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Mortgage Lenders and Brokers in Gainesville, Virginia

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Gainesville, Virginia mortgage lenders include Truist BankTruist Bank7681 Linton Hall Rd, Gainesville, VA 20155A+5.0 ★Texas Ratio: 2.87%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA8170 Stonewall Shops Sq, Gainesville, VA 20155A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA7591 Somerset Crossing Dr, Gainesville, VA 20155A+5.0 ★Texas Ratio: 5.36%, Atlantic Union BankAtlantic Union Bank8190 Stonewall Shops Sq, Gainesville, VA 20155A+5.0 ★Texas Ratio: 2.51%, Bank of America NABank of America NA14752 Lee Hwy, Gainesville, VA 20155A+5.0 ★Texas Ratio: 4.14%, PNC Bank N.A.PNC Bank N.A.7575 Linton Hall Rd, Gainesville, VA 20155A+5.0 ★Texas Ratio: 4.24%, Navy Federal Credit UnionNavy Federal Credit Union7925 Stonewall Shops Sq, Gainesville, VA 20155A5.0 ★Texas Ratio: 8.14%, M&T BankM&T Bank7485 Richmond Highway, Alexandria, VA 22306A+5.0 ★Texas Ratio: 4.11%, Apple Federal Credit UnionApple Federal Credit Union14385 McGraws Corner Drive, Gainesville, VA 22155, and Northwest Federal Credit UnionNorthwest Federal Credit Union7500 Webb Dr, Gainesville, VA 20155A+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 Gainesville, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Gainesville 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 Gainesville, Virginia

