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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 Conventional Mortgage Company Lenders in Richmond
Updated February 5, 2026
Market Overview
45
Total Lenders
18,305
Total Loans
0.26%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $597 | -0.199% | 110 | |
2 | CAPITAL CENTER, L.L.C. | Exceptional | Strong | Strong | Strong | Exceptional | $612 | +0.059% | 653 | |
3 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,111 | +0.259% | 622 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,453 | +0.284% | 1,551 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,602 | +0.035% | 997 | |
6 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,885 | +0.469% | 455 | |
7 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,255 | +0.277% | 422 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,804 | +0.123% | 229 | |
9 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,706 | +0.234% | 209 | |
10 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,255 | +0.197% | 82 | |
11 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,463 | +0.311% | 607 | |
12 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,732 | +0.256% | 505 | |
13 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,266 | +0.036% | 352 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,733 | -0.170% | 180 | |
15 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,587 | +0.316% | 44 | |
16 | C & F Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $3,324 | +0.322% | 658 | |
17 | SOUTHERN TRUST MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,942 | +0.444% | 340 | |
18 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,453 | +0.166% | 212 | |
19 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,972 | +0.336% | 198 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,449 | +0.411% | 153 | |
21 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,422 | +0.336% | 144 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,981 | +0.437% | 116 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,397 | +0.351% | 95 | |
24 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,595 | +0.441% | 86 | |
25 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,841 | +0.407% | 68 | |
26 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,604 | +0.215% | 52 | |
27 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,268 | +0.532% | 495 | |
28 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,574 | +0.301% | 250 | |
29 | Towne First Mortgage, LLC | Strong | Acceptable | Sound | Strong | Exceptional | $2,328 | +0.341% | 244 | |
30 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Strong | $3,835 | +0.478% | 142 | |
31 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Strong | $5,112 | +0.326% | 95 | |
32 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,090 | +0.533% | 88 | |
33 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,605 | +0.584% | 83 | |
34 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $3,648 | -0.581% | 55 | |
35 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,868 | +0.113% | 46 | |
36 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,409 | +0.847% | 260 | |
37 | C&F Select LLC | Strong | Sound | Acceptable | Sound | Strong | $2,427 | +0.442% | 69 | |
38 | Tidewater Home Funding, LLC | Sound | Acceptable | Sound | Sound | Strong | $2,929 | -0.027% | 55 | |
39 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,453 | +0.606% | 45 | |
40 | CALCON MUTUAL MORTGAGE LLC | Sound | Mediocre | Strong | Sound | Strong | $3,301 | +0.275% | 85 | |
41 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $4,323 | -0.042% | 48 | |
42 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Sound | $4,312 | +0.777% | 39 | |
43 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Strong | Acceptable | Sound | $3,421 | +0.020% | 50 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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