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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 Lenders in Washington DC
Updated February 6, 2026
Market Overview
77
Total Lenders
5,203
Total Loans
0.07%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,927 | +0.152% | 211 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,391 | +0.085% | 134 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $784 | -0.467% | 113 | |
4 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,584 | -0.019% | 144 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,681 | +0.007% | 51 | |
6 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,369 | +0.054% | 115 | |
7 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,956 | +0.034% | 58 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $1,424 | +0.321% | 28 | |
9 | FIRST HOME MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,059 | +0.268% | 322 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,920 | +0.172% | 288 | |
11 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,277 | +0.378% | 113 | |
12 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $1,710 | -0.086% | 12 | |
13 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,339 | +0.242% | 424 | |
14 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,186 | +0.124% | 121 | |
15 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Strong | Strong | $2,536 | +0.102% | 103 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,199 | +0.185% | 82 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,810 | -0.098% | 44 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,356 | +0.276% | 122 | |
19 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,563 | +0.187% | 25 | |
20 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,262 | +0.135% | 35 |
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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