# Best Bank Mortgage Lenders in Richmond, VA - 2026


> **📋 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


> Compare the top banks offering mortgages in Richmond, VA. Data-driven rankings based on pricing, approval rates, and local market expertise.

## Market Overview

- **Location:** Richmond, VA
- **Ranking Type:** Best Mortgage Lenders
- **Institution Type:** Banks
- **Total Lenders in Market:** 34
- **Total Loan Volume:** 3,515
- **Last Updated:** 2026-02-05

## Top Lenders

| Rank | Lender | Type | Overall | Pricing | Pull Through |
|------|--------|------|---------|---------|--------------|
| 1 | [Truist Bank](https://saferate.com/lenders/truist-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 2 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 3 | [Bank of America, National Association](https://saferate.com/lenders/bank-of-america-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 4 | [United Bank](https://saferate.com/lenders/united-bank-va) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 5 | [Ameris Bank](https://saferate.com/lenders/ameris-bank) | Bank | Strong 😀 | Sound ☺️ | Exceptional 🤩 |
| 6 | [Towne Bank](https://saferate.com/lenders/towne-bank) | Bank | Strong 😀 | Acceptable 🙂 | Exceptional 🤩 |
| 7 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 8 | [Wells Fargo Bank, National Association](https://saferate.com/lenders/wells-fargo-bank-national-association) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 9 | [First National Bank of Pennsylvania](https://saferate.com/lenders/first-national-bank-of-pennsylvania) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 10 | [Fulton Bank, National Association](https://saferate.com/lenders/fulton-bank-national-association) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 11 | [NexBank](https://saferate.com/lenders/nexbank) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 12 | [Atlantic Union Bank](https://saferate.com/lenders/atlantic-union-bank) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 13 | [SouthState Bank, National Association](https://saferate.com/lenders/southstate-bank-national-association) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 14 | [USAA Federal Savings Bank](https://saferate.com/lenders/usaa-federal-savings-bank) | Bank | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 15 | [Presidential Bank, FSB](https://saferate.com/lenders/presidential-bank-fsb) | Bank | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 16 | [Plains Commerce Bank](https://saferate.com/lenders/plains-commerce-bank) | Bank | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 17 | [Flagstar Bank, N.A.](https://saferate.com/lenders/flagstar-bank) | Bank | Sound ☺️ | Acceptable 🙂 | Strong 😀 |
| 18 | [The Federal Savings Bank](https://saferate.com/lenders/the-federal-savings-bank) | Bank | Sound ☺️ | Mediocre 😐 | Sound ☺️ |

## Lender Profiles

Click on any lender above to view their full Safe Rate profile, including:
- Detailed pricing analysis
- Pull-through rates
- Product specializations
- Safe Rate Awards
- Geographic coverage

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*Rankings provided by Safe Rate based on HMDA data analysis.*
*Data Version: 2024-HMDA | Last Updated: 2026-02-05*

[View interactive rankings on Safe Rate](https://saferate.com/richmond-va/best-mortgage-lenders/banks)