Mortgage Lenders and Brokers in South Boston, 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
South Boston, Virginia mortgage lenders include Benchmark Community BankBenchmark Community Bank1135 Huell Matthews Hwy, South Boston, VA 24592A+5.0 ★Texas Ratio: 1.65%, Truist BankTruist Bank4030 Halifax Rd, South Boston, VA 24592A+5.0 ★Texas Ratio: 2.87%, Wells Fargo Bank NAWells Fargo Bank NA3300 Halifax Rd, South Boston, VA 24592A+5.0 ★Texas Ratio: 5.36%, Atlantic Union BankAtlantic Union Bank3609 Old Halifax Rd, South Boston, VA 24592A+5.0 ★Texas Ratio: 2.51%, First Horizon BankFirst Horizon Bank410 Main St, South Boston, VA 24592A+5.0 ★Texas Ratio: 5.76%, Carter Bank and TrustCarter Bank and Trust222 Main St, South Boston, VA 24592A5.0 ★Texas Ratio: 7.55%, 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%, Citizens Bank, NACitizens Bank, NA1700 Diagonal Rd, Alexandria, VA 22314A+5.0 ★Texas Ratio: 5.44%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA106 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 3.68%. 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 South Boston, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in South Boston 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 South Boston, Virginia
Market share is the lender's share of all home loans closed in South Boston, 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 office in South Boston 1135 Huell Matthews Hwy, South Boston, VA 24592 A+5.0 ★Texas Ratio: 1.65% |
Conventional | 19 | 12.1% | 95.5% | $132,894 | View |
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★ 1 stars, 1 review 1 office in South Boston 4030 Halifax Rd, South Boston, VA 24592 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 4 +3 HELOCs |
2.5% | 100% | $137,500 | View |
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1 office in South Boston 3300 Halifax Rd, South Boston, VA 24592 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 4 | 2.5% | 80% | $137,500 | View |
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1 office in South Boston 3609 Old Halifax Rd, South Boston, VA 24592 A+5.0 ★Texas Ratio: 2.51% |
Conventional, HELOC | 3 +2 HELOCs |
1.9% | 100% | $231,666 | View |
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★ 5 stars, 1 review 1 office in South Boston 410 Main St, South Boston, VA 24592 A+5.0 ★Texas Ratio: 5.76% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $145,000 | View |
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2 offices in South Boston 222 Main St, South Boston, VA 24592 A5.0 ★Texas Ratio: 7.55% |
Conventional | 1 | 0.6% | 100% | $165,000 | View |
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120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional | 3 | 1.9% | 75% | $165,000 | View |
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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 2 +1 HELOCs |
1.3% | 100% | $95,000 | |
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1700 Diagonal Rd, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $115,000 | View |
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106 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.6% | 100% | $235,000 | View |
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5000 Dominion Blvd, Glen Allen, VA 23060 3308 A+5.0 ★Texas Ratio: 1.46% |
Conventional | 1 | 0.6% | 100% | $125,000 | View |
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308 Lynchburg Avenue, Brookneal, VA 24528 A+5.0 ★Texas Ratio: 2.39% |
Conventional | 1 | 0.6% | 100% | $155,000 | View |
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9060 N Five Forks Rd, Amelia Court House, VA 23002 A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.6% | 100% | $145,000 | View |
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4027 Halifax Road, South Boston, VA 24592 A+5.0 ★Texas Ratio: 1.54% |
Conventional | 1 | 0.6% | 100% | $65,000 | View |
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42030 Village Center Plz, Aldie, VA 20105 A+5.0 ★Texas Ratio: 4.14% |
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 | |
ALCOVA Mortgage, LLC
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Conventional, FHA, VA, USDA | 17 | 10.8% | 95% | $226,176 | |
Atlantic Bay Mortgage Group
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Conventional, FHA | 4 | 2.5% | 100% | $115,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 2 | 1.3% | 100% | $200,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.6% | 100% | $85,000 | View |
Farm Credit of the Virginias, ACA
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Conventional | 1 | 0.6% | 50% | $215,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 32 | 20.4% | 80% | $163,125 | |
Mortgage Research Center
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VA | 10 | 6.4% | 83.3% | $217,000 | |
New American Funding, LLC.
