Mortgage Lenders and Brokers in Lake Monticello, 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
Lake Monticello, Virginia mortgage lenders include Uva Community Credit UnionUva Community Credit Union13701 US Highway 29 Ste I, Chatham, VA 24531A5.0 ★Texas Ratio: 7.25%, Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA 22306A5.0 ★Texas Ratio: 8.14%, Bank of America NABank of America NA42030 Village Center Plz, Aldie, VA 20105A+5.0 ★Texas Ratio: 4.14%, United Bank VaUnited Bank Va7901 Richmond Hwy, Alexandria, VA 22306A+5.0 ★Texas Ratio: 2.15%, Virginia Federal Credit UnionVirginia Federal Credit Union120 Seminole Ct, Charlottesville, VA 22901A5.0 ★Texas Ratio: 6.40%, Fulton Bank, National AssociationFulton Bank, National Association95 Community St, Charlottesville, VA 22911A+5.0 ★Texas Ratio: 4.85%, Wells Fargo Bank NAWells Fargo Bank NA332 Cummings St, Abingdon, VA 24210A+5.0 ★Texas Ratio: 5.36%, Truist BankTruist Bank233 Wyndale Road, Abingdon, VA 24210A+5.0 ★Texas Ratio: 2.87%, Atlantic Union BankAtlantic Union Bank115 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 2.51%, and The Freedom Bank of VirginiaThe Freedom Bank of Virginia4090 Lafayette Center Dr, Chantilly, VA 20151C+4.2 ★Texas Ratio: 24.99%. 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 Lake Monticello, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lake Monticello 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 Lake Monticello, Virginia
Market share is the lender's share of all home loans closed in Lake Monticello, 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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13701 US Highway 29 Ste I, Chatham, VA 24531 A5.0 ★Texas Ratio: 7.25% |
Conventional, FHA | 66 | 12.7% | 76.1% | $100,606 | View |
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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 9 +5 HELOCs |
1.7% | 81.8% | $198,333 | |
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42030 Village Center Plz, Aldie, VA 20105 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 6 +10 HELOCs |
1.2% | 100% | $301,666 | View |
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7901 Richmond Hwy, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 2.15% |
Conventional, USDA, HELOC | 6 +1 HELOCs |
1.2% | 100% | $300,000 | View |
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120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional, HELOC | 6 +1 HELOCs |
1.2% | 75% | $218,333 | View |
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95 Community St, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 4.85% |
Conventional, Jumbo, HELOC | 5 +1 HELOCs |
1% | 100% | $557,000 | View |
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332 Cummings St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 4 | 0.8% | 80% | $347,500 | View |
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★ 1 stars, 1 review 233 Wyndale Road, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 2 +14 HELOCs |
0.4% | 66.7% | $305,000 | View |
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115 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 2.51% |
Conventional, Jumbo, HELOC | 2 +10 HELOCs |
0.4% | 100% | $540,000 | View |
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4090 Lafayette Center Dr, Chantilly, VA 20151 C+4.2 ★Texas Ratio: 24.99% |
Conventional | 2 | 0.4% | 100% | $675,000 | View |
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950 N Glebe Rd, Arlington, VA 22203 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 66.7% | $155,000 | View |
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1387 American Way, Bedford, VA 24523 A5.0 ★Texas Ratio: 11.24% |
Conventional | 1 | 0.2% | 100% | $285,000 | View |
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106 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 100% | $285,000 | View |
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13478 Carrollton Blvd Ste A, Carrollton, VA 23314 A5.0 ★Texas Ratio: 10.20% |
Conventional | 1 | 0.2% | 100% | $145,000 | View |
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9060 N Five Forks Rd, Amelia Court House, VA 23002 A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.2% | 100% | $165,000 | View |
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2770 Riverside Dr, Bassett, VA 24055 A5.0 ★Texas Ratio: 7.55% |
Conventional | 1 | 0.2% | 100% | $755,000 | View |
Chartway FCU
575 Cedar Rd, Chesapeake, VA 23322 5564 |
Conventional | 1 | 0.2% | 100% | $345,000 | |
Apple Federal Credit Union
7696F Richmond Hwy, Alexandria, VA 22306 |
Conventional | 1 | 0.2% | 50% | $105,000 | |
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1008 N Glebe Rd, Arlington, VA 22201 4799 A+5.0 ★Texas Ratio: 2.12% |
Conventional | 1 | 0.2% | 100% | $15,000 | View |
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108 Mcnair Rd, Fort Myer, VA 22211 A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 0.2% | 100% | $425,000 | View |
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10401 Woodman Rd, Glen Allen, VA 23060 A5.0 ★Texas Ratio: 8.10% |
