The MFP Home Loan Lenders Community Survey gathers Virginia’s homeowners feedback and lenders recommendations for home loans in the state. Shopping for a home loan can be complicated and we gathered data to help your choice.
Updated: June 9, 2025
<< Human Powered Recommendations >>
Virginia Best Home Loan Lenders
Virginia Beach, Chesapeake, Norfolk, Richmond, Newport News, Alexandria, Hampton, Roanoke, Online lenders.
Virginia Home Loans Lenders Satisfaction
Performance and satisfaction of home purchase loans lenders across Virginia by lenders type.
| Lender Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommendation % |
|---|---|---|---|---|
| Credit Unions | 4.36 | 4.47 | 4.46 | 88% |
| Community Banks | 4.26 | 4.23 | 4.23 | 85% |
| Banks | 4.19 | 4.21 | 4.21 | 85% |
| Online Lenders | 4.23 | 3.97 | 3.97 | 91% |
Recommendations are gathered from 962 members who shopped and requested a home loan mortgage in the past 12 months:
- Loan Application (0 to 5): How easy it is to apply for your home mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Virginia Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Virginia Homeowners.
Virginia Beach Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Virginia Beach’s area are Navy Federal Credit Union, TowneBank and Virginia Credit Union.
Navy Federal Credit Union (95% Recommend)
- Highest in Recommend % (95%) and Support & Guidance (4.8) among top 3
- Rated 4.7 for Loan Terms & Rate Satisfaction, with strong homeowners feedback on personalized service
TowneBank (92% Recommend)
- Top-rated for Easy Application (4.9) and close second in Recommend % (92%)
- 4.6 Loan Terms rating, praised for local community focus and transparency
Virginia Credit Union (90% Recommend)
- Balanced high scores: 4.5 Easy Application, 4.6 Loan Terms, and 4.7 Support & Guidance
- Liked for competitive rates and new homeowners approach in feedback
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Navy Federal Credit Union | Credit Union | 4.5 | 4.7 | 4.8 | 95% |
| TowneBank | Community Bank | 4.9 | 4.6 | 4.5 | 92% |
| Virginia Credit Union | Credit Union | 4.5 | 4.6 | 4.7 | 90% |
| Bank of America | Bank | 4.3 | 4.4 | 4.3 | 88% |
| Citizens and Farmers Bank | Community Bank | 4.4 | 4.3 | 4.4 | 87% |
| Dupont Community Credit Union | Credit Union | 4.2 | 4.5 | 4.3 | 86% |
| First Bank | Community Bank | 4.3 | 4.2 | 4.2 | 85% |
| Beach Municipal Credit Union | Credit Union | 4.1 | 4.4 | 4.2 | 84% |
| Apple Federal Credit Union | Credit Union | 4.0 | 4.3 | 4.1 | 83% |
| Capital One | Bank | 4.2 | 4.1 | 4.0 | 82% |
| Credit Union of Richmond | Credit Union | 4.0 | 4.2 | 4.1 | 81% |
| Dominion Energy Credit Union | Credit Union | 3.9 | 4.1 | 4.0 | 80% |
| Freedom First Credit Union | Credit Union | 3.8 | 4.0 | 3.9 | 78% |
| Member One Credit Union | Credit Union | 3.7 | 3.9 | 3.8 | 77% |
| Virginia National Bank | Community Bank | 3.6 | 3.8 | 3.7 | 76% |
Chesapeake Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Chesapeake’s area are Navy Federal Credit Union, TowneBank and Virginia Credit Union.
