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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 Conventional 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	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	Truist Bank	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,254	+0.058%	492
2	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$618	-0.417%	317
3	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Strong	$597	-0.199%	110
4	Virginia Credit Union, Inc.	Exceptional	Strong	Strong	Strong	Exceptional	$584	+0.188%	681
5	CAPITAL CENTER, L.L.C.	Exceptional	Strong	Strong	Strong	Exceptional	$612	+0.059%	653
6	First Heritage Mortgage, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,111	+0.259%	622
7	First National Bank of Pennsylvania	Exceptional	Strong	Exceptional	Strong	Strong	$1,116	+0.054%	205
8	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	-$693	+0.121%	189
9	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,574	-0.255%	111
10	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,569	+0.025%	225
11	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,453	+0.284%	1,551
12	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,602	+0.035%	997
13	United Bank	Strong	Sound	Strong	Strong	Exceptional	$1,846	+0.131%	584
14	Alcova Mortgage LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,885	+0.469%	455
15	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,255	+0.277%	422
16	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,026	+0.043%	338
17	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,804	+0.123%	229
18	Atlantic Coast Mortgage, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,706	+0.234%	209
19	Ameris Bank	Strong	Sound	Exceptional	Strong	Strong	$3,276	+0.141%	108
20	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Strong	$2,255	+0.197%	82
21	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,463	+0.311%	607
22	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,732	+0.256%	505
23	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Exceptional	$2,266	+0.036%	352
24	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,733	-0.170%	180
25	NexBank	Strong	Sound	Strong	Strong	Strong	$2,383	+0.052%	78
26	Atlantic Union Bank	Strong	Sound	Strong	Strong	Strong	$1,755	+0.125%	61
27	SouthState Bank, National Association	Strong	Sound	Exceptional	Strong	Sound	$1,742	+0.359%	53
28	VANDERBILT MORTGAGE AND FINANCE, INC.	Strong	Sound	Exceptional	Strong	Sound	$2,587	+0.316%	44
29	C & F Mortgage Corporation	Strong	Acceptable	Strong	Strong	Exceptional	$3,324	+0.322%	658
30	SOUTHERN TRUST MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$3,942	+0.444%	340
31	Towne Bank	Strong	Acceptable	Strong	Strong	Exceptional	$2,853	+0.305%	249
32	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,453	+0.166%	212
33	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,972	+0.336%	198
34	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,449	+0.411%	153
35	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,422	+0.336%	144
36	Fulton Bank, National Association	Strong	Acceptable	Exceptional	Strong	Strong	$1,527	+0.300%	117
37	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,981	+0.437%	116
38	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,397	+0.351%	95
39	SWBC MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,595	+0.441%	86
40	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$2,841	+0.407%	68
41	Plains Commerce Bank	Strong	Acceptable	Exceptional	Strong	Strong	$3,286	+0.300%	67
42	Nations Lending Corporation	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,604	+0.215%	52
43	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,574	+0.301%	250
44	Towne First Mortgage, LLC	Strong	Acceptable	Sound	Strong	Exceptional	$2,328	+0.341%	244
45	Presidential Bank, FSB	Strong	Acceptable	Strong	Strong	Strong	$3,084	+0.425%	199
46	Integrity Home Mortgage Corporation	Strong	Acceptable	Strong	Strong	Strong	$3,835	+0.478%	142
47	TIDEWATER MORTGAGE SERVICES, INC.	Strong	Acceptable	Strong	Strong	Strong	$5,112	+0.326%	95
48	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,605	+0.584%	83
49	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$1,868	+0.113%	46
50	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Sound	$4,320	+0.297%	39

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 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.

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