Top Mortgage Lenders in Culpeper, VA

Which mortgage lender in the Culpeper, 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 Culpeper, 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 Culpeper, VA area is Capital Center, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.16%. This means that Capital Center provided a -0.16% lower interest rate for its customers than other lenders in Culpeper, VA for a similar set of borrowers. Capital Center has a market share of 1.4%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 11.2%. Quicken Loans is an average rate lender in this area, with a “Rate Difference” of +0.10% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Culpeper, 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 Culpeper, VA is Capital Center. 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 Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Freedom Mortgage Corporation. 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.

Ranking of Mortgage Lenders in Culpeper, VA

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Capital Center 1, -0.16% 1.42%
Virginia Credit Union 2, -0.13% 1.15%
Bank of America 3, -0.12% 2.36%
Truist Bank 4, -0.11% 3.21%
Atlantic Coast Mortgage 5, -0.09% 4.83%
First Heritage Mortgage 6, -0.08% 7.78%
Us Bank 7, -0.05% 2.90%
Fulton Bank 8, -0.04% 2.15%
Residential Mortgage Services 9, -0.04% 0.92%
Waterstone Mortgage Corp 10, -0.03% 3.00%
JPMorgan Chase Bank 11, -0.03% 0.93%
McLean Mortgage Corporation 12, -0.03% 1.23%
Prosperity Home Mortgage 13, -0.02% 2.15%
George Mason Mortgage 14, -0.02% 2.24%
C&F Mortgage Corp 15, -0.02% 1.54%
Atlantic Bay Mortgage Group 16, -0.02% 1.28%
Wells Fargo Bank 17, -0.02% 5.03%
Citizens Bank 18, -0.02% 0.62%
Pennymac Loan Services 19, -0.01% 1.39%
Suntrust Banks, Inc 20, -0.01% 2.37%
Caliber Home Loans Inc 21, -0.00% 1.38%
Guaranteed Rate Inc 22, -0.00% 0.97%
LoanDepot 23, 0.00% 1.95%
Freedom Mortgage Corporation 24, 0.01% 0.98%
Towne First Mortgage 25, 0.01% 1.13%
JG Wentworth Home Lending 26, 0.01% 0.59%
Finance of America Mortgage 27, 0.01% 1.83%
Movement Mortgage 28, 0.01% 5.21%
Fairway Independent Mort Corp 29, 0.01% 0.61%
Cardinal Financial Company LP 30, 0.01% 0.57%
Usaa Federal Savings Bank 31, 0.02% 2.42%
UVA Community Credit Union Inc 32, 0.03% 2.16%
First Community Mortgage Inc 33, 0.03% 0.51%
Integrity Home Mortgage Corp 34, 0.03% 1.52%
Carrington Mortgage Services 35, 0.03% 0.79%
Flagstar Bank 36, 0.03% 0.52%
Newrez 37, 0.04% 0.75%
Navy Federal Credit Union 38, 0.04% 3.23%
NFM, Inc 39, 0.05% 2.52%
Embrace Home Loans, Inc 40, 0.06% 1.70%
CBM Mortgage, Inc 41, 0.06% 0.88%
ALCOVA Mortgage 42, 0.06% 1.05%
The Federal Savings Bank 43, 0.08% 1.13%
Atlantic Union Bank 44, 0.08% 0.98%
Quicken Loans 45, 0.10% 11.20%
Nationstar Mortgage 46, 0.13% 1.59%
NVR Mortgage Finance Inc 47, 0.14% 3.34%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Virginia Credit Union 1, -0.17% 1.17%
Bank of America 2, -0.14% 2.34%
Truist Bank 3, -0.12% 2.77%
Atlantic Coast Mortgage 4, -0.08% 6.33%
Wells Fargo Bank 5, -0.08% 4.57%
