Mortgage Lenders and Brokers in Charles City, 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
Charles City, Virginia mortgage lenders include Truist BankTruist Bank10000 Courthouse Rd, Charles City, VA 23030A+5.0 ★Texas Ratio: 2.87%, Citizens and Farmers BankCitizens and Farmers Bank2288 Cartersville Rd, Cartersville, VA 23027A+5.0 ★Texas Ratio: 0.62%, United Bank VaUnited Bank Va7901 Richmond Hwy, Alexandria, VA 22306A+5.0 ★Texas Ratio: 2.15%, Chesapeake BankChesapeake Bank10000 Courtview Ln, Chesterfield, VA 23832A+5.0 ★Texas Ratio: 1.45%, Atlantic Union BankAtlantic Union Bank115 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 2.51%, Wells Fargo Bank NAWells Fargo Bank NA332 Cummings St, Abingdon, VA 24210A+5.0 ★Texas Ratio: 5.36%, Fulton Bank, National AssociationFulton Bank, National Association95 Community St, Charlottesville, VA 22911A+5.0 ★Texas Ratio: 4.85%, TowneBankTowneBank10035 Sliding Hill Rd, Ashland, VA 23005A+5.0 ★Texas Ratio: 1.60%, Atlantic Bay Mortgage GroupAtlantic Bay Mortgage GroupVirginia Beach, VA, and Capital Center LLCCapital Center LLCGlen Allen, VA. 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 Charles City, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Charles City 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 Charles City, Virginia
Market share is the lender's share of all home loans closed in Charles City, 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 stars, 1 review 1 office in Charles City 10000 Courthouse Rd, Charles City, VA 23030 A+5.0 ★Texas Ratio: 2.87% |
FHA, HELOC | 1 +5 HELOCs |
1.5% | 50% | $305,000 | View |
|
2288 Cartersville Rd, Cartersville, VA 23027 A+5.0 ★Texas Ratio: 0.62% |
Conventional | 5 | 7.6% | 71.4% | $93,000 | View |
|
7901 Richmond Hwy, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 3 | 4.5% | 100% | $388,333 | View |
|
10000 Courtview Ln, Chesterfield, VA 23832 A+5.0 ★Texas Ratio: 1.45% |
Conventional | 1 | 1.5% | 100% | $135,000 | View |
|
115 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 2.51% |
VA | 1 | 1.5% | 100% | $235,000 | View |
|
332 Cummings St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.5% | 50% | $165,000 | View |
|
95 Community St, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 4.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
10035 Sliding Hill Rd, Ashland, VA 23005 A+5.0 ★Texas Ratio: 1.60% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Atlantic Bay Mortgage Group
|
Conventional, FHA, VA | 6 | 9.1% | 100% | $280,000 | |
Capital Center LLC
|
Conventional | 4 | 6.1% | 80% | $225,000 | |
Towne First Mortgage, LLC
|
Conventional, VA | 2 | 3% | 100% | $530,000 | |
1St Advantage Federal Credit U
|
Conventional, HELOC | 1 +3 HELOCs |
1.5% | 100% | $645,000 | |
Tidewater Mortgage Services, Inc
|
FHA | 1 | 1.5% | 100% | $425,000 | |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 1.5% | 100% | $245,000 | View |
Integrity Home Mortgage Corporation
|
Conventional | 1 | 1.5% | 100% | $295,000 | |
Prosperity Home Mortgage, LLC
|
Conventional | 1 | 1.5% | 100% | $275,000 | |
Call Federal
|
Conventional | 1 | 1.5% | 100% | $75,000 | |
United Wholesale Mortgage
|
Conventional, VA, Jumbo, HELOC | 5 +1 HELOCs |
7.6% | 100% | $409,000 | |
Rocket Mortgage
|
Conventional, VA | 5 | 7.6% | 83.3% | $191,000 | |
|
A+5.0 ★Texas Ratio: 0.40% |
Conventional, FHA | 5 | 7.6% | 100% | $247,000 | View |
|
★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA | 3 | 4.5% | 100% | $185,000 | View |
Nationstar Mortgage
|
Conventional | 2 | 3% | 100% | $275,000 | |
Fairway Independent Mort Corp
|
FHA, VA | 2 | 3% | 100% | $190,000 | |
Vanderbilt Mortgage and Finance, Inc
|
Conventional | 2 | 3% | 20% | $150,000 | |
Liberty Federal Credit Union
|
Conventional | 1 | 1.5% | 100% | $315,000 | |
Primelending
|
Conventional | 1 | 1.5% | 100% | $285,000 | |
Goodleap, LLC
|
FHA | 1 | 1.5% | 100% | $285,000 | |
Freedom Mortgage Corporation
|
FHA | 1 | 1.5% | 100% | $65,000 | |
CrossCountry Mortgage, LLC
|
Conventional | 1 | 1.5% | 100% | $215,000 | |
loanDepot.com LLC
|
FHA | 1 | 1.5% | 33.3% | $155,000 | |
Pennymac Loan Services LLC
|
Conventional | 1 | 1.5% | 100% | $75,000 | |
Home Mortgage Alliance Corp (Hmac)
|
FHA | 1 | 1.5% | 100% | $235,000 | |
Calcon Mutual Mortgage LLC
|
FHA | 1 | 1.5% | 100% | $345,000 | |
Mortgage Research Center
|
VA | 1 | 1.5% | 50% | $215,000 | |
Nexera Holding LLC
|
Conventional | 1 | 1.5% | 100% | $85,000 | |
Reliance First Capital, LLC
|
FHA | 1 | 1.5% | 100% | $175,000 |
Charles City 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 Charles City, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Charles City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Charles City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Charles City, VA
Use these to narrow the list above. Each category shows how many Charles City, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Charles City, VA
Independent mortgage companies closed 66.7 percent of home loans in Charles City, Virginia in 2025, banks 28.8 percent and credit unions 4.5 percent. Atlantic Bay Mortgage Group was the largest mortgage company, Truist Bank the largest bank and 1St Advantage Federal Credit U the largest credit union. Among lenders headquartered in Virginia, Citizens and Farmers Bank led with 5 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 Charles City, VA
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Charles City, Virginia with 1 loans, about 1.5 percent of the market. The largest lender headquartered in Virginia was Citizens and Farmers Bank with 5 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
12 lenders closed FHA loans in Charles City, Virginia in 2025, led by Atlantic Bay Mortgage Group with 2. 7 lenders closed VA loans, led by United Wholesale Mortgage. 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. 12 banks and 3 credit unions closed home loans in Charles City, Virginia in 2025, alongside 21 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 Charles City, 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 Charles City, 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 Charles City. 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.
