# Best FHA Mortgage Lenders in Virginia Beach

**As of:** 2026-06-04

Compare the top FHA mortgage lenders in Virginia Beach. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/local/virginia-beach/best-mortgage-lenders/fha-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:** 160
- **Total Loans:** 25,142
- **Median Rate Spread:** 0.15340645161290323%

## Top Lenders

| Rank | Lender | Safe Rate Score | Pricing | Product | Pull-Through | Place | Avg Fees | Rate Spread | Volume | Type | Channel | Notes |
|------|--------|----------------|---------|---------|--------------|-------|----------|-------------|--------|------|---------|-------|
| 1 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | 81 | 52 | 100 | 81 | 91 | $2708 | -0.210% | 1,433 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 2 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | 77 | 36 | 100 | 81 | 92 | $4466 | 0.265% | 1,581 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Rocket Mortgage directly or with a mortgage broker. |
| 3 | [FREEDOM MORTGAGE CORPORATION](https://saferate.com/lenders/freedom-mortgage) | 77 | 65 | 95 | 62 | 88 | $1717 | -0.074% | 899 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Freedom Mortgage Corporation directly or with a mortgage broker. |
| 4 | [Towne Bank](https://saferate.com/lenders/towne-bank) | 76 | 58 | 80 | 82 | 85 | $2810 | 0.203% | 450 | Bank | Direct | — |
| 5 | [PENNYMAC LOAN SERVICES, LLC](https://saferate.com/lenders/pennymac-loan-services) | 76 | 78 | 91 | 59 | 73 | $2509 | -0.474% | 264 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Pennymac Loan Services directly or with a mortgage broker. |
| 6 | [ATLANTIC BAY MORTGAGE GROUP, L.L.C.](https://saferate.com/lenders/atlantic-bay-mortgage-group) | 75 | 28 | 89 | 84 | 100 | $3805 | 0.289% | 1,813 | Independent Mortgage Company | Direct | — |
| 7 | [Prosperity Home Mortgage, LLC](https://saferate.com/lenders/prosperity-home-mortgage) | 75 | 63 | 88 | 72 | 77 | $1860 | 0.121% | 319 | Independent Mortgage Company | Direct | — |
| 8 | [LOANDEPOT.COM, LLC](https://saferate.com/lenders/loandepotcom) | 73 | 59 | 95 | 68 | 72 | $3806 | 0.030% | 250 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Loandepot.Com directly or with a mortgage broker. |
| 9 | [MOVEMENT MORTGAGE, LLC](https://saferate.com/lenders/movement-mortgage) | 72 | 30 | 94 | 79 | 87 | $3045 | 0.159% | 863 | Independent Mortgage Company | Direct | — |
| 10 | [CAPITAL CENTER, L.L.C.](https://saferate.com/lenders/capital-center) | 72 | 89 | 69 | 55 | 74 | $470 | 0.180% | 154 | Independent Mortgage Company | Direct | — |
| 11 | [FIRST COMMUNITY MORTGAGE, INC.](https://saferate.com/lenders/first-community-mortgage) | 71 | 33 | 88 | 84 | 79 | $2261 | 0.398% | 339 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with First Community Mortgage directly or with a mortgage broker. |
| 12 | [Ameris Bank](https://saferate.com/lenders/ameris-bank) | 71 | 50 | 87 | 78 | 68 | $3295 | 0.006% | 140 | Bank | Direct | — |
| 13 | [Atlantic Coast Mortgage, LLC](https://saferate.com/lenders/atlantic-coast-mortgage) | 70 | 35 | 80 | 81 | 86 | $3134 | 0.168% | 493 | Independent Mortgage Company | Direct | — |
| 14 | [NEWREZ LLC](https://saferate.com/lenders/newrez) | 70 | 52 | 93 | 56 | 80 | $2362 | 0.187% | 442 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Newrez Llc directly or with a mortgage broker. |
| 15 | [Truist Bank](https://saferate.com/lenders/truist-bank) | 70 | 75 | 80 | 53 | 71 | $1502 | 0.047% | 192 | Bank | Direct | — |
| 16 | [Tidewater Home Funding, LLC](https://saferate.com/lenders/tidewater-home-funding) | 70 | 61 | 61 | 76 | 80 | $3341 | 0.061% | 181 | Independent Mortgage Company | Direct | — |
| 17 | [LANGLEY Federal Credit Union](https://saferate.com/lenders/langley-federal-credit-union) | 70 | 85 | N/A | 65 | 80 | $1235 | -0.405% | 168 | Credit Union | Direct | — |
| 18 | [Alcova Mortgage LLC](https://saferate.com/lenders/alcova-mortgage) | 70 | 39 | 85 | 85 | 70 | $2904 | 0.377% | 147 | Independent Mortgage Company | Direct | — |
| 19 | [CMG MORTGAGE, INC.](https://saferate.com/lenders/cmg-mortgage) | 69 | 32 | 94 | 79 | 72 | $2451 | 0.077% | 234 | Independent Mortgage Company | Direct | — |
| 20 | [CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP](https://saferate.com/lenders/cardinal-financial-company-limited-partnership) | 69 | 38 | 92 | 79 | 66 | $3661 | 0.654% | 121 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Cardinal Financial Company, Limited Partnership directly or with a mortgage broker. |
| 21 | [AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC](https://saferate.com/lenders/american-neighborhood-mortgage-acceptance-company) | 68 | 17 | 87 | 70 | 99 | $3607 | 0.350% | 1,538 | Independent Mortgage Company | Direct | — |
| 22 | [Advance Financial Group, LLC](https://saferate.com/lenders/advance-financial-group) | 68 | 38 | 66 | 78 | 90 | $4257 | 0.092% | 442 | Independent Mortgage Company | Direct | — |
| 23 | [Mortgage Research Center, LLC](https://saferate.com/lenders/mortgage-research-center) | 67 | 34 | 85 | 54 | 96 | $2545 | 0.539% | 1,835 | Independent Mortgage Company | Direct | — |
