Top Mortgage Lenders in the Richmond, VA area

Which mortgage lender in the Richmond, VA area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Richmond, VA area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Richmond, VA area is Village Bank Mortgage Corp, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.43%. This means that Village Bank Mortgage Corp provided a -0.43% lower interest rate for its customers than other lenders in Richmond, VA for a similar set of borrowers. Village Bank Mortgage Corp has a market share of 1.1%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 9.0%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.19% relative to those of other lenders. We recommend shopping around before going with this popular lender.

Our detailed rankings of the mortgage lenders for the Richmond, VA area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Richmond, VA is Village Bank Mortgage Corp. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Bank of America. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Virginia Credit Union. The cheapest VA mortgage provider is Navy Federal Credit Union. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Village Bank Mortgage Corp 1, -0.43% 1.05%
Virginia Credit Union 2, -0.26% 6.04%
Capital Center 3, -0.17% 7.88%
Call Federal CU 4, -0.16% 0.57%
TowneBank 5, -0.10% 2.10%
Bank of America 6, -0.10% 1.77%
McLean Mortgage Corporation 7, -0.09% 0.80%
Ameris Bank 8, -0.08% 0.31%
Movement Mortgage 9, -0.06% 4.18%
Atlantic Coast Mortgage 10, -0.05% 0.23%
Pentagon Federal Credit Union 11, -0.05% 0.24%
Provident Funding Associates 12, -0.05% 0.33%
Amerisave Mortgage Corporation 13, -0.05% 0.39%
First Heritage Mortgage 14, -0.04% 0.93%
Citizens Bank 15, -0.04% 0.61%
Prosperity Home Mortgage 16, -0.03% 4.23%
Stearns Lending 17, -0.03% 0.76%
C&F Mortgage Corp 18, -0.02% 6.10%
Home Point Financial Corporation 19, -0.02% 0.25%
Towne First Mortgage 20, -0.02% 1.69%
Mason-McDuffie Mortgage Corporation 21, -0.01% 0.38%
LoanDepot 22, -0.01% 1.50%
ALCOVA Mortgage 23, -0.01% 1.88%
Tiaa, Fsb 24, -0.01% 0.12%
Caliber Home Loans Inc 25, -0.01% 1.39%
Nexbank 26, -0.01% 0.24%
Guaranteed Rate Inc 27, -0.00% 0.39%
North American Savings Bank 28, -0.00% 0.14%
Suntrust Banks, Inc 29, -0.00% 2.35%
Truist Bank 30, -0.00% 1.33%
Wells Fargo Bank 31, 0.00% 5.36%
NBKC Bank 32, 0.00% 0.19%
George Mason Mortgage 33, 0.00% 3.96%
FirstBank 34, 0.00% 0.13%
Primelending 35, 0.01% 1.62%
RoundPoint Mortgage Servicing Corporation 36, 0.01% 0.18%
Newrez 37, 0.01% 0.52%
Tidewater Home Funding 38, 0.01% 0.83%
Atlantic Bay Mortgage Group 39, 0.02% 1.01%
JPMorgan Chase Bank 40, 0.02% 0.73%
Magnolia Bank Incorporated 41, 0.02% 0.12%
Fulton Bank 42, 0.03% 0.65%
Lakeview Loan Servicing 43, 0.03% 0.26%
Us Bank 44, 0.03% 0.38%
Usaa Federal Savings Bank 45, 0.03% 1.20%
Southern Trust Mortgage 46, 0.04% 2.68%
Pnc Bank 47, 0.04% 0.20%
JG Wentworth Home Lending 48, 0.04% 0.93%
Wyndham Capital Mortgage 49, 0.04% 0.13%
Pennymac Loan Services 50, 0.04% 1.11%
Cardinal Financial Company LP 51, 0.04% 0.36%
Homespire Mortgage Corporation 52, 0.05% 0.20%
M&T Bank 53, 0.06% 0.15%
First Federal Bank 54, 0.06% 0.16%
Residential Mortgage Services 55, 0.06% 0.13%
New American Funding 56, 0.06% 0.24%
Assurance Financial Group 57, 0.07% 0.45%
Flagstar Bank 58, 0.07% 0.38%
Member Advantage Mortgage 59, 0.07% 0.26%
HomeBridge Financial Services, Inc 60, 0.07% 0.19%
Fairway Independent Mort Corp 61, 0.08% 0.71%
Freedom Mortgage Corporation 62, 0.08% 1.06%
Finance of America Mortgage 63, 0.08% 0.16%
Synergy One Lending 64, 0.08% 0.13%
NFM, Inc 65, 0.08% 2.19%
Atlantic Union Bank 66, 0.08% 0.50%
Embrace Home Loans, Inc 67, 0.08% 0.44%
Tidewater Mortgage Services Inc 68, 0.10% 0.54%
Fidelity Bank 69, 0.10% 0.20%
Integrity Home Mortgage Corp 70, 0.10% 0.71%
Guild Mortgage Company 71, 0.11% 0.25%
Mortgage One Solutions, Inc 72, 0.11% 0.13%
Carrington Mortgage Services 73, 0.12% 0.74%
Reliance First Capital 74, 0.12% 0.20%
Navy Federal Credit Union 75, 0.14% 1.84%
Geneva Financial 76, 0.14% 0.16%
The Federal Savings Bank 77, 0.14% 0.67%
Sierra Pacific Mortgage 78, 0.15% 0.73%
Ditech Financial 79, 0.17% 0.28%
Homeside Financial 80, 0.18% 0.11%
First Home Mortgage 81, 0.18% 0.47%
NVR Mortgage Finance Inc 82, 0.19% 2.04%
Quicken Loans 83, 0.19% 9.00%
Nationstar Mortgage 84, 0.33% 1.20%
Nationwide Mortgage Bankers Inc 85, 0.36% 0.27%
NewDay USA 86, 0.49% 0.23%
First National Bank Of America 87, 0.75% 0.12%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Village Bank Mortgage Corp 1, -0.41% 1.74%
Virginia Credit Union 2, -0.31% 4.99%
Call Federal CU 3, -0.12% 0.31%
Freedom Mortgage Corporation 4, -0.12% 0.65%
Bank of America 5, -0.11% 1.74%
Wells Fargo Bank 6, -0.10% 5.71%
TowneBank 7, -0.10% 3.12%
Capital Center 8, -0.09% 3.34%
McLean Mortgage Corporation 9, -0.09% 1.10%
Ameris Bank 10, -0.08% 0.30%
Movement Mortgage 11, -0.05% 5.65%
Provident Funding Associates 12, -0.04% 0.22%
Atlantic Coast Mortgage 13, -0.04% 0.36%
Pentagon Federal Credit Union 14, -0.03% 0.30%
JPMorgan Chase Bank 15, -0.03% 0.55%
First Heritage Mortgage 16, -0.02% 1.31%
Citizens Bank 17, -0.02% 0.52%
Suntrust Banks, Inc 18, -0.02% 2.54%
Stearns Lending 19, -0.01% 1.17%
Prosperity Home Mortgage 20, -0.01% 6.12%
Atlantic Bay Mortgage Group 21, -0.01% 1.20%
Mason-McDuffie Mortgage Corporation 22, -0.00% 0.47%
Tiaa, Fsb 23, -0.00% 0.16%
Towne First Mortgage 24, -0.00% 2.52%
Truist Bank 25, 0.00% 1.07%
George Mason Mortgage 26, 0.00% 5.55%
