Mortgage Lenders and Brokers in Luray, 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
Luray, Virginia mortgage lenders include Truist BankTruist Bank1402 Us Highway 211 W, Luray, VA 22835A+5.0 ★Texas Ratio: 2.87%, Blue Ridge BankBlue Ridge Bank17 W Main St, Luray, VA 22835A5.0 ★Texas Ratio: 8.11%, Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA 22306A5.0 ★Texas Ratio: 8.14%, The Bank of Charlotte CountyThe Bank of Charlotte County308 Lynchburg Avenue, Brookneal, VA 24528A+5.0 ★Texas Ratio: 2.39%, Farmers & Merchants BankFarmers & Merchants Bank100 Plaza Dr, Bridgewater, VA 22812A+5.0 ★Texas Ratio: 3.40%, Apple Federal Credit UnionApple Federal Credit Union7696F Richmond Hwy, Alexandria, VA 22306, Atlantic Union BankAtlantic Union Bank115 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 2.51%, United Bank VaUnited Bank Va7901 Richmond Hwy, Alexandria, VA 22306A+5.0 ★Texas Ratio: 2.15%, Fulton Bank, National AssociationFulton Bank, National Association95 Community St, Charlottesville, VA 22911A+5.0 ★Texas Ratio: 4.85%, and City National Bank of WVCity National Bank of WV128 W 21st St, Buena Vista, VA 24416A+5.0 ★Texas Ratio: 1.47%. 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 Luray, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Luray 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 Luray, Virginia
Market share is the lender's share of all home loans closed in Luray, 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 stars, 1 review 1 office in Luray 1402 Us Highway 211 W, Luray, VA 22835 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 5 +14 HELOCs |
2.3% | 85.7% | $215,000 | View |
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1 office in Luray 17 W Main St, Luray, VA 22835 A5.0 ★Texas Ratio: 8.11% |
Conventional | 3 | 1.4% | 100% | $441,666 | View |
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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 2 +1 HELOCs |
0.9% | 66.7% | $105,000 | |
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308 Lynchburg Avenue, Brookneal, VA 24528 A+5.0 ★Texas Ratio: 2.39% |
Conventional | 2 | 0.9% | 100% | $325,000 | View |
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100 Plaza Dr, Bridgewater, VA 22812 A+5.0 ★Texas Ratio: 3.40% |
Conventional | 2 | 0.9% | 100% | $370,000 | View |
Apple Federal Credit Union
7696F Richmond Hwy, Alexandria, VA 22306 |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $425,000 | |
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115 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 2.51% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $245,000 | View |
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7901 Richmond Hwy, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.5% | 100% | $295,000 | View |
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95 Community St, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 4.85% |
Conventional | 1 | 0.5% | 100% | $805,000 | View |
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128 W 21st St, Buena Vista, VA 24416 A+5.0 ★Texas Ratio: 1.47% |
Conventional | 1 | 0.5% | 100% | $85,000 | View |
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13701 US Highway 29 Ste I, Chatham, VA 24531 A5.0 ★Texas Ratio: 7.25% |
FHA | 1 | 0.5% | 100% | $335,000 | View |
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98 Blue Ridge Blvd, Blue Ridge, VA 24064 A+5.0 ★Texas Ratio: 2.42% |
Conventional | 1 | 0.5% | 100% | $25,000 | View |
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332 Cummings St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.5% | 100% | $225,000 | View |
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933 E Main St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 3.79% |
Conventional | 1 | 0.5% | 100% | $465,000 | View |
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704 King Street, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 1.62% |
VA | 1 | 0.5% | 100% | $225,000 | View |
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2879 Clarendon Boulevard, Arlington, VA 22201 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.5% | 100% | $205,000 | View |
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32 Windward Dr, Fishersville, VA 22939 A+5.0 ★Texas Ratio: 1.68% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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42030 Village Center Plz, Aldie, VA 20105 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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950 N Glebe Rd, Arlington, VA 22203 A5.0 ★Texas Ratio: 7.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
ALCOVA Mortgage, LLC
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Conventional | 5 | 2.3% | 83.3% | $293,000 | |
Integrity Home Mortgage Corporation
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Conventional, FHA, USDA | 5 | 2.3% | 100% | $173,000 | |
Atlantic Coast Mortgage, LLC
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Conventional, FHA | 2 | 0.9% | 100% | $350,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 0.9% | 100% | $210,000 | View |
First Heritage Mortgage, LLC
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Conventional, FHA | 2 | 0.9% | 100% | $290,000 | |
Prosperity Home Mortgage, LLC
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Conventional, VA | 2 | 0.9% | 100% | $320,000 | |
Atlantic Bay Mortgage Group
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FHA | 1 | 0.5% | 100% | $525,000 | |
Vellum Mortgage, Inc.
