Mortgage Lenders and Brokers in Falmouth, 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
Falmouth, Virginia mortgage lenders include Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA 22306A5.0 ★Texas Ratio: 8.14%, Virginia Federal Credit UnionVirginia Federal Credit Union120 Seminole Ct, Charlottesville, VA 22901A5.0 ★Texas Ratio: 6.40%, The Freedom Bank of VirginiaThe Freedom Bank of Virginia4090 Lafayette Center Dr, Chantilly, VA 20151C+4.2 ★Texas Ratio: 24.99%, Truist BankTruist Bank233 Wyndale Road, Abingdon, VA 24210A+5.0 ★Texas Ratio: 2.87%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA106 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 3.68%, TowneBankTowneBank10035 Sliding Hill Rd, Ashland, VA 23005A+5.0 ★Texas Ratio: 1.60%, Bank of America NABank of America NA42030 Village Center Plz, Aldie, VA 20105A+5.0 ★Texas Ratio: 4.14%, Topside Federal Credit UnionTopside Federal Credit Union17442 Dahlgren Rd, Dahlgren, VA 22448A5.0 ★Texas Ratio: 6.63%, United Bank VaUnited Bank Va7901 Richmond Hwy, Alexandria, VA 22306A+5.0 ★Texas Ratio: 2.15%, and Fulton Bank, National AssociationFulton Bank, National Association95 Community St, Charlottesville, VA 22911A+5.0 ★Texas Ratio: 4.85%. 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 Falmouth, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Falmouth 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 Falmouth, Virginia
Market share is the lender's share of all home loans closed in Falmouth, 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 | 22 +8 HELOCs |
6.9% | 84.6% | $261,818 | |
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120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional | 4 | 1.3% | 66.7% | $307,500 | View |
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4090 Lafayette Center Dr, Chantilly, VA 20151 C+4.2 ★Texas Ratio: 24.99% |
Conventional, FHA | 3 | 0.9% | 100% | $338,333 | 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 +8 HELOCs |
0.6% | 100% | $340,000 | View |
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106 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.6% | 100% | $335,000 | 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% | $510,000 | View |
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42030 Village Center Plz, Aldie, VA 20105 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +6 HELOCs |
0.3% | 100% | $545,000 | View |
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17442 Dahlgren Rd, Dahlgren, VA 22448 A5.0 ★Texas Ratio: 6.63% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $135,000 | View |
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7901 Richmond Hwy, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.3% | 100% | $885,000 | View |
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95 Community St, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 4.85% |
FHA | 1 | 0.3% | 100% | $285,000 | View |
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2288 Cartersville Rd, Cartersville, VA 23027 A+5.0 ★Texas Ratio: 0.62% |
Conventional | 1 | 0.3% | 100% | $155,000 | View |
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44810 Saranac St, Ashburn, VA 20147 A5.0 ★Texas Ratio: 7.27% |
Conventional | 1 | 0.3% | 100% | $335,000 | View |
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7485 Richmond Highway, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 100% | $445,000 | View |
Apple Federal Credit Union
7696F Richmond Hwy, Alexandria, VA 22306 |
Conventional | 1 | 0.3% | 50% | $125,000 | |
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13701 US Highway 29 Ste I, Chatham, VA 24531 A5.0 ★Texas Ratio: 7.25% |
Conventional | 1 | 0.3% | 100% | $545,000 | View |
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332 Cummings St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.3% | 100% | $85,000 | 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 +7 HELOCs |
0% | n/a | View | |
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115 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 2.51% |
HELOC | 0 +4 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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1700 Diagonal Rd, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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5519 Franconia Rd, Alexandria, VA 22310 A5.0 ★Texas Ratio: 7.39% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Atlantic Coast Mortgage, LLC
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Conventional, FHA, VA | 17 | 5.3% | 94.7% | $384,411 | |
Atlantic Bay Mortgage Group
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Conventional, VA | 5 | 1.6% | 100% | $477,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA, VA | 4 | 1.3% | 100% | $585,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 2 | 0.6% | 100% | $170,000 | View |
First Heritage Mortgage, LLC
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Conventional, FHA | 2 | 0.6% | 100% | $165,000 | |
ALCOVA Mortgage, LLC
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FHA | 1 | 0.3% | 100% | $295,000 | |
City Lending Inc.
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FHA | 1 | 0.3% | 50% | $435,000 | |
Intercoastal Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $485,000 | |
First Savings Mortgage Corporation
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VA | 1 | 0.3% | 100% | $535,000 | |
Strong Home Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $395,000 | |
Vellum Mortgage, Inc.
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Conventional | 1 | 0.3% | 50% | $365,000 | |
Integrity Home Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $315,000 | |
Jams-01 Inc dba Home Savings & Trust Mortgage
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VA | 1 | 0.3% | 100% | $665,000 | |
Ussfcu
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Conventional | 1 | 0.3% | 100% | $125,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 31 | 9.7% | 94.4% | $462,096 | |
Rocket Mortgage
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Conventional, FHA, VA | 27 | 8.5% | 82.4% | $346,851 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 18 | 5.7% | 95.5% | $473,333 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, FHA, VA, HELOC | 17 +3 HELOCs |
5.3% | 95% | $415,000 | View |
Mortgage Research Center
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VA | 12 | 3.8% | 85.7% | $462,500 | |
Cmg Mortgage Inc
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Conventional, FHA, VA | 10 | 3.1% | 100% | $438,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 9 | 2.8% | 71.4% | $310,555 | |
Fairway Independent Mort Corp
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Conventional, VA | 8 | 2.5% | 100% | $386,250 | |
First Equity Mortgage Inc
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Conventional, VA | 6 | 1.9% | 75% | $731,666 | |
American Portfolio Mortgage Corporation
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FHA, VA | 5 | 1.6% | 100% | $709,000 | |
Nationstar Mortgage
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Conventional, FHA, VA | 5 | 1.6% | 100% | $211,000 | |
Pentagon Federal Credit Union
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Conventional, FHA, VA, HELOC | 4 +2 HELOCs |
1.3% | 100% | $482,500 | |
Summit Funding.Inc
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Conventional, FHA | 4 | 1.3% | 100% | $440,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, FHA | 4 | 1.3% | 80% | $382,500 | View |
Spring Eq, LLC
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Conventional | 4 | 1.3% | 57.1% | $102,500 | |
Guaranteed Rate, Inc.