Pnc Bank 27, 0.01% 0.08%
NBKC Bank 28, 0.01% 0.18%
Primelending 29, 0.01% 2.35%
C&F Mortgage Corp 30, 0.02% 8.06%
ALCOVA Mortgage 31, 0.02% 2.13%
North American Savings Bank 32, 0.02% 0.13%
Tidewater Home Funding 33, 0.03% 1.03%
Us Bank 34, 0.03% 0.28%
Guaranteed Rate Inc 35, 0.03% 0.34%
Home Point Financial Corporation 36, 0.03% 0.15%
Pennymac Loan Services 37, 0.03% 0.16%
Atlantic Union Bank 38, 0.03% 0.47%
Caliber Home Loans Inc 39, 0.04% 1.06%
First Federal Bank 40, 0.04% 0.10%
Amerisave Mortgage Corporation 41, 0.04% 0.05%
Fulton Bank 42, 0.04% 0.91%
FirstBank 43, 0.05% 0.08%
Cardinal Financial Company LP 44, 0.05% 0.22%
Nexbank 45, 0.05% 0.22%
Newrez 46, 0.05% 0.26%
Southern Trust Mortgage 47, 0.05% 3.65%
Usaa Federal Savings Bank 48, 0.06% 1.41%
M&T Bank 49, 0.06% 0.12%
Ditech Financial 50, 0.06% 0.01%
JG Wentworth Home Lending 51, 0.06% 1.06%
Synergy One Lending 52, 0.06% 0.02%
Magnolia Bank Incorporated 53, 0.07% 0.02%
Homespire Mortgage Corporation 54, 0.07% 0.31%
LoanDepot 55, 0.07% 0.69%
RoundPoint Mortgage Servicing Corporation 56, 0.07% 0.01%
HomeBridge Financial Services, Inc 57, 0.07% 0.09%
Wyndham Capital Mortgage 58, 0.07% 0.06%
Lakeview Loan Servicing 59, 0.08% 0.01%
Reliance First Capital 60, 0.08% 0.01%
Residential Mortgage Services 61, 0.08% 0.18%
NewDay USA 62, 0.09% 0.03%
Homeside Financial 63, 0.09% 0.05%
Assurance Financial Group 64, 0.09% 0.53%
NFM, Inc 65, 0.10% 3.17%
New American Funding 66, 0.11% 0.17%
Member Advantage Mortgage 67, 0.12% 0.22%
The Federal Savings Bank 68, 0.12% 0.46%
Fairway Independent Mort Corp 69, 0.12% 0.89%
Embrace Home Loans, Inc 70, 0.12% 0.53%
Finance of America Mortgage 71, 0.12% 0.18%
Fidelity Bank 72, 0.12% 0.32%
Tidewater Mortgage Services Inc 73, 0.12% 0.75%
Integrity Home Mortgage Corp 74, 0.13% 0.98%
Quicken Loans 75, 0.14% 3.42%
Guild Mortgage Company 76, 0.14% 0.38%
Flagstar Bank 77, 0.14% 0.31%
Mortgage One Solutions, Inc 78, 0.15% 0.18%
Geneva Financial 79, 0.18% 0.20%
Sierra Pacific Mortgage 80, 0.19% 0.92%
Navy Federal Credit Union 81, 0.20% 2.39%
Nationstar Mortgage 82, 0.21% 0.41%
NVR Mortgage Finance Inc 83, 0.21% 3.40%
Carrington Mortgage Services 84, 0.23% 0.18%
First Home Mortgage 85, 0.23% 0.69%
Nationwide Mortgage Bankers Inc 86, 0.42% 0.39%
First National Bank Of America 87, 0.79% 0.20%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Virginia Credit Union 1, -0.23% 7.61%
Capital Center 2, -0.22% 14.70%
Call Federal CU 3, -0.20% 0.97%
C&F Mortgage Corp 4, -0.12% 3.17%
Prosperity Home Mortgage 5, -0.10% 1.40%
Nexbank 6, -0.09% 0.26%
Amerisave Mortgage Corporation 7, -0.09% 0.90%
Bank of America 8, -0.09% 1.80%
Pentagon Federal Credit Union 9, -0.08% 0.15%
Provident Funding Associates 10, -0.08% 0.48%
Ameris Bank 11, -0.07% 0.32%
Home Point Financial Corporation 12, -0.07% 0.40%
LoanDepot 13, -0.07% 2.70%
Caliber Home Loans Inc 14, -0.06% 1.88%
First Heritage Mortgage 15, -0.06% 0.35%
Citizens Bank 16, -0.06% 0.73%
ALCOVA Mortgage 17, -0.05% 1.50%
McLean Mortgage Corporation 18, -0.05% 0.35%
Guaranteed Rate Inc 19, -0.05% 0.46%
North American Savings Bank 20, -0.04% 0.16%
FirstBank 21, -0.04% 0.20%
Movement Mortgage 22, -0.04% 1.97%
First Home Mortgage 23, -0.03% 0.15%
Newrez 24, -0.02% 0.91%
Navy Federal Credit Union 25, -0.02% 1.01%
Mason-McDuffie Mortgage Corporation 26, -0.02% 0.25%
RoundPoint Mortgage Servicing Corporation 27, -0.02% 0.42%
Towne First Mortgage 28, -0.02% 0.45%
Fairway Independent Mort Corp 29, -0.02% 0.45%
NBKC Bank 30, -0.01% 0.21%
Truist Bank 31, -0.01% 1.72%
Usaa Federal Savings Bank 32, -0.01% 0.89%
Flagstar Bank 33, -0.01% 0.48%
Magnolia Bank Incorporated 34, -0.01% 0.26%
Tiaa, Fsb 35, -0.01% 0.07%
Atlantic Coast Mortgage 36, -0.00% 0.05%
Lakeview Loan Servicing 37, -0.00% 0.63%
JG Wentworth Home Lending 38, -0.00% 0.75%
Village Bank Mortgage Corp 39, 0.00% 0.02%
Wyndham Capital Mortgage 40, 0.00% 0.25%
New American Funding 41, 0.00% 0.36%
Tidewater Home Funding 42, 0.01% 0.52%
Member Advantage Mortgage 43, 0.01% 0.32%
Pennymac Loan Services 44, 0.01% 2.54%
Residential Mortgage Services 45, 0.01% 0.06%
Finance of America Mortgage 46, 0.01% 0.15%
Stearns Lending 47, 0.01% 0.15%
Embrace Home Loans, Inc 48, 0.02% 0.29%
Southern Trust Mortgage 49, 0.02% 1.22%
Us Bank 50, 0.02% 0.52%
Fulton Bank 51, 0.02% 0.25%
Pnc Bank 52, 0.02% 0.39%
Cardinal Financial Company LP 53, 0.02% 0.57%
Guild Mortgage Company 54, 0.02% 0.05%
Assurance Financial Group 55, 0.02% 0.32%
Mortgage One Solutions, Inc 56, 0.03% 0.05%
Fidelity Bank 57, 0.03% 0.02%
Suntrust Banks, Inc 58, 0.04% 2.06%
NFM, Inc 59, 0.04% 0.72%
Homespire Mortgage Corporation 60, 0.04% 0.04%
M&T Bank 61, 0.04% 0.21%
First National Bank Of America 62, 0.05% 0.01%
Geneva Financial 63, 0.05% 0.09%
HomeBridge Financial Services, Inc 64, 0.05% 0.35%
Tidewater Mortgage Services Inc 65, 0.05% 0.22%
First Federal Bank 66, 0.05% 0.24%
JPMorgan Chase Bank 67, 0.05% 0.99%
Synergy One Lending 68, 0.05% 0.30%
Sierra Pacific Mortgage 69, 0.06% 0.43%
TowneBank 70, 0.07% 0.57%
Integrity Home Mortgage Corp 71, 0.07% 0.32%
Carrington Mortgage Services 72, 0.07% 1.58%
Primelending 73, 0.09% 0.54%
George Mason Mortgage 74, 0.09% 1.59%
Reliance First Capital 75, 0.09% 0.50%
Nationwide Mortgage Bankers Inc 76, 0.09% 0.09%
Atlantic Bay Mortgage Group 77, 0.10% 0.73%
Ditech Financial 78, 0.14% 0.68%
The Federal Savings Bank 79, 0.14% 1.00%
Atlantic Union Bank 80, 0.15% 0.54%
Freedom Mortgage Corporation 81, 0.17% 1.68%
Homeside Financial 82, 0.18% 0.21%