Navy Federal Credit Union (96% Recommend)
- Highest in Recommend % (96%) and Support & Guidance (4.9) among top 3
- Rated 4.8 for Loan Terms & Rate Satisfaction, with exceptional homeowners feedback on personalized service
TowneBank (93% Recommend)
- Top-rated for Easy Application (4.9) and close second in Recommend % (93%)
- 4.7 Loan Terms rating, praised for local community focus and transparent processes
Virginia Credit Union (91% Recommend)
- Balanced high scores: 4.6 Easy Application, 4.7 Loan Terms, and 4.8 Support & Guidance
- Liked for competitive rates and member-first approach in users feedback
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Navy Federal Credit Union | Credit Union | 4.6 | 4.8 | 4.9 | 96% |
| TowneBank | Community Bank | 4.9 | 4.7 | 4.6 | 93% |
| Virginia Credit Union | Credit Union | 4.6 | 4.7 | 4.8 | 91% |
| Citizens and Farmers Bank | Community Bank | 4.5 | 4.4 | 4.5 | 89% |
| Bank of America | Bank | 4.3 | 4.3 | 4.2 | 87% |
| First Bank | Community Bank | 4.4 | 4.2 | 4.3 | 86% |
| Dupont Community Credit Union | Credit Union | 4.1 | 4.5 | 4.2 | 85% |
| Capital One | Bank | 4.2 | 4.1 | 4.0 | 83% |
| Beach Municipal Credit Union | Credit Union | 4.0 | 4.3 | 4.1 | 82% |
| Apple Federal Credit Union | Credit Union | 3.9 | 4.2 | 4.0 | 80% |
Norfolk Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Norfolk’s area are Navy Federal Credit Union, Virginia Credit Union and TowneBank.
Navy Federal Credit Union (97% Recommend)
- Highest in Recommend % (97%) and Support & Guidance (4.9) among top 3 lenders
- Rated 4.8 for Loan Terms & Rate Satisfaction, with exceptional feedback on military-friendly service
Virginia Credit Union (94% Recommend)
- Top-rated for Easy Application (4.8) and close second in Recommend % (94%)
- 4.7 Loan Terms rating, praised for competitive rates and first-time homebuyer programs
TowneBank (92% Recommend)
- Strong balanced scores: 4.7 Easy Application, 4.6 Loan Terms, and 4.7 Support & Guidance
- Liked for local community focus and transparent loan processes in users feedback
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Navy Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.9 | 97% |
| Virginia Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| TowneBank | Community Bank | 4.7 | 4.6 | 4.7 | 92% |
| Bank of America | Bank | 4.3 | 4.4 | 4.3 | 89% |
| Citizens and Farmers Bank | Community Bank | 4.4 | 4.3 | 4.4 | 88% |
| First Bank | Community Bank | 4.3 | 4.2 | 4.2 | 86% |
| Beach Municipal Credit Union | Credit Union | 4.1 | 4.3 | 4.2 | 85% |
| Capital One | Bank | 4.2 | 4.1 | 4.0 | 83% |
| Apple Federal Credit Union | Credit Union | 4.0 | 4.2 | 4.1 | 82% |
| Dominion Energy Credit Union | Credit Union | 3.9 | 4.1 | 4.0 | 80% |
Richmond Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Richmond’s area are Virginia Credit Union, Navy Federal Credit Union and Atlantic Union Bank.
Virginia Credit Union (95% Recommend)
- Highest in Recommend % (95%) and Support & Guidance (4.8) among top 3 lenders
- Rated 4.7 for Loan Terms & Rate Satisfaction, with exceptional feedback on member service
Navy Federal Credit Union (93% Recommend)
- Top-rated for Easy Application (4.8) and close second in Recommend % (93%)
- 4.7 Loan Terms rating, praised for military-friendly service and competitive rates
Atlantic Union Bank (91% Recommend)
- Strong balanced scores: 4.6 Easy Application, 4.6 Loan Terms, and 4.7 Support & Guidance
- Liked for local community focus and transparent loan processes in users feedback
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Virginia Credit Union | Credit Union | 4.6 | 4.7 | 4.8 | 95% |
| Navy Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 93% |
| Atlantic Union Bank | Bank | 4.6 | 4.6 | 4.7 | 91% |
| Bank of America | Bank | 4.3 | 4.4 | 4.3 | 88% |
| Call Federal Credit Union | Credit Union | 4.4 | 4.3 | 4.4 | 87% |
| Virginia Commonwealth Bank | Community Bank | 4.3 | 4.2 | 4.2 | 86% |
| Union Bank & Trust | Bank | 4.1 | 4.3 | 4.2 | 85% |
| Capital One | Bank | 4.2 | 4.1 | 4.0 | 83% |
| Henrico Federal Credit Union | Credit Union | 4.0 | 4.2 | 4.1 | 82% |
| Dominion Credit Union | Credit Union | 3.9 | 4.1 | 4.0 | 80% |
Alexandria Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Alexandria’s area are Navy Federal Credit Union, Andrews Federal Credit Union and John Marshall Bank.
