Top Mortgage Lenders in Virginia (2025)
In 2025, 885 lenders made 202,470 home loans worth $76.6 billion in Virginia, according to Home Mortgage Disclosure Act (HMDA) data. The five largest made 17.3% of them. United Wholesale Mortgage made the most. Below: the top 25 lenders overall, then the top lenders for each kind of loan.
The 25 largest mortgage lenders in Virginia, 2025
Ranked by the number of home loans each lender made (originated) in Virginia in 2025, wherever the lender is based.
| # | Lender | Loans made | Loan volume | Avg. loan | Market share | Denial rate |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 10,136 | $4.1B | $407,000 | 5.0% | 12.2% |
| 2 | Navy Federal Credit Union Vienna, VA | 9,684 | $2.2B | $227,000 | 4.8% | 27.5% |
| 3 | Truist Bank Raleigh, NC | 6,380 | $1.9B | $293,000 | 3.2% | 36.0% |
| 4 | Mortgage Research Center Columbia, MO | 4,500 | $1.8B | $395,000 | 2.2% | 24.8% |
| 5 | Movement Mortgage, LLC Indian Land, SC | 4,339 | $1.5B | $343,000 | 2.1% | 5.1% |
| 6 | PennyMac Loan Services LLC Westlake Village, CA | 4,338 | $1.4B | $330,000 | 2.1% | 16.3% |
| 7 | Atlantic Bay Mortgage Group Virginia Beach, VA | 4,244 | $1.4B | $330,000 | 2.1% | 1.7% |
| 8 | Freedom Mortgage Corporation Boca Raton, FL | 3,646 | $1.5B | $409,000 | 1.8% | 10.6% |
| 9 | Virginia Federal Credit Union Richmond, VA | 3,576 | $644.7M | $180,000 | 1.8% | 20.8% |
| 10 | Atlantic Coast Mortgage, LLC Fairfax, VA | 3,458 | $1.5B | $441,000 | 1.7% | 2.1% |
| 11 | Atlantic Union Bank Glen Allen, VA | 3,237 | $847.5M | $262,000 | 1.6% | 26.2% |
| 12 | Crosscountry Mortgage, LLC Cleveland, OH | 2,938 | $1.4B | $461,000 | 1.5% | 4.4% |
| 13 | NVR Mortgage Finance, Inc. Pittsburgh, PA | 2,711 | $1.1B | $397,000 | 1.3% | 22.5% |
| 14 | Langley Federal Credit Union Newport News, VA | 2,701 | $357.8M | $132,000 | 1.3% | 21.1% |
| 15 | Bank of America NA Westlake Village, CA | 2,688 | $1.1B | $397,000 | 1.3% | 43.4% |
| 16 | Alcova Mortgage, LLC Roanoke, VA | 2,663 | $802.6M | $301,000 | 1.3% | 3.1% |
| 17 | First Heritage Mortgage, LLC Fairfax, VA | 2,637 | $1.2B | $464,000 | 1.3% | 3.5% |
| 18 | American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 2,520 | $818.3M | $325,000 | 1.2% | 4.1% |
| 19 | CMG Mortgage Inc San Ramon, IL | 2,332 | $1.1B | $489,000 | 1.2% | 3.8% |
| 20 | loanDepot.com LLC Irvine, CA | 2,215 | $584.0M | $264,000 | 1.1% | 25.6% |
| 21 | Newrez LLC Fort Washington, PA | 2,175 | $756.0M | $348,000 | 1.1% | 31.8% |
| 22 | Prosperity Home Mortgage, LLC Chantilly, VA | 2,141 | $951.0M | $444,000 | 1.1% | 4.4% |
| 23 | Townebank Portsmouth, VA | 2,077 | $805.9M | $388,000 | 1.0% | 8.1% |
| 24 | Nationstar Mortgage Coppell, TX | 1,764 | $359.2M | $204,000 | 0.9% | 14.4% |
| 25 | Fairway Independent Mort Corp Madison, WI | 1,757 | $744.5M | $424,000 | 0.9% | 6.0% |
Top Home Purchase Lenders in Virginia
787 lenders made 103,167 home purchase loans worth $46.6 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 4,212 | 4.1% |
| 2 | Atlantic Bay Mortgage Group Virginia Beach, VA | 3,814 | 3.7% |
| 3 | Mortgage Research Center Columbia, MO | 3,722 | 3.6% |
| 4 | Movement Mortgage, LLC Indian Land, SC | 3,526 | 3.4% |
| 5 | Atlantic Coast Mortgage, LLC Fairfax, VA | 3,075 | 3.0% |
| 6 | NVR Mortgage Finance, Inc. Pittsburgh, PA | 2,711 | 2.6% |
| 7 | Navy Federal Credit Union Vienna, VA | 2,688 | 2.6% |
| 8 | First Heritage Mortgage, LLC Fairfax, VA | 2,463 | 2.4% |
| 9 | Alcova Mortgage, LLC Roanoke, VA | 2,349 | 2.3% |
| 10 | American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 2,284 | 2.2% |
Top Refinance Lenders in Virginia
579 lenders made 31,613 refinance loans worth $17.3 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 3,699 | 11.7% |
| 2 | Freedom Mortgage Corporation Boca Raton, FL | 2,052 | 6.5% |
| 3 | Truist Bank Raleigh, NC | 1,745 | 5.5% |
| 4 | PennyMac Loan Services LLC Westlake Village, CA | 1,223 | 3.9% |
| 5 | Newrez LLC Fort Washington, PA | 758 | 2.4% |
| 6 | Capital Center LLC Glen Allen, VA | 642 | 2.0% |
| 7 | Mortgage Research Center Columbia, MO | 608 | 1.9% |
| 8 | Langley Federal Credit Union Newport News, VA | 559 | 1.8% |
| 9 | Village Capital & Investment Henderson, NV | 528 | 1.7% |
