Mortgage Lenders and Brokers in Spotsylvania Courthouse, 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
Spotsylvania Courthouse, Virginia mortgage lenders include Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA 22306A5.0 ★Texas Ratio: 8.14%, Virginia Federal Credit UnionVirginia Federal Credit Union120 Seminole Ct, Charlottesville, VA 22901A5.0 ★Texas Ratio: 6.40%, Fulton Bank, National AssociationFulton Bank, National Association95 Community St, Charlottesville, VA 22911A+5.0 ★Texas Ratio: 4.85%, Atlantic Union BankAtlantic Union Bank115 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 2.51%, Bank of America NABank of America NA42030 Village Center Plz, Aldie, VA 20105A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA106 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 3.68%, The Freedom Bank of VirginiaThe Freedom Bank of Virginia4090 Lafayette Center Dr, Chantilly, VA 20151C+4.2 ★Texas Ratio: 24.99%, Truist BankTruist Bank233 Wyndale Road, Abingdon, VA 24210A+5.0 ★Texas Ratio: 2.87%, Apple Federal Credit UnionApple Federal Credit Union7696F Richmond Hwy, Alexandria, VA 22306, and Topside Federal Credit UnionTopside Federal Credit Union17442 Dahlgren Rd, Dahlgren, VA 22448A5.0 ★Texas Ratio: 6.63%. 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 Spotsylvania Courthouse, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Spotsylvania Courthouse 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 Spotsylvania Courthouse, Virginia
Market share is the lender's share of all home loans closed in Spotsylvania Courthouse, 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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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 20 +20 HELOCs |
5.4% | 74.1% | $212,000 | |
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120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional, HELOC | 7 +2 HELOCs |
1.9% | 77.8% | $159,285 | View |
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95 Community St, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 4.85% |
Conventional | 3 | 0.8% | 100% | $365,000 | View |
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115 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 2.51% |
Conventional, FHA, HELOC | 2 +12 HELOCs |
0.5% | 100% | $410,000 | View |
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42030 Village Center Plz, Aldie, VA 20105 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +1 HELOCs |
0.5% | 100% | $405,000 | View |
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106 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.5% | 100% | $220,000 | View |
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4090 Lafayette Center Dr, Chantilly, VA 20151 C+4.2 ★Texas Ratio: 24.99% |
Conventional | 2 | 0.5% | 100% | $685,000 | View |
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★ 1 stars, 1 review 233 Wyndale Road, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +6 HELOCs |
0.3% | 50% | $565,000 | View |
Apple Federal Credit Union
7696F Richmond Hwy, Alexandria, VA 22306 |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $395,000 | |
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17442 Dahlgren Rd, Dahlgren, VA 22448 A5.0 ★Texas Ratio: 6.63% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 33.3% | $65,000 | View |
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7901 Richmond Hwy, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.3% | 100% | $485,000 | View |
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5000 Dominion Blvd, Glen Allen, VA 23060 3308 A+5.0 ★Texas Ratio: 1.46% |
Conventional | 1 | 0.3% | 100% | $115,000 | View |
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2288 Cartersville Rd, Cartersville, VA 23027 A+5.0 ★Texas Ratio: 0.62% |
Conventional | 1 | 0.3% | 100% | $55,000 | View |
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7485 Richmond Highway, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.3% | 50% | $175,000 | View |
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750 Volvo Pkwy, Chesapeake, VA 23320 A+5.0 ★Texas Ratio: 5.29% |
Conventional | 1 | 0.3% | 100% | $305,000 | View |
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201 N Washington Hwy, Ashland, VA 23005 A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.3% | 100% | $425,000 | View |
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★ 1.7 stars, 3 reviews 3131 Duke St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +8 HELOCs |
0% | 0% | View | |
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13478 Carrollton Blvd Ste A, Carrollton, VA 23314 A5.0 ★Texas Ratio: 10.20% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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1700 Diagonal Rd, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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950 N Glebe Rd, Arlington, VA 22203 A5.0 ★Texas Ratio: 7.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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704 King Street, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 1.62% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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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 | 10 | 2.7% | 100% | $457,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA, VA | 6 | 1.6% | 100% | $366,666 | |
First Heritage Mortgage, LLC
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Conventional, FHA | 5 | 1.4% | 100% | $271,000 | |
Integrity Home Mortgage Corporation
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Conventional, FHA, VA | 3 | 0.8% | 100% | $335,000 | |
Tidewater Mortgage Services, Inc
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Conventional, FHA | 2 | 0.5% | 100% | $335,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
VA | 1 | 0.3% | 100% | $415,000 | View |
First Savings Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $505,000 | |
M2B Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $365,000 | |
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A4.7 ★Texas Ratio: 0.83% |
Conventional | 1 | 0.3% | 100% | $415,000 | View |
Vellum Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $265,000 | |
Nvr Mortgage Finance, Inc.