Waterstone Mortgage Corp 6, -0.07% 3.51%
Capital Center 7, -0.07% 0.82%
Us Bank 8, -0.06% 2.56%
First Heritage Mortgage 9, -0.05% 9.76%
JPMorgan Chase Bank 10, -0.03% 0.82%
Fulton Bank 11, -0.03% 2.64%
George Mason Mortgage 12, -0.02% 2.88%
McLean Mortgage Corporation 13, -0.02% 1.55%
Residential Mortgage Services 14, -0.02% 1.11%
Freedom Mortgage Corporation 15, -0.02% 0.92%
Prosperity Home Mortgage 16, -0.01% 3.23%
Suntrust Banks, Inc 17, -0.01% 2.17%
Atlantic Bay Mortgage Group 18, -0.01% 1.79%
Citizens Bank 19, -0.00% 0.68%
Guaranteed Rate Inc 20, 0.00% 0.98%
JG Wentworth Home Lending 21, 0.01% 0.38%
C&F Mortgage Corp 22, 0.01% 1.47%
LoanDepot 23, 0.02% 0.82%
Towne First Mortgage 24, 0.02% 1.69%
UVA Community Credit Union Inc 25, 0.02% 0.49%
Fairway Independent Mort Corp 26, 0.02% 0.76%
Finance of America Mortgage 27, 0.02% 2.39%
Pennymac Loan Services 28, 0.03% 0.22%
Movement Mortgage 29, 0.03% 7.47%
Atlantic Union Bank 30, 0.03% 0.54%
Caliber Home Loans Inc 31, 0.03% 1.25%
Cardinal Financial Company LP 32, 0.04% 0.49%
First Community Mortgage Inc 33, 0.04% 0.63%
Carrington Mortgage Services 34, 0.04% 0.30%
Newrez 35, 0.04% 0.54%
Integrity Home Mortgage Corp 36, 0.05% 2.07%
The Federal Savings Bank 37, 0.06% 0.43%
Navy Federal Credit Union 38, 0.06% 4.16%
Usaa Federal Savings Bank 39, 0.06% 2.91%
NFM, Inc 40, 0.06% 3.18%
Nationstar Mortgage 41, 0.08% 0.79%
Embrace Home Loans, Inc 42, 0.09% 1.85%
CBM Mortgage, Inc 43, 0.09% 1.01%
Quicken Loans 44, 0.10% 4.57%
Flagstar Bank 45, 0.10% 0.43%
ALCOVA Mortgage 46, 0.11% 1.03%
NVR Mortgage Finance Inc 47, 0.15% 5.54%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Capital Center 1, -0.22% 2.35%
First Heritage Mortgage 2, -0.15% 4.78%
Truist Bank 3, -0.10% 3.87%
Atlantic Coast Mortgage 4, -0.09% 2.55%
Bank of America 5, -0.08% 2.39%
Virginia Credit Union 6, -0.07% 1.11%
C&F Mortgage Corp 7, -0.06% 1.65%
Residential Mortgage Services 8, -0.06% 0.62%
Usaa Federal Savings Bank 9, -0.05% 1.69%
Caliber Home Loans Inc 10, -0.05% 1.57%
Fulton Bank 11, -0.05% 1.40%
Us Bank 12, -0.05% 3.42%
JPMorgan Chase Bank 13, -0.04% 1.11%
Flagstar Bank 14, -0.04% 0.66%
Pennymac Loan Services 15, -0.03% 3.17%
Citizens Bank 16, -0.03% 0.54%
Movement Mortgage 17, -0.03% 1.77%
McLean Mortgage Corporation 18, -0.03% 0.74%
Cardinal Financial Company LP 19, -0.02% 0.70%
Finance of America Mortgage 20, -0.02% 0.99%
LoanDepot 21, -0.02% 3.67%
ALCOVA Mortgage 22, -0.01% 1.07%
Integrity Home Mortgage Corp 23, -0.01% 0.70%
Guaranteed Rate Inc 24, -0.01% 0.95%
Suntrust Banks, Inc 25, -0.01% 2.68%
JG Wentworth Home Lending 26, -0.01% 0.91%
Fairway Independent Mort Corp 27, -0.00% 0.37%
Prosperity Home Mortgage 28, -0.00% 0.49%
CBM Mortgage, Inc 29, 0.00% 0.70%
Towne First Mortgage 30, 0.01% 0.29%
UVA Community Credit Union Inc 31, 0.01% 4.70%
First Community Mortgage Inc 32, 0.01% 0.33%
Embrace Home Loans, Inc 33, 0.01% 1.48%
George Mason Mortgage 34, 0.01% 1.28%
Atlantic Bay Mortgage Group 35, 0.01% 0.49%
Carrington Mortgage Services 36, 0.01% 1.52%
Newrez 37, 0.02% 1.07%
