Safe Rate Rankings

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