2025 · Virginia
Most active investment-property lenders in Virginia
In 2025, 12,284 investment-property loans were originated on single-family 1-4 unit homes in Virginia. These are the lenders that wrote the most of them, by HMDA-reported volume.
Virginia lender rankings
| # | Lender | Focus | Originations | Volume | Biz-purpose |
|---|---|---|---|---|---|
| 1 | Kiavi Funding, Inc. | DSCR / biz | 895 | $244M | 100% |
| 2 | United Shore Financial Services, LLC | DSCR / biz | 588 | $156M | 100% |
| 3 | Rocket Mortgage, LLC | Conventional | 393 | $99M | 0% |
| 4 | Towne Bank | DSCR / biz | 245 | $65M | 94% |
| 5 | Pennymac Loan Services, LLC | DSCR / biz | 210 | $76M | 100% |
| 6 | First Heritage Mortgage, LLC | Mixed | 200 | $62M | 56% |
| 7 | Capital Center, L.L.C. | Mixed | 185 | $47M | 23% |
| 8 | Atlantic Union Bank | DSCR / biz | 177 | $43M | 97% |
| 9 | Atlantic Coast Mortgage, LLC | DSCR / biz | 167 | $51M | 95% |
| 10 | The Loan Store, Inc. | Mixed | 159 | $42M | 37% |
Lenders with at least 10 reported investor originations in Virginia, top 10.
How investors borrow in Virginia
The rate premium, denial rate, and DSCR share in Virginia — Investor Financing Report.
Where Virginia cash-flows
Gross rental yield and top metros in Virginia — Best Cash-Flow Markets.
Frequently asked questions
Who are the most active investment-property lenders in Virginia?
By 2025 HMDA-reported volume, the most active investment-property (single-family 1-4 unit) lenders in Virginia were Kiavi Funding, Inc. (895 originations), United Shore Financial Services, LLC (588), and Rocket Mortgage, LLC (393). 12,284 investor loans were originated statewide.
Which Virginia lenders focus on DSCR / business-purpose loans?
Lenders whose Virginia investor loans are mostly business- or commercial-purpose (the DSCR/LLC bucket) include Kiavi Funding, Inc., United Shore Financial Services, LLC, Towne Bank, Pennymac Loan Services, LLC. Each lender's mix is flagged in the table.
Is this a ranking of the best lenders?
No — it ranks HMDA-reported origination volume, not rate, service, or terms. HMDA omits non-reporting private/hard-money lenders and under-captures business-purpose loans. Use it as a research starting point, not a recommendation.
Run a Virginia deal
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Most active by reported volume, not a quality ranking. Lender names resolved from the 2024 HMDA filers registry (LEIs are stable across years) with a GLEIF fallback. The 2025 HMDA institution registry was not yet published at build time.