Mortgage Lenders and Brokers in Charlottesville, 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
Charlottesville, Virginia mortgage lenders include Uva Community Credit UnionUva Community Credit Union13701 US Highway 29 Ste I, Chatham, VA 24531A5.0 ★Texas Ratio: 7.25%, Truist BankTruist Bank2117 Ivy Rd, Charlottesville, VA 22903A+5.0 ★Texas Ratio: 2.87%, Wells Fargo Bank NAWells Fargo Bank NA123 E Main St, Charlottesville, VA 22902A+5.0 ★Texas Ratio: 5.36%, Citizens and Farmers BankCitizens and Farmers Bank3920 Lenox Ave, Charlottesville, VA 22901A+5.0 ★Texas Ratio: 0.62%, Atlantic Union BankAtlantic Union Bank2151 Barracks Rd, Charlottesville, VA 22903A+5.0 ★Texas Ratio: 2.51%, Bank of America NABank of America NA650 Peter Jefferson Pkwy, Charlottesville, VA 22911A+5.0 ★Texas Ratio: 4.14%, Virginia National BankVirginia National Bank222 E Main St, Charlottesville, VA 22902A+5.0 ★Texas Ratio: 1.11%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust2101 Dominion Dr, Charlottesville, VA 22901A5.0 ★Texas Ratio: 7.72%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA100 Riverbend Dr, Charlottesville, VA 22911A+5.0 ★Texas Ratio: 3.68%, and Pioneer BankPioneer Bank630 Peter Jefferson Pkwy, Charlottesville, VA 22911A+5.0 ★Texas Ratio: 0.19%. 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 Charlottesville, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Charlottesville 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 Charlottesville, Virginia
Market share is the lender's share of all home loans closed in Charlottesville, 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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13701 US Highway 29 Ste I, Chatham, VA 24531 A5.0 ★Texas Ratio: 7.25% |
Conventional, Jumbo | 74 | 16.7% | 74.5% | $213,513 | View |
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★ 1 stars, 1 review 5 offices in Charlottesville 2117 Ivy Rd, Charlottesville, VA 22903 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo, HELOC | 13 +17 HELOCs |
2.9% | 100% | $547,307 | View |
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4 offices in Charlottesville 123 E Main St, Charlottesville, VA 22902 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 4 | 0.9% | 71.4% | $952,500 | View |
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2 offices in Charlottesville 3920 Lenox Ave, Charlottesville, VA 22901 A+5.0 ★Texas Ratio: 0.62% |
Conventional | 3 | 0.7% | 75% | $108,333 | View |
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3 offices in Charlottesville 2151 Barracks Rd, Charlottesville, VA 22903 A+5.0 ★Texas Ratio: 2.51% |
Conventional, HELOC | 2 +13 HELOCs |
0.5% | 66.7% | $270,000 | View |
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6 offices in Charlottesville 650 Peter Jefferson Pkwy, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +11 HELOCs |
0.5% | 100% | $375,000 | View |
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3 offices in Charlottesville 222 E Main St, Charlottesville, VA 22902 A+5.0 ★Texas Ratio: 1.11% |
Conventional, Jumbo | 2 | 0.5% | 100% | $915,000 | View |
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2 offices in Charlottesville 2101 Dominion Dr, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo, HELOC | 1 +6 HELOCs |
0.2% | 33.3% | $455,000 | View |
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3 offices in Charlottesville 100 Riverbend Dr, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 50% | $265,000 | View |
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★ 5 stars, 1 review 1 office in Charlottesville 630 Peter Jefferson Pkwy, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 0.19% |
Conventional | 1 | 0.2% | 100% | $345,000 | View |
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3 offices in Charlottesville 300 Preston Avenue, Charlottesville, VA 22902 A5.0 ★Texas Ratio: 7.55% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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2 offices in Charlottesville 1265 Seminole Trl, Charlottesville, VA 22901 A+5.0 ★Texas Ratio: 2.15% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Gray Fox Mortgage, LLC
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Conventional, VA | 21 | 4.7% | 100% | $433,095 | |
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95 Community St, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 4.85% |
Conventional, Jumbo, HELOC | 12 +5 HELOCs |
2.7% | 100% | $535,000 | View |
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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 9 +7 HELOCs |
2% | 100% | $441,666 | |
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120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional, HELOC | 7 +2 HELOCs |
1.6% | 100% | $185,000 | View |
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704 King Street, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 2 +2 HELOCs |
0.5% | 100% | $405,000 | View |
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★ 1.7 stars, 3 reviews 3131 Duke St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 4.24% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.5% | 100% | $560,000 | View |
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102 Wall St Sw, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 0.34% |
