Top Mortgage Lenders in the Front Royal, VA area

Which mortgage lender in the Front Royal, 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 Front Royal, 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 Front Royal, VA area is Apple Federal Credit Union, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.17%. This means that Apple Federal Credit Union provided a -0.17% lower interest rate for its customers than other lenders in Front Royal, VA for a similar set of borrowers. Apple Federal Credit Union has a market share of 2.0%. On the other hand, the most popular lender in the market is Integrity Home Mortgage Corp, with a market share of 12.8%. Integrity Home Mortgage Corp is an average rate lender in this area, with a “Rate Difference” of +0.03% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Front Royal, 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 Front Royal, VA is First Heritage Mortgage. 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 Navy Federal Credit Union. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is HomeAmerican Mortgage Corp. The cheapest VA mortgage provider is Navy Federal Credit Union. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Apple Federal Credit Union 1, -0.17% 2.00%
George Mason Mortgage 2, -0.15% 3.49%
First Heritage Mortgage 3, -0.15% 1.01%
Bank of America 4, -0.11% 0.91%
Atlantic Coast Mortgage 5, -0.10% 2.04%
McLean Mortgage Corporation 6, -0.09% 3.15%
Truist Bank 7, -0.05% 2.67%
Movement Mortgage 8, -0.05% 0.99%
Suntrust Banks, Inc 9, -0.04% 1.03%
ALCOVA Mortgage 10, -0.04% 2.19%
Usaa Federal Savings Bank 11, -0.04% 1.80%
Wells Fargo Bank 12, -0.03% 4.09%
Caliber Home Loans Inc 13, -0.03% 1.83%
Prosperity Home Mortgage 14, -0.03% 0.99%
Home Point Financial Corporation 15, -0.02% 1.25%
Shea Mortgage Inc 16, -0.02% 1.15%
Farmers & Merchants Bank 17, -0.02% 1.49%
LoanDepot 18, -0.02% 1.68%
Northwest Federal Credit Union 19, -0.01% 0.82%
Pennymac Loan Services 20, -0.01% 1.35%
Residential Mortgage Services 21, -0.01% 1.11%
Intercoastal Mortgage Company 22, -0.01% 1.08%
Newrez 23, -0.00% 0.75%
Atlantic Bay Mortgage Group 24, 0.01% 0.96%
CBM Mortgage, Inc 25, 0.01% 5.00%
Embrace Home Loans, Inc 26, 0.01% 1.06%
Freedom Mortgage Corporation 27, 0.02% 0.84%
Primelending 28, 0.02% 3.77%
Agfirst Farm Credit Bank 29, 0.02% 0.94%
Finance of America Mortgage 30, 0.02% 3.77%
HomeAmerican Mortgage Corp 31, 0.03% 1.18%
Fairway Independent Mort Corp 32, 0.03% 2.19%
Integrity Home Mortgage Corp 33, 0.03% 12.82%
NVR Mortgage Finance Inc 34, 0.04% 2.89%
Carrington Mortgage Services 35, 0.05% 1.23%
Navy Federal Credit Union 36, 0.05% 5.36%
Quicken Loans 37, 0.05% 12.31%
The Federal Savings Bank 38, 0.06% 0.75%
Ark-La-Tex Financial Services 39, 0.07% 1.64%
Homespire Mortgage Corporation 40, 0.09% 2.67%
Nationstar Mortgage 41, 0.14% 1.78%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
George Mason Mortgage 1, -0.18% 4.10%
