Mortgage Lenders and Brokers in Bedford, Virginia
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Bedford, Virginia mortgage lenders include Atlantic Union BankAtlantic Union Bank125 W Main St, Bedford, VA 24523A+5.0 ★Texas Ratio: 2.51%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust130 E Main St, Bedford, VA 24523A5.0 ★Texas Ratio: 7.72%, Truist BankTruist Bank115 W Main St, Bedford, VA 24523A+5.0 ★Texas Ratio: 2.87%, Carter Bank and TrustCarter Bank and Trust1621 Forest Rd, Bedford, VA 24523A5.0 ★Texas Ratio: 7.55%, Virginia Federal Credit UnionVirginia Federal Credit Union120 Seminole Ct, Charlottesville, VA 22901A5.0 ★Texas Ratio: 6.40%, First Bank and Trust CompanyFirst Bank and Trust Company933 E Main St, Abingdon, VA 24210A+5.0 ★Texas Ratio: 3.79%, Freedom First Federal Credit UnionFreedom First Federal Credit Union1204 S Main St, Blacksburg, VA 24060 5546A+5.0 ★Texas Ratio: 3.69%, Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA 22306A5.0 ★Texas Ratio: 8.14%, Bank of BotetourtBank of Botetourt19747 Main St, Buchanan, VA 24066A+5.0 ★Texas Ratio: 1.98%, and Bank of the JamesBank of the James1405 Old Dominion Blvd, Bedford, VA 24523A+5.0 ★Texas Ratio: 1.34%. 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 Bedford, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bedford 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 Bedford, Virginia
Market share is the lender's share of all home loans closed in Bedford, 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 |
|---|---|---|---|---|---|---|
|
1 office in Bedford 125 W Main St, Bedford, VA 24523 A+5.0 ★Texas Ratio: 2.51% |
Conventional, FHA, VA, USDA, HELOC | 6 +14 HELOCs |
2% | 100% | $280,000 | View |
|
2 offices in Bedford 130 E Main St, Bedford, VA 24523 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo, HELOC | 6 +2 HELOCs |
2% | 100% | $380,000 | View |
|
★ 1 stars, 1 review 1 office in Bedford 115 W Main St, Bedford, VA 24523 A+5.0 ★Texas Ratio: 2.87% |
Conventional, FHA, VA, HELOC | 5 +14 HELOCs |
1.7% | 100% | $211,000 | View |
|
2 offices in Bedford 1621 Forest Rd, Bedford, VA 24523 A5.0 ★Texas Ratio: 7.55% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
|
120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional, HELOC | 6 +3 HELOCs |
2% | 54.5% | $115,000 | View |
|
933 E Main St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 3.79% |
Conventional, HELOC | 6 +3 HELOCs |
2% | 100% | $230,000 | View |
|
1204 S Main St, Blacksburg, VA 24060 5546 A+5.0 ★Texas Ratio: 3.69% |
Conventional, FHA, HELOC | 5 +2 HELOCs |
1.7% | 100% | $195,000 | View |
|
7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 5 +1 HELOCs |
1.7% | 71.4% | $299,000 | |
|
19747 Main St, Buchanan, VA 24066 A+5.0 ★Texas Ratio: 1.98% |
Conventional | 2 | 0.7% | 100% | $330,000 | View |
|
1405 Old Dominion Blvd, Bedford, VA 24523 A+5.0 ★Texas Ratio: 1.34% |
Conventional | 2 | 0.7% | 66.7% | $75,000 | View |
|
32 Windward Dr, Fishersville, VA 22939 A+5.0 ★Texas Ratio: 1.68% |
Conventional | 1 | 0.3% | 100% | $265,000 | View |
|
1206 South Main Street, Blacksburg, VA 24060 A+5.0 ★Texas Ratio: 3.31% |
Conventional | 1 | 0.3% | 100% | $85,000 | View |
|
201 N Washington Hwy, Ashland, VA 23005 A5.0 ★Texas Ratio: 13.21% |
FHA | 1 | 0.3% | 100% | $255,000 | View |
|
332 Cummings St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.3% | 50% | $325,000 | View |
|
3178 Roanoke Rd, Daleville, VA 24083 3151 A+5.0 ★Texas Ratio: 0.62% |
Conventional | 1 | 0.3% | 33.3% | $105,000 | View |
|
102 Wall St Sw, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 0.34% |
Conventional | 1 | 0.3% | 100% | $175,000 | View |
|
1901 S Main St, Blacksburg, VA 24060 A5.0 ★Texas Ratio: 6.26% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
