Mortgage Lenders and Brokers in West Point, 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
West Point, Virginia mortgage lenders include Baylands Family Credit UnionBaylands Family Credit Union2004 MAIN STREET, WEST POINT, VA 23181A5.0 ★Texas Ratio: 8.71%, Citizens and Farmers BankCitizens and Farmers Bank415 14th Street, West Point, VA 23181A+5.0 ★Texas Ratio: 0.62%, Langley Federal Credit UnionLangley Federal Credit Union13478 Carrollton Blvd Ste A, Carrollton, VA 23314A5.0 ★Texas Ratio: 10.20%, Chesapeake BankChesapeake Bank10000 Courtview Ln, Chesterfield, VA 23832A+5.0 ★Texas Ratio: 1.45%, Truist BankTruist Bank233 Wyndale Road, Abingdon, VA 24210A+5.0 ★Texas Ratio: 2.87%, Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA 22306A5.0 ★Texas Ratio: 8.14%, TowneBankTowneBank10035 Sliding Hill Rd, Ashland, VA 23005A+5.0 ★Texas Ratio: 1.60%, 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%, and Atlantic Union BankAtlantic Union Bank115 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 2.51%. 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 West Point, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in West Point 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 West Point, Virginia
Market share is the lender's share of all home loans closed in West Point, 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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2004 MAIN STREET, WEST POINT, VA 23181 A5.0 ★Texas Ratio: 8.71% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
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415 14th Street, West Point, VA 23181 A+5.0 ★Texas Ratio: 0.62% |
Conventional | 5 | 4% | 71.4% | $61,000 | View |
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13478 Carrollton Blvd Ste A, Carrollton, VA 23314 A5.0 ★Texas Ratio: 10.20% |
Conventional, HELOC | 2 +6 HELOCs |
1.6% | 66.7% | $325,000 | View |
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10000 Courtview Ln, Chesterfield, VA 23832 A+5.0 ★Texas Ratio: 1.45% |
Conventional | 2 | 1.6% | 100% | $170,000 | View |
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★ 1 stars, 1 review 233 Wyndale Road, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +1 HELOCs |
0.8% | 100% | $295,000 | View |
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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.8% | 100% | $55,000 | |
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10035 Sliding Hill Rd, Ashland, VA 23005 A+5.0 ★Texas Ratio: 1.60% |
Conventional | 1 | 0.8% | 100% | $225,000 | View |
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106 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 3.68% |
HELOC | 0 +1 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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115 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 2.51% |
HELOC | 0 +1 HELOCs |
0% | n/a | 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 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, USDA | 7 | 5.6% | 100% | $235,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA, VA | 5 | 4% | 100% | $261,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, VA | 4 | 3.2% | 100% | $340,000 | View |
1St Advantage Federal Credit U
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Conventional, HELOC | 3 +2 HELOCs |
2.4% | 100% | $178,333 | |
ALCOVA Mortgage, LLC
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Conventional, VA | 3 | 2.4% | 100% | $295,000 | |
Capital Center LLC
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Conventional | 3 | 2.4% | 100% | $268,333 | |
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A4.7 ★Texas Ratio: 0.83% |
Conventional, FHA | 2 | 1.6% | 100% | $160,000 | View |
Tidewater Home Funding, LLC
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VA | 1 | 0.8% | 100% | $405,000 | |
Integrity Home Mortgage Corporation
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Conventional | 1 | 0.8% | 100% | $325,000 | |
Call Federal
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Conventional | 1 | 0.8% | 100% | $35,000 | |
Nvr Mortgage Finance, Inc.
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Conventional, FHA, VA, USDA | 29 | 23.4% | 87.9% | $345,344 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, FHA, VA | 8 | 6.5% | 100% | $417,500 | View |
Rocket Mortgage
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Conventional, FHA | 7 | 5.6% | 87.5% | $150,714 | |
Mortgage Research Center
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FHA, VA | 5 | 4% | 71.4% | $351,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 4 | 3.2% | 100% | $140,000 | View |
Mutual of Omaha Mortgage
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Conventional, FHA | 3 | 2.4% | 100% | $191,666 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 2.4% | 100% | $218,333 | |
DHI Mortgage Company, LTD.
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FHA, VA | 3 | 2.4% | 75% | $365,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA | 2 | 1.6% | 100% | $335,000 | |
United Wholesale Mortgage
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Conventional, HELOC | 1 +2 HELOCs |
0.8% | 100% | $195,000 | |
State Employees' Credit Union
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Conventional | 1 | 0.8% | 100% | $265,000 | |
Goodleap, LLC
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FHA | 1 | 0.8% | 100% | $285,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.8% | 50% | $375,000 | |
Equity Prime Mortgage LLC
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USDA | 1 | 0.8% | 100% | $295,000 | |
Amerisave Mortgage Company
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FHA | 1 | 0.8% | 50% | $195,000 | |
Discover Bank
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Conventional | 1 | 0.8% | 33.3% | $55,000 | |
Sun West Mortgage Company, Inc
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VA | 1 | 0.8% | 100% | $545,000 | |
myCUmortgage
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FHA | 1 | 0.8% | 100% | $155,000 | |
Union Home Mortgage Corp.
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FHA | 1 | 0.8% | 100% | $445,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.8% | 100% | $175,000 | View |
Provident Funding Associates
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Conventional | 1 | 0.8% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.8% | 100% | $365,000 | View |
Waterstone Mortgage Corporation
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Conventional | 1 | 0.8% | 100% | $195,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.8% | 100% | $45,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
VA | 1 | 0.8% | 100% | $215,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.8% | 100% | $485,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.8% | 100% | $285,000 | View |
West Point 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 West Point, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in West Point? The list below shows the banks, credit unions and mortgage brokers that closed home loans in West Point in 2025, with lenders based there listed first.
Types of Mortgage Lenders in West Point, VA
Use these to narrow the list above. Each category shows how many West Point, VA lenders fit and what that kind of lender is usually best for.
Who Lends in West Point, VA
Independent mortgage companies closed 74.2 percent of home loans in West Point, Virginia in 2025, banks 18.5 percent and credit unions 7.3 percent. Atlantic Bay Mortgage Group was the largest mortgage company, Citizens and Farmers Bank the largest bank and Baylands Family Credit Union the largest credit union. Among lenders headquartered in Virginia, Baylands Family Credit Union led with 0 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 West Point, VA
By home loans closed in 2025, Baylands Family Credit Union was the largest mortgage lender in West Point, Virginia with 0 loans, about 0 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
17 lenders closed FHA loans in West Point, Virginia in 2025, led by Nvr Mortgage Finance, Inc. with 13. 11 lenders closed VA loans, led by Nvr Mortgage Finance, Inc., 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. 16 banks and 7 credit unions closed home loans in West Point, Virginia in 2025, alongside 25 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 West Point, 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 West Point, 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 West Point. 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.