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Conventional, FHA | 6 | 3.8% | 75% | $126,666 | |
Newrez LLC
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FHA, USDA | 4 | 2.5% | 100% | $240,000 | |
Freedom Mortgage Corporation
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Conventional, VA | 3 | 1.9% | 100% | $228,333 | |
CrossCountry Mortgage, LLC
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FHA | 2 | 1.3% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional | 2 | 1.3% | 100% | $265,000 | View |
Fairway Independent Mort Corp
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Conventional, VA | 2 | 1.3% | 66.7% | $235,000 | |
State Employees' Credit Union
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Conventional | 1 | 0.6% | 100% | $125,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.6% | 50% | $515,000 | View |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.6% | 100% | $265,000 | View |
United Wholesale Mortgage
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Conventional | 1 | 0.6% | 50% | $105,000 | |
American Financial Resources LLC
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FHA | 1 | 0.6% | 50% | $245,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.6% | 100% | $105,000 | |
Goodleap, LLC
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FHA | 1 | 0.6% | 100% | $115,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.6% | 100% | $35,000 | |
Canopy Mortgage, LLC
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FHA | 1 | 0.6% | 100% | $255,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.6% | 100% | $135,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 0.6% | 100% | $75,000 | |
First Home Mortgage
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Conventional | 1 | 0.6% | 100% | $605,000 | |
HomeBridge Financial Services, Inc
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FHA | 1 | 0.6% | 100% | $65,000 | |
Sun West Mortgage Company, Inc
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VA | 1 | 0.6% | 100% | $285,000 | |
East Coast Capital Corp.
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Conventional | 1 | 0.6% | 100% | $65,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.6% | 100% | $465,000 | |
First Colony Mortgage Corporat
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USDA | 1 | 0.6% | 100% | $155,000 | |
Mid-Continent Funding, Inc.
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VA | 1 | 0.6% | 100% | $95,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.6% | 100% | $195,000 | View |
Member First Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $125,000 | |
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A+5.0 ★Texas Ratio: 3.12% |
Conventional | 1 | 0.6% | 100% | $385,000 | View |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.6% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.6% | 100% | $95,000 | View |
Southwest Stage Funding LLC
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FHA | 1 | 0.6% | 100% | $195,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.6% | 100% | $175,000 | |
Goprime Mortgage, Inc.
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Conventional | 1 | 0.6% | 100% | $295,000 | |
Ark-La-Tex Financial Services LLC
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VA | 1 | 0.6% | 100% | $175,000 | |
Village Capital & Investment
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FHA | 1 | 0.6% | 100% | $155,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
loanDepot.com LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
The Loan Store, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
South Boston 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 South Boston, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in South Boston? The list below shows the banks, credit unions and mortgage brokers that closed home loans in South Boston in 2025, with lenders based there listed first.
Types of Mortgage Lenders in South Boston, VA
Use these to narrow the list above. Each category shows how many South Boston, VA lenders fit and what that kind of lender is usually best for.
Who Lends in South Boston, VA
Independent mortgage companies closed 68.8 percent of home loans in South Boston, Virginia in 2025, banks 26.8 percent and credit unions 4.5 percent. ALCOVA Mortgage, LLC was the largest mortgage company, Benchmark Community Bank the largest bank and Virginia Federal Credit Union the largest credit union. Among lenders headquartered in Virginia, Benchmark Community Bank led with 19 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 South Boston, VA
By home loans closed in 2025, Benchmark Community Bank was the largest mortgage lender in South Boston, Virginia with 19 loans, about 12.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
15 lenders closed FHA loans in South Boston, Virginia in 2025, led by ALCOVA Mortgage, LLC with 7. 9 lenders closed VA loans, led by Mortgage Research Center, 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. 19 banks and 4 credit unions closed home loans in South Boston, Virginia in 2025, alongside 38 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 South Boston, 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 South Boston, 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 South Boston. 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.
