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iAdvertiser Disclosure Advertiser DisclosureSome lenders listed may have a business relationship with MonitorBankRates. Rankings come only from federal loan counts, and health grades come from our own rating system. Advertiser relationships do not influence the order of the list, the grades, or the reviews shown.

Mortgage Lenders and Brokers in Culpeper, Virginia

Culpeper, Virginia mortgage lenders include Truist BankTruist Bank703 James Madison Hwy, Culpeper, VA 22701A+5.0 ★Texas Ratio: 2.87%, Wells Fargo Bank NAWells Fargo Bank NA795 Nalles Mill Rd, Culpeper, VA 22701A+5.0 ★Texas Ratio: 5.36%, Atlantic Union BankAtlantic Union Bank717 James Madison Hwy, Culpeper, VA 22701A+5.0 ★Texas Ratio: 2.51%, Uva Community Credit UnionUva Community Credit Union13701 US Highway 29 Ste I, Chatham, VA 24531A5.0 ★Texas Ratio: 7.25%, Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA 22306A5.0 ★Texas Ratio: 8.14%, Oak View National BankOak View National Bank450 James Madison Hwy, Culpeper, VA 22701A+5.0 ★Texas Ratio: 0.03%, Fulton Bank, National AssociationFulton Bank, National Association95 Community St, Charlottesville, VA 22911A+5.0 ★Texas Ratio: 4.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA106 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 3.68%, Bank of ClarkeBank of Clarke44810 Saranac St, Ashburn, VA 20147A5.0 ★Texas Ratio: 7.27%, and The Freedom Bank of VirginiaThe Freedom Bank of Virginia4090 Lafayette Center Dr, Chantilly, VA 20151C+4.2 ★Texas Ratio: 24.99%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Culpeper, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Culpeper are listed first, then lenders elsewhere in Virginia, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Culpeper, Virginia

Market share is the lender's share of all home loans closed in Culpeper, Virginia. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

