Mortgage Lenders and Brokers in Sterling, 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
Sterling, Virginia mortgage lenders include Truist BankTruist Bank46340 Potomac Run Plz, Sterling, VA 20164A+5.0 ★Texas Ratio: 2.87%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA46910 Community Plz, Sterling, VA 20164A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA20890 Davenport Dr, Sterling, VA 20165A+5.0 ★Texas Ratio: 4.14%, PNC Bank N.A.PNC Bank N.A.22045 Dulles Retail Plz, Sterling, VA 20166A+5.0 ★Texas Ratio: 4.24%, M&T BankM&T Bank21099 Dulles Town Cir, Sterling, VA 20166A+5.0 ★Texas Ratio: 4.11%, United Bank VaUnited Bank Va23510 Overland Dr, Sterling, VA 20166A+5.0 ★Texas Ratio: 2.15%, Wells Fargo Bank NAWells Fargo Bank NA21361 Epicerie Plz, Sterling, VA 20164A+5.0 ★Texas Ratio: 5.36%, Navy Federal Credit UnionNavy Federal Credit Union46300 Potomac Run Plz, Sterling, VA 20164A5.0 ★Texas Ratio: 8.14%, The Freedom Bank of VirginiaThe Freedom Bank of Virginia4090 Lafayette Center Dr, Chantilly, VA 20151C+4.2 ★Texas Ratio: 24.99%, and Apple Federal Credit UnionApple Federal Credit Union21361 Gentry Dr, Sterling, VA 20166. 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 Sterling, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sterling 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 Sterling, Virginia
Market share is the lender's share of all home loans closed in Sterling, 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 stars, 1 review 2 offices in Sterling 46340 Potomac Run Plz, Sterling, VA 20164 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 10 +14 HELOCs |
2.3% | 90.9% | $424,000 | View |
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2 offices in Sterling 46910 Community Plz, Sterling, VA 20164 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 5 | 1.1% | 83.3% | $465,000 | View |
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1 office in Sterling 20890 Davenport Dr, Sterling, VA 20165 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 4 +7 HELOCs |
0.9% | 100% | $485,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Sterling 22045 Dulles Retail Plz, Sterling, VA 20166 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 2 +14 HELOCs |
0.5% | 100% | $550,000 | View |
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1 office in Sterling 21099 Dulles Town Cir, Sterling, VA 20166 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 2 +9 HELOCs |
0.5% | 100% | $380,000 | View |
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2 offices in Sterling 23510 Overland Dr, Sterling, VA 20166 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 2 | 0.5% | 100% | $325,000 | View |
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3 offices in Sterling 21361 Epicerie Plz, Sterling, VA 20164 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.5% | 50% | $255,000 | View |
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46300 Potomac Run Plz, Sterling, VA 20164 A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 20 +10 HELOCs |
4.6% | 76.9% | $316,000 | |
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4090 Lafayette Center Dr, Chantilly, VA 20151 C+4.2 ★Texas Ratio: 24.99% |
Conventional, FHA | 4 | 0.9% | 100% | $460,000 | View |
Apple Federal Credit Union
21361 Gentry Dr, Sterling, VA 20166 |
Conventional, HELOC | 2 +7 HELOCs |
0.5% | 50% | $415,000 | |
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1008 N Glebe Rd, Arlington, VA 22201 4799 A+5.0 ★Texas Ratio: 2.12% |
Conventional, HELOC | 2 +5 HELOCs |
0.5% | 50% | $180,000 | View |
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1515 Wilson Blvd, Arlington, VA 22209 A-4.9 ★Texas Ratio: 16.48% |
FHA, VA | 2 | 0.5% | 100% | $515,000 | View |
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446 Madison Trade Plz Se, Leesburg, VA 20175 A+5.0 ★Texas Ratio: 0.66% |
Conventional | 2 | 0.5% | 100% | $335,000 | View |
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120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $35,000 | View |
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1630 King St, Alexandria, VA 22314 2763 A+5.0 ★Texas Ratio: 4.05% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $625,000 | View |
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704 King Street, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $65,000 | View |
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44810 Saranac St, Ashburn, VA 20147 A5.0 ★Texas Ratio: 7.27% |
Conventional | 1 | 0.2% | 100% | $515,000 | View |
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10035 Sliding Hill Rd, Ashland, VA 23005 A+5.0 ★Texas Ratio: 1.60% |
FHA | 1 | 0.2% | 100% | $555,000 | View |
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2879 Clarendon Boulevard, Arlington, VA 22201 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.2% | 100% | $555,000 | View |
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115 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 2.51% |
HELOC | 0 +2 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 +2 HELOCs |
0% | n/a | View | |
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1700 Diagonal Rd, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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12 HERBERT ST, Alexandria, VA 22305 A5.0 ★Texas Ratio: 10.99% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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4075wilson Boulevard, Arlington, VA 22203 A+5.0 ★Texas Ratio: 3.04% |
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 | |
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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 | 18 | 4.1% | 100% | $437,777 | |
Intercoastal Mortgage, LLC
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Conventional, FHA | 8 | 1.8% | 100% | $475,000 | |
Jams-01 Inc dba Home Savings & Trust Mortgage
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Conventional | 8 | 1.8% | 100% | $488,750 | |
City Lending Inc.