Quicken Loans 83, 0.19% 17.39%
Wells Fargo Bank 84, 0.19% 4.83%
Nationstar Mortgage 85, 0.33% 2.38%
NewDay USA 86, 0.50% 0.52%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Village Bank Mortgage Corp 1, -0.72% 0.82%
Virginia Credit Union 2, -0.26% 7.17%
Capital Center 3, -0.15% 10.72%
Call Federal CU 4, -0.14% 0.81%
TowneBank 5, -0.14% 2.15%
McLean Mortgage Corporation 6, -0.12% 0.77%
Bank of America 7, -0.08% 2.26%
Ameris Bank 8, -0.08% 0.33%
Atlantic Coast Mortgage 9, -0.07% 0.22%
Amerisave Mortgage Corporation 10, -0.07% 0.39%
Movement Mortgage 11, -0.07% 3.75%
Stearns Lending 12, -0.06% 0.53%
First Heritage Mortgage 13, -0.05% 1.12%
Pentagon Federal Credit Union 14, -0.04% 0.27%
C&F Mortgage Corp 15, -0.04% 6.41%
Provident Funding Associates 16, -0.04% 0.44%
Mason-McDuffie Mortgage Corporation 17, -0.03% 0.30%
Prosperity Home Mortgage 18, -0.03% 4.35%
LoanDepot 19, -0.03% 1.06%
Towne First Mortgage 20, -0.03% 1.66%
Primelending 21, -0.02% 1.27%
Citizens Bank 22, -0.02% 0.73%
ALCOVA Mortgage 23, -0.02% 1.87%
George Mason Mortgage 24, -0.02% 4.29%
Tiaa, Fsb 25, -0.00% 0.15%
Guaranteed Rate Inc 26, 0.00% 0.39%
Nexbank 27, 0.01% 0.33%
Suntrust Banks, Inc 28, 0.01% 2.69%
FirstBank 29, 0.01% 0.13%
Truist Bank 30, 0.01% 1.70%
NBKC Bank 31, 0.02% 0.17%
North American Savings Bank 32, 0.02% 0.08%
Atlantic Bay Mortgage Group 33, 0.02% 0.93%
RoundPoint Mortgage Servicing Corporation 34, 0.02% 0.13%
Wells Fargo Bank 35, 0.03% 6.70%
JPMorgan Chase Bank 36, 0.03% 0.86%
Home Point Financial Corporation 37, 0.03% 0.14%
Cardinal Financial Company LP 38, 0.03% 0.30%
Southern Trust Mortgage 39, 0.03% 2.95%
JG Wentworth Home Lending 40, 0.03% 0.75%
Newrez 41, 0.04% 0.44%
Us Bank 42, 0.04% 0.38%
Fulton Bank 43, 0.05% 0.79%
First Federal Bank 44, 0.05% 0.09%
Tidewater Home Funding 45, 0.05% 0.90%
Magnolia Bank Incorporated 46, 0.05% 0.04%
Pnc Bank 47, 0.05% 0.27%
Lakeview Loan Servicing 48, 0.05% 0.01%
Wyndham Capital Mortgage 49, 0.06% 0.15%
Residential Mortgage Services 50, 0.07% 0.11%
Homespire Mortgage Corporation 51, 0.07% 0.17%
Flagstar Bank 52, 0.07% 0.13%
Usaa Federal Savings Bank 53, 0.07% 0.66%
HomeBridge Financial Services, Inc 54, 0.08% 0.05%
New American Funding 55, 0.09% 0.18%
Member Advantage Mortgage 56, 0.09% 0.21%
Tidewater Mortgage Services Inc 57, 0.09% 0.29%
M&T Bank 58, 0.10% 0.13%
Finance of America Mortgage 59, 0.10% 0.16%
Assurance Financial Group 60, 0.10% 0.46%
Fairway Independent Mort Corp 61, 0.10% 0.53%
Caliber Home Loans Inc 62, 0.11% 0.84%
Mortgage One Solutions, Inc 63, 0.11% 0.12%
NFM, Inc 64, 0.11% 1.97%
Embrace Home Loans, Inc 65, 0.11% 0.19%
Atlantic Union Bank 66, 0.12% 0.58%
Synergy One Lending 67, 0.12% 0.07%
Pennymac Loan Services 68, 0.13% 0.52%
Fidelity Bank 69, 0.14% 0.19%
Guild Mortgage Company 70, 0.14% 0.18%
The Federal Savings Bank 71, 0.15% 0.41%
Integrity Home Mortgage Corp 72, 0.17% 0.63%
Geneva Financial 73, 0.17% 0.18%
Nationwide Mortgage Bankers Inc 74, 0.18% 0.10%
First Home Mortgage 75, 0.20% 0.44%
Carrington Mortgage Services 76, 0.20% 0.17%
Freedom Mortgage Corporation 77, 0.20% 0.35%
Reliance First Capital 78, 0.21% 0.11%
NVR Mortgage Finance Inc 79, 0.21% 1.93%
Sierra Pacific Mortgage 80, 0.22% 0.63%
Quicken Loans 81, 0.24% 9.57%
Homeside Financial 82, 0.25% 0.09%
Ditech Financial 83, 0.31% 0.23%
Nationstar Mortgage 84, 0.46% 0.81%
Navy Federal Credit Union 85, 0.46% 1.34%
First National Bank Of America 86, 0.79% 0.17%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Village Bank Mortgage Corp 1, -0.69% 1.41%
Virginia Credit Union 2, -0.33% 5.67%
TowneBank 3, -0.15% 3.28%
McLean Mortgage Corporation 4, -0.13% 1.01%
Call Federal CU 5, -0.10% 0.45%
Ameris Bank 6, -0.09% 0.31%
Wells Fargo Bank 7, -0.09% 7.20%
Bank of America 8, -0.08% 2.19%
JPMorgan Chase Bank 9, -0.07% 0.57%
Capital Center 10, -0.06% 4.53%
Movement Mortgage 11, -0.06% 5.17%
Atlantic Coast Mortgage 12, -0.05% 0.34%
Stearns Lending 13, -0.04% 0.82%
Atlantic Bay Mortgage Group 14, -0.03% 1.04%
Mason-McDuffie Mortgage Corporation 15, -0.03% 0.35%
George Mason Mortgage 16, -0.03% 6.01%
Primelending 17, -0.03% 1.84%
First Heritage Mortgage 18, -0.03% 1.63%
Provident Funding Associates 19, -0.02% 0.29%
Pentagon Federal Credit Union 20, -0.01% 0.33%
Suntrust Banks, Inc 21, -0.01% 2.87%
Towne First Mortgage 22, -0.00% 2.53%
ALCOVA Mortgage 23, 0.00% 2.07%
Prosperity Home Mortgage 24, 0.00% 6.66%
Citizens Bank 25, 0.01% 0.60%
C&F Mortgage Corp 26, 0.01% 8.31%
Us Bank 27, 0.02% 0.23%
Tiaa, Fsb 28, 0.02% 0.20%
Truist Bank 29, 0.02% 1.39%
NBKC Bank 30, 0.03% 0.14%
Pnc Bank 31, 0.03% 0.11%
Guaranteed Rate Inc 32, 0.04% 0.34%
LoanDepot 33, 0.04% 0.47%
Southern Trust Mortgage 34, 0.05% 4.10%
Cardinal Financial Company LP 35, 0.06% 0.16%
Atlantic Union Bank 36, 0.06% 0.52%
JG Wentworth Home Lending 37, 0.06% 0.75%
Home Point Financial Corporation 38, 0.06% 0.14%
FirstBank 39, 0.06% 0.06%
Amerisave Mortgage Corporation 40, 0.06% 0.06%
Tidewater Home Funding 41, 0.07% 1.19%
Fulton Bank 42, 0.07% 1.15%
Nexbank 43, 0.08% 0.32%
First Federal Bank 44, 0.08% 0.10%
M&T Bank 45, 0.08% 0.06%
Nationstar Mortgage 46, 0.08% 0.08%
Synergy One Lending 47, 0.08% 0.03%
Magnolia Bank Incorporated 48, 0.09% 0.01%
Newrez 49, 0.09% 0.22%
Homespire Mortgage Corporation 50, 0.09% 0.25%
Residential Mortgage Services 51, 0.09% 0.17%
North American Savings Bank 52, 0.09% 0.05%
Wyndham Capital Mortgage 53, 0.10% 0.07%
Carrington Mortgage Services 54, 0.10% 0.02%
Pennymac Loan Services 55, 0.10% 0.08%
