Mortgage lenders in Virginia Beach city
11,925 mortgages were made in Virginia Beach city, Virginia, in 2025, by 443 lenders. The median rate their borrowers got was 6.625% on a median loan of $275,000. Of 15,458 decisions, 2,901 were denials — 18.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Navy Federal Credit Union | 1,186 | 8.000% | $105,000 | 29.3% |
| Rocket Mortgage, LLC | 753 | 6.750% | $235,000 | 14.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 748 | 6.124% | $355,000 | 9.2% |
| Mortgage Research Center, LLC | 447 | 6.250% | $375,000 | 19.8% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 436 | 6.500% | $335,000 | 2.4% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 387 | 6.500% | $355,000 | 1.8% |
| Towne Bank | 352 | 7.250% | $265,000 | 10.2% |
| SOUTHERN TRUST MORTGAGE, LLC | 328 | 6.500% | $345,000 | 4.9% |
| LANGLEY Federal Credit Union | 328 | 6.990% | $85,000 | 19.6% |
| FREEDOM MORTGAGE CORPORATION | 327 | 6.250% | $365,000 | 8.4% |
| MOVEMENT MORTGAGE, LLC | 291 | 6.624% | $315,000 | 5.3% |
| PENNYMAC LOAN SERVICES, LLC | 279 | 6.490% | $275,000 | 14.0% |
| NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION | 257 | 7.500% | $125,000 | 8.2% |
| CHARTWAY FEDERAL CREDIT UNION | 250 | 2.990% | $85,000 | 26.6% |
| Truist Bank | 216 | 6.613% | $125,000 | 42.1% |
| NEWREZ LLC | 202 | 6.438% | $325,000 | 27.2% |
| Bank of America, National Association | 184 | 6.240% | $160,000 | 41.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 183 | 6.490% | $345,000 | 3.1% |
| Advance Financial Group, LLC | 148 | 6.625% | $375,000 | 1.3% |
| TIDEWATER MORTGAGE SERVICES, INC. | 140 | 6.625% | $345,000 | 5.4% |
| Towne Mortgage, LLC | 135 | 6.625% | $365,000 | 0.7% |
| Atlantic Coast Mortgage, LLC | 132 | 6.490% | $355,000 | 2.1% |
| Loandepot.Com, LLC | 127 | 7.688% | $155,000 | 21.8% |
| ABNB Federal Credit Union | 123 | 6.740% | $75,000 | 39.7% |
| CMG MORTGAGE, INC. | 109 | 6.000% | $395,000 | 4.1% |
| Dollar Bank, Federal Savings Bank | 100 | 6.840% | $135,000 | 36.1% |
| NATIONSTAR MORTGAGE LLC | 97 | 7.490% | $165,000 | 10.3% |
| Presidential Bank, FSB | 97 | 6.750% | $345,000 | 4.8% |
| Kiavi Funding, Inc. | 86 | 10.490% | $255,000 | 5.3% |
| FIGURE LENDING LLC | 82 | 9.550% | $55,000 | 14.4% |
| Broker Solutions, Inc. | 79 | 6.750% | $325,000 | 18.0% |
| CAPITAL CENTER, L.L.C. | 76 | 6.313% | $345,000 | 12.6% |
| SPRING EQ, LLC | 72 | 9.575% | $85,000 | 53.7% |
| Prosperity Home Mortgage, LLC | 70 | 6.375% | $305,000 | 7.8% |
| Wells Fargo Bank, National Association | 69 | 6.500% | $255,000 | 23.3% |
| CALCON MUTUAL MORTGAGE LLC | 67 | 6.500% | $415,000 | 6.9% |
| C & F Mortgage Corporation | 67 | 6.500% | $345,000 | 2.9% |
| PNC Bank, National Association | 66 | 7.700% | $105,000 | 36.6% |
| Atlantic Union Bank | 66 | 7.500% | $245,000 | 25.8% |
| Southern Bank and Trust Company | 65 | 7.250% | $255,000 | 27.4% |
| JPMorgan Chase Bank, National Association | 63 | 6.500% | $345,000 | 7.4% |
| DRAGAS MORTGAGE COMPANY | 63 | 6.250% | $315,000 | 4.6% |
| Archer Mortgage, LLC | 61 | 6.500% | $355,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 59 | 6.500% | $345,000 | 3.2% |
| FIRST COMMUNITY MORTGAGE, INC. | 55 | 6.500% | $305,000 | 8.8% |
| EMM LOANS LLC | 52 | 6.250% | $365,000 | 1.8% |
| Coastal Community Bank | 48 | 8.990% | $55,000 | 4.6% |
| AmeriSave Mortgage Corporation | 47 | 8.375% | $85,000 | 70.4% |
| Fulton Bank, National Association | 47 | 6.490% | $475,000 | 20.3% |
| GUILD MORTGAGE COMPANY | 47 | 6.250% | $385,000 | 0.0% |
| BEACH MUNICIPAL FEDERAL CREDIT UNION | 46 | 7.000% | $55,000 | 4.2% |
| UNION HOME MORTGAGE CORP. | 45 | 6.125% | $405,000 | 6.3% |
| Alcova Mortgage LLC | 45 | 6.625% | $335,000 | 2.0% |
| Tidewater Home Funding, LLC | 45 | 6.500% | $285,000 | 2.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 44 | 6.188% | $400,000 | 13.0% |
| T2 FINANCIAL LLC | 42 | 6.500% | $320,000 | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 41 | 10.345% | $135,000 | 10.4% |
