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Mortgage Lenders and Brokers in Lynchburg, Virginia

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Lynchburg, Virginia mortgage lenders include Select BankSelect Bank7113 Timberlake Rd, Lynchburg, VA 24502A5.0 ★Texas Ratio: 11.24%, Atlantic Union BankAtlantic Union Bank1646 Graves Mill Rd, Lynchburg, VA 24502A+5.0 ★Texas Ratio: 2.51%, Wells Fargo Bank NAWells Fargo Bank NA2304 Langhorne Rd, Lynchburg, VA 24501A+5.0 ★Texas Ratio: 5.36%, Central Virginia FCUCentral Virginia FCU1638 Mount Athos Rd, Lynchburg, VA 24504 5429A5.0 ★Texas Ratio: 7.15%, Bank of the JamesBank of the James828 Main St, Lynchburg, VA 24504A+5.0 ★Texas Ratio: 1.34%, Truist BankTruist Bank2120 Langhorne Rd, Lynchburg, VA 24501A+5.0 ★Texas Ratio: 2.87%, First National BankFirst National Bank14580 Wards Rd, Lynchburg, VA 24502A+5.0 ★Texas Ratio: 1.54%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust20373 Timberlake Rd, Lynchburg, VA 24502A5.0 ★Texas Ratio: 7.72%, Bank of America NABank of America NA2201 Wards Rd, Lynchburg, VA 24502A+5.0 ★Texas Ratio: 4.14%, and Carter Bank and TrustCarter Bank and Trust3515 Campbell Ave, Lynchburg, VA 24501A5.0 ★Texas Ratio: 7.55%. 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 Lynchburg, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lynchburg 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 Lynchburg, Virginia