Conventional | 1 | 0.2% | 100% | $55,000 | View |
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1630 King St, Alexandria, VA 22314 2763 A+5.0 ★Texas Ratio: 4.05% |
Conventional | 1 | 0.2% | 100% | $365,000 | View |
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7485 Richmond Highway, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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10035 Sliding Hill Rd, Ashland, VA 23005 A+5.0 ★Texas Ratio: 1.60% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 3131 Duke St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
First Heritage Mortgage, LLC
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Conventional, FHA, VA, USDA | 81 | 15.6% | 98.8% | $298,580 | |
Atlantic Coast Mortgage, LLC
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Conventional, FHA, USDA | 25 | 4.8% | 100% | $273,800 | |
Prosperity Home Mortgage, LLC
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Conventional, VA, USDA | 15 | 2.9% | 100% | $327,666 | |
Gray Fox Mortgage, LLC
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Conventional, VA | 8 | 1.5% | 88.9% | $276,250 | |
Towne First Mortgage, LLC
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Conventional, FHA, USDA | 6 | 1.2% | 100% | $508,333 | |
Towne Mortgage
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Conventional, VA | 5 | 1% | 100% | $375,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 4 | 0.8% | 100% | $322,500 | View |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA | 4 | 0.8% | 100% | $345,000 | |
ALCOVA Mortgage, LLC
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Conventional | 3 | 0.6% | 75% | $381,666 | |
Integrity Home Mortgage Corporation
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Conventional, USDA | 2 | 0.4% | 100% | $300,000 | |
Tidewater Home Funding, LLC
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Conventional | 1 | 0.2% | 100% | $465,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Intercoastal Mortgage, LLC
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VA | 1 | 0.2% | 100% | $295,000 | |
Strong Home Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $185,000 | |
Capital Center LLC
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Conventional | 1 | 0.2% | 100% | $205,000 | |
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A4.7 ★Texas Ratio: 0.83% |
Conventional | 1 | 0.2% | 100% | $365,000 | View |
Vellum Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $235,000 | |
Colonial Farm Credit ACA
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Conventional | 1 | 0.2% | 100% | $565,000 | |
Call Federal
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA | 46 | 8.9% | 84.2% | $238,260 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 21 +3 HELOCs |
4.1% | 91.3% | $357,380 | |
Cmg Mortgage Inc
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Conventional, FHA, VA, USDA | 15 | 2.9% | 100% | $303,000 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 14 | 2.7% | 93.3% | $321,428 | |
Mortgage Research Center
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Conventional, VA | 10 | 1.9% | 76.9% | $413,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 8 | 1.5% | 91.7% | $122,500 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, USDA, HELOC | 7 +1 HELOCs |
1.4% | 100% | $327,857 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, FHA, VA | 7 | 1.4% | 87.5% | $235,000 | View |
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A+5.0 ★Texas Ratio: 3.36% |
Conventional, FHA, USDA | 6 | 1.2% | 100% | $273,333 | View |
Nfm, Inc
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Conventional, FHA | 6 | 1.2% | 100% | $295,000 | |
Nationstar Mortgage
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Conventional, FHA | 6 | 1.2% | 85.7% | $81,666 | |
Discover Bank
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Conventional | 5 | 1% | 45.5% | $91,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA, VA | 5 | 1% | 100% | $233,000 | |
loanDepot.com LLC
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Conventional, VA, HELOC | 4 +1 HELOCs |
0.8% | 80% | $187,500 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 4 | 0.8% | 80% | $387,500 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 4 | 0.8% | 100% | $90,000 | View |
Pentagon Federal Credit Union
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Conventional, VA, HELOC | 3 +1 HELOCs |
0.6% | 100% | $431,666 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 3 | 0.6% | 100% | $265,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 3 | 0.6% | 60% | $125,000 | |
Newrez LLC
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Conventional, FHA, USDA | 3 | 0.6% | 50% | $291,666 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, VA | 3 | 0.6% | 100% | $408,333 | View |
Guild Mortgage Company
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Conventional | 3 | 0.6% | 100% | $265,000 | |
American Financial Network, Inc.
