Mortgage Lenders and Brokers in Fredericksburg, Virginia
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Fredericksburg, Virginia mortgage lenders include Atlantic Union BankAtlantic Union Bank725 Kenmore Ave, Fredericksburg, VA 22401A+5.0 ★Texas Ratio: 2.51%, M&T BankM&T Bank2062 Plank Rd, Fredericksburg, VA 22401A+5.0 ★Texas Ratio: 4.11%, Truist BankTruist Bank375 Chatham Heights Rd, Fredericksburg, VA 22405A+5.0 ★Texas Ratio: 2.87%, Shore United Bank, N.A.Shore United Bank, N.A.425 William St, Fredericksburg, VA 22401A5.0 ★Texas Ratio: 9.61%, Bank of America NABank of America NA10065 Patriot Hwy, Fredericksburg, VA 22407A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA25 Banks Ford Pkwy, Fredericksburg, VA 22406A+5.0 ★Texas Ratio: 3.68%, Citizens and Farmers BankCitizens and Farmers Bank402 William St, Fredericksburg, VA 22401A+5.0 ★Texas Ratio: 0.62%, PNC Bank N.A.PNC Bank N.A.4319 Plank Rd, Fredericksburg, VA 22407A+5.0 ★Texas Ratio: 4.24%, United Bank VaUnited Bank Va10800a Courthouse Rd, Fredericksburg, VA 22408A+5.0 ★Texas Ratio: 2.15%, and Wells Fargo Bank NAWells Fargo Bank NA5636 Plank Rd, Fredericksburg, VA 22407A+5.0 ★Texas Ratio: 5.36%. 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 Fredericksburg, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Fredericksburg 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 Fredericksburg, Virginia
Market share is the lender's share of all home loans closed in Fredericksburg, 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 |
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6 offices in Fredericksburg 725 Kenmore Ave, Fredericksburg, VA 22401 A+5.0 ★Texas Ratio: 2.51% |
Conventional, VA, HELOC | 7 +12 HELOCs |
1.8% | 87.5% | $493,571 | View |
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1 office in Fredericksburg 2062 Plank Rd, Fredericksburg, VA 22401 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 4 | 1% | 100% | $482,500 | View |
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★ 1 stars, 1 review 4 offices in Fredericksburg 375 Chatham Heights Rd, Fredericksburg, VA 22405 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 3 +4 HELOCs |
0.8% | 100% | $501,666 | View |
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2 offices in Fredericksburg 425 William St, Fredericksburg, VA 22401 A5.0 ★Texas Ratio: 9.61% |
Conventional | 3 | 0.8% | 100% | $181,666 | View |
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3 offices in Fredericksburg 10065 Patriot Hwy, Fredericksburg, VA 22407 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +2 HELOCs |
0.5% | 100% | $355,000 | View |
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3 offices in Fredericksburg 25 Banks Ford Pkwy, Fredericksburg, VA 22406 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.5% | 100% | $620,000 | View |
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2 offices in Fredericksburg 402 William St, Fredericksburg, VA 22401 A+5.0 ★Texas Ratio: 0.62% |
Conventional | 2 | 0.5% | 100% | $125,000 | View |
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★ 1.7 stars, 3 reviews 4 offices in Fredericksburg 4319 Plank Rd, Fredericksburg, VA 22407 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +10 HELOCs |
0.3% | 100% | $365,000 | View |
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3 offices in Fredericksburg 10800a Courthouse Rd, Fredericksburg, VA 22408 A+5.0 ★Texas Ratio: 2.15% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $375,000 | View |
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5 offices in Fredericksburg 5636 Plank Rd, Fredericksburg, VA 22407 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.3% | 100% | $325,000 | View |
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3 offices in Fredericksburg 70 Chatham Heights Rd, Fredericksburg, VA 22405 A5.0 ★Texas Ratio: 7.55% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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3445 Fall Hill Ave, Fredericksburg, VA 22401 A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 18 +14 HELOCs |
4.7% | 90% | $377,777 | |
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2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974 A5.0 ★Texas Ratio: 6.40% |
Conventional, VA, HELOC | 5 +2 HELOCs |
1.3% | 100% | $221,000 | View |
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2004 Augustine Ave, Fredericksburg, VA 22401 A5.0 ★Texas Ratio: 6.63% |
Conventional, HELOC | 2 +2 HELOCs |
0.5% | 100% | $125,000 | View |
