Mortgage Lenders and Brokers in Front Royal, 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
Front Royal, Virginia mortgage lenders include First BankFirst Bank1717 N Shenandoah Ave, Front Royal, VA 22630A+5.0 ★Texas Ratio: 2.42%, City National Bank of WVCity National Bank of WV600 N Commerce Ave, Front Royal, VA 22630A+5.0 ★Texas Ratio: 1.47%, Truist BankTruist Bank100 Crooked Run Plz, Front Royal, VA 22630A+5.0 ★Texas Ratio: 2.87%, United Bank VaUnited Bank Va1729 N Shenandoah Ave, Front Royal, VA 22630A+5.0 ★Texas Ratio: 2.15%, Wells Fargo Bank NAWells Fargo Bank NA256 Crooked Run Plz, Front Royal, VA 22630A+5.0 ★Texas Ratio: 5.36%, Atlantic Union BankAtlantic Union Bank473 South St, Front Royal, VA 22630A+5.0 ★Texas Ratio: 2.51%, Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA 22306A5.0 ★Texas Ratio: 8.14%, Apple Federal Credit UnionApple Federal Credit Union7696F Richmond Hwy, Alexandria, VA 22306, Bank of ClarkeBank of Clarke44810 Saranac St, Ashburn, VA 20147A5.0 ★Texas Ratio: 7.27%, and Farmers & Merchants BankFarmers & Merchants Bank100 Plaza Dr, Bridgewater, VA 22812A+5.0 ★Texas Ratio: 3.40%. 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 Front Royal, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Front Royal 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 Front Royal, Virginia
Market share is the lender's share of all home loans closed in Front Royal, 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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2 offices in Front Royal 1717 N Shenandoah Ave, Front Royal, VA 22630 A+5.0 ★Texas Ratio: 2.42% |
Conventional | 15 | 2.6% | 84.2% | $145,666 | View |
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1 office in Front Royal 600 N Commerce Ave, Front Royal, VA 22630 A+5.0 ★Texas Ratio: 1.47% |
Conventional, HELOC | 12 +7 HELOCs |
2.1% | 68.4% | $153,333 | View |
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★ 1 stars, 1 review 1 office in Front Royal 100 Crooked Run Plz, Front Royal, VA 22630 A+5.0 ★Texas Ratio: 2.87% |
Conventional, FHA, HELOC | 6 +14 HELOCs |
1% | 66.7% | $341,666 | View |
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2 offices in Front Royal 1729 N Shenandoah Ave, Front Royal, VA 22630 A+5.0 ★Texas Ratio: 2.15% |
Conventional, FHA, HELOC | 6 +2 HELOCs |
1% | 75% | $341,666 | View |
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2 offices in Front Royal 256 Crooked Run Plz, Front Royal, VA 22630 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 6 | 1% | 100% | $158,333 | View |
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1 office in Front Royal 473 South St, Front Royal, VA 22630 A+5.0 ★Texas Ratio: 2.51% |
Conventional, VA, HELOC | 5 +7 HELOCs |
0.9% | 100% | $275,000 | View |
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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 22 +12 HELOCs |
3.8% | 73.3% | $188,636 | |
Apple Federal Credit Union
7696F Richmond Hwy, Alexandria, VA 22306 |
Conventional, HELOC | 5 +6 HELOCs |
0.9% | 100% | $199,000 | |
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44810 Saranac St, Ashburn, VA 20147 A5.0 ★Texas Ratio: 7.27% |
Conventional | 5 | 0.9% | 100% | $275,000 | View |
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100 Plaza Dr, Bridgewater, VA 22812 A+5.0 ★Texas Ratio: 3.40% |
Conventional | 4 | 0.7% | 100% | $542,500 | View |
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6701 Northwestern Pike, Gore, VA 22637 A5.0 ★Texas Ratio: 11.21% |
Conventional | 3 | 0.5% | 100% | $341,666 | View |
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95 Community St, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 4.85% |
Conventional | 2 | 0.3% | 100% | $185,000 | View |
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120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional | 2 | 0.3% | 100% | $140,000 | View |
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13701 US Highway 29 Ste I, Chatham, VA 24531 A5.0 ★Texas Ratio: 7.25% |
Conventional | 2 | 0.3% | 100% | $45,000 | View |
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446 Madison Trade Plz Se, Leesburg, VA 20175 A+5.0 ★Texas Ratio: 0.66% |
Conventional | 2 | 0.3% | 100% | $780,000 | View |
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★ 1.7 stars, 3 reviews 3131 Duke St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +4 HELOCs |
0.2% | 100% | $235,000 | View |
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1008 N Glebe Rd, Arlington, VA 22201 4799 A+5.0 ★Texas Ratio: 2.12% |
VA, HELOC | 1 +2 HELOCs |
0.2% | 100% | $535,000 | View |
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950 N Glebe Rd, Arlington, VA 22203 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $65,000 | View |
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42030 Village Center Plz, Aldie, VA 20105 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $325,000 | View |
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1204 S Main St, Blacksburg, VA 24060 5546 A+5.0 ★Texas Ratio: 3.69% |
Conventional | 1 | 0.2% | 100% | $395,000 | View |
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5519 Franconia Rd, Alexandria, VA 22310 A5.0 ★Texas Ratio: 7.39% |
Conventional | 1 | 0.2% | 100% | $245,000 | View |
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4090 Lafayette Center Dr, Chantilly, VA 20151 C+4.2 ★Texas Ratio: 24.99% |
Conventional | 1 | 0.2% | 50% | $315,000 | View |
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933 E Main St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 3.79% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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32 Windward Dr, Fishersville, VA 22939 A+5.0 ★Texas Ratio: 1.68% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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13478 Carrollton Blvd Ste A, Carrollton, VA 23314 A5.0 ★Texas Ratio: 10.20% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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7485 Richmond Highway, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Atlantic Coast Mortgage, LLC
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Conventional, FHA, VA, USDA | 16 | 2.8% | 100% | $345,625 | |
Integrity Home Mortgage Corporation
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Conventional, FHA, VA, USDA | 16 | 2.8% | 100% | $336,250 | |
First Heritage Mortgage, LLC
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Conventional, FHA, VA | 10 | 1.7% | 100% | $413,000 | |
ALCOVA Mortgage, LLC
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Conventional, FHA, USDA | 9 | 1.6% | 90% | $291,666 | |
City Lending Inc.
