE, LLC | 12 | 6.375% | $365,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 11 | 6.990% | $435,000 | 53.8% |
| Discover Bank | 11 | 9.590% | $85,000 | 66.7% |
| GoodLeap, LLC | 11 | 6.375% | $145,000 | 31.6% |
| Shore United Bank, N.A. | 11 | 6.250% | $535,000 | 21.4% |
| ZILLOW HOME LOANS, LLC | 11 | 6.500% | $445,000 | 14.3% |
| HOMEAMERICAN MORTGAGE CORPORATION | 11 | 5.500% | $635,000 | 15.4% |
| SOFI BANK, NATIONAL ASSOCIATION | 10 | 8.390% | $105,000 | 9.1% |
| CAPITAL CENTER, L.L.C. | 10 | 6.563% | $280,000 | 9.1% |
| BETTER MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 43.8% |
| JPMorgan Chase Bank, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 52.6% |
| United Bank | 9 | Under 10 loans | Under 10 loans | 40.0% |
| TD Bank, National Association | 9 | Under 10 loans | Under 10 loans | 40.0% |
| THE LOAN STORE, INC. | 9 | Under 10 loans | Under 10 loans | 28.6% |
| TIDEWATER MORTGAGE SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Ixonia Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 46.7% |
| Baxter Credit Union | 8 | Under 10 loans | Under 10 loans | 18.2% |
| Carter Bank & Trust | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Towne Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 7 | Under 10 loans | Under 10 loans | 83.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PHH Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 22.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 7 | Under 10 loans | Under 10 loans | 20.0% |
| Paramount Residential Mortgage Group, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Presidential Bank, FSB | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST EQUITY MORTGAGE INCORPORATED | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| First National Bank of Pennsylvania | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FIRST HOME MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 25.0% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 30.0% |
| First Federal Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 25.0% |
| SELECT LENDING SERVICES LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| JUSTICE Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 5 | Under 10 loans | Under 10 loans | 14.3% |
| T2 FINANCIAL LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 33.3% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Citizens and Farmers Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Loansteady LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ENCOMPASS LENDING GROUP, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JAMS-01, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Loan Simple, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| INTELLILOAN, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Burke & Herbert Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 25.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SOUTHWEST STAGE FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DuPont Community Federally Insured State-Chartered Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Marine Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION ENERGY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| United Trust Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 20.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Mid-Continent Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIDELITY DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NASA Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY CAPITAL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIBRARY OF CONGRESS | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 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 152 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Spotsylvania County
22 FDIC-insured branches from 12 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Atlantic Union Bank | 4 | $766.1 million |
| Wells Fargo Bank, National Association | 3 | $449.4 million |
| Truist Bank | 2 | $416.7 million |
| PNC Bank, National Association | 2 | $198.1 million |
| Burke & Herbert Bank & Trust Company | 2 | $193.1 million |
| Bank of America, National Association | 2 | $144.0 million |
| Carter Bank & Trust | 2 | $88.1 million |
| Shore United Bank, National Association | 1 | $29.5 million |
| United Bank | 1 | $21.1 million |
| Blue Ridge Bank, National Association | 1 | $19.3 million |
| Woodforest National Bank | 1 | $7.7 million |
| JPMorgan Chase Bank, National Association | 1 | $7.2 million |
Closed since the 2025 survey
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- LINKBANK, 4210 Plank Rd, Fredericksburg
- LINKBANK, 7415 Laughlin Blvd, Spotsylvania Courthouse
Get told when this changes
When the next year’s lending figures are out for Spotsylvania 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.