Mortgage Lenders and Brokers in Waynesboro, 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
Waynesboro, Virginia mortgage lenders include Dupont Community Credit UnionDupont Community Credit Union140 Lucy Ln, Waynesboro, VA 22980A+5.0 ★Texas Ratio: 1.68%, City National Bank of WVCity National Bank of WV2934 W Main St, Waynesboro, VA 22980A+5.0 ★Texas Ratio: 1.47%, Truist BankTruist Bank1100 W Broad St, Waynesboro, VA 22980A+5.0 ★Texas Ratio: 2.87%, First BankFirst Bank1415 W Main St, Waynesboro, VA 22980A+5.0 ★Texas Ratio: 2.42%, Atlantic Union BankAtlantic Union Bank100 Lucy Ln, Waynesboro, VA 22980A+5.0 ★Texas Ratio: 2.51%, Wells Fargo Bank NAWells Fargo Bank NA216 S Wayne Ave, Waynesboro, VA 22980A+5.0 ★Texas Ratio: 5.36%, Uva Community Credit UnionUva Community Credit Union13701 US Highway 29 Ste I, Chatham, VA 24531A5.0 ★Texas Ratio: 7.25%, Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA 22306A5.0 ★Texas Ratio: 8.14%, Farmers & Merchants BankFarmers & Merchants Bank2701 W Main St, Waynesboro, VA 22980A+5.0 ★Texas Ratio: 3.40%, and M&T BankM&T Bank7485 Richmond Highway, Alexandria, VA 22306A+5.0 ★Texas Ratio: 4.11%. 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 Waynesboro, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Waynesboro 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 Waynesboro, Virginia
Market share is the lender's share of all home loans closed in Waynesboro, 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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140 Lucy Ln, Waynesboro, VA 22980 A+5.0 ★Texas Ratio: 1.68% |
Conventional, HELOC | 27 +99 HELOCs |
5% | 100% | $210,555 | View |
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1 office in Waynesboro 2934 W Main St, Waynesboro, VA 22980 A+5.0 ★Texas Ratio: 1.47% |
Conventional, HELOC | 8 +3 HELOCs |
1.5% | 80% | $192,500 | View |
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★ 1 stars, 1 review 1 office in Waynesboro 1100 W Broad St, Waynesboro, VA 22980 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 4 +7 HELOCs |
0.7% | 66.7% | $315,000 | View |
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1 office in Waynesboro 1415 W Main St, Waynesboro, VA 22980 A+5.0 ★Texas Ratio: 2.42% |
Conventional | 4 | 0.7% | 57.1% | $137,500 | View |
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1 office in Waynesboro 100 Lucy Ln, Waynesboro, VA 22980 A+5.0 ★Texas Ratio: 2.51% |
Conventional, HELOC | 1 +9 HELOCs |
0.2% | 100% | $515,000 | View |
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1 office in Waynesboro 216 S Wayne Ave, Waynesboro, VA 22980 A+5.0 ★Texas Ratio: 5.36% |
VA | 1 | 0.2% | 50% | $315,000 | View |
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13701 US Highway 29 Ste I, Chatham, VA 24531 A5.0 ★Texas Ratio: 7.25% |
Conventional | 14 | 2.6% | 77.8% | $159,285 | View |
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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 11 +2 HELOCs |
2% | 84.6% | $304,090 | |
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2701 W Main St, Waynesboro, VA 22980 A+5.0 ★Texas Ratio: 3.40% |
Conventional, FHA, VA | 11 | 2% | 100% | $223,181 | View |
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7485 Richmond Highway, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $305,000 | View |
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1700 Diagonal Rd, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $165,000 | View |
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851 Lew Dewitt Blvd, Waynesboro, VA 22980 A+5.0 ★Texas Ratio: 3.79% |
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $185,000 | View |
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1387 American Way, Bedford, VA 24523 A5.0 ★Texas Ratio: 11.24% |
Conventional | 2 | 0.4% | 100% | $350,000 | View |
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120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional | 2 | 0.4% | 66.7% | $65,000 | View |
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400 Lew Dewitt Blvd, Waynesboro, VA 22980 A+5.0 ★Texas Ratio: 0.34% |
Conventional | 2 | 0.4% | 100% | $290,000 | View |
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13478 Carrollton Blvd Ste A, Carrollton, VA 23314 A5.0 ★Texas Ratio: 10.20% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $245,000 | View |
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★ 1.7 stars, 3 reviews 3131 Duke St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $445,000 | View |
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450 James Madison Hwy, Culpeper, VA 22701 A+5.0 ★Texas Ratio: 0.03% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
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106 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 100% | $275,000 | View |
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95 Community St, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 4.85% |
