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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 Company Lenders in Richmond
Updated February 5, 2026
Market Overview
47
Total Lenders
13,705
Total Loans
0.32%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | CAPITAL CENTER, L.L.C. | Exceptional | Exceptional | Strong | Exceptional | $612 | +0.059% | 653 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $597 | -0.199% | 110 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,602 | +0.035% | 997 | |
4 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Exceptional | $2,111 | +0.259% | 622 | |
5 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $2,266 | +0.036% | 352 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,453 | +0.284% | 1,551 | |
7 | C & F Mortgage Corporation | Strong | Acceptable | Exceptional | Exceptional | $3,324 | +0.322% | 658 | |
8 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,463 | +0.311% | 607 | |
9 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $4,268 | +0.532% | 495 | |
10 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | $1,885 | +0.469% | 455 | |
11 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $3,255 | +0.277% | 422 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,804 | +0.123% | 229 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,733 | -0.170% | 180 | |
14 | Tidewater Home Funding, LLC | Strong | Sound | Strong | Strong | $2,929 | -0.027% | 55 | |
15 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Sound | $2,587 | +0.316% | 44 | |
16 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $1,732 | +0.256% | 505 | |
17 | Towne First Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $2,328 | +0.341% | 244 | |
18 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,453 | +0.166% | 212 | |
19 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | $2,706 | +0.234% | 209 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,449 | +0.411% | 153 | |
21 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | $3,835 | +0.478% | 142 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,981 | +0.437% | 116 | |
23 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,595 | +0.441% | 86 | |
24 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,255 | +0.197% | 82 | |
25 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,841 | +0.407% | 68 | |
26 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $1,868 | +0.113% | 46 | |
27 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,409 | +0.847% | 260 | |
28 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $2,972 | +0.336% | 198 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,422 | +0.336% | 144 | |
30 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | $5,112 | +0.326% | 95 | |
31 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,397 | +0.351% | 95 | |
32 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $3,648 | -0.581% | 55 | |
33 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Sound | $3,604 | +0.215% | 52 | |
34 | SOUTHERN TRUST MORTGAGE, LLC | Sound | Mediocre | Strong | Exceptional | $3,942 | +0.444% | 340 | |
35 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,574 | +0.301% | 250 | |
36 | FIRST HOME MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $4,090 | +0.533% | 88 | |
37 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,605 | +0.584% | 83 | |
38 | C&F Select LLC | Sound | Acceptable | Sound | Strong | $2,427 | +0.442% | 69 | |
39 | SUN WEST MORTGAGE COMPANY, INC. | Sound | Acceptable | Strong | Sound | $4,069 | +0.003% | 42 | |
40 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $4,323 | -0.042% | 48 | |
41 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | $4,312 | +0.777% | 39 | |
42 | CALCON MUTUAL MORTGAGE LLC | Sound | Mediocre | Sound | Strong | $3,301 | +0.275% | 85 | |
43 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Sound | $3,453 | +0.606% | 45 | |
44 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Sound | $3,421 | +0.020% | 50 | |
45 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Sound | $5,877 | +0.735% | 45 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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