Bank of America 2, -0.17% 0.94%
First Heritage Mortgage 3, -0.17% 1.40%
Wells Fargo Bank 4, -0.15% 4.02%
Apple Federal Credit Union 5, -0.12% 1.44%
Atlantic Coast Mortgage 6, -0.11% 2.85%
McLean Mortgage Corporation 7, -0.09% 4.33%
Suntrust Banks, Inc 8, -0.08% 0.82%
Movement Mortgage 9, -0.05% 1.29%
Truist Bank 10, -0.04% 1.72%
Northwest Federal Credit Union 11, -0.04% 0.66%
Usaa Federal Savings Bank 12, -0.03% 2.07%
Prosperity Home Mortgage 13, -0.03% 1.33%
Caliber Home Loans Inc 14, -0.03% 1.25%
Home Point Financial Corporation 15, -0.03% 1.05%
Farmers & Merchants Bank 16, -0.02% 1.79%
Shea Mortgage Inc 17, -0.02% 1.87%
Pennymac Loan Services 18, -0.01% 0.23%
Intercoastal Mortgage Company 19, -0.01% 1.33%
CBM Mortgage, Inc 20, -0.00% 6.32%
Residential Mortgage Services 21, -0.00% 1.17%
LoanDepot 22, -0.00% 0.23%
Atlantic Bay Mortgage Group 23, -0.00% 0.94%
Freedom Mortgage Corporation 24, 0.00% 0.59%
The Federal Savings Bank 25, 0.01% 0.20%
Newrez 26, 0.02% 0.43%
Embrace Home Loans, Inc 27, 0.02% 1.17%
ALCOVA Mortgage 28, 0.02% 1.72%
Primelending 29, 0.02% 4.64%
HomeAmerican Mortgage Corp 30, 0.03% 1.91%
Quicken Loans 31, 0.03% 4.84%
Agfirst Farm Credit Bank 32, 0.04% 0.70%
Finance of America Mortgage 33, 0.04% 4.25%
Fairway Independent Mort Corp 34, 0.05% 2.65%
NVR Mortgage Finance Inc 35, 0.05% 4.68%
Integrity Home Mortgage Corp 36, 0.05% 16.47%
Carrington Mortgage Services 37, 0.06% 0.86%
Nationstar Mortgage 38, 0.06% 0.59%
Ark-La-Tex Financial Services 39, 0.11% 1.95%
Homespire Mortgage Corporation 40, 0.11% 3.36%
Navy Federal Credit Union 41, 0.13% 5.85%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Apple Federal Credit Union 1, -0.23% 2.88%
Navy Federal Credit Union 2, -0.12% 4.57%
ALCOVA Mortgage 3, -0.09% 2.94%
McLean Mortgage Corporation 4, -0.07% 1.25%
Atlantic Coast Mortgage 5, -0.07% 0.75%
George Mason Mortgage 6, -0.06% 2.51%
Truist Bank 7, -0.06% 4.20%
Usaa Federal Savings Bank 8, -0.05% 1.38%
Caliber Home Loans Inc 9, -0.04% 2.76%
Ark-La-Tex Financial Services 10, -0.04% 1.13%
Integrity Home Mortgage Corp 11, -0.03% 6.95%
Residential Mortgage Services 12, -0.03% 1.00%
Movement Mortgage 13, -0.02% 0.50%
LoanDepot 14, -0.02% 4.01%
First Heritage Mortgage 15, -0.02% 0.38%
Newrez 16, -0.02% 1.25%
Home Point Financial Corporation 17, -0.02% 1.57%
Pennymac Loan Services 18, -0.02% 3.13%
Prosperity Home Mortgage 19, -0.01% 0.44%
Fairway Independent Mort Corp 20, -0.01% 1.44%
Farmers & Merchants Bank 21, -0.01% 1.00%
Bank of America 22, -0.00% 0.88%
Finance of America Mortgage 23, -0.00% 3.01%
Intercoastal Mortgage Company 24, -0.00% 0.69%
Suntrust Banks, Inc 25, 0.00% 1.38%
Embrace Home Loans, Inc 26, 0.00% 0.88%
Agfirst Farm Credit Bank 27, 0.00% 1.32%
Primelending 28, 0.01% 2.38%
Northwest Federal Credit Union 29, 0.01% 1.07%
Atlantic Bay Mortgage Group 30, 0.02% 1.00%
Homespire Mortgage Corporation 31, 0.02% 1.57%
Freedom Mortgage Corporation 32, 0.02% 1.25%
Carrington Mortgage Services 33, 0.03% 1.82%
