Mortgage Lenders and Brokers in Smithfield, 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
Smithfield, Virginia mortgage lenders include Truist BankTruist Bank1803 S Church St, Smithfield, VA 23430A+5.0 ★Texas Ratio: 2.87%, Wells Fargo Bank NAWells Fargo Bank NA13400 Benns Church Blvd, Smithfield, VA 23430A+5.0 ★Texas Ratio: 5.36%, Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA 22306A5.0 ★Texas Ratio: 8.14%, BayPort Credit UnionBayPort Credit Union1290 Benns Church Blvd, Smithfield, VA 23430A+5.0 ★Texas Ratio: 4.37%, Langley Federal Credit UnionLangley Federal Credit Union13478 Carrollton Blvd Ste A, Carrollton, VA 23314A5.0 ★Texas Ratio: 10.20%, TowneBankTowneBank1119 S Church St, Smithfield, VA 23430A+5.0 ★Texas Ratio: 1.60%, Bank of America NABank of America NA42030 Village Center Plz, Aldie, VA 20105A+5.0 ★Texas Ratio: 4.14%, 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%, and Virginia Federal Credit UnionVirginia Federal Credit Union120 Seminole Ct, Charlottesville, VA 22901A5.0 ★Texas Ratio: 6.40%. 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 Smithfield, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Smithfield 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 Smithfield, Virginia
Market share is the lender's share of all home loans closed in Smithfield, 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 Smithfield 1803 S Church St, Smithfield, VA 23430 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 3 +6 HELOCs |
0.9% | 100% | $285,000 | View |
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1 office in Smithfield 13400 Benns Church Blvd, Smithfield, VA 23430 A+5.0 ★Texas Ratio: 5.36% |
Conventional, VA | 3 | 0.9% | 100% | $231,666 | View |
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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 28 +9 HELOCs |
8.2% | 84.8% | $273,214 | |
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1290 Benns Church Blvd, Smithfield, VA 23430 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 9 +19 HELOCs |
2.6% | 83.3% | $192,777 | View |
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13478 Carrollton Blvd Ste A, Carrollton, VA 23314 A5.0 ★Texas Ratio: 10.20% |
Conventional, HELOC | 8 +26 HELOCs |
2.3% | 100% | $382,500 | View |
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1119 S Church St, Smithfield, VA 23430 A+5.0 ★Texas Ratio: 1.60% |
Conventional, VA, HELOC | 6 +3 HELOCs |
1.8% | 100% | $440,000 | View |
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42030 Village Center Plz, Aldie, VA 20105 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 2 +6 HELOCs |
0.6% | 100% | $570,000 | View |
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106 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.6% | 100% | $290,000 | View |
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1515 Wilson Blvd, Arlington, VA 22209 A-4.9 ★Texas Ratio: 16.48% |
VA | 2 | 0.6% | 100% | $590,000 | View |
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120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional | 1 | 0.3% | 100% | $385,000 | View |
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7485 Richmond Highway, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 4.11% |
VA | 1 | 0.3% | 100% | $475,000 | View |
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950 N Glebe Rd, Arlington, VA 22203 A5.0 ★Texas Ratio: 7.72% |
Conventional | 1 | 0.3% | 100% | $425,000 | View |
Chartway FCU
575 Cedar Rd, Chesapeake, VA 23322 5564 |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
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1109 Cedar Rd, Chesapeake, VA 23322 7198 A+5.0 ★Texas Ratio: 5.45% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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95 Community St, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 4.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 3131 Duke St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA, Jumbo | 21 | 6.1% | 100% | $356,904 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA, VA | 8 | 2.3% | 100% | $345,000 | |
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A4.7 ★Texas Ratio: 0.83% |
Conventional, FHA, VA | 5 | 1.5% | 83.3% | $505,000 | View |
RW Towne, LLC
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Conventional, VA, Jumbo | 4 | 1.2% | 100% | $987,500 | |
Atlantic Coast Mortgage, LLC
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Conventional, VA | 3 | 0.9% | 100% | $368,333 | |
Towne Mortgage
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Conventional, VA | 3 | 0.9% | 100% | $361,666 | |
Tidewater Home Funding, LLC
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Conventional | 1 | 0.3% | 100% | $205,000 | |
Tidewater Mortgage Services, Inc
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FHA | 1 | 0.3% | 100% | $285,000 | |
ALCOVA Mortgage, LLC
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VA | 1 | 0.3% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 100% | $65,000 | View |
Capital Center LLC
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Conventional | 1 | 0.3% | 100% | $325,000 | |
CityWorth Mortgage LLC
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VA | 1 | 0.3% | 100% | $755,000 | |
1St Advantage Federal Credit U
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 22 +2 HELOCs |
6.4% | 92.6% | $436,363 | |
Rocket Mortgage
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Conventional, FHA, VA | 21 | 6.1% | 77.8% | $375,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA, VA | 17 | 5% | 100% | $363,823 | |
Mortgage Research Center
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VA | 16 | 4.7% | 84.2% | $412,500 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, FHA, VA, HELOC | 13 +2 HELOCs |
3.8% | 93.3% | $365,769 | View |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 13 | 3.8% | 100% | $470,384 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 12 | 3.5% | 85.7% | $332,500 | |
Newrez LLC
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Conventional, VA, Jumbo | 7 | 2% | 72.7% | $779,285 | |
Calcon Mutual Mortgage LLC
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Conventional, FHA, VA | 7 | 2% | 100% | $380,714 | |
Mutual of Omaha Mortgage
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Conventional, FHA, VA | 7 | 2% | 87.5% | $299,285 | |
DHI Mortgage Company, LTD.
