Mortgage Lenders and Brokers in Cape Charles, 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
Cape Charles, Virginia mortgage lenders include Atlantic Union BankAtlantic Union Bank22468 Lankford Hwy, Cape Charles, VA 23310A+5.0 ★Texas Ratio: 2.51%, Calvin B. Taylor Banking CompanyCalvin B. Taylor Banking Company645 Mason Ave, Cape Charles, VA 23310A+5.0 ★Texas Ratio: 4.46%, First Horizon BankFirst Horizon Bank21263 Lankford Hwy, Cape Charles, VA 23310A+5.0 ★Texas Ratio: 5.76%, Fulton Bank, National AssociationFulton Bank, National Association95 Community St, Charlottesville, VA 22911A+5.0 ★Texas Ratio: 4.85%, Virginia Federal Credit UnionVirginia Federal Credit Union120 Seminole Ct, Charlottesville, VA 22901A5.0 ★Texas Ratio: 6.40%, Presidential Bank, FSBPresidential Bank, FSB1515 Wilson Blvd, Arlington, VA 22209A-4.9 ★Texas Ratio: 16.48%, Bank of America NABank of America NA42030 Village Center Plz, Aldie, VA 20105A+5.0 ★Texas Ratio: 4.14%, TowneBankTowneBank10035 Sliding Hill Rd, Ashland, VA 23005A+5.0 ★Texas Ratio: 1.60%, Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA 22306A5.0 ★Texas Ratio: 8.14%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA106 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 3.68%. 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 Cape Charles, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cape Charles 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 Cape Charles, Virginia
Market share is the lender's share of all home loans closed in Cape Charles, 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 Cape Charles 22468 Lankford Hwy, Cape Charles, VA 23310 A+5.0 ★Texas Ratio: 2.51% |
Conventional, VA, Jumbo, HELOC | 13 +1 HELOCs |
11.5% | 100% | $586,538 | View |
|
1 office in Cape Charles 645 Mason Ave, Cape Charles, VA 23310 A+5.0 ★Texas Ratio: 4.46% |
Conventional | 8 | 7.1% | 90.9% | $363,750 | View |
|
★ 5 stars, 1 review 1 office in Cape Charles 21263 Lankford Hwy, Cape Charles, VA 23310 A+5.0 ★Texas Ratio: 5.76% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
95 Community St, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 4.85% |
Conventional, Jumbo | 2 | 1.8% | 66.7% | $590,000 | View |
|
120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional | 2 | 1.8% | 100% | $425,000 | View |
|
1515 Wilson Blvd, Arlington, VA 22209 A-4.9 ★Texas Ratio: 16.48% |
Conventional | 2 | 1.8% | 100% | $615,000 | View |
|
42030 Village Center Plz, Aldie, VA 20105 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo | 2 | 1.8% | 100% | $720,000 | View |
|
10035 Sliding Hill Rd, Ashland, VA 23005 A+5.0 ★Texas Ratio: 1.60% |
Conventional | 2 | 1.8% | 100% | $575,000 | View |
|
7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 33.3% | $445,000 | |
|
106 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.9% | 100% | $735,000 | View |
|
100 Plaza Dr, Bridgewater, VA 22812 A+5.0 ★Texas Ratio: 3.40% |
Conventional | 1 | 0.9% | 100% | $505,000 | View |
|
13478 Carrollton Blvd Ste A, Carrollton, VA 23314 A5.0 ★Texas Ratio: 10.20% |
Conventional | 1 | 0.9% | 100% | $435,000 | View |
|
7485 Richmond Highway, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.9% | 100% | $355,000 | View |
|
332 Cummings St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.9% | 100% | $575,000 | View |
|
★ 1 stars, 1 review 233 Wyndale Road, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo | 1 | 0.9% | 100% | $1,055,000 | View |
|
1217 Cedar Rd, Chesapeake, VA 23322 A+5.0 ★Texas Ratio: 1.13% |
Conventional | 1 | 0.9% | 100% | $435,000 | View |
|
2879 Clarendon Boulevard, Arlington, VA 22201 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.9% | 100% | $715,000 | View |
|
★ 1.7 stars, 3 reviews 3131 Duke St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
|
6566 Little River Tpke, Alexandria, VA 22312 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Prosperity Home Mortgage, LLC
|
Conventional, FHA, VA | 3 | 2.7% | 100% | $501,666 | |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 1.8% | 100% | $505,000 | View |
Atlantic Bay Mortgage Group
|
Conventional, Jumbo | 2 | 1.8% | 100% | $695,000 | |
Atlantic Coast Mortgage, LLC
|
Conventional | 1 | 0.9% | 100% | $685,000 | |
First Savings Mortgage Corporation
|
Conventional | 1 | 0.9% | 100% | $615,000 | |
First Heritage Mortgage, LLC
|
Conventional | 1 | 0.9% | 100% | $615,000 | |
Capital Center LLC
|
Conventional | 1 | 0.9% | 50% | $675,000 | |
|
A4.7 ★Texas Ratio: 0.83% |
Conventional | 1 | 0.9% | 100% | $175,000 | View |
Integrity Home Mortgage Corporation
|
USDA | 1 | 0.9% | 100% | $265,000 | |
Rocket Mortgage
|
Conventional, Jumbo | 9 | 8% | 83.3% | $277,222 | |
United Wholesale Mortgage
|
Conventional, VA, Jumbo | 5 | 4.4% | 100% | $593,000 | |
CrossCountry Mortgage, LLC
|
Conventional, VA, Jumbo | 3 | 2.7% | 100% | $535,000 | |
Cmg Mortgage Inc
|
Conventional, VA | 3 | 2.7% | 100% | $601,666 | |
|
A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 1.8% | 100% | $610,000 | View |
Sage Home Loans Corporation
|
Conventional | 2 | 1.8% | 100% | $525,000 | |
Watermark Capital, Inc.
