Mortgage Lenders and Brokers in Scottsville, 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
Scottsville, Virginia mortgage lenders include Truist BankTruist Bank146 James River Rd, Scottsville, VA 24590A+5.0 ★Texas Ratio: 2.87%, Uva Community Credit UnionUva Community Credit Union13701 US Highway 29 Ste I, Chatham, VA 24531A5.0 ★Texas Ratio: 7.25%, 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%, Atlantic Union BankAtlantic Union Bank115 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 2.51%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA106 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 3.68%, Fulton Bank, National AssociationFulton Bank, National Association95 Community St, Charlottesville, VA 22911A+5.0 ★Texas Ratio: 4.85%, United Bank VaUnited Bank Va7901 Richmond Hwy, Alexandria, VA 22306A+5.0 ★Texas Ratio: 2.15%, Dupont Community Credit UnionDupont Community Credit Union32 Windward Dr, Fishersville, VA 22939A+5.0 ★Texas Ratio: 1.68%, and Farmers & Merchants BankFarmers & Merchants Bank100 Plaza Dr, Bridgewater, VA 22812A+5.0 ★Texas Ratio: 3.40%. 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 Scottsville, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Scottsville 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 Scottsville, Virginia
Market share is the lender's share of all home loans closed in Scottsville, 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 Scottsville 146 James River Rd, Scottsville, VA 24590 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 2 +8 HELOCs |
1.1% | 100% | $350,000 | View |
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13701 US Highway 29 Ste I, Chatham, VA 24531 A5.0 ★Texas Ratio: 7.25% |
Conventional, FHA | 36 | 18.9% | 81.8% | $156,944 | View |
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120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional, HELOC | 3 +1 HELOCs |
1.6% | 100% | $61,666 | View |
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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, Jumbo, HELOC | 3 +1 HELOCs |
1.6% | 75% | $548,333 | |
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115 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 2.51% |
Conventional, HELOC | 2 +6 HELOCs |
1.1% | 100% | $40,000 | View |
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106 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1.1% | 100% | $210,000 | View |
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95 Community St, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 4.85% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $325,000 | View |
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7901 Richmond Hwy, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.5% | 50% | $735,000 | View |
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32 Windward Dr, Fishersville, VA 22939 A+5.0 ★Texas Ratio: 1.68% |
Conventional | 1 | 0.5% | 100% | $195,000 | View |
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100 Plaza Dr, Bridgewater, VA 22812 A+5.0 ★Texas Ratio: 3.40% |
Conventional | 1 | 0.5% | 100% | $205,000 | View |
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10035 Sliding Hill Rd, Ashland, VA 23005 A+5.0 ★Texas Ratio: 1.60% |
Conventional | 1 | 0.5% | 100% | $345,000 | View |
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950 N Glebe Rd, Arlington, VA 22203 A5.0 ★Texas Ratio: 7.72% |
HELOC | 0 +2 HELOCs |
0% | n/a | 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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210 Virginia Ave, Bridgewater, VA 22812 A+5.0 ★Texas Ratio: 0.34% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
First Heritage Mortgage, LLC
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Conventional, Jumbo | 7 | 3.7% | 100% | $376,428 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA, VA | 5 | 2.6% | 100% | $313,000 | |
Atlantic Coast Mortgage, LLC
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Conventional, FHA | 4 | 2.1% | 100% | $335,000 | |
Capital Center LLC
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Conventional, FHA | 3 | 1.6% | 75% | $335,000 | |
Colonial Farm Credit ACA
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Conventional | 3 | 1.6% | 100% | $508,333 | |
ALCOVA Mortgage, LLC
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Conventional, FHA | 2 | 1.1% | 100% | $280,000 | |
Gray Fox Mortgage, LLC
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Conventional | 2 | 1.1% | 100% | $205,000 | |
Farm Credit of the Virginias, ACA
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Conventional | 2 | 1.1% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.5% | 100% | $295,000 | View |
First Savings Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $425,000 | |
Atlantic Bay Mortgage Group
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Conventional | 1 | 0.5% | 100% | $705,000 | |
Integrity Home Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $505,000 | |
Towne First Mortgage, LLC
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FHA | 1 | 0.5% | 100% | $345,000 | |
Towne Mortgage
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Conventional | 1 | 0.5% | 100% | $775,000 | |
Rocket Mortgage
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Conventional, FHA | 25 | 13.2% | 81.2% | $251,800 | |
Cmg Mortgage Inc