Usaa Federal Savings Bank 56, 0.11% 0.80%
HomeBridge Financial Services, Inc 57, 0.11% 0.05%
Tidewater Mortgage Services Inc 58, 0.11% 0.33%
RoundPoint Mortgage Servicing Corporation 59, 0.11% 0.01%
Homeside Financial 60, 0.12% 0.04%
Flagstar Bank 61, 0.12% 0.09%
NFM, Inc 62, 0.14% 2.90%
New American Funding 63, 0.14% 0.13%
Mortgage One Solutions, Inc 64, 0.14% 0.18%
Assurance Financial Group 65, 0.14% 0.52%
Freedom Mortgage Corporation 66, 0.15% 0.12%
Embrace Home Loans, Inc 67, 0.15% 0.24%
Finance of America Mortgage 68, 0.16% 0.16%
Caliber Home Loans Inc 69, 0.16% 0.79%
Quicken Loans 70, 0.16% 3.84%
Fairway Independent Mort Corp 71, 0.17% 0.65%
Member Advantage Mortgage 72, 0.17% 0.18%
The Federal Savings Bank 73, 0.17% 0.41%
Fidelity Bank 74, 0.18% 0.31%
Guild Mortgage Company 75, 0.18% 0.29%
Nationwide Mortgage Bankers Inc 76, 0.21% 0.14%
Integrity Home Mortgage Corp 77, 0.22% 0.83%
Geneva Financial 78, 0.22% 0.24%
NVR Mortgage Finance Inc 79, 0.24% 3.34%
First Home Mortgage 80, 0.27% 0.62%
Sierra Pacific Mortgage 81, 0.29% 0.76%
Navy Federal Credit Union 82, 0.60% 1.78%
First National Bank Of America 83, 0.84% 0.29%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Virginia Credit Union 1, -0.23% 9.22%
Capital Center 2, -0.21% 19.16%
Call Federal CU 3, -0.19% 1.31%
C&F Mortgage Corp 4, -0.13% 3.82%
Amerisave Mortgage Corporation 5, -0.12% 0.83%
Prosperity Home Mortgage 6, -0.09% 1.20%
LoanDepot 7, -0.08% 1.87%
Nexbank 8, -0.08% 0.35%
Bank of America 9, -0.08% 2.35%
Ameris Bank 10, -0.08% 0.37%
Pentagon Federal Credit Union 11, -0.07% 0.18%
Provident Funding Associates 12, -0.07% 0.64%
First Heritage Mortgage 13, -0.07% 0.42%
Citizens Bank 14, -0.06% 0.91%
ALCOVA Mortgage 15, -0.05% 1.59%
Guaranteed Rate Inc 16, -0.05% 0.44%
McLean Mortgage Corporation 17, -0.05% 0.43%
North American Savings Bank 18, -0.05% 0.12%
FirstBank 19, -0.04% 0.21%
First Home Mortgage 20, -0.02% 0.18%
RoundPoint Mortgage Servicing Corporation 21, -0.02% 0.28%
Mason-McDuffie Mortgage Corporation 22, -0.02% 0.22%
Movement Mortgage 23, -0.02% 1.81%
Fairway Independent Mort Corp 24, -0.01% 0.36%
Home Point Financial Corporation 25, -0.01% 0.12%
Towne First Mortgage 26, -0.01% 0.48%
Tiaa, Fsb 27, -0.01% 0.07%
Newrez 28, -0.01% 0.74%
Cardinal Financial Company LP 29, -0.01% 0.48%
NBKC Bank 30, -0.01% 0.21%
Truist Bank 31, -0.01% 2.12%
JG Wentworth Home Lending 32, 0.00% 0.75%
Atlantic Coast Mortgage 33, 0.00% 0.05%
Member Advantage Mortgage 34, 0.00% 0.25%
First Federal Bank 35, 0.00% 0.09%
Magnolia Bank Incorporated 36, 0.01% 0.07%
Village Bank Mortgage Corp 37, 0.01% 0.01%
Wyndham Capital Mortgage 38, 0.01% 0.26%
Lakeview Loan Servicing 39, 0.01% 0.01%
Finance of America Mortgage 40, 0.02% 0.15%
Flagstar Bank 41, 0.02% 0.17%
Guild Mortgage Company 42, 0.02% 0.04%
Usaa Federal Savings Bank 43, 0.02% 0.46%
New American Funding 44, 0.03% 0.26%
Us Bank 45, 0.03% 0.59%
Pnc Bank 46, 0.03% 0.49%
HomeBridge Financial Services, Inc 47, 0.03% 0.04%
Residential Mortgage Services 48, 0.03% 0.02%
Fulton Bank 49, 0.03% 0.30%
Southern Trust Mortgage 50, 0.03% 1.38%
Stearns Lending 51, 0.03% 0.12%
Tidewater Home Funding 52, 0.04% 0.51%
Assurance Financial Group 53, 0.04% 0.37%
Caliber Home Loans Inc 54, 0.04% 0.91%
Fidelity Bank 55, 0.04% 0.02%
Homespire Mortgage Corporation 56, 0.05% 0.05%
Mortgage One Solutions, Inc 57, 0.05% 0.04%
Suntrust Banks, Inc 58, 0.05% 2.45%
Embrace Home Loans, Inc 59, 0.06% 0.11%
First National Bank Of America 60, 0.06% 0.01%
JPMorgan Chase Bank 61, 0.06% 1.25%
Geneva Financial 62, 0.07% 0.10%
M&T Bank 63, 0.07% 0.21%
Tidewater Mortgage Services Inc 64, 0.07% 0.23%
Sierra Pacific Mortgage 65, 0.08% 0.46%
NFM, Inc 66, 0.08% 0.69%
Navy Federal Credit Union 67, 0.09% 0.74%
TowneBank 68, 0.09% 0.62%
Pennymac Loan Services 69, 0.09% 1.11%
Integrity Home Mortgage Corp 70, 0.09% 0.36%
Synergy One Lending 71, 0.10% 0.14%
George Mason Mortgage 72, 0.11% 1.94%
Primelending 73, 0.11% 0.51%
Nationwide Mortgage Bankers Inc 74, 0.12% 0.06%
The Federal Savings Bank 75, 0.13% 0.42%
Atlantic Bay Mortgage Group 76, 0.13% 0.79%
Reliance First Capital 77, 0.17% 0.26%
Atlantic Union Bank 78, 0.17% 0.67%
Carrington Mortgage Services 79, 0.17% 0.37%
Freedom Mortgage Corporation 80, 0.18% 0.67%
Wells Fargo Bank 81, 0.21% 6.02%
Quicken Loans 82, 0.23% 17.38%
Homeside Financial 83, 0.26% 0.17%
Ditech Financial 84, 0.27% 0.55%
Nationstar Mortgage 85, 0.44% 1.80%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Virginia Credit Union 1, -0.25% 4.68%
Capital Center 2, -0.19% 1.23%
Bank of America 3, -0.16% 0.35%
Tidewater Home Funding 4, -0.12% 0.55%
Caliber Home Loans Inc 5, -0.11% 2.23%
Village Bank Mortgage Corp 6, -0.10% 2.66%
Citizens Bank 7, -0.09% 0.35%
Ameris Bank 8, -0.09% 0.29%
Freedom Mortgage Corporation 9, -0.08% 2.29%
Ditech Financial 10, -0.07% 0.47%
Movement Mortgage 11, -0.07% 6.97%
Newrez 12, -0.06% 0.84%
Provident Funding Associates 13, -0.06% 0.12%
McLean Mortgage Corporation 14, -0.06% 1.17%
Navy Federal Credit Union 15, -0.06% 0.47%
Home Point Financial Corporation 16, -0.05% 0.43%
Integrity Home Mortgage Corp 17, -0.04% 1.08%
Atlantic Union Bank 18, -0.04% 0.29%
Suntrust Banks, Inc 19, -0.04% 0.59%
Fulton Bank 20, -0.04% 0.33%
Amerisave Mortgage Corporation 21, -0.03% 0.29%
Atlantic Coast Mortgage 22, -0.03% 0.35%
Tiaa, Fsb 23, -0.03% 0.08%
First Federal Bank 24, -0.03% 0.18%
RoundPoint Mortgage Servicing Corporation 25, -0.03% 0.18%
Stearns Lending 26, -0.03% 1.94%
Nexbank 27, -0.02% 0.04%
Pennymac Loan Services 28, -0.02% 1.41%
