In Virginia, homebuyers and homeowners often finance through mortgage companies rather than banks. These businesses focus only on home lending and are licensed and examined by the state. Before you apply, it pays to know whether the company will keep or sell your loan servicing and how it handles payments after closing. Ask each company these questions early. Use the city links below to learn more about mortgage companies near you.
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
Mortgage lenders, brokers and loan originators serving Virginia are licensed by the Virginia State Corporation Commission, Bureau of Financial Institutions. You can confirm any company's or loan officer's license on NMLS Consumer Access before you apply.
Where mortgage companies activity is highest in Virginia
| County | loans originated (2024 HMDA) |
|---|---|
| Fairfax County | 17,907 |
| the City of Virginia Beach | 9,972 |
| Prince William County | 9,742 |
| Loudoun County | 9,714 |
| Chesterfield County | 9,705 |
| Henrico County | 6,934 |
| the City of Chesapeake | 6,569 |
| the City of Norfolk | 4,547 |
| Stafford County | 4,247 |
| the City of Richmond | 3,629 |
Start your application in a few minutes. A licensed loan officer reviews it and follows up with your options.
- Takes a few minutes
- Reviewed by a licensed loan officer
- No obligation to proceed
Prefer to talk first? Call (888) 912-6746. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.
Mortgage Companies by city in Virginia
- Abingdon
- Alexandria
- Annandale
- Aquia Harbour
- Arlington
- Ashburn
- Ashland
- Bailey's Crossroads
- Bedford
- Belle Haven
- Bellwood
- Belmont
- Bensley
- Big Stone Gap
- Blacksburg
- Bon Air
- Brambleton
- Brandermill
- Bridgewater
- Bristol
- Broadlands
- Broadway
- Buckhall
- Buena Vista
- Bull Run
- Burke
- Burke Centre
- Carrollton
- Cascades
- Cave Spring
- Centreville
- Chamberlayne
- Chantilly
- Charlottesville
- Cherry Hill
- Chesapeake
- Chester
- Christiansburg
- Collinsville
- Colonial Heights
- Countryside
- Covington
- Crosspointe
- Crozet
- Culpeper
- Dale City
- Danville
- Dranesville
- Dulles Town Center
- Dumbarton
- Dumfries
- Dunn Loring
- East Highland Park
- Emporia
- Ettrick
- Fair Lakes
- Fair Oaks
- Fairfax
- Fairfax Station
- Falls Church
- Farmville
- Fishersville
- Floris
- Forest
- Fort Belvoir
- Fort Hunt
- Fort Lee
- Franconia
- Franklin
- Franklin Farm
- Fredericksburg
- Front Royal
- Gainesville
- Galax
- George Mason
- Glen Allen
- Gloucester Point
- Great Falls
- Greenbriar
- Groveton
- Hampton
- Harrisonburg
- Herndon
- Highland Springs
- Hollins
- Hollymead
- Hopewell
- Huntington
- Hybla Valley
- Idylwood
- Independent Hill
- Innsbrook
- Kings Park
- Kings Park West
- Kingstowne
- Lake Barcroft
- Lake Monticello
- Lake Ridge
- Lake of the Woods
- Lakeside
- Lansdowne
- Laurel
- Laurel Hill
- Leesburg
- Lexington
- Lincolnia
- Linton Hall
- Long Branch
- Lorton
- Loudoun Valley Estates
- Lowes Island
- Lynchburg
- Madison Heights
- Manassas
- Manassas Park
- Manchester
- Mantua
- Marion
- Martinsville
- Massanetta Springs
- McLean
- McNair
- Meadowbrook
- Mechanicsville
- Merrifield
- Montclair
- Montrose
- Mount Vernon
- Neabsco
- New Baltimore
- Newington
- Newington Forest
- Newport News
- Norfolk
- North Springfield
- Norton
- Oakton
- Orange
- Petersburg
- Pimmit Hills
- Poquoson
- Portsmouth
- Potomac Mills
- Pulaski
- Purcellville
- Quantico Base
- Radford
- Reston
- Richlands
- Richmond
- Roanoke
- Rockwood
- Rocky Mount
- Rose Hill
- Salem
- Sandston
- Seven Corners
- Short Pump
- Smithfield
- South Boston
- South Riding
- South Run
- Springfield
- Staunton
- Sterling
- Stone Ridge
- Strasburg
- Stuarts Draft
- Sudley
- Suffolk
- Sugarland Run
- Timberlake
- Triangle
- Tuckahoe
- Tysons
- University of Virginia
- Vienna
- Vinton
- Virginia Beach
- Wakefield
- Warrenton
- Waynesboro
- West Falls Church
- West Springfield
- Williamsburg
- Winchester
- Wolf Trap
- Woodburn
- Woodlake
- Woodlawn
- Woodstock
- Wyndham
- Wytheville
- Yorkshire
Common questions
Why did my loan get transferred to another company?
Servicing rights, which include collecting payments and managing escrow, are often bought and sold. A transfer does not change the terms of your loan, such as the balance or interest terms. You should receive written notice from both the old and new servicer. Federal rules also protect you from late fees for a short period if a payment goes to the old servicer.
Can a mortgage company offer FHA, VA and USDA loans?
Many can. A company must be approved by the relevant agency or work with an approved investor to offer government-backed loans. Ask which programs the company offers directly. Programs vary by borrower, property and investor, and every loan is subject to credit approval, so the company will need to review your situation before discussing which options may fit.
What is the difference between retail and wholesale lending?
In retail lending, you work directly with the company's own loan officers and staff. In wholesale lending, a mortgage broker takes your application and sends it to the company, which then underwrites and funds the loan. Your main contact differs depending on the channel, so it helps to ask which one you are in at the start.
Related guides
- How to Choose a Mortgage Lender
- The Loan Estimate and Closing Disclosure, Explained
- Documents Needed for a Mortgage
- First-Time Home Buyer Programs in Virginia
Mortgage Companies overview · Virginia mortgage overview
- 2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025