Mortgage Lending
Mortgage Loans in Virginia and the Washington, D.C. Region
Purchase, refinance, jumbo, construction, bridge, and portfolio financing from a national bank headquartered in McLean, Virginia. The Bank serves the greater Washington, D.C. region and lends nationwide, subject to applicable law and underwriting standards.
Overview
Residential mortgage lending in Virginia and the Washington, D.C. region
Chain Bridge Bank, N.A. is a national bank headquartered in McLean, Virginia, offering residential mortgage financing for purchase, refinance, jumbo, construction, renovation, bridge, and home equity requests. The Bank serves clients across the greater Washington, D.C. region, including Arlington, Fairfax, and Loudoun counties, lends throughout Virginia, and may originate residential mortgage loans nationwide, subject to applicable law and underwriting standards.
Loans are reviewed, processed, and underwritten by Bank personnel. In appropriate cases the Bank retains a mortgage on its balance sheet as a portfolio loan, which can support borrowers with varied income and asset profiles, including business owners and self-employed borrowers.
Informational only. This page describes residential mortgage financing offered by Chain Bridge Bank, N.A., a national bank chartered by the Office of the Comptroller of the Currency (OCC Charter No. 24755) and a member of the Federal Deposit Insurance Corporation (FDIC Certificate No. 58595). All loans are subject to underwriting, collateral review, documentation, and approval, and this page is not a commitment to make a loan. NMLS #405543. Member FDIC. Equal Housing Lender.
Why Chain Bridge Bank
How the Mortgage Department works
No commission-based officers
Mortgage lending officers are not compensated on commission and receive no incentives tied to individual loan transactions, so the guidance you receive stays aligned with your request.
In-house underwriting
Applications are processed and underwritten by Bank personnel. Credit decisions for portfolio mortgage loans are made internally rather than handed to a third party.
Complex income reviewed
The department reviews business income, partnership income, investment income, self-employment, and other sources, based on documentation, liquidity, and collateral.
Portfolio lending
When appropriate, the Bank holds a loan on its balance sheet. Portfolio loans generally do not require escrow accounts for taxes or insurance, subject to applicable law.
Loan types
Explore mortgage loan types
The Bank offers the loan types below. Dedicated pages with eligibility, process, and frequently asked questions are in development. To discuss the product that fits your request, contact the Mortgage Department.
Purchase & Refinance
Fixed-rate and adjustable-rate financing for home purchases and refinances of primary residences, second homes, and certain investment properties.
Jumbo Loans
Financing above the conforming limit for higher-value properties, common across McLean and Northern Virginia.
Bridge Loans
Short-term financing that bridges the purchase of a new home before the sale of your current one, subject to collateral and an identified repayment source.
Construction & Renovation
Financing for residential construction and renovation projects, with review of plans, budgets, specifications, and contractor information.
Home Equity & HELOC
Home equity loans and lines of credit for qualified borrowers, with a draw period followed by a repayment period.
Portfolio Lending
Loans the Bank retains on its balance sheet, supporting complex income, marketable-securities collateral, and cooperative share loans.
2026 conforming loan limits
| Area type | One-unit conforming limit |
|---|---|
| Most U.S. counties | $832,750 |
| Designated high-cost areas | Up to $1,249,125 |
Loans above the applicable limit are jumbo loans. Limits are published by the Federal Housing Finance Agency (FHFA).
Looking for commercial real estate financing? Requests for multifamily, apartment, or other commercial property loans are handled by the Bank’s commercial team. See Commercial Loans.
What to expect
The mortgage process
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Initial discussion
A lending officer discusses the purpose of the request, property type, borrower structure, income sources, and liquidity.
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Application and documents
Submit an application through the Bank’s mortgage platform. Supporting documents are collected through secure channels.
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Processing and underwriting
Bank personnel review the application, documentation, and collateral in accordance with underwriting standards.
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Closing coordination
If approved, the Bank coordinates next steps toward closing with the borrower, settlement parties, and other participants.
Ready to begin?
Borrowers ready to proceed may submit an application through the Bank’s mortgage application platform. You may also contact the Mortgage Department to discuss your request first.
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Frequently asked questions
Mortgage questions
What types of mortgage loans does Chain Bridge Bank, N.A. offer?
The Bank offers residential mortgage financing for purchase and refinance transactions, and may also offer conforming, jumbo, construction, renovation, bridge, home equity, and portfolio loans. Availability and product structure depend on underwriting standards and current program parameters.
Does the Bank offer bridge loans in Virginia and Washington, D.C.?
Yes. The Bank offers short-term bridge financing for certain purchase and sale transactions for clients in Virginia, the Washington, D.C. region, and nationwide. Bridge loans are subject to collateral, an identified repayment source, and credit evaluation.
Does the Bank offer construction and renovation loans?
The Bank may offer residential construction and renovation loans, including review of plans, specifications, budgets, contractor information, and insurance. Availability and structure depend on underwriting standards and current program terms.
What areas does the Mortgage Department serve?
The Bank is headquartered in McLean, Virginia, and works with clients across the greater Washington, D.C. region, including Arlington, Fairfax, and Loudoun counties, and throughout Virginia. As a nationally chartered bank, it may originate residential mortgage loans nationwide, subject to applicable law and underwriting standards.
Can the Bank work with self-employed borrowers or complex income?
Yes. The Mortgage Department reviews requests involving business income, partnership income, investment income, self-employment, and other complex sources. Review depends on the nature and stability of the income, available documentation, liquidity, collateral, and other underwriting factors.
Does the Bank require escrow accounts for taxes and insurance?
For portfolio mortgage loans, the Bank generally does not require escrow accounts for property taxes or homeowners insurance. For certain secondary-market loan programs, escrow accounts may be required or available depending on program guidelines. For properties in designated flood zones, escrow of flood insurance premiums may be required where mandated by applicable law.
How do I begin a mortgage request?
Contact the Mortgage Department to discuss your loan request. Borrowers ready to proceed may also submit an application through the Bank’s mortgage application platform. Account and loan opening is subject to the Bank’s approval and verification requirements.
Get started
Contact the Mortgage Department
A lending officer reviews your request and presents available options within the Bank’s credit framework, for clients in Virginia, the D.C. region, and nationwide.
This page is provided for informational purposes only. All loans are subject to underwriting, collateral review, documentation, and approval. Not all applicants or properties may qualify. Loan terms, structures, and product availability vary based on underwriting review, collateral, and market conditions. For adjustable-rate mortgage products, the interest rate and resulting monthly payment may increase after closing. NMLS #405543. Member FDIC. Equal Housing Lender.
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