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Conventional, FHA, VA, USDA, Jumbo | 11 | 5.8% | 100% | $408,636 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 8 | 4.2% | 100% | $456,250 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 5 | 2.6% | 71.4% | $373,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 4 | 2.1% | 40% | $97,500 | |
Freedom Mortgage Corporation
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Conventional, VA | 3 | 1.6% | 100% | $318,333 | |
Newrez LLC
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Conventional, VA | 3 | 1.6% | 50% | $251,666 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, FHA, VA | 3 | 1.6% | 100% | $431,666 | View |
Mortgage Research Center
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VA | 3 | 1.6% | 42.9% | $308,333 | |
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A+5.0 ★Texas Ratio: 3.36% |
Conventional, FHA | 2 | 1.1% | 100% | $390,000 | View |
loanDepot.com LLC
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Conventional | 2 | 1.1% | 66.7% | $135,000 | |
New Day Financial, LLC.
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VA | 2 | 1.1% | 50% | $420,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 2 | 1.1% | 100% | $115,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 1.1% | 33.3% | $250,000 | |
State Employees' Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $275,000 | View |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.5% | 50% | $225,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.5% | 25% | $395,000 | |
Go Mortgage, LLC
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FHA | 1 | 0.5% | 100% | $265,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.5% | 100% | $265,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.5% | 100% | $105,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.5% | 100% | $205,000 | |
Guild Mortgage Company
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FHA | 1 | 0.5% | 100% | $315,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.5% | 100% | $165,000 | |
Ross Mortgage Corporation
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FHA | 1 | 0.5% | 100% | $345,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.5% | 100% | $245,000 | |
Elements Financial Federal Cre
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Conventional | 1 | 0.5% | 100% | $505,000 | |
Calcon Mutual Mortgage LLC
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VA | 1 | 0.5% | 100% | $275,000 | |
Nfm, Inc
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Conventional | 1 | 0.5% | 100% | $325,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.5% | 100% | $505,000 | View |
Planet Home Lending, LLC
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FHA | 1 | 0.5% | 100% | $445,000 | |
Waterstone Mortgage Corporation
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FHA | 1 | 0.5% | 100% | $125,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.5% | 100% | $445,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.5% | 100% | $265,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.5% | 25% | $165,000 | |
Towne Mortgage Company
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Conventional | 1 | 0.5% | 100% | $245,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.5% | 100% | $215,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.5% | 100% | $405,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.5% | 100% | $425,000 | View |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.5% | 100% | $25,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.5% | 100% | $355,000 | |
Village Capital & Investment
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VA | 1 | 0.5% | 100% | $255,000 | |
Tower Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Figure Lending LLC
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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 | ||
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Scottsville 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 Scottsville, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Scottsville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Scottsville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Scottsville, VA
Use these to narrow the list above. Each category shows how many Scottsville, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Scottsville, VA
Independent mortgage companies closed 64.2 percent of home loans in Scottsville, Virginia in 2025, banks 12.1 percent and credit unions 23.7 percent. First Heritage Mortgage, LLC was the largest mortgage company, Truist Bank the largest bank and Uva Community Credit Union the largest credit union. Among lenders headquartered in Virginia, Uva Community Credit Union led with 36 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 Scottsville, VA
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Scottsville, Virginia with 2 loans, about 1.1 percent of the market. The largest lender headquartered in Virginia was Uva Community Credit Union with 36 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
20 lenders closed FHA loans in Scottsville, Virginia in 2025, led by Rocket Mortgage with 5. 14 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.
Yes. 20 banks and 9 credit unions closed home loans in Scottsville, Virginia in 2025, alongside 45 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 Scottsville, 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 Scottsville, 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 Scottsville. 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.
