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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 FHA Mortgage Company Lenders in Virginia Beach
Updated February 5, 2026
Market Overview
49
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 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,717 | -0.074% | 899 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,708 | -0.210% | 1,433 | |
3 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,860 | +0.121% | 319 | |
4 | Tidewater Home Funding, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $3,341 | +0.061% | 181 | |
5 | CAPITAL CENTER, L.L.C. | Exceptional | Exceptional | Strong | Sound | Strong | $470 | +0.180% | 154 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,509 | -0.474% | 264 | |
7 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $4,095 | -0.352% | 88 | |
8 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,805 | +0.289% | 1,813 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,466 | +0.265% | 1,581 | |
10 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,134 | +0.168% | 493 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,806 | +0.030% | 250 | |
12 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,045 | +0.159% | 863 | |
13 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,362 | +0.187% | 442 | |
14 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,261 | +0.398% | 339 | |
15 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,904 | +0.377% | 147 | |
16 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,020 | +0.307% | 132 | |
17 | MORIA DEVELOPMENT, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,294 | +0.111% | 124 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,316 | +0.329% | 120 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,643 | +0.248% | 100 | |
20 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Sound | $2,646 | -0.194% | 62 | |
21 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,545 | +0.539% | 1,835 | |
22 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,174 | +0.129% | 461 | |
23 | Advance Financial Group, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,257 | +0.092% | 442 | |
24 | Towne Mortgage, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,185 | +0.218% | 333 | |
25 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,451 | +0.077% | 234 | |
26 | C & F Mortgage Corporation | Strong | Acceptable | Strong | Exceptional | Strong | $3,805 | +0.225% | 166 | |
27 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,398 | +0.398% | 144 | |
28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,661 | +0.654% | 121 | |
29 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,546 | +0.383% | 118 | |
30 | LoanUnited.com, LLC | Strong | Sound | Strong | Sound | Strong | $2,454 | -0.305% | 116 | |
31 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,589 | +0.266% | 106 | |
32 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,646 | -0.139% | 106 | |
33 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,818 | +0.457% | 58 | |
34 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,996 | +0.609% | 57 | |
35 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,607 | +0.350% | 1,538 | |
36 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $3,155 | +0.318% | 148 | |
37 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,863 | -0.040% | 89 | |
38 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,318 | +0.701% | 62 | |
39 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,542 | +0.170% | 55 | |
40 | SOUTHERN TRUST MORTGAGE, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $4,240 | +0.307% | 974 | |
41 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,878 | +0.365% | 341 | |
42 | CALCON MUTUAL MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,974 | +0.180% | 255 | |
43 | Archer Mortgage, LLC | Strong | Acceptable | Sound | Strong | Strong | $3,261 | +0.131% | 159 | |
44 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,911 | +0.303% | 126 | |
45 | DRAGAS MORTGAGE COMPANY | Strong | Acceptable | Sound | Strong | Strong | $4,461 | +0.017% | 109 | |
46 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Sound | $2,905 | +0.264% | 72 | |
47 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $4,557 | +0.403% | 52 | |
48 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,946 | +0.342% | 156 | |
49 | CITY FIRST MORTGAGE SERVICES, L.L.C. | Sound | Mediocre | Strong | Strong | Strong | $3,950 | +0.547% | 66 |
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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