Safe Rate Rankings

Best VA Mortgage Lenders in Alexandria

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders19

Total Loans835

Median Rate Spread0.48%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Red River BankBank	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,065Fees	0.104%Below	237
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Strong	$3,019Fees	0.224%Above	97
3	GMFS LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$1,851Fees	0.234%Above	65
4	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,020Fees	0.319%Above	66
5	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Acceptable	$721Fees	0.503%Below	11
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,897Fees	0.527%Above	57
7	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,976Fees	0.474%Above	41
8	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$0Fees	1.819%Above	33
9	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$2,251Fees	1.356%Above	54
10	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,617Fees	0.908%Above	17

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.