Safe Rate Rankings

Best VA 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

United Wholesale Mortgage is Safe Rate's top-ranked VA lender in Arlington, leading on pricing, pullthrough, VA product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Arlington, Nbkc Bank and Navy Federal Credit Union scores highest on VA pricing while First Heritage Mortgage and Atlantic Coast Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #1 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 (#12) and Atlantic Coast Mortgage (#8).

Explore Rankings by Type

Overall Rankings

All lenders in Arlington

Need rankings for a different loan product?

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Strong*	Exceptional	Exceptional	Exceptional	$2,550Fees	0.050%Below	1,896
2	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Exceptional	Exceptional	Exceptional	Sound	Exceptional	$508Fees	0.585%Below	1,099
3	First Heritage Mortgage, LLC Independent Mortgage CompanyDirect	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,058Fees	0.027%Above	1,561
4	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,310Fees	0.189%Below	685
5	NBKC BANK BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$52Credit	0.302%Below	125
6	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Exceptional	$2,406Fees	0.033%Below	949
7	Ameris Bank BankDirect	Strong	Strong	Exceptional	Exceptional	Exceptional	$4,138Fees	0.055%Above	448
8	Atlantic Coast Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,985Fees	0.098%Above	1,682
9	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Exceptional	$2,468Fees	0.058%Above	1,098
10	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Exceptional	$2,826Fees	0.099%Above	662
11	INTERCOASTAL MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Exceptional	Exceptional	$2,989Fees	0.020%Above	1,308
12	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,840Fees	0.124%Above	2,492
13	Truist Bank BankDirect	Strong	Strong	Strong	Sound	Exceptional	$612Credit	0.112%Below	874
14	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Exceptional	$1,315Fees	0.062%Below	595
15	GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Strong	$2,379Fees	0.007%Below	267
16	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,874Fees	0.184%Above	883
17	NFM, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,158Fees	0.258%Above	547
18	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,864Fees	0.012%Above	451
19	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$1,911Fees	0.295%Below	442
20	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$130Credit	0.131%Below	243
21	FIRST SAVINGS MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	Exceptional	$3,018Fees	0.178%Above	790
22	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Strong*	Exceptional	Sound	Strong	$2,227Fees	0.020%Above	445
23	United Bank BankDirect	Strong	Strong	Strong	Strong	Exceptional	$2,406Fees	0.048%Below	390
24	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Strong	Strong*	Exceptional	Strong	Strong	$1,642Fees	0.148%Above	189
25	AMERICAN FINANCIAL NETWORK, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$2,539Fees	0.444%Above	171
26	ATLANTIC BAY MORTGAGE GROUP, L.L.C. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,564Fees	0.079%Above	391
27	Vellum Mortgage, Inc. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Exceptional	$3,070Fees	0.204%Above	288
28	PENTAGON FEDERAL CREDIT UNION Credit UnionDirect	Strong	Strong	Exceptional	Sound	Strong	$2,815Fees	0.180%Below	195
29	HOMESPIRE MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Sound	Strong	Exceptional	Strong	$4,172Fees	0.306%Above	124
30	Manufacturers and Traders Trust Company BankDirect	Strong	Sound	Exceptional	Strong	Strong	$145Fees	0.158%Below	373
31	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,904Fees	0.124%Above	605
32	EMBRACE HOME LOANS, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Exceptional	$3,161Fees	0.073%Above	459
33	FIRST HOME MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,566Fees	0.254%Above	297
34	Integrity Home Mortgage Corporation Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,059Fees	0.372%Above	224
35	Citizens Bank, National Association BankDirect	Strong	Strong	Strong	Sound	Strong	$893Fees	0.146%Below	205
36	Towne Bank BankDirect	Strong	Sound	Exceptional	Exceptional	Strong	$3,027Fees	0.020%Below	160
37	Sandy Spring Bank BankDirect	Strong	Strong	Strong	Strong	Strong	$2,231Fees	0.095%Above	147
38	USAA Federal Savings Bank BankDirect	Strong	Strong	Exceptional	Sound	Strong	$1,614Fees	0.168%Below	137
39	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,015Fees	0.327%Above	533
40	BAY EQUITY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,266Fees	0.004%Above	297
41	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,575Fees	0.161%Above	250
42	Wells Fargo Bank, National Association BankDirect	Strong	Sound	Exceptional	Sound	Strong	$1,805Fees	0.129%Below	426
43	JAMS-01, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	Exceptional	$3,497Fees	0.021%Above	249
44	Alcova Mortgage LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,187Fees	0.090%Above	156
45	Presidential Bank, FSB BankDirect	Strong	Acceptable	Strong	Exceptional	Strong	$4,235Fees	0.178%Above	129
46	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,464Fees	0.284%Above	77
47	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,264Fees	0.435%Above	226
48	NATIONS DIRECT MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$1,937Fees	0.213%Above	144
49	Plains Commerce Bank BankWholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,762Fees	0.158%Above	108
50	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,396Fees	0.336%Above	263

❓ 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 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.

⚖️ 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.