Mortgage lenders in Stafford County
4,608 mortgages were made in Stafford County, Virginia, in 2025, by 371 lenders. The median rate their borrowers got was 6.490% on a median loan of $405,000. Of 6,330 decisions, 1,420 were denials — 22.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Navy Federal Credit Union | 433 | 8.250% | $115,000 | 29.6% |
| Rocket Mortgage, LLC | 394 | 6.625% | $310,000 | 15.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 337 | 5.990% | $525,000 | 12.3% |
| Atlantic Coast Mortgage, LLC | 173 | 6.375% | $475,000 | 0.5% |
| FREEDOM MORTGAGE CORPORATION | 150 | 5.750% | $515,000 | 6.6% |
| MOVEMENT MORTGAGE, LLC | 133 | 6.250% | $465,000 | 2.8% |
| PENNYMAC LOAN SERVICES, LLC | 131 | 6.250% | $365,000 | 17.7% |
| Mortgage Research Center, LLC | 123 | 5.990% | $555,000 | 28.1% |
| CMG MORTGAGE, INC. | 110 | 6.000% | $520,000 | 4.2% |
| GUARANTEED RATE, INC. | 102 | 6.200% | $540,000 | 8.0% |
| NVR Mortgage Finance, Inc. | 88 | 5.990% | $575,000 | 22.8% |
| Truist Bank | 80 | 6.375% | $155,000 | 48.2% |
| PENTAGON FEDERAL CREDIT UNION | 63 | 7.625% | $245,000 | 27.8% |
| Atlantic Union Bank | 63 | 7.500% | $225,000 | 21.3% |
| Loandepot.Com, LLC | 62 | 7.500% | $165,000 | 20.0% |
| PNC Bank, National Association | 61 | 6.750% | $105,000 | 26.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 57 | 6.375% | $515,000 | 6.5% |
| NEWREZ LLC | 56 | 7.433% | $150,000 | 28.1% |
| Fairway Independent Mortgage Corporation | 56 | 6.433% | $505,000 | 1.8% |
| NATIONSTAR MORTGAGE LLC | 55 | 8.750% | $105,000 | 8.1% |
| Bank of America, National Association | 49 | 6.490% | $125,000 | 57.8% |
| Apple Federal Credit Union | 45 | 7.740% | $105,000 | 33.8% |
| SPRING EQ, LLC | 38 | 9.225% | $85,000 | 63.6% |
| Virginia Credit Union, Inc. | 37 | 6.240% | $105,000 | 17.8% |
| FIGURE LENDING LLC | 35 | 9.500% | $75,000 | 19.7% |
| Prosperity Home Mortgage, LLC | 35 | 6.125% | $555,000 | 7.9% |
| Manufacturers and Traders Trust Company | 34 | 5.990% | $525,000 | 30.6% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 33 | 6.250% | $555,000 | 0.0% |
| NFM, INC. | 31 | 6.375% | $425,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 29 | 6.125% | $385,000 | 59.4% |
| Coastal Community Bank | 29 | 10.240% | $75,000 | 2.3% |
| AmeriSave Mortgage Corporation | 29 | 8.500% | $165,000 | 59.2% |
| First Heritage Mortgage, LLC | 29 | 6.250% | $505,000 | 6.5% |
| KIND LENDING, LLC | 29 | 6.250% | $545,000 | 25.6% |
| EMBRACE HOME LOANS, INC. | 28 | 6.188% | $470,000 | 0.0% |
| Broker Solutions, Inc. | 26 | 6.813% | $390,000 | 14.7% |
| INTERCOASTAL MORTGAGE, LLC | 26 | 6.375% | $565,000 | 0.0% |
| United Bank | 23 | 5.990% | $425,000 | 8.0% |
| PLANET HOME LENDING, LLC | 23 | 5.750% | $545,000 | 11.1% |
| Vellum Mortgage, Inc. | 22 | 6.370% | $445,000 | 8.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 21 | 6.500% | $445,000 | 4.6% |
| SUMMIT FUNDING, INC. | 21 | 6.250% | $475,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 20 | 5.750% | $580,000 | 11.1% |
| The Federal Savings Bank | 20 | 6.063% | $605,000 | 13.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 20 | 6.125% | $495,000 | 0.0% |
| Ameris Bank | 20 | 6.250% | $455,000 | 9.1% |
| FIRST EQUITY MORTGAGE INCORPORATED | 19 | 5.875% | $405,000 | 38.7% |
| City Lending Inc. | 19 | 6.750% | $445,000 | 40.6% |
| HOMEAMERICAN MORTGAGE CORPORATION | 19 | 5.375% | $705,000 | 8.3% |
| MORIA DEVELOPMENT, INC. | 19 | 6.624% | $545,000 | 0.0% |
| Wells Fargo Bank, National Association | 18 | 6.250% | $320,000 | 18.2% |
| THE LOAN STORE, INC. | 18 | 6.558% | $345,000 | 5.3% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 17 | 6.125% | $745,000 | 32.0% |
| Alcova Mortgage LLC | 17 | 6.375% | $465,000 | 15.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 16 | 6.625% | $340,000 | 56.9% |
| USAA Federal Savings Bank | 16 | 6.375% | $565,000 | 41.4% |
| ZILLOW HOME LOANS, LLC | 16 | 6.433% | $455,000 | 5.9% |
| Citizens Bank, National Association | 15 | 8.400% | $115,000 | 36.0% |
| LOWER, LLC | 15 | 6.250% | $515,000 | 20.0% |
| GUILD MORTGAGE COMPANY | 15 | 6.125% | $545,000 | 15.8% |
| TOWER Federal Credit Union | 15 | 8.500% | $125,000 | 28.6% |
| JPMorgan Chase Bank, National Association | 15 | 6.375% | $425,000 | 11.8% |
| GUARANTEED RATE AFFINITY, LLC | 15 | 6.250% | $425,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 14 | 6.313% | $435,000 | 27.3% |
| NEW DAY FINANCIAL, LLC | 13 | 6.750% | $535,000 | 48.2% |
| Third Federal Savings and Loan Association of Cleveland | 13 | 6.990% | $125,000 | 40.9% |
| BETTER MORTGAGE CORPORATION | 13 | 9.250% | $95,000 | 13.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 13 | 10.535% | $165,000 | 12.5% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 13 | 6.125% | $475,000 | 7.1% |
