Mortgage Lenders and Brokers in Fair Lakes, 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
Fair Lakes, Virginia mortgage lenders include Truist BankTruist Bank233 Wyndale Road, Abingdon, VA 24210A+5.0 ★Texas Ratio: 2.87%, Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA 22306A5.0 ★Texas Ratio: 8.14%, Citizens Bank, NACitizens Bank, NA1700 Diagonal Rd, Alexandria, VA 22314A+5.0 ★Texas Ratio: 5.44%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA106 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 3.68%, M&T BankM&T Bank7485 Richmond Highway, Alexandria, VA 22306A+5.0 ★Texas Ratio: 4.11%, Wells Fargo Bank NAWells Fargo Bank NA332 Cummings St, Abingdon, VA 24210A+5.0 ★Texas Ratio: 5.36%, Apple Federal Credit UnionApple Federal Credit Union7696F Richmond Hwy, Alexandria, VA 22306, Fulton Bank, National AssociationFulton Bank, National Association95 Community St, Charlottesville, VA 22911A+5.0 ★Texas Ratio: 4.85%, TD BankTD Bank6566 Little River Tpke, Alexandria, VA 22312A+5.0 ★Texas Ratio: 3.71%, and United Bank VaUnited Bank Va7901 Richmond Hwy, Alexandria, VA 22306A+5.0 ★Texas Ratio: 2.15%. 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 Fair Lakes, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Fair Lakes 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 Fair Lakes, Virginia
Market share is the lender's share of all home loans closed in Fair Lakes, 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 233 Wyndale Road, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo, HELOC | 5 +4 HELOCs |
3% | 100% | $951,000 | View |
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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +2 HELOCs |
1.8% | 75% | $425,000 | |
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1700 Diagonal Rd, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 3 +1 HELOCs |
1.8% | 100% | $448,333 | View |
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106 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1.2% | 100% | $275,000 | View |
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7485 Richmond Highway, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 1.2% | 100% | $780,000 | View |
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332 Cummings St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 1.2% | 100% | $330,000 | View |
Apple Federal Credit Union
7696F Richmond Hwy, Alexandria, VA 22306 |
Conventional, HELOC | 1 +3 HELOCs |
0.6% | 50% | $375,000 | |
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95 Community St, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 4.85% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.6% | 100% | $1,505,000 | View |
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6566 Little River Tpke, Alexandria, VA 22312 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 50% | $955,000 | View |
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7901 Richmond Hwy, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.6% | 100% | $355,000 | View |
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5000 Dominion Blvd, Glen Allen, VA 23060 3308 A+5.0 ★Texas Ratio: 1.46% |
Conventional | 1 | 0.6% | 100% | $275,000 | View |
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4090 Lafayette Center Dr, Chantilly, VA 20151 C+4.2 ★Texas Ratio: 24.99% |
Conventional | 1 | 0.6% | 100% | $265,000 | View |
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106 Harrison St Se, Leesburg, VA 20175 A5.0 ★Texas Ratio: 6.07% |
Conventional | 1 | 0.6% | 100% | $835,000 | View |
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42030 Village Center Plz, Aldie, VA 20105 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +7 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 +6 HELOCs |
0% | n/a | View | |
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704 King Street, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 1.62% |
HELOC | 0 +2 HELOCs |
0% | n/a | 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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1008 N Glebe Rd, Arlington, VA 22201 4799 A+5.0 ★Texas Ratio: 2.12% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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141 155 N Court Street, Covington, VA 24426 A+5.0 ★Texas Ratio: 3.39% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
First Heritage Mortgage, LLC
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Conventional, FHA, VA | 28 | 16.7% | 100% | $685,714 | |
Atlantic Coast Mortgage, LLC
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Conventional, VA | 8 | 4.8% | 100% | $411,250 | |
Intercoastal Mortgage, LLC
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Conventional | 4 | 2.4% | 100% | $372,500 | |
Prosperity Home Mortgage, LLC
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Conventional | 4 | 2.4% | 100% | $355,000 | |
Guidance Residential, LLC
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Conventional | 3 | 1.8% | 100% | $658,333 | |
First Savings Mortgage Corporation
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Conventional, FHA | 3 | 1.8% | 100% | $671,666 | |
Loansteady LLC
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Conventional | 1 | 0.6% | 100% | $405,000 | |
Jams-01 Inc dba Home Savings & Trust Mortgage
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Conventional | 1 | 0.6% | 100% | $225,000 | |
Rocket Mortgage
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Conventional | 13 | 7.7% | 100% | $393,461 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 12 +2 HELOCs |
7.1% | 100% | $548,333 | |
Freedom Mortgage Corporation
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Conventional, VA | 6 | 3.6% | 100% | $720,000 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 4 | 2.4% | 100% | $535,000 | |
Fairway Independent Mort Corp
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Conventional | 4 | 2.4% | 100% | $532,500 | |
Bank Fund Staff Federal Credit
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Conventional, HELOC | 2 +2 HELOCs |
1.2% | 100% | $260,000 | |
Better Mortgage Corporation
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Conventional, HELOC | 2 +1 HELOCs |
1.2% | 100% | $710,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 1.2% | 66.7% | $315,000 | View |
Guaranteed Rate, Inc.