Conventional | 1 | 0.2% | 100% | $235,000 | View |
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968 W Main St, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 0.93% |
Conventional | 1 | 0.2% | 100% | $535,000 | View |
Chartway FCU
575 Cedar Rd, Chesapeake, VA 23322 5564 |
Conventional | 1 | 0.2% | 50% | $325,000 | |
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4075wilson Boulevard, Arlington, VA 22203 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 0.2% | 100% | $665,000 | View |
Apple Federal Credit Union
7696F Richmond Hwy, Alexandria, VA 22306 |
Conventional | 1 | 0.2% | 100% | $295,000 | |
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28904 North James Madison Highway, Arvonia, VA 23004 A+5.0 ★Texas Ratio: 1.11% |
Conventional | 1 | 0.2% | 100% | $285,000 | View |
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41 Wheeler Ave, Collinsville, VA 24078 2417 A5.0 ★Texas Ratio: 10.13% |
HELOC | 0 +2 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 | |
ALCOVA Mortgage, LLC
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Conventional, FHA | 27 | 5% | 96.6% | $231,296 | |
Gray Fox Mortgage, LLC
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Conventional | 18 | 3.3% | 100% | $307,222 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 15 | 2.8% | 88.2% | $194,333 | View |
Prosperity Home Mortgage, LLC
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Conventional, FHA, VA | 13 | 2.4% | 100% | $241,923 | |
Atlantic Coast Mortgage, LLC
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Conventional, FHA | 10 | 1.9% | 100% | $292,000 | |
First Heritage Mortgage, LLC
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Conventional, FHA | 10 | 1.9% | 100% | $292,000 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA | 10 | 1.9% | 100% | $264,000 | |
M2B Mortgage LLC
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Conventional | 6 | 1.1% | 100% | $235,000 | |
Integrity Home Mortgage Corporation
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Conventional, FHA | 5 | 0.9% | 71.4% | $243,000 | |
Guidance Residential, LLC
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Conventional | 3 | 0.6% | 100% | $288,333 | |
Capital Center LLC
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Conventional | 3 | 0.6% | 100% | $231,666 | |
Towne Mortgage
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Conventional, FHA, VA | 3 | 0.6% | 100% | $285,000 | |
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A4.7 ★Texas Ratio: 0.83% |
FHA | 1 | 0.2% | 50% | $315,000 | View |
Jams-01 Inc dba Home Savings & Trust Mortgage
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Conventional | 1 | 0.2% | 100% | $525,000 | |
Towne First Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $265,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 58 | 10.8% | 86.8% | $225,689 | |
Lower, LLC
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Conventional, FHA, VA | 20 | 3.7% | 100% | $309,500 | |
Mortgage Research Center
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Conventional, FHA, VA | 19 | 3.5% | 100% | $282,894 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, FHA, HELOC | 16 +1 HELOCs |
3% | 90.5% | $232,500 | View |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 14 | 2.6% | 87.5% | $132,142 | |
Cmg Mortgage Inc
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Conventional, FHA, VA, USDA | 14 | 2.6% | 93.3% | $226,428 | |
United Wholesale Mortgage
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FHA, VA, HELOC | 10 +1 HELOCs |
1.9% | 76.9% | $236,000 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 10 | 1.9% | 93.3% | $258,000 | |
Calcon Mutual Mortgage LLC
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Conventional, FHA, VA | 10 | 1.9% | 90.9% | $314,000 | |
Nvr Mortgage Finance, Inc.
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Conventional, FHA, VA | 10 | 1.9% | 66.7% | $332,000 | |
Nationstar Mortgage
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Conventional, FHA | 7 | 1.3% | 87.5% | $133,571 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, FHA | 7 | 1.3% | 100% | $272,142 | View |
DHI Mortgage Company, LTD.
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FHA | 7 | 1.3% | 87.5% | $286,428 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 6 | 1.1% | 100% | $225,000 | |
Amerisave Mortgage Company
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Conventional | 6 | 1.1% | 50% | $66,666 | |
Total Mortgage Services, LLC
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Conventional, FHA | 6 | 1.1% | 85.7% | $220,000 | |
Nfm, Inc
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Conventional, FHA | 6 | 1.1% | 100% | $243,333 | |
Waterstone Mortgage Corporation
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Conventional, FHA | 6 | 1.1% | 100% | $193,333 | |
New Day Financial, LLC.
