Mortgage Lenders and Brokers in Herndon, 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
Herndon, Virginia mortgage lenders include Northwest Federal Credit UnionNorthwest Federal Credit Union200 Spring St, Herndon, VA 20170A+5.0 ★Texas Ratio: 2.12%, Truist BankTruist Bank230 Herndon Pkwy, Herndon, VA 20170A+5.0 ★Texas Ratio: 2.87%, Bank of America NABank of America NA2555 Centreville Rd, Herndon, VA 20171A+5.0 ★Texas Ratio: 4.14%, M&T BankM&T Bank1025 Herndon Pkwy, Herndon, VA 20170A+5.0 ★Texas Ratio: 4.11%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2401 Centreville Rd, Herndon, VA 20171A+5.0 ★Texas Ratio: 3.68%, PNC Bank N.A.PNC Bank N.A.13490 Coppermine Rd, Herndon, VA 20171A+5.0 ★Texas Ratio: 4.24%, Atlantic Union BankAtlantic Union Bank13081 Worldgate Dr, Herndon, VA 20170A+5.0 ★Texas Ratio: 2.51%, Wells Fargo Bank NAWells Fargo Bank NA1099 Elden St, Herndon, VA 20170A+5.0 ★Texas Ratio: 5.36%, Fulton Bank, National AssociationFulton Bank, National Association625 Elden St, Herndon, VA 20170A+5.0 ★Texas Ratio: 4.85%, and TD BankTD Bank1264 Elden St, Herndon, VA 20170A+5.0 ★Texas Ratio: 3.71%. 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 Herndon, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Herndon 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 Herndon, Virginia
Market share is the lender's share of all home loans closed in Herndon, 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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200 Spring St, Herndon, VA 20170 A+5.0 ★Texas Ratio: 2.12% |
Conventional, HELOC | 8 +11 HELOCs |
2% | 100% | $218,750 | View |
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★ 1 stars, 1 review 2 offices in Herndon 230 Herndon Pkwy, Herndon, VA 20170 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 8 +8 HELOCs |
2% | 100% | $456,250 | View |
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2 offices in Herndon 2555 Centreville Rd, Herndon, VA 20171 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 3 +2 HELOCs |
0.8% | 75% | $351,666 | View |
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1 office in Herndon 1025 Herndon Pkwy, Herndon, VA 20170 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, HELOC | 2 +4 HELOCs |
0.5% | 100% | $255,000 | View |
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1 office in Herndon 2401 Centreville Rd, Herndon, VA 20171 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.5% | 100% | $555,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Herndon 13490 Coppermine Rd, Herndon, VA 20171 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +3 HELOCs |
0.3% | 100% | $445,000 | View |
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1 office in Herndon 13081 Worldgate Dr, Herndon, VA 20170 A+5.0 ★Texas Ratio: 2.51% |
Conventional | 1 | 0.3% | 100% | $465,000 | View |
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2 offices in Herndon 1099 Elden St, Herndon, VA 20170 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.3% | 50% | $735,000 | View |
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1 office in Herndon 625 Elden St, Herndon, VA 20170 A+5.0 ★Texas Ratio: 4.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1 office in Herndon 1264 Elden St, Herndon, VA 20170 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 15 +10 HELOCs |
3.8% | 71.4% | $271,000 | |
Apple Federal Credit Union
362 Elden St, Herndon, VA 20170 |
Conventional, HELOC | 10 +4 HELOCs |
2.5% | 66.7% | $221,000 | |
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4090 Lafayette Center Dr, Chantilly, VA 20151 C+4.2 ★Texas Ratio: 24.99% |
Conventional, VA | 6 | 1.5% | 100% | $630,000 | View |
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1900 Campus Commons Drive Suite 103, Reston, VA 20191 A-5.0 ★Texas Ratio: 15.49% |
Conventional | 3 | 0.8% | 100% | $545,000 | View |
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2879 Clarendon Boulevard, Arlington, VA 22201 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 3 | 0.8% | 100% | $608,333 | View |
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1700 Diagonal Rd, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 2 +2 HELOCs |
0.5% | 100% | $360,000 | View |
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10035 Sliding Hill Rd, Ashland, VA 23005 A+5.0 ★Texas Ratio: 1.60% |
Conventional, FHA | 2 | 0.5% | 100% | $690,000 | View |
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704 King Street, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $225,000 | View |
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3101 Wilson Blvd, Arlington, VA 22201 A+5.0 ★Texas Ratio: 3.45% |
Conventional | 1 | 0.3% | 100% | $585,000 | View |
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1515 Wilson Blvd, Arlington, VA 22209 A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 0.3% | 100% | $575,000 | View |
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13478 Carrollton Blvd Ste A, Carrollton, VA 23314 A5.0 ★Texas Ratio: 10.20% |
Conventional | 1 | 0.3% | 100% | $385,000 | View |
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446 Madison Trade Plz Se, Leesburg, VA 20175 A+5.0 ★Texas Ratio: 0.66% |
Conventional | 1 | 0.3% | 100% | $845,000 | View |
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640 Franklin St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.3% | 100% | $275,000 | View |
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7901 Richmond Hwy, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 2.15% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
First Heritage Mortgage, LLC
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Conventional, FHA, VA | 76 | 19.2% | 100% | $530,526 | |
Atlantic Coast Mortgage, LLC
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Conventional, FHA, VA | 14 | 3.5% | 100% | $485,714 | |
Intercoastal Mortgage, LLC
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Conventional, FHA, VA | 9 | 2.3% | 100% | $547,222 | |
Prosperity Home Mortgage, LLC
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Conventional, VA | 8 | 2% | 88.9% | $583,750 | |
First Savings Mortgage Corporation
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Conventional, VA | 4 | 1% | 80% | $445,000 | |
Vellum Mortgage, Inc.