Navy Federal Credit Union 38, 0.02% 1.81%
NFM, Inc 39, 0.03% 1.52%
Freedom Mortgage Corporation 40, 0.03% 1.07%
Wells Fargo Bank 41, 0.05% 5.72%
The Federal Savings Bank 42, 0.06% 2.18%
Waterstone Mortgage Corp 43, 0.07% 2.22%
Quicken Loans 44, 0.08% 21.25%
Atlantic Union Bank 45, 0.09% 1.65%
Nationstar Mortgage 46, 0.13% 2.80%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Capital Center 1, -0.16% 1.88%
Virginia Credit Union 2, -0.15% 1.37%
Bank of America 3, -0.13% 2.77%
Atlantic Coast Mortgage 4, -0.13% 4.69%
Waterstone Mortgage Corp 5, -0.12% 2.65%
Truist Bank 6, -0.12% 3.95%
First Heritage Mortgage 7, -0.10% 8.74%
Us Bank 8, -0.06% 3.37%
Fulton Bank 9, -0.04% 2.42%
McLean Mortgage Corporation 10, -0.04% 1.09%
JPMorgan Chase Bank 11, -0.04% 1.05%
Residential Mortgage Services 12, -0.04% 1.00%
Finance of America Mortgage 13, -0.02% 1.67%
George Mason Mortgage 14, -0.02% 2.42%
Prosperity Home Mortgage 15, -0.02% 2.09%
C&F Mortgage Corp 16, -0.02% 1.56%
Atlantic Bay Mortgage Group 17, -0.01% 1.00%
Citizens Bank 18, -0.01% 0.79%
Wells Fargo Bank 19, -0.01% 6.20%
Suntrust Banks, Inc 20, -0.01% 2.74%
Guaranteed Rate Inc 21, -0.00% 0.81%
Cardinal Financial Company LP 22, 0.00% 0.53%
Fairway Independent Mort Corp 23, 0.00% 0.42%
LoanDepot 24, 0.01% 1.63%
Movement Mortgage 25, 0.01% 5.21%
Towne First Mortgage 26, 0.01% 1.35%
Flagstar Bank 27, 0.01% 0.26%
JG Wentworth Home Lending 28, 0.02% 0.65%
Pennymac Loan Services 29, 0.02% 0.65%
Caliber Home Loans Inc 30, 0.03% 0.95%
UVA Community Credit Union Inc 31, 0.03% 3.00%
First Community Mortgage Inc 32, 0.04% 0.63%
Freedom Mortgage Corporation 33, 0.05% 0.56%
Integrity Home Mortgage Corp 34, 0.05% 1.16%
Carrington Mortgage Services 35, 0.05% 0.33%
CBM Mortgage, Inc 36, 0.05% 0.77%
Usaa Federal Savings Bank 37, 0.06% 1.42%
Newrez 38, 0.06% 0.72%
NFM, Inc 39, 0.07% 2.21%
Embrace Home Loans, Inc 40, 0.08% 1.25%
The Federal Savings Bank 41, 0.09% 0.81%
ALCOVA Mortgage 42, 0.10% 0.95%
Atlantic Union Bank 43, 0.10% 1.16%
Quicken Loans 44, 0.13% 12.74%
Nationstar Mortgage 45, 0.17% 0.95%
Navy Federal Credit Union 46, 0.18% 2.51%
NVR Mortgage Finance Inc 47, 0.18% 2.93%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Waterstone Mortgage Corp 1, -0.23% 2.93%
Virginia Credit Union 2, -0.17% 1.53%
Bank of America 3, -0.15% 2.93%
Atlantic Coast Mortgage 4, -0.13% 6.23%
Truist Bank 5, -0.13% 3.54%
Us Bank 6, -0.07% 3.09%
Wells Fargo Bank 7, -0.07% 5.87%
Capital Center 8, -0.06% 1.09%
First Heritage Mortgage 9, -0.06% 11.09%
JPMorgan Chase Bank 10, -0.04% 0.88%
McLean Mortgage Corporation 11, -0.03% 1.41%
Fulton Bank 12, -0.03% 2.97%
George Mason Mortgage 13, -0.02% 3.01%
Residential Mortgage Services 14, -0.01% 1.13%
Suntrust Banks, Inc 15, -0.01% 2.37%
Finance of America Mortgage 16, -0.01% 2.05%
Atlantic Bay Mortgage Group 17, -0.01% 1.33%
Guaranteed Rate Inc 18, -0.00% 0.96%
Prosperity Home Mortgage 19, 0.00% 3.30%
Citizens Bank 20, 0.01% 0.92%
LoanDepot 21, 0.01% 0.88%
Fairway Independent Mort Corp 22, 0.02% 0.56%
JG Wentworth Home Lending 23, 0.03% 0.40%
