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Mortgage Lenders and Brokers in Portsmouth, Virginia

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Portsmouth, Virginia mortgage lenders include TowneBankTowneBank6201 Portsmouth Blvd, Portsmouth, VA 23701A+5.0 ★Texas Ratio: 1.60%, Wells Fargo Bank NAWells Fargo Bank NA900 Frederick Blvd, Portsmouth, VA 23707A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA4824 George Washington Hwy, Portsmouth, VA 23702A+5.0 ★Texas Ratio: 3.68%, Truist BankTruist Bank3301 High St, Portsmouth, VA 23707A+5.0 ★Texas Ratio: 2.87%, Bank of America NABank of America NA4050 Victory Mall Boulevard, Portsmouth, VA 23701A+5.0 ★Texas Ratio: 4.14%, Navy Federal Credit UnionNavy Federal Credit Union5627 West High St, Portsmouth, VA 23703A5.0 ★Texas Ratio: 8.14%, BayPort Credit UnionBayPort Credit Union1241 Frederick Blvd, Portsmouth, VA 23707A+5.0 ★Texas Ratio: 4.37%, Langley Federal Credit UnionLangley Federal Credit Union13478 Carrollton Blvd Ste A, Carrollton, VA 23314A5.0 ★Texas Ratio: 10.20%, Presidential Bank, FSBPresidential Bank, FSB1515 Wilson Blvd, Arlington, VA 22209A-4.9 ★Texas Ratio: 16.48%, and Chartway FCUChartway FCU801 Crawford St, Portsmouth, VA 23704 3822. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Portsmouth, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Portsmouth are listed first, then lenders elsewhere in Virginia, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Portsmouth, Virginia

