The Lenders Community Survey gathers homeowners feedback and 56 lenders recommendations for Virginia home refinance shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: April 2, 2025
<< Human Powered Recommendations >>
Virginia’s Top Lenders for Home Refinance Loans
Virginia Beach, Chesapeake, Norfolk, Richmond, Newport News, Alexandria, Hampton, Roanoke, Online lenders.
Recommendations are gathered from 962 members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance 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 refinance?
- – 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 – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Virginia Beach area are Navy Federal Credit Union, TowneBank, and Atlantic Union Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Navy Federal Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 92% |
| TowneBank | Community Bank | 4.0 | 4.5 | 4.5 | 89% |
| Atlantic Union Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Chartway Federal Credit Union | Credit Union | 3.5 | 4.0 | 4.5 | 83% |
| BayPort Credit Union | Credit Union | 3.5 | 3.5 | 4.0 | 80% |
| PNC Bank | Bank | 3.0 | 3.5 | 3.5 | 75% |
| Wells Fargo | Bank | 3.0 | 3.0 | 3.0 | 70% |
Chesapeake – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Chesapeake’s area are Navy Federal Credit Union, Virginia Credit Union (VACU), and Langley Federal Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Navy Federal Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 92% |
| Virginia Credit Union (VACU) | Credit Union | 4.0 | 4.5 | 4.5 | 88% |
| Langley Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 85% |
| TowneBank | Community Bank | 3.5 | 4.0 | 4.0 | 82% |
| Atlantic Union Bank | Bank | 3.5 | 3.5 | 3.5 | 78% |
| Flagstar Bank | Bank | 3.0 | 3.5 | 3.5 | 75% |
| BayPort Credit Union | Credit Union | 3.0 | 3.0 | 3.5 | 72% |
Norfolk – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Norfolk’s area are Navy Federal Credit Union, TowneBank and Atlantic Union Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Navy Federal Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 92% |
| TowneBank | Community Bank | 4.0 | 4.5 | 4.5 | 89% |
| Atlantic Union Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Langley Federal Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 82% |
| Capital Bank | Bank | 3.5 | 3.5 | 3.5 | 78% |
| CBM Mortgage (Supreme Lending) | Bank | 3.0 | 3.5 | 3.5 | 75% |
| BayPort Credit Union | Credit Union | 3.0 | 3.0 | 3.5 | 72% |
Richmond – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Richmond’s area are CapCenter Mortgage, Dominion Capital Mortgage Inc. and Virginia Credit Union (VACU).
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| CapCenter Mortgage | Bank | 4.5 | 4.5 | 4.5 | 91% |
| Dominion Capital Mortgage Inc. | Bank | 4.0 | 4.5 | 4.0 | 88% |
| Virginia Credit Union (VACU) | Credit Union | 4.0 | 4.0 | 4.5 | 86% |
| TowneBank | Community Bank | 3.5 | 4.0 | 4.0 | 83% |
| Atlantic Union Bank | Bank | 3.5 | 3.5 | 3.5 | 80% |
| First Heritage Mortgage | Bank | 3.0 | 3.5 | 3.5 | 77% |
| Call Federal Credit Union | Credit Union | 3.0 | 3.0 | 3.5 | 73% |
Newport News – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Newport News’s area are Southern Trust Mortgage, The Federal Savings Bank and Langley Federal Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Southern Trust Mortgage | Community Bank | 4.5 | 4.5 | 5.0 | 92% |
| The Federal Savings Bank | Bank | 4.0 | 4.5 | 4.5 | 89% |