Market share is the lender's share of all home loans closed in Lynchburg, 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
Select Bank 2 offices in Lynchburg 7113 Timberlake Rd, Lynchburg, VA 24502 A5.0 ★Texas Ratio: 11.24%	Conventional	23	1.9%	95.8%	$206,739	View
Atlantic Union Bank 1 office in Lynchburg 1646 Graves Mill Rd, Lynchburg, VA 24502 A+5.0 ★Texas Ratio: 2.51%	Conventional, FHA, Jumbo, HELOC	18 +15 HELOCs	1.5%	94.7%	$368,333	View
Wells Fargo Bank NA 4 offices in Lynchburg 2304 Langhorne Rd, Lynchburg, VA 24501 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA	17	1.4%	89.5%	$192,058	View
Central Virginia FCU 1638 Mount Athos Rd, Lynchburg, VA 24504 5429 A5.0 ★Texas Ratio: 7.15%	Conventional	11	0.9%	100%	$114,090	View
Bank of the James 828 Main St, Lynchburg, VA 24504 A+5.0 ★Texas Ratio: 1.34%	Conventional, Jumbo	11	0.9%	100%	$439,545	View
Truist Bank ★ 1 stars, 1 review 4 offices in Lynchburg 2120 Langhorne Rd, Lynchburg, VA 24501 A+5.0 ★Texas Ratio: 2.87%	Conventional, FHA, VA, HELOC	10 +38 HELOCs	0.8%	83.3%	$181,000	View
First National Bank 5 offices in Lynchburg 14580 Wards Rd, Lynchburg, VA 24502 A+5.0 ★Texas Ratio: 1.54%	Conventional	10	0.8%	100%	$112,000	View
First Ciitizens Bank and Trust 2 offices in Lynchburg 20373 Timberlake Rd, Lynchburg, VA 24502 A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo, HELOC	6 +8 HELOCs	0.5%	85.7%	$368,333	View
Bank of America NA 1 office in Lynchburg 2201 Wards Rd, Lynchburg, VA 24502 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	4 +11 HELOCs	0.3%	80%	$190,000	View
Carter Bank and Trust 3 offices in Lynchburg 3515 Campbell Ave, Lynchburg, VA 24501 A5.0 ★Texas Ratio: 7.55%	Conventional, HELOC	1 +2 HELOCs	0.1%	50%	$175,000	View
United Bank Va 2 offices in Lynchburg 3638 Old Forest Rd, Lynchburg, VA 24501 A+5.0 ★Texas Ratio: 2.15%	Conventional	1	0.1%	100%	$155,000	View
Pinnacle Bank 1 office in Lynchburg 18804 Forest Road, Lynchburg, VA 24502 A+5.0 ★Texas Ratio: 3.04%	HELOC	0 +3 HELOCs	0%	n/a		View
Beacon Credit Union A+5.0 ★Texas Ratio: 1.80%	Conventional, HELOC	12 +16 HELOCs	1%	59.1%	$176,666	View
Navy Federal Credit Union 7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	16 +3 HELOCs	1.3%	80%	$260,000
Freedom First Federal Credit Union 2102 Langhorne RD, Lynchburg, VA 24501 A+5.0 ★Texas Ratio: 3.69%	Conventional, FHA, VA, Jumbo, HELOC	15 +1 HELOCs	1.2%	88.2%	$278,333	View
Virginia Federal Credit Union 3901 Old Forest Rd, Lynchburg, VA 24501 A5.0 ★Texas Ratio: 6.40%	Conventional, FHA, HELOC	13 +5 HELOCs	1.1%	56.5%	$147,307	View
The Farmers Bank of Appomattox 8112 Timberlake Road, Lynchburg, VA 24502 A+5.0 ★Texas Ratio: 3.79%	Conventional	11	0.9%	92.3%	$232,272	View
Blue Eagle Credit Union 1210 Greenview Dr, Lynchburg, VA 24502 A+5.0 ★Texas Ratio: 0.62%	Conventional	11	0.9%	64.7%	$96,818	View
JPMorgan Chase Bank, NA 106 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	10 +2 HELOCs	0.8%	100%	$201,000	View
First Bank and Trust Company 933 E Main St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 3.79%	Conventional, HELOC	9 +6 HELOCs	0.7%	100%	$256,111	View
National Bank of Blacksburg 20479 Timberlake Rd, Lynchburg, VA 24502 A+5.0 ★Texas Ratio: 0.34%	Conventional	8	0.7%	100%	$181,250	View
Citizens Bank, NA 1700 Diagonal Rd, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 5.44%	Conventional, FHA, HELOC	3 +11 HELOCs	0.2%	100%	$235,000	View
Primis Bank 201 N Washington Hwy, Ashland, VA 23005 A5.0 ★Texas Ratio: 13.21%	Conventional, FHA	3	0.2%	100%	$338,333	View
First National Bank of PA 704 King Street, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 1.62%	Conventional	2	0.2%	100%	$315,000	View
Dupont Community Credit Union 32 Windward Dr, Fishersville, VA 22939 A+5.0 ★Texas Ratio: 1.68%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$145,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 3131 Duke St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$115,000	View
Oak View National Bank 450 James Madison Hwy, Culpeper, VA 22701 A+5.0 ★Texas Ratio: 0.03%	Conventional	1	0.1%	100%	$95,000	View
Cnb Bank 1901 S Main St, Blacksburg, VA 24060 A5.0 ★Texas Ratio: 6.26%	Conventional, Jumbo	1	0.1%	100%	$1,115,000	View
First Horizon Bank ★ 5 stars, 1 review 21263 Lankford Hwy, Cape Charles, VA 23310 A+5.0 ★Texas Ratio: 5.76%	Conventional	1	0.1%	100%	$785,000	View
Benchmark Community Bank 410 Church St, Blackstone, VA 23824 A+5.0 ★Texas Ratio: 1.65%	Conventional	1	0.1%	100%	$185,000	View
Presidential Bank, FSB 1515 Wilson Blvd, Arlington, VA 22209 A-4.9 ★Texas Ratio: 16.48%	VA	1	0.1%	100%	$255,000	View
Langley Federal Credit Union 13478 Carrollton Blvd Ste A, Carrollton, VA 23314 A5.0 ★Texas Ratio: 10.20%	Conventional	1	0.1%	100%	$65,000	View
