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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 Jumbo 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 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,868 | -0.007% | 1,109 | |
2 | NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,000 | -0.911% | 330 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $676 | -0.500% | 2,985 | |
4 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,615 | -0.158% | 635 | |
5 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | -$175 | -0.005% | 546 | |
6 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $876 | -0.331% | 219 | |
7 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $600 | +0.033% | 1,973 | |
8 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,512 | -0.105% | 996 | |
9 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $573 | -0.090% | 460 | |
10 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,175 | -0.074% | 248 | |
11 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,013 | +0.255% | 8,280 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,621 | -0.053% | 5,540 | |
13 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,905 | +0.226% | 3,473 | |
14 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,283 | +0.061% | 1,677 | |
15 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,242 | +0.051% | 1,157 | |
16 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,989 | -0.271% | 1,090 | |
17 | Virginia Credit Union, Inc. | Exceptional | Strong | — | Strong | Exceptional | $865 | +0.206% | 959 | |
18 | Fulton Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,780 | +0.302% | 509 | |
19 | FREEDOM FIRST Federal Credit Union | Exceptional | Strong | Sound | Strong | Exceptional | $1,652 | +0.204% | 311 | |
20 | Atlantic Coast Mortgage, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,984 | +0.143% | 2,726 | |
21 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,615 | +0.067% | 1,197 | |
22 | Atlantic Union Bank | Strong | Sound | Strong | Strong | Exceptional | $2,168 | +0.239% | 641 | |
23 | First National Bank of Pennsylvania | Strong | Sound | Exceptional | Strong | Strong | $1,253 | +0.016% | 486 | |
24 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $567 | +0.032% | 227 | |
25 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,457 | +0.328% | 3,596 | |
26 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,190 | +0.205% | 1,856 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,893 | +0.284% | 1,469 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,182 | +0.264% | 1,207 | |
29 | Towne Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,887 | +0.177% | 872 | |
30 | Ameris Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,795 | +0.068% | 756 | |
31 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Sound | Strong | $2,499 | +0.369% | 579 | |
32 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,436 | +0.028% | 293 | |
33 | First Heritage Mortgage, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,628 | +0.111% | 2,537 | |
34 | United Bank | Strong | Acceptable | Strong | Strong | Exceptional | $2,070 | +0.054% | 1,181 | |
35 | C & F Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $3,278 | +0.331% | 1,122 | |
36 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,545 | +0.236% | 1,108 | |
37 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,885 | +0.333% | 712 | |
38 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,239 | +0.158% | 671 | |
39 | Advance Financial Group, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,350 | +0.082% | 432 | |
40 | INTERCOASTAL MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $3,021 | +0.033% | 1,467 | |
41 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,691 | +0.437% | 1,384 | |
42 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,083 | +0.200% | 885 | |
43 | LOWER, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,761 | +0.342% | 667 | |
44 | Vellum Mortgage, Inc. | Strong | Sound | Sound | Acceptable | Strong | $3,123 | +0.258% | 333 | |
45 | SOUTHERN TRUST MORTGAGE, LLC | Sound | Mediocre | Strong | Sound | Exceptional | $4,161 | +0.355% | 1,292 | |
46 | Presidential Bank, FSB | Sound | Acceptable | Sound | Acceptable | Exceptional | $3,289 | +0.340% | 687 | |
47 | FIRST COMMUNITY MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | Strong | $2,209 | +0.346% | 524 | |
48 | Towne Mortgage, LLC | Sound | Mediocre | — | Strong | Exceptional | $4,268 | +0.207% | 363 | |
49 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $3,194 | +0.274% | 233 |
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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