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.
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.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
|---|---|---|---|---|---|---|
|
★ 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 |
Daily average mortgage rates for Virginia compared with the national average, updated every evening.
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.
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.
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.
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).
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.
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.
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.
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.
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.
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.