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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 VA Mortgage Company Lenders in Richmond
Updated February 5, 2026
Market Overview
41
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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,602 | +0.035% | 997 | |
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 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,111 | +0.259% | 622 | |
6 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,463 | +0.311% | 607 | |
7 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,972 | +0.336% | 198 | |
8 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,733 | -0.170% | 180 | |
9 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,453 | +0.166% | 212 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,841 | +0.407% | 68 | |
11 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Sound | $1,868 | +0.113% | 46 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,453 | +0.284% | 1,551 | |
13 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,268 | +0.532% | 495 | |
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 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,574 | +0.301% | 250 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,804 | +0.123% | 229 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,255 | +0.197% | 82 | |
19 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,706 | +0.234% | 209 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,981 | +0.437% | 116 | |
21 | FIRST HOME MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,090 | +0.533% | 88 | |
22 | Tidewater Home Funding, LLC | Strong | Sound | Strong | Strong | Strong | $2,929 | -0.027% | 55 | |
23 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Sound | $4,069 | +0.003% | 42 | |
24 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,409 | +0.847% | 260 | |
25 | Towne First Mortgage, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,328 | +0.341% | 244 | |
26 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,449 | +0.411% | 153 | |
27 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,422 | +0.336% | 144 | |
28 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Strong | $3,835 | +0.478% | 142 | |
29 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,397 | +0.351% | 95 | |
30 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,453 | +0.606% | 45 | |
31 | C & F Mortgage Corporation | Strong | Mediocre | Strong | Exceptional | Exceptional | $3,324 | +0.322% | 658 | |
32 | SOUTHERN TRUST MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,942 | +0.444% | 340 | |
33 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Strong | $5,112 | +0.326% | 95 | |
34 | CALCON MUTUAL MORTGAGE LLC | Strong | Acceptable | Strong | Strong | Strong | $3,301 | +0.275% | 85 | |
35 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $3,648 | -0.581% | 55 | |
36 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,323 | -0.042% | 48 | |
37 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,312 | +0.777% | 39 | |
38 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,605 | +0.584% | 83 | |
39 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | 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 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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