Quicken Loans 34, 0.04% 24.31%
CBM Mortgage, Inc 35, 0.05% 2.88%
The Federal Savings Bank 36, 0.07% 1.63%
Wells Fargo Bank 37, 0.15% 4.20%
Nationstar Mortgage 38, 0.15% 3.70%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Heritage Mortgage 1, -0.19% 1.19%
George Mason Mortgage 2, -0.19% 3.93%
Apple Federal Credit Union 3, -0.18% 2.95%
Atlantic Coast Mortgage 4, -0.13% 2.16%
Bank of America 5, -0.12% 1.26%
McLean Mortgage Corporation 6, -0.12% 3.42%
Movement Mortgage 7, -0.07% 0.83%
Truist Bank 8, -0.06% 3.64%
ALCOVA Mortgage 9, -0.05% 2.27%
Suntrust Banks, Inc 10, -0.04% 1.40%
Prosperity Home Mortgage 11, -0.04% 1.08%
Wells Fargo Bank 12, -0.04% 5.66%
Finance of America Mortgage 13, -0.03% 2.99%
LoanDepot 14, -0.03% 1.69%
Shea Mortgage Inc 15, -0.02% 1.59%
Intercoastal Mortgage Company 16, -0.02% 1.04%
Residential Mortgage Services 17, -0.02% 1.30%
Usaa Federal Savings Bank 18, -0.02% 1.12%
Farmers & Merchants Bank 19, -0.02% 1.87%
Northwest Federal Credit Union 20, -0.01% 1.15%
CBM Mortgage, Inc 21, -0.01% 3.60%
Home Point Financial Corporation 22, -0.01% 0.68%
Caliber Home Loans Inc 23, -0.01% 1.22%
Newrez 24, -0.01% 0.79%
Primelending 25, 0.00% 3.42%
Pennymac Loan Services 26, 0.00% 0.68%
Atlantic Bay Mortgage Group 27, 0.01% 1.19%
Freedom Mortgage Corporation 28, 0.01% 0.50%
Agfirst Farm Credit Bank 29, 0.02% 1.40%
Embrace Home Loans, Inc 30, 0.02% 0.86%
Carrington Mortgage Services 31, 0.03% 0.54%
The Federal Savings Bank 32, 0.03% 0.32%
Fairway Independent Mort Corp 33, 0.03% 1.66%
Ark-La-Tex Financial Services 34, 0.04% 1.22%
NVR Mortgage Finance Inc 35, 0.05% 3.21%
Quicken Loans 36, 0.06% 14.01%
Integrity Home Mortgage Corp 37, 0.07% 12.07%
Homespire Mortgage Corporation 38, 0.07% 2.13%
HomeAmerican Mortgage Corp 39, 0.08% 1.08%
Navy Federal Credit Union 40, 0.14% 5.44%
Nationstar Mortgage 41, 0.20% 1.40%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
George Mason Mortgage 1, -0.25% 4.41%
First Heritage Mortgage 2, -0.20% 1.78%
Bank of America 3, -0.19% 1.35%
Wells Fargo Bank 4, -0.17% 5.51%
Atlantic Coast Mortgage 5, -0.14% 3.06%
McLean Mortgage Corporation 6, -0.12% 4.84%
Apple Federal Credit Union 7, -0.12% 2.20%
Suntrust Banks, Inc 8, -0.09% 1.10%
Movement Mortgage 9, -0.08% 1.16%
CBM Mortgage, Inc 10, -0.05% 4.16%
Truist Bank 11, -0.05% 2.45%
Northwest Federal Credit Union 12, -0.04% 0.98%
Prosperity Home Mortgage 13, -0.04% 1.47%
Pennymac Loan Services 14, -0.03% 0.18%
Finance of America Mortgage 15, -0.03% 3.61%
Caliber Home Loans Inc 16, -0.02% 1.10%
Intercoastal Mortgage Company 17, -0.02% 1.41%
Shea Mortgage Inc 18, -0.02% 2.69%
Farmers & Merchants Bank 19, -0.01% 2.20%
LoanDepot 20, -0.01% 0.12%
Home Point Financial Corporation 21, -0.01% 0.67%
Residential Mortgage Services 22, -0.01% 1.29%
Usaa Federal Savings Bank 23, -0.01% 1.41%
Primelending 24, -0.00% 4.10%
Freedom Mortgage Corporation 25, 0.00% 0.24%
Atlantic Bay Mortgage Group 26, 0.00% 1.29%
