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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 Bank Mortgage Lenders in Virginia
Updated February 6, 2026
Market Overview
22
Total Lenders
17,808
Total Loans
0.14%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Truist Bank | Exceptional | Strong | Strong | Exceptional | $600 | +0.033% | 1,973 | |
2 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $338 | -0.284% | 247 | |
3 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | $876 | -0.331% | 219 | |
4 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $1,868 | -0.007% | 1,109 | |
5 | Ameris Bank | Strong | Sound | Exceptional | Exceptional | $3,795 | +0.068% | 756 | |
6 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,615 | -0.158% | 635 | |
7 | U.S. Bank National Association | Strong | Strong | Strong | Strong | -$175 | -0.005% | 546 | |
8 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $573 | -0.090% | 460 | |
9 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $1,175 | -0.074% | 248 | |
10 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $567 | +0.032% | 227 | |
11 | United Bank | Strong | Sound | Strong | Exceptional | $2,070 | +0.054% | 1,181 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,242 | +0.051% | 1,157 | |
13 | Atlantic Union Bank | Strong | Sound | Strong | Exceptional | $2,168 | +0.239% | 641 | |
14 | Fulton Bank, National Association | Strong | Sound | Strong | Exceptional | $1,780 | +0.302% | 509 | |
15 | Towne Bank | Strong | Acceptable | Exceptional | Exceptional | $2,887 | +0.177% | 872 | |
16 | First National Bank of Pennsylvania | Strong | Sound | Strong | Strong | $1,253 | +0.016% | 486 | |
17 | Presidential Bank, FSB | Strong | Acceptable | Strong | Exceptional | $3,289 | +0.340% | 687 | |
18 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,920 | -0.158% | 483 | |
19 | Blue Ridge Bank, National Association | Strong | Sound | Sound | Strong | $2,643 | +0.342% | 226 | |
20 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $3,047 | +0.228% | 255 | |
21 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $3,194 | +0.274% | 233 | |
22 | The Federal Savings Bank | Sound | Mediocre | Sound | Strong | $3,445 | +0.347% | 395 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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