Mortgage Lenders and Brokers in Elkton, 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
Elkton, Virginia mortgage lenders include United Bank VaUnited Bank Va410 W Spotswood Trl, Elkton, VA 22827A+5.0 ★Texas Ratio: 2.15%, Farmers & Merchants BankFarmers & Merchants Bank127 Rockingham Street, Elkton, VA 22827A+5.0 ★Texas Ratio: 3.40%, Dupont Community Credit UnionDupont Community Credit Union32 Windward Dr, Fishersville, VA 22939A+5.0 ★Texas Ratio: 1.68%, Truist BankTruist Bank233 Wyndale Road, Abingdon, VA 24210A+5.0 ★Texas Ratio: 2.87%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust950 N Glebe Rd, Arlington, VA 22203A5.0 ★Texas Ratio: 7.72%, CommonWealth One Federal Credit UnionCommonWealth One Federal Credit Union4875 Eisenhower Ave, Alexandria, VA 22304 4886A5.0 ★Texas Ratio: 10.04%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA106 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA42030 Village Center Plz, Aldie, VA 20105A+5.0 ★Texas Ratio: 4.14%, Abnb Federal Credit UnionAbnb Federal Credit Union1109 Cedar Rd, Chesapeake, VA 23322 7198A+5.0 ★Texas Ratio: 5.45%, and Uva Community Credit UnionUva Community Credit Union13701 US Highway 29 Ste I, Chatham, VA 24531A5.0 ★Texas Ratio: 7.25%. 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 Elkton, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Elkton 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 Elkton, Virginia
Market share is the lender's share of all home loans closed in Elkton, 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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1 office in Elkton 410 W Spotswood Trl, Elkton, VA 22827 A+5.0 ★Texas Ratio: 2.15% |
Conventional, VA | 2 | 1.8% | 66.7% | $205,000 | View |
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127 Rockingham Street, Elkton, VA 22827 A+5.0 ★Texas Ratio: 3.40% |
Conventional, FHA, VA | 9 | 8% | 90% | $266,111 | View |
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32 Windward Dr, Fishersville, VA 22939 A+5.0 ★Texas Ratio: 1.68% |
Conventional, HELOC | 2 +9 HELOCs |
1.8% | 100% | $230,000 | 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 +2 HELOCs |
1.8% | 66.7% | $205,000 | View |
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950 N Glebe Rd, Arlington, VA 22203 A5.0 ★Texas Ratio: 7.72% |
Conventional | 2 | 1.8% | 100% | $175,000 | View |
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4875 Eisenhower Ave, Alexandria, VA 22304 4886 A5.0 ★Texas Ratio: 10.04% |
Conventional | 1 | 0.9% | 100% | $15,000 | View |
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106 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.9% | 100% | $305,000 | View |
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42030 Village Center Plz, Aldie, VA 20105 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.9% | 100% | $545,000 | View |
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1109 Cedar Rd, Chesapeake, VA 23322 7198 A+5.0 ★Texas Ratio: 5.45% |
Conventional, Jumbo | 1 | 0.9% | 100% | $1,115,000 | View |
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13701 US Highway 29 Ste I, Chatham, VA 24531 A5.0 ★Texas Ratio: 7.25% |
Conventional | 1 | 0.9% | 100% | $245,000 | View |
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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.9% | 100% | $255,000 | |
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210 Virginia Ave, Bridgewater, VA 22812 A+5.0 ★Texas Ratio: 0.34% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1008 N Glebe Rd, Arlington, VA 22201 4799 A+5.0 ★Texas Ratio: 2.12% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Integrity Home Mortgage Corporation
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Conventional, FHA, VA, USDA | 9 | 8% | 90.9% | $235,000 | |
Atlantic Coast Mortgage, LLC
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Conventional, FHA | 5 | 4.4% | 100% | $149,000 | |
ALCOVA Mortgage, LLC
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Conventional, FHA, VA | 5 | 4.4% | 100% | $235,000 | |
First Heritage Mortgage, LLC
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Conventional, FHA | 3 | 2.7% | 100% | $221,666 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 2 | 1.8% | 100% | $305,000 | View |
Atlantic Bay Mortgage Group
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Conventional, USDA | 2 | 1.8% | 100% | $265,000 | |
Vellum Mortgage, Inc.
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FHA | 1 | 0.9% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, FHA, VA | 9 | 8% | 100% | $259,444 | View |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA, USDA | 9 | 8% | 64.3% | $305,000 | |
Rocket Mortgage
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Conventional, FHA | 6 | 5.3% | 85.7% | $180,000 | |
Nationstar Mortgage
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Conventional, FHA | 5 | 4.4% | 100% | $187,000 | |
United Wholesale Mortgage
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Conventional, VA, USDA, HELOC | 4 +1 HELOCs |
3.5% | 100% | $307,500 | |
Newrez LLC
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Conventional, FHA, VA | 3 | 2.7% | 75% | $191,666 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 2 | 1.8% | 100% | $135,000 | |
Carrington Mortgage Services LLC
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VA | 2 | 1.8% | 100% | $435,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.9% | 50% | $115,000 | |
Premier Mortgage Resources, LLC
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FHA | 1 | 0.9% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 3.36% |
Conventional | 1 | 0.9% | 100% | $235,000 | View |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.9% | 100% | $225,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.9% | 100% | $115,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.9% | 100% | $235,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.9% | 33.3% | $85,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.9% | 50% | $175,000 | |
Union Home Mortgage Corp.
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FHA | 1 | 0.9% | 100% | $315,000 | |
Calcon Mutual Mortgage LLC
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USDA | 1 | 0.9% | 50% | $255,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.9% | 100% | $245,000 | |
Mortgage Research Center
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VA | 1 | 0.9% | 100% | $345,000 | |
Stockton Mortgage Corporation
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VA | 1 | 0.9% | 100% | $315,000 | |
Towne Mortgage Company
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FHA | 1 | 0.9% | 100% | $295,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 0.9% | 100% | $295,000 | |
New American Funding, LLC.
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VA | 1 | 0.9% | 100% | $115,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.9% | 100% | $95,000 | View |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 0.9% | 100% | $405,000 | View |
Gmfs, LLC
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Conventional | 1 | 0.9% | 100% | $505,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.9% | 100% | $325,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.9% | 100% | $205,000 | |
Tammac Holdings Corporation
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Conventional | 1 | 0.9% | 50% | $75,000 | |
Village Capital & Investment
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VA | 1 | 0.9% | 100% | $365,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Elkton 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 Elkton, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Elkton? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Elkton in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Elkton, VA
Use these to narrow the list above. Each category shows how many Elkton, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Elkton, VA
Independent mortgage companies closed 75.2 percent of home loans in Elkton, Virginia in 2025, banks 19.5 percent and credit unions 5.3 percent. Integrity Home Mortgage Corporation was the largest mortgage company, United Bank Va the largest bank and Dupont Community Credit Union the largest credit union. Among lenders headquartered in Virginia, Farmers & Merchants Bank led with 9 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 Elkton, VA
By home loans closed in 2025, United Bank Va was the largest mortgage lender in Elkton, Virginia with 2 loans, about 1.8 percent of the market. The largest lender headquartered in Virginia was Farmers & Merchants Bank with 9 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
20 lenders closed FHA loans in Elkton, Virginia in 2025, led by Movement Mortgage, LLC with 3. 14 lenders closed VA loans, led by DHI Mortgage Company, LTD., and 5 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. 10 banks and 7 credit unions closed home loans in Elkton, Virginia in 2025, alongside 35 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 Elkton, 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 Elkton, 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 Elkton. 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.
