Mortgage Lenders and Brokers in Madison Heights, 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
Madison Heights, Virginia mortgage lenders include Truist BankTruist Bank4068 S Amherst Hwy, Madison Heights, VA 24572A+5.0 ★Texas Ratio: 2.87%, Wells Fargo Bank NAWells Fargo Bank NA118 Amelon Sq, Madison Heights, VA 24572A+5.0 ★Texas Ratio: 5.36%, Carter Bank and TrustCarter Bank and Trust4498 S Amherst Hwy, Madison Heights, VA 24572A5.0 ★Texas Ratio: 7.55%, The Farmers Bank of AppomattoxThe Farmers Bank of Appomattox223 Main St, Appomattox, VA 24522A+5.0 ★Texas Ratio: 3.79%, Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA 22306A5.0 ★Texas Ratio: 8.14%, Atlantic Union BankAtlantic Union Bank115 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 2.51%, Virginia Federal Credit UnionVirginia Federal Credit Union120 Seminole Ct, Charlottesville, VA 22901A5.0 ★Texas Ratio: 6.40%, Freedom First Federal Credit UnionFreedom First Federal Credit Union1204 S Main St, Blacksburg, VA 24060 5546A+5.0 ★Texas Ratio: 3.69%, Blue Eagle Credit UnionBlue Eagle Credit Union3178 Roanoke Rd, Daleville, VA 24083 3151A+5.0 ★Texas Ratio: 0.62%, and Central Virginia FCUCentral Virginia FCU109 Seminole Dr, Madison Heights, VA 24572 2447A5.0 ★Texas Ratio: 7.15%. 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 Madison Heights, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Madison Heights 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 Madison Heights, Virginia
Market share is the lender's share of all home loans closed in Madison Heights, 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 Madison Heights 4068 S Amherst Hwy, Madison Heights, VA 24572 A+5.0 ★Texas Ratio: 2.87% |
FHA, VA, HELOC | 2 +18 HELOCs |
0.8% | 100% | $195,000 | View |
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1 office in Madison Heights 118 Amelon Sq, Madison Heights, VA 24572 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.8% | 50% | $145,000 | View |
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1 office in Madison Heights 4498 S Amherst Hwy, Madison Heights, VA 24572 A5.0 ★Texas Ratio: 7.55% |
Conventional | 1 | 0.4% | 100% | $155,000 | View |
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223 Main St, Appomattox, VA 24522 A+5.0 ★Texas Ratio: 3.79% |
Conventional | 5 | 2.1% | 100% | $79,000 | View |
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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 4 +1 HELOCs |
1.7% | 100% | $152,500 | |
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115 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 2.51% |
Conventional, FHA, USDA | 4 | 1.7% | 100% | $142,500 | View |
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120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional, HELOC | 3 +3 HELOCs |
1.3% | 30% | $68,333 | View |
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1204 S Main St, Blacksburg, VA 24060 5546 A+5.0 ★Texas Ratio: 3.69% |
FHA | 3 | 1.3% | 100% | $185,000 | View |
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3178 Roanoke Rd, Daleville, VA 24083 3151 A+5.0 ★Texas Ratio: 0.62% |
Conventional | 3 | 1.3% | 100% | $98,333 | View |
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109 Seminole Dr, Madison Heights, VA 24572 2447 A5.0 ★Texas Ratio: 7.15% |
Conventional | 2 | 0.8% | 100% | $120,000 | View |
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4698 S Amherst Hwy, Madison Heights, VA 24572 A+5.0 ★Texas Ratio: 1.34% |
Conventional | 2 | 0.8% | 100% | $110,000 | View |
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12 HERBERT ST, Alexandria, VA 22305 A5.0 ★Texas Ratio: 10.99% |
Conventional | 1 | 0.4% | 100% | $145,000 | View |
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13701 US Highway 29 Ste I, Chatham, VA 24531 A5.0 ★Texas Ratio: 7.25% |
Conventional | 1 | 0.4% | 100% | $195,000 | View |
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933 E Main St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 3.79% |
Conventional | 1 | 0.4% | 100% | $75,000 | 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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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, FHA, VA, USDA | 10 | 4.2% | 100% | $232,000 | |
Integrity Home Mortgage Corporation
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Conventional, FHA, USDA | 7 | 3% | 100% | $210,714 | |
Atlantic Coast Mortgage, LLC
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Conventional, FHA, USDA | 6 | 2.5% | 100% | $153,333 | |
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A+5.0 ★Texas Ratio: 1.80% |
Conventional, HELOC | 3 +6 HELOCs |
1.3% | 42.9% | $258,333 | View |
Rocket Mortgage
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Conventional, FHA, VA | 38 | 16% | 85.1% | $182,368 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA | 16 | 6.8% | 80% | $223,750 | |
Fairway Independent Mort Corp
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Conventional, FHA | 16 | 6.8% | 100% | $189,375 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 8 | 3.4% | 80% | $207,500 | |
T2 Financial LLC
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Conventional, FHA, VA | 6 | 2.5% | 100% | $196,666 | |
Mortgage Research Center
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VA | 6 | 2.5% | 75% | $291,666 | |
Nation One Mortgage Corporatio
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Conventional, VA, USDA | 5 | 2.1% | 100% | $195,000 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 1.7% | 83.3% | $160,000 | |
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A+5.0 ★Texas Ratio: 3.36% |
Conventional, FHA, USDA | 3 | 1.3% | 100% | $225,000 | View |
American Financial Resources LLC
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Conventional, VA | 3 | 1.3% | 60% | $201,666 | |
Amerisave Mortgage Company
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Conventional, FHA | 3 | 1.3% | 60% | $115,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 3 | 1.3% | 100% | $261,666 | |
Lower, LLC
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Conventional, FHA | 3 | 1.3% | 75% | $188,333 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 3 | 1.3% | 50% | $125,000 | |
Spring Eq, LLC
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Conventional | 3 | 1.3% | 75% | $58,333 | |
EMM Loans LLC
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Conventional, FHA | 2 | 0.8% | 100% | $140,000 | |
Residential Wholesale Mortgage
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Conventional | 2 | 0.8% | 100% | $385,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 0.8% | 100% | $360,000 | |
loanDepot.com LLC
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Conventional | 2 | 0.8% | 100% | $45,000 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, FHA | 2 | 0.8% | 100% | $230,000 | View |
PHH Mortgage Corporation
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Conventional, FHA | 2 | 0.8% | 100% | $175,000 | |
American Financial Network, Inc.
