Licensed · Herndon
Licensed & Insured Mortgage Brokers in Herndon, VA
Every mortgage brokers listed here carries proper licensing and insurance in VA. Protect yourself — always verify credentials before work begins.
As of May 2026, RatingsNearMe ranks 6 mortgage brokers in Herndon, VA by verified customer ratings and review volume. The highest-rated is Home Financial Corporation with a 4.9-star rating from 66 verified reviews. Also in the top tier: Thomas Landen - Churchill Mortgage, NMLS 1390109 and Carlos Vasquez - Rocket Mortgage - Executive Loan Officer - NMLS #1650785. The average rating across all listed mortgage brokers in Herndon is 5 stars from 29 reviews per business on average.
Mortgage brokers in Herndon: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
6
Businesses listed
5★
Avg rating
29
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Home Financial Corporation
459 Herndon Pkwy STE 16, Herndon, VA 20170, USA
Thomas Landen - Churchill Mortgage, NMLS 1390109
503 Huntmar Park Dr Ste 250, Herndon, VA 20170, USA
Carlos Vasquez - Rocket Mortgage - Executive Loan Officer - NMLS #1650785
688 Spring St, Herndon, VA 20170, USA
Mortgage Brokers Rankings in Herndon, VA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Home Financial Corporation459 Herndon Pkwy STE 16, Herndon, VA 20170, USA | 4.9★ | 66 |
| #2 | Thomas Landen - Churchill Mortgage, NMLS 1390109503 Huntmar Park Dr Ste 250, Herndon, VA 20170, USA | 5.0★ | 39 |
| #3 | Carlos Vasquez - Rocket Mortgage - Executive Loan Officer - NMLS #1650785688 Spring St, Herndon, VA 20170, USA | 5.0★ | 36 |
| #4 | Rob McElroy at CrossCountry Mortgage3871 Plaza Dr #28, Fairfax, VA 22030, USA | 5.0★ | 23 |
| #5 | Steve Hopkins - Churchill Mortgage, NMLS 197687503 Huntmar Park Dr Ste 250, Herndon, VA 20170, USA | 5.0★ | 9 |
| #6 | Rick Saunders, Loan Officer10400 Eaton Pl #212, Fairfax, VA 22030, USA | 5.0★ | 3 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Herndon
Rob McElroy at CrossCountry Mortgage
3871 Plaza Dr #28, Fairfax, VA 22030, USA
Steve Hopkins - Churchill Mortgage, NMLS 197687
503 Huntmar Park Dr Ste 250, Herndon, VA 20170, USA
Rick Saunders, Loan Officer
10400 Eaton Pl #212, Fairfax, VA 22030, USA
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Frequently Asked Questions — Mortgage Brokers in Herndon
What does a mortgage broker do differently than going directly to a bank in Herndon?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Herndon?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in VA?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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