Mortgage Lenders and Brokers in Stephens City, 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
Stephens City, Virginia mortgage lenders include Bank of ClarkeBank of Clarke382 Fairfax Pike, Stephens City, VA 22655A5.0 ★Texas Ratio: 7.27%, Truist BankTruist Bank330 Fairfax Pike, Stephens City, VA 22655A+5.0 ★Texas Ratio: 2.87%, Capon Valley BankCapon Valley Bank5511 Main St, Stephens City, VA 22655A5.0 ★Texas Ratio: 11.21%, First BankFirst Bank695 Fairfax Pike, Stephens City, VA 22655A+5.0 ★Texas Ratio: 2.42%, City National Bank of WVCity National Bank of WV100 Elizabeth Dr, Stephens City, VA 22655A+5.0 ★Texas Ratio: 1.47%, 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, Farmers & Merchants BankFarmers & Merchants Bank100 Plaza Dr, Bridgewater, VA 22812A+5.0 ★Texas Ratio: 3.40%, M&T BankM&T Bank7485 Richmond Highway, Alexandria, VA 22306A+5.0 ★Texas Ratio: 4.11%, and Northwest Federal Credit UnionNorthwest Federal Credit Union1008 N Glebe Rd, Arlington, VA 22201 4799A+5.0 ★Texas Ratio: 2.12%. 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 Stephens City, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Stephens City 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 Stephens City, Virginia
Market share is the lender's share of all home loans closed in Stephens City, 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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1 office in Stephens City 382 Fairfax Pike, Stephens City, VA 22655 A5.0 ★Texas Ratio: 7.27% |
Conventional, Jumbo | 3 | 1.9% | 75% | $485,000 | View |
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★ 1 stars, 1 review 1 office in Stephens City 330 Fairfax Pike, Stephens City, VA 22655 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 2 +4 HELOCs |
1.2% | 66.7% | $115,000 | View |
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1 office in Stephens City 5511 Main St, Stephens City, VA 22655 A5.0 ★Texas Ratio: 11.21% |
Conventional | 2 | 1.2% | 100% | $475,000 | View |
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1 office in Stephens City 695 Fairfax Pike, Stephens City, VA 22655 A+5.0 ★Texas Ratio: 2.42% |
Conventional, Jumbo | 2 | 1.2% | 66.7% | $710,000 | View |
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1 office in Stephens City 100 Elizabeth Dr, Stephens City, VA 22655 A+5.0 ★Texas Ratio: 1.47% |
Conventional | 1 | 0.6% | 100% | $525,000 | View |
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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 9 +4 HELOCs |
5.6% | 81.8% | $402,777 | |
Apple Federal Credit Union
7696F Richmond Hwy, Alexandria, VA 22306 |
Conventional, HELOC | 2 +2 HELOCs |
1.2% | 66.7% | $210,000 | |
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100 Plaza Dr, Bridgewater, VA 22812 A+5.0 ★Texas Ratio: 3.40% |
FHA | 1 | 0.6% | 100% | $175,000 | View |
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7485 Richmond Highway, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.6% | 100% | $385,000 | View |
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1008 N Glebe Rd, Arlington, VA 22201 4799 A+5.0 ★Texas Ratio: 2.12% |
Conventional | 1 | 0.6% | 100% | $135,000 | View |
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115 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 2.51% |
HELOC | 0 +1 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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★ 1.7 stars, 3 reviews 3131 Duke St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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933 E Main St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 3.79% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Integrity Home Mortgage Corporation
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Conventional, FHA | 9 | 5.6% | 90% | $347,222 | |
Atlantic Coast Mortgage, LLC
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Conventional, FHA | 4 | 2.5% | 100% | $427,500 | |
Credit Union Mortgage Associat
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Conventional | 1 | 0.6% | 100% | $255,000 | |
Intercoastal Mortgage, LLC
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VA | 1 | 0.6% | 100% | $625,000 | |
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A5.0 ★Texas Ratio: 8.63% |
Conventional | 1 | 0.6% | 100% | $65,000 | View |
Vellum Mortgage, Inc.
