Cindy Small
Senior Mortgage Loan Officer
Murray State University
Cindy brings over 25 years of mortgage experience to her clients. She enjoys working with a range of clients from high net worth individuals to those who are buying their first home. She is most passionate about creating a smooth and enjoya... Show More
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24 hours
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Reviews from Web
As a new homeowner who was nervous and not well educated on the process, my lending team was phenomenal . Always available and walked me through everything confidently. other banks I had reached out to did not come close to matching this level...
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Reply from Atlantic Union Bank Home Loans
September 15th, 2026 02:38 PM
Thank you for sharing your experience. Purchasing a home for the first time can feel overwhelming, and it’s wonderful to know your lending team provided the guidance and support needed every step of the way. Being available to answer questions...
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Once again, Cynthia was beyond excellent. She was available at all times and provided wonderful advice. She worked diligently to get loan approved and in a timely fashion. Would highly recommend to others.
Reply from Atlantic Union Bank Home Loans
August 17th, 2026 09:08 PM
Thank you for sharing your experience. It’s wonderful to know Cynthia’s dedication, accessibility, and guidance made such a positive impact throughout the process. Having knowledgeable support and clear advice along the way can make all the...
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I have always used freedom first and when I tried to start my pre approval for the home buying process they were just not helpful at all. So is tarted searching around for another lender and found Atlantic union. Right from the start cindy...
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Reply from Atlantic Union Bank Home Loans
July 21st, 2026 07:20 PM
Thank you for sharing such thoughtful feedback, Allie. We’re honored that you chose Atlantic Union Bank for your home financing journey. It’s wonderful to know Cindy and Becca helped make the process more comfortable by providing the guidance,...
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Cindy Small has received a review with 5 star rating from Joseph W
Very smooth experience. Strong communication and very effective in setting expectations.
As a first-time homebuyer, my experience with Atlantic Union Bank was incredibly smooth and positive. The team was helpful, provided clear guidance, and made the entire process easily understandable from start to finish.
Staff was very pleasant and helpful, stayed on top of things the whole way through
Cindy and Rebecca were super supportive and informative on what I needed for the home loan.
Overall the experience was great and I felt I was well informed throughout the process.
They did a fantastic job and made the process easy.
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About
Cindy brings over 25 years of mortgage experience to her clients. She enjoys working with a range of clients from high net worth individuals to those who are buying their first home. She is most passionate about creating a smooth and enjoyable homebuying experience for her clients.
Guiding people through one of the most significant financial decisions they will ever make is what drives Cindy’s career. She wants to make sure her clients are as financially prepared as possible to be confident in making their home purchasing decisions. She specializes in home purchase, refinance, Jumbo and Conventional loans, FHA/VA, Physician loans and has an in-depth knowledge of First-Time Homebuyer programs.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Home Renovation Loan
Construction Loan
Medical Professional Mortgages
USDA Loans
Non-QM
Cash-Out Refinances
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Education
- Murray State University
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 329508
Hobbies
- Golf
- Music
Disclaimer
Atlantic Union Bank, located in Virginia and beyond, offers a wide range of financial solutions including checking accounts, savings accounts, business loans and more. Bank online or visit one of our conveniently located branches or ATMs today. Member FDIC. NMLS # 551889. ©2026 Atlantic Union Bank. All rights reserved.