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Conventional | 2 | 1.2% | 100% | $460,000 | |
Newrez LLC
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Conventional, VA, Jumbo | 2 | 1.2% | 66.7% | $1,205,000 | |
Pennymac Loan Services LLC
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Conventional | 2 | 1.2% | 100% | $440,000 | |
Guild Mortgage Company
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Conventional | 2 | 1.2% | 100% | $295,000 | |
Bay Equity LLC
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Conventional, VA | 2 | 1.2% | 100% | $500,000 | |
Embrace Home Loans, Inc.
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Conventional, VA | 2 | 1.2% | 100% | $290,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.2% | 100% | $285,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 2 | 1.2% | 100% | $710,000 | View |
Spring Eq, LLC
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Conventional | 2 | 1.2% | 66.7% | $110,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 2 | 1.2% | 100% | $435,000 | View |
Pentagon Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $235,000 | |
EMM Loans LLC
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Conventional | 1 | 0.6% | 100% | $525,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.6% | 100% | $365,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.6% | 100% | $705,000 | |
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A5.0 ★Texas Ratio: 11.06% |
VA | 1 | 0.6% | 100% | $395,000 | View |
Goodleap, LLC
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VA | 1 | 0.6% | 100% | $465,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.6% | 100% | $535,000 | View |
Sage Home Loans Corporation
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Conventional | 1 | 0.6% | 100% | $675,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.6% | 50% | $1,005,000 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional | 1 | 0.6% | 100% | $245,000 | View |
Loanunited.Com, LLC
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Conventional | 1 | 0.6% | 100% | $715,000 | |
State Employees Credit Union of MD
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Conventional | 1 | 0.6% | 100% | $1,045,000 | |
Discover Bank
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Conventional | 1 | 0.6% | 20% | $35,000 | |
Sun West Mortgage Company, Inc
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Conventional | 1 | 0.6% | 100% | $565,000 | |
Nfm, Inc
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Conventional | 1 | 0.6% | 100% | $1,195,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.6% | 100% | $755,000 | |
Mortgage Research Center
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VA | 1 | 0.6% | 50% | $825,000 | |
Andrews Federal Credit Union
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Conventional | 1 | 0.6% | 100% | $425,000 | |
Emet Lending Group, Inc.
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Conventional | 1 | 0.6% | 100% | $945,000 | |
Geo-Corp, Inc.
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Conventional | 1 | 0.6% | 100% | $455,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.6% | 50% | $485,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.6% | 100% | $425,000 | |
Lower, LLC
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VA | 1 | 0.6% | 100% | $605,000 | |
United Nations Federal CU
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Conventional | 1 | 0.6% | 100% | $635,000 | |
Municipal Employees Credit Union
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Conventional | 1 | 0.6% | 100% | $1,005,000 | |
Ark-La-Tex Financial Services LLC
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VA | 1 | 0.6% | 100% | $1,025,000 | |
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A+5.0 ★Texas Ratio: 3.26% |
Conventional | 1 | 0.6% | 100% | $285,000 | View |
Tower Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Cmg Mortgage Inc
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HELOC | 0 +1 HELOCs |
0% | 100% | ||
Empeople Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Fair Lakes 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 Fair Lakes, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Fair Lakes? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Fair Lakes in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Fair Lakes, VA
Use these to narrow the list above. Each category shows how many Fair Lakes, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Fair Lakes, VA
Independent mortgage companies closed 75.6 percent of home loans in Fair Lakes, Virginia in 2025, banks 17.3 percent and credit unions 7.1 percent. First Heritage Mortgage, LLC was the largest mortgage company, Truist Bank the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in Virginia, Navy Federal Credit Union led with 3 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 Fair Lakes, VA
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Fair Lakes, Virginia with 5 loans, about 3 percent of the market. The largest lender headquartered in Virginia was Navy Federal Credit Union with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Fair Lakes, Virginia in 2025, led by First Heritage Mortgage, LLC with 2. 14 lenders closed VA loans, led by First Heritage 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. 21 banks and 13 credit unions closed home loans in Fair Lakes, Virginia in 2025, alongside 41 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 Fair Lakes, 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 Fair Lakes, 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 Fair Lakes. 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.