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13478 Carrollton Blvd Ste A, Carrollton, VA 23314 A5.0 ★Texas Ratio: 10.20% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $505,000 | View |
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1387 American Way, Bedford, VA 24523 A5.0 ★Texas Ratio: 11.24% |
Conventional | 1 | 0.3% | 100% | $355,000 | View |
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1008 N Glebe Rd, Arlington, VA 22201 4799 A+5.0 ★Texas Ratio: 2.12% |
Conventional | 1 | 0.3% | 100% | $95,000 | View |
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4090 Lafayette Center Dr, Chantilly, VA 20151 C+4.2 ★Texas Ratio: 24.99% |
Conventional | 1 | 0.3% | 100% | $305,000 | View |
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2879 Clarendon Boulevard, Arlington, VA 22201 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,425,000 | View |
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4075wilson Boulevard, Arlington, VA 22203 A+5.0 ★Texas Ratio: 3.04% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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1700 Diagonal Rd, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Apple Federal Credit Union
7696F Richmond Hwy, Alexandria, VA 22306 |
HELOC | 0 +1 HELOCs |
0% | 0% | ||
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6566 Little River Tpke, Alexandria, VA 22312 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Atlantic Coast Mortgage, LLC
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Conventional, FHA, VA | 16 | 4.2% | 100% | $375,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA, VA | 9 | 2.3% | 100% | $347,222 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 6 | 1.6% | 100% | $335,000 | View |
First Heritage Mortgage, LLC
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Conventional | 5 | 1.3% | 100% | $405,000 | |
Atlantic Bay Mortgage Group
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FHA, VA | 4 | 1% | 100% | $552,500 | |
ALCOVA Mortgage, LLC
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VA | 2 | 0.5% | 66.7% | $460,000 | |
City Lending Inc.
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FHA | 2 | 0.5% | 40% | $375,000 | |
Integrity Home Mortgage Corporation
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Conventional, FHA | 2 | 0.5% | 100% | $135,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.3% | 100% | $235,000 | |
Intercoastal Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $525,000 | |
Capital Center LLC
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Conventional | 1 | 0.3% | 100% | $545,000 | |
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A+5.0 ★Texas Ratio: 1.80% |
Conventional | 1 | 0.3% | 100% | $245,000 | View |
Ussfcu
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA | 38 | 9.9% | 86.7% | $331,052 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, FHA, VA, HELOC | 24 +1 HELOCs |
6.2% | 96.3% | $471,666 | View |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 19 +2 HELOCs |
4.9% | 76.9% | $457,105 | |
Linkbank
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Conventional, Jumbo | 17 | 4.4% | 95% | $350,294 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA, VA | 13 | 3.4% | 100% | $407,307 | View |
Freedom Mortgage Corporation
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FHA, VA | 11 | 2.9% | 100% | $455,909 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 10 | 2.6% | 100% | $378,000 | |
Nvr Mortgage Finance, Inc.
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Conventional, FHA | 9 | 2.3% | 90% | $388,333 | |
Mortgage Research Center
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Conventional, VA | 9 | 2.3% | 69.2% | $419,444 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 8 | 2.1% | 83.3% | $300,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 7 | 1.8% | 100% | $399,285 | |
Cmg Mortgage Inc
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FHA, VA | 6 | 1.6% | 100% | $465,000 | |
Peoples Mortgage Company
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Conventional, FHA, VA | 6 | 1.6% | 100% | $296,666 | |
Nationstar Mortgage
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Conventional, FHA | 6 | 1.6% | 75% | $283,333 | |
Summit Funding.Inc
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Conventional, FHA, VA | 5 | 1.3% | 100% | $351,000 | |
Newrez LLC
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Conventional, VA | 4 | 1% | 36.4% | $587,500 | |
American Financial Network, Inc.
