Mortgage Lenders and Brokers in Cave Spring, 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
Cave Spring, Virginia mortgage lenders include Virginia Federal Credit UnionVirginia Federal Credit Union120 Seminole Ct, Charlottesville, VA 22901A5.0 ★Texas Ratio: 6.40%, Freedom First Federal Credit UnionFreedom First Federal Credit Union1204 S Main St, Blacksburg, VA 24060 5546A+5.0 ★Texas Ratio: 3.69%, Blue Eagle Credit UnionBlue Eagle Credit Union3178 Roanoke Rd, Daleville, VA 24083 3151A+5.0 ★Texas Ratio: 0.62%, Atlantic Union BankAtlantic Union Bank115 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 2.51%, Truist BankTruist Bank233 Wyndale Road, Abingdon, VA 24210A+5.0 ★Texas Ratio: 2.87%, Pinnacle BankPinnacle Bank4075wilson Boulevard, Arlington, VA 22203A+5.0 ★Texas Ratio: 3.04%, Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA 22306A5.0 ★Texas Ratio: 8.14%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust950 N Glebe Rd, Arlington, VA 22203A5.0 ★Texas Ratio: 7.72%, Wells Fargo Bank NAWells Fargo Bank NA332 Cummings St, Abingdon, VA 24210A+5.0 ★Texas Ratio: 5.36%, and Skyline National BankSkyline National Bank1206 South Main Street, Blacksburg, VA 24060A+5.0 ★Texas Ratio: 3.31%. 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 Cave Spring, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cave Spring 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 Cave Spring, Virginia
Market share is the lender's share of all home loans closed in Cave Spring, 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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120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional, FHA, HELOC | 32 +30 HELOCs |
5.4% | 71.1% | $165,000 | View |
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1204 S Main St, Blacksburg, VA 24060 5546 A+5.0 ★Texas Ratio: 3.69% |
Conventional, FHA, VA, HELOC | 16 +23 HELOCs |
2.7% | 89.5% | $216,250 | View |
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3178 Roanoke Rd, Daleville, VA 24083 3151 A+5.0 ★Texas Ratio: 0.62% |
Conventional | 14 | 2.4% | 82.4% | $130,714 | View |
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115 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 2.51% |
Conventional, VA, Jumbo, HELOC | 13 +24 HELOCs |
2.2% | 100% | $481,153 | View |
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★ 1 stars, 1 review 233 Wyndale Road, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 12 +35 HELOCs |
2% | 92.3% | $310,000 | View |
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4075wilson Boulevard, Arlington, VA 22203 A+5.0 ★Texas Ratio: 3.04% |
Conventional, FHA, HELOC | 11 +7 HELOCs |
1.9% | 100% | $289,545 | View |
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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 10 +1 HELOCs |
1.7% | 90.9% | $408,000 | |
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950 N Glebe Rd, Arlington, VA 22203 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo, HELOC | 9 +18 HELOCs |
1.5% | 75% | $466,111 | View |
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332 Cummings St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 5.36% |
Conventional, VA | 4 | 0.7% | 100% | $395,000 | View |
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1206 South Main Street, Blacksburg, VA 24060 A+5.0 ★Texas Ratio: 3.31% |
Conventional, Jumbo | 3 | 0.5% | 100% | $331,666 | View |
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1901 S Main St, Blacksburg, VA 24060 A5.0 ★Texas Ratio: 6.26% |
Conventional, HELOC | 2 +6 HELOCs |
0.3% | 100% | $265,000 | View |
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42030 Village Center Plz, Aldie, VA 20105 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +2 HELOCs |
0.3% | 100% | $475,000 | View |
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19747 Main St, Buchanan, VA 24066 A+5.0 ★Texas Ratio: 1.98% |
Conventional, Jumbo | 2 | 0.3% | 100% | $1,115,000 | View |
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102 Wall St Sw, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 0.34% |
Conventional | 2 | 0.3% | 100% | $195,000 | View |
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2770 Riverside Dr, Bassett, VA 24055 A5.0 ★Texas Ratio: 7.55% |
Conventional, HELOC | 1 +4 HELOCs |
0.2% | 100% | $345,000 | View |
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933 E Main St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 3.79% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $165,000 | View |
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18 Sandy St, Callao, VA 22435 A5.0 ★Texas Ratio: 8.11% |
Conventional | 1 | 0.2% | 100% | $165,000 | View |
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106 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 100% | $345,000 | View |
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★ 5 stars, 1 review 21263 Lankford Hwy, Cape Charles, VA 23310 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.2% | 100% | $395,000 | View |
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1700 Diagonal Rd, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 5.44% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
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201 Valley St Ne, Abingdon, VA 24210 A5.0 ★Texas Ratio: 8.87% |
Conventional | 1 | 0.2% | 100% | $265,000 | View |
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98 Blue Ridge Blvd, Blue Ridge, VA 24064 A+5.0 ★Texas Ratio: 2.42% |
Conventional | 1 | 0.2% | 100% | $565,000 | View |
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704 King Street, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 1.62% |
