9 Best Virginia Mortgage Lenders of 2021
Looking for a mortgage lender in Virginia? We've researched the state's top lenders, selecting the best in five different categories.
Some or all of the mortgage lenders featured on our site are advertising partners of NerdWallet, but this does not influence our evaluations, lender star ratings or the order in which lenders are listed on the page. Our opinions are our own. Here is a list of our partners.
Buying a home in Virginia, or refinancing your current mortgage, means shopping for the best mortgage lender you can find. And that can depend on your situation. Some lenders cater to first-time home buyers; others are focused on helping borrowers with bad credit.
NerdWallet has considered leading lenders in Virginia and sorted some of the best we've found according to individual loan needs.
Buying a home in Virginia, or refinancing your current mortgage, means shopping for the best mortgage lender you can find. And that can depend on your situation. Some lenders cater to first-time home buyers; others are focused on helping borrowers with bad credit.
NerdWallet has considered leading lenders in Virginia and sorted some of the best we've found according to individual loan needs.
Best Virginia Mortgage Lenders
Lender | NerdWallet rating | Min. credit score | National / regional | Learn more |
---|---|---|---|---|
![]() Bank of America: NMLS#399802 | Best for refinancing | 620 | National | Read review |
![]() BB&T (Truist): NMLS#399803 | Best for face-to-face service | 620 | Regional | Read review |
![]() Carrington: NMLS#2600 | Best for lower credit | 620 | National | Read review |
![]() Guaranteed Rate: NMLS#2611 Learn more at Guaranteed Rate | Best for online lenders | 620 | National | Learn more at Guaranteed Rate |
![]() loanDepot: NMLS#174457 | Best for refinancing | 620 | National | Read review |
![]() Navy Federal: NMLS#399807 | Best for face-to-face service + face-to-face service | N/A | National | Read review |
![]() New American Funding: NMLS#6606 Learn more at New American Funding | Best for lower credit | 620 | National | Learn more at New American Funding |
![]() Rocket Mortgage, LLC: NMLS#3030 Learn more at Rocket Mortgage, LLC | Best for online lenders | 620 | National | Learn more at Rocket Mortgage, LLC |
![]() SunTrust (Truist): NMLS#2915 | Best for first-time home buyers | 620 | National | Read review |
Bank of America: NMLS#399802

Min. credit score
620National / regional
NationalBB&T (Truist): NMLS#399803

Min. credit score
620Min. down payment
3%Carrington: NMLS#2600

Min. credit score
620Min. down payment
5%
at Guaranteed Rate
Guaranteed Rate: NMLS#2611

Min. credit score
620Min. down payment
3%at Guaranteed Rate
loanDepot: NMLS#174457

Min. credit score
620National / regional
NationalNavy Federal: NMLS#399807

National / regional
NationalMin. down payment
0%Navy Federal: NMLS#399807

National / regional
NationalMin. down payment
0%
at New American Funding
New American Funding: NMLS#6606

Min. credit score
620Min. down payment
3%at New American Funding

at Rocket Mortgage, LLC
Rocket Mortgage, LLC: NMLS#3030

Min. credit score
620Min. down payment
3%at Rocket Mortgage, LLC
SunTrust (Truist): NMLS#2915

Min. credit score
620Min. down payment
3%Last updated on January 28, 2021
Methodology
To recap our selections...
NerdWallet's Best Virginia Mortgage Lenders of 2021
- Bank of America: Best for refinancing
- BB&T (Truist): Best for face-to-face service
- Carrington: Best for lower credit
- Guaranteed Rate: Best for online lenders
- loanDepot: Best for refinancing
- Navy Federal: Best for face-to-face service + face-to-face service
- New American Funding: Best for lower credit
- Rocket Mortgage, LLC: Best for online lenders
- SunTrust (Truist): Best for first-time home buyers