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Home / Mortgage Lenders / Virginia / Richmond
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 Richmond, Virginia

Content reviewed by Brian McKay Brian McKay Brian McKayFounder and Data Architect at MonitorBankRates.com. For over 18 years he has engineered proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio | 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. | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Richmond, Virginia mortgage lenders include Virginia Federal Credit UnionVirginia Federal Credit Union4001 Lauderdale Dr, Richmond, VA 23233A5.0 ★Texas Ratio: 6.40%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA7203 Midlothian Tpke, Richmond, VA 23225A+5.0 ★Texas Ratio: 3.68%, United Bank VaUnited Bank Va2703 Buford Rd, Richmond, VA 23235A+5.0 ★Texas Ratio: 2.15%, First National Bank of PAFirst National Bank of PA5512 W Broad St, Richmond, VA 23230A+5.0 ★Texas Ratio: 1.62%, Truist BankTruist Bank4708 Forest Hill Ave, Richmond, VA 23225A+5.0 ★Texas Ratio: 2.87%, Fulton Bank, National AssociationFulton Bank, National Association9030 Stony Point Pkwy, Richmond, VA 23235A+5.0 ★Texas Ratio: 4.85%, Wells Fargo Bank NAWells Fargo Bank NA122 E Grace St, Richmond, VA 23219A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA1111 E Main St, Richmond, VA 23219A+5.0 ★Texas Ratio: 4.14%, Citizens and Farmers BankCitizens and Farmers Bank3490 Lauderdale Dr, Richmond, VA 23233A+5.0 ★Texas Ratio: 0.62%, and First BankFirst Bank5601 Patterson Ave, Richmond, VA 23226A+5.0 ★Texas Ratio: 2.42%. 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 Richmond, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Richmond 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 Richmond, Virginia