| Fairway Independent Mortgage Corporation | 40 | 6.438% | $315,000 | 11.1% |
| GUARANTEED RATE, INC. | 39 | 6.250% | $355,000 | 13.3% |
| LoanUnited.com, LLC | 39 | 6.125% | $375,000 | 9.3% |
| PLANET HOME LENDING, LLC | 37 | 5.990% | $315,000 | 7.3% |
| THE LOAN STORE, INC. | 36 | 7.250% | $200,000 | 4.4% |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | 35 | 6.490% | $125,000 | 32.1% |
| The Federal Savings Bank | 34 | 6.625% | $375,000 | 14.6% |
| PENTAGON FEDERAL CREDIT UNION | 33 | 7.375% | $175,000 | 30.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 32 | 8.020% | $125,000 | 10.8% |
| LAKEVIEW LOAN SERVICING, LLC | 31 | 6.500% | $255,000 | 60.9% |
| NEW DAY FINANCIAL, LLC | 30 | 7.058% | $300,000 | 52.2% |
| GoodLeap, LLC | 30 | 5.933% | $175,000 | 26.9% |
| Armed Forces Bank, National Association | 30 | 6.250% | $355,000 | 6.3% |
| U.S. Bank National Association | 29 | 7.050% | $205,000 | 46.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 29 | 7.250% | $305,000 | 5.9% |
| TOWER Federal Credit Union | 27 | 7.000% | $185,000 | 12.9% |
| CARRINGTON MORTGAGE SERVICES, LLC | 26 | 6.125% | $235,000 | 52.2% |
| KIND LENDING, LLC | 26 | 6.375% | $325,000 | 27.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 24 | 5.500% | $380,000 | 22.2% |
| BETTER MORTGAGE CORPORATION | 24 | 8.250% | $160,000 | 36.6% |
| AMWEST FUNDING CORP. | 24 | 6.750% | $245,000 | 4.0% |
| QUORUM FEDERAL CREDIT UNION | 23 | 9.375% | $75,000 | 24.2% |
| USAA Federal Savings Bank | 22 | 6.375% | $405,000 | 42.1% |
| Citizens Bank, National Association | 22 | 7.900% | $235,000 | 39.5% |
| Third Federal Savings and Loan Association of Cleveland | 22 | 6.990% | $155,000 | 33.3% |
| Equity Prime Mortgage LLC | 21 | 6.625% | $325,000 | 31.3% |
| LOWER, LLC | 21 | 6.500% | $355,000 | 19.2% |
| Paramount Residential Mortgage Group, Inc. | 20 | 6.250% | $485,000 | 0.0% |
| First Heritage Mortgage, LLC | 20 | 6.500% | $310,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 17 | 6.490% | $405,000 | 5.6% |
| NBKC BANK | 17 | 5.990% | $375,000 | 5.6% |
| Sierra Pacific Mortgage Company, Inc. | 17 | 6.625% | $325,000 | 15.0% |
| NEW WAVE LENDING GROUP INC | 16 | 7.063% | $225,000 | 0.0% |
| PHH Mortgage Corporation | 15 | 6.490% | $245,000 | 10.5% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 15 | 6.495% | $435,000 | 5.9% |
| AMERIHOME MORTGAGE COMPANY, LLC | 14 | 6.250% | $310,000 | 6.7% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 14 | 7.124% | $370,000 | 31.8% |
| Virginia Credit Union, Inc. | 14 | 6.333% | $240,000 | 26.3% |
| OCMBC, INC. | 14 | 7.125% | $305,000 | 11.8% |
| Ameris Bank | 14 | 5.995% | $430,000 | 12.5% |
| Plains Commerce Bank | 13 | 6.625% | $305,000 | 12.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 13 | 6.375% | $355,000 | 18.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 13 | 6.490% | $315,000 | 0.0% |
| Valon Mortgage, Inc. | 12 | 8.925% | $70,000 | 33.3% |
| Barrington Bank & Trust Company, National Association | 12 | 6.813% | $400,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 12 | 6.375% | $345,000 | 0.0% |
| Manufacturers and Traders Trust Company | 11 | 5.990% | $105,000 | 53.8% |
| ZILLOW HOME LOANS, LLC | 11 | 6.125% | $295,000 | 8.3% |
| NFM, INC. | 11 | 6.250% | $295,000 | 8.3% |
| The Old Point National Bank of Phoebus | 11 | Not published | $175,000 | 0.0% |
| Discover Bank | 10 | 9.490% | $85,000 | 81.1% |
| Magnolia Bank, Incorporated | 10 | 6.058% | $475,000 | 28.6% |
| PLAZA HOME MORTGAGE, INC. | 10 | 6.625% | $330,000 | 33.3% |
| CHURCHILL MORTGAGE CORPORATION | 10 | 6.438% | $255,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 10 | 6.175% | $515,000 | 0.0% |
| CLEARPATH LENDING | 9 | Under 10 loans | Under 10 loans | 30.8% |
| HOMEXPRESS MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 40.0% |
