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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 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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,621 | -0.053% | 5,540 | |
2 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,190 | +0.205% | 1,856 | |
3 | NEWREZ LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,545 | +0.236% | 1,108 | |
4 | Alcova Mortgage LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,085 | +0.485% | 2,183 | |
5 | GUILD MORTGAGE COMPANY LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,885 | +0.333% | 712 | |
6 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,283 | +0.061% | 1,677 | |
7 | C & F Mortgage Corporation | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,278 | +0.331% | 1,122 | |
8 | Virginia Credit Union, Inc. | Exceptional | Strong | — | Strong | Exceptional | $865 | +0.206% | 959 | |
9 | Ameris Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,795 | +0.068% | 756 | |
10 | FIRST COMMUNITY MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,209 | +0.346% | 524 | |
11 | FREEDOM FIRST Federal Credit Union | Exceptional | Strong | — | Strong | Exceptional | $1,652 | +0.204% | 311 | |
12 | First Heritage Mortgage, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,628 | +0.111% | 2,537 | |
13 | United Bank | Strong | Sound | Strong | Strong | Exceptional | $2,070 | +0.054% | 1,181 | |
14 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,672 | +0.218% | 298 | |
15 | Blue Ridge Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,643 | +0.342% | 226 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,512 | -0.105% | 996 | |
17 | Atlantic Union Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,168 | +0.239% | 641 | |
18 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Sound | Strong | $3,194 | +0.274% | 233 | |
19 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,984 | +0.143% | 2,726 | |
20 | Presidential Bank, FSB | Strong | Acceptable | Strong | Strong | Exceptional | $3,289 | +0.340% | 687 | |
21 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,239 | +0.158% | 671 | |
22 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,761 | +0.342% | 667 | |
23 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $2,621 | +0.502% | 355 | |
24 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,457 | +0.328% | 3,596 | |
25 | MOVEMENT MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,905 | +0.226% | 3,473 | |
26 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,695 | +0.375% | 1,740 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,893 | +0.284% | 1,469 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,182 | +0.264% | 1,207 | |
29 | Integrity Home Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,728 | +0.480% | 749 | |
30 | UNION HOME MORTGAGE CORP. | Strong | Mediocre | Exceptional | Strong | Strong | $3,007 | +0.506% | 666 | |
31 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $4,061 | +0.514% | 299 | |
32 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,373 | +0.508% | 242 | |
33 | 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)
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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