Mortgage Lenders and Brokers in Rio, 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
Rio, Virginia mortgage lenders include Uva Community Credit UnionUva Community Credit Union13701 US Highway 29 Ste I, Chatham, VA 24531A5.0 ★Texas Ratio: 7.25%, 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%, Truist BankTruist Bank233 Wyndale Road, Abingdon, VA 24210A+5.0 ★Texas Ratio: 2.87%, Virginia Federal Credit UnionVirginia Federal Credit Union120 Seminole Ct, Charlottesville, VA 22901A5.0 ★Texas Ratio: 6.40%, Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA 22306A5.0 ★Texas Ratio: 8.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA106 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 3.68%, Presidential Bank, FSBPresidential Bank, FSB1515 Wilson Blvd, Arlington, VA 22209A-4.9 ★Texas Ratio: 16.48%, Farmers & Merchants BankFarmers & Merchants Bank100 Plaza Dr, Bridgewater, VA 22812A+5.0 ★Texas Ratio: 3.40%, and First National Bank of PAFirst National Bank of PA704 King Street, Alexandria, VA 22314A+5.0 ★Texas Ratio: 1.62%. 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 Rio, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Rio 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 Rio, Virginia
Market share is the lender's share of all home loans closed in Rio, 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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13701 US Highway 29 Ste I, Chatham, VA 24531 A5.0 ★Texas Ratio: 7.25% |
Conventional | 24 | 15.3% | 77.4% | $195,416 | View |
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95 Community St, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 4.85% |
Conventional, HELOC | 5 +1 HELOCs |
3.2% | 100% | $231,000 | View |
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42030 Village Center Plz, Aldie, VA 20105 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 4 +4 HELOCs |
2.5% | 100% | $467,500 | View |
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★ 1 stars, 1 review 233 Wyndale Road, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 2.87% |
Conventional, VA, HELOC | 2 +6 HELOCs |
1.3% | 66.7% | $370,000 | View |
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120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional | 2 | 1.3% | 100% | $285,000 | View |
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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 33.3% | $585,000 | |
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106 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.6% | 100% | $325,000 | View |
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1515 Wilson Blvd, Arlington, VA 22209 A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 0.6% | 100% | $425,000 | View |
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100 Plaza Dr, Bridgewater, VA 22812 A+5.0 ★Texas Ratio: 3.40% |
Conventional | 1 | 0.6% | 100% | $325,000 | View |
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704 King Street, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 1.62% |
Conventional | 1 | 0.6% | 100% | $365,000 | View |
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6566 Little River Tpke, Alexandria, VA 22312 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo | 1 | 0.6% | 100% | $875,000 | View |
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115 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 2.51% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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7901 Richmond Hwy, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 2.15% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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32 Windward Dr, Fishersville, VA 22939 A+5.0 ★Texas Ratio: 1.68% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Chartway FCU
575 Cedar Rd, Chesapeake, VA 23322 5564 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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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% | 0% | View | |
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933 E Main St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 3.79% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Gray Fox Mortgage, LLC
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Conventional, VA, Jumbo | 18 | 11.5% | 100% | $475,555 | |
First Heritage Mortgage, LLC
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Conventional | 6 | 3.8% | 100% | $446,666 | |
Atlantic Coast Mortgage, LLC
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Conventional | 3 | 1.9% | 100% | $328,333 | |
Capital Center LLC
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Conventional, FHA | 3 | 1.9% | 75% | $361,666 | |
Prosperity Home Mortgage, LLC
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Conventional | 2 | 1.3% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.6% | 100% | $265,000 | View |
Atlantic Bay Mortgage Group
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Conventional, Jumbo | 1 | 0.6% | 100% | $1,335,000 | |
Towne First Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $525,000 | |
Ussfcu
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA | 16 | 10.2% | 88.9% | $217,500 | |
Nfm, Inc
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Conventional | 7 | 4.5% | 100% | $372,142 | |
United Wholesale Mortgage
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Conventional, VA, Jumbo, HELOC | 6 +1 HELOCs |
3.8% | 100% | $410,000 | |
Cmg Mortgage Inc
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Conventional, FHA, USDA | 6 | 3.8% | 100% | $320,000 | |
Pennymac Loan Services LLC
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Conventional | 4 | 2.5% | 100% | $60,000 | |
Ross Mortgage Corporation
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Conventional, VA | 4 | 2.5% | 100% | $377,500 | |
Nationstar Mortgage
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Conventional | 4 | 2.5% | 100% | $152,500 | |
Guild Mortgage Company
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Conventional | 3 | 1.9% | 100% | $281,666 | |
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A+5.0 ★Texas Ratio: 3.36% |
Conventional | 2 | 1.3% | 100% | $460,000 | View |
Newrez LLC
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Conventional, VA | 2 | 1.3% | 100% | $760,000 | |
CrossCountry Mortgage, LLC
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Conventional | 2 | 1.3% | 100% | $460,000 | |
Union Home Mortgage Corp.
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Conventional | 2 | 1.3% | 100% | $270,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 2 | 1.3% | 100% | $1,820,000 | View |
Genisys Credit Union
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Conventional | 1 | 0.6% | 100% | $585,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.6% | 100% | $565,000 | View |
Premier Mortgage Resources, LLC
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Conventional | 1 | 0.6% | 100% | $305,000 | |
American Financial Resources LLC
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Conventional | 1 | 0.6% | 100% | $355,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.6% | 33.3% | $35,000 | |
Amerisave Mortgage Company
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VA | 1 | 0.6% | 33.3% | $315,000 | |
First State Bank of St Charles
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Conventional | 1 | 0.6% | 100% | $675,000 | |
Discover Bank
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Conventional | 1 | 0.6% | 50% | $35,000 | |
Total Mortgage Services, LLC
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Conventional | 1 | 0.6% | 100% | $455,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.6% | 100% | $595,000 | View |
Provident Funding Associates
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Conventional | 1 | 0.6% | 100% | $155,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.6% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.6% | 100% | $465,000 | View |
Mortgage Research Center
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VA | 1 | 0.6% | 50% | $645,000 | |
Saygo Home Loans, LLC
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Conventional | 1 | 0.6% | 50% | $565,000 | |
Nations Direct Mortgage, LLC
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FHA | 1 | 0.6% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.6% | 100% | $305,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.6% | 100% | $655,000 | View |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.6% | 100% | $215,000 | View |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 0.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Tower Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Library of Congress Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Rio 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 Rio, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Rio? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Rio in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Rio, VA
Use these to narrow the list above. Each category shows how many Rio, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Rio, VA
Independent mortgage companies closed 63.1 percent of home loans in Rio, Virginia in 2025, banks 19.1 percent and credit unions 17.8 percent. Gray Fox Mortgage, LLC was the largest mortgage company, Fulton Bank, National Association the largest bank and Uva Community Credit Union the largest credit union. Among lenders headquartered in Virginia, Uva Community Credit Union led with 24 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 Rio, VA
By home loans closed in 2025, Uva Community Credit Union was the largest mortgage lender in Rio, Virginia with 24 loans, about 15.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
4 lenders closed FHA loans in Rio, Virginia in 2025, led by Capital Center LLC with 1. 10 lenders closed VA loans, led by Truist Bank, 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.
Yes. 27 banks and 9 credit unions closed home loans in Rio, Virginia in 2025, alongside 28 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 Rio, 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 Rio, 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 Rio. 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.