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Conventional, FHA | 3 | 0.6% | 100% | $178,333 | |
New American Funding, LLC.
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Conventional, FHA, VA | 3 | 0.6% | 100% | $288,333 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.4% | 30% | $35,000 | |
SWBC Mortgage Corporation
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Conventional | 2 | 0.4% | 100% | $465,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 0.4% | 33.3% | $130,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional, FHA | 2 | 0.4% | 100% | $120,000 | View |
Ross Mortgage Corporation
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FHA, VA | 2 | 0.4% | 100% | $390,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 2 | 0.4% | 100% | $350,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional, VA | 2 | 0.4% | 100% | $415,000 | View |
Carrington Mortgage Services LLC
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FHA | 2 | 0.4% | 28.6% | $295,000 | |
Reliance First Capital, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $235,000 | |
Village Capital & Investment
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VA | 2 | 0.4% | 100% | $330,000 | |
EMM Loans LLC
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Conventional | 1 | 0.2% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.2% | 100% | $355,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.2% | 100% | $255,000 | |
American Financial Resources LLC
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FHA | 1 | 0.2% | 100% | $345,000 | |
Goodleap, LLC
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FHA | 1 | 0.2% | 50% | $295,000 | |
Envoy Mortgage, Ltd
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VA | 1 | 0.2% | 100% | $365,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.2% | 50% | $365,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.2% | 50% | $485,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $395,000 | |
Dart Bank
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Conventional | 1 | 0.2% | 100% | $445,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.2% | 100% | $415,000 | |
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A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.2% | 50% | $125,000 | View |
American Financing Corporation
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Conventional | 1 | 0.2% | 50% | $205,000 | |
Total Mortgage Services, LLC
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FHA | 1 | 0.2% | 100% | $215,000 | |
Library of Congress Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $75,000 | |
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A5.0 ★Texas Ratio: 8.87% |
Conventional | 1 | 0.2% | 100% | $765,000 | View |
Credence Funding Corporation
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VA | 1 | 0.2% | 100% | $365,000 | |
Peoples Mortgage Company
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USDA | 1 | 0.2% | 100% | $315,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.2% | 100% | $265,000 | |
Provident Funding Associates
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Conventional | 1 | 0.2% | 50% | $465,000 | |
Waterstone Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $255,000 | |
Aberdeen Proving Ground FCU
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Conventional | 1 | 0.2% | 100% | $35,000 | |
Nasa Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $45,000 | |
Milend, Inc
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FHA | 1 | 0.2% | 100% | $245,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.2% | 100% | $355,000 | |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Georgia'S Own Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Tower Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Hanscom Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
The Loan Store, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Lake Monticello 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 Lake Monticello, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Lake Monticello? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lake Monticello in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Lake Monticello, VA
Use these to narrow the list above. Each category shows how many Lake Monticello, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Lake Monticello, VA
Independent mortgage companies closed 66.6 percent of home loans in Lake Monticello, Virginia in 2025, banks 15.3 percent and credit unions 18.1 percent. First Heritage Mortgage, LLC was the largest mortgage company, Bank of America NA the largest bank and Uva Community Credit Union the largest credit union. Among lenders headquartered in Virginia, Uva Community Credit Union led with 66 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 Lake Monticello, VA
By home loans closed in 2025, Uva Community Credit Union was the largest mortgage lender in Lake Monticello, Virginia with 66 loans, about 12.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Lake Monticello, Virginia, First Heritage Mortgage, LLC approved the highest share of completed applications in 2025 at 98.8 percent, against a 85.9 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.
35 lenders closed FHA loans in Lake Monticello, Virginia in 2025, led by First Heritage Mortgage, LLC with 31. 26 lenders closed VA loans, led by Mortgage Research Center, and 11 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. 30 banks and 18 credit unions closed home loans in Lake Monticello, Virginia in 2025, alongside 62 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 Lake Monticello, 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 Lake Monticello, 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 Lake Monticello. 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.
