Mortgage Lenders and Brokers in Concord, 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
Concord, Virginia mortgage lenders include Atlantic Union BankAtlantic Union Bank115 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 2.51%, Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA 22306A5.0 ★Texas Ratio: 8.14%, Blue Eagle Credit UnionBlue Eagle Credit Union3178 Roanoke Rd, Daleville, VA 24083 3151A+5.0 ★Texas Ratio: 0.62%, First Bank and Trust CompanyFirst Bank and Trust Company933 E Main St, Abingdon, VA 24210A+5.0 ★Texas Ratio: 3.79%, Truist BankTruist Bank233 Wyndale Road, Abingdon, VA 24210A+5.0 ★Texas Ratio: 2.87%, Virginia Federal Credit UnionVirginia Federal Credit Union120 Seminole Ct, Charlottesville, VA 22901A5.0 ★Texas Ratio: 6.40%, First National BankFirst National Bank622 Broad St, Altavista, VA 24517A+5.0 ★Texas Ratio: 1.54%, The Farmers Bank of AppomattoxThe Farmers Bank of Appomattox10272 Village Highway, Concord, VA 24538A+5.0 ★Texas Ratio: 3.79%, Bank of the JamesBank of the James1110 Main St, Altavista, VA 24517A+5.0 ★Texas Ratio: 1.34%, and Central Virginia FCUCentral Virginia FCU14416 Forest Rd, Forest, VA 24551A5.0 ★Texas Ratio: 7.15%. 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 Concord, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Concord 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 Concord, Virginia
Market share is the lender's share of all home loans closed in Concord, 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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115 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 2.51% |
Conventional, Jumbo, HELOC | 6 +2 HELOCs |
3.2% | 100% | $578,333 | View |
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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 5 +1 HELOCs |
2.7% | 75% | $207,000 | |
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3178 Roanoke Rd, Daleville, VA 24083 3151 A+5.0 ★Texas Ratio: 0.62% |
Conventional | 3 | 1.6% | 75% | $121,666 | View |
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933 E Main St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 3.79% |
Conventional | 3 | 1.6% | 100% | $348,333 | View |
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★ 1 stars, 1 review 233 Wyndale Road, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 2 +13 HELOCs |
1.1% | 100% | $265,000 | View |
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120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional, HELOC | 2 +1 HELOCs |
1.1% | 33.3% | $70,000 | View |
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622 Broad St, Altavista, VA 24517 A+5.0 ★Texas Ratio: 1.54% |
Conventional | 2 | 1.1% | 66.7% | $50,000 | View |
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10272 Village Highway, Concord, VA 24538 A+5.0 ★Texas Ratio: 3.79% |
Conventional | 2 | 1.1% | 100% | $225,000 | View |
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1110 Main St, Altavista, VA 24517 A+5.0 ★Texas Ratio: 1.34% |
Conventional | 2 | 1.1% | 100% | $75,000 | View |
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14416 Forest Rd, Forest, VA 24551 A5.0 ★Texas Ratio: 7.15% |
Conventional | 1 | 0.5% | 100% | $45,000 | View |
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1204 S Main St, Blacksburg, VA 24060 5546 A+5.0 ★Texas Ratio: 3.69% |
Conventional | 1 | 0.5% | 100% | $315,000 | View |
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13701 US Highway 29 Ste I, Chatham, VA 24531 A5.0 ★Texas Ratio: 7.25% |
Conventional | 1 | 0.5% | 100% | $35,000 | View |
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108 Mcnair Rd, Fort Myer, VA 22211 A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 0.5% | 100% | $275,000 | View |
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332 Cummings St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.5% | 100% | $145,000 | View |
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6566 Little River Tpke, Alexandria, VA 22312 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 1 | 0.5% | 100% | $145,000 | View |
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2770 Riverside Dr, Bassett, VA 24055 A5.0 ★Texas Ratio: 7.55% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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4075wilson Boulevard, Arlington, VA 22203 A+5.0 ★Texas Ratio: 3.04% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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950 N Glebe Rd, Arlington, VA 22203 A5.0 ★Texas Ratio: 7.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 3131 Duke St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA | 13 | 7% | 100% | $241,153 | |
Atlantic Coast Mortgage, LLC
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Conventional, FHA, VA | 8 | 4.3% | 100% | $277,500 | |
ALCOVA Mortgage, LLC
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Conventional, FHA, USDA | 7 | 3.7% | 100% | $300,714 | |
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A+5.0 ★Texas Ratio: 1.80% |
Conventional | 4 | 2.1% | 100% | $292,500 | View |
Integrity Home Mortgage Corporation
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Conventional, FHA, VA | 3 | 1.6% | 100% | $281,666 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 3 | 1.6% | 100% | $248,333 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.5% | 100% | $355,000 | View |
Rocket Mortgage
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Conventional, VA | 19 | 10.2% | 79.2% | $206,052 | |
United Wholesale Mortgage
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Conventional, FHA | 9 | 4.8% | 75% | $222,777 | |
Mortgage Research Center
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Conventional, FHA, VA | 9 | 4.8% | 75% | $303,888 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 7 | 3.7% | 77.8% | $186,428 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 7 | 3.7% | 100% | $203,571 | |
