Safe Rate Rankings

Best Mortgage Lenders in Arlington

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders228

Total Loans37,139

Median Rate Spread0.12%

Arlington Market Insights

Navy Federal Credit Union is Safe Rate's top-ranked lender in Arlington, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
Top-ranked by institution type in Arlington: Bank: Truist Bank (#5). Credit union: Navy Federal Credit Union (#1). Mortgage company: First Heritage Mortgage (#2).
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Arlington, Morgan Stanley Private Bank National Association and Navy Federal Credit Union scores highest on pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #4 in Arlington, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Arlington: Rocket Mortgage (#9) and Atlantic Coast Mortgage (#6).

Explore Rankings by Type

By Loan Product

Lenders often score differently for different loan products. Get tailored rankings by selecting your product type.

FHA Loans Conventional Loans VA Loans Jumbo Loans USDA Loans

By Institution Type

Some consumers only want to work with a credit union, bank, or focused mortgage company. See our rankings here!

Banks Credit Unions Mortgage Companies

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Exceptional	Exceptional	Sound	Exceptional	$508Fees	0.585%Below	1,099
2	First Heritage Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	$3,058Fees	0.027%Above	1,561
3	INTERCOASTAL MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	$2,989Fees	0.020%Above	1,308
4	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	$2,550Fees	0.050%Below	1,896
5	Truist Bank BankDirect	Strong	Strong	Strong	Exceptional	$612Credit	0.112%Below	874
6	Atlantic Coast Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$2,985Fees	0.098%Above	1,682
7	Bank of America, National Association BankDirect	Strong	Strong	Strong	Strong	$1,534Fees	0.212%Below	301
8	Morgan Stanley Private Bank, National Association BankDirect	Strong	Exceptional	Strong	Strong	$363Fees	0.483%Below	109
9	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	$3,840Fees	0.124%Above	2,492
10	Manufacturers and Traders Trust Company BankDirect	Strong	Strong	Strong	Strong	$145Fees	0.158%Below	373
11	U.S. Bank National Association BankDirect	Strong	Strong	Strong	Strong	$130Credit	0.131%Below	243
12	NBKC BANK BankDirect	Strong	Exceptional	Sound	Strong	$52Credit	0.302%Below	125
13	United Bank BankDirect	Strong	Sound	Strong	Exceptional	$2,406Fees	0.048%Below	390
14	Citibank, National Association BankDirect	Strong	Exceptional	Sound	Strong	$685Fees	0.379%Below	183
15	Apple Federal Credit Union Credit UnionDirect	Strong	Strong	Strong	Strong	$2,584Fees	0.071%Below	181
16	Bank-Fund Staff Federal Credit Union Credit UnionDirect	Strong	Exceptional	Sound	Strong	$1,079Credit	0.092%Below	157
17	FIRST SAVINGS MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	$3,018Fees	0.178%Above	790
18	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$2,468Fees	0.058%Above	1,098
19	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Exceptional	$1,315Fees	0.062%Below	595
20	Ameris Bank BankDirect	Strong	Sound	Exceptional	Exceptional	$4,138Fees	0.055%Above	448
21	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$2,406Fees	0.033%Below	949
22	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$1,864Fees	0.012%Above	451
23	Citizens Bank, National Association BankDirect	Strong	Strong	Strong	Strong	$893Fees	0.146%Below	205
24	First National Bank of Pennsylvania BankDirect	Strong	Sound	Strong	Strong	$1,330Fees	0.094%Below	190
25	United Nations Federal Credit Union Credit UnionDirect	Strong	Strong	Sound	Strong	$1,578Credit	0.454%Below	149
26	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Sound	Strong	$777Fees	0.173%Below	126
27	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	$2,826Fees	0.099%Above	662
28	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Sound	Strong	$1,805Fees	0.129%Below	426
29	Vellum Mortgage, Inc. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Exceptional	$3,070Fees	0.204%Above	288
30	PNC Bank, National Association BankDirect	Strong	Strong	Strong	Strong	$11Credit	0.039%Below	145
31	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$2,874Fees	0.184%Above	883
32	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,227Fees	0.020%Above	445
33	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$1,911Fees	0.295%Below	442
34	ATLANTIC BAY MORTGAGE GROUP, L.L.C. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$2,564Fees	0.079%Above	391
35	CREDIT UNION MORTGAGE ASSOCIATION, INC. Independent Mortgage CompanyDirect	Strong	Exceptional	Acceptable	Strong	$2,853Fees	0.644%Below	101
36	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Exceptional	$1,310Fees	0.189%Below	685
37	NFM, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$3,158Fees	0.258%Above	547
38	Alcova Mortgage LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$2,187Fees	0.090%Above	156
39	EMBRACE HOME LOANS, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	$3,161Fees	0.073%Above	459
40	JAMS-01, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	$3,497Fees	0.021%Above	249
41	Sandy Spring Bank BankDirect	Strong	Sound	Strong	Strong	$2,231Fees	0.095%Above	147
42	Towne Bank BankDirect	Strong	Acceptable	Exceptional	Strong	$3,027Fees	0.020%Below	160
43	Atlantic Union Bank BankDirect	Strong	Sound	Strong	Strong	$2,433Fees	0.055%Above	118
44	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	$2,015Fees	0.327%Above	533
45	FIRST HOME MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	$4,566Fees	0.254%Above	297
46	BAY EQUITY LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	$2,266Fees	0.004%Above	297
47	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$2,396Fees	0.336%Above	263
48	Integrity Home Mortgage Corporation Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$4,059Fees	0.372%Above	224
49	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Strong	Strong	$1,642Fees	0.148%Above	189
50	NATIONS DIRECT MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Strong	Strong	$1,937Fees	0.213%Above	144

❓ Frequently Asked Questions

How are mortgage lenders ranked in Arlington?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Arlington), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Arlington?+

Based on 2024 HMDA data, 228 lenders originated a combined 37,139 loans in Arlington. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Arlington?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Arlington is 0.12%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Arlington's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.