Market share is the lender's share of all home loans closed in Gainesville, 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
Truist Bank ★ 1 stars, 1 review 1 office in Gainesville 7681 Linton Hall Rd, Gainesville, VA 20155 A+5.0 ★Texas Ratio: 2.87%	Conventional, VA, Jumbo, HELOC	8 +16 HELOCs	1.2%	72.7%	$693,750	View
JPMorgan Chase Bank, NA 1 office in Gainesville 8170 Stonewall Shops Sq, Gainesville, VA 20155 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	5	0.7%	100%	$603,000	View
Wells Fargo Bank NA 1 office in Gainesville 7591 Somerset Crossing Dr, Gainesville, VA 20155 A+5.0 ★Texas Ratio: 5.36%	Conventional	3	0.4%	75%	$388,333	View
Atlantic Union Bank 1 office in Gainesville 8190 Stonewall Shops Sq, Gainesville, VA 20155 A+5.0 ★Texas Ratio: 2.51%	VA, HELOC	1 +8 HELOCs	0.1%	100%	$965,000	View
Bank of America NA 1 office in Gainesville 14752 Lee Hwy, Gainesville, VA 20155 A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +19 HELOCs	0%	n/a		View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Gainesville 7575 Linton Hall Rd, Gainesville, VA 20155 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +14 HELOCs	0%	n/a		View
Navy Federal Credit Union 7925 Stonewall Shops Sq, Gainesville, VA 20155 A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	42 +33 HELOCs	6.3%	89.6%	$367,857
M&T Bank 7485 Richmond Highway, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 4.11%	Conventional, VA, HELOC	6 +2 HELOCs	0.9%	85.7%	$585,000	View
Apple Federal Credit Union 14385 McGraws Corner Drive, Gainesville, VA 22155	Conventional, HELOC	5 +19 HELOCs	0.7%	83.3%	$231,000
Northwest Federal Credit Union 7500 Webb Dr, Gainesville, VA 20155 A+5.0 ★Texas Ratio: 2.12%	Conventional, HELOC	4 +11 HELOCs	0.6%	62.5%	$260,000	View
First National Bank of PA 704 King Street, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 1.62%	Conventional, HELOC	4 +4 HELOCs	0.6%	80%	$520,000	View
Fulton Bank, National Association 95 Community St, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 4.85%	Conventional, Jumbo, HELOC	3 +2 HELOCs	0.4%	100%	$1,318,333	View
Presidential Bank, FSB 1515 Wilson Blvd, Arlington, VA 22209 A-4.9 ★Texas Ratio: 16.48%	Conventional	3	0.4%	100%	$605,000	View
Langley Federal Credit Union 13478 Carrollton Blvd Ste A, Carrollton, VA 23314 A5.0 ★Texas Ratio: 10.20%	Conventional, HELOC	2 +1 HELOCs	0.3%	66.7%	$500,000	View
Abnb Federal Credit Union 1109 Cedar Rd, Chesapeake, VA 23322 7198 A+5.0 ★Texas Ratio: 5.45%	Conventional	2	0.3%	100%	$860,000	View
First Ciitizens Bank and Trust 950 N Glebe Rd, Arlington, VA 22203 A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo	2	0.3%	100%	$875,000	View
Woori America Bank 4231 Markham Street Units Fandg, Annandale, VA 22003 A5.0 ★Texas Ratio: 11.01%	Conventional	2	0.3%	100%	$425,000	View
Citizens Bank, NA 1700 Diagonal Rd, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo, HELOC	1 +10 HELOCs	0.1%	100%	$1,315,000	View
CommonWealth One Federal Credit Union 4875 Eisenhower Ave, Alexandria, VA 22304 4886 A5.0 ★Texas Ratio: 10.04%	Conventional	1	0.1%	100%	$125,000	View
Signature Federal Credit Union 12 HERBERT ST, Alexandria, VA 22305 A5.0 ★Texas Ratio: 10.99%	Conventional	1	0.1%	100%	$215,000	View
Capital Bank, N.A. 1900 Campus Commons Drive Suite 103, Reston, VA 20191 A-5.0 ★Texas Ratio: 15.49%	Conventional	1	0.1%	100%	$1,075,000	View
The Freedom Bank of Virginia 4090 Lafayette Center Dr, Chantilly, VA 20151 C+4.2 ★Texas Ratio: 24.99%	Conventional	1	0.1%	100%	$515,000	View
Armed Forces Bank, N.A. 108 Mcnair Rd, Fort Myer, VA 22211 A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	100%	$405,000	View
TowneBank 10035 Sliding Hill Rd, Ashland, VA 23005 A+5.0 ★Texas Ratio: 1.60%	Conventional	1	0.1%	100%	$495,000	View
TD Bank 6566 Little River Tpke, Alexandria, VA 22312 A+5.0 ★Texas Ratio: 3.71%	HELOC	0 +2 HELOCs	0%	0%		View
Virginia Federal Credit Union 120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40%	HELOC	0 +1 HELOCs	0%	n/a		View
Justice Federal Credit Union 600 Army Navy Dr, Arlington, VA 22202 4200 A5.0 ★Texas Ratio: 7.57%	HELOC	0 +1 HELOCs	0%	n/a		View