The Federal Savings Bank 27, 0.01% 0.12%
ALCOVA Mortgage 28, 0.02% 1.90%
Nationstar Mortgage 29, 0.02% 0.06%
Carrington Mortgage Services 30, 0.02% 0.18%
Embrace Home Loans, Inc 31, 0.03% 0.98%
Newrez 32, 0.03% 0.43%
Agfirst Farm Credit Bank 33, 0.04% 1.10%
Quicken Loans 34, 0.05% 5.57%
NVR Mortgage Finance Inc 35, 0.05% 5.45%
Fairway Independent Mort Corp 36, 0.05% 1.96%
Ark-La-Tex Financial Services 37, 0.08% 1.41%
HomeAmerican Mortgage Corp 38, 0.09% 1.84%
Homespire Mortgage Corporation 39, 0.09% 2.82%
Integrity Home Mortgage Corp 40, 0.11% 15.55%
Navy Federal Credit Union 41, 0.30% 5.82%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Apple Federal Credit Union 1, -0.23% 4.02%
Navy Federal Credit Union 2, -0.13% 4.90%
ALCOVA Mortgage 3, -0.12% 2.80%
McLean Mortgage Corporation 4, -0.09% 1.40%
Atlantic Coast Mortgage 5, -0.08% 0.87%
George Mason Mortgage 6, -0.07% 3.24%
Truist Bank 7, -0.07% 5.34%
Integrity Home Mortgage Corp 8, -0.05% 7.09%
Usaa Federal Savings Bank 9, -0.05% 0.70%
Ark-La-Tex Financial Services 10, -0.04% 0.96%
LoanDepot 11, -0.04% 3.94%
Residential Mortgage Services 12, -0.03% 1.31%
Newrez 13, -0.03% 1.31%
First Heritage Mortgage 14, -0.03% 0.35%
Movement Mortgage 15, -0.03% 0.35%
Finance of America Mortgage 16, -0.02% 2.10%
Intercoastal Mortgage Company 17, -0.02% 0.52%
Prosperity Home Mortgage 18, -0.02% 0.52%
Fairway Independent Mort Corp 19, -0.01% 1.22%
Home Point Financial Corporation 20, -0.01% 0.70%
Farmers & Merchants Bank 21, -0.01% 1.40%
Bank of America 22, -0.01% 1.14%
Suntrust Banks, Inc 23, -0.00% 1.84%
Agfirst Farm Credit Bank 24, 0.00% 1.84%
Pennymac Loan Services 25, 0.00% 1.40%
Caliber Home Loans Inc 26, 0.00% 1.40%
Embrace Home Loans, Inc 27, 0.01% 0.70%
Northwest Federal Credit Union 28, 0.01% 1.40%
Freedom Mortgage Corporation 29, 0.01% 0.87%
Primelending 30, 0.02% 2.45%
Atlantic Bay Mortgage Group 31, 0.02% 1.05%
Carrington Mortgage Services 32, 0.02% 1.05%
Homespire Mortgage Corporation 33, 0.03% 1.14%
The Federal Savings Bank 34, 0.03% 0.61%
Quicken Loans 35, 0.06% 26.07%
CBM Mortgage, Inc 36, 0.08% 2.80%
Wells Fargo Bank 37, 0.15% 5.86%
Nationstar Mortgage 38, 0.20% 3.32%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
HomeAmerican Mortgage Corp 1, -0.11% 0.98%
George Mason Mortgage 2, -0.10% 3.05%
Integrity Home Mortgage Corp 3, -0.06% 16.61%
Caliber Home Loans Inc 4, -0.05% 2.56%
Home Point Financial Corporation 5, -0.05% 2.32%
Atlantic Coast Mortgage 6, -0.04% 1.83%
McLean Mortgage Corporation 7, -0.04% 2.93%
Quicken Loans 8, -0.04% 9.89%
Farmers & Merchants Bank 9, -0.03% 1.10%
ALCOVA Mortgage 10, -0.03% 2.56%
Movement Mortgage 11, -0.03% 1.47%
Navy Federal Credit Union 12, -0.03% 0.49%
Embrace Home Loans, Inc 13, -0.02% 1.59%
First Heritage Mortgage 14, -0.02% 0.37%
Atlantic Bay Mortgage Group 15, -0.02% 0.73%
Pennymac Loan Services 16, -0.01% 1.59%
Prosperity Home Mortgage 17, -0.00% 0.37%
Newrez 18, -0.00% 0.73%
The Federal Savings Bank 19, 0.00% 0.24%
