Mortgage Lenders and Brokers in Bracey, 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
Bracey, Virginia mortgage lenders include Benchmark Community BankBenchmark Community Bank410 Church St, Blackstone, VA 23824A+5.0 ★Texas Ratio: 1.65%, Truist BankTruist Bank233 Wyndale Road, Abingdon, VA 24210A+5.0 ★Texas Ratio: 2.87%, Primis BankPrimis Bank201 N Washington Hwy, Ashland, VA 23005A5.0 ★Texas Ratio: 13.21%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust950 N Glebe Rd, Arlington, VA 22203A5.0 ★Texas Ratio: 7.72%, Virginia Federal Credit UnionVirginia Federal Credit Union120 Seminole Ct, Charlottesville, VA 22901A5.0 ★Texas Ratio: 6.40%, Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA 22306A5.0 ★Texas Ratio: 8.14%, Presidential Bank, FSBPresidential Bank, FSB1515 Wilson Blvd, Arlington, VA 22209A-4.9 ★Texas Ratio: 16.48%, Citizens Bank & Trust Co.Citizens Bank & Trust Co.9060 N Five Forks Rd, Amelia Court House, VA 23002A+5.0 ★Texas Ratio: 1.10%, The Bank of Charlotte CountyThe Bank of Charlotte County308 Lynchburg Avenue, Brookneal, VA 24528A+5.0 ★Texas Ratio: 2.39%, and Pinnacle BankPinnacle Bank4075wilson Boulevard, Arlington, VA 22203A+5.0 ★Texas Ratio: 3.04%. 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 Bracey, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bracey 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 Bracey, Virginia
Market share is the lender's share of all home loans closed in Bracey, 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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410 Church St, Blackstone, VA 23824 A+5.0 ★Texas Ratio: 1.65% |
Conventional | 9 | 9.3% | 90% | $238,333 | View |
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★ 1 stars, 1 review 233 Wyndale Road, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 3 +3 HELOCs |
3.1% | 100% | $278,333 | View |
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201 N Washington Hwy, Ashland, VA 23005 A5.0 ★Texas Ratio: 13.21% |
FHA, VA | 3 | 3.1% | 100% | $265,000 | View |
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950 N Glebe Rd, Arlington, VA 22203 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 2 +3 HELOCs |
2.1% | 100% | $620,000 | View |
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120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional, HELOC | 2 +1 HELOCs |
2.1% | 100% | $235,000 | View |
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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
VA, HELOC | 2 +1 HELOCs |
2.1% | 66.7% | $175,000 | |
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1515 Wilson Blvd, Arlington, VA 22209 A-4.9 ★Texas Ratio: 16.48% |
Conventional, VA | 2 | 2.1% | 100% | $235,000 | View |
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9060 N Five Forks Rd, Amelia Court House, VA 23002 A+5.0 ★Texas Ratio: 1.10% |
Conventional | 2 | 2.1% | 100% | $90,000 | View |
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308 Lynchburg Avenue, Brookneal, VA 24528 A+5.0 ★Texas Ratio: 2.39% |
Conventional | 1 | 1% | 100% | $55,000 | View |
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4075wilson Boulevard, Arlington, VA 22203 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 1% | 100% | $575,000 | View |
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98 Blue Ridge Blvd, Blue Ridge, VA 24064 A+5.0 ★Texas Ratio: 2.42% |
Conventional | 1 | 1% | 100% | $25,000 | View |
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★ 1.7 stars, 3 reviews 3131 Duke St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 1% | 100% | $155,000 | View |
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1217 Cedar Rd, Chesapeake, VA 23322 A+5.0 ★Texas Ratio: 1.13% |
Conventional | 1 | 1% | 100% | $85,000 | View |
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95 Community St, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 4.85% |
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, USDA | 3 | 3.1% | 100% | $281,666 | |
Atlantic Bay Mortgage Group
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Conventional, FHA | 2 | 2.1% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 1% | 50% | $745,000 | View |
Rocket Mortgage
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Conventional | 15 | 15.5% | 78.9% | $241,000 | |
State Employees' Credit Union
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Conventional | 4 | 4.1% | 80% | $290,000 | |
United Wholesale Mortgage
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Conventional, FHA | 4 | 4.1% | 80% | $242,500 | |
Mortgage Research Center
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Conventional, VA | 4 | 4.1% | 100% | $360,000 | |
American Financial Resources LLC
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Conventional, FHA | 2 | 2.1% | 100% | $275,000 | |
Newrez LLC
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Conventional, USDA | 2 | 2.1% | 66.7% | $160,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 2 | 2.1% | 100% | $320,000 | |
CrossCountry Mortgage, LLC
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FHA | 2 | 2.1% | 100% | $150,000 | |
Nfm, Inc
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Conventional, FHA | 2 | 2.1% | 100% | $395,000 | |
New American Funding, LLC.
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FHA, VA | 2 | 2.1% | 100% | $205,000 | |
Paramount Residential Mortgage
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Conventional, FHA | 2 | 2.1% | 100% | $95,000 | |
Equity Resources Inc
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Conventional | 1 | 1% | 100% | $445,000 | |
Premier Mortgage Resources, LLC
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Conventional | 1 | 1% | 100% | $385,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 1% | 100% | $645,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 1% | 100% | $75,000 | |
Freedom Mortgage Corporation
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VA | 1 | 1% | 100% | $545,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 1% | 100% | $225,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 1% | 100% | $255,000 | |
Allied Mortgage Group, Inc
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Conventional | 1 | 1% | 100% | $315,000 | |
Pennymac Loan Services LLC
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VA | 1 | 1% | 100% | $205,000 | |
American Financial Network, Inc.
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FHA | 1 | 1% | 100% | $225,000 | |
Success Mortgage Partners, Inc
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VA | 1 | 1% | 100% | $285,000 | |
Nations Lending Corporation
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FHA | 1 | 1% | 100% | $335,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 1% | 100% | $225,000 | |
Nationstar Mortgage
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Conventional | 1 | 1% | 100% | $705,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 1% | 100% | $305,000 | |
Mortgage Investors Group
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Conventional | 1 | 1% | 100% | $345,000 | |
United Nations Federal CU
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Conventional | 1 | 1% | 100% | $625,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
FHA | 1 | 1% | 50% | $215,000 | View |
Angel Oak Mortgage Solutions LLC
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Conventional, Jumbo | 1 | 1% | 100% | $1,125,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 1% | 33.3% | $105,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Bracey 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 Bracey, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Bracey? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bracey in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Bracey, VA
Use these to narrow the list above. Each category shows how many Bracey, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Bracey, VA
Independent mortgage companies closed 61.9 percent of home loans in Bracey, Virginia in 2025, banks 28.9 percent and credit unions 9.3 percent. ALCOVA Mortgage, LLC was the largest mortgage company, Benchmark Community Bank the largest bank and Virginia Federal Credit Union the largest credit union. Among lenders headquartered in Virginia, Benchmark Community Bank led with 9 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 Bracey, VA
By home loans closed in 2025, Benchmark Community Bank was the largest mortgage lender in Bracey, Virginia with 9 loans, about 9.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
14 lenders closed FHA loans in Bracey, Virginia in 2025, led by United Wholesale Mortgage with 3. 9 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. 16 banks and 4 credit unions closed home loans in Bracey, Virginia in 2025, alongside 31 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 Bracey, 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 Bracey, 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 Bracey. 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.