Conventional, Jumbo | 2 | 0.5% | 100% | $1,095,000 | View |
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450 James Madison Hwy, Culpeper, VA 22701 A+5.0 ★Texas Ratio: 0.03% |
Conventional | 1 | 0.2% | 100% | $345,000 | View |
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32 Windward Dr, Fishersville, VA 22939 A+5.0 ★Texas Ratio: 1.68% |
Conventional | 1 | 0.2% | 100% | $95,000 | View |
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100 Plaza Dr, Bridgewater, VA 22812 A+5.0 ★Texas Ratio: 3.40% |
Conventional | 1 | 0.2% | 100% | $385,000 | View |
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4075wilson Boulevard, Arlington, VA 22203 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 0.2% | 100% | $385,000 | View |
Apple Federal Credit Union
7696F Richmond Hwy, Alexandria, VA 22306 |
Conventional | 1 | 0.2% | 100% | $405,000 | |
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1008 N Glebe Rd, Arlington, VA 22201 4799 A+5.0 ★Texas Ratio: 2.12% |
Conventional | 1 | 0.2% | 100% | $75,000 | View |
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250 Pantops Mountain Rd, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 1.34% |
Conventional, Jumbo | 1 | 0.2% | 100% | $755,000 | View |
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933 E Main St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 3.79% |
Conventional | 1 | 0.2% | 100% | $265,000 | View |
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7485 Richmond Highway, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1700 Diagonal Rd, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
First Heritage Mortgage, LLC
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Conventional, Jumbo | 35 | 7.9% | 97.2% | $465,000 | |
Atlantic Coast Mortgage, LLC
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Conventional, FHA, VA | 15 | 3.4% | 100% | $402,333 | |
Prosperity Home Mortgage, LLC
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Conventional | 11 | 2.5% | 100% | $348,636 | |
Intercoastal Mortgage, LLC
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Conventional, VA, Jumbo | 3 | 0.7% | 100% | $801,666 | |
Capital Center LLC
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Conventional, VA | 3 | 0.7% | 42.9% | $361,666 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 0.5% | 100% | $280,000 | View |
First Savings Mortgage Corporation
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Conventional | 2 | 0.5% | 100% | $355,000 | |
1St Advantage Federal Credit U
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $805,000 | |
ALCOVA Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $485,000 | |
Loansteady LLC
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Conventional | 1 | 0.2% | 100% | $335,000 | |
Aurora Financial, LLC
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Conventional | 1 | 0.2% | 100% | $525,000 | |
Towne First Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Towne Mortgage
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Conventional | 1 | 0.2% | 100% | $255,000 | |
Ussfcu
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA | 37 | 8.3% | 84.1% | $280,945 | |
Nfm, Inc
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Conventional, FHA, VA, Jumbo | 18 | 4.1% | 100% | $393,333 | |
United Wholesale Mortgage
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Conventional, VA, HELOC | 17 +1 HELOCs |
3.8% | 85.7% | $377,352 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, FHA | 10 | 2.3% | 90.9% | $291,000 | View |
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A+5.0 ★Texas Ratio: 3.36% |
Conventional, Jumbo | 9 | 2% | 100% | $393,888 | View |
Cmg Mortgage Inc
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Conventional, FHA, Jumbo | 7 | 1.6% | 100% | $462,142 | |
Guild Mortgage Company
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Conventional | 4 | 0.9% | 100% | $387,500 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 4 | 0.9% | 100% | $612,500 | View |
Newrez LLC
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Conventional, FHA | 3 | 0.7% | 37.5% | $131,666 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 3 | 0.7% | 100% | $285,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 3 | 0.7% | 60% | $138,333 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 3 | 0.7% | 100% | $501,666 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional, Jumbo | 3 | 0.7% | 100% | $1,205,000 | View |
Nationstar Mortgage
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Conventional | 3 | 0.7% | 100% | $58,333 | |
Mortgage Research Center
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VA | 3 | 0.7% | 60% | $405,000 | |
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A+5.0 ★Texas Ratio: 5.16% |
Conventional | 3 | 0.7% | 100% | $208,333 | View |
New American Funding, LLC.
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Conventional, FHA | 3 | 0.7% | 100% | $348,333 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 3 | 0.7% | 100% | $858,333 | View |
Tomo Mortgage LLC
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Conventional | 3 | 0.7% | 100% | $235,000 | |
Premier Mortgage Resources, LLC
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Conventional | 2 | 0.5% | 100% | $165,000 | |
Guaranteed Rate, Inc.