CBM Mortgage, Inc 20, 0.01% 11.11%
Freedom Mortgage Corporation 21, 0.01% 1.71%
LoanDepot 22, 0.01% 1.22%
NVR Mortgage Finance Inc 23, 0.02% 3.30%
Primelending 24, 0.02% 5.37%
Residential Mortgage Services 25, 0.02% 0.73%
Fairway Independent Mort Corp 26, 0.03% 3.54%
Wells Fargo Bank 27, 0.04% 0.24%
Intercoastal Mortgage Company 28, 0.04% 1.22%
Carrington Mortgage Services 29, 0.04% 3.17%
Nationstar Mortgage 30, 0.07% 3.17%
Finance of America Mortgage 31, 0.11% 6.23%
Homespire Mortgage Corporation 32, 0.13% 5.01%
Ark-La-Tex Financial Services 33, 0.16% 2.56%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
HomeAmerican Mortgage Corp 1, -0.11% 1.34%
George Mason Mortgage 2, -0.11% 4.01%
Integrity Home Mortgage Corp 3, -0.07% 20.23%
Caliber Home Loans Inc 4, -0.06% 1.84%
Home Point Financial Corporation 5, -0.05% 2.17%
Quicken Loans 6, -0.05% 3.18%
Atlantic Coast Mortgage 7, -0.04% 2.51%
McLean Mortgage Corporation 8, -0.04% 3.85%
Farmers & Merchants Bank 9, -0.04% 1.51%
Embrace Home Loans, Inc 10, -0.03% 1.67%
Navy Federal Credit Union 11, -0.03% 0.50%
Movement Mortgage 12, -0.03% 2.01%
First Heritage Mortgage 13, -0.02% 0.50%
Atlantic Bay Mortgage Group 14, -0.02% 0.50%
Newrez 15, -0.01% 0.33%
LoanDepot 16, -0.01% 0.33%
Freedom Mortgage Corporation 17, -0.01% 1.34%
Prosperity Home Mortgage 18, -0.00% 0.33%
The Federal Savings Bank 19, -0.00% 0.33%
CBM Mortgage, Inc 20, 0.01% 13.21%
NVR Mortgage Finance Inc 21, 0.01% 4.52%
ALCOVA Mortgage 22, 0.01% 1.84%
Primelending 23, 0.02% 6.35%
Residential Mortgage Services 24, 0.02% 0.84%
Wells Fargo Bank 25, 0.03% 0.33%
Fairway Independent Mort Corp 26, 0.04% 3.85%
Carrington Mortgage Services 27, 0.04% 2.34%
Intercoastal Mortgage Company 28, 0.05% 1.00%
Nationstar Mortgage 29, 0.08% 1.51%
Finance of America Mortgage 30, 0.13% 6.19%
Homespire Mortgage Corporation 31, 0.14% 6.02%
Ark-La-Tex Financial Services 32, 0.15% 3.51%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
ALCOVA Mortgage 1, -0.07% 4.52%
Caliber Home Loans Inc 2, -0.03% 4.52%
Home Point Financial Corporation 3, -0.03% 2.71%
Quicken Loans 4, -0.02% 28.05%
Fairway Independent Mort Corp 5, -0.02% 2.71%
CBM Mortgage, Inc 6, -0.02% 5.43%
Primelending 7, -0.02% 2.71%
Atlantic Bay Mortgage Group 8, -0.02% 1.36%
Navy Federal Credit Union 9, -0.01% 0.45%
Integrity Home Mortgage Corp 10, -0.01% 6.79%
Prosperity Home Mortgage 11, -0.01% 0.45%
McLean Mortgage Corporation 12, -0.00% 0.45%
Pennymac Loan Services 13, -0.00% 5.88%
George Mason Mortgage 14, -0.00% 0.45%
Residential Mortgage Services 15, 0.00% 0.45%
Newrez 16, 0.01% 1.81%
Embrace Home Loans, Inc 17, 0.02% 1.36%
LoanDepot 18, 0.02% 3.62%
Freedom Mortgage Corporation 19, 0.03% 2.71%
Intercoastal Mortgage Company 20, 0.03% 1.81%
Homespire Mortgage Corporation 21, 0.03% 2.26%
Carrington Mortgage Services 22, 0.05% 5.43%
Finance of America Mortgage 23, 0.06% 6.33%
Nationstar Mortgage 24, 0.08% 7.69%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.01% 18.52%