|
Conventional, Jumbo | 2 | 1.8% | 100% | $780,000 | |
Pennymac Loan Services LLC
|
Conventional | 2 | 1.8% | 66.7% | $405,000 | |
loanDepot.com LLC
|
Conventional, VA | 2 | 1.8% | 100% | $290,000 | |
Calcon Mutual Mortgage LLC
|
Conventional, Jumbo | 2 | 1.8% | 100% | $1,055,000 | |
Nationstar Mortgage
|
Conventional | 2 | 1.8% | 100% | $55,000 | |
New American Funding, LLC.
|
Conventional | 2 | 1.8% | 100% | $545,000 | |
|
★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 2 | 1.8% | 100% | $630,000 | View |
American Neighborhood Mortgage Acceptance Company
|
Conventional, FHA | 2 | 1.8% | 100% | $180,000 | |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.9% | 100% | $105,000 | View |
Guaranteed Rate Affinity, LLC
|
Conventional | 1 | 0.9% | 100% | $325,000 | |
|
A+5.0 ★Texas Ratio: 0.37% |
Conventional | 1 | 0.9% | 100% | $505,000 | View |
Freedom Mortgage Corporation
|
Conventional | 1 | 0.9% | 100% | $585,000 | |
Nbkc Bank
|
Conventional | 1 | 0.9% | 100% | $555,000 | |
Kind Lending, LLC
|
Conventional | 1 | 0.9% | 100% | $385,000 | |
|
A+5.0 ★Texas Ratio: 0.40% |
Conventional | 1 | 0.9% | 100% | $805,000 | View |
PHH Mortgage Corporation
|
Conventional | 1 | 0.9% | 100% | $605,000 | |
Advancial Federal Credit Union
|
Conventional, Jumbo | 1 | 0.9% | 100% | $875,000 | |
Guild Mortgage Company
|
Conventional | 1 | 0.9% | 100% | $255,000 | |
|
A+5.0 ★Texas Ratio: 1.55% |
Conventional | 1 | 0.9% | 100% | $545,000 | View |
Hometown Equity Mortgage, LLC
|
Conventional | 1 | 0.9% | 100% | $255,000 | |
Mortgage Research Center
|
VA | 1 | 0.9% | 100% | $505,000 | |
|
A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.9% | 100% | $645,000 | View |
Mortgage Solutions of Colorado
|
FHA | 1 | 0.9% | 100% | $125,000 | |
|
A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 1 | 0.9% | 100% | $815,000 | View |
Mutual of Omaha Mortgage
|
FHA | 1 | 0.9% | 100% | $165,000 | |
Consumers Credit Union
|
Conventional | 1 | 0.9% | 100% | $785,000 | |
|
A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 0.9% | 100% | $925,000 | View |
Fairway Independent Mort Corp
|
Conventional | 1 | 0.9% | 100% | $505,000 | |
HomeBridge Financial Services, Inc
|
HELOC | 0 +3 HELOCs |
0% | n/a | ||
Tower Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Nasa Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Cape Charles 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 Cape Charles, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Cape Charles? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cape Charles in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cape Charles, VA
Use these to narrow the list above. Each category shows how many Cape Charles, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Cape Charles, VA
Independent mortgage companies closed 52.2 percent of home loans in Cape Charles, Virginia in 2025, banks 42.5 percent and credit unions 5.3 percent. Prosperity Home Mortgage, LLC 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 13 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 Cape Charles, VA
By home loans closed in 2025, Atlantic Union Bank was the largest mortgage lender in Cape Charles, Virginia with 13 loans, about 11.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
4 lenders closed FHA loans in Cape Charles, Virginia in 2025, led by Prosperity Home Mortgage, LLC with 1. 7 lenders closed VA loans, led by United Wholesale Mortgage, and 1 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 8 credit unions closed home loans in Cape Charles, Virginia in 2025, alongside 33 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 Cape Charles, 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 Cape Charles, 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 Cape Charles. 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.
