Safe Rate Rankings

Best Mortgage Company 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 Lenders50

Total Loans20,456

Median Rate Spread0.22%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	CAPITAL CENTER, L.L.C.Independent Mortgage Company	Exceptional	Exceptional	Strong	Strong	$470Fees	0.180%Above	154
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,708Fees	0.210%Below	1,433
3	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,717Fees	0.074%Below	899
4	Tidewater Home Funding, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$3,341Fees	0.061%Above	181
5	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,805Fees	0.289%Above	1,813
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,466Fees	0.265%Above	1,581
7	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,045Fees	0.159%Above	863
8	Atlantic Coast Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,134Fees	0.168%Above	493
9	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,509Fees	0.474%Below	264
10	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,806Fees	0.030%Above	250
11	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$1,646Fees	0.139%Below	106
12	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,545Fees	0.539%Above	1,835
13	TIDEWATER MORTGAGE SERVICES, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,174Fees	0.129%Above	461
14	Advance Financial Group, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$4,257Fees	0.092%Above	442
15	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,261Fees	0.398%Above	339
16	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,451Fees	0.077%Above	234
17	C & F Mortgage CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,805Fees	0.225%Above	166
18	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Strong	$3,155Fees	0.318%Above	148
19	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,904Fees	0.377%Above	147
20	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,020Fees	0.307%Above	132
21	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,661Fees	0.654%Above	121
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,316Fees	0.329%Above	120
23	HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,546Fees	0.383%Above	118
24	LoanUnited.com, LLCIndependent Mortgage Company	Strong	Sound	Sound	Strong	$2,454Fees	0.305%Below	116
25	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,589Fees	0.266%Above	106
26	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,643Fees	0.248%Above	100
27	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Sound	Strong	$4,095Fees	0.352%Below	88
28	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,878Fees	0.365%Above	341
29	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,860Fees	0.121%Above	319
30	Archer Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,261Fees	0.131%Above	159
31	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,398Fees	0.398%Above	144
32	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,911Fees	0.303%Above	126
33	DRAGAS MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,461Fees	0.017%Above	109
34	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,818Fees	0.457%Above	58
35	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,996Fees	0.609%Above	57
36	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Exceptional	$3,607Fees	0.350%Above	1,538
37	SOUTHERN TRUST MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Exceptional	$4,240Fees	0.307%Above	974
38	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,362Fees	0.187%Above	442
39	Towne Mortgage, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Exceptional	$4,185Fees	0.218%Above	333
40	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,946Fees	0.342%Above	156
41	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$4,863Fees	0.040%Below	89
42	EMM LOANS LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,646Fees	0.194%Below	62
43	Equity Prime Mortgage LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,318Fees	0.701%Above	62
44	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,542Fees	0.170%Above	55
45	MORIA DEVELOPMENT, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$2,294Fees	0.111%Above	124
46	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$2,905Fees	0.264%Above	72
47	CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Strong	$2,974Fees	0.180%Above	255
48	CITY FIRST MORTGAGE SERVICES, L.L.C.Independent Mortgage Company	Sound	Mediocre	Sound	Strong	$3,950Fees	0.547%Above	66
49	NEW DAY FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Acceptable	Strong	$6,308Fees	1.340%Above	80
50	AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Acceptable	Sound	$4,557Fees	0.403%Above	52

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.