Suntrust Banks, Inc 2, -0.01% 7.41%
Apple Federal Credit Union 3, -0.01% 3.70%
Bank of America 4, -0.01% 11.11%
Northwest Federal Credit Union 5, -0.00% 7.41%
Quicken Loans 6, -0.00% 3.70%
Fairway Independent Mort Corp 7, 0.00% 3.70%
Finance of America Mortgage 8, 0.00% 3.70%
Residential Mortgage Services 9, 0.00% 7.41%
Truist Bank 10, 0.01% 29.63%
Wells Fargo Bank 11, 0.02% 3.70%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.01% 22.22%
Suntrust Banks, Inc 2, -0.01% 5.56%
Apple Federal Credit Union 3, -0.00% 5.56%
Bank of America 4, -0.00% 11.11%
Northwest Federal Credit Union 5, -0.00% 5.56%
Quicken Loans 6, 0.00% 5.56%
Truist Bank 7, 0.00% 16.67%
Fairway Independent Mort Corp 8, 0.01% 5.56%
Finance of America Mortgage 9, 0.01% 5.56%
Residential Mortgage Services 10, 0.01% 11.11%
Wells Fargo Bank 11, 0.02% 5.56%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Suntrust Banks, Inc 1, -0.01% 11.11%
Bank of America 2, -0.01% 11.11%
Northwest Federal Credit Union 3, -0.01% 11.11%
Navy Federal Credit Union 4, -0.00% 11.11%
Truist Bank 5, 0.01% 55.56%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.16% 11.73%
Caliber Home Loans Inc 2, -0.05% 3.91%
Usaa Federal Savings Bank 3, -0.04% 8.19%
Pennymac Loan Services 4, -0.02% 4.47%
HomeAmerican Mortgage Corp 5, -0.01% 2.05%
Wells Fargo Bank 6, -0.01% 1.86%
Atlantic Coast Mortgage 7, -0.01% 1.86%
Intercoastal Mortgage Company 8, -0.01% 1.12%
Home Point Financial Corporation 9, -0.00% 2.61%
Ark-La-Tex Financial Services 10, -0.00% 2.42%
Movement Mortgage 11, -0.00% 1.12%
Homespire Mortgage Corporation 12, 0.00% 2.05%
Newrez 13, 0.01% 0.56%
Residential Mortgage Services 14, 0.01% 0.37%
Suntrust Banks, Inc 15, 0.01% 0.37%
First Heritage Mortgage 16, 0.01% 1.12%
LoanDepot 17, 0.01% 2.42%
Truist Bank 18, 0.02% 0.37%
Prosperity Home Mortgage 19, 0.02% 1.49%
Farmers & Merchants Bank 20, 0.02% 0.19%
Shea Mortgage Inc 21, 0.02% 0.74%
Finance of America Mortgage 22, 0.02% 4.10%
McLean Mortgage Corporation 23, 0.02% 2.23%
Freedom Mortgage Corporation 24, 0.02% 1.30%
Fairway Independent Mort Corp 25, 0.03% 2.79%
ALCOVA Mortgage 26, 0.03% 1.30%
Atlantic Bay Mortgage Group 27, 0.03% 0.19%
Integrity Home Mortgage Corp 28, 0.03% 11.55%
Nationstar Mortgage 29, 0.04% 1.68%
Embrace Home Loans, Inc 30, 0.04% 1.30%
Quicken Loans 31, 0.04% 7.64%
NVR Mortgage Finance Inc 32, 0.05% 0.74%
George Mason Mortgage 33, 0.07% 2.05%
Carrington Mortgage Services 34, 0.07% 1.86%
CBM Mortgage, Inc 35, 0.09% 3.17%
Primelending 36, 0.09% 3.35%
The Federal Savings Bank 37, 0.10% 3.72%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.18% 15.29%
Usaa Federal Savings Bank 2, -0.03% 9.55%
HomeAmerican Mortgage Corp 3, -0.01% 3.50%
Atlantic Coast Mortgage 4, -0.01% 2.55%
Intercoastal Mortgage Company 5, -0.00% 1.59%
Wells Fargo Bank 6, -0.00% 3.18%
Newrez 7, 0.00% 0.64%
Home Point Financial Corporation 8, 0.00% 0.96%
Movement Mortgage 9, 0.01% 0.64%
