Mortgage Lenders and Brokers in Grottoes, 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
Grottoes, Virginia mortgage lenders include Atlantic Union BankAtlantic Union Bank106 6th St, Grottoes, VA 24441A+5.0 ★Texas Ratio: 2.51%, Farmers & Merchants BankFarmers & Merchants Bank100 Plaza Dr, Bridgewater, VA 22812A+5.0 ★Texas Ratio: 3.40%, Dupont Community Credit UnionDupont Community Credit Union32 Windward Dr, Fishersville, VA 22939A+5.0 ★Texas Ratio: 1.68%, United Bank VaUnited Bank Va7901 Richmond Hwy, Alexandria, VA 22306A+5.0 ★Texas Ratio: 2.15%, CommonWealth One Federal Credit UnionCommonWealth One Federal Credit Union4875 Eisenhower Ave, Alexandria, VA 22304 4886A5.0 ★Texas Ratio: 10.04%, Virginia Federal Credit UnionVirginia Federal Credit Union120 Seminole Ct, Charlottesville, VA 22901A5.0 ★Texas Ratio: 6.40%, Pendleton Community BankPendleton Community Bank317 N Main St, Bridgewater, VA 22812A5.0 ★Texas Ratio: 9.24%, Uva Community Credit UnionUva Community Credit Union13701 US Highway 29 Ste I, Chatham, VA 24531A5.0 ★Texas Ratio: 7.25%, Truist BankTruist Bank233 Wyndale Road, Abingdon, VA 24210A+5.0 ★Texas Ratio: 2.87%, and Pioneer BankPioneer Bank630 Peter Jefferson Pkwy, Charlottesville, VA 22911A+5.0 ★Texas Ratio: 0.19%. 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 Grottoes, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Grottoes 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 Grottoes, Virginia
Market share is the lender's share of all home loans closed in Grottoes, 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 office in Grottoes 106 6th St, Grottoes, VA 24441 A+5.0 ★Texas Ratio: 2.51% |
HELOC | 0 +8 HELOCs |
0% | 0% | View | |
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100 Plaza Dr, Bridgewater, VA 22812 A+5.0 ★Texas Ratio: 3.40% |
Conventional, FHA | 17 | 14.2% | 89.5% | $240,882 | View |
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32 Windward Dr, Fishersville, VA 22939 A+5.0 ★Texas Ratio: 1.68% |
Conventional, HELOC | 7 +24 HELOCs |
5.8% | 87.5% | $229,285 | View |
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7901 Richmond Hwy, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 2.15% |
Conventional, HELOC | 2 +1 HELOCs |
1.7% | 100% | $110,000 | View |
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4875 Eisenhower Ave, Alexandria, VA 22304 4886 A5.0 ★Texas Ratio: 10.04% |
Conventional | 2 | 1.7% | 100% | $50,000 | View |
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120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional, FHA | 2 | 1.7% | 100% | $175,000 | View |
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317 N Main St, Bridgewater, VA 22812 A5.0 ★Texas Ratio: 9.24% |
Conventional | 2 | 1.7% | 100% | $415,000 | View |
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13701 US Highway 29 Ste I, Chatham, VA 24531 A5.0 ★Texas Ratio: 7.25% |
Conventional | 2 | 1.7% | 100% | $320,000 | View |
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★ 1 stars, 1 review 233 Wyndale Road, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +5 HELOCs |
0.8% | 50% | $195,000 | View |
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★ 5 stars, 1 review 630 Peter Jefferson Pkwy, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 0.19% |
Conventional | 1 | 0.8% | 100% | $175,000 | View |
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★ 1.7 stars, 3 reviews 3131 Duke St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 0.8% | 100% | $545,000 | View |
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210 Virginia Ave, Bridgewater, VA 22812 A+5.0 ★Texas Ratio: 0.34% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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950 N Glebe Rd, Arlington, VA 22203 A5.0 ★Texas Ratio: 7.72% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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933 E Main St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 3.79% |
HELOC | 0 +1 HELOCs |
0% | 100% | View | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 8 | 6.7% | 100% | $205,000 | View |
ALCOVA Mortgage, LLC
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Conventional | 6 | 5% | 100% | $263,333 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 4 | 3.3% | 100% | $180,000 | |
Farm Credit of the Virginias, ACA
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Conventional | 3 | 2.5% | 75% | $148,333 | |
Atlantic Coast Mortgage, LLC
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Conventional, FHA | 2 | 1.7% | 100% | $300,000 | |
Vellum Mortgage, Inc.