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FHA, VA | 7 | 2% | 87.5% | $625,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 5 | 1.5% | 100% | $315,000 | |
T2 Financial LLC
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VA | 5 | 1.5% | 100% | $599,000 | |
Nationstar Mortgage
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Conventional, VA | 5 | 1.5% | 83.3% | $241,000 | |
Spring Eq, LLC
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Conventional, HELOC | 4 +1 HELOCs |
1.2% | 80% | $77,500 | |
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A+5.0 ★Texas Ratio: 3.36% |
Conventional, FHA, VA | 4 | 1.2% | 100% | $490,000 | View |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 4 | 1.2% | 100% | $407,500 | View |
Nvr Mortgage Finance, Inc.
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Conventional, FHA | 4 | 1.2% | 100% | $327,500 | |
New American Funding, LLC.
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FHA | 4 | 1.2% | 66.7% | $372,500 | |
loanDepot.com LLC
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Conventional, FHA, VA | 3 | 0.9% | 75% | $298,333 | |
Loanunited.Com, LLC
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VA | 3 | 0.9% | 100% | $478,333 | |
Cmg Mortgage Inc
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Conventional | 3 | 0.9% | 100% | $365,000 | |
City 1st Mortgage Services, LC
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Conventional, FHA, VA | 3 | 0.9% | 100% | $371,666 | |
VanDyk Mortgage Corporation
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Conventional, VA | 3 | 0.9% | 100% | $525,000 | |
Guaranteed Rate, Inc.
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VA | 2 | 0.6% | 100% | $535,000 | |
Primelending
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Conventional | 2 | 0.6% | 100% | $410,000 | |
Embrace Home Loans, Inc.
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Conventional, FHA | 2 | 0.6% | 100% | $210,000 | |
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A+5.0 ★Texas Ratio: 0.70% |
VA, Jumbo | 2 | 0.6% | 100% | $710,000 | View |
Carrington Mortgage Services LLC
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Conventional, VA | 2 | 0.6% | 50% | $440,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional, VA | 2 | 0.6% | 100% | $420,000 | View |
EMM Loans LLC
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VA | 1 | 0.3% | 100% | $495,000 | |
Cornerstone First Mortgage, LLC
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FHA | 1 | 0.3% | 100% | $565,000 | |
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A5.0 ★Texas Ratio: 11.06% |
FHA | 1 | 0.3% | 100% | $285,000 | View |
Everett Financial, Inc.
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Conventional | 1 | 0.3% | 100% | $285,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.3% | 40% | $55,000 | |
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A+5.0 ★Texas Ratio: 4.31% |
VA | 1 | 0.3% | 100% | $425,000 | View |
Envoy Mortgage, Ltd
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VA, Jumbo | 1 | 0.3% | 50% | $1,205,000 | |
Amerisave Mortgage Company
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VA | 1 | 0.3% | 20% | $715,000 | |
Guild Mortgage Company
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VA | 1 | 0.3% | 100% | $315,000 | |
American Financial Network, Inc.
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VA | 1 | 0.3% | 100% | $425,000 | |
First Home Mortgage
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FHA | 1 | 0.3% | 100% | $355,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.3% | 100% | $245,000 | |
Nation One Mortgage Corporatio
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FHA | 1 | 0.3% | 100% | $605,000 | |
Service Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.3% | 100% | $475,000 | View |
Towne Mortgage Company
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Conventional | 1 | 0.3% | 100% | $245,000 | |
Lower, LLC
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FHA | 1 | 0.3% | 50% | $285,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.3% | 100% | $755,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 100% | $535,000 | View |
Paramount Residential Mortgage
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VA | 1 | 0.3% | 100% | $695,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.3% | 9.1% | $45,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.3% | 100% | $225,000 | |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
Kind Lending, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Smithfield 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 Smithfield, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Smithfield? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Smithfield in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Smithfield, VA
Use these to narrow the list above. Each category shows how many Smithfield, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Smithfield, VA
Independent mortgage companies closed 72.5 percent of home loans in Smithfield, Virginia in 2025, banks 13.7 percent and credit unions 13.7 percent. Atlantic Bay Mortgage Group was the largest mortgage company, Truist Bank the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in Virginia, Navy Federal Credit Union led with 28 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 Smithfield, VA
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Smithfield, Virginia with 3 loans, about 0.9 percent of the market. The largest lender headquartered in Virginia was Navy Federal Credit Union with 28 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
27 lenders closed FHA loans in Smithfield, Virginia in 2025, led by American Neighborhood Mortgage Acceptance Company with 7. 46 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. 25 banks and 9 credit unions closed home loans in Smithfield, Virginia in 2025, alongside 52 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 Smithfield, 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 Smithfield, 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 Smithfield. 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.