Market share is the lender's share of all home loans closed in Richmond, 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
Virginia Federal Credit Union
4001 Lauderdale Dr, Richmond, VA 23233
A5.0 ★Texas Ratio: 6.40%
 Conventional, FHA, VA, Jumbo, HELOC 155
+96 HELOCs
 5% 85.7% $261,709 View
JPMorgan Chase Bank, NA
6 offices in Richmond
7203 Midlothian Tpke, Richmond, VA 23225
A+5.0 ★Texas Ratio: 3.68%
 Conventional, FHA, Jumbo, HELOC 111
+3 HELOCs
 3.6% 96.6% $338,783 View
United Bank Va
3 offices in Richmond
2703 Buford Rd, Richmond, VA 23235
A+5.0 ★Texas Ratio: 2.15%
 Conventional, FHA, VA, Jumbo, HELOC 88
+6 HELOCs
 2.9% 89.8% $343,522 View
First National Bank of PA
1 office in Richmond
5512 W Broad St, Richmond, VA 23230
A+5.0 ★Texas Ratio: 1.62%
 Conventional, VA, Jumbo, HELOC 60
+6 HELOCs
 1.9% 95.2% $424,500 View
Truist Bank
★ 1 stars, 1 review
20 offices in Richmond
4708 Forest Hill Ave, Richmond, VA 23225
A+5.0 ★Texas Ratio: 2.87%
 Conventional, FHA, Jumbo, HELOC 51
+63 HELOCs
 1.7% 86.4% $464,803 View
Fulton Bank, National Association
3 offices in Richmond
9030 Stony Point Pkwy, Richmond, VA 23235
A+5.0 ★Texas Ratio: 4.85%
 Conventional, FHA, Jumbo, HELOC 50
+13 HELOCs
 1.6% 92.7% $599,400 View
Wells Fargo Bank NA
16 offices in Richmond
122 E Grace St, Richmond, VA 23219
A+5.0 ★Texas Ratio: 5.36%
 Conventional, Jumbo 34 1.1% 72.3% $486,764 View
Bank of America NA
10 offices in Richmond
1111 E Main St, Richmond, VA 23219
A+5.0 ★Texas Ratio: 4.14%
 Conventional, Jumbo, HELOC 25
+51 HELOCs
 0.8% 89.3% $440,600 View
Citizens and Farmers Bank
5 offices in Richmond
3490 Lauderdale Dr, Richmond, VA 23233
A+5.0 ★Texas Ratio: 0.62%
 Conventional, Jumbo 25 0.8% 72.2% $379,800 View
First Bank
1 office in Richmond
5601 Patterson Ave, Richmond, VA 23226
A+5.0 ★Texas Ratio: 2.42%
 Conventional 17 0.6% 100% $230,882 View
Virginia National Bank
1 office in Richmond
1401 Roseneath Rd, Richmond, VA 23230
A+5.0 ★Texas Ratio: 1.11%
 Conventional, Jumbo 14 0.5% 93.8% $477,857 View
First Ciitizens Bank and Trust
3 offices in Richmond
11776 W Broad St, Richmond, VA 23233
A5.0 ★Texas Ratio: 7.72%
 Conventional, FHA, Jumbo, HELOC 12
+9 HELOCs
 0.4% 85.7% $634,166 View
Atlantic Union Bank
9 offices in Richmond
9027 Forest Hill Ave, Richmond, VA 23235
A+5.0 ★Texas Ratio: 2.51%
 Conventional, Jumbo, HELOC 9
+72 HELOCs
 0.3% 69.2% $571,666 View
Southstate Bank, National Association
★ 5 stars, 1 review
4 offices in Richmond
1776 Staples Mill Rd, Richmond, VA 23230
A+5.0 ★Texas Ratio: 2.27%
 Conventional, FHA, Jumbo, HELOC 9
+10 HELOCs
 0.3% 100% $440,555 View
Primis Bank
1 office in Richmond
8821 W Broad St, Richmond, VA 23294
A5.0 ★Texas Ratio: 13.21%
 Conventional, Jumbo 5 0.2% 85.7% $281,000 View
Dominion Energy Credit Union
600 Canal Place, Richmond, VA 23219 3927
A+5.0 ★Texas Ratio: 1.46%
 Conventional 4 0.1% 80% $72,500 View
M&T Bank
1 office in Richmond
3124 W Broad St, Richmond, VA 23230
A+5.0 ★Texas Ratio: 4.11%
 Conventional, FHA, HELOC 3
+2 HELOCs
 0.1% 75% $301,666 View
Chesapeake Bank
4 offices in Richmond
5501 Patterson Ave, Richmond, VA 23226
A+5.0 ★Texas Ratio: 1.45%
 Conventional 3 0.1% 80% $308,333 View
Southern Bank and Trust Company
1 office in Richmond
7130 Glen Forest Drive, Richmond, VA 23226
A+5.0 ★Texas Ratio: 1.13%
 Conventional, HELOC 1
+2 HELOCs
 0% 100% $665,000 View
Peoples Bank
1 office in Richmond
320 N 1st St, Richmond, VA 23219
A+5.0 ★Texas Ratio: 3.39%
 HELOC 0
+2 HELOCs
 0% 0% View
TowneBank
4901 Libbie Mill East Blvd, Richmond, VA 23230
A+5.0 ★Texas Ratio: 1.60%
 Conventional, FHA, Jumbo, HELOC 72
+21 HELOCs
 2.3% 94.7% $341,944 View
Navy Federal Credit Union
5445 Glenside Dr, Richmond, VA 23228
A5.0 ★Texas Ratio: 8.14%
 Conventional, VA, HELOC 54
+29 HELOCs