| 24 | [TIDEWATER MORTGAGE SERVICES, INC.](https://saferate.com/lenders/tidewater-mortgage-services) | 67 | 35 | 75 | 71 | 88 | $3174 | 0.129% | 461 | Independent Mortgage Company | Direct | — |
| 25 | [T2 FINANCIAL LLC](https://saferate.com/lenders/t2-financial) | 67 | 29 | 88 | 82 | 68 | $3020 | 0.307% | 132 | Independent Mortgage Company | Direct | — |
| 26 | [GUILD MORTGAGE COMPANY LLC](https://saferate.com/lenders/guild-mortgage-company) | 67 | 29 | 96 | 80 | 63 | $2589 | 0.266% | 106 | Independent Mortgage Company | Direct | — |
| 27 | [Fulton Bank, National Association](https://saferate.com/lenders/fulton-bank-national-association) | 67 | 74 | 72 | 59 | 65 | $2562 | 0.306% | 89 | Bank | Direct | — |
| 28 | [GoodLeap, LLC](https://saferate.com/lenders/goodleap) | 67 | 62 | 84 | 58 | 63 | $4095 | -0.352% | 88 | Independent Mortgage Company | Direct | — |
| 29 | [NFM, INC.](https://saferate.com/lenders/nfm) | 67 | 40 | 90 | 83 | 57 | $3818 | 0.457% | 58 | Independent Mortgage Company | Direct | — |
| 30 | [SOUTHERN TRUST MORTGAGE, LLC](https://saferate.com/lenders/southern-trust-mortgage) | 66 | 15 | 78 | 76 | 97 | $4240 | 0.307% | 974 | Independent Mortgage Company | Direct | — |
| 31 | [Presidential Bank, FSB](https://saferate.com/lenders/presidential-bank-fsb) | 66 | 31 | 76 | 78 | 79 | $2782 | 0.322% | 264 | Bank | Direct | — |
| 32 | [CROSSCOUNTRY MORTGAGE, LLC](https://saferate.com/lenders/crosscountry-mortgage) | 65 | 19 | 96 | 69 | 75 | $2878 | 0.365% | 341 | Independent Mortgage Company | Direct | — |
| 33 | [C & F Mortgage Corporation](https://saferate.com/lenders/c-f-mortgage) | 65 | 26 | 78 | 81 | 75 | $3805 | 0.225% | 166 | Independent Mortgage Company | Direct | — |
| 34 | [FAIRWAY INDEPENDENT MORTGAGE CORPORATION](https://saferate.com/lenders/fairway-independent-mortgage) | 65 | 20 | 95 | 82 | 64 | $3316 | 0.329% | 120 | Independent Mortgage Company | Direct | — |
| 35 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | 65 | 38 | 92 | 68 | 63 | $1646 | -0.139% | 106 | Independent Mortgage Company | Direct | — |
| 36 | [Plains Commerce Bank](https://saferate.com/lenders/plains-commerce-bank) | 65 | 47 | 91 | 66 | 56 | $2708 | 0.160% | 54 | Bank | Wholesale | Pricing may vary between mortgage brokers. |
| 37 | [Towne Mortgage, LLC](https://saferate.com/lenders/towne-mortgage-va) | 64 | 37 | 63 | 71 | 87 | $4185 | 0.218% | 333 | Independent Mortgage Company | Direct | — |
| 38 | [MORIA DEVELOPMENT, INC.](https://saferate.com/lenders/moria-development) | 64 | 21 | 84 | 82 | 69 | $2294 | 0.111% | 124 | Independent Mortgage Company | Direct | — |
| 39 | [PRIMELENDING, A PLAINSCAPITAL COMPANY](https://saferate.com/lenders/primelending-a-plainscapital) | 64 | 22 | 91 | 82 | 63 | $3643 | 0.248% | 100 | Independent Mortgage Company | Direct | — |
| 40 | [EMM LOANS LLC](https://saferate.com/lenders/emm-loans) | 64 | 44 | 87 | 67 | 59 | $2646 | -0.194% | 62 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Emm Loans Llc directly or with a mortgage broker. |
| 41 | [AMERICAN FINANCIAL NETWORK, INC.](https://saferate.com/lenders/american-financial-network) | 63 | 25 | 91 | 69 | 68 | $1398 | 0.398% | 144 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with American Financial Network directly or with a mortgage broker. |
| 42 | [HOMESPIRE MORTGAGE CORPORATION](https://saferate.com/lenders/homespire-mortgage) | 63 | 23 | 81 | 80 | 69 | $2546 | 0.383% | 118 | Independent Mortgage Company | Direct | — |
| 43 | [Sierra Pacific Mortgage Company, Inc.](https://saferate.com/lenders/sierra-pacific-mortgage-company) | 63 | 33 | 86 | 75 | 57 | $3542 | 0.170% | 55 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Sierra Pacific Mortgage Company directly or with a mortgage broker. |
| 44 | [UNION HOME MORTGAGE CORP.](https://saferate.com/lenders/union-home-mortgage) | 62 | 22 | 91 | 80 | 56 | $3996 | 0.609% | 57 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Union Home Mortgage Corp. directly or with a mortgage broker. |
| 45 | [Wells Fargo Bank, National Association](https://saferate.com/lenders/wells-fargo-bank-national-association) | 61 | 57 | 74 | 42 | 71 | $1999 | 0.073% | 211 | Bank | Direct | — |
| 46 | [MUTUAL OF OMAHA MORTGAGE, INC.](https://saferate.com/lenders/mutual-of-omaha-mortgage) | 61 | 36 | 84 | 56 | 68 | $3155 | 0.318% | 148 | Independent Mortgage Company | Direct | — |
| 47 | [LoanUnited.com, LLC](https://saferate.com/lenders/loanunitedcom) | 61 | 54 | 74 | 47 | 69 | $2454 | -0.305% | 116 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 48 | [CALCON MUTUAL MORTGAGE LLC](https://saferate.com/lenders/calcon-mutual-mortgage) | 60 | 17 | 82 | 62 | 78 | $2974 | 0.180% | 255 | Independent Mortgage Company | Direct | — |
| 49 | [EVERETT FINANCIAL, INC.](https://saferate.com/lenders/everett-financial) | 60 | 9 | 90 | 80 | 59 | $2905 | 0.264% | 72 | Independent Mortgage Company | Direct | — |
| 50 | [Archer Mortgage, LLC](https://saferate.com/lenders/archer-mortgage) | 59 | 37 | 59 | 62 | 80 | $3261 | 0.131% | 159 | Independent Mortgage Company | Direct | — |