Market share is the lender's share of all home loans closed in Portsmouth, Virginia. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
TowneBank 6201 Portsmouth Blvd, Portsmouth, VA 23701 A+5.0 ★Texas Ratio: 1.60%	Conventional, FHA, VA, HELOC	29 +23 HELOCs	1.2%	96.7%	$275,000	View
Wells Fargo Bank NA 2 offices in Portsmouth 900 Frederick Blvd, Portsmouth, VA 23707 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA	18	0.7%	78.3%	$207,222	View
JPMorgan Chase Bank, NA 1 office in Portsmouth 4824 George Washington Hwy, Portsmouth, VA 23702 A+5.0 ★Texas Ratio: 3.68%	Conventional	16	0.7%	100%	$243,750	View
Truist Bank ★ 1 stars, 1 review 2 offices in Portsmouth 3301 High St, Portsmouth, VA 23707 A+5.0 ★Texas Ratio: 2.87%	Conventional, FHA, VA, HELOC	10 +26 HELOCs	0.4%	90.9%	$225,000	View
Bank of America NA 1 office in Portsmouth 4050 Victory Mall Boulevard, Portsmouth, VA 23701 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	2 +5 HELOCs	0.1%	100%	$390,000	View
Navy Federal Credit Union 5627 West High St, Portsmouth, VA 23703 A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	129 +37 HELOCs	5.4%	67.2%	$188,875
BayPort Credit Union 1241 Frederick Blvd, Portsmouth, VA 23707 A+5.0 ★Texas Ratio: 4.37%	Conventional, HELOC	14 +39 HELOCs	0.6%	84.2%	$166,428	View
Langley Federal Credit Union 13478 Carrollton Blvd Ste A, Carrollton, VA 23314 A5.0 ★Texas Ratio: 10.20%	Conventional, VA, HELOC	13 +53 HELOCs	0.5%	100%	$272,692	View
Presidential Bank, FSB 1515 Wilson Blvd, Arlington, VA 22209 A-4.9 ★Texas Ratio: 16.48%	Conventional, FHA, VA	12	0.5%	92.3%	$262,500	View
Chartway FCU 801 Crawford St, Portsmouth, VA 23704 3822	Conventional, HELOC	11 +27 HELOCs	0.5%	55%	$81,363
Dollar Bank, FSB 750 Volvo Pkwy, Chesapeake, VA 23320 A+5.0 ★Texas Ratio: 5.29%	Conventional, VA	6	0.2%	50%	$161,666	View
Armed Forces Bank, N.A. 108 Mcnair Rd, Fort Myer, VA 22211 A+5.0 ★Texas Ratio: 4.81%	FHA, VA	6	0.2%	75%	$320,000	View
Fulton Bank, National Association 95 Community St, Charlottesville, VA 22911 A+5.0 ★Texas Ratio: 4.85%	Conventional, FHA, HELOC	3 +1 HELOCs	0.1%	60%	$185,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 3131 Duke St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	2 +9 HELOCs	0.1%	100%	$200,000	View
Atlantic Union Bank 115 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 2.51%	Conventional, HELOC	2 +3 HELOCs	0.1%	100%	$200,000	View
Primis Bank 201 N Washington Hwy, Ashland, VA 23005 A5.0 ★Texas Ratio: 13.21%	Conventional, FHA	2	0.1%	66.7%	$280,000	View
First National Bank of PA 704 King Street, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 1.62%	Conventional	2	0.1%	100%	$175,000	View
Abnb Federal Credit Union 4000 Coast Guard Blvd, Portsmouth, VA 23703 A+5.0 ★Texas Ratio: 5.45%	Conventional, HELOC	1 +21 HELOCs	0%	100%	$205,000	View
M&T Bank 7485 Richmond Highway, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 4.11%	FHA, HELOC	1 +1 HELOCs	0%	100%	$25,000	View
Beach Municipal FCU 4164 Virginia Beach Blvd, Virginia Beach, VA 23452 A+5.0 ★Texas Ratio: 2.63%	Conventional	1	0%	100%	$105,000	View
Citizens and Farmers Bank 2288 Cartersville Rd, Cartersville, VA 23027 A+5.0 ★Texas Ratio: 0.62%	Conventional	1	0%	100%	$45,000	View
TD Bank 6566 Little River Tpke, Alexandria, VA 22312 A+5.0 ★Texas Ratio: 3.71%	Conventional	1	0%	100%	$275,000	View
Southern Bank and Trust Company 1217 Cedar Rd, Chesapeake, VA 23322 A+5.0 ★Texas Ratio: 1.13%	HELOC	0 +3 HELOCs	0%	n/a		View
