Mortgage Lenders and Brokers in Lincolnia, 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
Lincolnia, Virginia mortgage lenders include Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA 22306A5.0 ★Texas Ratio: 8.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA106 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 3.68%, Truist BankTruist Bank233 Wyndale Road, Abingdon, VA 24210A+5.0 ★Texas Ratio: 2.87%, PNC Bank N.A.PNC Bank N.A.3131 Duke St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 4.24%, Bank of America NABank of America NA42030 Village Center Plz, Aldie, VA 20105A+5.0 ★Texas Ratio: 4.14%, Fulton Bank, National AssociationFulton Bank, National Association95 Community St, Charlottesville, VA 22911A+5.0 ★Texas Ratio: 4.85%, M&T BankM&T Bank7485 Richmond Highway, Alexandria, VA 22306A+5.0 ★Texas Ratio: 4.11%, Burke & Herbert Bk & Tr CoBurke & Herbert Bk & Tr Co5519 Franconia Rd, Alexandria, VA 22310A5.0 ★Texas Ratio: 7.39%, CommonWealth One Federal Credit UnionCommonWealth One Federal Credit Union4875 Eisenhower Ave, Alexandria, VA 22304 4886A5.0 ★Texas Ratio: 10.04%, and Virginia Federal Credit UnionVirginia Federal Credit Union120 Seminole Ct, Charlottesville, VA 22901A5.0 ★Texas Ratio: 6.40%. 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 Lincolnia, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lincolnia 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 Lincolnia, Virginia
Market share is the lender's share of all home loans closed in Lincolnia, 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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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 11 +6 HELOCs |
6.1% | 91.7% | $429,545 | |
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106 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 5 | 2.8% | 83.3% | $439,000 | 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 +7 HELOCs |
1.7% | 100% | $438,333 | View |
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★ 1.7 stars, 3 reviews 3131 Duke St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 3 +6 HELOCs |
1.7% | 60% | $525,000 | View |
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42030 Village Center Plz, Aldie, VA 20105 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +5 HELOCs |
1.1% | 66.7% | $650,000 | View |
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95 Community St, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 4.85% |
Conventional | 2 | 1.1% | 100% | $975,000 | View |
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7485 Richmond Highway, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +2 HELOCs |
0.6% | 100% | $875,000 | View |
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5519 Franconia Rd, Alexandria, VA 22310 A5.0 ★Texas Ratio: 7.39% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $725,000 | View |
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4875 Eisenhower Ave, Alexandria, VA 22304 4886 A5.0 ★Texas Ratio: 10.04% |
Conventional | 1 | 0.6% | 100% | $35,000 | View |
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120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional | 1 | 0.6% | 100% | $705,000 | View |
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13478 Carrollton Blvd Ste A, Carrollton, VA 23314 A5.0 ★Texas Ratio: 10.20% |
Conventional | 1 | 0.6% | 100% | $575,000 | View |
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1000 N Highland St, Arlington, VA 22201 B-4.4 ★Texas Ratio: 22.15% |
Conventional | 1 | 0.6% | 100% | $565,000 | View |
Transportation Federal Credit Union
1600 Cameron St, Alexandria, VA 22314 |
Conventional | 1 | 0.6% | 100% | $85,000 | |
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1900 Campus Commons Drive Suite 103, Reston, VA 20191 A-5.0 ★Texas Ratio: 15.49% |
Conventional | 1 | 0.6% | 100% | $325,000 | View |
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332 Cummings St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.6% | 100% | $375,000 | View |
Apple Federal Credit Union
7696F Richmond Hwy, Alexandria, VA 22306 |
HELOC | 0 +3 HELOCs |
0% | 0% | ||
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115 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 2.51% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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4075wilson Boulevard, Arlington, VA 22203 A+5.0 ★Texas Ratio: 3.04% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1700 Diagonal Rd, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1630 King St, Alexandria, VA 22314 2763 A+5.0 ★Texas Ratio: 4.05% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
First Heritage Mortgage, LLC
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Conventional, FHA, VA | 9 | 5% | 100% | $499,444 | |
Atlantic Coast Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 6 | 3.4% | 100% | $746,666 | |
Intercoastal Mortgage, LLC
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Conventional | 4 | 2.2% | 100% | $512,500 | |
City Lending Inc.
