Mortgage Lenders and Brokers in Amherst, Virginia
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Amherst, Virginia mortgage lenders include Truist BankTruist Bank115 Richmond Hwy, Amherst, VA 24521A+5.0 ★Texas Ratio: 2.87%, First National BankFirst National Bank130 S Main St, Amherst, VA 24521A+5.0 ★Texas Ratio: 1.54%, First Bank and Trust CompanyFirst Bank and Trust Company933 E Main St, Abingdon, VA 24210A+5.0 ★Texas Ratio: 3.79%, Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA 22306A5.0 ★Texas Ratio: 8.14%, The Farmers Bank of AppomattoxThe Farmers Bank of Appomattox223 Main St, Appomattox, VA 24522A+5.0 ★Texas Ratio: 3.79%, Bank of the JamesBank of the James164 S Main St, Amherst, VA 24521A+5.0 ★Texas Ratio: 1.34%, Select BankSelect Bank1387 American Way, Bedford, VA 24523A5.0 ★Texas Ratio: 11.24%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA106 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 3.68%, Freedom First Federal Credit UnionFreedom First Federal Credit Union1204 S Main St, Blacksburg, VA 24060 5546A+5.0 ★Texas Ratio: 3.69%, and Primis BankPrimis Bank201 N Washington Hwy, Ashland, VA 23005A5.0 ★Texas Ratio: 13.21%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Amherst, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Amherst are listed first, then lenders elsewhere in Virginia, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Amherst, Virginia
Market share is the lender's share of all home loans closed in Amherst, Virginia. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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★ 1 stars, 1 review 1 office in Amherst 115 Richmond Hwy, Amherst, VA 24521 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 3 +3 HELOCs |
2.1% | 100% | $115,000 | View |
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1 office in Amherst 130 S Main St, Amherst, VA 24521 A+5.0 ★Texas Ratio: 1.54% |
Conventional | 1 | 0.7% | 100% | $575,000 | View |
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933 E Main St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 3.79% |
Conventional, HELOC | 4 +1 HELOCs |
2.7% | 100% | $302,500 | View |
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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 4 | 2.7% | 100% | $185,000 | |
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223 Main St, Appomattox, VA 24522 A+5.0 ★Texas Ratio: 3.79% |
Conventional | 3 | 2.1% | 75% | $168,333 | View |
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164 S Main St, Amherst, VA 24521 A+5.0 ★Texas Ratio: 1.34% |
Conventional | 3 | 2.1% | 75% | $118,333 | View |
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1387 American Way, Bedford, VA 24523 A5.0 ★Texas Ratio: 11.24% |
Conventional | 1 | 0.7% | 100% | $785,000 | View |
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106 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.7% | 100% | $305,000 | View |
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1204 S Main St, Blacksburg, VA 24060 5546 A+5.0 ★Texas Ratio: 3.69% |
Conventional | 1 | 0.7% | 100% | $385,000 | View |
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201 N Washington Hwy, Ashland, VA 23005 A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.7% | 100% | $365,000 | View |
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332 Cummings St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.7% | 100% | $245,000 | View |
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4075wilson Boulevard, Arlington, VA 22203 A+5.0 ★Texas Ratio: 3.04% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1700 Diagonal Rd, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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42030 Village Center Plz, Aldie, VA 20105 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
ALCOVA Mortgage, LLC
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Conventional, FHA, USDA | 8 | 5.5% | 100% | $187,500 | |
Atlantic Bay Mortgage Group
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Conventional, FHA | 5 | 3.4% | 100% | $203,000 | |
Integrity Home Mortgage Corporation
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Conventional, FHA | 3 | 2.1% | 100% | $255,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 2 | 1.4% | 100% | $180,000 | |
Atlantic Coast Mortgage, LLC
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VA | 1 | 0.7% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 1.80% |
Conventional | 1 | 0.7% | 50% | $265,000 | View |
Colonial Farm Credit ACA
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Conventional | 1 | 0.7% | 100% | $405,000 | |
Towne First Mortgage, LLC
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FHA | 1 | 0.7% | 100% | $245,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 13 | 8.9% | 82.4% | $277,307 | |
Mortgage Research Center
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FHA, VA | 8 | 5.5% | 72.7% | $371,250 | |
Freedom Mortgage Corporation
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FHA, VA | 5 | 3.4% | 100% | $295,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 4 | 2.7% | 100% | $222,500 | |
Nfm, Inc
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Conventional | 4 | 2.7% | 100% | $240,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 4 | 2.7% | 100% | $227,500 | |
loanDepot.com LLC
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Conventional, HELOC | 3 +1 HELOCs |
2.1% | 100% | $131,666 | |
United Wholesale Mortgage
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FHA, VA | 3 | 2.1% | 100% | $215,000 | |
Pennymac Loan Services LLC
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FHA | 3 | 2.1% | 100% | $205,000 | |
Nationstar Mortgage
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Conventional | 3 | 2.1% | 100% | $78,333 | |
American Financial Resources LLC
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FHA, VA | 2 | 1.4% | 100% | $235,000 | |
Residential Wholesale Mortgage
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Conventional | 2 | 1.4% | 100% | $465,000 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, FHA | 2 | 1.4% | 66.7% | $120,000 | View |
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A+5.0 ★Texas Ratio: 4.72% |
FHA, VA | 2 | 1.4% | 100% | $490,000 | View |
Union Home Mortgage Corp.