M&T Bank 7485 Richmond Highway, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$45,000	View
Apple Federal Credit Union 7696F Richmond Hwy, Alexandria, VA 22306	Conventional	1	0.1%	100%	$275,000
First Community Bank 24412 Maringo Rd, Abingdon, VA 24211 A+5.0 ★Texas Ratio: 3.36%	Conventional	1	0.1%	100%	$435,000	View
HomeTrust Bank 1571 Roanoke Rd, Daleville, VA 24083 A+5.0 ★Texas Ratio: 5.53%	Conventional	1	0.1%	100%	$245,000	View
Potomac Bank 446 Madison Trade Plz Se, Leesburg, VA 20175 A+5.0 ★Texas Ratio: 0.66%	Conventional	1	0.1%	100%	$435,000	View
TowneBank 10035 Sliding Hill Rd, Ashland, VA 23005 A+5.0 ★Texas Ratio: 1.60%	Conventional	1	0.1%	100%	$195,000	View
ALCOVA Mortgage, LLC	Conventional, FHA, VA	49	4.1%	96.4%	$241,734
Atlantic Bay Mortgage Group	Conventional, FHA, VA	40	3.3%	97.6%	$191,750
Atlantic Coast Mortgage, LLC	Conventional, FHA, VA	34	2.8%	97.4%	$222,647
Prosperity Home Mortgage, LLC	Conventional, FHA	7	0.6%	100%	$200,714
Intercoastal Mortgage, LLC	Conventional, FHA, VA	6	0.5%	100%	$235,000
Capital Center LLC	Conventional	4	0.3%	100%	$235,000
C&F Mortgage Corporation A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	2	0.2%	100%	$25,000	View
First Heritage Mortgage, LLC	Conventional	2	0.2%	100%	$190,000
Integrity Home Mortgage Corporation	Conventional	2	0.2%	75%	$195,000
Archer Mortgage LLC	VA	1	0.1%	100%	$255,000
Vellum Mortgage, Inc.	Conventional	1	0.1%	100%	$365,000
Village Bank Mortgage	Conventional	1	0.1%	100%	$635,000
Rocket Mortgage	Conventional, FHA, VA	144	12%	82.3%	$222,777
Fairway Independent Mort Corp	Conventional, FHA, VA	81	6.7%	98.8%	$200,308
Nvr Mortgage Finance, Inc.	Conventional, FHA, VA	56	4.7%	66.7%	$287,321
United Wholesale Mortgage	Conventional, FHA, VA	55	4.6%	88.7%	$260,454
EMM Loans LLC	Conventional, FHA	32	2.7%	100%	$231,250
T2 Financial LLC	Conventional, FHA, VA	30	2.5%	100%	$222,666
SWBC Mortgage Corporation	Conventional, FHA, VA	25	2.1%	100%	$227,800
Mortgage Research Center	Conventional, FHA, VA	25	2.1%	73.5%	$248,200
Nation One Mortgage Corporatio	Conventional, FHA	24	2%	96%	$184,166
Lower, LLC	Conventional, FHA, VA	17	1.4%	94.7%	$245,588
Renasant Bank A+5.0 ★Texas Ratio: 4.72%	Conventional, FHA	16	1.3%	100%	$228,125	View
Freedom Mortgage Corporation	Conventional, FHA, VA	14	1.2%	90.9%	$251,428
Newrez LLC	Conventional, FHA, VA	13	1.1%	61.9%	$197,307
Nationstar Mortgage	Conventional, FHA, VA	13	1.1%	92.9%	$168,846
Pennymac Loan Services LLC	Conventional, FHA, VA	12	1%	85.7%	$210,000
Provident Funding Associates	Conventional	11	0.9%	100%	$265,000
Residential Wholesale Mortgage	Conventional, FHA, VA	10	0.8%	100%	$209,000
loanDepot.com LLC	Conventional, FHA	10	0.8%	83.3%	$113,000
Union Home Mortgage Corp.	Conventional, FHA	10	0.8%	90.9%	$314,000
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 3.36%	Conventional, FHA	9	0.7%	100%	$269,444	View
Movement Mortgage, LLC A+5.0 ★Texas Ratio: 0.40%	Conventional, HELOC	8 +1 HELOCs	0.7%	100%	$225,000	View
New American Funding, LLC.	Conventional, FHA, HELOC	8 +1 HELOCs	0.7%	72.7%	$186,250
Fidelity Direct Mortgage, LLC	Conventional, FHA, VA	8	0.7%	100%	$187,500
American Partners Federal Credit Union	Conventional	8	0.7%	100%	$66,250
American Financial Network, Inc.	Conventional, FHA	7	0.6%	100%	$203,571
Acre Mortgage & Financial, Inc.	Conventional, FHA, VA	7	0.6%	100%	$310,714
Cmg Mortgage Inc	Conventional, FHA, USDA	7	0.6%	100%	$233,571
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	7	0.6%	70%	$266,428	View
Goodleap, LLC	Conventional, FHA, HELOC	5 +4 HELOCs	0.4%	71.4%	$169,000
PHH Mortgage Corporation	Conventional, VA	5	0.4%	100%	$219,000
Spring Eq, LLC	Conventional, HELOC	4 +2 HELOCs	0.3%	44.4%	$52,500
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	4	0.3%	100%	$237,500	View
American Financial Resources LLC	Conventional, FHA	4	0.3%	100%	$195,000
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	4	0.3%	100%	$175,000
Kind Lending, LLC	Conventional, FHA	4	0.3%	100%	$270,000
Amerisave Mortgage Company	Conventional	4	0.3%	23.5%	$40,000
Waterstone Mortgage Corporation	Conventional, FHA	4	0.3%	100%	$80,000
First Reliance Bank A+5.0 ★Texas Ratio: 0.55%	Conventional	4	0.3%	100%	$155,000	View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +2 HELOCs	0.2%	100%	$128,333	View
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	FHA, VA	3	0.2%	75%	$248,333	View
Guild Mortgage Company	Conventional, FHA	3	0.2%	100%	$331,666
First Colony Mortgage Corporat	Conventional, VA	3	0.2%	100%	$241,666
Milend, Inc	Conventional, FHA	3	0.2%	100%	$191,666
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	FHA, VA	3	0.2%	75%	$341,666	View