Virginia Federal Credit Union 120 Seminole Ct, Charlottesville, VA 22901 A5.0 ★Texas Ratio: 6.40%	HELOC	0 +1 HELOCs	0%	n/a		View
Freedom First Federal Credit Union 1204 S Main St, Blacksburg, VA 24060 5546 A+5.0 ★Texas Ratio: 3.69%	HELOC	0 +1 HELOCs	0%	n/a		View
Atlantic Bay Mortgage Group	Conventional, FHA, VA	122	5.1%	96.1%	$213,770
Southern Trust Mortgage, LLC A4.7 ★Texas Ratio: 0.83%	Conventional, FHA, VA	87	3.6%	88.8%	$217,068	View
Atlantic Coast Mortgage, LLC	Conventional, FHA, VA	60	2.5%	97%	$243,833
Tidewater Mortgage Services, Inc	Conventional, FHA, VA	27	1.1%	87.1%	$196,111
Towne Mortgage	Conventional, FHA, VA	22	0.9%	100%	$269,090
Archer Mortgage LLC	Conventional, FHA, VA	20	0.8%	96%	$285,000
RW Towne, LLC	Conventional, FHA, VA	18	0.7%	94.7%	$238,333
Tidewater Home Funding, LLC	Conventional, FHA, VA	14	0.6%	100%	$258,571
Prosperity Home Mortgage, LLC	Conventional, FHA, VA	12	0.5%	92.3%	$219,166
Capital Center LLC	Conventional, FHA, VA	10	0.4%	71.4%	$237,000
C&F Mortgage Corporation A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	7	0.3%	77.8%	$199,285	View
ALCOVA Mortgage, LLC	FHA, VA	4	0.2%	100%	$240,000
1St Advantage Federal Credit U	Conventional, HELOC	3 +5 HELOCs	0.1%	75%	$55,000
First Heritage Mortgage, LLC	Conventional, VA	3	0.1%	60%	$301,666
Garrett Mortgage LLC	VA	2	0.1%	100%	$290,000
City Lending Inc.	Conventional, FHA	2	0.1%	100%	$125,000
The Old Point National Bank of Phoebus	Conventional	2	0.1%	100%	$415,000
Credit Union Mortgage Associat	Conventional	1	0%	100%	$315,000
Strong Home Mortgage, LLC	VA	1	0%	100%	$335,000
Vellum Mortgage, Inc.	FHA	1	0%	100%	$295,000
Integrity Home Mortgage Corporation	VA	1	0%	100%	$245,000
Mortgage Research Center	Conventional, FHA, VA	213	8.9%	79%	$298,943
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	197 +5 HELOCs	8.2%	88.4%	$295,862
American Neighborhood Mortgage Acceptance Company	Conventional, FHA, VA	190	7.9%	95%	$241,052
Rocket Mortgage	Conventional, FHA, VA	165	6.9%	77.4%	$204,757
Freedom Mortgage Corporation	Conventional, FHA, VA	93	3.9%	91.6%	$284,569
Nvr Mortgage Finance, Inc.	Conventional, FHA, VA	86	3.6%	78.2%	$348,023
Movement Mortgage, LLC A+5.0 ★Texas Ratio: 0.40%	Conventional, FHA, VA, HELOC	85 +4 HELOCs	3.5%	91%	$244,764	View
Pennymac Loan Services LLC	Conventional, FHA, VA	66	2.7%	82.4%	$232,727
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	41 +1 HELOCs	1.7%	93.2%	$266,707
Newrez LLC	Conventional, FHA, VA	38	1.6%	72.2%	$238,157
Village Capital & Investment	VA	26	1.1%	77.8%	$322,692
Calcon Mutual Mortgage LLC	Conventional, FHA, VA	24	1%	88.9%	$285,000
loanDepot.com LLC	Conventional, FHA, VA, HELOC	21 +1 HELOCs	0.9%	70.6%	$165,476
New American Funding, LLC.	Conventional, FHA, VA	21	0.9%	75%	$222,142
Nationstar Mortgage	Conventional, FHA, VA	19	0.8%	71.4%	$159,210
Union Home Mortgage Corp.	Conventional, FHA, VA	16	0.7%	90%	$262,500
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 3.36%	Conventional, FHA, VA	15	0.6%	84.2%	$284,333	View
American Financial Network, Inc.	Conventional, FHA, VA	14	0.6%	88.2%	$300,000
Loanunited.Com, LLC	FHA, VA	13	0.5%	92.9%	$295,000
EMM Loans LLC	FHA, VA	12	0.5%	100%	$330,000
Planet Home Lending, LLC	Conventional, FHA, VA	11	0.5%	86.7%	$219,545
Amerisave Mortgage Company	Conventional, FHA, VA	10	0.4%	20.8%	$112,000
Cmg Mortgage Inc	Conventional, FHA, VA, USDA	10	0.4%	91.7%	$265,000
American Financial Resources LLC	Conventional, FHA, VA	9	0.4%	100%	$308,333
T2 Financial LLC	Conventional, FHA, VA	9	0.4%	100%	$272,777
