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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 VA Mortgage Company Lenders in Virginia Beach
Updated February 5, 2026
Market Overview
50
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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,708 | -0.210% | 1,433 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,717 | -0.074% | 899 | |
3 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,045 | +0.159% | 863 | |
4 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,860 | +0.121% | 319 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,509 | -0.474% | 264 | |
6 | CAPITAL CENTER, L.L.C. | Exceptional | Exceptional | Strong | Sound | Strong | $470 | +0.180% | 154 | |
7 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,398 | +0.398% | 144 | |
8 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,646 | -0.139% | 106 | |
9 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,451 | +0.077% | 234 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,643 | +0.248% | 100 | |
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 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,607 | +0.350% | 1,538 | |
14 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,134 | +0.168% | 493 | |
15 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,362 | +0.187% | 442 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,806 | +0.030% | 250 | |
17 | Tidewater Home Funding, LLC | Strong | Sound | Strong | Strong | Exceptional | $3,341 | +0.061% | 181 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,155 | +0.318% | 148 | |
19 | HOMESPIRE MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | Strong | $2,546 | +0.383% | 118 | |
20 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,545 | +0.539% | 1,835 | |
21 | Advance Financial Group, LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,257 | +0.092% | 442 | |
22 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,261 | +0.398% | 339 | |
23 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,904 | +0.377% | 147 | |
24 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,020 | +0.307% | 132 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,316 | +0.329% | 120 | |
26 | LoanUnited.com, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,454 | -0.305% | 116 | |
27 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,174 | +0.129% | 461 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,878 | +0.365% | 341 | |
29 | Archer Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | Strong | $3,261 | +0.131% | 159 | |
30 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,911 | +0.303% | 126 | |
31 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,661 | +0.654% | 121 | |
32 | DRAGAS MORTGAGE COMPANY | Strong | Acceptable | Strong | Exceptional | Strong | $4,461 | +0.017% | 109 | |
33 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,589 | +0.266% | 106 | |
34 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $4,095 | -0.352% | 88 | |
35 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,818 | +0.457% | 58 | |
36 | SOUTHERN TRUST MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,240 | +0.307% | 974 | |
37 | Towne Mortgage, LLC | Strong | Mediocre | Strong | Exceptional | Exceptional | $4,185 | +0.218% | 333 | |
38 | CALCON MUTUAL MORTGAGE LLC | Strong | Acceptable | Strong | Strong | Strong | $2,974 | +0.180% | 255 | |
39 | MORIA DEVELOPMENT, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,294 | +0.111% | 124 | |
40 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,863 | -0.040% | 89 | |
41 | CITY FIRST MORTGAGE SERVICES, L.L.C. | Strong | Acceptable | Strong | Strong | Strong | $3,950 | +0.547% | 66 | |
42 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,646 | -0.194% | 62 | |
43 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $3,996 | +0.609% | 57 | |
44 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,542 | +0.170% | 55 | |
45 | C & F Mortgage Corporation | Strong | Mediocre | Strong | Exceptional | Strong | $3,805 | +0.225% | 166 | |
46 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,318 | +0.701% | 62 | |
47 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,946 | +0.342% | 156 | |
48 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $6,308 | +1.340% | 80 | |
49 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $2,905 | +0.264% | 72 | |
50 | AMERISAVE MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | Sound | $4,557 | +0.403% | 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 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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