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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 Conventional Mortgage Lenders in Virginia
Updated February 6, 2026
Market Overview
363
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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $676 | -0.500% | 2,985 | |
2 | NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,000 | -0.911% | 330 | |
3 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $600 | +0.033% | 1,973 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $878 | -0.147% | 320 | |
5 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | $876 | -0.331% | 219 | |
6 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,628 | +0.111% | 2,537 | |
7 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,868 | -0.007% | 1,109 | |
8 | CAPITAL CENTER, L.L.C. | Exceptional | Strong | Strong | Strong | Exceptional | $679 | +0.109% | 987 | |
9 | Virginia Credit Union, Inc. | Exceptional | Strong | Strong | Strong | Exceptional | $865 | +0.206% | 959 | |
10 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,615 | -0.158% | 635 | |
11 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$175 | -0.005% | 546 | |
12 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $1,253 | +0.016% | 486 | |
13 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $338 | -0.284% | 247 | |
14 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $567 | +0.032% | 227 | |
15 | Atlantic Coast Mortgage, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,984 | +0.143% | 2,726 | |
16 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,615 | +0.067% | 1,197 | |
17 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,242 | +0.051% | 1,157 | |
18 | Ameris Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,795 | +0.068% | 756 | |
19 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,175 | -0.074% | 248 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,013 | +0.255% | 8,280 | |
21 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,621 | -0.053% | 5,540 | |
22 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,457 | +0.328% | 3,596 | |
23 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,085 | +0.485% | 2,183 | |
24 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Strong | Exceptional | $3,021 | +0.033% | 1,467 | |
25 | United Bank | Strong | Sound | Strong | Strong | Exceptional | $2,070 | +0.054% | 1,181 | |
26 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,989 | -0.271% | 1,090 | |
27 | Atlantic Union Bank | Strong | Sound | Strong | Strong | Exceptional | $2,168 | +0.239% | 641 | |
28 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $573 | -0.090% | 460 | |
29 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,038 | +0.165% | 445 | |
30 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $2,267 | +0.030% | 374 | |
31 | FREEDOM FIRST Federal Credit Union | Strong | Sound | Strong | Strong | Exceptional | $1,652 | +0.204% | 311 | |
32 | EASTMAN CREDIT UNION | Strong | Sound | Exceptional | Strong | Strong | $1,356 | +0.702% | 299 | |
33 | F & M BANK CORP. | Strong | Sound | Strong | Strong | Exceptional | $2,114 | +0.284% | 295 | |
34 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,905 | +0.226% | 3,473 | |
35 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $1,846 | -0.016% | 2,170 | |
36 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,190 | +0.205% | 1,856 | |
37 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,283 | +0.061% | 1,677 | |
38 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,893 | +0.284% | 1,469 | |
39 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,182 | +0.264% | 1,207 | |
40 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,512 | -0.105% | 996 | |
41 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,780 | +0.302% | 509 | |
42 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Strong | Strong | $3,123 | +0.258% | 333 | |
43 | SOUTHERN TRUST MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,161 | +0.355% | 1,292 | |
44 | C & F Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $3,278 | +0.331% | 1,122 | |
45 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $3,083 | +0.200% | 885 | |
46 | Towne Bank | Strong | Acceptable | Strong | Strong | Exceptional | $2,887 | +0.177% | 872 | |
47 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $3,728 | +0.480% | 749 | |
48 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,885 | +0.333% | 712 | |
49 | Presidential Bank, FSB | Strong | Acceptable | Strong | Strong | Exceptional | $3,289 | +0.340% | 687 | |
50 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,761 | +0.342% | 667 |
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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