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Conventional, FHA | 4 | 1% | 100% | $347,500 | |
Atlantic Bay Mortgage Group
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Conventional, VA | 3 | 0.8% | 100% | $388,333 | |
ALCOVA Mortgage, LLC
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Conventional, VA | 2 | 0.5% | 66.7% | $465,000 | |
Jams-01 Inc dba Home Savings & Trust Mortgage
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Conventional | 2 | 0.5% | 100% | $410,000 | |
Loansteady LLC
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Conventional | 1 | 0.3% | 100% | $1,035,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.3% | 100% | $375,000 | |
Credit Union Mortgage Associat
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Conventional | 1 | 0.3% | 100% | $485,000 | |
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A5.0 ★Texas Ratio: 8.63% |
Conventional | 1 | 0.3% | 50% | $595,000 | View |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 26 | 6.6% | 90.3% | $360,384 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 17 +1 HELOCs |
4.3% | 89.5% | $516,764 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 11 | 2.8% | 78.6% | $288,636 | |
Nfm, Inc
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Conventional | 9 | 2.3% | 100% | $576,111 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 9 | 2.3% | 90% | $672,777 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 8 | 2% | 100% | $537,500 | |
Newrez LLC
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Conventional, FHA | 7 | 1.8% | 58.3% | $329,285 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 5 +1 HELOCs |
1.3% | 100% | $329,000 | |
CrossCountry Mortgage, LLC
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Conventional | 5 | 1.3% | 100% | $571,000 | |
Cmg Mortgage Inc
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Conventional, VA | 5 | 1.3% | 83.3% | $611,000 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional | 4 | 1% | 100% | $635,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional, VA | 3 | 0.8% | 100% | $725,000 | |
Freedom Mortgage Corporation
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Conventional, VA | 3 | 0.8% | 75% | $535,000 | |
Guild Mortgage Company
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Conventional, FHA | 3 | 0.8% | 100% | $745,000 | |
Embrace Home Loans, Inc.
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Conventional, VA | 3 | 0.8% | 100% | $608,333 | |
Mortgage Research Center
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VA, Jumbo | 3 | 0.8% | 42.9% | $845,000 | |
Zillow Home Loans, LLC
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Conventional | 3 | 0.8% | 100% | $378,333 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 3 | 0.8% | 100% | $515,000 | View |
American Financial Network, Inc.
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FHA | 2 | 0.5% | 100% | $545,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional, FHA | 2 | 0.5% | 100% | $590,000 | View |
Nationstar Mortgage
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Conventional, FHA | 2 | 0.5% | 66.7% | $195,000 | |
Better Mortgage Corporation
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Conventional | 2 | 0.5% | 100% | $515,000 | |
Keystone Funding, Inc
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Conventional | 2 | 0.5% | 100% | $605,000 | |
The Loan Store, Inc
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Conventional, FHA | 2 | 0.5% | 100% | $360,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 2 | 0.5% | 66.7% | $575,000 | View |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 2 | 0.5% | 100% | $485,000 | View |
American Neighborhood Mortgage Acceptance Company
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Conventional | 2 | 0.5% | 100% | $565,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +3 HELOCs |
0.3% | 50% | $585,000 | View |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $205,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 1 +2 HELOCs |
0.3% | 16.7% | $55,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $515,000 | View |
Tower Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $75,000 | |
EMM Loans LLC
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Conventional | 1 | 0.3% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.3% | 100% | $285,000 | View |
SWBC Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $355,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.3% | 66.7% | $255,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.3% | 100% | $615,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.3% | 100% | $665,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 0.3% | 100% | $695,000 | |
Dart Bank
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Conventional | 1 | 0.3% | 100% | $475,000 | |
Filo Mortgage, LLC
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VA | 1 | 0.3% | 100% | $855,000 | |
State Employees Credit Union of MD
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Conventional | 1 | 0.3% | 100% | $965,000 | |
Amerisave Mortgage Company
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VA | 1 | 0.3% | 33.3% | $665,000 | |
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A+5.0 ★Texas Ratio: 0.65% |
Conventional | 1 | 0.3% | 100% | $645,000 | View |
Fidelity Direct Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $465,000 | |
First Home Mortgage
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Conventional | 1 | 0.3% | 100% | $485,000 | |
Acre Mortgage & Financial, Inc.
