Mortgage Lenders and Brokers in Fair Oaks, 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 Oaks, Virginia mortgage lenders include Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA 22306A5.0 ★Texas Ratio: 8.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA106 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 3.68%, Truist BankTruist Bank233 Wyndale Road, Abingdon, VA 24210A+5.0 ★Texas Ratio: 2.87%, M&T BankM&T Bank7485 Richmond Highway, Alexandria, VA 22306A+5.0 ★Texas Ratio: 4.11%, United Bank VaUnited Bank Va7901 Richmond Hwy, Alexandria, VA 22306A+5.0 ★Texas Ratio: 2.15%, Bank of America NABank of America NA42030 Village Center Plz, Aldie, VA 20105A+5.0 ★Texas Ratio: 4.14%, Apple Federal Credit UnionApple Federal Credit Union7696F Richmond Hwy, Alexandria, VA 22306, Citizens Bank, NACitizens Bank, NA1700 Diagonal Rd, Alexandria, VA 22314A+5.0 ★Texas Ratio: 5.44%, Atlantic Union BankAtlantic Union Bank115 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 2.51%, and Northwest Federal Credit UnionNorthwest Federal Credit Union1008 N Glebe Rd, Arlington, VA 22201 4799A+5.0 ★Texas Ratio: 2.12%. 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 Oaks, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Fair Oaks 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 Oaks, Virginia
Market share is the lender's share of all home loans closed in Fair Oaks, 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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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 10 +15 HELOCs |
2.8% | 84.6% | $348,000 | |
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106 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 10 | 2.8% | 100% | $496,000 | View |
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★ 1 stars, 1 review 233 Wyndale Road, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 8 +12 HELOCs |
2.2% | 100% | $456,250 | View |
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7485 Richmond Highway, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 7 | 1.9% | 100% | $566,428 | View |
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7901 Richmond Hwy, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 2.15% |
Conventional, HELOC | 5 +2 HELOCs |
1.4% | 100% | $529,000 | View |
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42030 Village Center Plz, Aldie, VA 20105 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 4 +10 HELOCs |
1.1% | 80% | $552,500 | View |
Apple Federal Credit Union
7696F Richmond Hwy, Alexandria, VA 22306 |
Conventional, HELOC | 4 +3 HELOCs |
1.1% | 80% | $237,500 | |
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1700 Diagonal Rd, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 3 +8 HELOCs |
0.8% | 75% | $1,088,333 | View |
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115 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 2.51% |
Conventional, VA, Jumbo, HELOC | 3 +3 HELOCs |
0.8% | 75% | $1,025,000 | View |
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1008 N Glebe Rd, Arlington, VA 22201 4799 A+5.0 ★Texas Ratio: 2.12% |
Conventional, HELOC | 3 +1 HELOCs |
0.8% | 75% | $161,666 | View |
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1445a Laughlin Ave, Mclean, VA 22101 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 3 | 0.8% | 100% | $85,000 | View |
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1515 Wilson Blvd, Arlington, VA 22209 A-4.9 ★Texas Ratio: 16.48% |
Conventional | 2 | 0.6% | 100% | $600,000 | View |
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332 Cummings St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 2 | 0.6% | 100% | $715,000 | View |
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10035 Sliding Hill Rd, Ashland, VA 23005 A+5.0 ★Texas Ratio: 1.60% |
Conventional, VA | 2 | 0.6% | 100% | $500,000 | View |
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2879 Clarendon Boulevard, Arlington, VA 22201 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 2 | 0.6% | 100% | $630,000 | View |
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13478 Carrollton Blvd Ste A, Carrollton, VA 23314 A5.0 ★Texas Ratio: 10.20% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $615,000 | View |
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704 King Street, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $705,000 | View |
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44810 Saranac St, Ashburn, VA 20147 A5.0 ★Texas Ratio: 7.27% |
Conventional | 1 | 0.3% | 100% | $955,000 | View |
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5519 Franconia Rd, Alexandria, VA 22310 A5.0 ★Texas Ratio: 7.39% |
Conventional | 1 | 0.3% | 100% | $375,000 | View |
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4090 Lafayette Center Dr, Chantilly, VA 20151 C+4.2 ★Texas Ratio: 24.99% |
Conventional | 1 | 0.3% | 100% | $365,000 | 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 +4 HELOCs |
0% | n/a | View | |
Atlantic Coast Mortgage, LLC
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Conventional, FHA, VA | 17 | 4.7% | 100% | $400,294 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA, VA | 9 | 2.5% | 100% | $408,333 | |
Intercoastal Mortgage, LLC
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Conventional | 7 | 1.9% | 100% | $547,857 | |
First Heritage Mortgage, LLC
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Conventional | 7 | 1.9% | 100% | $476,428 | |
First Savings Mortgage Corporation
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Conventional | 5 | 1.4% | 100% | $469,000 | |
ALCOVA Mortgage, LLC
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Conventional | 3 | 0.8% | 100% | $471,666 | |
Jams-01 Inc dba Home Savings & Trust Mortgage
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Conventional | 3 | 0.8% | 100% | $535,000 | |
Vellum Mortgage, Inc.
