Mortgage Lenders and Brokers in Williamsburg, 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
Williamsburg, Virginia mortgage lenders include Truist BankTruist Bank300 Second St, Williamsburg, VA 23185A+5.0 ★Texas Ratio: 2.87%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA6720 Mooretown Rd, Williamsburg, VA 23188A+5.0 ★Texas Ratio: 3.68%, Chesapeake BankChesapeake Bank5700 Williamsburg Landing Dr, Williamsburg, VA 23185A+5.0 ★Texas Ratio: 1.45%, Citizens and Farmers BankCitizens and Farmers Bank1100 Jamestown Rd, Williamsburg, VA 23185A+5.0 ★Texas Ratio: 0.62%, Bank of America NABank of America NA1801 Richmond Rd, Williamsburg, VA 23185A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA1006 Richmond Rd, Williamsburg, VA 23185A+5.0 ★Texas Ratio: 5.36%, Atlantic Union BankAtlantic Union Bank5125 John Tyler Hwy, Williamsburg, VA 23185A+5.0 ★Texas Ratio: 2.51%, PNC Bank N.A.PNC Bank N.A.4541 John Tyler Hwy, Williamsburg, VA 23185A+5.0 ★Texas Ratio: 4.24%, Navy Federal Credit UnionNavy Federal Credit Union5226 Monticello Ave, Williamsburg, VA 23188A5.0 ★Texas Ratio: 8.14%, and TowneBankTowneBank4139 Ironbound Rd, Williamsburg, VA 23188A+5.0 ★Texas Ratio: 1.60%. 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 Williamsburg, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Williamsburg 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 Williamsburg, Virginia
Market share is the lender's share of all home loans closed in Williamsburg, 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 4 offices in Williamsburg 300 Second St, Williamsburg, VA 23185 A+5.0 ★Texas Ratio: 2.87% |
Conventional, VA, HELOC | 5 +5 HELOCs |
3.7% | 83.3% | $297,000 | View |
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3 offices in Williamsburg 6720 Mooretown Rd, Williamsburg, VA 23188 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 4 | 2.9% | 80% | $270,000 | View |
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5 offices in Williamsburg 5700 Williamsburg Landing Dr, Williamsburg, VA 23185 A+5.0 ★Texas Ratio: 1.45% |
Conventional | 1 | 0.7% | 100% | $365,000 | View |
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2 offices in Williamsburg 1100 Jamestown Rd, Williamsburg, VA 23185 A+5.0 ★Texas Ratio: 0.62% |
Conventional | 1 | 0.7% | 33.3% | $75,000 | View |
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2 offices in Williamsburg 1801 Richmond Rd, Williamsburg, VA 23185 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo | 1 | 0.7% | 100% | $1,265,000 | View |
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2 offices in Williamsburg 1006 Richmond Rd, Williamsburg, VA 23185 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.7% | 50% | $645,000 | View |
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1 office in Williamsburg 5125 John Tyler Hwy, Williamsburg, VA 23185 A+5.0 ★Texas Ratio: 2.51% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 1 office in Williamsburg 4541 John Tyler Hwy, Williamsburg, VA 23185 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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5226 Monticello Ave, Williamsburg, VA 23188 A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 9 +1 HELOCs |
6.6% | 100% | $330,555 | |
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4139 Ironbound Rd, Williamsburg, VA 23188 A+5.0 ★Texas Ratio: 1.60% |
Conventional, VA, HELOC | 3 +2 HELOCs |
2.2% | 100% | $358,333 | View |
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4171 Ironbound Rd, Williamsburg, VA 23188 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 3 +1 HELOCs |
2.2% | 100% | $278,333 | View |
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5220 Monticello Ave, Williamsburg, VA 23188 A5.0 ★Texas Ratio: 10.20% |
Conventional, HELOC | 2 +5 HELOCs |
1.5% | 100% | $255,000 | View |
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120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40% |
Conventional | 1 | 0.7% | 100% | $25,000 | View |
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1515 Wilson Blvd, Arlington, VA 22209 A-4.9 ★Texas Ratio: 16.48% |
VA | 1 | 0.7% | 100% | $535,000 | View |
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6566 Little River Tpke, Alexandria, VA 22312 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA | 8 | 5.9% | 100% | $441,250 | |
Prosperity Home Mortgage, LLC
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Conventional, VA, Jumbo | 7 | 5.1% | 87.5% | $373,571 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 4 | 2.9% | 100% | $295,000 | View |
ALCOVA Mortgage, LLC
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FHA, VA | 3 | 2.2% | 100% | $445,000 | |
Towne Mortgage
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Conventional, VA | 2 | 1.5% | 100% | $240,000 | |
Tidewater Home Funding, LLC
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Conventional | 1 | 0.7% | 100% | $155,000 | |
Atlantic Coast Mortgage, LLC
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FHA | 1 | 0.7% | 100% | $415,000 | |
The Old Point National Bank of Phoebus
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Conventional | 1 | 0.7% | 100% | $55,000 | |
Capital Center LLC
