Mortgage Lenders and Brokers in Montrose, 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
Montrose, Virginia mortgage lenders include Virginia Federal Credit UnionVirginia Federal Credit Union120 Seminole Ct, Charlottesville, VA 22901A5.0 ★Texas Ratio: 6.40%, United Bank VaUnited Bank Va7901 Richmond Hwy, Alexandria, VA 22306A+5.0 ★Texas Ratio: 2.15%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA106 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 3.68%, TowneBankTowneBank10035 Sliding Hill Rd, Ashland, VA 23005A+5.0 ★Texas Ratio: 1.60%, Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA 22306A5.0 ★Texas Ratio: 8.14%, Wells Fargo Bank NAWells Fargo Bank NA332 Cummings St, Abingdon, VA 24210A+5.0 ★Texas Ratio: 5.36%, Atlantic Union BankAtlantic Union Bank115 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 2.51%, Fulton Bank, National AssociationFulton Bank, National Association95 Community St, Charlottesville, VA 22911A+5.0 ★Texas Ratio: 4.85%, Bank of America NABank of America NA42030 Village Center Plz, Aldie, VA 20105A+5.0 ★Texas Ratio: 4.14%, and Dupont Community Credit UnionDupont Community Credit Union32 Windward Dr, Fishersville, VA 22939A+5.0 ★Texas Ratio: 1.68%. 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 Montrose, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Montrose 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 Montrose, Virginia
Market share is the lender's share of all home loans closed in Montrose, 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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120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional, FHA, VA, HELOC | 10 +2 HELOCs |
6% | 83.3% | $191,000 | View |
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7901 Richmond Hwy, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 2.15% |
Conventional, FHA | 8 | 4.8% | 100% | $201,250 | View |
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106 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 6 | 3.6% | 85.7% | $206,666 | View |
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10035 Sliding Hill Rd, Ashland, VA 23005 A+5.0 ★Texas Ratio: 1.60% |
Conventional, FHA | 4 | 2.4% | 100% | $207,500 | View |
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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +1 HELOCs |
1.8% | 100% | $218,333 | |
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332 Cummings St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 1.8% | 75% | $108,333 | View |
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115 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 2.51% |
Conventional, FHA, HELOC | 2 +2 HELOCs |
1.2% | 100% | $255,000 | View |
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95 Community St, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 4.85% |
Conventional | 2 | 1.2% | 100% | $110,000 | View |
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42030 Village Center Plz, Aldie, VA 20105 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $255,000 | View |
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32 Windward Dr, Fishersville, VA 22939 A+5.0 ★Texas Ratio: 1.68% |
Conventional | 1 | 0.6% | 100% | $235,000 | View |
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2288 Cartersville Rd, Cartersville, VA 23027 A+5.0 ★Texas Ratio: 0.62% |
Conventional | 1 | 0.6% | 100% | $65,000 | View |
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1515 Wilson Blvd, Arlington, VA 22209 A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 0.6% | 100% | $315,000 | View |
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13478 Carrollton Blvd Ste A, Carrollton, VA 23314 A5.0 ★Texas Ratio: 10.20% |
Conventional | 1 | 0.6% | 100% | $255,000 | View |
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10401 Woodman Rd, Glen Allen, VA 23060 A5.0 ★Texas Ratio: 8.10% |
Conventional | 1 | 0.6% | 100% | $105,000 | View |
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2801 Conduit Rd, Colonial Heights, VA 23834 2971 A5.0 ★Texas Ratio: 6.74% |
Conventional | 1 | 0.6% | 100% | $35,000 | View |
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★ 1 stars, 1 review 233 Wyndale Road, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 5 | 3% | 100% | $257,000 | View |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA | 4 | 2.4% | 100% | $250,000 | |
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A4.7 ★Texas Ratio: 0.83% |
Conventional, FHA | 2 | 1.2% | 100% | $175,000 | View |
Towne First Mortgage, LLC
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Conventional, FHA | 2 | 1.2% | 100% | $295,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 2 | 1.2% | 100% | $115,000 | |
Atlantic Coast Mortgage, LLC
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VA | 1 | 0.6% | 100% | $285,000 | |
ALCOVA Mortgage, LLC
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FHA | 1 | 0.6% | 100% | $255,000 | |
C&F Select LLC
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FHA | 1 | 0.6% | 100% | $235,000 | |
Credit Union Mortgage Associat
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Conventional | 1 | 0.6% | 100% | $205,000 | |
First Heritage Mortgage, LLC
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FHA | 1 | 0.6% | 100% | $325,000 | |
Integrity Home Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $195,000 | |
Village Bank Mortgage
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FHA | 1 | 0.6% | 100% | $235,000 | |
1St Advantage Federal Credit U
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA | 22 | 13.3% | 82.8% | $188,636 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 8 | 4.8% | 72.7% | $216,250 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, FHA, HELOC | 5 +1 HELOCs |
