Mortgage Lenders and Brokers in Ridgeway, Virginia
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Ridgeway, Virginia mortgage lenders include Carter Bank and TrustCarter Bank and Trust166 Horsepasture Price Rd, Ridgeway, VA 24148A5.0 ★Texas Ratio: 7.55%, Atlantic Union BankAtlantic Union Bank3810 Greensboro Rd, Ridgeway, VA 24148A+5.0 ★Texas Ratio: 2.51%, Blue Ridge BankBlue Ridge Bank18 Sandy St, Callao, VA 22435A5.0 ★Texas Ratio: 8.11%, The Fidelity BankThe Fidelity Bank3300 Virginia Ave, Collinsville, VA 24078A+5.0 ★Texas Ratio: 3.02%, First Horizon BankFirst Horizon Bank21263 Lankford Hwy, Cape Charles, VA 23310A+5.0 ★Texas Ratio: 5.76%, Wells Fargo Bank NAWells Fargo Bank NA332 Cummings St, Abingdon, VA 24210A+5.0 ★Texas Ratio: 5.36%, First Bank and Trust CompanyFirst Bank and Trust Company933 E Main St, Abingdon, VA 24210A+5.0 ★Texas Ratio: 3.79%, Valleystar Credit UnionValleystar Credit Union41 Wheeler Ave, Collinsville, VA 24078 2417A5.0 ★Texas Ratio: 10.13%, Truist BankTruist Bank233 Wyndale Road, Abingdon, VA 24210A+5.0 ★Texas Ratio: 2.87%, and Citizens Bank, NACitizens Bank, NA1700 Diagonal Rd, Alexandria, VA 22314A+5.0 ★Texas Ratio: 5.44%. 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 Ridgeway, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ridgeway 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 Ridgeway, Virginia
Market share is the lender's share of all home loans closed in Ridgeway, 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 |
|---|---|---|---|---|---|---|
|
1 office in Ridgeway 166 Horsepasture Price Rd, Ridgeway, VA 24148 A5.0 ★Texas Ratio: 7.55% |
Conventional | 1 | 1.2% | 100% | $215,000 | View |
|
1 office in Ridgeway 3810 Greensboro Rd, Ridgeway, VA 24148 A+5.0 ★Texas Ratio: 2.51% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
|
18 Sandy St, Callao, VA 22435 A5.0 ★Texas Ratio: 8.11% |
Conventional, FHA | 4 | 4.9% | 100% | $175,000 | View |
|
3300 Virginia Ave, Collinsville, VA 24078 A+5.0 ★Texas Ratio: 3.02% |
Conventional, FHA, HELOC | 2 +4 HELOCs |
2.4% | 100% | $240,000 | View |
|
★ 5 stars, 1 review 21263 Lankford Hwy, Cape Charles, VA 23310 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 1.2% | 100% | $265,000 | View |
|
332 Cummings St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.2% | 100% | $135,000 | View |
|
933 E Main St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 3.79% |
Conventional | 1 | 1.2% | 100% | $95,000 | View |
|
41 Wheeler Ave, Collinsville, VA 24078 2417 A5.0 ★Texas Ratio: 10.13% |
HELOC | 0 +8 HELOCs |
0% | n/a | View | |
|
★ 1 stars, 1 review 233 Wyndale Road, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +5 HELOCs |
0% | 0% | View | |
|
1700 Diagonal Rd, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
ALCOVA Mortgage, LLC
|
Conventional, FHA, VA, USDA | 14 | 17.1% | 100% | $172,857 | |
Atlantic Bay Mortgage Group
|
Conventional, FHA | 5 | 6.1% | 100% | $91,000 | |
Atlantic Coast Mortgage, LLC
|
Conventional, FHA | 4 | 4.9% | 100% | $80,000 | |
|
A+5.0 ★Texas Ratio: 4.11% |
USDA | 1 | 1.2% | 100% | $185,000 | View |
Rocket Mortgage
|
Conventional, FHA, VA | 15 | 18.3% | 75% | $129,666 | |
United Wholesale Mortgage
|
Conventional, FHA, VA | 5 | 6.1% | 100% | $205,000 | |
New Day Financial, LLC.
|
VA | 3 | 3.7% | 100% | $275,000 | |
Mortgage Research Center
|
VA | 3 | 3.7% | 60% | $225,000 | |
Pennymac Loan Services LLC
|
Conventional, FHA | 2 | 2.4% | 100% | $160,000 | |
Union Home Mortgage Corp.
|
FHA, USDA | 2 | 2.4% | 100% | $205,000 | |
Vanderbilt Mortgage and Finance, Inc
|
Conventional | 2 | 2.4% | 20% | $125,000 | |
Mason-McDuffie Mortgage Corporation
|
Conventional, FHA | 2 | 2.4% | 100% | $85,000 | |
New American Funding, LLC.
|
FHA, HELOC | 1 +1 HELOCs |
1.2% | 100% | $85,000 | |
American Financial Resources LLC
|
FHA | 1 | 1.2% | 100% | $215,000 | |
SWBC Mortgage Corporation
|
FHA | 1 | 1.2% | 100% | $165,000 | |
Freedom Mortgage Corporation
|
FHA | 1 | 1.2% | 100% | $125,000 | |
Newrez LLC
|
Conventional | 1 | 1.2% | 100% | $125,000 | |
Equity Prime Mortgage LLC
|
FHA | 1 | 1.2% | 33.3% | $115,000 | |
AmeriHome Mortgage Company, LLC
|
FHA | 1 | 1.2% | 100% | $345,000 | |
Truliant Federal Credit Union
|
Conventional | 1 | 1.2% | 50% | $25,000 | |
Nations Lending Corporation
|
Conventional | 1 | 1.2% | 100% | $125,000 | |
Nationstar Mortgage
|
Conventional | 1 | 1.2% | 100% | $85,000 | |
Victorian Finance, LLC
|
Conventional | 1 | 1.2% | 100% | $125,000 | |
Zillow Home Loans, LLC
|
Conventional | 1 | 1.2% | 100% | $125,000 | |
Fairway Independent Mort Corp
|
FHA | 1 | 1.2% | 100% | $325,000 | |
|
A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 1.2% | 100% | $145,000 | View |
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
loanDepot.com LLC
|
HELOC | 0 +1 HELOCs |
0% | 0% | ||
Figure Lending LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Ridgeway 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 Ridgeway, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Ridgeway? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ridgeway in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ridgeway, VA
Use these to narrow the list above. Each category shows how many Ridgeway, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Ridgeway, VA
Independent mortgage companies closed 84.1 percent of home loans in Ridgeway, Virginia in 2025, banks 14.6 percent and credit unions 1.2 percent. ALCOVA Mortgage, LLC was the largest mortgage company, Carter Bank and Trust the largest bank and Valleystar 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 Ridgeway, VA
By home loans closed in 2025, Carter Bank and Trust was the largest mortgage lender in Ridgeway, Virginia with 1 loans, about 1.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
17 lenders closed FHA loans in Ridgeway, Virginia in 2025, led by ALCOVA Mortgage, LLC with 5. 5 lenders closed VA loans, led by New Day Financial, LLC., and 3 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. 12 banks and 2 credit unions closed home loans in Ridgeway, Virginia in 2025, alongside 25 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 Ridgeway, 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 Ridgeway, 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 Ridgeway. 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.
