Local Pros · Herndon
Local Mortgage Brokers in Herndon, VA
Locally owned and operated mortgage brokers serving Herndon and the surrounding area. Supporting local businesses means faster response and accountability.
As of July 2026, RatingsNearMe ranks 6 mortgage brokers in Herndon, VA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Home Financial Corporation with a 4.9-star rating from 66 Google reviews and an RNM Score of 79/100. 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 July 4, 2026 · RNM Score = 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
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Top-rated Herndon mortgage broker with a 4.9-star average from 66 reviews.
459 Herndon Pkwy STE 16, Herndon, VA 20170, USA5.0 stars from 39 reviews, reflecting exceptional client satisfaction in Herndon.
503 Huntmar Park Dr Ste 250, Herndon, VA 20170, USA5.0 stars from 36 reviews, reflecting exceptional client satisfaction in Herndon.
688 Spring St, Herndon, VA 20170, USAMortgage 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 July 2026
All Mortgage Brokers in Herndon
Herndon mortgage broker with a flawless 5.0-star rating from 23 reviews.
3871 Plaza Dr #28, Fairfax, VA 22030, USA
Exceptional 5.0-star rating from 9 Google reviews for a Herndon mortgage broker.
503 Huntmar Park Dr Ste 250, Herndon, VA 20170, USA
5.0 stars from 3 Google reviews, reflecting exceptional client satisfaction.
10400 Eaton Pl #212, Fairfax, VA 22030, USA
Get Free Quotes
We'll connect you with the top mortgage brokers in Herndon, VA.
Mortgage Brokers in Herndon, VA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Home Financial Corporation | 79/100 | 4.9 ★ | 66 |
| 2 | Thomas Landen - Churchill Mortgage, NMLS 1390109 | 78/100 | 5.0 ★ | 39 |
| 3 | Carlos Vasquez - Rocket Mortgage - Executive Loan Officer - NMLS #1650785 | 78/100 | 5.0 ★ | 36 |
| 4 | Rob McElroy at CrossCountry Mortgage | 76/100 | 5.0 ★ | 23 |
| 5 | Steve Hopkins - Churchill Mortgage, NMLS 197687 | 71/100 | 5.0 ★ | 9 |
| 6 | Rick Saunders, Loan Officer | 66/100 | 5.0 ★ | 3 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
Get your business on AI — ChatGPT, Perplexity & Google AI
AI assistants increasingly recommend local mortgage brokers straight from RatingsNearMe. Claim your spot in Herndon to get featured in AI answers, comparison tables, and “best near me” results — where customers are actually searching now.
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.
Mortgage Brokers in Nearby Cities
Compare top-rated mortgage brokers in cities near you.
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: July 4, 2026.
More Home Services in Herndon
Related Searches
More ways to find mortgage brokers in Herndon