 1.8% 74.3% $302,962
Presidential Bank, FSB
1515 Wilson Blvd, Arlington, VA 22209
A-4.9 ★Texas Ratio: 16.48%
 Conventional, FHA 11 0.4% 91.7% $275,000 View
Langley Federal Credit Union
13478 Carrollton Blvd Ste A, Carrollton, VA 23314
A5.0 ★Texas Ratio: 10.20%
 Conventional, HELOC 9
+22 HELOCs
 0.3% 90% $390,555 View
Argent Federal Credit Union
400 N 8th St, Richmond, VA 23219
A+5.0 ★Texas Ratio: 4.48%
 Conventional 9 0.3% 75% $81,666 View
Henrico Federal Credit Union
Bellwood Credit Union at DSCR, Richmond, VA 23297
A5.0 ★Texas Ratio: 8.10%
 Conventional 9 0.3% 57.9% $87,222 View
Citizens Bank, NA
1700 Diagonal Rd, Alexandria, VA 22314
A+5.0 ★Texas Ratio: 5.44%
 Conventional, Jumbo, HELOC 4
+10 HELOCs
 0.1% 66.7% $565,000 View
Apple Federal Credit Union
7696F Richmond Hwy, Alexandria, VA 22306
 Conventional, HELOC 4
+2 HELOCs
 0.1% 100% $162,500
Uva Community Credit Union
13701 US Highway 29 Ste I, Chatham, VA 24531
A5.0 ★Texas Ratio: 7.25%
 Conventional 4 0.1% 80% $247,500 View
Citibank, NA
2879 Clarendon Boulevard, Arlington, VA 22201
A+5.0 ★Texas Ratio: 2.82%
 Conventional, HELOC 3
+1 HELOCs
 0.1% 100% $318,333 View
Citizens Bank & Trust Co.
9060 N Five Forks Rd, Amelia Court House, VA 23002
A+5.0 ★Texas Ratio: 1.10%
 Conventional 3 0.1% 80% $295,000 View
Chartway FCU
575 Cedar Rd, Chesapeake, VA 23322 5564
 Conventional 3 0.1% 60% $148,333
TD Bank
6566 Little River Tpke, Alexandria, VA 22312
A+5.0 ★Texas Ratio: 3.71%
 Conventional, HELOC 2
+1 HELOCs
 0.1% 100% $120,000 View
First Horizon Bank
★ 5 stars, 1 review
21263 Lankford Hwy, Cape Charles, VA 23310
A+5.0 ★Texas Ratio: 5.76%
 Conventional, Jumbo 2 0.1% 100% $1,170,000 View
Trustar Bank
3101 Wilson Blvd, Arlington, VA 22201
A+5.0 ★Texas Ratio: 3.45%
 Conventional 2 0.1% 100% $675,000 View
Northwest Federal Credit Union
1008 N Glebe Rd, Arlington, VA 22201 4799
A+5.0 ★Texas Ratio: 2.12%
 Conventional 2 0.1% 100% $265,000 View
The Freedom Bank of Virginia
4090 Lafayette Center Dr, Chantilly, VA 20151
C+4.2 ★Texas Ratio: 24.99%
 Conventional 2 0.1% 100% $385,000 View
Peoples Advantage Federal Credit Union
3601 Dill Rd, Richmond, VA 23222 3459
A5.0 ★Texas Ratio: 6.74%
 Conventional 2 0.1% 50% $60,000 View
First Bank and Trust Company
933 E Main St, Abingdon, VA 24210
A+5.0 ★Texas Ratio: 3.79%
 Conventional, HELOC 1
+2 HELOCs
 0% 50% $145,000 View
Dollar Bank, FSB
750 Volvo Pkwy, Chesapeake, VA 23320
A+5.0 ★Texas Ratio: 5.29%
 Conventional, Jumbo, HELOC 1
+1 HELOCs
 0% 100% $1,065,000 View
Pinnacle Bank
4075wilson Boulevard, Arlington, VA 22203
A+5.0 ★Texas Ratio: 3.04%
 Conventional, HELOC 1
+1 HELOCs
 0% 100% $225,000 View
Select Bank
1387 American Way, Bedford, VA 24523
A5.0 ★Texas Ratio: 11.24%
 Conventional 1 0% 100% $665,000 View
Bank of Clarke
44810 Saranac St, Ashburn, VA 20147
A5.0 ★Texas Ratio: 7.27%
 Conventional 1 0% 100% $195,000 View
Signature Federal Credit Union
12 HERBERT ST, Alexandria, VA 22305
A5.0 ★Texas Ratio: 10.99%
 Conventional 1 0% 100% $95,000 View
Freedom First Federal Credit Union
1204 S Main St, Blacksburg, VA 24060 5546
A+5.0 ★Texas Ratio: 3.69%
 Conventional 1 0% 100% $305,000 View
PNC Bank N.A.
★ 1.7 stars, 3 reviews
3131 Duke St, Alexandria, VA 22314
A+5.0 ★Texas Ratio: 4.24%
 HELOC 0
+10 HELOCs
 0% n/a View
Abnb Federal Credit Union
1109 Cedar Rd, Chesapeake, VA 23322 7198
A+5.0 ★Texas Ratio: 5.45%
 HELOC 0
+1 HELOCs
 0% n/a View
Justice Federal Credit Union
600 Army Navy Dr, Arlington, VA 22202 4200
A5.0 ★Texas Ratio: 7.57%
 HELOC 0
+1 HELOCs
 0% n/a View
Capital Center LLC
 Conventional, FHA, Jumbo 123 4% 86.1% $372,642
Atlantic Bay Mortgage Group
 Conventional, FHA, VA, Jumbo 107 3.5% 100% $378,177
C&F Mortgage Corporation
A+5.0 ★Texas Ratio: 4.11%
 Conventional, FHA, VA, Jumbo 90 2.9% 98.9% $360,111 View
