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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 Bank Lenders in Virginia Beach
Updated February 5, 2026
Market Overview
13
Total Lenders
25,142
Total Loans
0.15%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Armed Forces Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $543 | -0.110% | 76 | |
2 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,295 | +0.006% | 140 | |
3 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Sound | $941 | -0.411% | 67 | |
4 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,810 | +0.203% | 450 | |
5 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,500 | +0.064% | 232 | |
6 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $2,165 | -0.251% | 138 | |
7 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $858 | -0.026% | 72 | |
8 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $1,502 | +0.047% | 192 | |
9 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $1,999 | +0.073% | 211 | |
10 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $2,708 | +0.160% | 54 | |
11 | Presidential Bank, FSB | Strong | Acceptable | Strong | Exceptional | Strong | $2,782 | +0.322% | 264 | |
12 | Fulton Bank, National Association | Strong | Acceptable | Strong | Sound | Strong | $2,562 | +0.306% | 89 | |
13 | The Federal Savings Bank | Sound | Mediocre | Exceptional | Sound | Strong | $3,125 | +0.289% | 136 |
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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