| 10 | Bank of America NA Westlake Village, CA | 519 | 1.6% |
Top Cash-Out Refinance Lenders in Virginia
444 lenders made 28,835 cash-out refinance loans worth $7.4 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 2,225 | 7.7% |
| 2 | Navy Federal Credit Union Vienna, VA | 1,363 | 4.7% |
| 3 | Amerisave Mortgage Company Sandy Springs, GA | 926 | 3.2% |
| 4 | PennyMac Loan Services LLC Westlake Village, CA | 861 | 3.0% |
| 5 | Freedom Mortgage Corporation Boca Raton, FL | 848 | 2.9% |
| 6 | Newrez LLC Fort Washington, PA | 842 | 2.9% |
| 7 | loanDepot.com LLC Irvine, CA | 777 | 2.7% |
| 8 | Virginia Federal Credit Union Richmond, VA | 592 | 2.1% |
| 9 | Dupont Community Credit Union Waynesboro, VA | 591 | 2.0% |
| 10 | Nationstar Mortgage Coppell, TX | 425 | 1.5% |
Top FHA Lenders in Virginia
335 lenders made 23,416 FHA loans worth $7.8 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 1,841 | 7.9% |
| 2 | Freedom Mortgage Corporation Boca Raton, FL | 935 | 4.0% |
| 3 | Movement Mortgage, LLC Indian Land, SC | 883 | 3.8% |
| 4 | Atlantic Bay Mortgage Group Virginia Beach, VA | 873 | 3.7% |
| 5 | NVR Mortgage Finance, Inc. Pittsburgh, PA | 777 | 3.3% |
| 6 | PennyMac Loan Services LLC Westlake Village, CA | 744 | 3.2% |
| 7 | Alcova Mortgage, LLC Roanoke, VA | 659 | 2.8% |
| 8 | American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 598 | 2.6% |
| 9 | Crosscountry Mortgage, LLC Cleveland, OH | 538 | 2.3% |
| 10 | Atlantic Coast Mortgage, LLC Fairfax, VA | 497 | 2.1% |
Top VA Lenders in Virginia
346 lenders made 33,951 VA loans worth $16.0 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Mortgage Research Center Columbia, MO | 4,220 | 12.4% |
| 2 | United Wholesale Mortgage Plymouth, MI | 3,811 | 11.2% |
| 3 | Freedom Mortgage Corporation Boca Raton, FL | 2,387 | 7.0% |
| 4 | Navy Federal Credit Union Vienna, VA | 1,507 | 4.4% |
| 5 | PennyMac Loan Services LLC Westlake Village, CA | 1,122 | 3.3% |
| 6 | Movement Mortgage, LLC Indian Land, SC | 981 | 2.9% |
| 7 | American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 968 | 2.9% |
| 8 | Atlantic Bay Mortgage Group Virginia Beach, VA | 923 | 2.7% |
| 9 | Newrez LLC Fort Washington, PA | 781 | 2.3% |
| 10 | Atlantic Coast Mortgage, LLC Fairfax, VA | 620 | 1.8% |
Top USDA Lenders in Virginia
109 lenders made 1,053 USDA loans worth $235.7 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Alcova Mortgage, LLC Roanoke, VA | 211 | 20.0% |
| 2 | Atlantic Bay Mortgage Group Virginia Beach, VA | 68 | 6.5% |
| 3 | United Wholesale Mortgage Plymouth, MI | 58 | 5.5% |
| 4 | CMG Mortgage Inc San Ramon, IL | 56 | 5.3% |
| 5 | Integrity Home Mortgage Corporation Winchester, VA | 39 | 3.7% |
| 6 | Movement Mortgage, LLC Indian Land, SC | 34 | 3.2% |
| 7 | NVR Mortgage Finance, Inc. Pittsburgh, PA | 30 | 2.8% |
| 8 | Newrez LLC Fort Washington, PA | 30 | 2.8% |
| 9 | Atlantic Coast Mortgage, LLC Fairfax, VA | 24 | 2.3% |
| 10 | C&F Mortgage Corporation Midlothian, VA | 24 | 2.3% |
Get the lender lists
The Virginia mortgage lender list has the 393 lenders based in Virginia, with addresses, phone numbers and their applications and dollar volume every year since 2003 ($109 for 2025, $218 for 2003–2025). The U.S. lender list has all 17,667 lenders, including the national lenders ranked above.
Virginia lender list U.S. lender listHow this ranking works
- Source: the loan records lenders filed for 2025 under the Home Mortgage Disclosure Act, published by the FFIEC and the CFPB in 2026, totaled by lender for homes in Virginia.
- Lenders are ranked by loans made, the number of loans they originated; loan volume is those loans' total amount. Loans bought from other lenders are not counted.
- Market share is the lender's share of all such loans made in Virginia. Denial rate is applications denied, divided by applications approved or denied.
- Lenders are listed under the name and city on their HMDA filing. Lenders that have asked not to appear on AllMortgageDetail are left out.
More on Virginia
Virginia mortgage data by county and metro area · mortgage lenders by city in Virginia
Nationwide rankings: All loans · Purchase · Refinance · Cash-out refi · FHA · VA · USDA
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