Towne First Mortgage 29, -0.02% 2.13%
Carrington Mortgage Services 30, -0.02% 2.02%
M&T Bank 31, -0.02% 0.31%
Prosperity Home Mortgage 32, -0.01% 3.37%
Assurance Financial Group 33, -0.01% 0.45%
North American Savings Bank 34, -0.01% 0.08%
Mason-McDuffie Mortgage Corporation 35, -0.01% 0.84%
FirstBank 36, -0.01% 0.22%
Us Bank 37, -0.01% 0.06%
Wyndham Capital Mortgage 38, -0.01% 0.12%
Atlantic Bay Mortgage Group 39, -0.01% 1.25%
NBKC Bank 40, -0.01% 0.06%
Synergy One Lending 41, -0.01% 0.27%
Truist Bank 42, -0.00% 0.08%
Guaranteed Rate Inc 43, 0.00% 0.27%
Wells Fargo Bank 44, 0.00% 0.04%
JG Wentworth Home Lending 45, 0.01% 1.39%
The Federal Savings Bank 46, 0.01% 0.43%
Quicken Loans 47, 0.01% 8.50%
Member Advantage Mortgage 48, 0.01% 0.27%
Pnc Bank 49, 0.01% 0.02%
TowneBank 50, 0.01% 2.49%
Fidelity Bank 51, 0.01% 0.27%
Homespire Mortgage Corporation 52, 0.02% 0.41%
New American Funding 53, 0.02% 0.43%
Primelending 54, 0.02% 3.37%
Magnolia Bank Incorporated 55, 0.02% 0.08%
NFM, Inc 56, 0.02% 3.62%
C&F Mortgage Corp 57, 0.02% 7.26%
NewDay USA 58, 0.02% 0.02%
Fairway Independent Mort Corp 59, 0.03% 1.37%
Sierra Pacific Mortgage 60, 0.03% 1.33%
ALCOVA Mortgage 61, 0.03% 2.37%
Embrace Home Loans, Inc 62, 0.03% 1.19%
Finance of America Mortgage 63, 0.03% 0.20%
Residential Mortgage Services 64, 0.04% 0.27%
Geneva Financial 65, 0.04% 0.10%
Reliance First Capital 66, 0.04% 0.57%
Lakeview Loan Servicing 67, 0.05% 0.86%
Cardinal Financial Company LP 68, 0.07% 0.61%
Homeside Financial 69, 0.07% 0.18%
First Heritage Mortgage 70, 0.07% 0.53%
HomeBridge Financial Services, Inc 71, 0.07% 0.49%
Flagstar Bank 72, 0.07% 0.74%
Guild Mortgage Company 73, 0.08% 0.47%
Southern Trust Mortgage 74, 0.09% 2.35%
Tidewater Mortgage Services Inc 75, 0.09% 1.47%
George Mason Mortgage 76, 0.09% 3.84%
LoanDepot 77, 0.11% 1.82%
Mortgage One Solutions, Inc 78, 0.11% 0.27%
NVR Mortgage Finance Inc 79, 0.14% 2.47%
First Home Mortgage 80, 0.17% 0.76%
Nationstar Mortgage 81, 0.20% 2.74%
Nationwide Mortgage Bankers Inc 82, 0.43% 1.02%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Virginia Credit Union 1, -0.25% 4.73%
Freedom Mortgage Corporation 2, -0.25% 1.58%
Capital Center 3, -0.18% 0.76%
Bank of America 4, -0.16% 0.48%
Tidewater Home Funding 5, -0.15% 0.65%
Caliber Home Loans Inc 6, -0.13% 1.41%
Citizens Bank 7, -0.11% 0.37%
Village Bank Mortgage Corp 8, -0.10% 3.63%
Ameris Bank 9, -0.10% 0.34%
Provident Funding Associates 10, -0.07% 0.14%
Movement Mortgage 11, -0.07% 8.44%
Navy Federal Credit Union 12, -0.06% 0.53%
McLean Mortgage Corporation 13, -0.06% 1.58%
First Federal Bank 14, -0.06% 0.14%
Pennymac Loan Services 15, -0.05% 0.14%
Atlantic Union Bank 16, -0.05% 0.37%
Integrity Home Mortgage Corp 17, -0.04% 1.49%
Home Point Financial Corporation 18, -0.04% 0.20%
Newrez 19, -0.04% 0.31%
Fulton Bank 20, -0.04% 0.39%
Suntrust Banks, Inc 21, -0.04% 0.79%
Atlantic Coast Mortgage 22, -0.04% 0.45%
Tiaa, Fsb 23, -0.03% 0.11%
Stearns Lending 24, -0.03% 2.62%
Nexbank 25, -0.02% 0.06%
Towne First Mortgage 26, -0.02% 2.78%
North American Savings Bank 27, -0.02% 0.08%
Assurance Financial Group 28, -0.02% 0.56%
NBKC Bank 29, -0.02% 0.06%
Prosperity Home Mortgage 30, -0.01% 4.25%
HomeBridge Financial Services, Inc 31, -0.01% 0.14%
Mason-McDuffie Mortgage Corporation 32, -0.01% 0.93%
Us Bank 33, -0.01% 0.06%
Atlantic Bay Mortgage Group 34, -0.00% 1.52%
Truist Bank 35, -0.00% 0.08%
Ditech Financial 36, -0.00% 0.03%
RoundPoint Mortgage Servicing Corporation 37, -0.00% 0.03%
FirstBank 38, -0.00% 0.17%
M&T Bank 39, -0.00% 0.28%
Wyndham Capital Mortgage 40, 0.01% 0.06%
JG Wentworth Home Lending 41, 0.01% 1.80%
Cardinal Financial Company LP 42, 0.01% 0.37%
Guaranteed Rate Inc 43, 0.01% 0.25%
The Federal Savings Bank 44, 0.01% 0.53%
Wells Fargo Bank 45, 0.01% 0.03%
Homeside Financial 46, 0.01% 0.06%
TowneBank 47, 0.01% 3.32%
Fidelity Bank 48, 0.01% 0.37%
Lakeview Loan Servicing 49, 0.01% 0.06%
Homespire Mortgage Corporation 50, 0.02% 0.56%
Reliance First Capital 51, 0.02% 0.03%
Primelending 52, 0.02% 4.28%
Member Advantage Mortgage 53, 0.02% 0.25%
C&F Mortgage Corp 54, 0.02% 9.25%
ALCOVA Mortgage 55, 0.03% 2.87%
Fairway Independent Mort Corp 56, 0.03% 1.60%
Sierra Pacific Mortgage 57, 0.03% 1.60%
NFM, Inc 58, 0.03% 4.44%
Geneva Financial 59, 0.04% 0.14%
Finance of America Mortgage 60, 0.04% 0.20%
Quicken Loans 61, 0.04% 2.59%
Embrace Home Loans, Inc 62, 0.04% 1.27%
New American Funding 63, 0.05% 0.34%
Residential Mortgage Services 64, 0.06% 0.25%
LoanDepot 65, 0.06% 1.29%
First Heritage Mortgage 66, 0.07% 0.70%
Guild Mortgage Company 67, 0.08% 0.59%
Tidewater Mortgage Services Inc 68, 0.09% 2.00%
Southern Trust Mortgage 69, 0.09% 3.01%
George Mason Mortgage 70, 0.09% 5.09%
Flagstar Bank 71, 0.09% 0.73%
Carrington Mortgage Services 72, 0.11% 0.34%
NVR Mortgage Finance Inc 73, 0.14% 3.40%
Mortgage One Solutions, Inc 74, 0.14% 0.28%
First Home Mortgage 75, 0.17% 1.04%
Nationstar Mortgage 76, 0.19% 1.10%
Nationwide Mortgage Bankers Inc 77, 0.47% 1.27%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Virginia Credit Union 1, -0.25% 4.56%
Capital Center 2, -0.20% 2.47%
Caliber Home Loans Inc 3, -0.09% 4.41%
Movement Mortgage 4, -0.07% 3.07%
Newrez 5, -0.07% 2.24%
Ditech Financial 6, -0.07% 1.65%
NFM, Inc 7, -0.06% 1.42%
Home Point Financial Corporation 8, -0.05% 1.05%
M&T Bank 9, -0.05% 0.37%
Atlantic Bay Mortgage Group 10, -0.04% 0.52%
Citizens Bank 11, -0.04% 0.30%
Carrington Mortgage Services 12, -0.03% 6.51%