Atlantic Coast Mortgage, LLC	Conventional, FHA, VA	36	5.4%	97.5%	$581,944
Prosperity Home Mortgage, LLC	Conventional, VA	15	2.2%	93.8%	$537,000
Intercoastal Mortgage, LLC	Conventional, VA, Jumbo	12	1.8%	100%	$592,500
ALCOVA Mortgage, LLC	Conventional, VA	4	0.6%	100%	$772,500
Vellum Mortgage, Inc.	Conventional, VA	4	0.6%	100%	$677,500
First Savings Mortgage Corporation	Conventional	3	0.4%	75%	$565,000
First Heritage Mortgage, LLC	Conventional, VA	3	0.4%	100%	$815,000
Tidewater Mortgage Services, Inc	Conventional	2	0.3%	100%	$705,000
Congressional Federal Credit Union A5.0 ★Texas Ratio: 8.63%	Conventional	2	0.3%	100%	$205,000	View
Gray Fox Mortgage, LLC	Conventional	2	0.3%	100%	$460,000
Atlantic Bay Mortgage Group	VA	2	0.3%	100%	$815,000
Integrity Home Mortgage Corporation	VA	2	0.3%	100%	$885,000
Jams-01 Inc dba Home Savings & Trust Mortgage	Conventional, FHA	2	0.3%	100%	$540,000
C&F Mortgage Corporation A+5.0 ★Texas Ratio: 4.11%	VA	1	0.1%	100%	$935,000	View
City Lending Inc.	Conventional	1	0.1%	100%	$515,000
Archer Mortgage LLC	VA	1	0.1%	100%	$375,000
Strong Home Mortgage, LLC	Conventional	1	0.1%	100%	$655,000
Aurora Financial, LLC	Conventional	1	0.1%	100%	$395,000
Capital Center LLC	Conventional	1	0.1%	100%	$555,000
CityWorth Mortgage LLC	FHA	1	0.1%	100%	$565,000
Call Federal	Conventional	1	0.1%	100%	$105,000
Rocket Mortgage	Conventional, FHA, VA, Jumbo	89	13.3%	95.9%	$425,000
loanDepot.com LLC	Conventional, FHA, VA	45	6.7%	91.8%	$392,555
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	39 +2 HELOCs	5.8%	95.3%	$598,076
Pennymac Loan Services LLC	Conventional, FHA, VA	22	3.3%	79.3%	$273,181
Cmg Mortgage Inc	Conventional, FHA, VA	14	2.1%	100%	$601,428
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo	13	1.9%	86.7%	$598,846
Guaranteed Rate, Inc.	Conventional, VA, HELOC	12 +4 HELOCs	1.8%	92.3%	$708,333
Newrez LLC	Conventional, FHA, VA	12	1.8%	80%	$363,333
Movement Mortgage, LLC A+5.0 ★Texas Ratio: 0.40%	Conventional, FHA	12	1.8%	100%	$557,500	View
Mortgage Research Center	VA, Jumbo	11	1.6%	100%	$793,181
Freedom Mortgage Corporation	FHA, VA	9	1.3%	76.5%	$686,111
Nationstar Mortgage	Conventional	8	1.2%	88.9%	$472,500
Nfm, Inc	Conventional, VA	7	1%	100%	$595,000
Guaranteed Rate Affinity, LLC	Conventional, VA	6	0.9%	100%	$665,000
Guild Mortgage Company	Conventional, FHA, VA, Jumbo	6	0.9%	100%	$671,666
DHI Mortgage Company, LTD.	Conventional, VA, Jumbo	6	0.9%	85.7%	$1,191,666
United Nations Federal CU	Conventional, Jumbo	6	0.9%	85.7%	$826,666
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, VA	6	0.9%	100%	$263,333	View
Paramount Residential Mortgage	Conventional	6	0.9%	100%	$651,666
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional, VA	6	0.9%	100%	$481,666	View
Spring Eq, LLC	Conventional, HELOC	5 +2 HELOCs	0.7%	41.7%	$117,000
Instamortgage, Inc	Conventional, FHA, VA	5	0.7%	100%	$611,000
Provident Funding Associates	Conventional	5	0.7%	100%	$627,000
Zillow Home Loans, LLC	Conventional, FHA	5	0.7%	100%	$633,000
Fairway Independent Mort Corp	Conventional, FHA	5	0.7%	71.4%	$479,000
Pentagon Federal Credit Union	Conventional, VA, HELOC	4 +12 HELOCs	0.6%	80%	$615,000
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, VA, HELOC	4 +2 HELOCs	0.6%	57.1%	$362,500	View
Sun West Mortgage Company, Inc	Conventional, VA	4	0.6%	100%	$520,000
Nations Direct Mortgage, LLC	Conventional	4	0.6%	80%	$607,500
American Portfolio Mortgage Corporation	Conventional, VA, Jumbo	3	0.4%	75%	$1,081,666
Gold Star Mortgage Financial Group, Corporation	Conventional, VA	3	0.4%	100%	$725,000
Lakeview Loan Servicing, LLC	Conventional	3	0.4%	23.1%	$65,000
Sage Home Loans Corporation	Conventional	3	0.4%	100%	$618,333
Dart Bank	Conventional	3	0.4%	100%	$555,000
Churchill Mortgage Corporation	Conventional, VA	3	0.4%	100%	$321,666
Embrace Home Loans, Inc.	Conventional, VA, Jumbo	3	0.4%	100%	$971,666
Lower, LLC	Conventional, HELOC	2 +1 HELOCs	0.3%	100%	$495,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.3%	100%	$490,000	View
SWBC Mortgage Corporation	Conventional	2	0.3%	100%	$955,000
PHH Mortgage Corporation	Conventional	2	0.3%	100%	$260,000