LenderProgramsLoans closedMarket shareApproval shareAverage loanView
★ 1 stars, 1 review
2 offices in Culpeper
703 James Madison Hwy, Culpeper, VA 22701
A+5.0 ★Texas Ratio: 2.87%
Conventional, VA, HELOC 17
+23 HELOCs
2.4% 100% $353,823 View
1 office in Culpeper
795 Nalles Mill Rd, Culpeper, VA 22701
A+5.0 ★Texas Ratio: 5.36%
Conventional 8 1.1% 80% $303,750 View
2 offices in Culpeper
717 James Madison Hwy, Culpeper, VA 22701
A+5.0 ★Texas Ratio: 2.51%
Conventional, VA, HELOC 4
+12 HELOCs
0.6% 66.7% $540,000 View
13701 US Highway 29 Ste I, Chatham, VA 24531
A5.0 ★Texas Ratio: 7.25%
Conventional 28 4% 69% $165,000 View
7678D Richmond Hwy, Alexandria, VA 22306
A5.0 ★Texas Ratio: 8.14%
Conventional, VA, HELOC 18
+13 HELOCs
2.6% 64.3% $413,333
450 James Madison Hwy, Culpeper, VA 22701
A+5.0 ★Texas Ratio: 0.03%
Conventional 11 1.6% 91.7% $152,272 View
95 Community St, Charlottesville, VA 22911
A+5.0 ★Texas Ratio: 4.85%
Conventional, FHA, HELOC 7
+1 HELOCs
1% 88.9% $426,428 View
106 N Washington St, Alexandria, VA 22314
A+5.0 ★Texas Ratio: 3.68%
Conventional, FHA 4 0.6% 100% $235,000 View
44810 Saranac St, Ashburn, VA 20147
A5.0 ★Texas Ratio: 7.27%
Conventional 2 0.3% 100% $320,000 View
4090 Lafayette Center Dr, Chantilly, VA 20151
C+4.2 ★Texas Ratio: 24.99%
FHA, VA 2 0.3% 100% $355,000 View
10035 Sliding Hill Rd, Ashland, VA 23005
A+5.0 ★Texas Ratio: 1.60%
VA 2 0.3% 100% $495,000 View
42030 Village Center Plz, Aldie, VA 20105
A+5.0 ★Texas Ratio: 4.14%
Conventional, HELOC 1
+4 HELOCs
0.1% 100% $325,000 View
Apple Federal Credit Union
7696F Richmond Hwy, Alexandria, VA 22306
Conventional, HELOC 1
+4 HELOCs
0.1% 33.3% $85,000
120 Seminole Ct, Charlottesville, VA 22901
A5.0 ★Texas Ratio: 6.40%
Conventional, HELOC 1
+1 HELOCs
0.1% 50% $115,000 View
1700 Diagonal Rd, Alexandria, VA 22314
A+5.0 ★Texas Ratio: 5.44%
Conventional, HELOC 1
+1 HELOCs
0.1% 100% $495,000 View
1008 N Glebe Rd, Arlington, VA 22201 4799
A+5.0 ★Texas Ratio: 2.12%
Conventional, HELOC 1
+1 HELOCs
0.1% 50% $65,000 View
7901 Richmond Hwy, Alexandria, VA 22306
A+5.0 ★Texas Ratio: 2.15%
Conventional 1 0.1% 100% $305,000 View
7485 Richmond Highway, Alexandria, VA 22306
A+5.0 ★Texas Ratio: 4.11%
FHA 1 0.1% 50% $345,000 View
28904 North James Madison Highway, Arvonia, VA 23004
A+5.0 ★Texas Ratio: 1.11%
Conventional 1 0.1% 100% $15,000 View
108 Mcnair Rd, Fort Myer, VA 22211
A+5.0 ★Texas Ratio: 4.81%
VA 1 0.1% 100% $695,000 View
★ 1.7 stars, 3 reviews
3131 Duke St, Alexandria, VA 22314
A+5.0 ★Texas Ratio: 4.24%
HELOC 0
+8 HELOCs
0% 0% View
5519 Franconia Rd, Alexandria, VA 22310
A5.0 ★Texas Ratio: 7.39%
HELOC 0
+1 HELOCs
0% n/a View
2879 Clarendon Boulevard, Arlington, VA 22201
A+5.0 ★Texas Ratio: 2.82%
HELOC 0
+1 HELOCs
0% n/a View
Atlantic Coast Mortgage, LLC
Conventional, FHA, VA 19 2.7% 100% $365,526
Integrity Home Mortgage Corporation
Conventional, FHA, VA 13 1.9% 100% $345,769
First Heritage Mortgage, LLC
Conventional, FHA 11 1.6% 91.7% $257,727
Vellum Mortgage, Inc.
Conventional, FHA 7 1% 100% $299,285
Prosperity Home Mortgage, LLC
Conventional, VA 5 0.7% 100% $451,000
Jams-01 Inc dba Home Savings & Trust Mortgage
Conventional, VA 4 0.6% 100% $382,500
Strong Home Mortgage, LLC
Conventional, FHA 2 0.3% 100% $425,000
Tidewater Mortgage Services, Inc
FHA 1 0.1% 100% $365,000
ALCOVA Mortgage, LLC
VA 1 0.1% 100% $575,000
City Lending Inc.
FHA 1 0.1% 100% $465,000
Intercoastal Mortgage, LLC
Conventional 1 0.1% 100% $315,000
Capital Center LLC
Conventional 1 0.1% 50% $385,000
Atlantic Bay Mortgage Group
Conventional 1 0.1% 100% $285,000
Farm Credit of the Virginias, ACA
Conventional 1 0.1% 100% $475,000
Nvr Mortgage Finance, Inc.
Conventional, FHA, VA, USDA 96 13.7% 71.6% $386,875
Rocket Mortgage
Conventional, FHA, VA 67 9.6% 84.3% $274,253
Nfm, Inc
Conventional, FHA, VA 30 4.3% 96.8% $487,000
United Wholesale Mortgage
Conventional, FHA, VA, USDA 26 3.7% 87.5% $423,076
Embrace Home Loans, Inc.
Conventional, FHA, VA, USDA 21 3% 100% $427,857
Cmg Mortgage Inc
Conventional, FHA, VA, HELOC 19
+3 HELOCs
2.7% 100% $486,052
Pennymac Loan Services LLC
Conventional, FHA, VA 18 2.6% 81.8% $332,222
A+5.0 ★Texas Ratio: 0.40%
Conventional, FHA, VA, USDA 15 2.1% 85.7% $382,333 View
Freedom Mortgage Corporation
Conventional, FHA, VA 14 2% 93.8% $477,857
Newrez LLC
Conventional, FHA, VA 12 1.7% 80% $287,500
Homeamerican Mortgage Corporation
Conventional, FHA, VA 12 1.7% 100% $593,333
CrossCountry Mortgage, LLC
Conventional, FHA, VA, Jumbo 11 1.6% 100% $563,181
Guild Mortgage Company
Conventional, FHA, VA 11 1.6% 100% $514,090
Mortgage Research Center
VA 9 1.3% 90% $510,555
loanDepot.com LLC
Conventional, HELOC 6
+2 HELOCs
0.9% 66.7% $288,333
★ 4 stars, 1 review
A+5.0 ★Texas Ratio: 1.82%
Conventional, FHA 6 0.9% 75% $243,333 View
A5.0 ★Texas Ratio: 11.24%
Conventional, VA, HELOC 5
+2 HELOCs
0.7% 100% $537,000 View
Envoy Mortgage, Ltd
Conventional, FHA, VA 5 0.7% 71.4% $409,000
Nationstar Mortgage
