Local Pros · Richmond
Local Mortgage Brokers in Richmond, VA
Locally owned and operated mortgage brokers serving Richmond and the surrounding area. Supporting local businesses means faster response and accountability.
As of June 2026, RatingsNearMe ranks 17 mortgage brokers in Richmond, VA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Blake Bogese, NMLS ID# 1486989 with a 5.0-star rating from 114 Google reviews and an RNM Score of 84/100. Also in the top tier: William Schroeder-Real Estate and Mortgage Bundled Together- Go804.com Team! and The Burkett Team of Cross Country Mortgage. The average rating across all listed mortgage brokers in Richmond is 5 stars from 61 reviews per business on average.
Mortgage brokers in Richmond: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Liberty Mortgage Corporation
It is listed first among the top-ranked mortgage brokers in Richmond, indicating strong reputation and service.
Most Reviewed
The Rudd Mortgage Team
A high review count reflects a large volume of customer experiences, offering a more reliable gauge of consistent service quality.
When choosing a mortgage broker in Richmond, compare a broker's online reviews and years of experience to ensure they align with your specific loan needs. Additionally, consider interviewing at least two brokers to evaluate responsiveness and fee transparency.
Local Market Snapshot
17
Businesses listed
5★
Avg rating
61
Avg reviews
Jun 10, 2026
Last updated
Top Rated Mortgage Brokers
Trusted by over 100 clients, this Richmond mortgage broker holds a flawless 5.0-star rating.
5000 Monument Ave Suite 111, Richmond, VA 23230, USAA Richmond mortgage broker with a perfect 5.0-star rating from over 100 reviews.
Richmond, VA 23220, USARated 5.0 stars from 86 Google reviews, this trusted Richmond mortgage broker.
1127 W Main St A, Richmond, VA 23230, USAMortgage Brokers Rankings in Richmond, VA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Blake Bogese, NMLS ID# 14869895000 Monument Ave Suite 111, Richmond, VA 23230, USA | 5.0★ | 114 |
| #2 | William Schroeder-Real Estate and Mortgage Bundled Together- Go804.com Team!Richmond, VA 23220, USA | 5.0★ | 104 |
| #3 | The Burkett Team of Cross Country Mortgage1127 W Main St A, Richmond, VA 23230, USA | 5.0★ | 86 |
| #4 | Home Loan Zone Inc400 N Ridge Rd Suite 200, Richmond, VA 23229, USA | 5.0★ | 46 |
| #5 | Liberty Mortgage Corporation2501 Monument Ave, Richmond, VA 23220, USA | 4.9★ | 29 |
| #6 | First Heritage Mortgage, LLC - Richmond4551 Cox Rd Suite 305, Glen Allen, VA 23060, USA | 4.8★ | 118 |
| #7 | ALCOVA Mortgage | Midlothian, VA1106 N Thompson St, Richmond, VA 23230, USA | 5.0★ | 85 |
| #8 | Richmond First Mortgage Group1309 Broad St Rd FL 2, Oilville, VA 23129, USA | 5.0★ | 82 |
| #9 | MAK Financial Group Inc210 Portland Pl, Richmond, VA 23221, USA | 4.9★ | 80 |
| #10 | The Rudd Mortgage Team2920 W Broad St Suite 248, Richmond, VA 23230, USA | 5.0★ | 57 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Richmond
Trusted Richmond mortgage broker with a perfect 5.0-star rating from 46 reviews.
400 N Ridge Rd Suite 200, Richmond, VA 23229, USA
A top-rated Richmond mortgage broker with a 4.9-star average from 29 client reviews.
2501 Monument Ave, Richmond, VA 23220, USA
Trusted by hundreds of local clients, with an exceptional 4.8-star rating.
4551 Cox Rd Suite 305, Glen Allen, VA 23060, USA
5.0 stars from 85 Google reviews, reflecting exceptional client service.
1106 N Thompson St, Richmond, VA 23230, USA
Top-rated Richmond mortgage broker with a perfect 5.0-star rating from 82 reviews.
1309 Broad St Rd FL 2, Oilville, VA 23129, USA
4.9-star rating from 80 Google reviews reflects exceptional client satisfaction.
210 Portland Pl, Richmond, VA 23221, USA
Richmond's top-rated mortgage broker with a perfect 5.0★ score from 57 reviews.
2920 W Broad St Suite 248, Richmond, VA 23230, USA
Top-rated Richmond mortgage broker with a perfect 5.0★ rating from 57 reviews.
8720 Stony Point Pkwy, Richmond, VA 23235, USA
Trusted by clients with a perfect 5.0-star rating from dozens of local reviews.
4913 Fitzhugh Ave UNIT 201, Richmond, VA 23230, USA
5.0 stars from 14 Google reviews, reflecting exceptional client satisfaction.
7400 Beaufont Spg Dr Suite 300 Office 311 And 312, Richmond, VA 23225, USA
Boasts a flawless 5.0-star rating from 23 satisfied clients in Richmond.
9030 Stony Point Pkwy #565, Richmond, VA 23235, USA
5.0 stars from 60 Google reviews, reflecting exceptional client satisfaction.
1807 Libbie Ave suite 1, Richmond, VA 23226, USA
Trusted Richmond mortgage broker with a 4.9-star rating from 54 reviews.
8401 Mayland Dr suite r, Richmond, VA 23294, USA
Richmond's top-rated mortgage broker with a perfect 5.0★ score from 18 reviews.
301 Virginia St Unit 903, Richmond, VA 23219, USA
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Mortgage Brokers in Richmond, VA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Blake Bogese, NMLS ID# 1486989 | 84/100 | 5.0 ★ | 114 |
| 2 | William Schroeder-Real Estate and Mortgage Bundled Together- Go804.com Team! | 84/100 | 5.0 ★ | 104 |
| 3 | The Burkett Team of Cross Country Mortgage | 83/100 | 5.0 ★ | 86 |
| 4 | Home Loan Zone Inc | 79/100 | 5.0 ★ | 46 |
| 5 | Liberty Mortgage Corporation | 75/100 | 4.9 ★ | 29 |
| 6 | First Heritage Mortgage, LLC - Richmond | 81/100 | 4.8 ★ | 118 |
| 7 | ALCOVA Mortgage | Midlothian, VA | 83/100 | 5.0 ★ | 85 |
| 8 | Richmond First Mortgage Group | 82/100 | 5.0 ★ | 82 |
| 9 | MAK Financial Group Inc | 80/100 | 4.9 ★ | 80 |
| 10 | The Rudd Mortgage Team | 80/100 | 5.0 ★ | 57 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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Frequently Asked Questions — Mortgage Brokers in Richmond
What does a mortgage broker do differently than going directly to a bank in Richmond?
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 Richmond?
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: June 10, 2026.
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