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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 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,708 | -0.210% | 1,433 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $769 | -0.468% | 1,147 | |
3 | Armed Forces Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $543 | -0.110% | 76 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,717 | -0.074% | 899 | |
5 | LANGLEY Federal Credit Union | Exceptional | Exceptional | — | Strong | Exceptional | $1,235 | -0.405% | 168 | |
6 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,295 | +0.006% | 140 | |
7 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Sound | $941 | -0.411% | 67 | |
8 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,045 | +0.159% | 863 | |
9 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,810 | +0.203% | 450 | |
10 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,860 | +0.121% | 319 | |
11 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,509 | -0.474% | 264 | |
12 | CAPITAL CENTER, L.L.C. | Exceptional | Exceptional | Strong | Sound | Strong | $470 | +0.180% | 154 | |
13 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,398 | +0.398% | 144 | |
14 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,646 | -0.139% | 106 | |
15 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,451 | +0.077% | 234 | |
16 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,500 | +0.064% | 232 | |
17 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $2,165 | -0.251% | 138 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,643 | +0.248% | 100 | |
19 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $858 | -0.026% | 72 | |
20 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,805 | +0.289% | 1,813 | |
21 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,466 | +0.265% | 1,581 | |
22 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,607 | +0.350% | 1,538 | |
23 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,134 | +0.168% | 493 | |
24 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,362 | +0.187% | 442 | |
25 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,806 | +0.030% | 250 | |
26 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $1,502 | +0.047% | 192 | |
27 | Tidewater Home Funding, LLC | Strong | Sound | Strong | Strong | Exceptional | $3,341 | +0.061% | 181 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,155 | +0.318% | 148 | |
29 | HOMESPIRE MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | Strong | $2,546 | +0.383% | 118 | |
30 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,545 | +0.539% | 1,835 | |
31 | Advance Financial Group, LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,257 | +0.092% | 442 | |
32 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,261 | +0.398% | 339 | |
33 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $1,999 | +0.073% | 211 | |
34 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,904 | +0.377% | 147 | |
35 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,020 | +0.307% | 132 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,316 | +0.329% | 120 | |
37 | LoanUnited.com, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,454 | -0.305% | 116 | |
38 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $2,708 | +0.160% | 54 | |
39 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,174 | +0.129% | 461 | |
40 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,878 | +0.365% | 341 | |
41 | Presidential Bank, FSB | Strong | Acceptable | Strong | Exceptional | Strong | $2,782 | +0.322% | 264 | |
42 | Archer Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | Strong | $3,261 | +0.131% | 159 | |
43 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,911 | +0.303% | 126 | |
44 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,661 | +0.654% | 121 | |
45 | DRAGAS MORTGAGE COMPANY | Strong | Acceptable | Strong | Exceptional | Strong | $4,461 | +0.017% | 109 | |
46 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,589 | +0.266% | 106 | |
47 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $4,095 | -0.352% | 88 | |
48 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,818 | +0.457% | 58 | |
49 | CALCON MUTUAL MORTGAGE LLC | Strong | Acceptable | Strong | Strong | Strong | $2,974 | +0.180% | 255 | |
50 | MORIA DEVELOPMENT, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,294 | +0.111% | 124 |
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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