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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 Company Lenders in Virginia
Updated February 6, 2026
Market Overview
50
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 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $878 | -0.147% | 320 | |
2 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,628 | +0.111% | 2,537 | |
3 | CAPITAL CENTER, L.L.C. | Exceptional | Strong | Strong | Strong | Exceptional | $679 | +0.109% | 987 | |
4 | Atlantic Coast Mortgage, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,984 | +0.143% | 2,726 | |
5 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,615 | +0.067% | 1,197 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,013 | +0.255% | 8,280 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,621 | -0.053% | 5,540 | |
8 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,457 | +0.328% | 3,596 | |
9 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,085 | +0.485% | 2,183 | |
10 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Strong | Exceptional | $3,021 | +0.033% | 1,467 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,989 | -0.271% | 1,090 | |
12 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,038 | +0.165% | 445 | |
13 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $2,267 | +0.030% | 374 | |
14 | F & M BANK CORP. | Strong | Sound | Strong | Strong | Exceptional | $2,114 | +0.284% | 295 | |
15 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,905 | +0.226% | 3,473 | |
16 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $1,846 | -0.016% | 2,170 | |
17 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,190 | +0.205% | 1,856 | |
18 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,283 | +0.061% | 1,677 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,893 | +0.284% | 1,469 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,182 | +0.264% | 1,207 | |
21 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,512 | -0.105% | 996 | |
22 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Strong | Strong | $3,123 | +0.258% | 333 | |
23 | SOUTHERN TRUST MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,161 | +0.355% | 1,292 | |
24 | C & F Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $3,278 | +0.331% | 1,122 | |
25 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,545 | +0.236% | 1,108 | |
26 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $3,083 | +0.200% | 885 | |
27 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $3,728 | +0.480% | 749 | |
28 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,885 | +0.333% | 712 | |
29 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,761 | +0.342% | 667 | |
30 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,007 | +0.506% | 666 | |
31 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,515 | +0.347% | 643 | |
32 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,351 | +0.175% | 584 | |
33 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,499 | +0.369% | 579 | |
34 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,209 | +0.346% | 524 | |
35 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $2,621 | +0.502% | 355 | |
36 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,672 | +0.218% | 298 | |
37 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,376 | +0.295% | 288 | |
38 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,741 | +0.405% | 288 | |
39 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $3,947 | -0.390% | 252 | |
40 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,153 | +0.561% | 3,201 | |
41 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,695 | +0.375% | 1,740 | |
42 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,691 | +0.437% | 1,384 | |
43 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $3,239 | +0.158% | 671 | |
44 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,962 | +0.421% | 567 | |
45 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,370 | +0.338% | 458 | |
46 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,924 | +0.473% | 350 | |
47 | Towne First Mortgage, LLC | Strong | Acceptable | Sound | Strong | Exceptional | $2,349 | +0.348% | 341 | |
48 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,436 | +0.028% | 293 | |
49 | Advance Financial Group, LLC | Strong | Acceptable | Sound | Sound | Exceptional | $4,350 | +0.082% | 432 | |
50 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $4,061 | +0.514% | 299 |
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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