3% | 100% | $167,000 | View |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 5 | 3% | 83.3% | $115,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 5 | 3% | 100% | $179,000 | |
Nfm, Inc
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Conventional, VA | 4 | 2.4% | 100% | $270,000 | |
Mortgage Research Center
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VA | 4 | 2.4% | 50% | $287,500 | |
Amerisave Mortgage Company
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Conventional, FHA, VA | 3 | 1.8% | 50% | $211,666 | |
Cmg Mortgage Inc
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Conventional, FHA | 3 | 1.8% | 100% | $241,666 | |
Goodleap, LLC
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FHA, HELOC | 2 +2 HELOCs |
1.2% | 100% | $225,000 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 2 | 1.2% | 100% | $175,000 | |
CrossCountry Mortgage, LLC
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Conventional | 2 | 1.2% | 100% | $235,000 | |
loanDepot.com LLC
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Conventional, VA | 2 | 1.2% | 66.7% | $300,000 | |
Planet Home Lending, LLC
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Conventional, FHA | 2 | 1.2% | 100% | $120,000 | |
Nationstar Mortgage
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Conventional, FHA | 2 | 1.2% | 100% | $190,000 | |
Carrington Mortgage Services LLC
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FHA | 2 | 1.2% | 40% | $235,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
FHA | 2 | 1.2% | 50% | $345,000 | View |
Liberty Federal Credit Union
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Conventional | 1 | 0.6% | 100% | $185,000 | |
Primelending
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Conventional | 1 | 0.6% | 100% | $235,000 | |
Affordable Mortgage Advisors
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FHA | 1 | 0.6% | 100% | $345,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.6% | 50% | $55,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.6% | 100% | $415,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.6% | 50% | $335,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.6% | 100% | $285,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.6% | 100% | $455,000 | |
Nih Federal Credit Union
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Conventional | 1 | 0.6% | 100% | $55,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.6% | 100% | $265,000 | |
First Home Mortgage
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VA | 1 | 0.6% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
FHA | 1 | 0.6% | 50% | $335,000 | View |
First Alliance Home Mortgage, LLC
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FHA | 1 | 0.6% | 100% | $275,000 | |
Network Capital Funding Corporation
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VA | 1 | 0.6% | 100% | $145,000 | |
Union Home Mortgage Corp.
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VA | 1 | 0.6% | 100% | $285,000 | |
Bay Equity LLC
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Conventional | 1 | 0.6% | 100% | $295,000 | |
Linkbank
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Conventional | 1 | 0.6% | 100% | $215,000 | |
Calcon Mutual Mortgage LLC
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FHA | 1 | 0.6% | 100% | $315,000 | |
Encompass Lending Group, L.P.
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FHA | 1 | 0.6% | 100% | $355,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.6% | 33.3% | $215,000 | |
Lower, LLC
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FHA | 1 | 0.6% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.6% | 100% | $135,000 | View |
Reliance First Capital, LLC
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FHA | 1 | 0.6% | 100% | $125,000 | |
Village Capital & Investment
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VA | 1 | 0.6% | 100% | $245,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
The Loan Store, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a |
Montrose 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 Montrose, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Montrose? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Montrose in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Montrose, VA
Use these to narrow the list above. Each category shows how many Montrose, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Montrose, VA
Independent mortgage companies closed 62.7 percent of home loans in Montrose, Virginia in 2025, banks 25.3 percent and credit unions 12 percent. Atlantic Bay Mortgage Group was the largest mortgage company, United Bank Va the largest bank and Virginia Federal Credit Union the largest credit union. Among lenders headquartered in Virginia, Virginia Federal Credit Union led with 10 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 Montrose, VA
By home loans closed in 2025, Virginia Federal Credit Union was the largest mortgage lender in Montrose, Virginia with 10 loans, about 6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
36 lenders closed FHA loans in Montrose, Virginia in 2025, led by Rocket Mortgage with 11. 17 lenders closed VA loans, led by Mortgage Research Center. 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 10 credit unions closed home loans in Montrose, Virginia in 2025, alongside 43 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 Montrose, 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 Montrose, 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 Montrose. 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.