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Conventional | 1 | 0.3% | 100% | $465,000 | |
Plus Relocation Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $245,000 | |
Discover Bank
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Conventional | 1 | 0.3% | 25% | $75,000 | |
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A5.0 ★Texas Ratio: 11.24% |
Conventional | 1 | 0.3% | 100% | $325,000 | View |
Click n' Close, Inc.
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FHA | 1 | 0.3% | 100% | $285,000 | |
Federated Mortgage Corp
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Conventional | 1 | 0.3% | 100% | $645,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $495,000 | |
Bay Equity LLC
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Conventional | 1 | 0.3% | 100% | $565,000 | |
Weichert Financial Services
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Conventional | 1 | 0.3% | 50% | $545,000 | |
Calcon Mutual Mortgage LLC
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FHA | 1 | 0.3% | 100% | $355,000 | |
New Day Financial, LLC.
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VA | 1 | 0.3% | 100% | $765,000 | |
Encompass Lending Group, L.P.
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Conventional | 1 | 0.3% | 100% | $235,000 | |
Provident Funding Associates
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Conventional | 1 | 0.3% | 100% | $565,000 | |
T2 Financial LLC
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Conventional | 1 | 0.3% | 100% | $575,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.3% | 100% | $455,000 | |
New Story Lending LLC
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Conventional | 1 | 0.3% | 100% | $475,000 | |
Uif Corporation
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Conventional | 1 | 0.3% | 100% | $735,000 | |
Radius Financial Group Inc
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Conventional | 1 | 0.3% | 100% | $505,000 | |
Geo-Corp, Inc.
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FHA | 1 | 0.3% | 100% | $435,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.3% | 100% | $485,000 | |
Nations Direct Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $515,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.3% | 50% | $215,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.3% | 100% | $535,000 | |
Mld Mortgage, Inc.Dba the Money Store
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VA | 1 | 0.3% | 100% | $325,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.3% | 100% | $565,000 | View |
United Nations Federal CU
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Conventional | 1 | 0.3% | 100% | $525,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 100% | $85,000 | View |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.3% | 100% | $405,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.3% | 100% | $415,000 | |
Carrington Mortgage Services LLC
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VA | 1 | 0.3% | 14.3% | $645,000 | |
Geneva Financial LLC
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VA | 1 | 0.3% | 100% | $1,005,000 | |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.3% | 50% | $495,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $515,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
Bank Fund Staff Federal Credit
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Herndon 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 Herndon, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Herndon? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Herndon in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Herndon, VA
Use these to narrow the list above. Each category shows how many Herndon, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Herndon, VA
Independent mortgage companies closed 76.3 percent of home loans in Herndon, Virginia in 2025, banks 13.9 percent and credit unions 9.8 percent. First Heritage Mortgage, LLC was the largest mortgage company, Truist Bank the largest bank and Northwest Federal Credit Union the largest credit union. Among lenders headquartered in Virginia, Northwest Federal Credit Union led with 8 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 Herndon, VA
By home loans closed in 2025, Northwest Federal Credit Union was the largest mortgage lender in Herndon, Virginia with 8 loans, about 2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Herndon, Virginia, First Heritage Mortgage, LLC approved the highest share of completed applications in 2025 at 100 percent, against a 86.9 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.
25 lenders closed FHA loans in Herndon, Virginia in 2025, led by United Wholesale Mortgage with 5. 26 lenders closed VA loans, led by First Heritage Mortgage, LLC. 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. 33 banks and 11 credit unions closed home loans in Herndon, Virginia in 2025, alongside 76 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 Herndon, 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 Herndon, 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 Herndon. 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.
