Mortgage Lenders and Brokers in Louisa, 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
Louisa, Virginia mortgage lenders include United Bank VaUnited Bank Va217 East Main St, Louisa, VA 23093A+5.0 ★Texas Ratio: 2.15%, Wells Fargo Bank NAWells Fargo Bank NA200 W Main St, Louisa, VA 23093A+5.0 ★Texas Ratio: 5.36%, Uva Community Credit UnionUva Community Credit Union13701 US Highway 29 Ste I, Chatham, VA 24531A5.0 ★Texas Ratio: 7.25%, Virginia Federal Credit UnionVirginia Federal Credit Union120 Seminole Ct, Charlottesville, VA 22901A5.0 ★Texas Ratio: 6.40%, Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA 22306A5.0 ★Texas Ratio: 8.14%, TowneBankTowneBank10035 Sliding Hill Rd, Ashland, VA 23005A+5.0 ★Texas Ratio: 1.60%, 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%, Northwest Federal Credit UnionNorthwest Federal Credit Union1008 N Glebe Rd, Arlington, VA 22201 4799A+5.0 ★Texas Ratio: 2.12%, 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 Louisa, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Louisa 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 Louisa, Virginia
Market share is the lender's share of all home loans closed in Louisa, 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 Louisa 217 East Main St, Louisa, VA 23093 A+5.0 ★Texas Ratio: 2.15% |
Conventional, HELOC | 1 +3 HELOCs |
0.7% | 100% | $415,000 | View |
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1 office in Louisa 200 W Main St, Louisa, VA 23093 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.7% | 100% | $125,000 | View |
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13701 US Highway 29 Ste I, Chatham, VA 24531 A5.0 ★Texas Ratio: 7.25% |
Conventional | 15 | 10.2% | 75% | $127,666 | View |
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120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional | 5 | 3.4% | 100% | $107,000 | View |
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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 4 +1 HELOCs |
2.7% | 100% | $115,000 | |
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10035 Sliding Hill Rd, Ashland, VA 23005 A+5.0 ★Texas Ratio: 1.60% |
Conventional | 2 | 1.4% | 100% | $190,000 | View |
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★ 1 stars, 1 review 233 Wyndale Road, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 2 | 1.4% | 100% | $325,000 | View |
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115 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 2.51% |
FHA, HELOC | 1 +1 HELOCs |
0.7% | 100% | $235,000 | View |
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1008 N Glebe Rd, Arlington, VA 22201 4799 A+5.0 ★Texas Ratio: 2.12% |
Conventional | 1 | 0.7% | 100% | $145,000 | View |
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4090 Lafayette Center Dr, Chantilly, VA 20151 C+4.2 ★Texas Ratio: 24.99% |
Conventional | 1 | 0.7% | 100% | $275,000 | 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 | |
Chartway FCU
575 Cedar Rd, Chesapeake, VA 23322 5564 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Towne First Mortgage, LLC
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Conventional, FHA, VA | 4 | 2.7% | 100% | $362,500 | |
Atlantic Coast Mortgage, LLC
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Conventional, FHA | 3 | 2% | 100% | $178,333 | |
C&F Select LLC
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Conventional | 2 | 1.4% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 1.4% | 100% | $375,000 | View |
First Heritage Mortgage, LLC
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Conventional, VA | 2 | 1.4% | 100% | $450,000 | |
Atlantic Bay Mortgage Group
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Conventional | 2 | 1.4% | 100% | $340,000 | |
Intercoastal Mortgage, LLC
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VA | 1 | 0.7% | 100% | $315,000 | |
Vellum Mortgage, Inc.
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Conventional | 1 | 0.7% | 100% | $355,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.7% | 100% | $295,000 | |
Rocket Mortgage
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Conventional, FHA | 17 | 11.6% | 90% | $205,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, FHA, VA | 10 | 6.8% | 100% | $255,000 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 9 | 6.1% | 100% | $333,888 | |
Embrace Home Loans, Inc.