| DEEPHAVEN MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Commerce Home Mortgage, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Hometown Equity Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| FlexPoint, Inc. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Click n' Close, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Primis Mortgage Company | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 8 | Under 10 loans | Under 10 loans | 27.3% |
| United Nations Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 11.1% |
| FINANCE OF AMERICA REVERSE LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| NATIONS DIRECT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 7 | Under 10 loans | Under 10 loans | 46.2% |
| CHAMPIONS FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 36.4% |
| ALLIANT CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 30.0% |
| First National Bank of Pennsylvania | 7 | Under 10 loans | Under 10 loans | 22.2% |
| STATE EMPLOYEES' | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NVR Mortgage Finance, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 6 | Under 10 loans | Under 10 loans | 84.2% |
| MILEND, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Bethpage Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 45.5% |
| Filo Mortgage, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| First Horizon Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ROYAL UNITED MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ServisFirst Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 70.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 25.0% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| INTELLILOAN, INC. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| INTERCOASTAL MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Genesis Capital, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Loan Simple, Inc. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Citizens and Farmers Bank | 4 | Under 10 loans | Under 10 loans | 50.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Strong Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 16.7% |
| GoPrime Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BOND STREET MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Liberty | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AFFINITY | 3 | Under 10 loans | Under 10 loans | 20.0% |
| JUSTICE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American Security Mortgage Corp. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AAFMAA Mortgage Services LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| IVY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Easy Street Capital, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Blue Ridge Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 243 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in Virginia Beach city
64 FDIC-insured branches from 17 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Truist Bank | 10 | $1.2 billion |
| Dollar Bank, Federal Savings Bank | 9 | $269.4 million |
| Wells Fargo Bank, National Association | 8 | $1.7 billion |
| TowneBank | 6 | $2.9 billion |
| Bank of America, National Association | 6 | $1.3 billion |
| PNC Bank, National Association | 4 | $516.9 million |
| Atlantic Union Bank | 4 | $474.1 million |
| Southern Bank and Trust Company | 3 | $297.9 million |
| Fulton Bank, National Association | 3 | $209.7 million |
| JPMorgan Chase Bank, National Association | 3 | $46.4 million |
| Woodforest National Bank | 2 | $5.4 million |
| First Carolina Bank | 1 | $193.8 million |
| ServisFirst Bank | 1 | $86.9 million |
| Integrity Bank for Business | 1 | $70.6 million |
| Blue Ridge Bank, National Association | 1 | $49.0 million |
| SouthState Bank, National Association | 1 | $18.2 million |
| AMG National Trust Bank | 1 | $0 |
Closed since the 2025 survey
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- The Old Point National Bank of Phoebus, 1613 Laskin Rd, Virginia Beach
- The Old Point National Bank of Phoebus, 351 Independence Blvd, Virginia Beach
Get told when this changes
When the next year’s lending figures are out for Virginia Beach city, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.