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Mortgage Lenders and Brokers in Mechanicsville, Virginia

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Mechanicsville, Virginia mortgage lenders include United Bank VaUnited Bank Va6315 Mechanicsville Tpke, Mechanicsville, VA 23111A+5.0 ★Texas Ratio: 2.15%, Citizens and Farmers BankCitizens and Farmers Bank7021 Mechanicsville Tpke, Mechanicsville, VA 23111A+5.0 ★Texas Ratio: 0.62%, Truist BankTruist Bank9283 Chamberlayne Rd, Mechanicsville, VA 23116A+5.0 ★Texas Ratio: 2.87%, Primis BankPrimis Bank9495 Charter Gate Dr, Mechanicsville, VA 23116A5.0 ★Texas Ratio: 13.21%, Wells Fargo Bank NAWells Fargo Bank NA8111 Mechanicsville Tpke, Mechanicsville, VA 23111A+5.0 ★Texas Ratio: 5.36%, Atlantic Union BankAtlantic Union Bank6479 Mechanicsville Tpke, Mechanicsville, VA 23111A+5.0 ★Texas Ratio: 2.51%, M&T BankM&T Bank8206 Atlee Rd, Mechanicsville, VA 23116A+5.0 ★Texas Ratio: 4.11%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA9159 Chamberlayne Rd, Mechanicsville, VA 23116A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA6563 Mechanicsville Tpke, Mechanicsville, VA 23111A+5.0 ★Texas Ratio: 4.14%, and Virginia Federal Credit UnionVirginia Federal Credit UnionCreighton Crossing Shopping Center, Mechanicsville, VA 23111 4595A5.0 ★Texas Ratio: 6.40%. 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 Mechanicsville, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Mechanicsville 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 Mechanicsville, Virginia