| JAMS-01, INC. | 13 | 6.500% | $465,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 12 | 8.120% | $180,000 | 20.0% |
| U.S. Bank National Association | 12 | 7.875% | $145,000 | 50.0% |
| GoodLeap, LLC | 12 | 7.863% | $150,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 12 | 6.625% | $420,000 | 20.0% |
| The Freedom Bank of Virginia | 12 | 6.188% | $425,000 | 7.1% |
| Discover Bank | 11 | 9.550% | $95,000 | 75.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 11 | 5.750% | $575,000 | 21.4% |
| UNION HOME MORTGAGE CORP. | 11 | 5.875% | $645,000 | 15.4% |
| Integrity Home Mortgage Corporation | 11 | 6.250% | $475,000 | 7.7% |
| JUSTICE Federal Credit Union | 11 | 7.250% | $115,000 | 7.1% |
| Northwest Federal Credit Union | 11 | 7.000% | $155,000 | 20.0% |
| Towne Bank | 11 | 6.490% | $455,000 | 0.0% |
| Topside Federal Credit Union | 10 | 7.500% | $80,000 | 15.4% |
| NBKC BANK | 10 | 6.313% | $485,000 | 9.1% |
| BAY EQUITY LLC | 10 | 6.813% | $550,000 | 0.0% |
| LINKBANK | 10 | Not published | $215,000 | 0.0% |
| LANGLEY Federal Credit Union | 10 | 7.115% | $105,000 | 9.1% |
| NATIONS DIRECT MORTGAGE, LLC | 10 | 6.433% | $505,000 | 9.1% |
| Equity Prime Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| LoanUnited.com, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| DHI MORTGAGE COMPANY, LTD. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 7 | Under 10 loans | Under 10 loans | 61.1% |
| PHH Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 46.2% |
| Carter Bank & Trust | 7 | Under 10 loans | Under 10 loans | 36.4% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Burke & Herbert Bank & Trust Company | 7 | Under 10 loans | Under 10 loans | 0.0% |
| C & F Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 87.7% |
| CALCON MUTUAL MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| TD Bank, National Association | 6 | Under 10 loans | Under 10 loans | 45.5% |
| STG MORTGAGE INC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Shore United Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CAPITAL CENTER, L.L.C. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Magnolia Bank, Incorporated | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ARC HOME LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| The Dart Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Capital Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 14.3% |
| CLEARPATH LENDING | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Fulton Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| COMMONWEALTH ONE | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Home Mortgage Alliance Corporation (HMAC) | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| First-Citizens Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Presidential Bank, FSB | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| T2 FINANCIAL LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 63.6% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 70.0% |
| MILEND, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| GENWAY HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 254900WAGGUGSFXUZ903 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GVC MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United States Senate Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| RMC HOME MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| TAMMAC HOLDINGS CORPORATION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Citizens and Farmers Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BAYSHORE MORTGAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Loansteady LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FEDCHOICE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Brighton Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, 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% |
| MORTGAGEONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EASTMAN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, 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 171 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Stafford County
16 FDIC-insured branches from 9 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Carter Bank & Trust | 3 | $174.6 million |
| JPMorgan Chase Bank, National Association | 3 | $39.4 million |
| Wells Fargo Bank, National Association | 2 | $330.8 million |
| Truist Bank | 2 | $328.2 million |
| PNC Bank, National Association | 2 | $256.1 million |
| Bank of America, National Association | 1 | $205.3 million |
| Atlantic Union Bank | 1 | $75.9 million |
| United Bank | 1 | $50.7 million |
| Citizens and Farmers Bank | 1 | $36.2 million |
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When the next year’s lending figures are out for Stafford 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.