Carrington Mortgage Services LLC	Conventional, FHA	3	0.2%	60%	$91,666
Village Capital & Investment	FHA, VA	3	0.2%	100%	$318,333
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional	2	0.2%	50%	$130,000	View
Royal United Mortgage LLC	Conventional	2	0.2%	100%	$155,000
Lakeview Loan Servicing, LLC	Conventional	2	0.2%	62.5%	$90,000
Sage Home Loans Corporation	Conventional	2	0.2%	100%	$215,000
Equity Prime Mortgage LLC	FHA	2	0.2%	100%	$175,000
CrossCountry Mortgage, LLC	Conventional, Jumbo	2	0.2%	66.7%	$605,000
American Security Mortgage Cor	Conventional	2	0.2%	100%	$530,000
Click n' Close, Inc.	Conventional, FHA	2	0.2%	100%	$155,000
American Financing Corporation	Conventional	2	0.2%	60%	$175,000
Uwharrie Bank A+5.0 ★Texas Ratio: 0.72%	Conventional	2	0.2%	100%	$345,000	View
Nfm, Inc	Conventional, FHA	2	0.2%	66.7%	$215,000
Churchill Mortgage Corporation	Conventional	2	0.2%	100%	$510,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, VA	2	0.2%	100%	$130,000	View
Mutual of Omaha Mortgage	Conventional, FHA, Jumbo	2	0.2%	50%	$780,000
General Electric Employees Federal Credit Union A5.0 ★Texas Ratio: 8.00%	Conventional	2	0.2%	100%	$35,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.2%	100%	$85,000	View
Bank of England A5.0 ★Texas Ratio: 6.45%	Conventional	1	0.1%	100%	$175,000	View
Genisys Credit Union	Conventional	1	0.1%	100%	$665,000
Alliant Credit Union	Conventional	1	0.1%	100%	$185,000
Originpoint, LLC	Conventional, Jumbo	1	0.1%	100%	$925,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$345,000	View
Premier Mortgage Resources, LLC	Conventional	1	0.1%	100%	$725,000
Guaranteed Rate Affinity, LLC	Conventional	1	0.1%	100%	$225,000
Guaranteed Rate, Inc.	Conventional	1	0.1%	50%	$315,000
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo	1	0.1%	100%	$1,375,000	View
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$155,000
Nbkc Bank	Conventional	1	0.1%	50%	$205,000
Tower Federal Credit Union	Conventional	1	0.1%	100%	$235,000
Filo Mortgage, LLC	VA	1	0.1%	100%	$285,000
Resicentral LLC	Conventional	1	0.1%	100%	$225,000
Deephaven Mortgage LLC	Conventional, Jumbo	1	0.1%	100%	$1,225,000
Capital City Home Loans, LLC	FHA	1	0.1%	100%	$255,000
First Home Mortgage	Conventional	1	0.1%	100%	$205,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	FHA	1	0.1%	100%	$225,000	View
Discover Bank	Conventional	1	0.1%	8.3%	$55,000
Sun West Mortgage Company, Inc	FHA	1	0.1%	100%	$245,000
Nextmortgage, LLC	FHA	1	0.1%	100%	$355,000
American Heritage Lending, LLC	Conventional	1	0.1%	100%	$495,000
Weichert Financial Services	VA	1	0.1%	100%	$255,000
Idb Global Federal Credit Union	Conventional	1	0.1%	100%	$165,000
Cardinal Financial Company, Li	Conventional	1	0.1%	100%	$205,000
Stg Mortgage Inc	Conventional	1	0.1%	100%	$175,000
New Day Financial, LLC.	FHA	1	0.1%	16.7%	$245,000
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$205,000	View
Beeline Loans, Inc.	Conventional	1	0.1%	50%	$245,000
American Pacific Mortgage Corporation	Conventional	1	0.1%	100%	$85,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	100%	$235,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$435,000	View
The Mortgage Firm	Conventional	1	0.1%	100%	$105,000
Saygo Home Loans, LLC	FHA	1	0.1%	100%	$235,000
Wings Financial Credit Union	Conventional	1	0.1%	100%	$245,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	100%	$65,000	View
Genway Home Mortgage, Inc.	VA	1	0.1%	33.3%	$185,000
The Loan Store, Inc	Conventional	1	0.1%	100%	$235,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	100%	$265,000	View
First Financial Bank A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0.1%	100%	$285,000	View
Fifth Third Bank, National Association A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0.1%	100%	$275,000	View
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	1	0.1%	100%	$295,000	View
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	1	0.1%	100%	$115,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$275,000	View
Paramount Residential Mortgage	FHA	1	0.1%	100%	$275,000
Plaza Home Mortgage, Inc	Conventional	1	0.1%	50%	$165,000
Ark-La-Tex Financial Services LLC	FHA	1	0.1%	50%	$185,000
The Mortgage Link, Inc.	FHA	1	0.1%	100%	$195,000
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$155,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0.1%	100%	$535,000	View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +9 HELOCs	0%	n/a		View
Figure Lending LLC	HELOC	0 +7 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +2 HELOCs	0%	n/a
Liberty Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Coastal Federal Credit Union B4.5 ★Texas Ratio: 20.96%	HELOC	0 +1 HELOCs	0%	n/a		View