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Conventional, FHA, VA | 46 | 12.5% | 73% | $366,304 | |
Rocket Mortgage
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Conventional, FHA, VA | 37 | 10.1% | 86.4% | $251,486 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 25 | 6.8% | 86.2% | $482,600 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, FHA, VA, HELOC | 18 +2 HELOCs |
4.9% | 100% | $482,222 | View |
Mortgage Research Center
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VA | 12 | 3.3% | 75% | $465,833 | |
Pennymac Loan Services LLC
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Conventional, VA | 11 | 3% | 91.7% | $192,272 | |
Freedom Mortgage Corporation
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FHA, VA | 10 | 2.7% | 100% | $435,000 | |
Calcon Mutual Mortgage LLC
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Conventional, FHA, VA | 10 | 2.7% | 83.3% | $439,000 | |
Homeamerican Mortgage Corporation
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Conventional, FHA, VA | 10 | 2.7% | 83.3% | $615,000 | |
Newrez LLC
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Conventional, VA | 8 | 2.2% | 88.9% | $392,500 | |
Fairway Independent Mort Corp
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Conventional, VA | 7 | 1.9% | 100% | $609,285 | |
Cmg Mortgage Inc
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Conventional, VA | 6 | 1.6% | 88.9% | $503,333 | |
loanDepot.com LLC
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Conventional, VA | 5 | 1.4% | 100% | $155,000 | |
Summit Funding.Inc
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Conventional, FHA | 5 | 1.4% | 100% | $253,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 4 | 1.1% | 57.1% | $110,000 | |
Nationstar Mortgage
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Conventional, FHA | 4 | 1.1% | 80% | $330,000 | |
Guaranteed Rate, Inc.
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VA, HELOC | 3 +1 HELOCs |
0.8% | 100% | $821,666 | |
CrossCountry Mortgage, LLC
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Conventional | 3 | 0.8% | 100% | $538,333 | |
Kind Lending, LLC
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VA, USDA | 3 | 0.8% | 75% | $391,666 | |
Linkbank
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Conventional | 3 | 0.8% | 100% | $198,333 | |
Nfm, Inc
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Conventional, FHA, VA | 3 | 0.8% | 100% | $461,666 | |
Planet Home Lending, LLC
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Conventional, FHA, VA | 3 | 0.8% | 75% | $531,666 | |
American Financial Resources LLC
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Conventional, VA | 2 | 0.5% | 100% | $375,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 2 | 0.5% | 100% | $290,000 | |
Equity Prime Mortgage LLC
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VA | 2 | 0.5% | 100% | $665,000 | |
Discover Bank
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Conventional | 2 | 0.5% | 28.6% | $180,000 | |
Union Home Mortgage Corp.
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Conventional, VA | 2 | 0.5% | 100% | $655,000 | |
Embrace Home Loans, Inc.