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Conventional, VA | 2 | 0.6% | 100% | $550,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.3% | 100% | $655,000 | |
Credit Union Mortgage Associat
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Conventional | 1 | 0.3% | 100% | $785,000 | |
Strong Home Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $555,000 | |
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A5.0 ★Texas Ratio: 8.63% |
Conventional | 1 | 0.3% | 100% | $225,000 | View |
Capital Center LLC
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Conventional | 1 | 0.3% | 100% | $105,000 | |
Atlantic Bay Mortgage Group
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Conventional | 1 | 0.3% | 100% | $255,000 | |
United Wholesale Mortgage
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Conventional, VA, HELOC | 36 +1 HELOCs |
10% | 94.7% | $501,111 | |
Rocket Mortgage
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Conventional | 29 | 8.1% | 78.4% | $401,551 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 14 | 3.9% | 100% | $588,571 | |
Cmg Mortgage Inc
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Conventional, FHA, VA | 12 | 3.3% | 100% | $448,333 | |
Guaranteed Rate, Inc.
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Conventional, VA | 9 | 2.5% | 100% | $542,777 | |
loanDepot.com LLC
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Conventional, FHA | 7 | 1.9% | 100% | $357,857 | |
Mortgage Research Center
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VA | 7 | 1.9% | 87.5% | $639,285 | |
Zillow Home Loans, LLC
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Conventional, VA | 6 | 1.7% | 100% | $551,666 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo | 5 | 1.4% | 100% | $651,000 | View |
First Home Mortgage
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Conventional, VA | 5 | 1.4% | 100% | $499,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 4 | 1.1% | 100% | $515,000 | |
Provident Funding Associates
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Conventional | 4 | 1.1% | 100% | $547,500 | |
Bank Fund Staff Federal Credit
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Conventional, HELOC | 3 +3 HELOCs |
0.8% | 100% | $355,000 | |
Pentagon Federal Credit Union
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Conventional, VA, HELOC | 3 +3 HELOCs |
0.8% | 75% | $508,333 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
0.8% | 100% | $475,000 | View |
Freedom Mortgage Corporation
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Conventional, VA | 3 | 0.8% | 75% | $671,666 | |
Newrez LLC
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Conventional | 3 | 0.8% | 42.9% | $428,333 | |
All Credit Considered Mortgage, Inc.
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Conventional | 3 | 0.8% | 100% | $428,333 | |
Instamortgage, Inc
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Conventional, VA | 3 | 0.8% | 100% | $375,000 | |
Embrace Home Loans, Inc.
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Conventional | 3 | 0.8% | 100% | $631,666 | |
Emet Lending Group, Inc.
