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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best VA Mortgage Lenders in Lexington
Updated February 5, 2026
Market Overview
80
Total Lenders
5,288
Total Loans
0.27%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,686 | +0.168% | 188 | |
2 | FBC MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $2,600 | +0.147% | 26 | |
3 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,953 | +0.498% | 366 | |
4 | Peoples Exchange Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $812 | -0.036% | 99 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $472 | +0.164% | 91 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,221 | +0.461% | 64 | |
7 | REPUBLIC STATE MORTGAGE CO. | Exceptional | Strong | Strong | Exceptional | Strong | $2,963 | +0.448% | 62 | |
8 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,965 | +0.240% | 52 | |
9 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $885 | -0.489% | 39 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,549 | +0.367% | 489 | |
11 | Bank of England | Strong | Sound | Strong | Strong | Exceptional | $3,075 | +0.451% | 156 | |
12 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $1,674 | -0.169% | 32 | |
13 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,234 | +0.236% | 484 | |
14 | Guardian Savings Bank | Strong | Sound | Sound | Strong | Exceptional | $1,246 | +0.156% | 289 | |
15 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,891 | +0.136% | 55 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,281 | +0.305% | 33 | |
17 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,451 | +0.165% | 100 | |
18 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,073 | +0.317% | 92 | |
19 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,077 | +0.326% | 38 | |
20 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Strong | Sound | $1,646 | +0.511% | 22 | |
21 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Strong | $2,752 | +0.581% | 58 | |
22 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $6,215 | +0.411% | 21 | |
23 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,260 | +0.588% | 112 | |
24 | The Federal Savings Bank | Sound | Mediocre | Exceptional | Sound | Sound | $2,198 | +0.434% | 22 | |
25 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $4,619 | +1.519% | 20 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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