Prosperity Home Mortgage, LLC
 Conventional, FHA, VA, Jumbo 84 2.7% 97.7% $456,190
First Heritage Mortgage, LLC
 Conventional, FHA, VA, Jumbo 75 2.4% 98.7% $384,200
Atlantic Coast Mortgage, LLC
 Conventional, FHA 37 1.2% 100% $329,324
ALCOVA Mortgage, LLC
 Conventional, FHA, VA, Jumbo 30 1% 91.2% $369,333
Southern Trust Mortgage, LLC
A4.7 ★Texas Ratio: 0.83%
 Conventional, FHA, VA 26 0.8% 96.3% $435,000 View
Integrity Home Mortgage Corporation
 Conventional, FHA, Jumbo 22 0.7% 92.6% $341,818
Call Federal
 Conventional, HELOC 18
+5 HELOCs
 0.6% 100% $78,888
C&F Select LLC
 Conventional, VA 12 0.4% 100% $395,000
Village Bank Mortgage
 Conventional, FHA 12 0.4% 100% $330,833
Towne First Mortgage, LLC
 Conventional, FHA 10 0.3% 100% $414,000
Intercoastal Mortgage, LLC
 Conventional, FHA 9 0.3% 100% $405,000
Credit Union Mortgage Associat
 Conventional 7 0.2% 58.3% $216,428
Tidewater Mortgage Services, Inc
 Conventional, FHA, VA 6 0.2% 100% $268,333
First Savings Mortgage Corporation
 Conventional, Jumbo 5 0.2% 100% $483,000
1St Advantage Federal Credit U
 Conventional, HELOC 3
+4 HELOCs
 0.1% 60% $35,000
Jams-01 Inc dba Home Savings & Trust Mortgage
 Conventional, FHA 3 0.1% 100% $211,666
Loansteady LLC
 Conventional, VA 2 0.1% 100% $445,000
Congressional Federal Credit Union
A5.0 ★Texas Ratio: 8.63%
 Conventional 2 0.1% 100% $115,000 View
Ussfcu
 Conventional, HELOC 1
+1 HELOCs
 0% 50% $55,000
Tidewater Home Funding, LLC
 Conventional 1 0% 100% $345,000
City Lending Inc.
 FHA 1 0% 100% $285,000
Archer Mortgage LLC
 FHA 1 0% 100% $135,000
Strong Home Mortgage, LLC
 Conventional 1 0% 100% $535,000
Gray Fox Mortgage, LLC
 Conventional 1 0% 100% $185,000
Vellum Mortgage, Inc.
 Conventional 1 0% 100% $305,000
RW Towne, LLC
 Conventional 1 0% 100% $665,000
Rocket Mortgage
 Conventional, FHA, VA, Jumbo 262 8.5% 85.2% $280,916
United Wholesale Mortgage
 Conventional, FHA, VA, Jumbo, HELOC 174
+2 HELOCs
 5.6% 88.9% $374,425
Nfm, Inc
 Conventional, FHA, VA, Jumbo 64 2.1% 100% $387,656
Movement Mortgage, LLC
A+5.0 ★Texas Ratio: 0.40%
 Conventional, FHA, VA, HELOC 58
+4 HELOCs
 1.9% 90.5% $303,965 View
Pennymac Loan Services LLC
 Conventional, FHA, VA 54 1.8% 83.1% $337,222
CrossCountry Mortgage, LLC
 Conventional, FHA, VA, Jumbo 36 1.2% 94.7% $492,222
Nvr Mortgage Finance, Inc.
 Conventional, FHA, VA 33 1.1% 76.7% $261,363
Fairway Independent Mort Corp
 Conventional, FHA, VA, Jumbo 28 0.9% 96.6% $402,857
loanDepot.com LLC
 Conventional, FHA, VA, Jumbo, HELOC 27
+5 HELOCs
 0.9% 67.5% $295,370
Nationstar Mortgage
 Conventional, FHA, VA 27 0.9% 93.8% $143,518
Cmg Mortgage Inc
 Conventional, FHA, VA, USDA, Jumbo, HELOC 25
+1 HELOCs
 0.8% 100% $370,200
Newrez LLC
 Conventional, FHA, VA 25 0.8% 57.4% $330,600
Guild Mortgage Company
 Conventional, FHA, VA, Jumbo 24 0.8% 96.2% $392,500
Mortgage Research Center
 Conventional, FHA, VA 24 0.8% 63.2% $331,666
US Bank, N.A.
A+5.0 ★Texas Ratio: 2.85%
 Conventional, FHA, VA, Jumbo, HELOC 21
+2 HELOCs
 0.7% 78.6% $464,523 View
Freedom Mortgage Corporation
 Conventional, FHA, VA, Jumbo 21 0.7% 84.8% $367,857
American Financial Network, Inc.
 Conventional, FHA 21 0.7% 95.5% $255,952
PHH Mortgage Corporation
 Conventional, FHA, VA 19 0.6% 95% $380,263
First Home Mortgage
 Conventional, FHA, Jumbo 19 0.6% 100% $377,631
Amerisave Mortgage Company
 Conventional, FHA, VA 18 0.6% 36.7% $148,333
Provident Funding Associates
 Conventional 17 0.6% 100% $445,000
Primelending
 Conventional, FHA 16 0.5% 100% $289,375
Ameris Bank
★ 4 stars, 1 review
A+5.0 ★Texas Ratio: 1.82%
 Conventional, FHA, VA, Jumbo 16 0.5% 100% $436,875 View
The Loan Store, Inc
 Conventional, HELOC 14
+9 HELOCs
 0.5% 93.8% $320,714
Usaa Federal Savings Bank
B-3.5 ★Texas Ratio: 6.80%
 Conventional, VA 13 0.4% 76.5% $416,538 View