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Conventional, FHA, USDA | 6 | 1% | 100% | $245,000 | |
Credit Union Mortgage Associat
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Conventional | 5 | 0.9% | 83.3% | $285,000 | |
Intercoastal Mortgage, LLC
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Conventional, FHA, VA | 5 | 0.9% | 100% | $455,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 5 | 0.9% | 83.3% | $269,000 | |
Vellum Mortgage, Inc.
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Conventional | 3 | 0.5% | 100% | $498,333 | |
First Savings Mortgage Corporation
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Conventional, VA | 2 | 0.3% | 100% | $350,000 | |
Jams-01 Inc dba Home Savings & Trust Mortgage
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Conventional | 2 | 0.3% | 100% | $360,000 | |
Tidewater Mortgage Services, Inc
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FHA | 1 | 0.2% | 100% | $415,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.2% | 100% | $415,000 | View |
Atlantic Bay Mortgage Group
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VA | 1 | 0.2% | 100% | $455,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 72 | 12.4% | 84.7% | $254,722 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 36 +3 HELOCs |
6.2% | 94.9% | $412,777 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 23 | 4% | 95.8% | $353,695 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 18 | 3.1% | 86.4% | $363,888 | |
Everett Financial, Inc.
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Conventional, FHA, VA, USDA | 17 | 2.9% | 100% | $270,882 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA, USDA | 14 | 2.4% | 100% | $323,571 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 12 | 2.1% | 85.7% | $200,000 | |
American Financial Network, Inc.
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Conventional, FHA, VA, USDA | 11 | 1.9% | 100% | $320,454 | |
Nationstar Mortgage
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Conventional, FHA | 11 | 1.9% | 78.6% | $96,818 | |
Shea Mortgage Inc.
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Conventional, VA | 9 | 1.6% | 100% | $441,666 | |
Mortgage Research Center
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VA | 9 | 1.6% | 69.2% | $441,666 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 8 +2 HELOCs |
1.4% | 81.8% | $150,000 | |
Guild Mortgage Company
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Conventional, FHA, VA | 8 | 1.4% | 100% | $275,000 | |
Cmg Mortgage Inc
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Conventional, FHA, VA, Jumbo | 8 | 1.4% | 88.9% | $530,000 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, FHA, VA, HELOC | 7 +1 HELOCs |
1.2% | 100% | $305,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 6 +1 HELOCs |
1% | 66.7% | $81,666 | |
Guaranteed Rate, Inc.
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Conventional, VA, USDA | 6 | 1% | 100% | $348,333 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 5 | 0.9% | 100% | $205,000 | |
Carrington Mortgage Services LLC
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Conventional, FHA, VA | 5 | 0.9% | 54.5% | $269,000 | |
RMC Home Mortgage, LLC
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Conventional, FHA | 4 | 0.7% | 100% | $507,500 | |
Newrez LLC
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Conventional, VA | 4 | 0.7% | 57.1% | $310,000 | |
Amerisave Mortgage Company
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Conventional, VA | 4 | 0.7% | 33.3% | $267,500 | |
Nfm, Inc
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Conventional, FHA | 4 | 0.7% | 100% | $287,500 | |
Lower, LLC
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Conventional, VA | 4 | 0.7% | 80% | $405,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, VA | 3 | 0.5% | 100% | $468,333 | View |
Nextmortgage, LLC
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Conventional, FHA, USDA | 3 | 0.5% | 100% | $188,333 | |
Embrace Home Loans, Inc.