Market share is the lender's share of all home loans closed in Mechanicsville, 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
United Bank Va 1 office in Mechanicsville 6315 Mechanicsville Tpke, Mechanicsville, VA 23111 A+5.0 ★Texas Ratio: 2.15%	Conventional, FHA, HELOC	31 +2 HELOCs	3.4%	100%	$313,387	View
Citizens and Farmers Bank 1 office in Mechanicsville 7021 Mechanicsville Tpke, Mechanicsville, VA 23111 A+5.0 ★Texas Ratio: 0.62%	Conventional	16	1.8%	75%	$156,875	View
Truist Bank ★ 1 stars, 1 review 2 offices in Mechanicsville 9283 Chamberlayne Rd, Mechanicsville, VA 23116 A+5.0 ★Texas Ratio: 2.87%	Conventional, VA, HELOC	11 +29 HELOCs	1.2%	100%	$286,818	View
Primis Bank 2 offices in Mechanicsville 9495 Charter Gate Dr, Mechanicsville, VA 23116 A5.0 ★Texas Ratio: 13.21%	Conventional	6	0.7%	100%	$150,000	View
Wells Fargo Bank NA 3 offices in Mechanicsville 8111 Mechanicsville Tpke, Mechanicsville, VA 23111 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA	6	0.7%	75%	$211,666	View
Atlantic Union Bank 2 offices in Mechanicsville 6479 Mechanicsville Tpke, Mechanicsville, VA 23111 A+5.0 ★Texas Ratio: 2.51%	Conventional, HELOC	5 +27 HELOCs	0.5%	100%	$319,000	View
M&T Bank 1 office in Mechanicsville 8206 Atlee Rd, Mechanicsville, VA 23116 A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA, HELOC	3 +5 HELOCs	0.3%	100%	$225,000	View
JPMorgan Chase Bank, NA 2 offices in Mechanicsville 9159 Chamberlayne Rd, Mechanicsville, VA 23116 A+5.0 ★Texas Ratio: 3.68%	Conventional	2	0.2%	100%	$230,000	View
Bank of America NA 1 office in Mechanicsville 6563 Mechanicsville Tpke, Mechanicsville, VA 23111 A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +9 HELOCs	0%	n/a		View
Virginia Federal Credit Union Creighton Crossing Shopping Center, Mechanicsville, VA 23111 4595 A5.0 ★Texas Ratio: 6.40%	Conventional, FHA, VA, HELOC	47 +31 HELOCs	5.1%	94.2%	$196,489	View
TowneBank 7279 Bell Creek Rd, Mechanicsville, VA 23111 A+5.0 ★Texas Ratio: 1.60%	Conventional, FHA, VA, HELOC	22 +7 HELOCs	2.4%	95.7%	$365,454	View
Navy Federal Credit Union 7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	18 +8 HELOCs	2%	90.5%	$283,888
Henrico Federal Credit Union 10401 Woodman Rd, Glen Allen, VA 23060 A5.0 ★Texas Ratio: 8.10%	Conventional	12	1.3%	92.3%	$84,166	View
Fulton Bank, National Association 95 Community St, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 4.85%	Conventional, HELOC	5 +2 HELOCs	0.5%	100%	$369,000	View
First Ciitizens Bank and Trust 950 N Glebe Rd, Arlington, VA 22203 A5.0 ★Texas Ratio: 7.72%	Conventional, HELOC	3 +1 HELOCs	0.3%	100%	$141,666	View
Dominion Energy Credit Union 5000 Dominion Blvd, Glen Allen, VA 23060 3308 A+5.0 ★Texas Ratio: 1.46%	Conventional	3	0.3%	75%	$71,666	View
Presidential Bank, FSB 1515 Wilson Blvd, Arlington, VA 22209 A-4.9 ★Texas Ratio: 16.48%	Conventional	3	0.3%	100%	$268,333	View
Langley Federal Credit Union 13478 Carrollton Blvd Ste A, Carrollton, VA 23314 A5.0 ★Texas Ratio: 10.20%	Conventional, HELOC	2 +8 HELOCs	0.2%	100%	$255,000	View
Argent Federal Credit Union 11651 Alliance Cir, Chester, VA 23831 1451 A+5.0 ★Texas Ratio: 4.48%	Conventional	2	0.2%	100%	$55,000	View
Citizens Bank, NA 1700 Diagonal Rd, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$235,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 3131 Duke St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$275,000	View
State Departmenet Federal Credit Union 1630 King St, Alexandria, VA 22314 2763 A+5.0 ★Texas Ratio: 4.05%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$465,000	View
First National Bank of PA 704 King Street, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 1.62%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$365,000	View
Bank of Clarke 44810 Saranac St, Ashburn, VA 20147 A5.0 ★Texas Ratio: 7.27%	Conventional	1	0.1%	100%	$455,000	View
Citizens Bank & Trust Co. 9060 N Five Forks Rd, Amelia Court House, VA 23002 A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$275,000	View