Conventional, VA 5 0.7% 100% $177,000
New American Funding, LLC.
Conventional, FHA, VA 5 0.7% 100% $389,000
Fairway Independent Mort Corp
Conventional, VA 5 0.7% 83.3% $469,000
B+4.8 ★Texas Ratio: 16.98%
Conventional, FHA 5 0.7% 100% $387,000 View
Guaranteed Rate, Inc.
Conventional, VA 4 0.6% 100% $382,500
Amerisave Mortgage Company
Conventional 4 0.6% 30.8% $132,500
American Financial Network, Inc.
Conventional, FHA 4 0.6% 80% $310,000
B-3.5 ★Texas Ratio: 6.80%
Conventional, VA 4 0.6% 80% $430,000 View
Planet Home Lending, LLC
Conventional, FHA, VA 4 0.6% 100% $422,500
Waterstone Mortgage Corporation
Conventional, FHA 4 0.6% 100% $437,500
Pentagon Federal Credit Union
Conventional, VA, HELOC 3
+8 HELOCs
0.4% 100% $535,000
A+5.0 ★Texas Ratio: 2.85%
Conventional 3 0.4% 66.7% $281,666 View
PHH Mortgage Corporation
Conventional, FHA 3 0.4% 100% $345,000
Ross Mortgage Corporation
Conventional, FHA 3 0.4% 100% $375,000
Spring Eq, LLC
Conventional 3 0.4% 30% $141,666
Gold Star Mortgage Financial Group, Corporation
Conventional 2 0.3% 100% $355,000
AmeriHome Mortgage Company, LLC
FHA 2 0.3% 100% $385,000
Dart Bank
FHA 2 0.3% 100% $460,000
A+5.0 ★Texas Ratio: 5.05%
Conventional, FHA 2 0.3% 66.7% $325,000 View
Discover Bank
Conventional 2 0.3% 28.6% $115,000
Das Acquisition Company, LLC
FHA 2 0.3% 100% $370,000
Total Mortgage Services, LLC
FHA 2 0.3% 100% $410,000
Highlands Residential Mortgage, Ltd.
Conventional, VA 2 0.3% 100% $370,000
Peoples Mortgage Company
Conventional, VA 2 0.3% 100% $715,000
American Pacific Mortgage Corporation
Conventional, FHA 2 0.3% 100% $350,000
Emet Lending Group, Inc.
Conventional, FHA 2 0.3% 100% $485,000
Nations Direct Mortgage, LLC
Conventional 2 0.3% 100% $385,000
B-4.3 ★Texas Ratio: 23.12%
Conventional 2 0.3% 100% $415,000 View
A+5.0 ★Texas Ratio: 2.14%
Conventional, FHA 2 0.3% 100% $180,000 View
Carrington Mortgage Services LLC
Conventional, FHA 2 0.3% 40% $220,000
Village Capital & Investment
VA 2 0.3% 60% $405,000
Tower Federal Credit Union
Conventional, HELOC 1
+2 HELOCs
0.1% 100% $115,000
Alliant Credit Union
Conventional, HELOC 1
+1 HELOCs
0.1% 100% $355,000
American Portfolio Mortgage Corporation
Conventional 1 0.1% 100% $125,000
Guaranteed Rate Affinity, LLC
FHA 1 0.1% 50% $345,000
Royal United Mortgage LLC
Conventional 1 0.1% 100% $65,000
Primelending
Conventional 1 0.1% 100% $485,000
RANLife, Inc.
FHA 1 0.1% 100% $385,000
Lakeview Loan Servicing, LLC
VA 1 0.1% 22.2% $475,000
A+5.0 ★Texas Ratio: 4.31%
FHA 1 0.1% 100% $665,000 View
All Credit Considered Mortgage, Inc.
Conventional 1 0.1% 100% $305,000
Kind Lending, LLC
Conventional 1 0.1% 100% $485,000
Loanunited.Com, LLC
FHA 1 0.1% 100% $285,000
A+5.0 ★Texas Ratio: 2.38%
VA 1 0.1% 100% $475,000 View
Fidelity Direct Mortgage, LLC
FHA 1 0.1% 100% $335,000
First Home Mortgage
Conventional 1 0.1% 100% $565,000
A+5.0 ★Texas Ratio: 4.72%
Conventional 1 0.1% 100% $255,000 View
First Alliance Home Mortgage, LLC
Conventional 1 0.1% 100% $405,000
Bank Fund Staff Federal Credit
Conventional 1 0.1% 100% $35,000
American Financing Corporation
Conventional 1 0.1% 33.3% $75,000
Union Home Mortgage Corp.
Conventional 1 0.1% 100% $265,000
Bay Equity LLC
VA 1 0.1% 100% $395,000
Calcon Mutual Mortgage LLC
Conventional 1 0.1% 100% $605,000
Stg Mortgage Inc
FHA 1 0.1% 100% $495,000
New Day Financial, LLC.
VA 1 0.1% 25% $205,000
First Option Mortgage, LLC
FHA 1 0.1% 100% $405,000
Shoreham Bank
VA 1 0.1% 100% $425,000
Intelliloan, Inc.
FHA 1 0.1% 100% $355,000
Nations Lending Corporation
VA 1 0.1% 100% $395,000
T2 Financial LLC
Conventional 1 0.1% 100% $305,000
Hometown Equity Mortgage, LLC
Conventional 1 0.1% 100% $535,000
Sierra Pacific Mortgage Co. Inc
FHA 1 0.1% 100% $355,000
Milend, Inc
Conventional 1 0.1% 100% $375,000
Geo-Corp, Inc.
Conventional 1 0.1% 100% $485,000
The Loan Store, Inc
Conventional 1 0.1% 100% $335,000
Zillow Home Loans, LLC
Conventional 1 0.1% 100% $365,000
Mutual of Omaha Mortgage
FHA 1 0.1% 50% $285,000
A+5.0 ★Texas Ratio: 3.22%
VA 1 0.1% 100% $155,000 View
A+5.0 ★Texas Ratio: 3.10%
Conventional 1 0.1% 100% $285,000 View
Lower, LLC
Conventional 1 0.1% 50% $485,000
A+5.0 ★Texas Ratio: 0.51%
Conventional 1 0.1% 100% $75,000 View
Paramount Residential Mortgage
Conventional 1 0.1% 100% $425,000
Nexera Holding LLC
Conventional 1 0.1% 100% $395,000
A5.0 ★Texas Ratio: 9.09%
Conventional 1 0.1% 100% $165,000 View
Goprime Mortgage, Inc.
VA 1 0.1% 100% $545,000
Tammac Holdings Corporation
Conventional 1 0.1% 100% $95,000
Cake Mortgage Corp.
Conventional 1 0.1% 100% $435,000
B4.5 ★Texas Ratio: 20.96%
HELOC 0
+7 HELOCs
0% n/a View
Figure Lending LLC
HELOC 0
+3 HELOCs
0% n/a
Partners 1St Federal Credit Union
HELOC 0
+2 HELOCs
0% 0%
Lafayette Federal Credit Union
HELOC 0
+1 HELOCs
0% n/a
A+5.0 ★Texas Ratio: 2.32%
HELOC 0
+1 HELOCs
0% 0% View
Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Mortgage Lenders and Mortgage Brokers Near Me in Culpeper, Virginia

