Mortgage Lenders and Brokers in Free Union, Virginia
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Free Union, Virginia mortgage lenders include Uva Community Credit UnionUva Community Credit Union13701 US Highway 29 Ste I, Chatham, VA 24531A5.0 ★Texas Ratio: 7.25%, Fulton Bank, National AssociationFulton Bank, National Association95 Community St, Charlottesville, VA 22911A+5.0 ★Texas Ratio: 4.85%, 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%, Atlantic Union BankAtlantic Union Bank115 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 2.51%, Bank of America NABank of America NA42030 Village Center Plz, Aldie, VA 20105A+5.0 ★Texas Ratio: 4.14%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust950 N Glebe Rd, Arlington, VA 22203A5.0 ★Texas Ratio: 7.72%, Virginia Federal Credit UnionVirginia Federal Credit Union120 Seminole Ct, Charlottesville, VA 22901A5.0 ★Texas Ratio: 6.40%, Presidential Bank, FSBPresidential Bank, FSB1515 Wilson Blvd, Arlington, VA 22209A-4.9 ★Texas Ratio: 16.48%, and M&T BankM&T Bank7485 Richmond Highway, Alexandria, VA 22306A+5.0 ★Texas Ratio: 4.11%. 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 Free Union, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Free Union 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 Free Union, Virginia
Market share is the lender's share of all home loans closed in Free Union, 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 |
|---|---|---|---|---|---|---|
|
13701 US Highway 29 Ste I, Chatham, VA 24531 A5.0 ★Texas Ratio: 7.25% |
Conventional | 16 | 21.9% | 81% | $288,750 | View |
|
95 Community St, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 4.85% |
Conventional, Jumbo, HELOC | 5 +2 HELOCs |
6.8% | 100% | $993,000 | View |
|
7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, Jumbo, HELOC | 3 +1 HELOCs |
4.1% | 100% | $928,333 | |
|
106 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 3 | 4.1% | 100% | $701,666 | View |
|
115 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 2.51% |
Conventional, HELOC | 1 +3 HELOCs |
1.4% | 50% | $355,000 | View |
|
42030 Village Center Plz, Aldie, VA 20105 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
1.4% | 100% | $1,355,000 | View |
|
950 N Glebe Rd, Arlington, VA 22203 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 1 +1 HELOCs |
1.4% | 100% | $95,000 | View |
|
120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
FHA | 1 | 1.4% | 100% | $325,000 | View |
|
1515 Wilson Blvd, Arlington, VA 22209 A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 1.4% | 100% | $205,000 | View |
|
7485 Richmond Highway, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 1.4% | 100% | $605,000 | View |
|
★ 1 stars, 1 review 233 Wyndale Road, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
|
1700 Diagonal Rd, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
First Heritage Mortgage, LLC
|
Conventional | 3 | 4.1% | 100% | $575,000 | |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 2.7% | 100% | $705,000 | View |
Capital Center LLC
|
Conventional | 1 | 1.4% | 100% | $405,000 | |
Gray Fox Mortgage, LLC
|
Conventional | 1 | 1.4% | 100% | $545,000 | |
Atlantic Bay Mortgage Group
|
FHA | 1 | 1.4% | 100% | $525,000 | |
Prosperity Home Mortgage, LLC
|
Conventional | 1 | 1.4% | 100% | $545,000 | |
United Wholesale Mortgage
|
Conventional, FHA, VA | 6 | 8.2% | 100% | $371,666 | |
Cmg Mortgage Inc
|
Conventional, VA | 4 | 5.5% | 100% | $495,000 | |
Rocket Mortgage
|
Conventional | 2 | 2.7% | 100% | $125,000 | |
Nfm, Inc
|
Conventional, Jumbo | 2 | 2.7% | 100% | $705,000 | |
State Employees Credit Union of MD
|
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
1.4% | 100% | $855,000 | |
|
A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 1.4% | 100% | $75,000 | View |
Guaranteed Rate, Inc.
|
Conventional | 1 | 1.4% | 100% | $235,000 | |
Freedom Mortgage Corporation
|
VA | 1 | 1.4% | 100% | $515,000 | |
Newrez LLC
|
Conventional | 1 | 1.4% | 100% | $145,000 | |
|
A+5.0 ★Texas Ratio: 0.40% |
Conventional | 1 | 1.4% | 100% | $295,000 | View |
Guild Mortgage Company
|
Conventional | 1 | 1.4% | 100% | $495,000 | |
First State Bank of St Charles
|
Conventional | 1 | 1.4% | 100% | $465,000 | |
Union Home Mortgage Corp.
|
Conventional | 1 | 1.4% | 100% | $505,000 | |
|
A+5.0 ★Texas Ratio: 5.26% |
Conventional | 1 | 1.4% | 100% | $195,000 | View |
|
B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 1.4% | 100% | $355,000 | View |
Nationstar Mortgage
|
Conventional | 1 | 1.4% | 100% | $45,000 | |
Mutual of Omaha Mortgage
|
VA | 1 | 1.4% | 100% | $785,000 | |
Fairway Independent Mort Corp
|
Conventional | 1 | 1.4% | 100% | $475,000 | |
|
★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 1.4% | 100% | $715,000 | View |
United Nations Federal CU
|
Conventional, Jumbo | 1 | 1.4% | 100% | $1,025,000 | |
|
A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 1.4% | 100% | $155,000 | View |
Figure Lending LLC
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Tower Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A-4.8 ★Texas Ratio: 12.33% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Free Union 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 Free Union, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Free Union? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Free Union in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Free Union, VA
Use these to narrow the list above. Each category shows how many Free Union, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Free Union, VA
Independent mortgage companies closed 41.1 percent of home loans in Free Union, Virginia in 2025, banks 28.8 percent and credit unions 30.1 percent. First Heritage Mortgage, LLC was the largest mortgage company, Fulton Bank, National Association the largest bank and Uva Community Credit Union the largest credit union. Among lenders headquartered in Virginia, Uva Community Credit Union led with 16 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 Free Union, VA
By home loans closed in 2025, Uva Community Credit Union was the largest mortgage lender in Free Union, Virginia with 16 loans, about 21.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Free Union, Virginia in 2025, led by Virginia Federal Credit Union with 1. 6 lenders closed VA loans, led by Cmg Mortgage Inc. 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. 18 banks and 7 credit unions closed home loans in Free Union, Virginia in 2025, alongside 19 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 Free Union, 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 Free Union, 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 Free Union. 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.