Amerisave Mortgage Corporation 13, -0.03% 1.05%
RoundPoint Mortgage Servicing Corporation 14, -0.03% 0.60%
New American Funding 15, -0.03% 0.67%
Ameris Bank 16, -0.03% 0.15%
Mason-McDuffie Mortgage Corporation 17, -0.03% 0.60%
Stearns Lending 18, -0.02% 0.15%
Pennymac Loan Services 19, -0.02% 4.79%
FirstBank 20, -0.02% 0.37%
Navy Federal Credit Union 21, -0.02% 0.30%
Fulton Bank 22, -0.02% 0.15%
Towne First Mortgage 23, -0.02% 0.37%
Wyndham Capital Mortgage 24, -0.02% 0.30%
Guaranteed Rate Inc 25, -0.01% 0.30%
JG Wentworth Home Lending 26, -0.01% 0.30%
Village Bank Mortgage Corp 27, -0.01% 0.07%
Prosperity Home Mortgage 28, -0.01% 1.05%
Fairway Independent Mort Corp 29, -0.01% 0.75%
Us Bank 30, -0.01% 0.07%
Tidewater Mortgage Services Inc 31, -0.01% 0.07%
Residential Mortgage Services 32, -0.01% 0.30%
Atlantic Union Bank 33, -0.01% 0.07%
McLean Mortgage Corporation 34, -0.01% 0.07%
The Federal Savings Bank 35, -0.01% 0.15%
Truist Bank 36, -0.01% 0.07%
Member Advantage Mortgage 37, -0.00% 0.30%
Synergy One Lending 38, -0.00% 0.97%
Wells Fargo Bank 39, -0.00% 0.07%
Suntrust Banks, Inc 40, -0.00% 0.07%
Provident Funding Associates 41, -0.00% 0.07%
Sierra Pacific Mortgage 42, -0.00% 0.60%
Embrace Home Loans, Inc 43, -0.00% 0.97%
North American Savings Bank 44, 0.00% 0.07%
First Federal Bank 45, 0.00% 0.30%
Atlantic Coast Mortgage 46, 0.00% 0.07%
Assurance Financial Group 47, 0.00% 0.15%
Quicken Loans 48, 0.00% 24.23%
NBKC Bank 49, 0.01% 0.07%
Flagstar Bank 50, 0.01% 0.75%
First Heritage Mortgage 51, 0.01% 0.07%
Southern Trust Mortgage 52, 0.01% 0.60%
Mortgage One Solutions, Inc 53, 0.01% 0.22%
Pnc Bank 54, 0.01% 0.07%
Tidewater Home Funding 55, 0.02% 0.30%
Magnolia Bank Incorporated 56, 0.02% 0.30%
TowneBank 57, 0.02% 0.30%
Finance of America Mortgage 58, 0.02% 0.22%
George Mason Mortgage 59, 0.03% 0.52%
NewDay USA 60, 0.03% 0.07%
Guild Mortgage Company 61, 0.03% 0.15%
ALCOVA Mortgage 62, 0.04% 1.05%
Reliance First Capital 63, 0.05% 2.02%
Primelending 64, 0.05% 0.97%
C&F Mortgage Corp 65, 0.05% 1.94%
Lakeview Loan Servicing 66, 0.06% 2.99%
Nationwide Mortgage Bankers Inc 67, 0.07% 0.37%
Freedom Mortgage Corporation 68, 0.08% 4.19%
Homeside Financial 69, 0.08% 0.52%
HomeBridge Financial Services, Inc 70, 0.09% 1.42%
Cardinal Financial Company LP 71, 0.11% 1.27%
LoanDepot 72, 0.17% 3.22%
Nationstar Mortgage 73, 0.20% 7.11%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.08% 7.31%
Wells Fargo Bank 2, -0.08% 24.20%
Suntrust Banks, Inc 3, 0.00% 12.79%
Truist Bank 4, 0.01% 6.62%
Fulton Bank 5, 0.01% 1.37%
TowneBank 6, 0.02% 2.51%
Citizens Bank 7, 0.02% 0.68%
Caliber Home Loans Inc 8, 0.02% 0.46%
LoanDepot 9, 0.02% 0.23%
First Heritage Mortgage 10, 0.02% 0.91%
M&T Bank 11, 0.03% 0.46%
Guaranteed Rate Inc 12, 0.03% 1.14%
Cardinal Financial Company LP 13, 0.03% 0.46%
Ameris Bank 14, 0.03% 0.23%
NVR Mortgage Finance Inc 15, 0.03% 0.91%
George Mason Mortgage 16, 0.03% 1.37%
Fairway Independent Mort Corp 17, 0.03% 0.23%
Towne First Mortgage 18, 0.03% 0.68%
Atlantic Union Bank 19, 0.04% 1.60%
HomeBridge Financial Services, Inc 20, 0.04% 0.23%
Virginia Credit Union 21, 0.04% 0.46%
Pnc Bank 22, 0.04% 0.23%
Magnolia Bank Incorporated 23, 0.04% 0.23%
Southern Trust Mortgage 24, 0.04% 0.46%
Us Bank 25, 0.04% 5.71%
Capital Center 26, 0.04% 0.91%
Quicken Loans 27, 0.04% 2.05%
Fidelity Bank 28, 0.04% 0.46%
Assurance Financial Group 29, 0.05% 0.23%
Sierra Pacific Mortgage 30, 0.05% 0.23%
Tiaa, Fsb 31, 0.05% 0.46%
Nationwide Mortgage Bankers Inc 32, 0.05% 0.23%
Primelending 33, 0.05% 0.46%
Newrez 34, 0.05% 0.46%
Usaa Federal Savings Bank 35, 0.05% 0.23%
McLean Mortgage Corporation 36, 0.05% 1.37%
Prosperity Home Mortgage 37, 0.05% 5.71%
NFM, Inc 38, 0.05% 2.05%
Atlantic Bay Mortgage Group 39, 0.05% 0.46%
JG Wentworth Home Lending 40, 0.06% 0.23%
Movement Mortgage 41, 0.06% 1.83%
First National Bank Of America 42, 0.06% 0.23%
JPMorgan Chase Bank 43, 0.08% 7.76%
Navy Federal Credit Union 44, 0.09% 3.20%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.10% 8.41%
Wells Fargo Bank 2, -0.09% 24.60%
Suntrust Banks, Inc 3, 0.00% 14.24%
Truist Bank 4, 0.01% 4.85%
TowneBank 5, 0.02% 1.94%
Fulton Bank 6, 0.02% 1.94%
Citizens Bank 7, 0.02% 0.65%
First Heritage Mortgage 8, 0.02% 0.65%
Guaranteed Rate Inc 9, 0.04% 0.97%
M&T Bank 10, 0.04% 0.32%
George Mason Mortgage 11, 0.04% 1.29%
NVR Mortgage Finance Inc 12, 0.04% 1.29%
Fairway Independent Mort Corp 13, 0.04% 0.32%
Cardinal Financial Company LP 14, 0.04% 0.32%
Towne First Mortgage 15, 0.04% 0.65%
Quicken Loans 16, 0.04% 1.94%
HomeBridge Financial Services, Inc 17, 0.04% 0.32%
Magnolia Bank Incorporated 18, 0.05% 0.32%
Us Bank 19, 0.05% 5.50%
Fidelity Bank 20, 0.05% 0.65%
Southern Trust Mortgage 21, 0.05% 0.32%
Capital Center 22, 0.05% 0.65%
Assurance Financial Group 23, 0.05% 0.32%
Nationwide Mortgage Bankers Inc 24, 0.06% 0.32%
Primelending 25, 0.06% 0.65%
Usaa Federal Savings Bank 26, 0.06% 0.32%
Atlantic Union Bank 27, 0.06% 1.29%
McLean Mortgage Corporation 28, 0.06% 1.62%
NFM, Inc 29, 0.06% 2.59%
JG Wentworth Home Lending 30, 0.07% 0.32%
First National Bank Of America 31, 0.07% 0.32%
Prosperity Home Mortgage 32, 0.07% 6.15%
Movement Mortgage 33, 0.08% 1.94%
JPMorgan Chase Bank 34, 0.09% 8.41%
Navy Federal Credit Union 35, 0.11% 3.56%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.05% 23.26%
Truist Bank 2, -0.01% 10.85%
Atlantic Union Bank 3, -0.00% 2.33%
Prosperity Home Mortgage 4, 0.00% 4.65%
Caliber Home Loans Inc 5, 0.01% 1.55%
NFM, Inc 6, 0.01% 0.78%