4075wilson Boulevard, Arlington, VA 22203 A+5.0 ★Texas Ratio: 3.04% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
1700 Diagonal Rd, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
42030 Village Center Plz, Aldie, VA 20105 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Apple Federal Credit Union
7696F Richmond Hwy, Alexandria, VA 22306 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
★ 1.7 stars, 3 reviews 3131 Duke St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Atlantic Bay Mortgage Group
|
Conventional, FHA, USDA | 24 | 7.9% | 100% | $236,250 | |
ALCOVA Mortgage, LLC
|
Conventional, FHA, VA | 13 | 4.3% | 93.3% | $256,538 | |
|
A+5.0 ★Texas Ratio: 1.80% |
Conventional, HELOC | 8 +4 HELOCs |
2.6% | 72.7% | $180,000 | View |
Atlantic Coast Mortgage, LLC
|
Conventional, USDA | 7 | 2.3% | 100% | $296,428 | |
Farm Credit of the Virginias, ACA
|
Conventional | 3 | 1% | 75% | $268,333 | |
Integrity Home Mortgage Corporation
|
Conventional, FHA, VA | 3 | 1% | 100% | $291,666 | |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 100% | $405,000 | View |
First Savings Mortgage Corporation
|
Conventional | 1 | 0.3% | 100% | $195,000 | |
First Heritage Mortgage, LLC
|
Conventional | 1 | 0.3% | 100% | $185,000 | |
Capital Center LLC
|
Conventional | 1 | 0.3% | 100% | $385,000 | |
1St Advantage Federal Credit U
|
Conventional | 1 | 0.3% | 100% | $155,000 | |
Rocket Mortgage
|
Conventional, FHA, VA, Jumbo | 28 | 9.2% | 75.7% | $243,571 | |
United Wholesale Mortgage
|
Conventional, FHA, VA, USDA | 22 | 7.3% | 100% | $291,818 | |
Waterstone Mortgage Corporation
|
Conventional, FHA, VA, USDA | 13 | 4.3% | 86.7% | $175,769 | |
Fairway Independent Mort Corp
|
Conventional, FHA, VA | 12 | 4% | 100% | $251,666 | |
Mortgage Research Center
|
VA | 11 | 3.6% | 78.6% | $298,636 | |
loanDepot.com LLC
|
Conventional, FHA, VA, HELOC | 6 +2 HELOCs |
2% | 66.7% | $125,000 | |
Newrez LLC
|
Conventional, FHA, VA | 6 | 2% | 75% | $370,000 | |
SWBC Mortgage Corporation
|
Conventional, FHA, VA | 5 | 1.7% | 100% | $277,000 | |
Amerisave Mortgage Company
|
Conventional, FHA | 5 | 1.7% | 50% | $205,000 | |
EMM Loans LLC
|
Conventional, FHA | 4 | 1.3% | 100% | $252,500 | |
Vanderbilt Mortgage and Finance, Inc
|
Conventional | 4 | 1.3% | 14.8% | $147,500 | |
Residential Wholesale Mortgage
|
Conventional, VA | 3 | 1% | 100% | $248,333 | |
Freedom Mortgage Corporation
|
FHA | 3 | 1% | 75% | $258,333 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA | 3 | 1% | 100% | $191,666 | |
Kind Lending, LLC
|
FHA | 3 | 1% | 75% | $215,000 | |
Nationstar Mortgage
|
Conventional | 3 | 1% | 100% | $51,666 | |
American Financial Resources LLC
|
FHA | 2 | 0.7% | 100% | $240,000 | |
AmeriHome Mortgage Company, LLC
|
Conventional, FHA | 2 | 0.7% | 100% | $265,000 | |
|
A+5.0 ★Texas Ratio: 0.40% |
Conventional, VA | 2 | 0.7% | 100% | $515,000 | View |
Pennymac Loan Services LLC
|
Conventional, FHA | 2 | 0.7% | 100% | $285,000 | |
|
A+5.0 ★Texas Ratio: 4.72% |
Conventional | 2 | 0.7% | 100% | $355,000 | View |
Nation One Mortgage Corporatio
|
FHA | 2 | 0.7% | 100% | $305,000 | |
Click n' Close, Inc.
|
Conventional, FHA | 2 | 0.7% | 100% | $170,000 | |
Union Home Mortgage Corp.
|
Conventional | 2 | 0.7% | 100% | $370,000 | |
New Day Financial, LLC.
|
VA | 2 | 0.7% | 28.6% | $220,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 0.7% | 66.7% | $455,000 | View |
Genway Home Mortgage, Inc.
|
Conventional, FHA | 2 | 0.7% | 100% | $140,000 | |
Lower, LLC
|
FHA, VA | 2 | 0.7% | 100% | $220,000 | |
American Neighborhood Mortgage Acceptance Company
|
Conventional, FHA | 2 | 0.7% | 100% | $225,000 | |
Guaranteed Rate, Inc.