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Conventional, VA | 2 | 0.5% | 100% | $615,000 | |
Zillow Home Loans, LLC
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Conventional, FHA | 2 | 0.5% | 100% | $465,000 | |
Lower, LLC
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Conventional, FHA | 2 | 0.5% | 100% | $375,000 | |
Carrington Mortgage Services LLC
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VA | 2 | 0.5% | 37.5% | $490,000 | |
Pentagon Federal Credit Union
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VA, HELOC | 1 +3 HELOCs |
0.3% | 50% | $635,000 | |
Tower Federal Credit Union
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Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $205,000 | |
New American Funding, LLC.
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Conventional, HELOC | 1 +2 HELOCs |
0.3% | 33.3% | $255,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 20% | $115,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.3% | 50% | $415,000 | View |
SWBC Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $415,000 | |
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A+5.0 ★Texas Ratio: 4.31% |
VA | 1 | 0.3% | 100% | $385,000 | View |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.3% | 100% | $395,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.3% | 100% | $705,000 | |
United Trust Bank
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VA | 1 | 0.3% | 100% | $475,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $525,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.3% | 100% | $315,000 | |
Fidelity Direct Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $565,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
VA | 1 | 0.3% | 100% | $625,000 | View |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.3% | 100% | $375,000 | View |
Network Capital Funding Corporation
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FHA | 1 | 0.3% | 100% | $475,000 | |
Mid-Continent Funding, Inc.
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VA | 1 | 0.3% | 100% | $415,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.3% | 100% | $405,000 | |
New Day Financial, LLC.
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VA | 1 | 0.3% | 25% | $285,000 | |
First Option Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $305,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $465,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.3% | 100% | $155,000 | View |
T2 Financial LLC
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Conventional | 1 | 0.3% | 100% | $395,000 | |
BoxCar Mortgage, LLC
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VA | 1 | 0.3% | 100% | $485,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.3% | 100% | $425,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $465,000 | |
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A5.0 ★Texas Ratio: 7.48% |
Conventional | 1 | 0.3% | 100% | $135,000 | View |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.3% | 100% | $505,000 | View |
The Loan Store, Inc
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FHA | 1 | 0.3% | 50% | $435,000 | |
Nationwide Mortgage Bankers, Inc.
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Conventional | 1 | 0.3% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
VA | 1 | 0.3% | 100% | $185,000 | View |
Goprime Mortgage, Inc.
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FHA | 1 | 0.3% | 100% | $515,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.3% | 100% | $485,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
USDA | 1 | 0.3% | 100% | $385,000 | View |
Village Capital & Investment
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VA | 1 | 0.3% | 80% | $405,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Bank Fund Staff Federal Credit
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lafayette Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Spotsylvania Courthouse 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 Spotsylvania Courthouse, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Spotsylvania Courthouse? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Spotsylvania Courthouse in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Spotsylvania Courthouse, VA
Use these to narrow the list above. Each category shows how many Spotsylvania Courthouse, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Spotsylvania Courthouse, VA
Independent mortgage companies closed 82.3 percent of home loans in Spotsylvania Courthouse, Virginia in 2025, banks 9 percent and credit unions 8.7 percent. Atlantic Coast Mortgage, LLC was the largest mortgage company, Fulton Bank, National Association the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in Virginia, Navy Federal Credit Union led with 20 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 Spotsylvania Courthouse, VA
By home loans closed in 2025, Navy Federal Credit Union was the largest mortgage lender in Spotsylvania Courthouse, Virginia with 20 loans, about 5.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
29 lenders closed FHA loans in Spotsylvania Courthouse, Virginia in 2025, led by Nvr Mortgage Finance, Inc. with 26. 37 lenders closed VA loans, led by United Wholesale Mortgage, and 2 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. 30 banks and 10 credit unions closed home loans in Spotsylvania Courthouse, Virginia in 2025, alongside 63 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 Spotsylvania Courthouse, 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 Spotsylvania Courthouse, 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 Spotsylvania Courthouse. 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.