LoanDepot 7, 0.01% 0.78%
M&T Bank 8, 0.01% 0.78%
Cardinal Financial Company LP 9, 0.01% 0.78%
Towne First Mortgage 10, 0.01% 0.78%
Bank of America 11, 0.01% 4.65%
Citizens Bank 12, 0.01% 0.78%
TowneBank 13, 0.01% 3.88%
Guaranteed Rate Inc 14, 0.01% 1.55%
McLean Mortgage Corporation 15, 0.01% 0.78%
Ameris Bank 16, 0.01% 0.78%
Suntrust Banks, Inc 17, 0.01% 9.30%
Movement Mortgage 18, 0.01% 1.55%
George Mason Mortgage 19, 0.02% 1.55%
First Heritage Mortgage 20, 0.02% 1.55%
Southern Trust Mortgage 21, 0.02% 0.78%
Us Bank 22, 0.02% 6.20%
Virginia Credit Union 23, 0.02% 1.55%
Pnc Bank 24, 0.02% 0.78%
Capital Center 25, 0.02% 1.55%
Sierra Pacific Mortgage 26, 0.03% 0.78%
Tiaa, Fsb 27, 0.03% 1.55%
Newrez 28, 0.03% 1.55%
Quicken Loans 29, 0.03% 2.33%
Atlantic Bay Mortgage Group 30, 0.04% 1.55%
Navy Federal Credit Union 31, 0.04% 2.33%
JPMorgan Chase Bank 32, 0.06% 6.20%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.26% 7.23%
Caliber Home Loans Inc 2, -0.14% 3.74%
LoanDepot 3, -0.12% 3.98%
Lakeview Loan Servicing 4, -0.11% 0.96%
Capital Center 5, -0.11% 1.44%
Home Point Financial Corporation 6, -0.11% 0.75%
Prosperity Home Mortgage 7, -0.10% 4.66%
Wells Fargo Bank 8, -0.08% 2.60%
Pentagon Federal Credit Union 9, -0.08% 0.51%
North American Savings Bank 10, -0.06% 0.69%
ALCOVA Mortgage 11, -0.05% 1.41%
Tidewater Home Funding 12, -0.05% 0.93%
NBKC Bank 13, -0.04% 0.62%
Pennymac Loan Services 14, -0.04% 4.69%
Guaranteed Rate Inc 15, -0.04% 0.48%
Homespire Mortgage Corporation 16, -0.04% 0.10%
Virginia Credit Union 17, -0.04% 1.68%
Ameris Bank 18, -0.04% 0.21%
Magnolia Bank Incorporated 19, -0.03% 0.69%
Usaa Federal Savings Bank 20, -0.03% 6.96%
RoundPoint Mortgage Servicing Corporation 21, -0.03% 0.51%
Citizens Bank 22, -0.03% 0.21%
Truist Bank 23, -0.02% 0.21%
Assurance Financial Group 24, -0.02% 0.41%
Us Bank 25, -0.02% 0.07%
Fulton Bank 26, -0.02% 0.14%
Wyndham Capital Mortgage 27, -0.02% 0.07%
HomeBridge Financial Services, Inc 28, -0.02% 0.62%
Cardinal Financial Company LP 29, -0.02% 0.34%
Mason-McDuffie Mortgage Corporation 30, -0.01% 0.24%
Bank of America 31, -0.01% 0.07%
Geneva Financial 32, -0.01% 0.10%
New American Funding 33, -0.01% 0.38%
Movement Mortgage 34, -0.01% 2.67%
Village Bank Mortgage Corp 35, -0.01% 0.07%
JPMorgan Chase Bank 36, -0.01% 0.03%
Flagstar Bank 37, -0.01% 1.51%
TowneBank 38, -0.00% 1.03%
Fidelity Bank 39, 0.00% 0.14%
Atlantic Union Bank 40, 0.00% 0.14%
Guild Mortgage Company 41, 0.00% 0.34%
Call Federal CU 42, 0.01% 0.03%
Pnc Bank 43, 0.01% 0.07%
NFM, Inc 44, 0.01% 1.30%
Suntrust Banks, Inc 45, 0.01% 1.47%
Residential Mortgage Services 46, 0.01% 0.07%
Southern Trust Mortgage 47, 0.01% 1.82%
Ditech Financial 48, 0.01% 0.31%
Atlantic Coast Mortgage 49, 0.01% 0.17%
Amerisave Mortgage Corporation 50, 0.01% 0.69%
First Home Mortgage 51, 0.01% 0.31%
Reliance First Capital 52, 0.01% 0.24%
Atlantic Bay Mortgage Group 53, 0.01% 1.23%
M&T Bank 54, 0.01% 0.03%
Tidewater Mortgage Services Inc 55, 0.01% 0.69%
Primelending 56, 0.01% 1.17%
Stearns Lending 57, 0.01% 0.41%
Newrez 58, 0.01% 0.55%
Finance of America Mortgage 59, 0.01% 0.17%
Fairway Independent Mort Corp 60, 0.02% 0.89%
Homeside Financial 61, 0.02% 0.14%
Sierra Pacific Mortgage 62, 0.02% 0.41%
First Heritage Mortgage 63, 0.02% 0.34%
Member Advantage Mortgage 64, 0.03% 0.62%
McLean Mortgage Corporation 65, 0.03% 0.31%
Integrity Home Mortgage Corp 66, 0.03% 0.75%
Towne First Mortgage 67, 0.04% 1.30%
Embrace Home Loans, Inc 68, 0.05% 0.89%
JG Wentworth Home Lending 69, 0.05% 1.47%
George Mason Mortgage 70, 0.05% 2.43%
Synergy One Lending 71, 0.07% 0.34%
C&F Mortgage Corp 72, 0.07% 3.08%
First Federal Bank 73, 0.07% 0.55%
Nationwide Mortgage Bankers Inc 74, 0.08% 0.14%
Freedom Mortgage Corporation 75, 0.09% 3.84%
The Federal Savings Bank 76, 0.12% 2.91%
Nationstar Mortgage 77, 0.13% 1.37%
NVR Mortgage Finance Inc 78, 0.14% 2.19%
Carrington Mortgage Services 79, 0.18% 2.43%
Quicken Loans 80, 0.21% 7.16%
NewDay USA 81, 0.45% 2.09%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.26% 10.90%
Freedom Mortgage Corporation 2, -0.14% 2.48%
Wells Fargo Bank 3, -0.10% 4.24%
Caliber Home Loans Inc 4, -0.07% 2.48%
Pentagon Federal Credit Union 5, -0.06% 0.91%
Capital Center 6, -0.05% 1.24%
Prosperity Home Mortgage 7, -0.05% 6.53%
North American Savings Bank 8, -0.04% 0.85%
Pennymac Loan Services 9, -0.04% 0.78%
NBKC Bank 10, -0.03% 0.85%
Ameris Bank 11, -0.02% 0.26%
Truist Bank 12, -0.02% 0.26%
Homespire Mortgage Corporation 13, -0.01% 0.20%
Citizens Bank 14, -0.00% 0.33%
Usaa Federal Savings Bank 15, -0.00% 9.27%
Tidewater Home Funding 16, 0.00% 0.98%
Assurance Financial Group 17, 0.00% 0.59%
Fulton Bank 18, 0.00% 0.20%
First Federal Bank 19, 0.00% 0.07%
Home Point Financial Corporation 20, 0.01% 0.13%
Us Bank 21, 0.01% 0.13%
Mason-McDuffie Mortgage Corporation 22, 0.01% 0.39%
Guaranteed Rate Inc 23, 0.01% 0.39%
Newrez 24, 0.01% 0.52%
Bank of America 25, 0.02% 0.13%
Virginia Credit Union 26, 0.02% 1.70%
Amerisave Mortgage Corporation 27, 0.02% 0.13%
Village Bank Mortgage Corp 28, 0.02% 0.13%
JPMorgan Chase Bank 29, 0.02% 0.07%
Ditech Financial 30, 0.02% 0.07%
Residential Mortgage Services 31, 0.02% 0.07%
TowneBank 32, 0.02% 1.70%
Cardinal Financial Company LP 33, 0.03% 0.26%
Fidelity Bank 34, 0.03% 0.26%
Pnc Bank 35, 0.03% 0.07%
ALCOVA Mortgage 36, 0.03% 1.31%
Magnolia Bank Incorporated 37, 0.03% 0.07%
Guild Mortgage Company 38, 0.03% 0.59%
Call Federal CU 39, 0.03% 0.07%
Geneva Financial 40, 0.03% 0.07%
Atlantic Union Bank 41, 0.03% 0.20%