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Conventional, FHA, VA | 3 | 0.5% | 100% | $318,333 | |
Zillow Home Loans, LLC
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Conventional, FHA | 3 | 0.5% | 80% | $295,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 3 | 0.5% | 100% | $215,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
FHA, VA | 3 | 0.5% | 100% | $441,666 | View |
Goodleap, LLC
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VA, HELOC | 2 +1 HELOCs |
0.3% | 100% | $265,000 | |
Primelending
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Conventional | 2 | 0.3% | 100% | $265,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 0.3% | 40% | $45,000 | |
Canopy Mortgage, LLC
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Conventional, FHA | 2 | 0.3% | 100% | $510,000 | |
Envoy Mortgage, Ltd
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Conventional | 2 | 0.3% | 100% | $300,000 | |
Acrisure Mortgage, LLC
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Conventional | 2 | 0.3% | 100% | $325,000 | |
Equity Prime Mortgage LLC
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FHA | 2 | 0.3% | 100% | $275,000 | |
Dart Bank
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Conventional, FHA | 2 | 0.3% | 100% | $605,000 | |
Fidelity Direct Mortgage, LLC
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Conventional, FHA | 2 | 0.3% | 100% | $455,000 | |
First Home Mortgage
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Conventional, FHA | 2 | 0.3% | 100% | $410,000 | |
AmWest Funding Corp
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Conventional | 2 | 0.3% | 100% | $240,000 | |
American Financing Corporation
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Conventional | 2 | 0.3% | 50% | $395,000 | |
Union Home Mortgage Corp.
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Conventional, VA | 2 | 0.3% | 100% | $455,000 | |
Geneva Financial LLC
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VA, USDA | 2 | 0.3% | 100% | $205,000 | |
Genway Home Mortgage, Inc.
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Conventional, FHA | 2 | 0.3% | 100% | $160,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 0.3% | 50% | $435,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 2 | 0.3% | 66.7% | $115,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.3% | 100% | $195,000 | View |
Ark-La-Tex Financial Services LLC
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Conventional, VA | 2 | 0.3% | 100% | $510,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 2 | 0.3% | 100% | $375,000 | View |
Mutual of Omaha Mortgage
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FHA, HELOC | 1 +1 HELOCs |
0.2% | 33.3% | $245,000 | |
American Portfolio Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $395,000 | |
Guaranteed Rate Affinity, LLC
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FHA | 1 | 0.2% | 100% | $615,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.2% | 100% | $225,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $215,000 | |
Allied Mortgage Group, Inc
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FHA | 1 | 0.2% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.2% | 100% | $325,000 | View |
Discover Bank
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Conventional | 1 | 0.2% | 25% | $55,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.2% | 50% | $275,000 | |
Network Capital Funding Corporation
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Conventional | 1 | 0.2% | 100% | $675,000 | |
Total Mortgage Services, LLC
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VA | 1 | 0.2% | 100% | $345,000 | |
Idb Global Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $455,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $185,000 | |
Peoples Mortgage Company
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Conventional | 1 | 0.2% | 100% | $245,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.2% | 100% | $455,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.2% | 100% | $445,000 | View |
Waterstone Mortgage Corporation
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VA | 1 | 0.2% | 100% | $175,000 | |
Nvr Mortgage Finance, Inc.
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Conventional | 1 | 0.2% | 50% | $325,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.2% | 100% | $245,000 | |
Agfirst Farm Credit Bank
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Conventional | 1 | 0.2% | 100% | $265,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $415,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.2% | 33.3% | $65,000 | |
Keystone Funding, Inc
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Conventional | 1 | 0.2% | 100% | $365,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.2% | 100% | $395,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.2% | 100% | $565,000 | |
Horizon Farm Credit, ACA
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Conventional | 1 | 0.2% | 100% | $135,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.2% | 100% | $325,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.2% | 100% | $285,000 | |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.2% | 100% | $405,000 | |
Tammac Holdings Corporation
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Conventional | 1 | 0.2% | 100% | $125,000 | |
Village Capital & Investment
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VA | 1 | 0.2% | 75% | $315,000 | |
Figure Lending LLC
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HELOC | 0 +6 HELOCs |
0% | n/a | ||
Tower Federal Credit Union
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Alliant Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Fourleaf Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
Genisys 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 | |
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A+5.0 ★Texas Ratio: 5.05% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
HomeBridge Financial Services, Inc
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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 |
Front Royal 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 Front Royal, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Front Royal? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Front Royal in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Front Royal, VA
Use these to narrow the list above. Each category shows how many Front Royal, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Front Royal, VA
Independent mortgage companies closed 77.4 percent of home loans in Front Royal, Virginia in 2025, banks 15.9 percent and credit unions 6.7 percent. Atlantic Coast Mortgage, LLC was the largest mortgage company, First Bank the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in Virginia, First Bank led with 15 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 Front Royal, VA
By home loans closed in 2025, First Bank was the largest mortgage lender in Front Royal, Virginia with 15 loans, about 2.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Front Royal, Virginia, Rocket Mortgage approved the highest share of completed applications in 2025 at 84.7 percent, against a 85.6 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.
46 lenders closed FHA loans in Front Royal, Virginia in 2025, led by Rocket Mortgage with 15. 38 lenders closed VA loans, led by Freedom Mortgage Corporation, and 10 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. 33 banks and 15 credit unions closed home loans in Front Royal, Virginia in 2025, alongside 84 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 Front Royal, 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 Front Royal, 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 Front Royal. 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.