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FHA | 1 | 0.6% | 100% | $345,000 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA | 45 | 27.8% | 93.8% | $413,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 9 +1 HELOCs |
5.6% | 100% | $492,777 | |
Rocket Mortgage
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Conventional, Jumbo | 8 | 4.9% | 69.2% | $287,500 | |
Freedom Mortgage Corporation
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FHA, VA | 7 | 4.3% | 100% | $329,285 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 7 | 4.3% | 100% | $419,285 | |
Mortgage Research Center
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VA | 4 | 2.5% | 100% | $517,500 | |
Nationstar Mortgage
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Conventional | 3 | 1.9% | 100% | $218,333 | |
SWBC Mortgage Corporation
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Conventional | 2 | 1.2% | 100% | $450,000 | |
Amerisave Mortgage Company
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Conventional, VA | 2 | 1.2% | 75% | $415,000 | |
AmWest Funding Corp
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Conventional | 2 | 1.2% | 100% | $500,000 | |
Bank Fund Staff Federal Credit
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Conventional | 2 | 1.2% | 100% | $405,000 | |
Nextmortgage, LLC
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Conventional, FHA | 2 | 1.2% | 100% | $325,000 | |
Click n' Close, Inc.
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Conventional, FHA | 2 | 1.2% | 100% | $175,000 | |
Nfm, Inc
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Conventional | 2 | 1.2% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.6% | 100% | $305,000 | View |
American Portfolio Mortgage Corporation
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FHA | 1 | 0.6% | 100% | $495,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.6% | 50% | $165,000 | |
Canopy Mortgage, LLC
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FHA | 1 | 0.6% | 100% | $455,000 | |
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A+5.0 ★Texas Ratio: 0.40% |
FHA | 1 | 0.6% | 100% | $235,000 | View |
PHH Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $435,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.6% | 100% | $235,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.6% | 66.7% | $145,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.6% | 100% | $75,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.6% | 100% | $305,000 | View |
Cmg Mortgage Inc
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Conventional | 1 | 0.6% | 100% | $625,000 | |
Discover Bank
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Conventional | 1 | 0.6% | 100% | $55,000 | |
Flat Branch Mortgage, Inc.
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Conventional | 1 | 0.6% | 100% | $415,000 | |
Federated Mortgage Corp
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Conventional | 1 | 0.6% | 100% | $335,000 | |
Bay Equity LLC
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Conventional | 1 | 0.6% | 100% | $285,000 | |
Fairwinds Credit Union
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Conventional | 1 | 0.6% | 100% | $445,000 | |
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A+5.0 ★Texas Ratio: 5.26% |
Conventional | 1 | 0.6% | 100% | $615,000 | View |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.6% | 100% | $555,000 | View |
Bay Capital Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $495,000 | |
Horizon Farm Credit, ACA
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Conventional | 1 | 0.6% | 100% | $395,000 | |
Lower, LLC
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Conventional | 1 | 0.6% | 100% | $205,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.6% | 100% | $275,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.6% | 100% | $615,000 | View |
Cake Mortgage Corp.
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Conventional | 1 | 0.6% | 100% | $555,000 | |
Pentagon Federal Credit Union
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HELOC | 0 +3 HELOCs |
0% | 0% | ||
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A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Stephens City 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 Stephens City, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Stephens City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Stephens City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Stephens City, VA
Use these to narrow the list above. Each category shows how many Stephens City, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Stephens City, VA
Independent mortgage companies closed 79 percent of home loans in Stephens City, Virginia in 2025, banks 10.5 percent and credit unions 10.5 percent. Integrity Home Mortgage Corporation was the largest mortgage company, Bank of Clarke the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in Virginia, Bank of Clarke led with 3 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 Stephens City, VA
By home loans closed in 2025, Bank of Clarke was the largest mortgage lender in Stephens City, Virginia with 3 loans, about 1.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
15 lenders closed FHA loans in Stephens City, Virginia in 2025, led by DHI Mortgage Company, LTD. with 22. 8 lenders closed VA loans, led by DHI Mortgage Company, LTD.. 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. 18 banks and 9 credit unions closed home loans in Stephens City, Virginia in 2025, alongside 35 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 Stephens City, 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 Stephens City, 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 Stephens City. 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.