Conventional | 1 | 0.2% | 100% | $305,000 | View |
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1571 Roanoke Rd, Daleville, VA 24083 A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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★ 5 stars, 1 review 409 S Washington Hwy, Ashland, VA 23005 A+5.0 ★Texas Ratio: 2.27% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA | 79 | 13.4% | 100% | $296,645 | |
Integrity Home Mortgage Corporation
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Conventional, FHA, VA | 19 | 3.2% | 95% | $280,263 | |
ALCOVA Mortgage, LLC
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Conventional, FHA, VA | 18 | 3.1% | 100% | $305,555 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 4 | 0.7% | 100% | $365,000 | |
Capital Center LLC
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Conventional | 3 | 0.5% | 100% | $228,333 | |
Atlantic Coast Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $355,000 | |
Loansteady LLC
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Conventional | 1 | 0.2% | 100% | $365,000 | |
Credit Union Mortgage Associat
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Conventional | 1 | 0.2% | 100% | $115,000 | |
Intercoastal Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $265,000 | |
Vellum Mortgage, Inc.
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VA | 1 | 0.2% | 100% | $495,000 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 63 | 10.7% | 90% | $262,460 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 15 | 2.5% | 80% | $345,666 | |
Nvr Mortgage Finance, Inc.
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Conventional, VA | 15 | 2.5% | 68.2% | $466,333 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 13 | 2.2% | 100% | $238,076 | |
Nationstar Mortgage
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Conventional | 12 | 2% | 92.3% | $125,833 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, FHA, VA, HELOC | 11 +1 HELOCs |
1.9% | 92.9% | $290,454 | View |
SWBC Mortgage Corporation
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Conventional, FHA, VA | 10 | 1.7% | 100% | $366,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 9 | 1.5% | 81.8% | $295,000 | |
Mortgage Research Center
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FHA, VA, Jumbo | 9 | 1.5% | 60% | $410,555 | |
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A+5.0 ★Texas Ratio: 3.36% |
Conventional, VA | 8 | 1.4% | 100% | $265,000 | View |
Guild Mortgage Company
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Conventional, FHA, VA | 8 | 1.4% | 100% | $296,250 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 7 | 1.2% | 100% | $356,428 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA, Jumbo | 7 | 1.2% | 100% | $409,285 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional, VA | 6 | 1% | 100% | $355,000 | View |
Mutual of Omaha Mortgage
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Conventional, FHA | 6 | 1% | 100% | $331,666 | |
Goodleap, LLC
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Conventional, FHA, VA | 5 | 0.8% | 85.7% | $213,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 5 | 0.8% | 83.3% | $203,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 5 | 0.8% | 83.3% | $311,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 5 | 0.8% | 50% | $223,000 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 0.7% | 100% | $297,500 | |
Nation One Mortgage Corporatio
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Conventional, FHA, VA | 4 | 0.7% | 100% | $302,500 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 4 | 0.7% | 100% | $325,000 | View |
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A+5.0 ★Texas Ratio: 0.55% |
Conventional, FHA | 4 | 0.7% | 100% | $267,500 | View |
Lower, LLC
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Conventional, FHA, VA | 4 | 0.7% | 100% | $390,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA | 4 | 0.7% | 100% | $260,000 | |
Newrez LLC
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Conventional | 3 | 0.5% | 50% | $98,333 | |
Planet Home Lending, LLC
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FHA, VA | 3 | 0.5% | 75% | $345,000 | |
Waterstone Mortgage Corporation
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Conventional, FHA, VA | 3 | 0.5% | 100% | $175,000 | |
Village Capital & Investment
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VA | 3 | 0.5% | 100% | $318,333 | |
Better Mortgage Corporation
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Conventional, HELOC | 2 +2 HELOCs |
0.3% | 50% | $305,000 | |
Cmg Mortgage Inc
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VA, HELOC | 2 +1 HELOCs |
0.3% | 100% | $470,000 | |
State Employees' Credit Union
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Conventional | 2 | 0.3% | 100% | $305,000 | |
American Financial Resources LLC
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Conventional, FHA | 2 | 0.3% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 2 | 0.3% | 100% | $410,000 | View |
loanDepot.com LLC
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Conventional | 2 | 0.3% | 100% | $70,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 2 | 0.3% | 100% | $275,000 | |
Discover Bank
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Conventional | 2 | 0.3% | 22.2% | $100,000 | |
Stg Mortgage Inc
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FHA | 2 | 0.3% | 100% | $335,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 2 | 0.3% | 100% | $295,000 | |
Emet Lending Group, Inc.