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A+5.0 ★Texas Ratio: 3.36% |
Conventional, FHA, VA | 4 | 2.1% | 100% | $230,000 | View |
American Financial Resources LLC
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Conventional, FHA, USDA | 4 | 2.1% | 100% | $227,500 | |
T2 Financial LLC
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FHA, VA | 4 | 2.1% | 100% | $305,000 | |
EMM Loans LLC
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Conventional, FHA | 3 | 1.6% | 100% | $338,333 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 1.6% | 100% | $288,333 | |
Nation One Mortgage Corporatio
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Conventional, FHA | 3 | 1.6% | 100% | $345,000 | |
Nationstar Mortgage
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Conventional | 3 | 1.6% | 100% | $258,333 | |
SWBC Mortgage Corporation
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Conventional | 2 | 1.1% | 100% | $270,000 | |
Kind Lending, LLC
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FHA | 2 | 1.1% | 66.7% | $220,000 | |
loanDepot.com LLC
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Conventional, FHA | 2 | 1.1% | 50% | $300,000 | |
Fidelity Direct Mortgage, LLC
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FHA, VA | 2 | 1.1% | 100% | $320,000 | |
Planet Home Lending, LLC
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Conventional, VA | 2 | 1.1% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $75,000 | View |
Liberty Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $205,000 | |
Residential Wholesale Mortgage
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Conventional | 1 | 0.5% | 100% | $255,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.5% | 50% | $245,000 | |
Newrez LLC
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VA | 1 | 0.5% | 50% | $205,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.5% | 100% | $365,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 0.5% | 100% | $175,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.5% | 100% | $285,000 | View |
Amerisave Mortgage Company
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Conventional | 1 | 0.5% | 25% | $75,000 | |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.5% | 100% | $175,000 | View |
Discover Bank
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Conventional | 1 | 0.5% | 33.3% | $115,000 | |
First Colony Mortgage Corporat
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USDA | 1 | 0.5% | 100% | $195,000 | |
Weichert Financial Services
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VA | 1 | 0.5% | 100% | $605,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0.5% | 100% | $175,000 | |
Nfm, Inc
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Conventional | 1 | 0.5% | 100% | $375,000 | |
New Day Financial, LLC.
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VA | 1 | 0.5% | 100% | $225,000 | |
Churchill Mortgage Corporation
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FHA | 1 | 0.5% | 100% | $345,000 | |
Intelliloan, Inc.
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FHA | 1 | 0.5% | 100% | $275,000 | |
Embrace Home Loans, Inc.
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FHA | 1 | 0.5% | 50% | $345,000 | |
Provident Funding Associates
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Conventional | 1 | 0.5% | 100% | $345,000 | |
Proponent FCU
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Conventional | 1 | 0.5% | 100% | $35,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
FHA | 1 | 0.5% | 100% | $385,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.5% | 100% | $195,000 | View |
Milend, Inc
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FHA | 1 | 0.5% | 100% | $415,000 | |
Lower, LLC
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FHA | 1 | 0.5% | 100% | $295,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.5% | 16.7% | $165,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.5% | 100% | $165,000 | |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 0.5% | 100% | $325,000 | |
Utilities Employees Credit Union
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Conventional | 1 | 0.5% | 100% | $135,000 | |
American Neighborhood Mortgage Acceptance Company
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USDA | 1 | 0.5% | 100% | $195,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View |
Concord 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 Concord, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Concord? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Concord in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Concord, VA
Use these to narrow the list above. Each category shows how many Concord, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Concord, VA
Independent mortgage companies closed 72.7 percent of home loans in Concord, Virginia in 2025, banks 16.6 percent and credit unions 10.7 percent. Atlantic Bay Mortgage Group was the largest mortgage company, Atlantic Union Bank the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in Virginia, Atlantic Union Bank led with 6 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 Concord, VA
By home loans closed in 2025, Atlantic Union Bank was the largest mortgage lender in Concord, Virginia with 6 loans, about 3.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
29 lenders closed FHA loans in Concord, Virginia in 2025, led by Atlantic Bay Mortgage Group with 3. 17 lenders closed VA loans, led by Mortgage Research Center, and 4 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. 22 banks and 10 credit unions closed home loans in Concord, Virginia in 2025, alongside 43 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 Concord, 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 Concord, 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 Concord. 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.