Looking for mortgage lenders near me or mortgage brokers near me in Culpeper? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Culpeper in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Culpeper, VA

Use these to narrow the list above. Each category shows how many Culpeper, VA lenders fit and what that kind of lender is usually best for.

Who Lends in Culpeper, VA

Independent mortgage companies closed 77.6 percent of home loans in Culpeper, Virginia in 2025, banks 14.6 percent and credit unions 7.9 percent. Atlantic Coast Mortgage, LLC was the largest mortgage company, Truist Bank the largest bank and Uva Community Credit Union the largest credit union. Among lenders headquartered in Virginia, Atlantic Union Bank led with 4 loans.

77.6%
Mortgage companies
14.6%
Banks
7.9%
Credit unions
24%
FHA loans
17%
VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Attorneys customarily handle closings in Virginia. State recordation tax of $0.25 per $100 on deeds and on deeds of trust (buyer/borrower), a state grantor tax of $0.50 per $500 (seller), localities may add one third of the state tax, and Northern Virginia and Hampton Roads add a regional grantor tax of $0.10 per $100 (Va. Code 58.1-801 through 58.1-803).

More Virginia Mortgage Lender Pages

Frequently Asked Questions About Mortgage Lenders in Culpeper, VA

Who is the largest mortgage lender in Culpeper, VA?

By home loans closed in 2025, Truist Bank was the largest mortgage lender in Culpeper, Virginia with 17 loans, about 2.4 percent of the market. The largest lender headquartered in Virginia was Atlantic Union Bank with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Culpeper, VA have the highest approval rates?

Among lenders with meaningful volume in Culpeper, Virginia, Rocket Mortgage approved the highest share of completed applications in 2025 at 84.3 percent, against a 81.7 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Culpeper, VA mortgage lenders offer FHA, VA and USDA loans?

52 lenders closed FHA loans in Culpeper, Virginia in 2025, led by Nvr Mortgage Finance, Inc. with 37. 45 lenders closed VA loans, led by Nvr Mortgage Finance, Inc., and 4 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Culpeper, VA lender list?

Yes. 38 banks and 11 credit unions closed home loans in Culpeper, Virginia in 2025, alongside 88 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Culpeper, VA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Culpeper, Virginia during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Culpeper, Virginia for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Culpeper. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.