Nexbank
A-5.0 ★Texas Ratio: 14.93%
 Conventional, Jumbo 13 0.4% 86.7% $521,153 View
Sofi Bank, National Association
A+5.0 ★Texas Ratio: 0.51%
 Conventional, FHA 13 0.4% 87.5% $223,461 View
New American Funding, LLC.
 Conventional, FHA, HELOC 11
+2 HELOCs
 0.4% 78.6% $204,090
Guaranteed Rate, Inc.
 Conventional, FHA, VA, Jumbo, HELOC 11
+1 HELOCs
 0.4% 91.7% $473,181
SWBC Mortgage Corporation
 Conventional 11 0.4% 91.7% $266,818
Union Home Mortgage Corp.
 Conventional, VA 10 0.3% 90.9% $511,000
Zillow Home Loans, LLC
 Conventional, FHA 10 0.3% 100% $245,000
First Community Mortgage, Inc.
A+5.0 ★Texas Ratio: 3.36%
 Conventional, FHA 9 0.3% 100% $329,444 View
Sage Home Loans Corporation
 Conventional 9 0.3% 100% $418,333
American Neighborhood Mortgage Acceptance Company
 Conventional, FHA, VA 9 0.3% 81.8% $289,444
Calcon Mutual Mortgage LLC
 Conventional, FHA, VA 8 0.3% 100% $373,750
Mutual of Omaha Mortgage
 Conventional, FHA, VA 8 0.3% 64.3% $403,750
Morgan Stanley Private Bank NA
A4.8 ★Texas Ratio: 2.45%
 Conventional, Jumbo 8 0.3% 100% $1,192,500 View
Spring Eq, LLC
 Conventional, HELOC 7
+6 HELOCs
 0.2% 31% $139,285
Better Mortgage Corporation
 Conventional, FHA, Jumbo, HELOC 7
+1 HELOCs
 0.2% 77.8% $509,285
Charles Schwab Bank, Ssb
A+5.0 ★Texas Ratio: 0.14%
 Conventional, Jumbo 7 0.2% 100% $960,714 View
Reliance First Capital, LLC
 Conventional, FHA 7 0.2% 87.5% $165,000
Plains Commerce Bank
A5.0 ★Texas Ratio: 9.09%
 Conventional, FHA 7 0.2% 100% $427,857 View
Tomo Mortgage LLC
 Conventional 7 0.2% 100% $402,142
Goodleap, LLC
 Conventional, FHA, VA, HELOC 6
+1 HELOCs
 0.2% 66.7% $133,333
American Financial Resources LLC
 Conventional, FHA 6 0.2% 75% $340,000
Nbkc Bank
 Conventional 6 0.2% 85.7% $416,666
Kind Lending, LLC
 Conventional, VA, Jumbo 6 0.2% 100% $600,000
Home Mortgage Alliance Corp (Hmac)
 Conventional, FHA 6 0.2% 85.7% $243,333
First Federal Bank
A+5.0 ★Texas Ratio: 1.10%
 Conventional, FHA 6 0.2% 100% $370,000 View
AmeriHome Mortgage Company, LLC
 Conventional, FHA 5 0.2% 100% $359,000
Filo Mortgage, LLC
 Conventional, VA 5 0.2% 100% $415,000
Sun West Mortgage Company, Inc
 Conventional, FHA 5 0.2% 88.9% $367,000
New Day Financial, LLC.
 VA 5 0.2% 41.7% $323,000
Embrace Home Loans, Inc.
 Conventional, FHA 5 0.2% 100% $375,000
Milend, Inc
 Conventional, FHA 5 0.2% 83.3% $307,000
First National Bank of America
B-4.3 ★Texas Ratio: 23.12%
 Conventional 5 0.2% 100% $217,000 View
Carrington Mortgage Services LLC
 Conventional 5 0.2% 30% $227,000
Lakeview Loan Servicing, LLC
 Conventional, FHA, VA 4 0.1% 25% $285,000
All Credit Considered Mortgage, Inc.
 Conventional 4 0.1% 100% $215,000
Dart Bank
 Conventional, FHA 4 0.1% 100% $372,500
Loanunited.Com, LLC
 Conventional, FHA 4 0.1% 100% $455,000
Deephaven Mortgage LLC
 Conventional, Jumbo 4 0.1% 100% $467,500
Discover Bank
 Conventional 4 0.1% 15.4% $95,000
Bay Equity LLC
 Conventional 4 0.1% 100% $302,500
Churchill Mortgage Corporation
 Conventional 4 0.1% 100% $227,500
Sierra Pacific Mortgage Co. Inc
 Conventional 4 0.1% 100% $422,500
Angel Oak Mortgage Solutions LLC
 Conventional 4 0.1% 100% $490,000
A&D Mortgage LLC
A+5.0 ★Texas Ratio: 4.11%
 Conventional, Jumbo 3 0.1% 75% $838,333 View
Equity Resources Inc
 Conventional, FHA 3 0.1% 100% $241,666
Premia Mortgage, LLC
A5.0 ★Texas Ratio: 13.21%
 Conventional 3 0.1% 100% $445,000 View
Bny Mellon, N.A.
A+5.0 ★Texas Ratio: 0.37%
 Conventional, Jumbo 3 0.1% 100% $985,000 View
Affordable Mortgage Advisors
 Conventional 3 0.1% 100% $495,000
Equity Prime Mortgage LLC
 FHA 3 0.1% 60% $158,333
ClearPath Lending
 VA 3 0.1% 100% $355,000
Barrington Bank & Trust Company, N.A.
A+5.0 ★Texas Ratio: 2.20%
 Conventional, VA 3 0.1% 100% $285,000 View
Mason-McDuffie Mortgage Corporation