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Conventional, FHA, VA | 4 | 1% | 66.7% | $452,500 | |
American Pacific Mortgage Corporation
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Conventional | 4 | 1% | 100% | $325,000 | |
Zillow Home Loans, LLC
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Conventional, FHA, VA | 4 | 1% | 100% | $467,500 | |
Pentagon Federal Credit Union
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Conventional, VA, HELOC | 3 +2 HELOCs |
0.8% | 60% | $461,666 | |
Guaranteed Rate Affinity, LLC
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Conventional, VA | 3 | 0.8% | 100% | $461,666 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 3 | 0.8% | 100% | $385,000 | |
Fidelity Direct Mortgage, LLC
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Conventional, FHA | 3 | 0.8% | 100% | $288,333 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 0.8% | 100% | $451,666 | |
Spring Eq, LLC
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Conventional | 3 | 0.8% | 60% | $151,666 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 2 +1 HELOCs |
0.5% | 100% | $320,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 0.5% | 66.7% | $480,000 | View |
Primelending
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Conventional, FHA | 2 | 0.5% | 100% | $210,000 | |
Go Mortgage, LLC
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Conventional, FHA | 2 | 0.5% | 100% | $450,000 | |
Discover Bank
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Conventional | 2 | 0.5% | 50% | $130,000 | |
Ross Mortgage Corporation
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Conventional | 2 | 0.5% | 100% | $335,000 | |
ClearPath Lending
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VA | 2 | 0.5% | 100% | $645,000 | |
Cardinal Financial Company, Li
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FHA, VA | 2 | 0.5% | 100% | $525,000 | |
Stg Mortgage Inc
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FHA | 2 | 0.5% | 100% | $460,000 | |
Planet Home Lending, LLC
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VA | 2 | 0.5% | 100% | $545,000 | |
Lower, LLC
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Conventional, FHA | 2 | 0.5% | 100% | $330,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $55,000 | View |
Alliant Credit Union
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Conventional | 1 | 0.3% | 100% | $855,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.3% | 100% | $805,000 | View |
Everett Financial, Inc.
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FHA | 1 | 0.3% | 100% | $255,000 | |
Kind Lending, LLC
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VA | 1 | 0.3% | 50% | $685,000 | |
Dart Bank
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Conventional | 1 | 0.3% | 100% | $385,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.3% | 100% | $535,000 | |
United Trust Bank
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FHA | 1 | 0.3% | 100% | $205,000 | |
Usalliance Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $95,000 | |
Guild Mortgage Company
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VA | 1 | 0.3% | 100% | $405,000 | |
First Home Mortgage
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Conventional | 1 | 0.3% | 100% | $385,000 | |
HomeBridge Financial Services, Inc
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VA | 1 | 0.3% | 100% | $365,000 | |
Nqm Funding, LLC
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VA | 1 | 0.3% | 100% | $455,000 | |
East Coast Capital Corp.
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Conventional | 1 | 0.3% | 100% | $305,000 | |
Federated Mortgage Corp
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Conventional | 1 | 0.3% | 100% | $515,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $305,000 | |
Bay Equity LLC
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Conventional | 1 | 0.3% | 100% | $395,000 | |
Highlands Residential Mortgage, Ltd.
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FHA | 1 | 0.3% | 100% | $305,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.3% | 50% | $285,000 | View |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.3% | 100% | $395,000 | |
Mid-Island Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $185,000 | |
Towne Mortgage Company
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Conventional | 1 | 0.3% | 100% | $175,000 | |
Better Mortgage Corporation
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VA | 1 | 0.3% | 50% | $285,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.3% | 100% | $465,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.3% | 100% | $185,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.3% | 100% | $315,000 | View |
ClearEdge Lending LLC
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Conventional | 1 | 0.3% | 100% | $335,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.3% | 100% | $355,000 | View |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,455,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
VA | 1 | 0.3% | 50% | $445,000 | View |
Carrington Mortgage Services LLC
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FHA | 1 | 0.3% | 33.3% | $215,000 | |
Reliance First Capital, LLC
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Conventional | 1 | 0.3% | 100% | $455,000 | |
Goprime Mortgage, Inc.
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VA | 1 | 0.3% | 100% | $375,000 | |
The Mortgage Link, Inc.
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FHA | 1 | 0.3% | 100% | $415,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Genisys Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Tower Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Savings Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Fredericksburg Mortgage Rate Trends
Daily average mortgage rates for Virginia compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Fredericksburg, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Fredericksburg? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Fredericksburg in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Fredericksburg, VA
Use these to narrow the list above. Each category shows how many Fredericksburg, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Fredericksburg, VA
Independent mortgage companies closed 70.6 percent of home loans in Fredericksburg, Virginia in 2025, banks 20.8 percent and credit unions 8.6 percent. Atlantic Coast Mortgage, LLC was the largest mortgage company, Atlantic Union Bank the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in Virginia, Atlantic Union Bank led with 7 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 Fredericksburg, VA
By home loans closed in 2025, Atlantic Union Bank was the largest mortgage lender in Fredericksburg, Virginia with 7 loans, about 1.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
36 lenders closed FHA loans in Fredericksburg, Virginia in 2025, led by Rocket Mortgage with 8. 36 lenders closed VA loans, led by Movement Mortgage, LLC. 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. 35 banks and 14 credit unions closed home loans in Fredericksburg, Virginia in 2025, alongside 64 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 Fredericksburg, 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 Fredericksburg, 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 Fredericksburg. 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.