- Highest in Recommend % (95%) and Support & Guidance (4.8) among top 3 lenders.
- Users feedback highlight consistently smooth application processes and responsive loan officers.
- Scores 4.7 in both Loan Terms & Rate Satisfaction and Support & Guidance with 92% Recommend rate.
- Homeowners praise the clarity of rate explanations and personalized attention throughout the loan process.
- Leads in Easy Application (4.9) among top 3 with strong 90% Recommend rate.
- Surveys frequently mention efficient document handling and local decision-making advantages.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Navy Federal Credit Union | Credit Union | 4.7 | 4.6 | 4.8 | 95% |
| Andrews Federal Credit Union | Credit Union | 4.5 | 4.7 | 4.7 | 92% |
| John Marshall Bank | Community Bank | 4.9 | 4.5 | 4.6 | 90% |
| PenFed Credit Union | Credit Union | 4.4 | 4.6 | 4.5 | 89% |
| Alliant Credit Union | Credit Union | 4.3 | 4.4 | 4.5 | 88% |
| Chase | Bank | 4.2 | 4.3 | 4.4 | 87% |
| Bank of America | Bank | 4.1 | 4.2 | 4.3 | 85 |
| Wells Fargo | Bank | 4.0 | 4.1 | 4.2 | 84% |
| TD Bank | Bank | 3.9 | 4.0 | 4.1 | 83% |
| SunTrust (Truist) | Bank | 3.8 | 3.9 | 4.0 | 82% |
Newport News Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Newport News’s area are Navy Federal Credit Union, Virginia Credit Union and Atlantic Union Bank.
Navy Federal Credit Union (96% Recommend)
- Highest in Recommend % (96%) and Support & Guidance (4.9) among top 3 lenders
- Rated 4.8 for Loan Terms & Rate Satisfaction, with exceptional feedback on military-friendly service
Virginia Credit Union (94% Recommend)
- Top-rated for Easy Application (4.8) and close second in Recommend % (94%)
- 4.7 Loan Terms rating, praised for competitive rates and first-time homebuyer support
Atlantic Union Bank (91% Recommend)
- Strong balanced scores: 4.6 Easy Application, 4.6 Loan Terms, and 4.7 Support & Guidance
- Liked for local community focus and transparent loan processes in users feedback
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Navy Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.9 | 96% |
| Virginia Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| Atlantic Union Bank | Bank | 4.6 | 4.6 | 4.7 | 91% |
| Langley Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 89% |
| 1st Advantage Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 88% |
| Chartway Credit Union | Credit Union | 4.3 | 4.3 | 4.4 | 86% |
| Old Point National Bank | Community Bank | 4.2 | 4.2 | 4.3 | 85% |
| Bank of America | Bank | 4.1 | 4.1 | 4.2 | 83% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.1 | 82% |
| Citizens and Farmers Bank | Community Bank | 3.9 | 4.0 | 4.0 | 80% |
Hampton Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Hampton’s area are Navy Federal Credit Union, 1st Advantage Federal Credit Union and Virginia Credit Union.
Navy Federal Credit Union (97% Recommend)
- Highest in Recommend % (97%) and Support & Guidance (4.9) among top 3 lenders
- Rated 4.8 for Loan Terms & Rate Satisfaction, with exceptional feedback on military-friendly service
1st Advantage Federal Credit Union (94% Recommend)
- Top-rated for Easy Application (4.8) and close second in Recommend % (94%)
- 4.7 Loan Terms rating, praised for competitive rates and first-time homebuyer support
Virginia Credit Union (91% Recommend)
- Strong balanced scores: 4.6 Easy Application, 4.7 Loan Terms, and 4.8 Support & Guidance
- Homeowners feedback highlight personalized service and straightforward loan processes
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Navy Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.9 | 97% |
| 1st Advantage Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| Virginia Credit Union | Credit Union | 4.6 | 4.7 | 4.8 | 91% |
| BayPort Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 89% |
| Chartway Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 87% |
| Bank of America | Bank | 4.3 | 4.3 | 4.2 | 85% |
| Langley Federal Credit Union | Credit Union | 4.2 | 4.3 | 4.3 | 84% |
| Old Point National Bank | Community Bank | 4.1 | 4.2 | 4.2 | 83% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.1 | 82% |
| Citizens and Farmers Bank | Community Bank | 3.9 | 4.0 | 4.0 | 80% |
Roanoke Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Roanoke’s area are Freedom First Credit Union, SalemVA Credit Union and InFirst Federal Credit Union.