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VA | 5 | 0.9% | 55.6% | $283,000 | |
Guild Mortgage Company
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Conventional, FHA | 4 | 0.7% | 100% | $232,500 | |
Premier Mortgage Resources, LLC
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Conventional, FHA | 3 | 0.6% | 100% | $238,333 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 3 | 0.6% | 100% | $158,333 | View |
Goodleap, LLC
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FHA | 2 | 0.4% | 100% | $145,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 0.4% | 40% | $285,000 | |
Newrez LLC
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FHA, VA | 2 | 0.4% | 66.7% | $235,000 | |
loanDepot.com LLC
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Conventional | 2 | 0.4% | 100% | $75,000 | |
Union Home Mortgage Corp.
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Conventional | 2 | 0.4% | 100% | $150,000 | |
American Pacific Mortgage Corporation
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Conventional | 2 | 0.4% | 100% | $190,000 | |
Better Mortgage Corporation
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Conventional | 2 | 0.4% | 100% | $200,000 | |
Mutual of Omaha Mortgage
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FHA | 2 | 0.4% | 100% | $195,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 2 | 0.4% | 100% | $475,000 | View |
Village Capital & Investment
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VA | 2 | 0.4% | 75% | $455,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 2 | 0.4% | 100% | $95,000 | |
Alliant Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $365,000 | |
State Employees' Credit Union
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Conventional | 1 | 0.2% | 33.3% | $205,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.2% | 100% | $85,000 | View |
American Financial Resources LLC
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VA | 1 | 0.2% | 100% | $445,000 | |
Guaranteed Rate, Inc.
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VA | 1 | 0.2% | 100% | $295,000 | |
Residential Wholesale Mortgage
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Conventional | 1 | 0.2% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.2% | 100% | $465,000 | View |
Everett Financial, Inc.
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FHA | 1 | 0.2% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 3.62% |
VA | 1 | 0.2% | 100% | $335,000 | View |
Sage Home Loans Corporation
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Conventional | 1 | 0.2% | 100% | $135,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.2% | 100% | $325,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $255,000 | |
Allied Mortgage Group, Inc
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FHA | 1 | 0.2% | 100% | $395,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.2% | 100% | $295,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $205,000 | |
American Financial Network, Inc.
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VA | 1 | 0.2% | 50% | $235,000 | |
First Home Mortgage
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Acre Mortgage & Financial, Inc.
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FHA | 1 | 0.2% | 100% | $345,000 | |
HomeBridge Financial Services, Inc
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VA | 1 | 0.2% | 100% | $235,000 | |
Sun West Mortgage Company, Inc
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VA | 1 | 0.2% | 100% | $395,000 | |
Ross Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $305,000 | |
Oceanside Mortgage Company
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FHA | 1 | 0.2% | 100% | $175,000 | |
Citizens Equity First Credit U
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Conventional | 1 | 0.2% | 100% | $355,000 | |
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A5.0 ★Texas Ratio: 7.24% |
Conventional | 1 | 0.2% | 100% | $215,000 | View |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.2% | 100% | $535,000 | View |
Land Home Financial Services,
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FHA | 1 | 0.2% | 100% | $295,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.2% | 100% | $355,000 | |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.2% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.2% | 100% | $285,000 | View |
Towne Mortgage Company
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FHA | 1 | 0.2% | 100% | $225,000 | |
Tjc Mortgage Inc
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FHA | 1 | 0.2% | 100% | $175,000 | |
Uif Corporation
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Conventional | 1 | 0.2% | 100% | $305,000 | |
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A5.0 ★Texas Ratio: 7.51% |
Conventional | 1 | 0.2% | 100% | $465,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.2% | 100% | $165,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.2% | 100% | $245,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.2% | 25% | $35,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.2% | 100% | $185,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.2% | 100% | $115,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.2% | 100% | $55,000 | View |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Valon Mortgage
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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 |
Waynesboro 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 Waynesboro, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Waynesboro? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Waynesboro in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Waynesboro, VA
Use these to narrow the list above. Each category shows how many Waynesboro, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Waynesboro, VA
Independent mortgage companies closed 72.1 percent of home loans in Waynesboro, Virginia in 2025, banks 16.7 percent and credit unions 11.2 percent. ALCOVA Mortgage, LLC was the largest mortgage company, City National Bank of WV the largest bank and Dupont Community Credit Union the largest credit union. Among lenders headquartered in Virginia, Dupont Community Credit Union led with 27 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 Waynesboro, VA
By home loans closed in 2025, Dupont Community Credit Union was the largest mortgage lender in Waynesboro, Virginia with 27 loans, about 5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Waynesboro, Virginia, Rocket Mortgage approved the highest share of completed applications in 2025 at 86.8 percent, against a 88.7 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
44 lenders closed FHA loans in Waynesboro, Virginia in 2025, led by Rocket Mortgage with 15. 27 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. 33 banks and 12 credit unions closed home loans in Waynesboro, Virginia in 2025, alongside 73 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 Waynesboro, 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 Waynesboro, 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 Waynesboro. 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.
