Safe Rate Rankings

Best Mortgage Lenders in Virginia Beach

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders160

Total Loans25,142

Median Rate Spread0.15%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Exceptional	$1,002Fees	0.888%Below	296
2	LANGLEY Federal Credit UnionCredit Union	Exceptional	Exceptional	Strong	Exceptional	$1,235Fees	0.405%Below	168
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Exceptional	$769Fees	0.468%Below	1,147
4	CAPITAL CENTER, L.L.C.Independent Mortgage Company	Exceptional	Exceptional	Strong	Strong	$470Fees	0.180%Above	154
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,708Fees	0.210%Below	1,433
6	Truist BankBank	Strong	Strong	Strong	Strong	$1,502Fees	0.047%Above	192
7	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,516Fees	0.098%Below	130
8	NBKC BANKBank	Strong	Exceptional	Sound	Sound	$941Fees	0.411%Below	67
9	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,717Fees	0.074%Below	899
10	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$1,999Fees	0.073%Above	211
11	Tidewater Home Funding, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$3,341Fees	0.061%Above	181
12	Ameris BankBank	Strong	Sound	Exceptional	Strong	$3,295Fees	0.006%Above	140
13	Armed Forces Bank, National AssociationBank	Strong	Strong	Sound	Strong	$543Fees	0.110%Below	76
14	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$858Fees	0.026%Below	72
15	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,805Fees	0.289%Above	1,813
16	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,466Fees	0.265%Above	1,581
17	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,045Fees	0.159%Above	863
18	Atlantic Coast Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,134Fees	0.168%Above	493
19	Towne BankBank	Strong	Acceptable	Exceptional	Exceptional	$2,810Fees	0.203%Above	450
20	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,509Fees	0.474%Below	264
21	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,806Fees	0.030%Above	250
22	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,500Fees	0.064%Above	232
23	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$1,646Fees	0.139%Below	106
24	Fulton Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,562Fees	0.306%Above	89
25	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,545Fees	0.539%Above	1,835
26	TIDEWATER MORTGAGE SERVICES, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,174Fees	0.129%Above	461
27	Advance Financial Group, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$4,257Fees	0.092%Above	442
28	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,261Fees	0.398%Above	339
29	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,451Fees	0.077%Above	234
30	C & F Mortgage CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,805Fees	0.225%Above	166
31	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Strong	$3,155Fees	0.318%Above	148
32	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,904Fees	0.377%Above	147
33	USAA Federal Savings BankBank	Strong	Sound	Sound	Strong	$2,165Fees	0.251%Below	138
34	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,020Fees	0.307%Above	132
35	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,661Fees	0.654%Above	121
36	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,316Fees	0.329%Above	120
37	HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,546Fees	0.383%Above	118
38	LoanUnited.com, LLCIndependent Mortgage Company	Strong	Sound	Sound	Strong	$2,454Fees	0.305%Below	116
39	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,589Fees	0.266%Above	106
40	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,643Fees	0.248%Above	100
41	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Sound	Strong	$4,095Fees	0.352%Below	88
42	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,878Fees	0.365%Above	341
43	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,860Fees	0.121%Above	319
44	Presidential Bank, FSBBank	Strong	Acceptable	Strong	Strong	$2,782Fees	0.322%Above	264
45	Archer Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,261Fees	0.131%Above	159
46	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,398Fees	0.398%Above	144
47	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,911Fees	0.303%Above	126
48	DRAGAS MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,461Fees	0.017%Above	109
49	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,818Fees	0.457%Above	58
50	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,996Fees	0.609%Above	57

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.