Towne First Mortgage 24, 0.03% 2.09%
UVA Community Credit Union Inc 25, 0.03% 0.68%
Movement Mortgage 26, 0.03% 7.76%
Flagstar Bank 27, 0.04% 0.16%
C&F Mortgage Corp 28, 0.04% 1.29%
Atlantic Union Bank 29, 0.04% 0.56%
Cardinal Financial Company LP 30, 0.05% 0.52%
Carrington Mortgage Services 31, 0.05% 0.08%
Pennymac Loan Services 32, 0.05% 0.20%
The Federal Savings Bank 33, 0.06% 0.28%
First Community Mortgage Inc 34, 0.07% 0.76%
Caliber Home Loans Inc 35, 0.07% 1.05%
Integrity Home Mortgage Corp 36, 0.08% 1.57%
Freedom Mortgage Corporation 37, 0.09% 0.48%
CBM Mortgage, Inc 38, 0.09% 0.72%
NFM, Inc 39, 0.09% 2.85%
Newrez 40, 0.10% 0.36%
Usaa Federal Savings Bank 41, 0.11% 1.81%
Nationstar Mortgage 42, 0.11% 0.36%
Embrace Home Loans, Inc 43, 0.12% 1.37%
Quicken Loans 44, 0.14% 5.14%
ALCOVA Mortgage 45, 0.15% 1.09%
NVR Mortgage Finance Inc 46, 0.20% 5.06%
Navy Federal Credit Union 47, 0.22% 3.26%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Capital Center 1, -0.24% 2.98%
First Heritage Mortgage 2, -0.17% 5.51%
Truist Bank 3, -0.11% 4.52%
Atlantic Coast Mortgage 4, -0.11% 2.59%
Bank of America 5, -0.10% 2.53%
Virginia Credit Union 6, -0.10% 1.16%
C&F Mortgage Corp 7, -0.08% 1.93%
Residential Mortgage Services 8, -0.06% 0.83%
Cardinal Financial Company LP 9, -0.06% 0.55%
Us Bank 10, -0.05% 3.75%
Fulton Bank 11, -0.05% 1.65%
JPMorgan Chase Bank 12, -0.05% 1.27%
Caliber Home Loans Inc 13, -0.04% 0.83%
McLean Mortgage Corporation 14, -0.04% 0.66%
Movement Mortgage 15, -0.04% 1.71%
Citizens Bank 16, -0.04% 0.61%
Usaa Federal Savings Bank 17, -0.04% 0.88%
Finance of America Mortgage 18, -0.03% 1.16%
Flagstar Bank 19, -0.02% 0.39%
LoanDepot 20, -0.02% 2.64%
Pennymac Loan Services 21, -0.02% 1.27%
Integrity Home Mortgage Corp 22, -0.01% 0.61%
Suntrust Banks, Inc 23, -0.01% 3.25%
JG Wentworth Home Lending 24, -0.01% 0.99%
Fairway Independent Mort Corp 25, -0.01% 0.22%
Freedom Mortgage Corporation 26, -0.01% 0.66%
Prosperity Home Mortgage 27, -0.00% 0.44%
CBM Mortgage, Inc 28, -0.00% 0.83%
UVA Community Credit Union Inc 29, 0.00% 6.17%
First Community Mortgage Inc 30, 0.00% 0.44%
Towne First Mortgage 31, 0.00% 0.33%
George Mason Mortgage 32, 0.00% 1.60%
ALCOVA Mortgage 33, 0.01% 0.77%
Atlantic Bay Mortgage Group 34, 0.01% 0.55%
Guaranteed Rate Inc 35, 0.01% 0.61%
Embrace Home Loans, Inc 36, 0.02% 1.10%
Carrington Mortgage Services 37, 0.02% 0.66%
Newrez 38, 0.02% 1.21%
NFM, Inc 39, 0.04% 1.32%
Wells Fargo Bank 40, 0.06% 6.67%
Navy Federal Credit Union 41, 0.07% 1.49%
The Federal Savings Bank 42, 0.08% 1.54%
Waterstone Mortgage Corp 43, 0.09% 2.26%
Atlantic Union Bank 44, 0.10% 1.98%
Quicken Loans 45, 0.10% 23.14%
Nationstar Mortgage 46, 0.16% 1.76%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Freedom Mortgage Corporation 1, -0.08% 2.66%
Prosperity Home Mortgage 2, -0.06% 2.89%
First Community Mortgage Inc 3, -0.06% 0.46%
Caliber Home Loans Inc 4, -0.05% 2.20%
Residential Mortgage Services 5, -0.05% 0.92%
Bank of America 6, -0.05% 0.58%
Atlantic Bay Mortgage Group 7, -0.05% 2.08%
Quicken Loans 8, -0.05% 9.60%