Primis Bank 9495 Charter Gate Dr, Mechanicsville, VA 23116 A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$275,000	View
Topside Federal Credit Union 17442 Dahlgren Rd, Dahlgren, VA 22448 A5.0 ★Texas Ratio: 6.63%	Conventional	1	0.1%	100%	$75,000	View
First Bank 98 Blue Ridge Blvd, Blue Ridge, VA 24064 A+5.0 ★Texas Ratio: 2.42%	Conventional	1	0.1%	66.7%	$35,000	View
TD Bank 6566 Little River Tpke, Alexandria, VA 22312 A+5.0 ★Texas Ratio: 3.71%	HELOC	0 +1 HELOCs	0%	n/a		View
Capital Center LLC	Conventional, FHA, VA	47	5.1%	94%	$349,680
C&F Mortgage Corporation A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	38	4.2%	100%	$316,052	View
Towne First Mortgage, LLC	Conventional, FHA, VA	25	2.7%	96.2%	$393,800
First Heritage Mortgage, LLC	Conventional, FHA, VA	22	2.4%	100%	$360,454
Prosperity Home Mortgage, LLC	Conventional, FHA, VA	21	2.3%	100%	$385,000
Call Federal	Conventional, HELOC	19 +7 HELOCs	2.1%	100%	$83,947
Atlantic Bay Mortgage Group	Conventional, FHA, VA	14	1.5%	100%	$395,000
ALCOVA Mortgage, LLC	Conventional, FHA	10	1.1%	83.3%	$379,000
Integrity Home Mortgage Corporation	Conventional, FHA, VA	9	1%	100%	$366,111
Atlantic Coast Mortgage, LLC	Conventional, FHA, VA	6	0.7%	100%	$331,666
Southern Trust Mortgage, LLC A4.7 ★Texas Ratio: 0.83%	Conventional, FHA	5	0.5%	100%	$279,000	View
C&F Select LLC	Conventional, FHA	4	0.4%	100%	$410,000
Intercoastal Mortgage, LLC	FHA	2	0.2%	100%	$390,000
Village Bank Mortgage	Conventional	2	0.2%	100%	$435,000
1St Advantage Federal Credit U	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$65,000
Tidewater Mortgage Services, Inc	Conventional	1	0.1%	100%	$215,000
Credit Union Mortgage Associat	Conventional	1	0.1%	100%	$155,000
Vellum Mortgage, Inc.	Conventional	1	0.1%	100%	$335,000
Village Bank and Trust Financial Corp	Conventional	1	0.1%	50%	$35,000
Rocket Mortgage	Conventional, FHA, VA	111	12.1%	89.8%	$215,270
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	39 +4 HELOCs	4.3%	86%	$356,282
Pennymac Loan Services LLC	Conventional, FHA, VA	28	3.1%	80.6%	$238,571
Movement Mortgage, LLC A+5.0 ★Texas Ratio: 0.40%	Conventional, FHA, VA, HELOC	23 +5 HELOCs	2.5%	96.2%	$327,173	View
Freedom Mortgage Corporation	Conventional, FHA, VA	19	2.1%	91.3%	$406,052
Nfm, Inc	Conventional, FHA, VA	14	1.5%	93.3%	$392,857
CrossCountry Mortgage, LLC	Conventional, FHA, VA	13	1.4%	100%	$313,461
Fairway Independent Mort Corp	Conventional, VA	13	1.4%	100%	$318,076
Nationstar Mortgage	Conventional, FHA	12	1.3%	86.7%	$225,000
Cmg Mortgage Inc	Conventional, FHA, VA	10	1.1%	100%	$302,000
Mortgage Research Center	FHA, VA	10	1.1%	64.7%	$463,000
DHI Mortgage Company, LTD.	Conventional, FHA, VA	10	1.1%	100%	$372,000
loanDepot.com LLC	Conventional, FHA, HELOC	9 +1 HELOCs	1%	90%	$162,777
Newrez LLC	Conventional, FHA, VA	9	1%	71.4%	$231,666
Vanderbilt Mortgage and Finance, Inc	Conventional	8	0.9%	80%	$368,750
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	7	0.8%	100%	$87,857	View
PHH Mortgage Corporation	Conventional, VA	5	0.5%	83.3%	$367,000
Amerisave Mortgage Company	Conventional, FHA	5	0.5%	35.7%	$173,000
Mutual of Omaha Mortgage	Conventional, FHA	5	0.5%	100%	$263,000
Spring Eq, LLC	Conventional	5	0.5%	71.4%	$51,000
American Neighborhood Mortgage Acceptance Company	Conventional, FHA, VA	5	0.5%	100%	$267,000
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA	4	0.4%	80%	$367,500	View
Primelending	Conventional	4	0.4%	100%	$310,000
Lakeview Loan Servicing, LLC	Conventional, FHA	4	0.4%	44.4%	$215,000
Loanunited.Com, LLC	Conventional, FHA	4	0.4%	100%	$370,000
Guild Mortgage Company	Conventional, FHA, VA	4	0.4%	100%	$340,000
American Financial Network, Inc.	Conventional, FHA, VA	4	0.4%	100%	$375,000
Discover Bank	Conventional	4	0.4%	36.4%	$120,000
Carrington Mortgage Services LLC	Conventional, FHA, VA	4	0.4%	57.1%	$185,000
Goodleap, LLC	Conventional, FHA, VA, HELOC	3 +1 HELOCs	0.3%	80%	$261,666
SWBC Mortgage Corporation	Conventional, FHA	3	0.3%	100%	$311,666
New Day Financial, LLC.	VA	3	0.3%	75%	$288,333