|
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $115,000 | |
|
A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.3% | 100% | $345,000 | View |
|
A+5.0 ★Texas Ratio: 3.36% |
USDA | 1 | 0.3% | 100% | $345,000 | View |
Goodleap, LLC
|
FHA | 1 | 0.3% | 50% | $225,000 | |
Lakeview Loan Servicing, LLC
|
Conventional | 1 | 0.3% | 33.3% | $35,000 | |
Equity Prime Mortgage LLC
|
FHA | 1 | 0.3% | 100% | $205,000 | |
PHH Mortgage Corporation
|
Conventional | 1 | 0.3% | 100% | $225,000 | |
|
A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.3% | 100% | $285,000 | View |
American Financial Network, Inc.
|
FHA | 1 | 0.3% | 100% | $145,000 | |
Fidelity Direct Mortgage, LLC
|
VA | 1 | 0.3% | 100% | $225,000 | |
Homestead Funding Corp.
|
FHA | 1 | 0.3% | 100% | $225,000 | |
|
A+5.0 ★Texas Ratio: 5.05% |
FHA | 1 | 0.3% | 100% | $395,000 | View |
First Alliance Home Mortgage, LLC
|
Conventional | 1 | 0.3% | 100% | $245,000 | |
Discover Bank
|
Conventional | 1 | 0.3% | 33.3% | $55,000 | |
US Wide Financial LLC
|
Conventional | 1 | 0.3% | 100% | $155,000 | |
American Financing Corporation
|
FHA | 1 | 0.3% | 100% | $175,000 | |
Stg Mortgage Inc
|
FHA | 1 | 0.3% | 100% | $225,000 | |
Planet Home Lending, LLC
|
FHA | 1 | 0.3% | 100% | $195,000 | |
Embrace Home Loans, Inc.
|
VA | 1 | 0.3% | 100% | $275,000 | |
Provident Funding Associates
|
Conventional | 1 | 0.3% | 50% | $385,000 | |
T2 Financial LLC
|
Conventional | 1 | 0.3% | 100% | $225,000 | |
Nvr Mortgage Finance, Inc.
|
VA | 1 | 0.3% | 50% | $345,000 | |
American Pacific Mortgage Corporation
|
VA | 1 | 0.3% | 100% | $205,000 | |
|
A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.3% | 100% | $435,000 | View |
|
A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.3% | 100% | $685,000 | View |
Towne Mortgage Company
|
VA | 1 | 0.3% | 100% | $205,000 | |
Pike Creek Mortgage Services, Inc.
|
Conventional | 1 | 0.3% | 100% | $225,000 | |
Zillow Home Loans, LLC
|
Conventional | 1 | 0.3% | 100% | $315,000 | |
New American Funding, LLC.
|
FHA | 1 | 0.3% | 50% | $205,000 | |
Nationwide Mortgage Bankers, Inc.
|
FHA | 1 | 0.3% | 100% | $255,000 | |
|
A5.0 ★Texas Ratio: 8.00% |
Conventional | 1 | 0.3% | 100% | $65,000 | |
Reliance First Capital, LLC
|
Conventional | 1 | 0.3% | 100% | $165,000 | |
Top Flite Financial, Inc.
|
Conventional | 1 | 0.3% | 100% | $105,000 | |
Village Capital & Investment
|
VA | 1 | 0.3% | 100% | $315,000 | |
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | 0% | ||
Spring Eq, LLC
|
HELOC | 0 +1 HELOCs |
0% | 0% |
Bedford 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 Bedford, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Bedford? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bedford in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Bedford, VA
Use these to narrow the list above. Each category shows how many Bedford, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Bedford, VA
Independent mortgage companies closed 73.3 percent of home loans in Bedford, Virginia in 2025, banks 17.5 percent and credit unions 9.2 percent. Atlantic Bay Mortgage Group was the largest mortgage company, Atlantic Union Bank the largest bank and Virginia Federal Credit Union the largest credit union. Among lenders headquartered in Virginia, Atlantic Union Bank led with 6 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 Bedford, VA
By home loans closed in 2025, Atlantic Union Bank was the largest mortgage lender in Bedford, Virginia with 6 loans, about 2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
37 lenders closed FHA loans in Bedford, Virginia in 2025, led by Atlantic Bay Mortgage Group with 9. 24 lenders closed VA loans, led by Mortgage Research Center, and 6 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. 25 banks and 10 credit unions closed home loans in Bedford, Virginia in 2025, alongside 64 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 Bedford, 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 Bedford, 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 Bedford. 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.
