Home purchase lenders in Virginia Beach city
5,713 home purchase mortgages were made in Virginia Beach city, Virginia, in 2025, by 345 lenders. The median rate their borrowers got was 6.500% on a median loan of $345,000. Of 6,247 decisions, 424 were denials — 6.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 405 | 6.500% | $335,000 | 2.6% |
| Mortgage Research Center, LLC | 360 | 6.250% | $375,000 | 5.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 342 | 6.500% | $355,000 | 1.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 327 | 6.499% | $355,000 | 5.7% |
| SOUTHERN TRUST MORTGAGE, LLC | 300 | 6.563% | $345,000 | 5.1% |
| Navy Federal Credit Union | 253 | 6.125% | $355,000 | 13.2% |
| MOVEMENT MORTGAGE, LLC | 247 | 6.562% | $315,000 | 3.9% |
| Towne Bank | 186 | 6.750% | $325,000 | 3.5% |
| Rocket Mortgage, LLC | 166 | 6.625% | $325,000 | 12.9% |
| Advance Financial Group, LLC | 134 | 6.625% | $375,000 | 1.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 134 | 6.538% | $375,000 | 1.5% |
| FREEDOM MORTGAGE CORPORATION | 129 | 6.250% | $365,000 | 5.8% |
| Towne Mortgage, LLC | 129 | 6.625% | $355,000 | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 126 | 6.625% | $365,000 | 5.3% |
| Atlantic Coast Mortgage, LLC | 112 | 6.490% | $360,000 | 2.5% |
| Presidential Bank, FSB | 89 | 6.750% | $335,000 | 5.2% |
| CMG MORTGAGE, INC. | 88 | 6.000% | $410,000 | 4.0% |
| Kiavi Funding, Inc. | 75 | 10.490% | $275,000 | 3.7% |
| NEWREZ LLC | 71 | 6.500% | $385,000 | 5.2% |
| PENNYMAC LOAN SERVICES, LLC | 68 | 6.188% | $355,000 | 10.5% |
| Prosperity Home Mortgage, LLC | 63 | 6.375% | $305,000 | 1.6% |
| DRAGAS MORTGAGE COMPANY | 63 | 6.250% | $315,000 | 4.6% |
| C & F Mortgage Corporation | 60 | 6.563% | $345,000 | 1.6% |
| CALCON MUTUAL MORTGAGE LLC | 57 | 6.500% | $405,000 | 5.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 55 | 6.500% | $305,000 | 8.8% |
| Archer Mortgage, LLC | 55 | 6.500% | $345,000 | 0.0% |
| Bank of America, National Association | 47 | 6.250% | $295,000 | 17.5% |
| Broker Solutions, Inc. | 46 | 6.625% | $350,000 | 8.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 46 | 6.500% | $365,000 | 0.0% |
| EMM LOANS LLC | 45 | 6.250% | $385,000 | 2.1% |
| Wells Fargo Bank, National Association | 43 | 6.375% | $275,000 | 15.7% |
| GUILD MORTGAGE COMPANY | 42 | 6.250% | $380,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 41 | 6.500% | $475,000 | 4.7% |
| Alcova Mortgage LLC | 41 | 6.625% | $335,000 | 2.2% |
| Tidewater Home Funding, LLC | 41 | 6.500% | $285,000 | 2.4% |
| T2 FINANCIAL LLC | 39 | 6.500% | $315,000 | 0.0% |
| NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION | 38 | 5.875% | $350,000 | 2.6% |
| CAPITAL CENTER, L.L.C. | 34 | 6.563% | $360,000 | 0.0% |
| LoanUnited.com, LLC | 29 | 6.250% | $415,000 | 12.1% |
| UNION HOME MORTGAGE CORP. | 29 | 6.375% | $435,000 | 0.0% |
| GUARANTEED RATE, INC. | 28 | 6.250% | $380,000 | 9.7% |
| Fairway Independent Mortgage Corporation | 27 | 6.250% | $365,000 | 12.9% |
| Fulton Bank, National Association | 26 | 6.625% | $600,000 | 10.3% |
| Armed Forces Bank, National Association | 26 | 6.250% | $350,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 23 | 7.250% | $315,000 | 4.2% |
| Truist Bank | 22 | 6.545% | $225,000 | 17.9% |
| Atlantic Union Bank | 21 | 7.250% | $275,000 | 0.0% |
| AMWEST FUNDING CORP. | 18 | 6.750% | $245,000 | 5.3% |
| First Heritage Mortgage, LLC | 18 | 6.500% | $310,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 18 | 6.000% | $455,000 | 0.0% |
| KIND LENDING, LLC | 17 | 6.500% | $315,000 | 30.8% |
| Paramount Residential Mortgage Group, Inc. | 17 | 6.375% | $465,000 | 0.0% |
| LANGLEY Federal Credit Union | 16 | 6.495% | $285,000 | 11.1% |
| USAA Federal Savings Bank | 15 | 6.375% | $425,000 | 37.5% |
| CHARTWAY FEDERAL CREDIT UNION | 15 | 6.624% | $385,000 | 6.3% |
| Dollar Bank, Federal Savings Bank | 14 | 6.313% | $335,000 | 12.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | 13 | 6.375% | $405,000 | 0.0% |
| NEW WAVE LENDING GROUP INC | 13 | 7.000% | $205,000 | 0.0% |
| THE LOAN STORE, INC. | 13 | 6.490% | $245,000 | 0.0% |
| Plains Commerce Bank | 12 | 6.625% | $315,000 | 7.1% |
| Sierra Pacific Mortgage Company, Inc. | 12 | 6.375% | $350,000 | 7.7% |
| PLANET HOME LENDING, LLC | 12 | 6.313% | $300,000 | 7.7% |
| OCMBC, INC. | 12 | 7.062% | $305,000 | 7.1% |
| Loandepot.Com, LLC | 11 | 6.875% | $335,000 | 21.4% |
| ZILLOW HOME LOANS, LLC | 11 | 6.125% | $295,000 | 8.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 11 | 7.249% | $365,000 | 31.3% |
| U.S. Bank National Association | 11 | 6.375% | $465,000 | 15.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 11 | 6.625% | $315,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 10 | 6.500% | $375,000 | 16.7% |
| Ameris Bank | 10 | 6.308% | $470,000 | 9.1% |
| LOWER, LLC | 10 | 6.875% | $380,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 10 | 6.500% | $345,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| NFM, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CHURCHILL MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bank and Trust Company | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Virginia Credit Union, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NVR Mortgage Finance, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 6 | Under 10 loans | Under 10 loans | 84.2% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Click n' Close, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| First Horizon Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NQM FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES' | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Old Point National Bank of Phoebus | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ABNB Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Citizens Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Loan Simple, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DOMINION FINANCIAL SERVICES, 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% |
| BOND STREET MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Genesis Capital, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Primis Mortgage Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American Security Mortgage Corp. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Logan Finance Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AAFMAA Mortgage Services LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| IVY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 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% |
| MORTGAGE ACCESS CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TD Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGEONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JUSTICE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| C&F Select LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bank-Fund Staff Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Clarke | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DuPont Community Federally Insured State-Chartered Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 60.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | 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 145 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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. 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.