Deephaven Mortgage LLC	Conventional, Jumbo	2	0.3%	66.7%	$955,000
Amerisave Mortgage Company	Conventional, FHA	2	0.3%	42.9%	$340,000
First Home Mortgage	Conventional, VA	2	0.3%	100%	$430,000
AmWest Funding Corp	Conventional	2	0.3%	100%	$275,000
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional	2	0.3%	66.7%	$520,000	View
Discover Bank	Conventional	2	0.3%	20%	$160,000
Bank Fund Staff Federal Credit	Conventional	2	0.3%	100%	$515,000
Bay Equity LLC	FHA, VA	2	0.3%	100%	$730,000
Planet Home Lending, LLC	Conventional, VA	2	0.3%	100%	$490,000
Mutual of Omaha Mortgage	Conventional, VA	2	0.3%	100%	$400,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	2	0.3%	100%	$640,000	View
Village Capital & Investment	VA, Jumbo	2	0.3%	75%	$900,000
Alliant Credit Union	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$175,000
Educational Systems FCU	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$515,000
State Employees Credit Union of MD	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$935,000
Better Mortgage Corporation	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$85,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$705,000	View
Angel Oak Mortgage Solutions LLC	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$685,000
State Employees' Credit Union	Conventional	1	0.1%	100%	$505,000
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 3.36%	FHA	1	0.1%	100%	$445,000	View
Devon Bank B+4.0 ★Texas Ratio: 2.09%	Conventional	1	0.1%	100%	$835,000	View
Liberty Federal Credit Union	Conventional	1	0.1%	100%	$125,000
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0.1%	100%	$555,000	View
Goodleap, LLC	VA	1	0.1%	50%	$395,000
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	Conventional	1	0.1%	100%	$365,000	View
Envoy Mortgage, Ltd	Conventional	1	0.1%	100%	$705,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$635,000
Equity Prime Mortgage LLC	VA	1	0.1%	50%	$755,000
Kind Lending, LLC	Conventional	1	0.1%	33.3%	$545,000
Usalliance Federal Credit Union	Conventional	1	0.1%	100%	$105,000
Fidelity Direct Mortgage, LLC	Conventional	1	0.1%	100%	$255,000
Valon Mortgage	Conventional	1	0.1%	100%	$535,000
Network Capital Funding Corporation	Conventional	1	0.1%	25%	$475,000
American Financing Corporation	Conventional	1	0.1%	50%	$105,000
Union Home Mortgage Corp.	Conventional	1	0.1%	100%	$645,000
Linkbank	Conventional	1	0.1%	100%	$295,000
First Colony Mortgage Corporat	Conventional	1	0.1%	100%	$415,000
Service Federal Credit Union	Conventional	1	0.1%	100%	$555,000
Shoreham Bank	FHA	1	0.1%	100%	$25,000
First Heritage Financial LLC	FHA	1	0.1%	100%	$375,000
T2 Financial LLC	Conventional	1	0.1%	100%	$455,000
Mortgage Equity Partners LLC	Conventional	1	0.1%	50%	$405,000
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	100%	$505,000
Nasa Federal Credit Union	Conventional	1	0.1%	100%	$305,000
Emet Lending Group, Inc.	Conventional	1	0.1%	100%	$495,000
Citadel Servicing Corporation	Conventional, Jumbo	1	0.1%	100%	$1,275,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0.1%	100%	$655,000	View
Summit Funding.Inc	Conventional	1	0.1%	100%	$595,000
New American Funding, LLC.	Conventional	1	0.1%	50%	$55,000
The Loan Store, Inc	Conventional	1	0.1%	100%	$455,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	1	0.1%	100%	$515,000	View
Reliance First Capital, LLC	Conventional	1	0.1%	100%	$325,000
Plaza Home Mortgage, Inc	Conventional	1	0.1%	100%	$655,000
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$785,000
American Neighborhood Mortgage Acceptance Company	Conventional	1	0.1%	100%	$465,000
Tower Federal Credit Union	HELOC	0 +8 HELOCs	0%	0%
Figure Lending LLC	HELOC	0 +6 HELOCs	0%	n/a
Lafayette Federal Credit Union	HELOC	0 +5 HELOCs	0%	n/a
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +4 HELOCs	0%	0%		View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +3 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +1 HELOCs	0%	n/a
Clearview Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
FedChoice Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Gainesville Mortgage Rate Trends

