# Best VA Mortgage Lenders in Nassau County

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

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

> **Canonical URL:** https://saferate.com/nassau-county/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:** 115
- **Total Loans:** 22,725
- **Median Rate Spread:** 0.21122123893805309%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 2,441 | Independent Mortgage Company |
| 2 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 421 | Independent Mortgage Company |
| 3 | GUARANTEED RATE, INC. | 85 | 79 | 70 | 174 | Independent Mortgage Company |
| 4 | CMG MORTGAGE, INC. | 83 | 54 | 81 | 352 | Independent Mortgage Company |
| 5 | MID-ISLAND MORTGAGE CORP. | 80 | 64 | 71 | 156 | Independent Mortgage Company |
| 6 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 1,401 | Independent Mortgage Company |
| 7 | NEWREZ LLC | 79 | 47 | 63 | 357 | Independent Mortgage Company |
| 8 | PLAZA HOME MORTGAGE, INC. | 79 | 42 | 63 | 299 | Independent Mortgage Company |
| 9 | LOANDEPOT.COM, LLC | 79 | 53 | 69 | 229 | Independent Mortgage Company |
| 10 | FREEDOM MORTGAGE CORPORATION | 79 | 61 | 63 | 78 | Independent Mortgage Company |
| 11 | NAVY FEDERAL CREDIT UNION | 77 | 91 | 59 | 77 | Credit Union |
| 12 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 32 | 71 | 904 | Independent Mortgage Company |
| 13 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 75 | 22 | 79 | 495 | Independent Mortgage Company |
| 14 | EMBRACE HOME LOANS, INC. | 71 | 38 | 77 | 464 | Independent Mortgage Company |
| 15 | CLIFFCO, INC. | 66 | 24 | 72 | 419 | Independent Mortgage Company |
| 16 | CONTOUR MORTGAGE CORPORATION | 60 | 18 | 62 | 1,411 | Independent Mortgage Company |
| 17 | NATIONWIDE MORTGAGE BANKERS, INC. | 60 | 5 | 71 | 937 | Independent Mortgage Company |
| 18 | UNITED MORTGAGE CORP. | 60 | 10 | 68 | 521 | Independent Mortgage Company |
| 19 | RELIANCE FIRST CAPITAL, LLC | 60 | N/A | 91 | 134 | Independent Mortgage Company |
| 20 | The Federal Savings Bank | 56 | 9 | 54 | 276 | Bank |
| 21 | JET DIRECT FUNDING CORP | 49 | 11 | 52 | 170 | 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 Nassau County.

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.