Capital Center 9, -0.05% 0.46%
George Mason Mortgage 10, -0.05% 2.77%
Carrington Mortgage Services 11, -0.04% 2.31%
C&F Mortgage Corp 12, -0.04% 2.43%
Atlantic Coast Mortgage 13, -0.04% 5.43%
Truist Bank 14, -0.03% 0.35%
Virginia Credit Union 15, -0.03% 0.92%
Integrity Home Mortgage Corp 16, -0.03% 3.12%
JG Wentworth Home Lending 17, -0.03% 0.58%
Navy Federal Credit Union 18, -0.02% 0.23%
Fulton Bank 19, -0.02% 1.04%
Newrez 20, -0.02% 0.92%
McLean Mortgage Corporation 21, -0.02% 1.97%
Movement Mortgage 22, -0.01% 7.75%
Atlantic Union Bank 23, -0.01% 0.69%
ALCOVA Mortgage 24, -0.01% 1.16%
Guaranteed Rate Inc 25, -0.01% 0.69%
Suntrust Banks, Inc 26, -0.00% 0.23%
NFM, Inc 27, 0.00% 5.55%
Pennymac Loan Services 28, 0.00% 1.50%
The Federal Savings Bank 29, 0.01% 0.69%
Towne First Mortgage 30, 0.01% 0.69%
Fairway Independent Mort Corp 31, 0.01% 1.39%
Wells Fargo Bank 32, 0.02% 0.23%
Embrace Home Loans, Inc 33, 0.02% 3.70%
Cardinal Financial Company LP 34, 0.02% 1.04%
First Heritage Mortgage 35, 0.03% 3.82%
NVR Mortgage Finance Inc 36, 0.04% 6.47%
LoanDepot 37, 0.05% 2.31%
Finance of America Mortgage 38, 0.06% 3.70%
CBM Mortgage, Inc 39, 0.07% 2.08%
Nationstar Mortgage 40, 0.08% 5.20%
Waterstone Mortgage Corp 41, 0.09% 5.90%
Flagstar Bank 42, 0.09% 1.27%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Freedom Mortgage Corporation 1, -0.13% 2.68%
Prosperity Home Mortgage 2, -0.07% 3.94%
Virginia Credit Union 3, -0.06% 0.63%
Capital Center 4, -0.06% 0.47%
First Community Mortgage Inc 5, -0.06% 0.63%
C&F Mortgage Corp 6, -0.05% 2.52%
Residential Mortgage Services 7, -0.05% 1.26%
Bank of America 8, -0.05% 0.79%
Caliber Home Loans Inc 9, -0.05% 1.42%
George Mason Mortgage 10, -0.05% 3.47%
Atlantic Bay Mortgage Group 11, -0.05% 2.84%
Atlantic Coast Mortgage 12, -0.04% 6.62%
Quicken Loans 13, -0.03% 3.63%
Integrity Home Mortgage Corp 14, -0.03% 3.94%
Fulton Bank 15, -0.03% 1.26%
JG Wentworth Home Lending 16, -0.03% 0.47%
Navy Federal Credit Union 17, -0.03% 0.32%
Newrez 18, -0.02% 0.95%
McLean Mortgage Corporation 19, -0.02% 2.52%
Movement Mortgage 20, -0.01% 9.46%
ALCOVA Mortgage 21, -0.01% 0.95%
Truist Bank 22, -0.01% 0.16%
Guaranteed Rate Inc 23, -0.01% 0.47%
The Federal Savings Bank 24, -0.00% 0.47%
Suntrust Banks, Inc 25, -0.00% 0.32%
Carrington Mortgage Services 26, -0.00% 1.10%
NFM, Inc 27, 0.00% 5.99%
Atlantic Union Bank 28, 0.00% 0.47%
Towne First Mortgage 29, 0.01% 0.79%
Fairway Independent Mort Corp 30, 0.02% 1.58%
Cardinal Financial Company LP 31, 0.02% 0.47%
Wells Fargo Bank 32, 0.02% 0.16%
Embrace Home Loans, Inc 33, 0.03% 4.26%
First Heritage Mortgage 34, 0.03% 4.89%
Nationstar Mortgage 35, 0.03% 2.52%
LoanDepot 36, 0.03% 0.95%
NVR Mortgage Finance Inc 37, 0.04% 8.83%
Finance of America Mortgage 38, 0.06% 4.73%
CBM Mortgage, Inc 39, 0.08% 2.52%
Flagstar Bank 40, 0.09% 1.74%
Waterstone Mortgage Corp 41, 0.10% 6.78%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Carrington Mortgage Services 1, -0.06% 5.63%
Caliber Home Loans Inc 2, -0.05% 4.33%
Quicken Loans 3, -0.05% 25.97%