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Conventional, VA | 3 | 0.9% | 100% | $481,666 | |
Kind Lending, LLC
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Conventional, FHA | 3 | 0.9% | 75% | $355,000 | |
Fidelity Direct Mortgage, LLC
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Conventional, FHA | 3 | 0.9% | 100% | $318,333 | |
Nfm, Inc
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Conventional, VA | 3 | 0.9% | 100% | $471,666 | |
Embrace Home Loans, Inc.
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Conventional, FHA | 3 | 0.9% | 100% | $368,333 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 2 +2 HELOCs |
0.6% | 100% | $180,000 | |
Everett Financial, Inc.
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Conventional | 2 | 0.6% | 100% | $320,000 | |
Newrez LLC
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Conventional | 2 | 0.6% | 50% | $130,000 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 2 | 0.6% | 100% | $390,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 0.6% | 33.3% | $85,000 | |
Click n' Close, Inc.
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Conventional, FHA | 2 | 0.6% | 100% | $225,000 | |
Legend Lending Corporation
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Conventional, FHA | 2 | 0.6% | 100% | $225,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 0.6% | 100% | $530,000 | View |
Planet Home Lending, LLC
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VA | 2 | 0.6% | 100% | $580,000 | |
Nmsi, Inc.
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Conventional | 2 | 0.6% | 100% | $325,000 | |
Loan Simple, Inc.
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Conventional, FHA | 2 | 0.6% | 100% | $255,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 2 | 0.6% | 100% | $280,000 | View |
Genisys Credit Union
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Conventional | 1 | 0.3% | 100% | $445,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 100% | $275,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.3% | 18.2% | $55,000 | |
Envoy Mortgage, Ltd
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FHA | 1 | 0.3% | 100% | $285,000 | |
AAA Capital Investment, Inc
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Conventional | 1 | 0.3% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 2.38% |
VA | 1 | 0.3% | 100% | $395,000 | View |
American Financial Network, Inc.
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FHA | 1 | 0.3% | 100% | $275,000 | |
Sun West Mortgage Company, Inc
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Conventional | 1 | 0.3% | 100% | $505,000 | |
Royal Pacific Funding
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Conventional | 1 | 0.3% | 100% | $375,000 | |
Bank Fund Staff Federal Credit
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Conventional | 1 | 0.3% | 100% | $385,000 | |
Union Home Mortgage Corp.
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VA | 1 | 0.3% | 100% | $715,000 | |
Linkbank
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Conventional | 1 | 0.3% | 100% | $75,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.3% | 100% | $425,000 | |
Highlands Residential Mortgage, Ltd.
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FHA | 1 | 0.3% | 100% | $455,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $225,000 | |
Peoples Mortgage Company
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VA | 1 | 0.3% | 100% | $685,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.3% | 100% | $245,000 | |
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A5.0 ★Texas Ratio: 6.31% |
Conventional | 1 | 0.3% | 50% | $85,000 | |
New Fed Mortgage Corp.
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VA | 1 | 0.3% | 100% | $535,000 | |
Keystone Funding, Inc
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FHA | 1 | 0.3% | 100% | $335,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.3% | 100% | $445,000 | |
New American Funding, LLC.
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FHA | 1 | 0.3% | 100% | $435,000 | |
The Loan Store, Inc
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VA | 1 | 0.3% | 100% | $415,000 | |
Mld Mortgage, Inc.Dba the Money Store
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VA | 1 | 0.3% | 100% | $485,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.3% | 100% | $385,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.3% | 50% | $255,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.3% | 100% | $375,000 | View |
Tammac Holdings Corporation
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Conventional | 1 | 0.3% | 100% | $105,000 | |
Village Capital & Investment
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VA | 1 | 0.3% | 100% | $485,000 | |
American Neighborhood Mortgage Acceptance Company
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FHA | 1 | 0.3% | 100% | $275,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.3% | 100% | $425,000 | |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Fourleaf Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | 100% | ||
FedChoice Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Falmouth 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 Falmouth, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Falmouth? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Falmouth in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Falmouth, VA
Use these to narrow the list above. Each category shows how many Falmouth, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Falmouth, VA
Independent mortgage companies closed 79.2 percent of home loans in Falmouth, Virginia in 2025, banks 9.1 percent and credit unions 11.6 percent. Atlantic Coast Mortgage, LLC was the largest mortgage company, The Freedom Bank of Virginia the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in Virginia, Navy Federal Credit Union led with 22 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 Falmouth, VA
By home loans closed in 2025, Navy Federal Credit Union was the largest mortgage lender in Falmouth, Virginia with 22 loans, about 6.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
33 lenders closed FHA loans in Falmouth, Virginia in 2025, led by United Wholesale Mortgage with 6. 31 lenders closed VA loans, led by United Wholesale Mortgage. 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. 23 banks and 13 credit unions closed home loans in Falmouth, Virginia in 2025, alongside 68 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 Falmouth, 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 Falmouth, 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 Falmouth. 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.