## 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 Virginia Beach.

Our composite Safe Rate Score is derived using a weighted average 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.
## Market Insights

- United Wholesale Mortgage is Safe Rate's top-ranked FHA lender in Virginia Beach, leading on pricing, pullthrough, FHA product expertise, and local knowledge.
- There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Virginia Beach, Capital Center and Pennymac Loan Services scores highest on FHA pricing while Atlantic Bay Mortgage Group and Towne Bank leads on likelihood to close. That is why we encourage speaking with multiple lenders.
- United Wholesale Mortgage (UWM) ranks #1 in Virginia Beach, 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 Virginia Beach: Rocket Mortgage (#2) and Atlantic Bay Mortgage Group (#6).


## Frequently Asked Questions

### How are mortgage lenders ranked in Virginia Beach?

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 Virginia Beach), 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 Virginia Beach?

Based on 2024 HMDA data, 160 lenders originated a combined 25,142 loans in Virginia Beach. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

### What does the rate spread tell me about a lender in Virginia Beach?

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Virginia Beach is 0.15%. 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 Virginia Beach's rankings, all three institution types are evaluated on the same HMDA performance metrics.

## Licensing & Disclosures

Lender rankings and market statistics are created by [Dylan Hall, licensed mortgage loan officer (NMLS #1658740)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/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)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/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.