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Conventional | 2 | 0.5% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 2 | 0.5% | 100% | $615,000 | View |
AmeriHome Mortgage Company, LLC
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FHA | 2 | 0.5% | 50% | $305,000 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional | 2 | 0.5% | 100% | $495,000 | View |
PHH Mortgage Corporation
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Conventional, VA | 2 | 0.5% | 100% | $215,000 | |
Amerisave Mortgage Company
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Conventional, VA | 2 | 0.5% | 40% | $195,000 | |
American Security Mortgage Cor
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Conventional | 2 | 0.5% | 100% | $240,000 | |
Union Home Mortgage Corp.
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Conventional | 2 | 0.5% | 66.7% | $375,000 | |
Embrace Home Loans, Inc.
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Conventional | 2 | 0.5% | 100% | $365,000 | |
Better Mortgage Corporation
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Conventional | 2 | 0.5% | 100% | $645,000 | |
Mutual of Omaha Mortgage
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FHA, VA | 2 | 0.5% | 100% | $485,000 | |
Lower, LLC
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Conventional | 2 | 0.5% | 100% | $470,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.5% | 66.7% | $80,000 | View |
American Neighborhood Mortgage Acceptance Company
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Conventional | 2 | 0.5% | 100% | $240,000 | |
Tower Federal Credit Union
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Conventional, HELOC | 1 +3 HELOCs |
0.2% | 100% | $325,000 | |
State Employees' Credit Union
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Conventional | 1 | 0.2% | 100% | $255,000 | |
Equity Resources Inc
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Conventional | 1 | 0.2% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,255,000 | View |
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A+5.0 ★Texas Ratio: 3.87% |
Conventional | 1 | 0.2% | 100% | $805,000 | View |
Freedom Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $265,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.2% | 100% | $425,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.2% | 25% | $75,000 | |
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A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.2% | 100% | $805,000 | View |
Deephaven Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $205,000 | |
State Employees Credit Union of MD
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,045,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
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A+5.0 ★Texas Ratio: 3.66% |
VA | 1 | 0.2% | 100% | $445,000 | View |
Discover Bank
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Conventional | 1 | 0.2% | 100% | $105,000 | |
East Coast Capital Corp.
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Conventional | 1 | 0.2% | 100% | $55,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.2% | 100% | $325,000 | |
Idb Global Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $305,000 | |
Fairwinds Credit Union
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Conventional | 1 | 0.2% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 5.26% |
Conventional | 1 | 0.2% | 100% | $455,000 | View |
Thomasville National Bank
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Conventional | 1 | 0.2% | 100% | $605,000 | |
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A+5.0 ★Texas Ratio: 1.48% |
Conventional | 1 | 0.2% | 100% | $415,000 | View |
Peoples Mortgage Company
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Conventional | 1 | 0.2% | 100% | $215,000 | |
Waterstone Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $345,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $325,000 | |
Inwood National Bank
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VA | 1 | 0.2% | 100% | $725,000 | |
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A+5.0 ★Texas Ratio: 2.55% |
Conventional | 1 | 0.2% | 100% | $545,000 | View |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional, Jumbo | 1 | 0.2% | 100% | $925,000 | View |
Compass Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $485,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.2% | 100% | $105,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.2% | 33.3% | $195,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.2% | 100% | $275,000 | |
Village Capital & Investment
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VA | 1 | 0.2% | 66.7% | $575,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Alliant Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Kinecta Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Charlottesville 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 Charlottesville, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Charlottesville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Charlottesville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Charlottesville, VA
Use these to narrow the list above. Each category shows how many Charlottesville, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Charlottesville, VA
Independent mortgage companies closed 53.4 percent of home loans in Charlottesville, Virginia in 2025, banks 24.3 percent and credit unions 22.3 percent. Gray Fox Mortgage, LLC was the largest mortgage company, Truist Bank the largest bank and Uva Community Credit Union the largest credit union. Among lenders headquartered in Virginia, Uva Community Credit Union led with 74 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 Charlottesville, VA
By home loans closed in 2025, Uva Community Credit Union was the largest mortgage lender in Charlottesville, Virginia with 74 loans, about 16.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Charlottesville, Virginia, Uva Community Credit Union approved the highest share of completed applications in 2025 at 74.5 percent, against a 86.3 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.
12 lenders closed FHA loans in Charlottesville, Virginia in 2025, led by Ixonia Bank with 2. 14 lenders closed VA loans, led by Atlantic Coast Mortgage, LLC. 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. 48 banks and 19 credit unions closed home loans in Charlottesville, Virginia in 2025, alongside 50 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 Charlottesville, 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 Charlottesville, 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 Charlottesville. 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.