Daily average mortgage rates for Virginia compared with the national average, updated every evening.

30-Year Fixed VA Avg

7.501%

▲ 0.110 vs 7 days ago

15-Year Fixed VA Avg

6.940%

▲ 0.085 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Gainesville, Virginia

Looking for mortgage lenders near me or mortgage brokers near me in Gainesville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Gainesville in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Gainesville, VA

Use these to narrow the list above. Each category shows how many Gainesville, VA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 88 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 37 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 27 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 21 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 47 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 17 lenders. Loans above the conforming limit for higher priced homes Local lenders based in VA 33 lenders headquartered in Virginia, the closest thing to a mortgage lender near you

Who Lends in Gainesville, VA

Independent mortgage companies closed 76.6 percent of home loans in Gainesville, Virginia in 2025, banks 11.4 percent and credit unions 12 percent. Atlantic Coast 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, Atlantic Union Bank led with 1 loans.

76.6%

Mortgage companies

11.4%

Banks

12%

Credit unions

FHA loans

16%

VA 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

All Virginia lenders 802 lenders Virginia Beach 307 lenders Chesapeake 236 lenders Norfolk 216 lenders Richmond 254 lenders Newport News 193 lenders Hampton 185 lenders Suffolk 178 lenders Arlington 238 lenders Portsmouth 176 lenders Alexandria 227 lenders Roanoke 164 lenders Lynchburg 161 lenders

Frequently Asked Questions About Mortgage Lenders in Gainesville, VA

Who is the largest mortgage lender in Gainesville, VA?

By home loans closed in 2025, Truist Bank was the largest mortgage lender in Gainesville, Virginia with 8 loans, about 1.2 percent of the market. The largest lender headquartered in Virginia was Atlantic Union Bank with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Gainesville, VA have the highest approval rates?

Among lenders with meaningful volume in Gainesville, Virginia, Rocket Mortgage approved the highest share of completed applications in 2025 at 95.9 percent, against a 87.2 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Gainesville, VA mortgage lenders offer FHA, VA and USDA loans?

21 lenders closed FHA loans in Gainesville, Virginia in 2025, led by Rocket Mortgage with 5. 47 lenders closed VA loans, led by Rocket 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.

Are credit unions and local banks included in this Gainesville, VA lender list?

Yes. 37 banks and 27 credit unions closed home loans in Gainesville, Virginia in 2025, alongside 88 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.

How are mortgage lenders in Gainesville, VA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Gainesville, 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 Gainesville, 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 Gainesville. 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.