| Langley Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 86% |
| TowneBank | Community Bank | 3.5 | 4.0 | 4.0 | 83% |
| Atlantic Union Bank | Bank | 3.5 | 3.5 | 3.5 | 80% |
| BayPort Credit Union | Credit Union | 3.0 | 3.5 | 3.5 | 77% |
| Call Federal Credit Union | Credit Union | 3.0 | 3.0 | 3.5 | 73% |
Alexandria – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Alexandria’s area are Navy Federal Credit Union, Atlantic Union Bank and Burke & Herbert Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Navy Federal Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 92% |
| Atlantic Union Bank | Bank | 4.0 | 4.5 | 4.0 | 88% |
| Burke & Herbert Bank | Community Bank | 4.0 | 4.0 | 4.5 | 86% |
| John Marshall Bank | Community Bank | 3.5 | 4.0 | 4.0 | 83% |
| Virginia Credit Union (VACU) | Credit Union | 3.5 | 3.5 | 4.0 | 80% |
| Bank of Clarke County | Community Bank | 3.0 | 3.5 | 3.5 | 77% |
| Call Federal Credit Union | Credit Union | 3.0 | 3.0 | 3.5 | 73% |
Hampton – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Hampton’s area are Navy Federal Credit Union, TowneBank and Atlantic Union Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Navy Federal Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 92% |
| TowneBank | Community Bank | 4.0 | 4.5 | 4.5 | 89% |
| Atlantic Union Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Langley Federal Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 83% |
| BayPort Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 80% |
| Wells Fargo | Bank | 3.0 | 3.5 | 3.5 | 77% |
| Call Federal Credit Union | Credit Union | 3.0 | 3.0 | 3.5 | 73% |
Roanoke – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Roanoke’s area are Prosperity Home Mortgage LLC, Member One Federal Credit Union and First Citizens Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Prosperity Home Mortgage | Bank | 4.5 | 4.5 | 4.5 | 91% |
| Member One Federal Credit Union | Credit Union | 4.0 | 4.5 | 4.0 | 88% |
| First Citizens Bank | Bank | 4.0 | 4.0 | 4.5 | 86% |
| Atlantic Bay Mortgage Group | Bank | 3.5 | 4.0 | 4.0 | 83% |
| Freedom First Federal Credit Union | Credit Union | 3.5 | 3.5 | 4.0 | 80% |
| ALCOVA Mortgage | Bank | 3.0 | 3.5 | 3.5 | 77% |
| First Reliance Bank | Community Bank | 3.0 | 3.0 | 3.5 | 73% |
Online Lenders – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended online refinance lenders in the State of Virginia are Rocket Mortgage, PennyMac, and NBKC Bank.
| Lenders | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support and Guidance | Recommend (%) |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $50K – $3M | 5.75% – 7.99% | 10-30 years, fixed/ARM | 5 | 4 | 5 | 92% |
| SoFi | $100K – $5M | 5.99% – 8.25% | 10-30 years, fixed/ARM | 4 | 4 | 4 | 88% |
| LoanDepot | $50K – $3M | 5.85% – 7.75% | 15-30 years, fixed/ARM | 4 | 4 | 4 | 87% |
| Guaranteed Rate | $100K – $2.5M | 5.65% – 7.50% | 10-30 years, fixed/ARM | 4 | 5 | 4 | 89% |
| Better Mortgage | $100K – $2M | 5.95% – 7.45% | 15-30 years, fixed | 5 | 4 | 3 | 85% |
| PennyMac | $50K – $3M | 5.50% – 7.25% | 15-30 years, fixed/ARM | 4 | 5 | 4 | 90% |
| Freedom Mortgage | $50K – $1.5M | 5.99% – 8.15% | 15-30 years, fixed/ARM | 3 | 4 | 3 | 82% |
| New American Funding | $100K – $2M | 5.75% – 7.85% | 15-30 years, fixed/ARM | 4 | 4 | 4 | 86% |
| NBKC Bank | $50K – $1.5M | 5.45% – 7.10% | 15-30 years, fixed/ARM | 4 | 5 | 4 | 89% |
| Chase Bank | $100K – $3M | 5.80% – 7.95% | 15-30 years, fixed/ARM | 3 | 4 | 4 | 84% |
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