Mutual of Omaha Mortgage	Conventional, FHA, VA	9	0.4%	85.7%	$225,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, FHA, VA	8	0.3%	80%	$186,250	View
AmeriHome Mortgage Company, LLC	FHA, VA	8	0.3%	100%	$306,250
Zillow Home Loans, LLC	Conventional, FHA, VA	8	0.3%	81.8%	$280,000
Guild Mortgage Company	Conventional, FHA, VA	7	0.3%	77.8%	$313,571
First Home Mortgage	Conventional, FHA, VA	7	0.3%	100%	$187,857
City 1st Mortgage Services, LC	Conventional, FHA, VA	7	0.3%	100%	$199,285
Cardinal Financial Company, Li	Conventional, FHA, VA	7	0.3%	53.8%	$230,714
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	7	0.3%	53.8%	$365,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	7	0.3%	70%	$299,285	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA, VA	7	0.3%	87.5%	$152,142	View
Spring Eq, LLC	Conventional, HELOC	6 +2 HELOCs	0.2%	35%	$55,000
Guaranteed Rate, Inc.	FHA, VA, HELOC	6 +1 HELOCs	0.2%	100%	$278,333
Equity Prime Mortgage LLC	FHA, VA	6	0.2%	60%	$281,666
New Day Financial, LLC.	VA	6	0.2%	42.9%	$223,333
Sierra Pacific Mortgage Co. Inc	Conventional, FHA, VA	6	0.2%	85.7%	$260,000
Paramount Residential Mortgage	Conventional, FHA, VA	6	0.2%	100%	$216,666
The Loan Store, Inc	Conventional, VA, HELOC	5 +2 HELOCs	0.2%	83.3%	$169,000
SWBC Mortgage Corporation	Conventional, FHA	5	0.2%	100%	$171,000
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	5	0.2%	33.3%	$183,000
MortgageOne, Inc	FHA, VA	5	0.2%	100%	$285,000
Fidelity Direct Mortgage, LLC	Conventional, FHA	5	0.2%	83.3%	$135,000
ClearPath Lending	VA	5	0.2%	83.3%	$249,000
Towne Mortgage Company	Conventional, FHA, VA	5	0.2%	100%	$259,000
Fairway Independent Mort Corp	Conventional, FHA, VA	5	0.2%	100%	$279,000
Carrington Mortgage Services LLC	FHA, VA	5	0.2%	41.7%	$249,000
Kind Lending, LLC	VA	4	0.2%	80%	$327,500
PHH Mortgage Corporation	Conventional, FHA	4	0.2%	80%	$267,500
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional, FHA	4	0.2%	66.7%	$210,000	View
Discover Bank	Conventional	4	0.2%	40%	$62,500
Click n' Close, Inc.	Conventional, FHA	4	0.2%	100%	$145,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, VA	4	0.2%	100%	$192,500	View
Better Mortgage Corporation	Conventional, FHA, VA	4	0.2%	57.1%	$262,500
Plaza Home Mortgage, Inc	Conventional, FHA, VA	4	0.2%	66.7%	$165,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +2 HELOCs	0.1%	75%	$68,333	View
Goodleap, LLC	Conventional, FHA, VA, HELOC	3 +1 HELOCs	0.1%	57.1%	$208,333
Sun West Mortgage Company, Inc	FHA, VA	3	0.1%	57.1%	$271,666
Mid-Continent Funding, Inc.	VA	3	0.1%	83.3%	$321,666
First Option Mortgage, LLC	Conventional, FHA	3	0.1%	80%	$258,333
Milend, Inc	FHA, VA	3	0.1%	80%	$218,333
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	3	0.1%	75%	$268,333	View
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional, VA	3	0.1%	100%	$435,000	View
HomeBridge Financial Services, Inc	Conventional, VA, HELOC	2 +8 HELOCs	0.1%	25%	$390,000
Everett Financial, Inc.	Conventional, FHA	2	0.1%	100%	$195,000
Allied Mortgage Group, Inc	FHA, VA	2	0.1%	100%	$255,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	FHA, VA	2	0.1%	100%	$260,000	View
Filo Mortgage, LLC	VA	2	0.1%	100%	$295,000
Universal Mortgage & Finance, Inc	Conventional, FHA	2	0.1%	100%	$290,000
My Mortgage, Inc	Conventional, FHA	2	0.1%	100%	$110,000
Nfm, Inc	VA	2	0.1%	100%	$330,000
Intelliloan, Inc.	FHA	2	0.1%	100%	$285,000
American Pacific Mortgage Corporation	FHA, VA	2	0.1%	100%	$305,000
Iserve Residential Lending	FHA	2	0.1%	66.7%	$215,000
