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Safe Rate's TrueRank Guarantee

Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.

Best Mortgage Lenders in Richmond

Updated February 5, 2026

Market Overview

150

Total Lenders

18,305

Total Loans

0.26%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	CAPITAL CENTER, L.L.C.	Exceptional	Exceptional	Strong	Exceptional	$612	+0.059%	653
2	Virginia Credit Union, Inc.	Exceptional	Strong	Strong	Exceptional	$584	+0.188%	681
3	Truist Bank	Exceptional	Strong	Strong	Exceptional	$1,254	+0.058%	492
4	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Sound	Strong	$618	-0.417%	317
5	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Sound	Strong	$597	-0.199%	110
6	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$2,602	+0.035%	997
7	First Heritage Mortgage, LLC	Strong	Sound	Exceptional	Exceptional	$2,111	+0.259%	622
8	U.S. Bank National Association	Strong	Strong	Strong	Strong	-$693	+0.121%	189
9	Bank of America, National Association	Strong	Strong	Strong	Strong	$1,574	-0.255%	111
10	United Bank	Strong	Sound	Strong	Exceptional	$1,846	+0.131%	584
11	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Exceptional	$2,266	+0.036%	352
12	Wells Fargo Bank, National Association	Strong	Strong	Sound	Strong	$1,569	+0.025%	225
13	Ameris Bank	Strong	Sound	Exceptional	Strong	$3,276	+0.141%	108
14	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$4,453	+0.284%	1,551
15	C & F Mortgage Corporation	Strong	Acceptable	Exceptional	Exceptional	$3,324	+0.322%	658
16	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$3,463	+0.311%	607
17	NFM, INC.	Strong	Acceptable	Exceptional	Exceptional	$4,268	+0.532%	495
18	Alcova Mortgage LLC	Strong	Acceptable	Exceptional	Exceptional	$1,885	+0.469%	455
19	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	$3,255	+0.277%	422
20	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Strong	$2,026	+0.043%	338
21	Towne Bank	Strong	Acceptable	Exceptional	Exceptional	$2,853	+0.305%	249
22	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Strong	$2,804	+0.123%	229
23	First National Bank of Pennsylvania	Strong	Sound	Strong	Strong	$1,116	+0.054%	205
24	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Strong	$1,733	-0.170%	180
25	Fulton Bank, National Association	Strong	Sound	Strong	Strong	$1,527	+0.300%	117
26	NexBank	Strong	Sound	Strong	Strong	$2,383	+0.052%	78
27	Atlantic Union Bank	Strong	Sound	Strong	Strong	$1,755	+0.125%	61
28	Tidewater Home Funding, LLC	Strong	Sound	Strong	Strong	$2,929	-0.027%	55
29	VANDERBILT MORTGAGE AND FINANCE, INC.	Strong	Sound	Exceptional	Sound	$2,587	+0.316%	44
30	Prosperity Home Mortgage, LLC	Strong	Acceptable	Strong	Exceptional	$1,732	+0.256%	505
31	Towne First Mortgage, LLC	Strong	Acceptable	Strong	Exceptional	$2,328	+0.341%	244
32	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	$1,453	+0.166%	212
33	Atlantic Coast Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	$2,706	+0.234%	209
34	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	$3,449	+0.411%	153
35	Integrity Home Mortgage Corporation	Strong	Acceptable	Exceptional	Strong	$3,835	+0.478%	142
36	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	$2,981	+0.437%	116
37	SWBC MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	$3,595	+0.441%	86
38	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Sound	Strong	$2,255	+0.197%	82
39	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	$2,841	+0.407%	68
40	USAA Federal Savings Bank	Strong	Sound	Sound	Strong	$2,075	-0.154%	65
41	SouthState Bank, National Association	Strong	Sound	Strong	Sound	$1,742	+0.359%	53
42	GUARANTEED RATE, INC.	Strong	Sound	Strong	Sound	$1,868	+0.113%	46
43	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Strong	$1,409	+0.847%	260
44	Presidential Bank, FSB	Strong	Acceptable	Strong	Strong	$3,084	+0.425%	199
45	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Strong	Strong	$2,972	+0.336%	198
46	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Strong	Strong	$3,422	+0.336%	144
47	TIDEWATER MORTGAGE SERVICES, INC.	Strong	Acceptable	Strong	Strong	$5,112	+0.326%	95
48	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	$4,397	+0.351%	95
49	Plains Commerce Bank	Strong	Acceptable	Strong	Strong	$3,286	+0.300%	67
50	Nations Lending Corporation	Strong	Acceptable	Exceptional	Sound	$3,604	+0.215%	52

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

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.

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