🛡️

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 FHA 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	First Heritage Mortgage, LLC	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,111	+0.259%	622
2	CAPITAL CENTER, L.L.C.	Exceptional	Exceptional	Strong	Sound	Exceptional	$612	+0.059%	653
3	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,732	+0.256%	505
4	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,266	+0.036%	352
5	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,602	+0.035%	997
6	Virginia Credit Union, Inc.	Exceptional	Strong	Strong	Strong	Exceptional	$584	+0.188%	681
7	United Bank	Exceptional	Strong	Strong	Strong	Exceptional	$1,846	+0.131%	584
8	Towne Bank	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,853	+0.305%	249
9	Truist Bank	Exceptional	Strong	Strong	Sound	Exceptional	$1,254	+0.058%	492
10	U.S. Bank National Association	Exceptional	Strong	Exceptional	Sound	Strong	-$693	+0.121%	189
11	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$1,733	-0.170%	180
12	SWBC MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,595	+0.441%	86
13	Tidewater Home Funding, LLC	Exceptional	Strong	Strong	Strong	Strong	$2,929	-0.027%	55
14	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,453	+0.284%	1,551
15	NFM, INC.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,268	+0.532%	495
16	Alcova Mortgage LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,885	+0.469%	455
17	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,255	+0.277%	422
18	Towne First Mortgage, LLC	Strong	Sound	Strong	Strong	Exceptional	$2,328	+0.341%	244
19	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,804	+0.123%	229
20	Fulton Bank, National Association	Strong	Strong	Strong	Sound	Strong	$1,527	+0.300%	117
21	Ameris Bank	Strong	Sound	Exceptional	Strong	Strong	$3,276	+0.141%	108
22	Plains Commerce Bank	Strong	Sound	Exceptional	Strong	Strong	$3,286	+0.300%	67
23	GoodLeap, LLC	Strong	Strong	Exceptional	Sound	Sound	$3,648	-0.581%	55
24	SouthState Bank, National Association	Strong	Strong	Strong	Strong	Sound	$1,742	+0.359%	53
25	C & F Mortgage Corporation	Strong	Acceptable	Strong	Exceptional	Exceptional	$3,324	+0.322%	658
26	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,463	+0.311%	607
27	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$2,574	+0.301%	250
28	Atlantic Coast Mortgage, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,706	+0.234%	209
29	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,981	+0.437%	116
30	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,841	+0.407%	68
31	Atlantic Union Bank	Strong	Sound	Strong	Strong	Strong	$1,755	+0.125%	61
32	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Sound	$4,320	+0.297%	39
33	Wells Fargo Bank, National Association	Strong	Sound	Strong	Sound	Strong	$1,569	+0.025%	225
34	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,453	+0.166%	212
35	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,972	+0.336%	198
36	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,449	+0.411%	153
37	Integrity Home Mortgage Corporation	Strong	Acceptable	Exceptional	Strong	Strong	$3,835	+0.478%	142
38	Nations Lending Corporation	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,604	+0.215%	52
39	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$1,409	+0.847%	260
40	Presidential Bank, FSB	Strong	Acceptable	Strong	Strong	Strong	$3,084	+0.425%	199
41	TIDEWATER MORTGAGE SERVICES, INC.	Strong	Acceptable	Strong	Strong	Strong	$5,112	+0.326%	95
42	FIRST HOME MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Exceptional	Strong	$4,090	+0.533%	88
43	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Strong	$2,255	+0.197%	82
44	SUN WEST MORTGAGE COMPANY, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$4,069	+0.003%	42
45	SOUTHERN TRUST MORTGAGE, LLC	Strong	Mediocre	Strong	Strong	Exceptional	$3,942	+0.444%	340
46	NATIONSTAR MORTGAGE LLC	Strong	Mediocre	Exceptional	Strong	Strong	$3,422	+0.336%	144
47	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	Sound	$3,421	+0.020%	50
48	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$4,323	-0.042%	48
49	The Federal Savings Bank	Strong	Acceptable	Exceptional	Sound	Sound	$4,522	+0.589%	44

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.

Ready to find your perfect lender?

Get personalized recommendations based on your specific needs

Richmond, VAFHA

No credit impact

3-minute process

100% free