# Best VA Mortgage Lenders in Lexington

**As of:** 2026-05-22

Compare the top VA mortgage lenders in Lexington. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/lexington/best-mortgage-lenders/va-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 80
- **Total Loans:** 5,288
- **Median Rate Spread:** 0.27337179487179486%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 188 | Independent Mortgage Company |
| 2 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 88 | 56 | 81 | 366 | Independent Mortgage Company |
| 3 | FBC MORTGAGE, LLC | 88 | 85 | 87 | 26 | Independent Mortgage Company |
| 4 | U.S. Bank National Association | 85 | 71 | 65 | 91 | Bank |
| 5 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 64 | Independent Mortgage Company |
| 6 | REPUBLIC STATE MORTGAGE CO. | 85 | 61 | 80 | 62 | Independent Mortgage Company |
| 7 | GUARANTEED RATE, INC. | 85 | 79 | 70 | 52 | Independent Mortgage Company |
| 8 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 489 | Independent Mortgage Company |
| 9 | Bank of England | 79 | 46 | 65 | 156 | Bank |
| 10 | Peoples Exchange Bank | 77 | 89 | 51 | 99 | Bank |
| 11 | NAVY FEDERAL CREDIT UNION | 77 | 91 | 59 | 39 | Credit Union |
| 12 | STOCKTON MORTGAGE CORPORATION | 75 | 22 | 65 | 484 | Independent Mortgage Company |
| 13 | T2 FINANCIAL LLC | 75 | 22 | 82 | 55 | Independent Mortgage Company |
| 14 | Guardian Savings Bank | 73 | 55 | 71 | 289 | Bank |
| 15 | LOANDEPOT.COM, LLC | 73 | 53 | 69 | 33 | Independent Mortgage Company |
| 16 | USAA Federal Savings Bank | 73 | 62 | 58 | 32 | Bank |
| 17 | Mortgage Research Center, LLC | 71 | 34 | 61 | 100 | Independent Mortgage Company |
| 18 | NATIONSTAR MORTGAGE LLC | 66 | 20 | 69 | 38 | Independent Mortgage Company |
| 19 | Magnolia Bank, Incorporated | 66 | 30 | 74 | 22 | Bank |
| 20 | GENEVA FINANCIAL, LLC | 63 | 13 | 88 | 92 | Independent Mortgage Company |
| 21 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 26 | 51 | 21 | Independent Mortgage Company |
| 22 | Ixonia Bank | 60 | 15 | 73 | 58 | Bank |
| 23 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 58 | 112 | Independent Mortgage Company |
| 24 | The Federal Savings Bank | 52 | 9 | 54 | 22 | Bank |
| 25 | NEW DAY FINANCIAL, LLC | 52 | 2 | 49 | 20 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Lexington.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.