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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 USDA Mortgage Bank Lenders in Virginia

Updated February 6, 2026

Market Overview

Total Lenders

107,069

Total Loans

0.23%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	Ameris Bank	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,795	+0.068%	756
2	United Bank	Strong	Sound	Strong	Strong	Exceptional	$2,070	+0.054%	1,181
3	Blue Ridge Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,643	+0.342%	226
4	Atlantic Union Bank	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,168	+0.239%	641
5	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Sound	Strong	$3,194	+0.274%	233
6	Presidential Bank, FSB	Strong	Acceptable	Strong	Strong	Exceptional	$3,289	+0.340%	687
7	The Federal Savings Bank	Sound	Mediocre	Strong	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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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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