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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 Bank Lenders in Virginia
Updated February 6, 2026
Market Overview
20
Total Lenders
107,069
Total Loans
0.23%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | First National Bank of Pennsylvania | Exceptional | Exceptional | Strong | Strong | Strong | $1,253 | +0.016% | 486 | |
2 | United Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,070 | +0.054% | 1,181 | |
3 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,887 | +0.177% | 872 | |
4 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $573 | -0.090% | 460 | |
5 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $338 | -0.284% | 247 | |
6 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | $600 | +0.033% | 1,973 | |
7 | Ameris Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,795 | +0.068% | 756 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | -$175 | -0.005% | 546 | |
9 | Fulton Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $1,780 | +0.302% | 509 | |
10 | Atlantic Union Bank | Strong | Sound | Strong | Strong | Exceptional | $2,168 | +0.239% | 641 | |
11 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,047 | +0.228% | 255 | |
12 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | $1,175 | -0.074% | 248 | |
13 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,194 | +0.274% | 233 | |
14 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | $567 | +0.032% | 227 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,242 | +0.051% | 1,157 | |
16 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,868 | -0.007% | 1,109 | |
17 | Blue Ridge Bank, National Association | Strong | Sound | Strong | Strong | Strong | $2,643 | +0.342% | 226 | |
18 | Presidential Bank, FSB | Strong | Acceptable | Strong | Strong | Exceptional | $3,289 | +0.340% | 687 | |
19 | The Federal Savings Bank | Strong | Acceptable | Exceptional | Sound | Strong | $3,445 | +0.347% | 395 | |
20 | Bank of America, National Association | Strong | Acceptable | Strong | Sound | Strong | $1,615 | -0.158% | 635 |
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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