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Conventional, FHA | 6 | 1.4% | 100% | $516,666 | |
First Savings Mortgage Corporation
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Conventional, VA | 5 | 1.1% | 100% | $489,000 | |
ALCOVA Mortgage, LLC
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Conventional, FHA | 4 | 0.9% | 100% | $502,500 | |
Guidance Residential, LLC
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Conventional | 4 | 0.9% | 100% | $527,500 | |
First Heritage Mortgage, LLC
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Conventional, FHA | 4 | 0.9% | 100% | $435,000 | |
Prosperity Home Mortgage, LLC
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Conventional, VA | 4 | 0.9% | 100% | $405,000 | |
Vellum Mortgage, Inc.
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Conventional | 2 | 0.5% | 100% | $410,000 | |
Loansteady LLC
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Conventional | 1 | 0.2% | 100% | $555,000 | |
Credit Union Mortgage Associat
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Conventional | 1 | 0.2% | 50% | $375,000 | |
Capital Center LLC
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Conventional | 1 | 0.2% | 100% | $745,000 | |
Atlantic Bay Mortgage Group
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Conventional | 1 | 0.2% | 100% | $605,000 | |
Integrity Home Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $775,000 | |
Nrl Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA | 57 | 13.1% | 81.6% | $392,894 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 39 +1 HELOCs |
9% | 88.6% | $471,666 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 14 | 3.2% | 100% | $352,142 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, FHA, VA, HELOC | 10 +1 HELOCs |
2.3% | 92.3% | $503,000 | View |
Cmg Mortgage Inc
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Conventional, VA, HELOC | 8 +1 HELOCs |
1.8% | 100% | $433,750 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 8 | 1.8% | 100% | $465,000 | |
Nfm, Inc
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Conventional, FHA, VA | 8 | 1.8% | 100% | $433,750 | |
Mortgage Research Center
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FHA, VA | 8 | 1.8% | 100% | $437,500 | |
Guaranteed Rate, Inc.
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Conventional, VA | 7 | 1.6% | 100% | $440,714 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 6 | 1.4% | 88.9% | $473,333 | |
Embrace Home Loans, Inc.
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Conventional, FHA, VA | 6 | 1.4% | 100% | $538,333 | |
Nationstar Mortgage
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Conventional, FHA | 6 | 1.4% | 85.7% | $410,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 6 | 1.4% | 100% | $450,000 | |
Newrez LLC
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Conventional, VA | 5 | 1.1% | 62.5% | $315,000 | |
Fidelity Direct Mortgage, LLC
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Conventional, FHA | 4 | 0.9% | 100% | $345,000 | |
Genway Home Mortgage, Inc.
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Conventional, FHA | 4 | 0.9% | 100% | $205,000 | |
Lower, LLC
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FHA | 4 | 0.9% | 57.1% | $452,500 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 3 | 0.7% | 40% | $328,333 | |
Kind Lending, LLC
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Conventional | 3 | 0.7% | 75% | $401,666 | |
Guild Mortgage Company
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Conventional, VA | 3 | 0.7% | 100% | $508,333 | |
American Financial Network, Inc.
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Conventional, FHA | 3 | 0.7% | 75% | $301,666 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional, FHA | 3 | 0.7% | 37.5% | $405,000 | View |
Emet Lending Group, Inc.