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Conventional, FHA | 3 | 1.7% | 100% | $628,333 | |
Prosperity Home Mortgage, LLC
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Conventional, VA | 3 | 1.7% | 100% | $605,000 | |
First Savings Mortgage Corporation
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Conventional | 2 | 1.1% | 100% | $545,000 | |
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A5.0 ★Texas Ratio: 8.63% |
Conventional | 2 | 1.1% | 100% | $225,000 | View |
Atlantic Bay Mortgage Group
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Conventional | 2 | 1.1% | 100% | $640,000 | |
ALCOVA Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $595,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.6% | 100% | $565,000 | View |
Gray Fox Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $285,000 | |
Jams-01 Inc dba Home Savings & Trust Mortgage
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Conventional | 1 | 0.6% | 100% | $465,000 | |
Rocket Mortgage
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Conventional, FHA | 17 | 9.5% | 89.5% | $349,705 | |
United Wholesale Mortgage
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Conventional, VA, HELOC | 10 +1 HELOCs |
5.6% | 100% | $561,000 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, VA | 5 | 2.8% | 100% | $625,000 | View |
CrossCountry Mortgage, LLC
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Conventional | 4 | 2.2% | 100% | $522,500 | |
Guild Mortgage Company
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Conventional | 4 | 2.2% | 100% | $577,500 | |
First Home Mortgage
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Conventional, VA | 4 | 2.2% | 100% | $510,000 | |
Cmg Mortgage Inc
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Conventional, VA, HELOC | 3 +1 HELOCs |
1.7% | 100% | $608,333 | |
loanDepot.com LLC
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Conventional | 3 | 1.7% | 50% | $461,666 | |
Mortgage Research Center
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VA, Jumbo | 3 | 1.7% | 75% | $811,666 | |
Bank Fund Staff Federal Credit
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Conventional, HELOC | 2 +1 HELOCs |
1.1% | 100% | $575,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 1.1% | 100% | $545,000 | View |
Guaranteed Rate Affinity, LLC
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VA | 2 | 1.1% | 100% | $580,000 | |
Guaranteed Rate, Inc.
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Conventional | 2 | 1.1% | 100% | $380,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 1.1% | 100% | $60,000 | |
Filo Mortgage, LLC
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Conventional | 2 | 1.1% | 100% | $525,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 2 | 1.1% | 100% | $610,000 | |
Union Home Mortgage Corp.
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Conventional | 2 | 1.1% | 100% | $460,000 | |
Bay Equity LLC
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Conventional, FHA | 2 | 1.1% | 100% | $760,000 | |
Embrace Home Loans, Inc.
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Conventional | 2 | 1.1% | 100% | $685,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.1% | 66.7% | $85,000 | |
Nations Direct Mortgage, LLC
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FHA | 2 | 1.1% | 100% | $855,000 | |
Lower, LLC
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Conventional, FHA | 2 | 1.1% | 100% | $690,000 | |
Fairway Independent Mort Corp
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Conventional, Jumbo | 2 | 1.1% | 100% | $1,030,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $645,000 | View |
Newrez LLC
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Conventional | 1 | 0.6% | 25% | $275,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.6% | 100% | $435,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.6% | 100% | $725,000 | |
State Employees Credit Union of MD
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Conventional | 1 | 0.6% | 100% | $595,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.6% | 50% | $55,000 | |
Fidelity Direct Mortgage, LLC
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FHA | 1 | 0.6% | 100% | $425,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.6% | 100% | $495,000 | View |
New Wave Lending Group Inc
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Conventional | 1 | 0.6% | 100% | $375,000 | |
Nfm, Inc
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Conventional | 1 | 0.6% | 100% | $415,000 | |
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A+5.0 ★Texas Ratio: 5.26% |
Conventional | 1 | 0.6% | 100% | $575,000 | View |
Cardinal Financial Company, Li
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Conventional | 1 | 0.6% | 100% | $425,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $415,000 | |
Aberdeen Proving Ground FCU
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Conventional | 1 | 0.6% | 100% | $55,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.6% | 100% | $525,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $545,000 | |
Emet Lending Group, Inc.
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Conventional | 1 | 0.6% | 100% | $605,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 1 | 0.6% | 100% | $225,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.6% | 100% | $755,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.6% | 50% | $545,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.6% | 100% | $255,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.6% | 100% | $515,000 | View |
United Nations Federal CU
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Conventional | 1 | 0.6% | 100% | $555,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.6% | 100% | $525,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.6% | 100% | $725,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.6% | 100% | $575,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.6% | 100% | $405,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.6% | 100% | $795,000 | View |
Pentagon Federal Credit Union
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HELOC | 0 +4 HELOCs |
0% | 0% | ||
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
American Airlines Federal Cred
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Tower Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.10% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
Lincolnia 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 Lincolnia, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Lincolnia? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lincolnia in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Lincolnia, VA
Use these to narrow the list above. Each category shows how many Lincolnia, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Lincolnia, VA
Independent mortgage companies closed 72.6 percent of home loans in Lincolnia, Virginia in 2025, banks 15.1 percent and credit unions 12.3 percent. First Heritage Mortgage, LLC was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in Virginia, Navy Federal Credit Union led with 11 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 Lincolnia, VA
By home loans closed in 2025, Navy Federal Credit Union was the largest mortgage lender in Lincolnia, Virginia with 11 loans, about 6.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Lincolnia, Virginia in 2025, led by Nations Direct Mortgage, LLC with 2. 11 lenders closed VA loans, led by Navy Federal Credit Union. 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. 20 banks and 16 credit unions closed home loans in Lincolnia, Virginia in 2025, alongside 56 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 Lincolnia, 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 Lincolnia, 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 Lincolnia. 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.
