Finding a mortgage lender in Virginia starts with knowing what each type of lender brings. Banks may offer account relationships, credit unions serve their members, and independent mortgage companies focus only on home loans. All lenders use the same federal Loan Estimate form, which makes comparison easier. Pick your city below to learn how the lending process works and what to ask before you choose who will fund your loan.
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 lenders 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.
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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 Lenders 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
How many lenders should I compare?
Many borrowers request Loan Estimates from two or three lenders. That is usually enough to see whether pricing and fees line up without becoming overwhelming. Ask for estimates on the same day, for the same loan type and the same property details, so the comparison is fair. Credit inquiries for a mortgage made within a short shopping window are generally treated as a single inquiry by scoring models.
How do I check whether a lender is licensed?
Use NMLS Consumer Access, a free public website run by the Nationwide Multistate Licensing System. Search by company name, individual name or NMLS ID. The results show which states the company or loan officer is licensed in and whether any regulatory actions have been taken. Your state banking or financial services regulator may also offer a license lookup.
Does a bank, credit union or mortgage company offer different loans?
Program menus vary by lender rather than by category. Some banks focus on conventional loans, some credit unions keep certain loans in their own portfolio, and many mortgage companies offer FHA, VA, USDA and conventional options. Ask each lender which programs it offers and whether it can handle your situation before you apply.
Related guides
- How to Choose a Mortgage Lender
- Mortgage Broker vs. Mortgage Lender: What Is the Difference?
- How Mortgage Preapproval Works
- First-Time Home Buyer Programs in Virginia
Mortgage Lenders overview · Virginia mortgage overview
- 2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025