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Conventional | 3 | 0.8% | 100% | $471,666 | |
Fairway Independent Mort Corp
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Conventional | 3 | 0.8% | 60% | $428,333 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 0.8% | 100% | $275,000 | View |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 3 | 0.8% | 100% | $508,333 | View |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 0.6% | 100% | $570,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional, FHA | 2 | 0.6% | 100% | $510,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 0.6% | 50% | $50,000 | |
Sage Home Loans Corporation
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Conventional | 2 | 0.6% | 100% | $615,000 | |
PHH Mortgage Corporation
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Conventional | 2 | 0.6% | 100% | $440,000 | |
Guild Mortgage Company
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Conventional | 2 | 0.6% | 100% | $575,000 | |
American Financial Network, Inc.
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FHA | 2 | 0.6% | 100% | $370,000 | |
General Mortgage Capital Corporation
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Conventional | 2 | 0.6% | 100% | $625,000 | |
Discover Bank
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Conventional | 2 | 0.6% | 25% | $60,000 | |
Sun West Mortgage Company, Inc
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Conventional | 2 | 0.6% | 100% | $390,000 | |
Nfm, Inc
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Conventional | 2 | 0.6% | 100% | $485,000 | |
Nationstar Mortgage
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Conventional | 2 | 0.6% | 100% | $210,000 | |
United Nations Federal CU
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Conventional | 2 | 0.6% | 66.7% | $640,000 | |
Tower Federal Credit Union
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Conventional, HELOC | 1 +4 HELOCs |
0.3% | 100% | $245,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +2 HELOCs |
0.3% | 50% | $165,000 | |
Better Mortgage Corporation
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $665,000 | |
Originpoint, LLC
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Conventional | 1 | 0.3% | 100% | $495,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.3% | 100% | $725,000 | View |
SWBC Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $225,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.3% | 33.3% | $425,000 | |
State Employees Credit Union of MD
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Conventional | 1 | 0.3% | 100% | $935,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.3% | 33.3% | $85,000 | |
Plus Relocation Mortgage, LLC
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,435,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.3% | 100% | $715,000 | View |
HomeBridge Financial Services, Inc
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Conventional | 1 | 0.3% | 50% | $435,000 | |
First Alliance Home Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $385,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 0.3% | 100% | $295,000 | |
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A5.0 ★Texas Ratio: 11.24% |
Conventional | 1 | 0.3% | 100% | $685,000 | View |
Bay Equity LLC
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Conventional | 1 | 0.3% | 100% | $365,000 | |
Idb Global Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $365,000 | |
New Day Financial, LLC.
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VA | 1 | 0.3% | 100% | $255,000 | |
First Option Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $395,000 | |
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C+4.2 ★Texas Ratio: 24.57% |
Conventional | 1 | 0.3% | 100% | $465,000 | View |
T2 Financial LLC
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Conventional | 1 | 0.3% | 100% | $315,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.3% | 100% | $265,000 | |
Geo-Corp, Inc.
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Conventional | 1 | 0.3% | 100% | $305,000 | |
Summit Funding.Inc
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Conventional | 1 | 0.3% | 100% | $735,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.3% | 100% | $75,000 | |
Northrop Grumman Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $535,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.3% | 100% | $805,000 | |
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A5.0 ★Texas Ratio: 11.97% |
Conventional | 1 | 0.3% | 100% | $225,000 | View |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 4.81% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Firstrust Savings Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Digital Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Fair Oaks 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 Oaks, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Fair Oaks? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Fair Oaks in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Fair Oaks, VA
Use these to narrow the list above. Each category shows how many Fair Oaks, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Fair Oaks, VA
Independent mortgage companies closed 71.4 percent of home loans in Fair Oaks, Virginia in 2025, banks 19.7 percent and credit unions 8.9 percent. Atlantic Coast Mortgage, LLC was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in Virginia, Navy Federal Credit Union led with 10 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 Oaks, VA
By home loans closed in 2025, Navy Federal Credit Union was the largest mortgage lender in Fair Oaks, Virginia with 10 loans, about 2.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Fair Oaks, Virginia in 2025, led by Atlantic Coast Mortgage, LLC with 2. 18 lenders closed VA loans, led by Mortgage Research Center. 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. 28 banks and 14 credit unions closed home loans in Fair Oaks, Virginia in 2025, alongside 64 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 Oaks, 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 Oaks, 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 Oaks. 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.