V.I.P. Mortgage, Inc.	FHA, VA	2	0.1%	100%	$295,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	2	0.1%	100%	$135,000	View
Lower, LLC	FHA, VA	2	0.1%	50%	$265,000
Loan Simple, Inc.	Conventional, FHA	2	0.1%	66.7%	$175,000
Goprime Mortgage, Inc.	VA	2	0.1%	100%	$250,000
State Employees' Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	100%	$305,000
Valon Mortgage	FHA, HELOC	1 +1 HELOCs	0%	100%	$225,000
Pentagon Federal Credit Union	VA, HELOC	1 +1 HELOCs	0%	25%	$145,000
Alliant Credit Union	Conventional	1	0%	100%	$255,000
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional	1	0%	14.3%	$255,000	View
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0%	100%	$145,000	View
Cornerstone First Mortgage, LLC	VA	1	0%	100%	$225,000
American Mortgage Bank A+5.0 ★Texas Ratio: 4.14%	VA	1	0%	100%	$245,000	View
Pioneer Bank & Trust A+5.0 ★Texas Ratio: 0.74%	VA	1	0%	100%	$425,000	View
Royal United Mortgage LLC	Conventional	1	0%	25%	$115,000
RANLife, Inc.	VA	1	0%	100%	$365,000
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	VA	1	0%	50%	$405,000	View
Sage Home Loans Corporation	Conventional	1	0%	100%	$235,000
Envoy Mortgage, Ltd	VA	1	0%	100%	$285,000
Nbkc Bank	VA	1	0%	100%	$375,000
TruHome Solutions, LLC	FHA	1	0%	100%	$225,000
Dart Bank	Conventional	1	0%	100%	$175,000
Resicentral LLC	Conventional	1	0%	100%	$245,000
Usalliance Federal Credit Union	Conventional	1	0%	100%	$255,000
Deephaven Mortgage LLC	Conventional	1	0%	100%	$85,000
Oaktree Funding Corp	Conventional	1	0%	100%	$255,000
Southern Bancorp Bank A5.0 ★Texas Ratio: 8.01%	Conventional	1	0%	100%	$275,000	View
AmWest Funding Corp	Conventional	1	0%	100%	$225,000
Bell Bank A+5.0 ★Texas Ratio: 3.66%	VA	1	0%	100%	$295,000	View
Nqm Funding, LLC	VA	1	0%	100%	$325,000
First Alliance Home Mortgage, LLC	FHA	1	0%	100%	$165,000
Das Acquisition Company, LLC	VA	1	0%	100%	$315,000
Nation One Mortgage Corporatio	FHA	1	0%	100%	$215,000
Oceanside Mortgage Company	FHA	1	0%	100%	$195,000
Geneva Financial LLC	VA	1	0%	100%	$355,000
Chevron Federal Credit Union A+5.0 ★Texas Ratio: 2.12%	Conventional	1	0%	100%	$385,000
Kish Bank A+5.0 ★Texas Ratio: 5.78%	Conventional	1	0%	100%	$215,000	View
Southeast Mortgage of Georgia, Inc.	VA	1	0%	100%	$355,000
Churchill Mortgage Corporation	VA	1	0%	100%	$285,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0%	100%	$135,000	View
Smartbank A+5.0 ★Texas Ratio: 1.74%	Conventional	1	0%	100%	$305,000	View
Saygo Home Loans, LLC	FHA	1	0%	100%	$285,000
Tjc Mortgage Inc	VA	1	0%	100%	$335,000
University Bank A+5.0 ★Texas Ratio: 3.82%	VA	1	0%	100%	$255,000	View
Digital Federal Credit Union	Conventional	1	0%	100%	$205,000
Pike Creek Mortgage Services, Inc.	VA	1	0%	100%	$305,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0%	100%	$245,000	View
Mortgage Solutions of Colorado	FHA	1	0%	33.3%	$255,000
Genway Home Mortgage, Inc.	Conventional	1	0%	100%	$5,000
Keystone Funding, Inc	FHA	1	0%	100%	$225,000
Nations Direct Mortgage, LLC	Conventional	1	0%	100%	$335,000
Gmfs, LLC	FHA	1	0%	100%	$405,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	1	0%	100%	$85,000	View
Angel Oak Mortgage Solutions LLC	Conventional	1	0%	100%	$215,000
Vanderbilt Mortgage and Finance, Inc	VA	1	0%	33.3%	$405,000
Figure Lending LLC	HELOC	0 +10 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +2 HELOCs	0%	n/a		View
Tower Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Together Credit Union A+5.0 ★Texas Ratio: 4.25%	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Portsmouth Mortgage Rate Trends