Freedom First Credit Union (95% Recommend)
- Highest in Recommend % (95%) and Support & Guidance (4.8) among top 3 lenders
- Rated 4.7 for Loan Terms & Rate Satisfaction, with exceptional feedback on digital application experience
SalemVA Credit Union (93% Recommend)
- Top-rated for Easy Application (4.8) and close second in Recommend % (93%)
- 4.7 Loan Terms rating, praised for published APR rates and straightforward loan options
InFirst Federal Credit Union (90% Recommend)
- Strong balanced scores: 4.6 Easy Application, 4.6 Loan Terms, and 4.7 Support & Guidance
- Homeowners feedback highlights convenient online application and responsive loan officers
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Freedom First Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 95% |
| SalemVA Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 93% |
| InFirst Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 90% |
| Bank of America | Bank | 4.3 | 4.3 | 4.2 | 87% |
| Wells Fargo | Bank | 4.2 | 4.2 | 4.1 | 86% |
| BB&T | Bank | 4.1 | 4.1 | 4.2 | 85% |
| First National Bank | Community Bank | 4.0 | 4.2 | 4.1 | 84% |
| American National Bank | Community Bank | 3.9 | 4.1 | 4.0 | 82% |
| Bank of Botetourt | Community Bank | 3.8 | 4.0 | 3.9 | 81% |
| StellarOne Bank | Community Bank | 3.7 | 3.9 | 3.8 | 80% |
Virginia Best Online Home Loans Lenders
MFP’s Digital Lenders Survey: Top online home purchase lenders for Virginia residents are Rocket Mortgage, NFM Lending, and Direct Mortgage Loans.
| Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $50K – $6M | 6.50% – 8.25% | 8/15/20/30 | 5.0 | 4.5 | 4.5 | 98% |
| NFM Lending | $50K – $3M | 6.25% – 7.85% | 10/15/20/30 | 5.0 | 4.5 | 4.5 | 97% |
| Direct Mortgage Loans | $50K – $4M | 6.75% – 8.25% | 10/15/20/30 | 4.5 | 4.5 | 4.5 | 96% |
| Flagstar Bank | $75K – $3M | 6.25% – 7.75% | 5/10/15/20/30 | 4.5 | 4.0 | 4.0 | 95% |
| Guild Mortgage | $50K – $3M | 6.75% – 8.50% | 10/15/20/30 | 4.5 | 4.0 | 4.0 | 94% |
| PNC Bank | $50K – $5M | 6.75% – 8.25% | 10/15/20/25/30 | 4.0 | 4.0 | 3.5 | 93% |
| CrossCountry Mortgage | $50K – $3M | 6.50% – 8.00% | 10/15/20/30 | 4.0 | 4.0 | 4.0 | 92% |
| First Federal Bank | $50K – $2M | 6.25% – 7.75% | 15/20/30 | 4.0 | 4.0 | 4.0 | 91% |
| Northpointe Bank | $50K – $2,5M | 6.50% – 8.00% | 10/15/20/30 | 4.0 | 3.5 | 4.0 | 90% |
| Truist | $50K – $5M | 6.75% – 8.25% | 10/15/20/30 | 4.0 | 3.5 | 3.5 | 89% |
| Wells Fargo | $50K – $5M | 6.50% – 8.00% | 8/10/15/20/30 | 4.0 | 3.5 | 3.5 | 88% |
| U.S. Bank | $50K – $4M | 6.50% – 8.00% | 10/15/20/30 | 4.0 | 3.5 | 3.5 | 87% |
| Virginia Credit Union | $50K – $1,5M | 6.10% – 6.90% | 15/20/30 | 4.0 | 4.5 | 4.5 | 86% |
| Republic Bank | $50K – $2M | 6.25% – 7.75% | 10/15/20/30 | 4.0 | 4.0 | 4.0 | 85% |
| PrimeLending | $50K – $3M | 6.50% – 8.00% | 10/15/20/30 | 4.0 | 3.5 | 3.5 | 84% |