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Conventional | 1 | 0.5% | 100% | $265,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 33 | 15% | 77.8% | $218,939 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA | 14 | 6.4% | 87.5% | $202,142 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 12 | 5.5% | 92.3% | $315,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 9 | 4.1% | 75% | $277,222 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 7 | 3.2% | 87.5% | $343,571 | |
Fairway Independent Mort Corp
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Conventional, VA | 6 | 2.7% | 100% | $301,666 | |
Newrez LLC
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Conventional, FHA, VA | 5 | 2.3% | 100% | $181,000 | |
Envoy Mortgage, Ltd
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Conventional, FHA | 5 | 2.3% | 83.3% | $311,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 5 | 2.3% | 100% | $145,000 | |
Everett Financial, Inc.
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Conventional, FHA | 4 | 1.8% | 100% | $257,500 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, USDA | 4 | 1.8% | 100% | $337,500 | View |
Amerisave Mortgage Company
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Conventional, FHA | 4 | 1.8% | 57.1% | $70,000 | |
Guild Mortgage Company
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Conventional, FHA, USDA | 4 | 1.8% | 100% | $187,500 | |
Nfm, Inc
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Conventional | 4 | 1.8% | 100% | $327,500 | |
American Financial Network, Inc.
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Conventional, FHA, USDA | 3 | 1.4% | 100% | $295,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 3 | 1.4% | 75% | $238,333 | View |
Waterstone Mortgage Corporation
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Conventional | 3 | 1.4% | 100% | $178,333 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 1.4% | 75% | $438,333 | |
Partners 1St Federal Credit Union
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Conventional, HELOC | 2 +2 HELOCs |
0.9% | 66.7% | $115,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, FHA | 2 | 0.9% | 100% | $375,000 | |
Lakeview Loan Servicing, LLC
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FHA, VA | 2 | 0.9% | 40% | $215,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 2 | 0.9% | 100% | $160,000 | |
loanDepot.com LLC
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Conventional, FHA | 2 | 0.9% | 66.7% | $155,000 | |
Cmg Mortgage Inc
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FHA, VA | 2 | 0.9% | 100% | $315,000 | |
Discover Bank
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Conventional | 2 | 0.9% | 100% | $70,000 | |
Ross Mortgage Corporation
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Conventional, FHA | 2 | 0.9% | 100% | $165,000 | |
Cardinal Financial Company, Li
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FHA | 2 | 0.9% | 100% | $255,000 | |
Mortgage Research Center
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VA | 2 | 0.9% | 40% | $320,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 0.9% | 50% | $255,000 | |
American Portfolio Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $185,000 | |
American Financial Resources LLC
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FHA | 1 | 0.5% | 100% | $205,000 | |
RMC Home Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $295,000 | |
Jet Direct Funding Corp.
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Conventional | 1 | 0.5% | 100% | $215,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.5% | 100% | $195,000 | |
Resicentral LLC
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Conventional | 1 | 0.5% | 100% | $165,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.5% | 100% | $305,000 | |
Das Acquisition Company, LLC
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Conventional | 1 | 0.5% | 100% | $315,000 | |
American Financing Corporation
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Conventional | 1 | 0.5% | 100% | $45,000 | |
Total Mortgage Services, LLC
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Conventional | 1 | 0.5% | 100% | $425,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0.5% | 100% | $245,000 | |
Peoples Mortgage Company
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Conventional | 1 | 0.5% | 100% | $135,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.5% | 100% | $625,000 | |
First Heritage Financial LLC
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FHA | 1 | 0.5% | 100% | $245,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.5% | 100% | $685,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.5% | 100% | $565,000 | View |
Mutual of Omaha Mortgage
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FHA | 1 | 0.5% | 100% | $295,000 | |
Geneva Financial LLC
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Conventional | 1 | 0.5% | 100% | $125,000 | |
Lower, LLC
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FHA | 1 | 0.5% | 50% | $355,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.5% | 100% | $275,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.5% | 100% | $265,000 | View |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.5% | 100% | $105,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.5% | 100% | $285,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.5% | 100% | $195,000 | |
Village Capital & Investment
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VA | 1 | 0.5% | 50% | $255,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Bank Fund Staff Federal Credit
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Nasa Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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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 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 100% |
Luray 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 Luray, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Luray? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Luray in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Luray, VA
Use these to narrow the list above. Each category shows how many Luray, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Luray, VA
Independent mortgage companies closed 81.8 percent of home loans in Luray, Virginia in 2025, banks 15.5 percent and credit unions 2.7 percent. ALCOVA Mortgage, LLC was the largest mortgage company, Truist Bank the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in Virginia, Blue Ridge Bank led with 3 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 Luray, VA
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Luray, Virginia with 5 loans, about 2.3 percent of the market. The largest lender headquartered in Virginia was Blue Ridge Bank with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
31 lenders closed FHA loans in Luray, Virginia in 2025, led by DHI Mortgage Company, LTD. with 8. 17 lenders closed VA loans, led by Rocket Mortgage, and 4 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. 25 banks and 9 credit unions closed home loans in Luray, 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 Luray, 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 Luray, 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 Luray. 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.