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Lynchburg Mortgage Rate Trends

Daily average mortgage rates for Virginia compared with the national average, updated every evening.

30-Year Fixed VA Avg

7.501%

▲ 0.110 vs 7 days ago

15-Year Fixed VA Avg

6.940%

▲ 0.085 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Lynchburg, Virginia

Looking for mortgage lenders near me or mortgage brokers near me in Lynchburg? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lynchburg in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Lynchburg, VA

Use these to narrow the list above. Each category shows how many Lynchburg, VA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 89 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 60 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 19 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 61 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 35 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 10 lenders. Loans above the conforming limit for higher priced homes Local lenders based in VA 34 lenders headquartered in Virginia, the closest thing to a mortgage lender near you

Who Lends in Lynchburg, VA

Independent mortgage companies closed 72.6 percent of home loans in Lynchburg, Virginia in 2025, banks 19.5 percent and credit unions 8 percent. ALCOVA Mortgage, LLC was the largest mortgage company, Select Bank the largest bank and Central Virginia FCU the largest credit union. Among lenders headquartered in Virginia, Select Bank led with 23 loans.

72.6%

Mortgage companies

19.5%

Banks

Credit unions

23%

FHA loans

VA 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

All Virginia lenders 802 lenders Virginia Beach 307 lenders Chesapeake 236 lenders Norfolk 216 lenders Richmond 254 lenders Newport News 193 lenders Hampton 185 lenders Suffolk 178 lenders Arlington 238 lenders Portsmouth 176 lenders Alexandria 227 lenders Roanoke 164 lenders Reston 176 lenders

Frequently Asked Questions About Mortgage Lenders in Lynchburg, VA

Who is the largest mortgage lender in Lynchburg, VA?

By home loans closed in 2025, Select Bank was the largest mortgage lender in Lynchburg, Virginia with 23 loans, about 1.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Lynchburg, VA have the highest approval rates?

Among lenders with meaningful volume in Lynchburg, Virginia, Fairway Independent Mort Corp 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.

Which Lynchburg, VA mortgage lenders offer FHA, VA and USDA loans?

61 lenders closed FHA loans in Lynchburg, Virginia in 2025, led by Rocket Mortgage with 29. 35 lenders closed VA loans, led by Mortgage Research Center, and 1 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.

Are credit unions and local banks included in this Lynchburg, VA lender list?

Yes. 60 banks and 19 credit unions closed home loans in Lynchburg, Virginia in 2025, alongside 89 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.

How are mortgage lenders in Lynchburg, VA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Lynchburg, 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 Lynchburg, 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 Lynchburg. 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.