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Conventional | 1 | 0.7% | 25% | $735,000 | |
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A4.7 ★Texas Ratio: 0.83% |
VA | 1 | 0.7% | 100% | $455,000 | View |
1St Advantage Federal Credit U
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, VA | 13 | 9.6% | 81.2% | $274,230 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, VA, Jumbo | 8 | 5.9% | 90% | $360,000 | View |
Freedom Mortgage Corporation
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FHA, VA | 7 | 5.1% | 100% | $282,142 | |
United Wholesale Mortgage
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Conventional, VA | 5 | 3.7% | 100% | $355,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 4 | 2.9% | 100% | $320,000 | View |
Mortgage Research Center
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VA | 3 | 2.2% | 75% | $321,666 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 3 | 2.2% | 100% | $115,000 | |
Newrez LLC
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Conventional | 2 | 1.5% | 50% | $205,000 | |
CrossCountry Mortgage, LLC
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Conventional | 2 | 1.5% | 66.7% | $215,000 | |
Cmg Mortgage Inc
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Conventional, FHA | 2 | 1.5% | 100% | $385,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 1.5% | 100% | $270,000 | |
State Employees' Credit Union
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Conventional | 1 | 0.7% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.7% | 100% | $135,000 | View |
Cornerstone First Mortgage, LLC
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VA | 1 | 0.7% | 100% | $365,000 | |
Guaranteed Rate, Inc.
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VA | 1 | 0.7% | 100% | $385,000 | |
RANLife, Inc.
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Conventional | 1 | 0.7% | 100% | $395,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.7% | 100% | $185,000 | |
PHH Mortgage Corporation
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VA | 1 | 0.7% | 100% | $375,000 | |
Tower Federal Credit Union
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Conventional | 1 | 0.7% | 100% | $535,000 | |
Pennymac Loan Services LLC
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VA | 1 | 0.7% | 100% | $75,000 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional | 1 | 0.7% | 100% | $255,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.7% | 50% | $575,000 | |
Discover Bank
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Conventional | 1 | 0.7% | 50% | $35,000 | |
East Coast Capital Corp.
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Conventional | 1 | 0.7% | 100% | $95,000 | |
Nfm, Inc
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Conventional | 1 | 0.7% | 100% | $305,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.7% | 100% | $325,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.7% | 100% | $375,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 0.7% | 100% | $705,000 | |
New American Funding, LLC.
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VA | 1 | 0.7% | 100% | $215,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.7% | 100% | $295,000 | |
Lower, LLC
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VA | 1 | 0.7% | 100% | $365,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 0.7% | 100% | $865,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.7% | 100% | $475,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.7% | 25% | $125,000 | |
Ark-La-Tex Financial Services LLC
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VA | 1 | 0.7% | 100% | $715,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Williamsburg 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 Williamsburg, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Williamsburg? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Williamsburg in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Williamsburg, VA
Use these to narrow the list above. Each category shows how many Williamsburg, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Williamsburg, VA
Independent mortgage companies closed 65.4 percent of home loans in Williamsburg, Virginia in 2025, banks 22.1 percent and credit unions 12.5 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, Chesapeake Bank led with 1 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 Williamsburg, VA
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Williamsburg, Virginia with 5 loans, about 3.7 percent of the market. The largest lender headquartered in Virginia was Chesapeake Bank with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Williamsburg, Virginia in 2025, led by Atlantic Bay Mortgage Group with 2. 23 lenders closed VA loans, led by Freedom Mortgage Corporation. 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. 18 banks and 7 credit unions closed home loans in Williamsburg, 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 Williamsburg, 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 Williamsburg, 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 Williamsburg. 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.