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Conventional, FHA, VA | 6 | 4.1% | 100% | $311,666 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, FHA | 4 | 2.7% | 100% | $230,000 | View |
Freedom Mortgage Corporation
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FHA, VA | 3 | 2% | 71.4% | $268,333 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 3 | 2% | 100% | $518,333 | |
Union Home Mortgage Corp.
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Conventional | 3 | 2% | 100% | $271,666 | |
Waterstone Mortgage Corporation
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Conventional | 3 | 2% | 100% | $255,000 | |
Advancial Federal Credit Union
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Conventional | 2 | 1.4% | 100% | $645,000 | |
Pennymac Loan Services LLC
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Conventional | 2 | 1.4% | 66.7% | $145,000 | |
Cmg Mortgage Inc
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Conventional, VA | 2 | 1.4% | 100% | $445,000 | |
Nfm, Inc
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Conventional, FHA | 2 | 1.4% | 66.7% | $300,000 | |
Mortgage Research Center
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VA | 2 | 1.4% | 42.9% | $405,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 2 | 1.4% | 100% | $470,000 | |
Carrington Mortgage Services LLC
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FHA, VA | 2 | 1.4% | 100% | $220,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
VA | 1 | 0.7% | 100% | $465,000 | View |
Premier Mortgage Resources, LLC
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FHA | 1 | 0.7% | 100% | $385,000 | |
American Financial Resources LLC
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FHA | 1 | 0.7% | 100% | $425,000 | |
Primelending
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FHA | 1 | 0.7% | 100% | $195,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.7% | 33.3% | $365,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.7% | 50% | $305,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.7% | 100% | $75,000 | |
Resicentral LLC
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Conventional | 1 | 0.7% | 100% | $325,000 | |
Guild Mortgage Company
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FHA | 1 | 0.7% | 100% | $405,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.7% | 100% | $325,000 | |
Ross Mortgage Corporation
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Conventional | 1 | 0.7% | 100% | $255,000 | |
Encompass Lending Group, L.P.
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FHA | 1 | 0.7% | 100% | $355,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.7% | 100% | $305,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.7% | 100% | $545,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.7% | 100% | $375,000 | |
Milend, Inc
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FHA | 1 | 0.7% | 100% | $185,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.7% | 100% | $45,000 | |
Pentagon Federal Credit Union
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VA | 1 | 0.7% | 100% | $465,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.7% | 100% | $165,000 | |
Mld Mortgage, Inc.Dba the Money Store
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FHA | 1 | 0.7% | 25% | $345,000 | |
Southwest Stage Funding LLC
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FHA | 1 | 0.7% | 100% | $355,000 | |
Paramount Residential Mortgage
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FHA | 1 | 0.7% | 100% | $395,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.7% | 100% | $375,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.7% | 100% | $325,000 | |
Affinity Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a |
Louisa 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 Louisa, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Louisa? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Louisa in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Louisa, VA
Use these to narrow the list above. Each category shows how many Louisa, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Louisa, VA
Independent mortgage companies closed 59.9 percent of home loans in Louisa, Virginia in 2025, banks 21.1 percent and credit unions 19 percent. Atlantic Coast Mortgage, LLC was the largest mortgage company, United Bank Va the largest bank and Uva Community Credit Union the largest credit union. Among lenders headquartered in Virginia, Uva Community Credit Union led with 15 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 Louisa, VA
By home loans closed in 2025, United Bank Va was the largest mortgage lender in Louisa, Virginia with 1 loans, about 0.7 percent of the market. The largest lender headquartered in Virginia was Uva Community Credit Union with 15 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
26 lenders closed FHA loans in Louisa, Virginia in 2025, led by Rocket Mortgage with 4. 13 lenders closed VA loans, led by United Wholesale Mortgage. 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 8 credit unions closed home loans in Louisa, Virginia in 2025, alongside 40 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 Louisa, 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 Louisa, 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 Louisa. 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.