 Conventional 3 0.1% 75% $271,666
Village Capital & Investment
 VA 3 0.1% 66.7% $288,333
Pentagon Federal Credit Union
 Conventional, VA, HELOC 2
+9 HELOCs
 0.1% 50% $305,000
Third Federal Savings and Loan
A+5.0 ★Texas Ratio: 2.32%
 Conventional, HELOC 2
+9 HELOCs
 0.1% 100% $60,000 View
Alliant Credit Union
 Conventional, HELOC 2
+3 HELOCs
 0.1% 100% $395,000
Truliant Federal Credit Union
 Conventional, HELOC 2
+2 HELOCs
 0.1% 75% $200,000
EMM Loans LLC
 FHA 2 0.1% 100% $305,000
Panorama Mortgage Group, LLC
 Conventional, FHA 2 0.1% 100% $260,000
Cornerstone First Mortgage, LLC
 Conventional, VA 2 0.1% 100% $245,000
Guaranteed Rate Affinity, LLC
 Conventional, Jumbo 2 0.1% 100% $905,000
Flagstar Bank NA
D3.3 ★Texas Ratio: 35.11%
 Conventional, VA 2 0.1% 100% $455,000 View
Regions Bank
A+5.0 ★Texas Ratio: 4.37%
 Conventional 2 0.1% 66.7% $480,000 View
Resicentral LLC
 Conventional 2 0.1% 100% $210,000
Homestead Funding Corp.
 Conventional 2 0.1% 100% $500,000
Renasant Bank
A+5.0 ★Texas Ratio: 4.72%
 Conventional 2 0.1% 100% $775,000 View
Nation One Mortgage Corporatio
 FHA 2 0.1% 100% $200,000
Click n' Close, Inc.
 Conventional 2 0.1% 100% $215,000
Network Capital Funding Corporation
 Conventional, FHA 2 0.1% 66.7% $270,000
Encompass Lending Group, L.P.
 Conventional, FHA 2 0.1% 100% $320,000
Nations Lending Corporation
 FHA 2 0.1% 40% $190,000
T2 Financial LLC
 Conventional 2 0.1% 100% $290,000
Waterstone Mortgage Corporation
 Conventional, FHA 2 0.1% 100% $420,000
Stifel Bank & Trust
A-4.8 ★Texas Ratio: 12.33%
 Conventional 2 0.1% 66.7% $530,000 View
Andrews Federal Credit Union
 Conventional 2 0.1% 100% $250,000
Towne Mortgage Company
 Conventional 2 0.1% 66.7% $400,000
Raymond James Bank
A+5.0 ★Texas Ratio: 3.19%
 Conventional 2 0.1% 100% $410,000 View
Nations Direct Mortgage, LLC
 Conventional, VA 2 0.1% 100% $315,000
Lower, LLC
 Conventional 2 0.1% 40% $585,000
Ubs Bank USA
★ 5 stars, 1 review
A+5.0 ★Texas Ratio: 1.21%
 Conventional, Jumbo 2 0.1% 100% $660,000 View
The Federal Savings Bank
B+4.8 ★Texas Ratio: 16.98%
 FHA, VA 2 0.1% 50% $300,000 View
Vanderbilt Mortgage and Finance, Inc
 Conventional, VA 2 0.1% 18.2% $335,000
University Federal Credit Union
A+5.0 ★Texas Ratio: 3.82%
 Conventional 2 0.1% 100% $405,000 View
Plaza Home Mortgage, Inc
 Conventional, FHA 2 0.1% 22.2% $265,000
Champions Funding, LLC
 Conventional 2 0.1% 100% $315,000
HomeBridge Financial Services, Inc
 VA, HELOC 1
+11 HELOCs
 0% 100% $195,000
State Employees Credit Union of MD
 Conventional, HELOC 1
+1 HELOCs
 0% 100% $395,000
Valon Mortgage
 Conventional, HELOC 1
+1 HELOCs
 0% 100% $255,000
Interlinc Mortgage Services, LLC
 Conventional 1 0% 100% $235,000
State Employees' Credit Union
 Conventional 1 0% 100% $375,000
Arc Home LLC
 Conventional 1 0% 100% $525,000
Genisys Credit Union
 Conventional 1 0% 100% $545,000
Members 1St FCU
 FHA 1 0% 100% $535,000
Verus
 Conventional 1 0% 100% $85,000
American Portfolio Mortgage Corporation
 Conventional 1 0% 100% $475,000
American Mortgage Bank
A+5.0 ★Texas Ratio: 4.14%
 Conventional 1 0% 100% $225,000 View
First Western Trust Bank
A+5.0 ★Texas Ratio: 5.16%
 Conventional, Jumbo 1 0% 100% $1,345,000 View
Liberty Federal Credit Union
 Conventional 1 0% 50% $205,000
Goldman Sachs Bank USA
A+5.0 ★Texas Ratio: 4.32%
 Conventional 1 0% 100% $755,000 View
Old National Bank
A+5.0 ★Texas Ratio: 4.98%
 VA 1 0% 100% $425,000 View
Residential Wholesale Mortgage
 FHA 1 0% 100% $205,000
Royal United Mortgage LLC
 Conventional 1 0% 50% $115,000
Huntington National Bank
A+5.0 ★Texas Ratio: 3.66%
 Conventional 1 0% 100% $805,000 View
Primary Residential Mortgage, INC.
 Conventional 1 0% 100% $285,000
Educational Systems FCU
 Conventional 1 0% 100% $415,000