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Conventional | 2 | 0.3% | 100% | $405,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional, VA | 2 | 0.3% | 100% | $325,000 | |
Keystone Funding, Inc
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Conventional, FHA | 2 | 0.3% | 100% | $340,000 | |
Carrington Mortgage Services LLC
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Conventional | 2 | 0.3% | 100% | $50,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional, FHA | 2 | 0.3% | 100% | $295,000 | |
Spring Eq, LLC
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Conventional | 2 | 0.3% | 22.2% | $65,000 | |
Alliant Credit Union
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Conventional, Jumbo | 1 | 0.2% | 100% | $945,000 | |
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B+4.0 ★Texas Ratio: 2.09% |
Conventional | 1 | 0.2% | 100% | $315,000 | View |
Liberty Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $705,000 | |
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A+5.0 ★Texas Ratio: 3.87% |
Conventional | 1 | 0.2% | 100% | $385,000 | View |
Equity Prime Mortgage LLC
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VA | 1 | 0.2% | 50% | $415,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $475,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.2% | 100% | $245,000 | |
First Home Mortgage
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Conventional | 1 | 0.2% | 100% | $235,000 | |
Acre Mortgage & Financial, Inc.
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Conventional | 1 | 0.2% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 4.72% |
FHA | 1 | 0.2% | 100% | $215,000 | View |
Nqm Funding, LLC
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Conventional | 1 | 0.2% | 100% | $185,000 | |
Network Capital Funding Corporation
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Conventional | 1 | 0.2% | 100% | $285,000 | |
ClearPath Lending
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VA | 1 | 0.2% | 100% | $265,000 | |
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A5.0 ★Texas Ratio: 7.24% |
Conventional | 1 | 0.2% | 100% | $785,000 | View |
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A+5.0 ★Texas Ratio: 1.56% |
Conventional | 1 | 0.2% | 100% | $255,000 | |
Weichert Financial Services
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Conventional | 1 | 0.2% | 100% | $125,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.2% | 100% | $705,000 | |
Ony Glo, Inc.
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Conventional | 1 | 0.2% | 100% | $235,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $345,000 | |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.2% | 50% | $435,000 | |
Provident Funding Associates
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Conventional | 1 | 0.2% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 5.16% |
Conventional | 1 | 0.2% | 100% | $355,000 | View |
Purdue Federal Cu
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Conventional | 1 | 0.2% | 100% | $325,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.2% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.2% | 100% | $525,000 | View |
American Partners Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 4.32% |
Conventional | 1 | 0.2% | 100% | $335,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.2% | 100% | $275,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.2% | 11.1% | $255,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.2% | 50% | $245,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $325,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.2% | 100% | $315,000 | |
Figure Lending LLC
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HELOC | 0 +7 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Fed Ex Employees Credit Association
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a |
Cave Spring 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 Cave Spring, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Cave Spring? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cave Spring in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cave Spring, VA
Use these to narrow the list above. Each category shows how many Cave Spring, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Cave Spring, VA
Independent mortgage companies closed 69.6 percent of home loans in Cave Spring, Virginia in 2025, banks 16.8 percent and credit unions 13.6 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, Virginia Federal Credit Union led with 32 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 Cave Spring, VA
By home loans closed in 2025, Virginia Federal Credit Union was the largest mortgage lender in Cave Spring, Virginia with 32 loans, about 5.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Cave Spring, Virginia, Atlantic Bay Mortgage Group approved the highest share of completed applications in 2025 at 100 percent, against a 87.1 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
38 lenders closed FHA loans in Cave Spring, Virginia in 2025, led by Atlantic Bay Mortgage Group with 14. 32 lenders closed VA loans, led by Atlantic Bay Mortgage Group. 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. 35 banks and 12 credit unions closed home loans in Cave Spring, Virginia in 2025, alongside 70 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 Cave Spring, 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 Cave Spring, 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 Cave Spring. 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.