Freedom Mortgage Corporation 10, 0.01% 0.96%
LoanDepot 11, 0.02% 0.64%
Residential Mortgage Services 12, 0.02% 0.64%
Homespire Mortgage Corporation 13, 0.02% 1.27%
Truist Bank 14, 0.02% 0.32%
Suntrust Banks, Inc 15, 0.02% 0.64%
Ark-La-Tex Financial Services 16, 0.02% 1.91%
First Heritage Mortgage 17, 0.02% 1.27%
Prosperity Home Mortgage 18, 0.02% 2.55%
The Federal Savings Bank 19, 0.02% 0.32%
Farmers & Merchants Bank 20, 0.03% 0.32%
Pennymac Loan Services 21, 0.03% 0.96%
Nationstar Mortgage 22, 0.03% 1.59%
Shea Mortgage Inc 23, 0.03% 1.27%
Integrity Home Mortgage Corp 24, 0.03% 14.97%
Fairway Independent Mort Corp 25, 0.04% 3.82%
McLean Mortgage Corporation 26, 0.04% 2.87%
ALCOVA Mortgage 27, 0.04% 0.64%
Quicken Loans 28, 0.04% 4.14%
Caliber Home Loans Inc 29, 0.05% 0.96%
Finance of America Mortgage 30, 0.06% 3.82%
NVR Mortgage Finance Inc 31, 0.06% 1.27%
Embrace Home Loans, Inc 32, 0.08% 1.27%
George Mason Mortgage 33, 0.08% 2.87%
CBM Mortgage, Inc 34, 0.10% 4.78%
Carrington Mortgage Services 35, 0.11% 1.59%
Primelending 36, 0.12% 4.46%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.08% 8.07%
Navy Federal Credit Union 2, -0.07% 6.73%
Usaa Federal Savings Bank 3, -0.04% 6.28%
Pennymac Loan Services 4, -0.03% 9.42%
Ark-La-Tex Financial Services 5, -0.03% 3.14%
Finance of America Mortgage 6, -0.02% 4.48%
Movement Mortgage 7, -0.01% 1.79%
Home Point Financial Corporation 8, -0.01% 4.93%
Embrace Home Loans, Inc 9, -0.01% 1.35%
Homespire Mortgage Corporation 10, -0.01% 3.14%
Intercoastal Mortgage Company 11, -0.00% 0.45%
First Heritage Mortgage 12, 0.00% 0.90%
McLean Mortgage Corporation 13, 0.00% 1.35%
Atlantic Coast Mortgage 14, 0.00% 0.90%
George Mason Mortgage 15, 0.00% 0.90%
LoanDepot 16, 0.01% 4.93%
Fairway Independent Mort Corp 17, 0.01% 1.35%
Truist Bank 18, 0.01% 0.45%
Newrez 19, 0.01% 0.45%
ALCOVA Mortgage 20, 0.01% 2.24%
Primelending 21, 0.02% 1.79%
CBM Mortgage, Inc 22, 0.02% 0.90%
Atlantic Bay Mortgage Group 23, 0.02% 0.45%
Carrington Mortgage Services 24, 0.03% 2.24%
Freedom Mortgage Corporation 25, 0.03% 1.79%
Quicken Loans 26, 0.04% 12.56%
Integrity Home Mortgage Corp 27, 0.05% 6.73%
Nationstar Mortgage 28, 0.06% 1.79%
The Federal Savings Bank 29, 0.09% 8.52%

* Data is compiled for the Front Royal, VA commuting zone area, which comprises of counties of Clarke County, VA, Frederick County, VA, Shenandoah County, VA, Warren County, VA, Winchester city, VA, and Hampshire County, WV. This includes cities/towns/communities of Front Royal, VA as well as Winchester, VA, Shenandoah Farms, VA, Strasburg, VA, Shawneeland, VA, Lake Holiday, VA, Berryville, VA, Woodstock, VA, Capon Bridge, WV, Stephens City, VA, Basye, VA, Shenandoah Retreat, VA, Maurertown, VA, Middletown, VA, New Market, VA, Boyce, VA, Mount Jackson, VA, Edinburg, VA, Romney, WV, and Springfield, WV. 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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