Top 3 Mortgage Lenders in Cumberland

Atlantic Bay Mortgage Group is one of Virginia's highest-rated mortgage lenders with an exceptional reputation throughout Central Virginia. Founded in Virginia Beach and now serving the entire state, they have extensive experience with rural properties and the unique needs of Cumberland area homeowners. Their 4.9-star rating across thousands of reviews reflects outstanding customer service, competitive rates, and specialized expertise in VA loans and USDA rural development loans that are particularly relevant for Cumberland residents. They offer both in-person and digital mortgage experiences with local loan officers who understand the Central Virginia market.

Union Bank & Trust has been serving Virginia communities for over a century with deep roots in Central Virginia. As a community-focused institution, they have specific expertise in serving rural areas like Cumberland and offer specialized USDA loans perfect for the region. Their mortgage team provides personalized service with local decision-making and competitive rates. With numerous branches throughout Central Virginia and dedicated mortgage specialists, they combine traditional banking values with modern mortgage solutions. Their high customer satisfaction ratings reflect consistent, reliable service for home purchases and refinancing.

Virginia Credit Union is a member-owned financial cooperative serving Central Virginia residents, including those in Cumberland and surrounding rural counties. They offer exceptionally competitive mortgage rates to members and have specific programs for first-time homebuyers and rural property financing. Their mortgage advisors provide personalized guidance through the entire home buying process with a focus on education and transparency. As a not-for-profit institution, they prioritize member satisfaction over profits, resulting in high customer satisfaction scores and long-term client relationships. They have extensive experience with the unique property types and financing needs of Central Virginia's rural communities.