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Conventional, FHA | 2 | 0.8% | 66.7% | $230,000 | |
Fidelity Direct Mortgage, LLC
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Conventional, FHA | 2 | 0.8% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional | 2 | 0.8% | 100% | $215,000 | View |
Click n' Close, Inc.
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Conventional, FHA | 2 | 0.8% | 100% | $155,000 | |
Nationstar Mortgage
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Conventional | 2 | 0.8% | 33.3% | $65,000 | |
Towne Mortgage Company
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USDA | 2 | 0.8% | 100% | $220,000 | |
Mutual of Omaha Mortgage
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Conventional, VA | 2 | 0.8% | 100% | $280,000 | |
American Partners Federal Credit Union
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Conventional | 2 | 0.8% | 100% | $140,000 | |
Loan Simple, Inc.
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FHA, USDA | 2 | 0.8% | 100% | $250,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 2 | 0.8% | 100% | $90,000 | |
Tomo Mortgage LLC
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Conventional | 2 | 0.8% | 100% | $215,000 | |
Premier Mortgage Resources, LLC
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Conventional | 1 | 0.4% | 100% | $175,000 | |
SWBC Mortgage Corporation
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USDA | 1 | 0.4% | 100% | $225,000 | |
Newrez LLC
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USDA | 1 | 0.4% | 50% | $215,000 | |
Nbkc Bank
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Conventional | 1 | 0.4% | 100% | $185,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.4% | 50% | $125,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.4% | 50% | $55,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
FHA | 1 | 0.4% | 100% | $325,000 | View |
Resicentral LLC
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FHA | 1 | 0.4% | 100% | $185,000 | |
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★ 5 stars, 1 review A5.0 ★Texas Ratio: 7.54% |
Conventional | 1 | 0.4% | 100% | $225,000 | View |
Data Mortgage, Inc
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FHA | 1 | 0.4% | 100% | $205,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.4% | 100% | $265,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.4% | 100% | $185,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.4% | 100% | $315,000 | View |
Milend, Inc
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FHA | 1 | 0.4% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 0.55% |
Conventional | 1 | 0.4% | 100% | $95,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.4% | 100% | $235,000 | |
New American Funding, LLC.
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VA | 1 | 0.4% | 50% | $295,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.4% | 100% | $45,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
FHA | 1 | 0.4% | 100% | $245,000 | View |
Reliance First Capital, LLC
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Conventional | 1 | 0.4% | 100% | $105,000 | |
Village Capital & Investment
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FHA | 1 | 0.4% | 100% | $285,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.4% | 100% | $205,000 | |
JMAC Lending, Inc.
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FHA | 1 | 0.4% | 100% | $315,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Genisys Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
State Employees Credit Union of MD
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Allegacy Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Madison Heights 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 Madison Heights, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Madison Heights? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Madison Heights in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Madison Heights, VA
Use these to narrow the list above. Each category shows how many Madison Heights, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Madison Heights, VA
Independent mortgage companies closed 78.5 percent of home loans in Madison Heights, Virginia in 2025, banks 12.2 percent and credit unions 9.3 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, Carter Bank and Trust led with 1 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 Madison Heights, VA
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Madison Heights, Virginia with 2 loans, about 0.8 percent of the market. The largest lender headquartered in Virginia was Carter Bank and Trust with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
35 lenders closed FHA loans in Madison Heights, Virginia in 2025, led by Rocket Mortgage with 12. 13 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. 19 banks and 12 credit unions closed home loans in Madison Heights, Virginia in 2025, alongside 50 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 Madison Heights, 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 Madison Heights, 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 Madison Heights. 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.