Embrace Home Loans, Inc 4, -0.04% 2.16%
Atlantic Coast Mortgage 5, -0.03% 2.16%
Truist Bank 6, -0.03% 0.87%
Atlantic Union Bank 7, -0.02% 1.30%
First Heritage Mortgage 8, -0.02% 0.87%
JG Wentworth Home Lending 9, -0.02% 0.87%
Movement Mortgage 10, -0.02% 3.03%
Newrez 11, -0.01% 0.87%
Capital Center 12, -0.01% 0.43%
McLean Mortgage Corporation 13, -0.01% 0.43%
Integrity Home Mortgage Corp 14, -0.01% 0.87%
ALCOVA Mortgage 15, -0.01% 1.73%
Finance of America Mortgage 16, -0.01% 0.87%
Guaranteed Rate Inc 17, -0.00% 1.30%
Fairway Independent Mort Corp 18, -0.00% 0.87%
Towne First Mortgage 19, -0.00% 0.43%
George Mason Mortgage 20, -0.00% 0.87%
NFM, Inc 21, 0.00% 4.33%
Fulton Bank 22, 0.00% 0.43%
C&F Mortgage Corp 23, 0.01% 2.16%
Pennymac Loan Services 24, 0.01% 5.63%
Virginia Credit Union 25, 0.01% 1.73%
Waterstone Mortgage Corp 26, 0.01% 3.46%
CBM Mortgage, Inc 27, 0.02% 0.87%
The Federal Savings Bank 28, 0.02% 1.30%
Wells Fargo Bank 29, 0.02% 0.43%
Cardinal Financial Company LP 30, 0.03% 2.60%
Freedom Mortgage Corporation 31, 0.04% 2.60%
LoanDepot 32, 0.06% 6.06%
Nationstar Mortgage 33, 0.12% 12.55%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.05% 14.76%
Bank of America 2, -0.01% 9.52%
NVR Mortgage Finance Inc 3, 0.00% 0.48%
Citizens Bank 4, 0.00% 1.90%
JPMorgan Chase Bank 5, 0.00% 4.76%
McLean Mortgage Corporation 6, 0.00% 0.48%
Navy Federal Credit Union 7, 0.00% 4.76%
First Heritage Mortgage 8, 0.00% 19.05%
Suntrust Banks, Inc 9, 0.01% 8.57%
Quicken Loans 10, 0.01% 2.86%
Atlantic Union Bank 11, 0.01% 0.95%
Truist Bank 12, 0.01% 6.67%
Prosperity Home Mortgage 13, 0.01% 1.90%
Atlantic Bay Mortgage Group 14, 0.01% 0.48%
George Mason Mortgage 15, 0.01% 0.95%
Fulton Bank 16, 0.01% 4.76%
Guaranteed Rate Inc 17, 0.02% 0.95%
Finance of America Mortgage 18, 0.02% 0.48%
CBM Mortgage, Inc 19, 0.02% 0.48%
Residential Mortgage Services 20, 0.02% 0.48%
Waterstone Mortgage Corp 21, 0.02% 1.43%
Us Bank 22, 0.03% 9.05%
UVA Community Credit Union Inc 23, 0.03% 1.43%
Atlantic Coast Mortgage 24, 0.03% 0.95%
Embrace Home Loans, Inc 25, 0.04% 1.43%
Carrington Mortgage Services 26, 0.05% 0.48%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.05% 12.98%
Bank of America 2, -0.01% 6.11%
Citizens Bank 3, -0.01% 1.53%
JPMorgan Chase Bank 4, -0.01% 4.58%
NVR Mortgage Finance Inc 5, -0.00% 0.76%
McLean Mortgage Corporation 6, -0.00% 0.76%
Navy Federal Credit Union 7, 0.00% 6.11%
First Heritage Mortgage 8, 0.00% 24.43%
Atlantic Bay Mortgage Group 9, 0.01% 0.76%
George Mason Mortgage 10, 0.01% 1.53%
Prosperity Home Mortgage 11, 0.01% 1.53%
Fulton Bank 12, 0.01% 6.87%
Quicken Loans 13, 0.01% 0.76%
Waterstone Mortgage Corp 14, 0.01% 0.76%
Suntrust Banks, Inc 15, 0.01% 10.69%
UVA Community Credit Union Inc 16, 0.01% 0.76%
Atlantic Union Bank 17, 0.01% 0.76%
Guaranteed Rate Inc 18, 0.01% 1.53%
Finance of America Mortgage 19, 0.01% 0.76%
CBM Mortgage, Inc 20, 0.01% 0.76%
Residential Mortgage Services 21, 0.01% 0.76%
Atlantic Coast Mortgage 22, 0.02% 0.76%
Truist Bank 23, 0.02% 6.11%
Us Bank 24, 0.04% 7.63%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.04% 17.72%