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Conventional | 3 | 0.7% | 100% | $495,000 | |
Zillow Home Loans, LLC
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Conventional, VA | 3 | 0.7% | 100% | $518,333 | |
Mutual of Omaha Mortgage
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Conventional, FHA | 3 | 0.7% | 100% | $361,666 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional, VA | 3 | 0.7% | 75% | $315,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 2 +2 HELOCs |
0.5% | 33.3% | $155,000 | |
loanDepot.com LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.5% | 50% | $65,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 2 | 0.5% | 100% | $170,000 | View |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 0.5% | 100% | $365,000 | View |
PHH Mortgage Corporation
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Conventional, VA | 2 | 0.5% | 100% | $475,000 | |
Dart Bank
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Conventional | 2 | 0.5% | 100% | $495,000 | |
Deephaven Mortgage LLC
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Conventional | 2 | 0.5% | 100% | $115,000 | |
AmWest Funding Corp
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Conventional | 2 | 0.5% | 100% | $525,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 2 | 0.5% | 66.7% | $425,000 | View |
Peoples Mortgage Company
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Conventional | 2 | 0.5% | 100% | $430,000 | |
Provident Funding Associates
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Conventional | 2 | 0.5% | 100% | $485,000 | |
American Pacific Mortgage Corporation
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Conventional | 2 | 0.5% | 100% | $655,000 | |
Uif Corporation
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Conventional | 2 | 0.5% | 100% | $525,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, FHA | 2 | 0.5% | 100% | $305,000 | View |
Reliance First Capital, LLC
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Conventional, FHA | 2 | 0.5% | 100% | $245,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA | 2 | 0.5% | 100% | $325,000 | |
Pentagon Federal Credit Union
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FHA, HELOC | 1 +6 HELOCs |
0.2% | 25% | $545,000 | |
Tower Federal Credit Union
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Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $595,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 33.3% | $375,000 | |
American Portfolio Mortgage Corporation
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FHA | 1 | 0.2% | 50% | $635,000 | |
HomePromise Corporation
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VA | 1 | 0.2% | 100% | $375,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.2% | 100% | $305,000 | View |
SWBC Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $705,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.2% | 100% | $365,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $555,000 | |
Nbkc Bank
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Conventional | 1 | 0.2% | 100% | $455,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.2% | 100% | $575,000 | |
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D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 0.2% | 50% | $315,000 | View |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.2% | 100% | $575,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.2% | 25% | $545,000 | |
Resicentral LLC
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Conventional | 1 | 0.2% | 100% | $315,000 | |
First Home Mortgage
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FHA | 1 | 0.2% | 100% | $435,000 | |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.2% | 100% | $365,000 | |
HomeBridge Financial Services, Inc
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FHA | 1 | 0.2% | 50% | $585,000 | |
Bayshore Mortgage Funding
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Conventional | 1 | 0.2% | 50% | $275,000 | |
Nextmortgage, LLC
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Conventional | 1 | 0.2% | 100% | $455,000 | |
Warshaw Capital, LLC
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Conventional | 1 | 0.2% | 100% | $495,000 | |
Kwik Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $395,000 | |
Weichert Financial Services
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Conventional | 1 | 0.2% | 100% | $475,000 | |
T2 Financial LLC
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FHA | 1 | 0.2% | 100% | $545,000 | |
Waterstone Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $355,000 | |
Agriculture Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $75,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $565,000 | |
Ithink Financial Credit Union
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Conventional | 1 | 0.2% | 100% | $515,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.2% | 100% | $535,000 | |
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A5.0 ★Texas Ratio: 7.48% |
Conventional | 1 | 0.2% | 100% | $265,000 | View |
Nasa Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $205,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.2% | 100% | $385,000 | View |
Citadel Servicing Corporation
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Conventional | 1 | 0.2% | 100% | $475,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.2% | 50% | $485,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.2% | 100% | $125,000 | View |
Nmsi, Inc.
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Conventional | 1 | 0.2% | 100% | $515,000 | |
Partners 1St Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $75,000 | |
United Nations Federal CU
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Conventional | 1 | 0.2% | 100% | $135,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.2% | 100% | $635,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.2% | 28.6% | $545,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.2% | 100% | $605,000 | View |
Loan Simple, Inc.
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Conventional | 1 | 0.2% | 100% | $515,000 | |
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C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 0.2% | 100% | $455,000 | View |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Better Mortgage Corporation
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
FedChoice Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Sterling 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 Sterling, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Sterling? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sterling in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sterling, VA
Use these to narrow the list above. Each category shows how many Sterling, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Sterling, VA
Independent mortgage companies closed 78.2 percent of home loans in Sterling, Virginia in 2025, banks 14 percent and credit unions 7.8 percent. Atlantic Coast Mortgage, LLC was the largest mortgage company, Truist Bank 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 Sterling, VA
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Sterling, Virginia with 10 loans, about 2.3 percent of the market. The largest lender headquartered in Virginia was Navy Federal Credit Union with 20 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Sterling, Virginia, Rocket Mortgage approved the highest share of completed applications in 2025 at 81.6 percent, against a 84.3 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.
39 lenders closed FHA loans in Sterling, Virginia in 2025, led by United Wholesale Mortgage with 9. 22 lenders closed VA loans, led by Mortgage Research Center. 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. 35 banks and 17 credit unions closed home loans in Sterling, Virginia in 2025, alongside 80 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 Sterling, 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 Sterling, 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 Sterling. 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.