Daily average mortgage rates for Virginia compared with the national average, updated every evening.

30-Year Fixed VA Avg

7.501%

▲ 0.110 vs 7 days ago

15-Year Fixed VA Avg

6.940%

▲ 0.085 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Portsmouth, Virginia

Looking for mortgage lenders near me or mortgage brokers near me in Portsmouth? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Portsmouth in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Portsmouth, VA

Use these to narrow the list above. Each category shows how many Portsmouth, VA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 117 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 47 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 20 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 95 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 107 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Local lenders based in VA 33 lenders headquartered in Virginia, the closest thing to a mortgage lender near you

Who Lends in Portsmouth, VA

Independent mortgage companies closed 82.5 percent of home loans in Portsmouth, Virginia in 2025, banks 10 percent and credit unions 7.5 percent. Atlantic Bay Mortgage Group was the largest mortgage company, TowneBank the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in Virginia, TowneBank led with 29 loans.

82.5%

Mortgage companies

10%

Banks

7.5%

Credit unions

22%

FHA loans

46%

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Attorneys customarily handle closings in Virginia. State recordation tax of $0.25 per $100 on deeds and on deeds of trust (buyer/borrower), a state grantor tax of $0.50 per $500 (seller), localities may add one third of the state tax, and Northern Virginia and Hampton Roads add a regional grantor tax of $0.10 per $100 (Va. Code 58.1-801 through 58.1-803).

More Virginia Mortgage Lender Pages

All Virginia lenders 802 lenders Virginia Beach 307 lenders Chesapeake 236 lenders Norfolk 216 lenders Richmond 254 lenders Newport News 193 lenders Hampton 185 lenders Suffolk 178 lenders Arlington 238 lenders Alexandria 227 lenders Roanoke 164 lenders Lynchburg 161 lenders Reston 176 lenders

Frequently Asked Questions About Mortgage Lenders in Portsmouth, VA

Who is the largest mortgage lender in Portsmouth, VA?

By home loans closed in 2025, TowneBank was the largest mortgage lender in Portsmouth, Virginia with 29 loans, about 1.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Portsmouth, VA have the highest approval rates?

Among lenders with meaningful volume in Portsmouth, Virginia, Atlantic Coast Mortgage, LLC approved the highest share of completed applications in 2025 at 97 percent, against a 81.2 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Portsmouth, VA mortgage lenders offer FHA, VA and USDA loans?

95 lenders closed FHA loans in Portsmouth, Virginia in 2025, led by American Neighborhood Mortgage Acceptance Company with 52. 107 lenders closed VA loans, led by Mortgage Research Center, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Portsmouth, VA lender list?

Yes. 47 banks and 20 credit unions closed home loans in Portsmouth, Virginia in 2025, alongside 117 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Portsmouth, VA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Portsmouth, Virginia during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Portsmouth, Virginia for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Portsmouth. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.