Gold Star Mortgage Financial Group, Corporation
 Conventional 1 0% 100% $415,000
Envoy Mortgage, Ltd
 Conventional 1 0% 100% $225,000
Watermark Capital, Inc.
 Conventional 1 0% 50% $335,000
AAA Capital Investment, Inc
 Conventional 1 0% 100% $325,000
Acrisure Mortgage, LLC
 Conventional 1 0% 100% $435,000
Norwich Commercial Group Inc
 Conventional 1 0% 100% $415,000
TruHome Solutions, LLC
 FHA 1 0% 100% $125,000
Advancial Federal Credit Union
 Conventional 1 0% 100% $685,000
Princeton Mortgage Corporation
 Conventional 1 0% 100% $275,000
Reliant Home Funding, Inc
 Conventional 1 0% 100% $695,000
Bridgeway Lending Partners, LLC
 Conventional 1 0% 100% $165,000
Data Mortgage, Inc
 FHA 1 0% 100% $255,000
Acre Mortgage & Financial, Inc.
 Conventional 1 0% 100% $205,000
AmWest Funding Corp
 Conventional 1 0% 100% $115,000
Plus Relocation Mortgage, LLC
 Conventional 1 0% 100% $505,000
Ocmbc, Inc.
A+5.0 ★Texas Ratio: 5.05%
 Conventional 1 0% 33.3% $275,000 View
City 1st Mortgage Services, LC
 Conventional 1 0% 100% $545,000
Oceanside Mortgage Company
 FHA 1 0% 100% $285,000
East Coast Capital Corp.
 Conventional 1 0% 100% $65,000
Citizens Equity First Credit U
 Conventional 1 0% 100% $255,000
Linkbank
 Conventional 1 0% 100% $155,000
Kwik Mortgage Corporation
 Conventional 1 0% 100% $205,000
Legend Lending Corporation
 FHA 1 0% 100% $555,000
First Colony Mortgage Corporat
 Conventional 1 0% 100% $195,000
Eastman Credit Union
A+5.0 ★Texas Ratio: 1.56%
 Conventional 1 0% 100% $65,000
Service Federal Credit Union
 Conventional, Jumbo 1 0% 100% $1,155,000
Coastal Federal Credit Union
B4.5 ★Texas Ratio: 20.96%
 Conventional 1 0% 100% $395,000 View
Cardinal Financial Company, Li
 Conventional 1 0% 100% $75,000
Stg Mortgage Inc
 Conventional 1 0% 100% $395,000
Industrial Bank
C+4.2 ★Texas Ratio: 24.57%
 Conventional 1 0% 100% $395,000 View
Peoples Mortgage Company
 Conventional 1 0% 33.3% $225,000
Planet Home Lending, LLC
 FHA 1 0% 66.7% $165,000
Lendsure Mortgage Corp.
 Conventional 1 0% 100% $235,000
FineMark National Bank & Trust
 Conventional 1 0% 100% $415,000
Aberdeen Proving Ground FCU
 Conventional 1 0% 100% $45,000
New Story Lending LLC
 Conventional 1 0% 100% $285,000
Baxter Credit Union
A5.0 ★Texas Ratio: 6.31%
 Conventional 1 0% 100% $335,000
Nasa Federal Credit Union
 Conventional 1 0% 100% $75,000
Saygo Home Loans, LLC
 FHA 1 0% 100% $495,000
Bay Capital Mortgage Corporation
 Conventional 1 0% 100% $345,000
Wings Financial Credit Union
 Conventional 1 0% 100% $235,000
Pike Creek Mortgage Services, Inc.
 Conventional 1 0% 100% $805,000
Latino Community Credit Union
 Conventional 1 0% 100% $125,000
RoundPoint Mortgage Servicing LLC
 FHA 1 0% 100% $395,000
Nationwide Mortgage Bankers, Inc.
 Conventional 1 0% 100% $385,000
BMO Harris Bank NA
A+5.0 ★Texas Ratio: 3.54%
 Conventional 1 0% 100% $455,000 View
Ixonia Bank
A+5.0 ★Texas Ratio: 2.14%
 Conventional 1 0% 100% $225,000 View
Mld Mortgage, Inc.Dba the Money Store
 Conventional 1 0% 100% $395,000
United Nations Federal CU
 Conventional 1 0% 100% $605,000
Paramount Residential Mortgage
 Conventional 1 0% 100% $705,000
The Mortgage Link, Inc.
 Conventional 1 0% 100% $185,000
Figure Lending LLC
 HELOC 0
+18 HELOCs
 0% n/a
Tower Federal Credit Union
 HELOC 0
+16 HELOCs
 0% 0%
Coastal Community Bank
B4.5 ★Texas Ratio: 20.96%
 HELOC 0
+13 HELOCs
 0% n/a View
Georgia'S Own Credit Union
 HELOC 0
+2 HELOCs
 0% n/a
Fourleaf Federal Credit Union
 HELOC 0
+2 HELOCs
 0% n/a
Quorum Federal Credit Union
 HELOC 0
+2 HELOCs
 0% n/a
Bank Fund Staff Federal Credit
 HELOC 0
+2 HELOCs
 0% n/a
Usalliance Federal Credit Union
 HELOC 0
+1 HELOCs
 0% n/a
Oaktree Funding Corp
 HELOC 0
+1 HELOCs
 0% 0%
Geneva Financial LLC
 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.