Atlantic Bay Mortgage Group 42, 0.03% 1.89%
NFM, Inc 43, 0.03% 2.28%
Atlantic Coast Mortgage 44, 0.04% 0.33%
M&T Bank 45, 0.04% 0.07%
First Home Mortgage 46, 0.04% 0.52%
The Federal Savings Bank 47, 0.04% 0.72%
Synergy One Lending 48, 0.04% 0.07%
New American Funding 49, 0.04% 0.13%
Suntrust Banks, Inc 50, 0.04% 1.89%
Primelending 51, 0.04% 1.89%
Tidewater Mortgage Services Inc 52, 0.04% 1.04%
NewDay USA 53, 0.05% 0.33%
Finance of America Mortgage 54, 0.05% 0.26%
Sierra Pacific Mortgage 55, 0.05% 0.72%
Homeside Financial 56, 0.05% 0.13%
Member Advantage Mortgage 57, 0.05% 0.46%
Stearns Lending 58, 0.05% 0.52%
First Heritage Mortgage 59, 0.05% 0.59%
McLean Mortgage Corporation 60, 0.06% 0.52%
Southern Trust Mortgage 61, 0.06% 2.61%
HomeBridge Financial Services, Inc 62, 0.06% 0.13%
Movement Mortgage 63, 0.07% 3.39%
Fairway Independent Mort Corp 64, 0.07% 1.04%
LoanDepot 65, 0.07% 1.04%
Towne First Mortgage 66, 0.08% 2.22%
Integrity Home Mortgage Corp 67, 0.08% 1.04%
George Mason Mortgage 68, 0.09% 4.11%
JG Wentworth Home Lending 69, 0.09% 1.70%
C&F Mortgage Corp 70, 0.09% 5.16%
Flagstar Bank 71, 0.10% 0.98%
Embrace Home Loans, Inc 72, 0.11% 1.04%
Nationwide Mortgage Bankers Inc 73, 0.11% 0.26%
Nationstar Mortgage 74, 0.14% 1.31%
Quicken Loans 75, 0.15% 2.61%
NVR Mortgage Finance Inc 76, 0.17% 4.18%
Carrington Mortgage Services 77, 0.25% 0.98%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.21% 3.17%
Caliber Home Loans Inc 2, -0.20% 5.12%
Prosperity Home Mortgage 3, -0.19% 2.60%
LoanDepot 4, -0.18% 7.22%
Capital Center 5, -0.17% 1.66%
Home Point Financial Corporation 6, -0.15% 1.44%
Lakeview Loan Servicing 7, -0.14% 2.02%
Movement Mortgage 8, -0.14% 1.88%
ALCOVA Mortgage 9, -0.13% 1.52%
Tidewater Home Funding 10, -0.10% 0.87%
Virginia Credit Union 11, -0.10% 1.66%
Southern Trust Mortgage 12, -0.10% 0.94%
Guaranteed Rate Inc 13, -0.09% 0.58%
Flagstar Bank 14, -0.08% 2.09%
Usaa Federal Savings Bank 15, -0.07% 4.40%
North American Savings Bank 16, -0.07% 0.51%
Pennymac Loan Services 17, -0.07% 9.02%
Magnolia Bank Incorporated 18, -0.06% 1.37%
RoundPoint Mortgage Servicing Corporation 19, -0.06% 1.08%
Integrity Home Mortgage Corp 20, -0.06% 0.43%
Cardinal Financial Company LP 21, -0.05% 0.43%
NBKC Bank 22, -0.05% 0.36%
Fairway Independent Mort Corp 23, -0.05% 0.72%
HomeBridge Financial Services, Inc 24, -0.05% 1.15%
Geneva Financial 25, -0.05% 0.14%
Towne First Mortgage 26, -0.05% 0.29%
Wyndham Capital Mortgage 27, -0.05% 0.14%
Assurance Financial Group 28, -0.04% 0.22%
Tidewater Mortgage Services Inc 29, -0.04% 0.29%
Citizens Bank 30, -0.04% 0.07%
Embrace Home Loans, Inc 31, -0.04% 0.72%
New American Funding 32, -0.04% 0.65%
Stearns Lending 33, -0.04% 0.29%
NFM, Inc 34, -0.04% 0.22%
Finance of America Mortgage 35, -0.04% 0.07%
Ameris Bank 36, -0.04% 0.14%
Suntrust Banks, Inc 37, -0.04% 1.01%
Guild Mortgage Company 38, -0.04% 0.07%
Fulton Bank 39, -0.04% 0.07%
Primelending 40, -0.04% 0.36%
McLean Mortgage Corporation 41, -0.04% 0.07%
Mason-McDuffie Mortgage Corporation 42, -0.04% 0.07%
Pentagon Federal Credit Union 43, -0.03% 0.07%
Atlantic Union Bank 44, -0.03% 0.07%
Sierra Pacific Mortgage 45, -0.03% 0.07%
First Home Mortgage 46, -0.03% 0.07%
First Heritage Mortgage 47, -0.03% 0.07%
TowneBank 48, -0.02% 0.29%
George Mason Mortgage 49, -0.02% 0.58%
Pnc Bank 50, -0.02% 0.07%
Homeside Financial 51, -0.02% 0.14%
Ditech Financial 52, -0.02% 0.58%
Reliance First Capital 53, -0.02% 0.51%
Truist Bank 54, -0.02% 0.14%
Amerisave Mortgage Corporation 55, -0.02% 1.30%
JG Wentworth Home Lending 56, -0.02% 1.23%
Residential Mortgage Services 57, -0.01% 0.07%
Member Advantage Mortgage 58, 0.00% 0.79%
Atlantic Bay Mortgage Group 59, 0.00% 0.51%
Newrez 60, 0.01% 0.58%
C&F Mortgage Corp 61, 0.02% 0.79%
Synergy One Lending 62, 0.04% 0.65%
First Federal Bank 63, 0.05% 1.08%
The Federal Savings Bank 64, 0.11% 5.34%
Nationstar Mortgage 65, 0.11% 1.44%
Wells Fargo Bank 66, 0.12% 0.79%
Carrington Mortgage Services 67, 0.14% 4.04%
Freedom Mortgage Corporation 68, 0.19% 5.34%
Quicken Loans 69, 0.20% 12.19%
NewDay USA 70, 0.46% 4.04%

* Data is compiled for the Richmond, VA commuting zone area, which comprises of counties of Amelia County, VA, Charles City County, VA, Chesterfield County, VA, Dinwiddie County, VA, Goochland County, VA, Hanover County, VA, Henrico County, VA, King and Queen County, VA, King William County, VA, New Kent County, VA, Powhatan County, VA, Prince George County, VA, Sussex County, VA, Colonial Heights city, VA, Hopewell city, VA, Petersburg city, VA, and Richmond city, VA. This includes cities/towns/communities of Richmond, VA as well as Mechanicsville, VA, Short Pump, VA, Tuckahoe, VA, Brandermill, VA, Chester, VA, Glen Allen, VA, Rockwood, VA, Meadowbrook, VA, Sandston, VA, Woodlake, VA, Laurel, VA, Bon Air, VA, Colonial Heights, VA, Hopewell, VA, Highland Springs, VA, Manchester, VA, Lakeside, VA, Central Garage, VA, Montrose, VA, Petersburg, VA, East Highland Park, VA, Chamberlayne, VA, New Kent, VA, Innsbrook, VA, Templeton, VA, Prince George, VA, Bellwood, VA, Matoaca, VA, Hanover, VA, Ashland, VA, Ettrick, VA, Amelia Court House, VA, Wyndham, VA, Goochland, VA, Dumbarton, VA, McKenney, VA, West Point, VA, Enon, VA, King William, VA, King and Queen Court House, VA, Charles City, VA, Bensley, VA, Stony Creek, VA, Sussex, VA, Wakefield, VA, Waverly, VA, and Fort Lee, VA. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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