Churchill Mortgage Corporation	Conventional, FHA	3	0.3%	100%	$265,000
Planet Home Lending, LLC	VA	3	0.3%	100%	$381,666
New American Funding, LLC.	FHA, VA, HELOC	2 +1 HELOCs	0.2%	66.7%	$415,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.2%	100%	$490,000	View
American Financial Resources LLC	Conventional, VA	2	0.2%	100%	$210,000
Guaranteed Rate, Inc.	Conventional, FHA	2	0.2%	100%	$210,000
Royal United Mortgage LLC	Conventional	2	0.2%	100%	$200,000
Affordable Mortgage Advisors	Conventional, FHA	2	0.2%	100%	$265,000
Sage Home Loans Corporation	Conventional	2	0.2%	50%	$440,000
Nbkc Bank	Conventional, VA	2	0.2%	50%	$300,000
Union Home Mortgage Corp.	Conventional	2	0.2%	100%	$335,000
Calcon Mutual Mortgage LLC	Conventional	2	0.2%	100%	$295,000
Provident Funding Associates	Conventional	2	0.2%	100%	$400,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	2	0.2%	66.7%	$310,000	View
Better Mortgage Corporation	Conventional, VA	2	0.2%	66.7%	$505,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, FHA	2	0.2%	100%	$280,000	View
Lower, LLC	Conventional	2	0.2%	100%	$165,000
Plaza Home Mortgage, Inc	FHA	2	0.2%	100%	$375,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$145,000	View
EMM Loans LLC	FHA	1	0.1%	100%	$315,000
Panorama Mortgage Group, LLC	FHA	1	0.1%	50%	$355,000
Ruoff Mortgage Company	FHA	1	0.1%	100%	$345,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$295,000	View
Primary Residential Mortgage, INC.	Conventional	1	0.1%	100%	$295,000
Gold Star Mortgage Financial Group, Corporation	Conventional	1	0.1%	100%	$345,000
Everett Financial, Inc.	VA	1	0.1%	100%	$545,000
Watermark Capital, Inc.	Conventional	1	0.1%	100%	$435,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$415,000
Allied Mortgage Group, Inc	VA	1	0.1%	100%	$255,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.1%	100%	$455,000	View
Dart Bank	Conventional	1	0.1%	100%	$305,000
Regions Bank A+5.0 ★Texas Ratio: 4.37%	Conventional	1	0.1%	33.3%	$135,000	View
Resicentral LLC	FHA	1	0.1%	100%	$355,000
Instamortgage, Inc	Conventional	1	0.1%	100%	$355,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$585,000	View
Bayshore Mortgage Funding	Conventional	1	0.1%	100%	$695,000
Sun West Mortgage Company, Inc	VA	1	0.1%	50%	$385,000
Ross Mortgage Corporation	Conventional	1	0.1%	100%	$315,000
Network Capital Funding Corporation	VA	1	0.1%	100%	$405,000
Marlin Mortgage Capital, LLC	FHA	1	0.1%	100%	$255,000
Total Mortgage Services, LLC	Conventional	1	0.1%	100%	$325,000
Stg Mortgage Inc	FHA	1	0.1%	100%	$395,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	1	0.1%	50%	$575,000	View
Nicolet National Bank A+5.0 ★Texas Ratio: 2.28%	Conventional	1	0.1%	100%	$65,000	View
Milend, Inc	FHA	1	0.1%	100%	$265,000
Member First Mortgage, LLC	Conventional	1	0.1%	100%	$435,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0.1%	100%	$345,000	View
Zillow Home Loans, LLC	Conventional	1	0.1%	100%	$295,000
The Loan Store, Inc	Conventional	1	0.1%	100%	$85,000
Nationwide Mortgage Bankers, Inc.	FHA	1	0.1%	100%	$465,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	1	0.1%	100%	$385,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	100%	$215,000	View
Angel Oak Mortgage Solutions LLC	Conventional	1	0.1%	100%	$645,000
Reliance First Capital, LLC	FHA	1	0.1%	100%	$225,000
University Federal Credit Union A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.1%	100%	$405,000	View
Goprime Mortgage, Inc.	VA	1	0.1%	100%	$555,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	VA	1	0.1%	100%	$415,000	View
Village Capital & Investment	FHA	1	0.1%	100%	$315,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +10 HELOCs	0%	n/a		View
Figure Lending LLC	HELOC	0 +6 HELOCs	0%	n/a
Tower Federal Credit Union	HELOC	0 +5 HELOCs	0%	0%
HomeBridge Financial Services, Inc	HELOC	0 +5 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Alliant Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Everence Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	HELOC	0 +1 HELOCs	0%	n/a