Suntrust Banks, Inc 2, -0.02% 5.06%
First Heritage Mortgage 3, -0.01% 10.13%
Bank of America 4, -0.00% 15.19%
Navy Federal Credit Union 5, 0.00% 2.53%
Truist Bank 6, 0.00% 7.59%
Us Bank 7, 0.01% 11.39%
Atlantic Union Bank 8, 0.01% 1.27%
Quicken Loans 9, 0.02% 6.33%
Citizens Bank 10, 0.02% 2.53%
JPMorgan Chase Bank 11, 0.02% 5.06%
Prosperity Home Mortgage 12, 0.02% 2.53%
Fulton Bank 13, 0.02% 1.27%
Waterstone Mortgage Corp 14, 0.04% 2.53%
UVA Community Credit Union Inc 15, 0.05% 2.53%
Embrace Home Loans, Inc 16, 0.05% 3.80%
Carrington Mortgage Services 17, 0.06% 1.27%
Atlantic Coast Mortgage 18, 0.06% 1.27%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.14% 10.56%
LoanDepot 2, -0.05% 3.98%
Pennymac Loan Services 3, -0.04% 6.04%
Flagstar Bank 4, -0.03% 1.37%
Prosperity Home Mortgage 5, -0.03% 1.65%
Caliber Home Loans Inc 6, -0.03% 3.29%
Newrez 7, -0.02% 0.96%
Fulton Bank 8, -0.01% 1.10%
Virginia Credit Union 9, -0.01% 0.41%
Suntrust Banks, Inc 10, -0.01% 0.96%
Atlantic Bay Mortgage Group 11, -0.01% 2.19%
Capital Center 12, -0.01% 0.27%
Residential Mortgage Services 13, -0.01% 0.55%
JG Wentworth Home Lending 14, -0.01% 0.41%
Fairway Independent Mort Corp 15, -0.01% 0.96%
Usaa Federal Savings Bank 16, -0.01% 11.93%
Truist Bank 17, -0.01% 1.23%
Atlantic Union Bank 18, -0.01% 0.27%
Guaranteed Rate Inc 19, -0.00% 2.19%
McLean Mortgage Corporation 20, -0.00% 1.37%
ALCOVA Mortgage 21, -0.00% 1.78%
Towne First Mortgage 22, 0.00% 0.69%
Us Bank 23, 0.00% 1.78%
Finance of America Mortgage 24, 0.01% 0.96%
JPMorgan Chase Bank 25, 0.01% 0.27%
CBM Mortgage, Inc 26, 0.01% 0.27%
C&F Mortgage Corp 27, 0.01% 0.82%
First Heritage Mortgage 28, 0.02% 3.57%
Cardinal Financial Company LP 29, 0.02% 0.41%
Embrace Home Loans, Inc 30, 0.02% 2.06%
George Mason Mortgage 31, 0.02% 0.96%
Atlantic Coast Mortgage 32, 0.03% 6.04%
NFM, Inc 33, 0.03% 1.51%
Wells Fargo Bank 34, 0.03% 0.96%
Integrity Home Mortgage Corp 35, 0.04% 2.19%
Freedom Mortgage Corporation 36, 0.05% 1.78%
Nationstar Mortgage 37, 0.05% 1.51%
The Federal Savings Bank 38, 0.06% 3.84%
Quicken Loans 39, 0.06% 6.45%
Movement Mortgage 40, 0.07% 3.70%
Carrington Mortgage Services 41, 0.09% 1.78%
NVR Mortgage Finance Inc 42, 0.11% 2.88%
Waterstone Mortgage Corp 43, 0.11% 2.06%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.16% 14.55%
Prosperity Home Mortgage 2, -0.03% 2.35%
Freedom Mortgage Corporation 3, -0.03% 1.17%
Quicken Loans 4, -0.02% 3.76%
Fulton Bank 5, -0.02% 1.41%
Truist Bank 6, -0.02% 1.17%
Fairway Independent Mort Corp 7, -0.02% 0.94%
Pennymac Loan Services 8, -0.02% 0.70%
Newrez 9, -0.02% 1.17%
Suntrust Banks, Inc 10, -0.02% 1.17%
Atlantic Bay Mortgage Group 11, -0.01% 3.29%
Residential Mortgage Services 12, -0.01% 0.94%
Virginia Credit Union 13, -0.01% 0.23%
Caliber Home Loans Inc 14, -0.01% 2.58%
McLean Mortgage Corporation 15, -0.01% 1.17%
Atlantic Union Bank 16, -0.00% 0.47%
JG Wentworth Home Lending 17, -0.00% 0.23%
Towne First Mortgage 18, 0.00% 1.17%
Flagstar Bank 19, 0.00% 0.23%
Finance of America Mortgage 20, 0.01% 1.41%
