Mortgage Lenders and Brokers in Kilmarnock, 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
Kilmarnock, Virginia mortgage lenders include Chesapeake BankChesapeake Bank35 School St, Kilmarnock, VA 22482A+5.0 ★Texas Ratio: 1.45%, Atlantic Union BankAtlantic Union Bank284 N Main St, Kilmarnock, VA 22482A+5.0 ★Texas Ratio: 2.51%, Blue Ridge BankBlue Ridge Bank100 S Main St, Kilmarnock, VA 22482A5.0 ★Texas Ratio: 8.11%, Primis BankPrimis Bank437 N Main St, Kilmarnock, VA 22482A5.0 ★Texas Ratio: 13.21%, United Bank VaUnited Bank Va7901 Richmond Hwy, Alexandria, VA 22306A+5.0 ★Texas Ratio: 2.15%, Truist BankTruist Bank233 Wyndale Road, Abingdon, VA 24210A+5.0 ★Texas Ratio: 2.87%, Virginia Federal Credit UnionVirginia Federal Credit Union120 Seminole Ct, Charlottesville, VA 22901A5.0 ★Texas Ratio: 6.40%, TowneBankTowneBank10035 Sliding Hill Rd, Ashland, VA 23005A+5.0 ★Texas Ratio: 1.60%, Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA 22306A5.0 ★Texas Ratio: 8.14%, and Freedom First Federal Credit UnionFreedom First Federal Credit Union1204 S Main St, Blacksburg, VA 24060 5546A+5.0 ★Texas Ratio: 3.69%. 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 Kilmarnock, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Kilmarnock 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 Kilmarnock, Virginia
Market share is the lender's share of all home loans closed in Kilmarnock, 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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35 School St, Kilmarnock, VA 22482 A+5.0 ★Texas Ratio: 1.45% |
Conventional, Jumbo | 10 | 5.4% | 76.5% | $264,000 | View |
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1 office in Kilmarnock 284 N Main St, Kilmarnock, VA 22482 A+5.0 ★Texas Ratio: 2.51% |
Conventional, HELOC | 3 +5 HELOCs |
1.6% | 100% | $211,666 | View |
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1 office in Kilmarnock 100 S Main St, Kilmarnock, VA 22482 A5.0 ★Texas Ratio: 8.11% |
Conventional | 1 | 0.5% | 100% | $275,000 | View |
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437 N Main St, Kilmarnock, VA 22482 A5.0 ★Texas Ratio: 13.21% |
Conventional | 11 | 5.9% | 91.7% | $108,636 | View |
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7901 Richmond Hwy, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 2.15% |
Conventional, Jumbo, HELOC | 5 +1 HELOCs |
2.7% | 100% | $613,000 | View |
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★ 1 stars, 1 review 233 Wyndale Road, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 3 +2 HELOCs |
1.6% | 100% | $321,666 | View |
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120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional, Jumbo | 3 | 1.6% | 100% | $541,666 | View |
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10035 Sliding Hill Rd, Ashland, VA 23005 A+5.0 ★Texas Ratio: 1.60% |
Conventional, FHA, Jumbo | 3 | 1.6% | 100% | $875,000 | View |
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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
VA, HELOC | 2 +1 HELOCs |
1.1% | 66.7% | $325,000 | |
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1204 S Main St, Blacksburg, VA 24060 5546 A+5.0 ★Texas Ratio: 3.69% |
Conventional | 2 | 1.1% | 100% | $325,000 | View |
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42030 Village Center Plz, Aldie, VA 20105 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $405,000 | View |
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95 Community St, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 4.85% |
Conventional | 1 | 0.5% | 100% | $425,000 | View |
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13701 US Highway 29 Ste I, Chatham, VA 24531 A5.0 ★Texas Ratio: 7.25% |
Conventional | 1 | 0.5% | 50% | $45,000 | View |
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332 Cummings St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 5.36% |
FHA | 1 | 0.5% | 100% | $185,000 | View |
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933 E Main St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 3.79% |
Conventional | 1 | 0.5% | 100% | $805,000 | View |
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2879 Clarendon Boulevard, Arlington, VA 22201 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.5% | 100% | $425,000 | View |
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13478 Carrollton Blvd Ste A, Carrollton, VA 23314 A5.0 ★Texas Ratio: 10.20% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Apple Federal Credit Union
7696F Richmond Hwy, Alexandria, VA 22306 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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704 King Street, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 1.62% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 5 | 2.7% | 100% | $319,000 | View |
First Heritage Mortgage, LLC
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Conventional, FHA | 5 | 2.7% | 100% | $283,000 | |
M2B Mortgage LLC
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Conventional | 3 | 1.6% | 100% | $321,666 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, USDA, Jumbo | 3 | 1.6% | 100% | $515,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 3 | 1.6% | 100% | $255,000 | |
Capital Center LLC
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Conventional | 2 | 1.1% | 100% | $490,000 | |
Call Federal
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $805,000 | |
Tidewater Mortgage Services, Inc
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Conventional | 1 | 0.5% | 100% | $445,000 | |
Atlantic Coast Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $455,000 | |
ALCOVA Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $335,000 | |
1St Advantage Federal Credit U
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Conventional | 1 | 0.5% | 100% | $105,000 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA, USDA | 18 | 9.7% | 78.3% | $250,000 | |
Nvr Mortgage Finance, Inc.
