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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 VA 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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,621 | -0.053% | 5,540 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,846 | -0.016% | 2,170 | |
3 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,190 | +0.205% | 1,856 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,989 | -0.271% | 1,090 | |
5 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,512 | -0.105% | 996 | |
6 | CAPITAL CENTER, L.L.C. | Exceptional | Exceptional | Strong | Sound | Exceptional | $679 | +0.109% | 987 | |
7 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,905 | +0.226% | 3,473 | |
8 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,628 | +0.111% | 2,537 | |
9 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,283 | +0.061% | 1,677 | |
10 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,499 | +0.369% | 579 | |
11 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,672 | +0.218% | 298 | |
12 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,436 | +0.028% | 293 | |
13 | INTERCOASTAL MORTGAGE, LLC | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,021 | +0.033% | 1,467 | |
14 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,615 | +0.067% | 1,197 | |
15 | NEWREZ LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,545 | +0.236% | 1,108 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,376 | +0.295% | 288 | |
17 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,741 | +0.405% | 288 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,013 | +0.255% | 8,280 | |
19 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,457 | +0.328% | 3,596 | |
20 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,984 | +0.143% | 2,726 | |
21 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,085 | +0.485% | 2,183 | |
22 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,695 | +0.375% | 1,740 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,893 | +0.284% | 1,469 | |
24 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,691 | +0.437% | 1,384 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,038 | +0.165% | 445 | |
26 | HOMESPIRE MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | Strong | $3,924 | +0.473% | 350 | |
27 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,153 | +0.561% | 3,201 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,182 | +0.264% | 1,207 | |
29 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,083 | +0.200% | 885 | |
30 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,728 | +0.480% | 749 | |
31 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,209 | +0.346% | 524 | |
32 | FIRST HOME MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,370 | +0.338% | 458 | |
33 | Advance Financial Group, LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,350 | +0.082% | 432 | |
34 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Strong | Strong | $3,123 | +0.258% | 333 | |
35 | F & M BANK CORP. | Strong | Sound | — | Strong | Exceptional | $2,114 | +0.284% | 295 | |
36 | Tidewater Home Funding, LLC | Strong | Sound | Strong | Strong | Strong | $3,265 | +0.040% | 258 | |
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 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,761 | +0.342% | 667 | |
40 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,007 | +0.506% | 666 | |
41 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,515 | +0.347% | 643 | |
42 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,351 | +0.175% | 584 | |
43 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,267 | +0.030% | 374 | |
44 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $2,621 | +0.502% | 355 | |
45 | Towne First Mortgage, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,349 | +0.348% | 341 | |
46 | JAMS-01, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $3,456 | +0.030% | 278 | |
47 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $3,947 | -0.390% | 252 | |
48 | CALCON MUTUAL MORTGAGE LLC | Strong | Acceptable | Strong | Strong | Strong | $3,148 | +0.178% | 390 | |
49 | MORIA DEVELOPMENT, INC. | Strong | Acceptable | Strong | Strong | Strong | $1,892 | +0.229% | 355 | |
50 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,863 | +0.146% | 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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