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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 FHA 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	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,717	-0.074%	899
2	LANGLEY Federal Credit Union	Exceptional	Exceptional	—	Strong	Exceptional	$1,235	-0.405%	168
3	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,708	-0.210%	1,433
4	Towne Bank	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,810	+0.203%	450
5	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$1,860	+0.121%	319
6	Tidewater Home Funding, LLC	Exceptional	Strong	Strong	Strong	Exceptional	$3,341	+0.061%	181
7	CAPITAL CENTER, L.L.C.	Exceptional	Exceptional	Strong	Sound	Strong	$470	+0.180%	154
8	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$2,509	-0.474%	264
9	GoodLeap, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$4,095	-0.352%	88
10	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,805	+0.289%	1,813
11	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,466	+0.265%	1,581
12	Atlantic Coast Mortgage, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,134	+0.168%	493
13	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,806	+0.030%	250
14	Truist Bank	Strong	Strong	Strong	Sound	Strong	$1,502	+0.047%	192
15	Ameris Bank	Strong	Sound	Exceptional	Strong	Strong	$3,295	+0.006%	140
16	Fulton Bank, National Association	Strong	Strong	Strong	Sound	Strong	$2,562	+0.306%	89
17	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,045	+0.159%	863
18	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$2,362	+0.187%	442
19	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,261	+0.398%	339
20	Alcova Mortgage LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,904	+0.377%	147
21	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,020	+0.307%	132
22	MORIA DEVELOPMENT, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,294	+0.111%	124
23	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,316	+0.329%	120
24	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,643	+0.248%	100
25	EMM LOANS LLC	Strong	Sound	Exceptional	Strong	Sound	$2,646	-0.194%	62
26	Plains Commerce Bank	Strong	Sound	Exceptional	Strong	Sound	$2,708	+0.160%	54
27	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Sound	Exceptional	$2,545	+0.539%	1,835
28	TIDEWATER MORTGAGE SERVICES, INC.	Strong	Acceptable	Strong	Strong	Exceptional	$3,174	+0.129%	461
29	Advance Financial Group, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$4,257	+0.092%	442
30	Towne Mortgage, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$4,185	+0.218%	333
31	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,451	+0.077%	234
32	Wells Fargo Bank, National Association	Strong	Sound	Strong	Sound	Strong	$1,999	+0.073%	211
33	C & F Mortgage Corporation	Strong	Acceptable	Strong	Exceptional	Strong	$3,805	+0.225%	166
34	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,398	+0.398%	144
35	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$3,661	+0.654%	121
36	HOMESPIRE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,546	+0.383%	118
37	LoanUnited.com, LLC	Strong	Sound	Strong	Sound	Strong	$2,454	-0.305%	116
38	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,589	+0.266%	106
39	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,646	-0.139%	106
40	NFM, INC.	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,818	+0.457%	58
41	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,996	+0.609%	57
42	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,607	+0.350%	1,538
43	Presidential Bank, FSB	Strong	Acceptable	Strong	Strong	Strong	$2,782	+0.322%	264
44	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Strong	$3,155	+0.318%	148
45	The Federal Savings Bank	Strong	Acceptable	Exceptional	Sound	Strong	$3,125	+0.289%	136
46	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,863	-0.040%	89
47	Equity Prime Mortgage LLC	Strong	Acceptable	Exceptional	Strong	Sound	$4,318	+0.701%	62
48	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$3,542	+0.170%	55
49	Archer Mortgage, LLC	Strong	Acceptable	Sound	Strong	Strong	$3,261	+0.131%	159
50	DRAGAS MORTGAGE COMPANY	Strong	Acceptable	Sound	Strong	Strong	$4,461	+0.017%	109

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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