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Conventional | 2 | 1.7% | 100% | $440,000 | |
Integrity Home Mortgage Corporation
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FHA, VA | 2 | 1.7% | 100% | $335,000 | |
Capital Center LLC
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Conventional | 1 | 0.8% | 100% | $165,000 | |
Jams-01 Inc dba Home Savings & Trust Mortgage
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USDA | 1 | 0.8% | 100% | $265,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 11 | 9.2% | 91.7% | $197,727 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, FHA, VA | 7 | 5.8% | 100% | $239,285 | View |
United Wholesale Mortgage
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FHA, VA | 5 | 4.2% | 62.5% | $305,000 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 4 | 3.3% | 100% | $310,000 | |
Nationstar Mortgage
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Conventional | 3 | 2.5% | 100% | $48,333 | |
loanDepot.com LLC
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FHA, VA | 2 | 1.7% | 100% | $375,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 1.7% | 100% | $65,000 | |
Merck Employees FCU
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Conventional | 2 | 1.7% | 100% | $80,000 | |
Waterstone Mortgage Corporation
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Conventional | 2 | 1.7% | 100% | $185,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 1.7% | 12.5% | $80,000 | |
Genisys Credit Union
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Conventional | 1 | 0.8% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 3.36% |
USDA | 1 | 0.8% | 100% | $265,000 | View |
Everett Financial, Inc.
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USDA | 1 | 0.8% | 100% | $285,000 | |
Newrez LLC
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FHA | 1 | 0.8% | 50% | $325,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.8% | 100% | $185,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.8% | 66.7% | $65,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.8% | 100% | $25,000 | |
Discover Bank
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Conventional | 1 | 0.8% | 50% | $55,000 | |
Union Home Mortgage Corp.
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FHA | 1 | 0.8% | 100% | $335,000 | |
Mortgage Research Center
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VA | 1 | 0.8% | 50% | $405,000 | |
Lower, LLC
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Conventional | 1 | 0.8% | 50% | $225,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.8% | 100% | $285,000 | View |
21St Mortgage
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Conventional | 1 | 0.8% | 50% | $105,000 | |
Village Capital & Investment
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FHA | 1 | 0.8% | 100% | $375,000 | |
Guaranteed Rate, Inc.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Grottoes 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 Grottoes, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Grottoes? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Grottoes in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Grottoes, VA
Use these to narrow the list above. Each category shows how many Grottoes, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Grottoes, VA
Independent mortgage companies closed 55.8 percent of home loans in Grottoes, Virginia in 2025, banks 30.8 percent and credit unions 13.3 percent. ALCOVA Mortgage, LLC was the largest mortgage company, Atlantic Union Bank the largest bank and Dupont Community Credit Union the largest credit union. Among lenders headquartered in Virginia, Atlantic Union Bank led with 0 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 Grottoes, VA
By home loans closed in 2025, Atlantic Union Bank was the largest mortgage lender in Grottoes, Virginia with 0 loans, about 0 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
14 lenders closed FHA loans in Grottoes, Virginia in 2025, led by Farmers & Merchants Bank with 7. 8 lenders closed VA loans, led by Freedom Mortgage Corporation, and 3 closed USDA rural loans. 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. 14 banks and 7 credit unions closed home loans in Grottoes, Virginia in 2025, alongside 28 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 Grottoes, 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 Grottoes, 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 Grottoes. 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.
