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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 Lenders in Virginia Beach

Updated February 5, 2026

Market Overview

160

Total Lenders

25,142

Total Loans

0.15%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Exceptional	$769	-0.468%	1,147
2	NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,002	-0.888%	296
3	LANGLEY Federal Credit Union	Exceptional	Exceptional	Sound	Strong	Exceptional	$1,235	-0.405%	168
4	Truist Bank	Exceptional	Strong	Exceptional	Strong	Strong	$1,502	+0.047%	192
5	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,516	-0.098%	130
6	Atlantic Coast Mortgage, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,134	+0.168%	493
7	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,999	+0.073%	211
8	CAPITAL CENTER, L.L.C.	Exceptional	Strong	Strong	Strong	Strong	$470	+0.180%	154
9	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Sound	$858	-0.026%	72
10	NBKC BANK	Exceptional	Exceptional	Strong	Sound	Sound	$941	-0.411%	67
11	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,805	+0.289%	1,813
12	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,466	+0.265%	1,581
13	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,708	-0.210%	1,433
14	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,806	+0.030%	250
15	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,500	+0.064%	232
16	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Strong	$3,155	+0.318%	148
17	Ameris Bank	Strong	Sound	Exceptional	Strong	Strong	$3,295	+0.006%	140
18	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Exceptional	$1,717	-0.074%	899
19	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,045	+0.159%	863
20	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$2,509	-0.474%	264
21	Alcova Mortgage LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,904	+0.377%	147
22	SOUTHERN TRUST MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$4,240	+0.307%	974
23	TIDEWATER MORTGAGE SERVICES, INC.	Strong	Acceptable	Strong	Strong	Exceptional	$3,174	+0.129%	461
24	Towne Bank	Strong	Acceptable	Strong	Strong	Exceptional	$2,810	+0.203%	450
25	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,878	+0.365%	341
26	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,261	+0.398%	339
27	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,860	+0.121%	319
28	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,451	+0.077%	234
29	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,398	+0.398%	144
30	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,020	+0.307%	132
31	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,911	+0.303%	126
32	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$3,661	+0.654%	121
33	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,316	+0.329%	120
34	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,589	+0.266%	106
35	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,646	-0.139%	106
36	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$3,643	+0.248%	100
37	Fulton Bank, National Association	Strong	Acceptable	Exceptional	Strong	Strong	$2,562	+0.306%	89
38	GoodLeap, LLC	Strong	Sound	Strong	Sound	Strong	$4,095	-0.352%	88
39	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Exceptional	$2,545	+0.539%	1,835
40	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,607	+0.350%	1,538
41	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,362	+0.187%	442
42	Presidential Bank, FSB	Strong	Acceptable	Strong	Strong	Strong	$2,782	+0.322%	264
43	C & F Mortgage Corporation	Strong	Acceptable	Strong	Strong	Strong	$3,805	+0.225%	166
44	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,946	+0.342%	156
45	HOMESPIRE MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Strong	$2,546	+0.383%	118
46	Armed Forces Bank, National Association	Strong	Sound	Sound	Sound	Strong	$543	-0.110%	76
47	EMM LOANS LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,646	-0.194%	62
48	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Sound	$3,996	+0.609%	57
49	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$3,542	+0.170%	55
50	Plains Commerce Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,708	+0.160%	54

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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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