Wells Fargo Bank 21, 0.01% 0.94%
JPMorgan Chase Bank 22, 0.01% 0.47%
Us Bank 23, 0.01% 1.64%
CBM Mortgage, Inc 24, 0.01% 0.47%
LoanDepot 25, 0.01% 0.47%
C&F Mortgage Corp 26, 0.01% 1.41%
First Heritage Mortgage 27, 0.01% 4.69%
Usaa Federal Savings Bank 28, 0.01% 14.55%
George Mason Mortgage 29, 0.03% 1.64%
Cardinal Financial Company LP 30, 0.03% 0.47%
Guaranteed Rate Inc 31, 0.03% 1.64%
NFM, Inc 32, 0.04% 1.88%
Embrace Home Loans, Inc 33, 0.04% 1.64%
Nationstar Mortgage 34, 0.04% 0.94%
Atlantic Coast Mortgage 35, 0.05% 8.22%
Carrington Mortgage Services 36, 0.05% 0.47%
Integrity Home Mortgage Corp 37, 0.05% 2.82%
The Federal Savings Bank 38, 0.06% 1.41%
ALCOVA Mortgage 39, 0.06% 1.17%
Movement Mortgage 40, 0.09% 5.16%
NVR Mortgage Finance Inc 41, 0.11% 4.93%
Waterstone Mortgage Corp 42, 0.14% 2.82%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.06% 4.95%
LoanDepot 2, -0.05% 8.91%
Usaa Federal Savings Bank 3, -0.05% 8.25%
Pennymac Loan Services 4, -0.04% 13.53%
Caliber Home Loans Inc 5, -0.04% 4.29%
Flagstar Bank 6, -0.04% 2.97%
ALCOVA Mortgage 7, -0.04% 2.64%
Guaranteed Rate Inc 8, -0.03% 2.97%
Atlantic Coast Mortgage 9, -0.03% 2.97%
Newrez 10, -0.01% 0.66%
Virginia Credit Union 11, -0.01% 0.66%
JG Wentworth Home Lending 12, -0.01% 0.66%
Capital Center 13, -0.01% 0.66%
Us Bank 14, -0.01% 1.98%
Integrity Home Mortgage Corp 15, -0.00% 1.32%
Fulton Bank 16, 0.00% 0.66%
McLean Mortgage Corporation 17, 0.00% 1.65%
Suntrust Banks, Inc 18, 0.00% 0.66%
Finance of America Mortgage 19, 0.00% 0.33%
Cardinal Financial Company LP 20, 0.01% 0.33%
Prosperity Home Mortgage 21, 0.01% 0.66%
Atlantic Bay Mortgage Group 22, 0.01% 0.66%
NFM, Inc 23, 0.01% 0.99%
Movement Mortgage 24, 0.01% 1.65%
Embrace Home Loans, Inc 25, 0.01% 2.64%
Fairway Independent Mort Corp 26, 0.01% 0.99%
Waterstone Mortgage Corp 27, 0.01% 0.99%
Truist Bank 28, 0.01% 1.32%
First Heritage Mortgage 29, 0.03% 1.98%
Nationstar Mortgage 30, 0.05% 2.31%
The Federal Savings Bank 31, 0.06% 7.26%
Wells Fargo Bank 32, 0.06% 0.99%
Freedom Mortgage Corporation 33, 0.09% 2.64%
Carrington Mortgage Services 34, 0.10% 3.63%
Quicken Loans 35, 0.10% 10.23%

* Data is compiled for the Culpeper, VA commuting zone area, which comprises of counties of Albemarle County, VA, Culpeper County, VA, Fluvanna County, VA, Greene County, VA, Louisa County, VA, Madison County, VA, Nelson County, VA, Orange County, VA, and Charlottesville city, VA. This includes cities/towns/communities of Culpeper, VA as well as Charlottesville, VA, Lake of the Woods, VA, Lake Monticello, VA, Crozet, VA, Blue Ridge Shores, VA, Ruckersville, VA, Orange, VA, Nellysford, VA, Hollymead, VA, Pantops, VA, Mineral, VA, Ivy, VA, Piney Mountain, VA, Brightwood, VA, Scottsville, VA, Louisa, VA, Rivanna, VA, Gordonsville, VA, Columbia, VA, Twin Lakes, VA, Madison, VA, Free Union, VA, Scottsville, VA, Stanardsville, VA, Arrington, VA, Lovingston, VA, and University of Virginia, 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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