Mortgage Lenders and Brokers in Emporia, 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
Emporia, Virginia mortgage lenders include Truist BankTruist Bank301 W Atlantic St, Emporia, VA 23847A+5.0 ★Texas Ratio: 2.87%, Benchmark Community BankBenchmark Community Bank125 W Atlantic St, Emporia, VA 23847A+5.0 ★Texas Ratio: 1.65%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust214 W Atlantic St, Emporia, VA 23847A5.0 ★Texas Ratio: 7.72%, Atlantic Union BankAtlantic Union Bank100 Dominion Dr, Emporia, VA 23847A+5.0 ★Texas Ratio: 2.51%, Presidential Bank, FSBPresidential Bank, FSB1515 Wilson Blvd, Arlington, VA 22209A-4.9 ★Texas Ratio: 16.48%, Virginia Federal Credit UnionVirginia Federal Credit Union120 Seminole Ct, Charlottesville, VA 22901A5.0 ★Texas Ratio: 6.40%, First BankFirst Bank98 Blue Ridge Blvd, Blue Ridge, VA 24064A+5.0 ★Texas Ratio: 2.42%, TowneBankTowneBank10035 Sliding Hill Rd, Ashland, VA 23005A+5.0 ★Texas Ratio: 1.60%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA106 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 3.68%, and Bank of America NABank of America NA42030 Village Center Plz, Aldie, VA 20105A+5.0 ★Texas Ratio: 4.14%. 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 Emporia, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Emporia 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 Emporia, Virginia
Market share is the lender's share of all home loans closed in Emporia, 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 stars, 1 review 1 office in Emporia 301 W Atlantic St, Emporia, VA 23847 A+5.0 ★Texas Ratio: 2.87% |
Conventional, FHA, HELOC | 5 +5 HELOCs |
7.7% | 71.4% | $123,000 | View |
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1 office in Emporia 125 W Atlantic St, Emporia, VA 23847 A+5.0 ★Texas Ratio: 1.65% |
Conventional | 4 | 6.2% | 80% | $162,500 | View |
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1 office in Emporia 214 W Atlantic St, Emporia, VA 23847 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 2 +1 HELOCs |
3.1% | 100% | $170,000 | View |
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1 office in Emporia 100 Dominion Dr, Emporia, VA 23847 A+5.0 ★Texas Ratio: 2.51% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1515 Wilson Blvd, Arlington, VA 22209 A-4.9 ★Texas Ratio: 16.48% |
Conventional, FHA | 5 | 7.7% | 100% | $151,000 | View |
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120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional, VA | 4 | 6.2% | 80% | $185,000 | View |
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98 Blue Ridge Blvd, Blue Ridge, VA 24064 A+5.0 ★Texas Ratio: 2.42% |
Conventional | 3 | 4.6% | 100% | $75,000 | View |
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10035 Sliding Hill Rd, Ashland, VA 23005 A+5.0 ★Texas Ratio: 1.60% |
Conventional, FHA | 2 | 3.1% | 100% | $95,000 | View |
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106 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.5% | 100% | $165,000 | View |
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42030 Village Center Plz, Aldie, VA 20105 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 1.5% | 100% | $175,000 | View |
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206 E 2nd Ave, Franklin, VA 23851 A5.0 ★Texas Ratio: 8.32% |
Conventional | 1 | 1.5% | 100% | $55,000 | View |
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13478 Carrollton Blvd Ste A, Carrollton, VA 23314 A5.0 ★Texas Ratio: 10.20% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Atlantic Coast Mortgage, LLC
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Conventional | 2 | 3.1% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 2 | 3.1% | 100% | $70,000 | View |
Capital Center LLC
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Conventional, FHA | 2 | 3.1% | 100% | $185,000 | |
Atlantic Bay Mortgage Group
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Conventional | 2 | 3.1% | 100% | $160,000 | |
Tidewater Home Funding, LLC
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USDA | 1 | 1.5% | 100% | $175,000 | |
Tidewater Mortgage Services, Inc
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VA | 1 | 1.5% | 100% | $245,000 | |
Prosperity Home Mortgage, LLC
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FHA | 1 | 1.5% | 100% | $235,000 | |
Call Federal
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Conventional | 1 | 1.5% | 100% | $15,000 | |
Mortgage Research Center
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VA | 5 | 7.7% | 71.4% | $279,000 | |
Kind Lending, LLC
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Conventional, FHA | 3 | 4.6% | 100% | $155,000 | |
Rocket Mortgage
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Conventional, FHA | 2 | 3.1% | 100% | $200,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 3.1% | 100% | $45,000 | |
Guild Mortgage Company
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Conventional, FHA | 2 | 3.1% | 100% | $105,000 | |
Village Capital & Investment
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FHA | 2 | 3.1% | 100% | $195,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 1.5% | 100% | $185,000 | |
First Home Mortgage
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FHA | 1 | 1.5% | 100% | $225,000 | |
New Day Financial, LLC.
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VA | 1 | 1.5% | 100% | $155,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 1.5% | 50% | $135,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 1.5% | 50% | $145,000 | View |
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A+5.0 ★Texas Ratio: 3.10% |
FHA | 1 | 1.5% | 100% | $285,000 | View |
Fairway Independent Mort Corp
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VA | 1 | 1.5% | 100% | $185,000 | |
Reliance First Capital, LLC
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Conventional | 1 | 1.5% | 100% | $155,000 | |
American Neighborhood Mortgage Acceptance Company
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FHA | 1 | 1.5% | 100% | $365,000 | |
State Employees' Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
The Loan Store, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a |
Emporia 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 Emporia, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Emporia? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Emporia in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Emporia, VA
Use these to narrow the list above. Each category shows how many Emporia, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Emporia, VA
Independent mortgage companies closed 49.2 percent of home loans in Emporia, Virginia in 2025, banks 41.5 percent and credit unions 9.2 percent. Atlantic Coast Mortgage, LLC was the largest mortgage company, Truist Bank the largest bank and Virginia Federal Credit Union the largest credit union. Among lenders headquartered in Virginia, Benchmark Community Bank led with 4 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 Emporia, VA
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Emporia, Virginia with 5 loans, about 7.7 percent of the market. The largest lender headquartered in Virginia was Benchmark Community Bank with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
14 lenders closed FHA loans in Emporia, Virginia in 2025, led by Presidential Bank, FSB with 2. 5 lenders closed VA loans, led by Mortgage Research Center, and 1 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. 12 banks and 6 credit unions closed home loans in Emporia, Virginia in 2025, alongside 20 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 Emporia, 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 Emporia, 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 Emporia. 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.