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Conventional, FHA | 2 | 1.4% | 100% | $235,000 | |
Stg Mortgage Inc
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Conventional | 2 | 1.4% | 100% | $250,000 | |
Provident Funding Associates
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Conventional | 2 | 1.4% | 100% | $325,000 | |
T2 Financial LLC
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FHA, VA | 2 | 1.4% | 100% | $280,000 | |
Waterstone Mortgage Corporation
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Conventional, FHA | 2 | 1.4% | 100% | $150,000 | |
Lower, LLC
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Conventional | 2 | 1.4% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 1.4% | 100% | $140,000 | View |
Carrington Mortgage Services LLC
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Conventional, FHA | 2 | 1.4% | 100% | $140,000 | |
EMM Loans LLC
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FHA | 1 | 0.7% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 3.36% |
Conventional | 1 | 0.7% | 100% | $245,000 | View |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.7% | 50% | $675,000 | |
RANLife, Inc.
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Conventional | 1 | 0.7% | 100% | $305,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.7% | 100% | $35,000 | |
Newrez LLC
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Conventional | 1 | 0.7% | 50% | $75,000 | |
Nbkc Bank
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VA | 1 | 0.7% | 100% | $355,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.7% | 100% | $195,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.7% | 100% | $255,000 | View |
PHH Mortgage Corporation
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FHA | 1 | 0.7% | 100% | $235,000 | |
Tower Federal Credit Union
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Conventional | 1 | 0.7% | 100% | $35,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 1 | 0.7% | 100% | $245,000 | View |
Amerisave Mortgage Company
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FHA | 1 | 0.7% | 33.3% | $305,000 | |
Nation One Mortgage Corporatio
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USDA | 1 | 0.7% | 100% | $325,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.7% | 50% | $315,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.7% | 100% | $255,000 | View |
Planet Home Lending, LLC
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FHA | 1 | 0.7% | 100% | $215,000 | |
Milend, Inc
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FHA | 1 | 0.7% | 100% | $345,000 | |
Towne Mortgage Company
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VA | 1 | 0.7% | 100% | $395,000 | |
Pentagon Federal Credit Union
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VA | 1 | 0.7% | 100% | $265,000 | |
Keystone Funding, Inc
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Conventional | 1 | 0.7% | 100% | $185,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.7% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 0.55% |
Conventional | 1 | 0.7% | 100% | $175,000 | View |
New American Funding, LLC.
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VA | 1 | 0.7% | 100% | $265,000 | |
21St Mortgage
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Conventional | 1 | 0.7% | 100% | $315,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.7% | 100% | $215,000 | |
Loan Simple, Inc.
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FHA | 1 | 0.7% | 100% | $255,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 33.3% |
Amherst Mortgage Rate Trends
Daily average mortgage rates for Virginia compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Amherst, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Amherst? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Amherst in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Amherst, VA
Use these to narrow the list above. Each category shows how many Amherst, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Amherst, VA
Independent mortgage companies closed 73.3 percent of home loans in Amherst, Virginia in 2025, banks 21.2 percent and credit unions 5.5 percent. ALCOVA Mortgage, LLC was the largest mortgage company, Truist Bank the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in Virginia, First National Bank led with 1 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in Virginia. State recordation tax of $0.25 per $100 on deeds and on deeds of trust (buyer/borrower), a state grantor tax of $0.50 per $500 (seller), localities may add one third of the state tax, and Northern Virginia and Hampton Roads add a regional grantor tax of $0.10 per $100 (Va. Code 58.1-801 through 58.1-803).
More Virginia Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Amherst, VA
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Amherst, Virginia with 3 loans, about 2.1 percent of the market. The largest lender headquartered in Virginia was First National Bank with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
27 lenders closed FHA loans in Amherst, Virginia in 2025, led by Rocket Mortgage with 4. 15 lenders closed VA loans, led by Mortgage Research Center, and 2 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 24 banks and 6 credit unions closed home loans in Amherst, Virginia in 2025, alongside 46 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Amherst, Virginia during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Amherst, Virginia for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Amherst. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