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.

Mechanicsville Mortgage Rate Trends

Daily average mortgage rates for Virginia compared with the national average, updated every evening.

30-Year Fixed VA Avg

7.501%

▲ 0.110 vs 7 days ago

15-Year Fixed VA Avg

6.940%

▲ 0.085 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Mechanicsville, Virginia

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

Types of Mortgage Lenders in Mechanicsville, VA

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

Mortgage companies and brokers 84 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 45 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 19 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 57 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 43 lenders. No down payment and no mortgage insurance for eligible veterans and service members Local lenders based in VA 35 lenders headquartered in Virginia, the closest thing to a mortgage lender near you

Who Lends in Mechanicsville, VA

Independent mortgage companies closed 63.6 percent of home loans in Mechanicsville, Virginia in 2025, banks 24.6 percent and credit unions 11.8 percent. Capital Center LLC was the largest mortgage company, United Bank Va the largest bank and Virginia Federal Credit Union the largest credit union. Among lenders headquartered in Virginia, Citizens and Farmers Bank led with 16 loans.

63.6%

Mortgage companies

24.6%

Banks

11.8%

Credit unions

16%

FHA loans

10%

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

All Virginia lenders 802 lenders Virginia Beach 307 lenders Chesapeake 236 lenders Norfolk 216 lenders Richmond 254 lenders Newport News 193 lenders Hampton 185 lenders Suffolk 178 lenders Arlington 238 lenders Portsmouth 176 lenders Alexandria 227 lenders Roanoke 164 lenders Lynchburg 161 lenders

Frequently Asked Questions About Mortgage Lenders in Mechanicsville, VA

Who is the largest mortgage lender in Mechanicsville, VA?

By home loans closed in 2025, United Bank Va was the largest mortgage lender in Mechanicsville, Virginia with 31 loans, about 3.4 percent of the market. The largest lender headquartered in Virginia was Citizens and Farmers Bank with 16 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Mechanicsville, Virginia, Rocket Mortgage approved the highest share of completed applications in 2025 at 89.8 percent, against a 89.2 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 Mechanicsville, VA mortgage lenders offer FHA, VA and USDA loans?

57 lenders closed FHA loans in Mechanicsville, Virginia in 2025, led by Rocket Mortgage with 18. 43 lenders closed VA loans, led by Freedom Mortgage Corporation. 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 Mechanicsville, VA lender list?

Yes. 45 banks and 19 credit unions closed home loans in Mechanicsville, 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.

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

Lenders are ranked only by the number of home loans they closed in Mechanicsville, 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 Mechanicsville, 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 Mechanicsville. 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.