Mortgage Lenders and Mortgage Brokers Near Me in Richmond, Virginia

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

Types of Mortgage Lenders in Richmond, VA

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

Mortgage companies and brokers 145 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 75 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 48 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 90 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 54 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 51 lenders. Loans above the conforming limit for higher priced homes Local lenders based in VA 57 lenders headquartered in Virginia, the closest thing to a mortgage lender near you

Who Lends in Richmond, VA

Independent mortgage companies closed 59.6 percent of home loans in Richmond, Virginia in 2025, banks 30.2 percent and credit unions 10.2 percent. Capital Center LLC was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Virginia Federal Credit Union the largest credit union. Among lenders headquartered in Virginia, Virginia Federal Credit Union led with 155 loans.

59.6%
Mortgage companies
30.2%
Banks
10.2%
Credit unions
11%
FHA loans
6%
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 lendersChesapeake 236 lendersNorfolk 216 lendersNewport News 193 lendersHampton 185 lendersSuffolk 178 lendersArlington 238 lendersPortsmouth 176 lendersAlexandria 227 lendersRoanoke 164 lendersLynchburg 161 lendersReston 176 lenders

Frequently Asked Questions About Mortgage Lenders in Richmond, VA

Who is the largest mortgage lender in Richmond, VA?

By home loans closed in 2025, Virginia Federal Credit Union was the largest mortgage lender in Richmond, Virginia with 155 loans, about 5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Richmond, Virginia, Atlantic Bay Mortgage Group approved the highest share of completed applications in 2025 at 100 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.

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

90 lenders closed FHA loans in Richmond, Virginia in 2025, led by United Wholesale Mortgage with 35. 54 lenders closed VA loans, led by United Wholesale Mortgage, and 1 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 Richmond, VA lender list?

Yes. 75 banks and 48 credit unions closed home loans in Richmond, Virginia in 2025, alongside 145 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 Richmond, VA ranked on this page?

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