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Conventional, FHA, VA, USDA | 14 | 7.5% | 93.3% | $245,714 | |
Rocket Mortgage
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Conventional, FHA, VA | 12 | 6.5% | 70.6% | $350,000 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, FHA | 9 | 4.8% | 100% | $197,222 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 4 | 2.2% | 100% | $315,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 4 | 2.2% | 100% | $190,000 | |
Calcon Mutual Mortgage LLC
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Conventional, FHA, VA | 4 | 2.2% | 71.4% | $292,500 | |
CrossCountry Mortgage, LLC
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FHA | 3 | 1.6% | 100% | $455,000 | |
loanDepot.com LLC
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Conventional | 3 | 1.6% | 100% | $138,333 | |
Cmg Mortgage Inc
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Conventional, VA, Jumbo | 3 | 1.6% | 100% | $648,333 | |
First Home Mortgage
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FHA, VA | 2 | 1.1% | 100% | $400,000 | |
Waterstone Mortgage Corporation
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Conventional | 2 | 1.1% | 100% | $360,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.1% | 100% | $135,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 1.1% | 66.7% | $390,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 1.1% | 40% | $135,000 | |
Pentagon Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $145,000 | |
State Employees' Credit Union
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Conventional | 1 | 0.5% | 100% | $745,000 | |
EMM Loans LLC
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Conventional | 1 | 0.5% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.5% | 50% | $315,000 | View |
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A+5.0 ★Texas Ratio: 3.36% |
VA | 1 | 0.5% | 100% | $185,000 | View |
American Financial Resources LLC
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FHA | 1 | 0.5% | 100% | $265,000 | |
Primelending
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Conventional | 1 | 0.5% | 100% | $395,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.5% | 100% | $85,000 | |
Newrez LLC
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VA | 1 | 0.5% | 100% | $495,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $805,000 | |
Tower Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $475,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.5% | 50% | $485,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.5% | 50% | $325,000 | |
ClearPath Lending
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VA | 1 | 0.5% | 100% | $685,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.5% | 50% | $55,000 | View |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.5% | 100% | $505,000 | |
Mortgage Research Center
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Conventional | 1 | 0.5% | 66.7% | $395,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.5% | 100% | $635,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.5% | 100% | $655,000 | View |
New American Funding, LLC.
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FHA | 1 | 0.5% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.5% | 100% | $45,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.5% | 50% | $555,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.5% | 50% | $775,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.5% | 50% | $55,000 | |
Reliance First Capital, LLC
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Conventional | 1 | 0.5% | 100% | $115,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.5% | 100% | $725,000 | |
American Neighborhood Mortgage Acceptance Company
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FHA | 1 | 0.5% | 100% | $385,000 | |
Alliant Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a |
Kilmarnock 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 Kilmarnock, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Kilmarnock? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Kilmarnock in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Kilmarnock, VA
Use these to narrow the list above. Each category shows how many Kilmarnock, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Kilmarnock, VA
Independent mortgage companies closed 64 percent of home loans in Kilmarnock, Virginia in 2025, banks 29 percent and credit unions 7 percent. First Heritage Mortgage, LLC was the largest mortgage company, Chesapeake Bank the largest bank and Virginia Federal Credit Union the largest credit union. Among lenders headquartered in Virginia, Chesapeake Bank led with 10 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 Kilmarnock, VA
By home loans closed in 2025, Chesapeake Bank was the largest mortgage lender in Kilmarnock, Virginia with 10 loans, about 5.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
18 lenders closed FHA loans in Kilmarnock, Virginia in 2025, led by DHI Mortgage Company, LTD. with 5. 12 lenders closed VA loans, led by DHI Mortgage Company, LTD., 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. 21 banks and 12 credit unions closed home loans in Kilmarnock, Virginia in 2025, alongside 41 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 Kilmarnock, 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 Kilmarnock, 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 Kilmarnock. 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.
