Top Mortgage Lenders in the Harrisonburg, VA area

Which mortgage lender in the Harrisonburg, 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 Harrisonburg, 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 Harrisonburg, VA area is Farmers & Merchants Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.09%. This means that Farmers & Merchants Bank provided a -0.09% lower interest rate for its customers than other lenders in Harrisonburg, VA for a similar set of borrowers. Farmers & Merchants Bank has a market share of 19.3%. It is also the most popular lender in the area.

Our detailed rankings of the mortgage lenders for the Harrisonburg, 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 Harrisonburg, VA is C&F 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 Primary Residential Mortgage Inc. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Integrity Home Mortgage Corp. The cheapest VA mortgage provider is Usaa Federal Savings Bank. 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
Farmers & Merchants Bank 1, -0.09% 19.28%
Movement Mortgage 2, -0.07% 8.79%
C&F Mortgage Corp 3, -0.05% 3.62%
DuPont Community Credit Union 4, -0.05% 5.91%
Truist Bank 5, -0.04% 8.35%
Usaa Federal Savings Bank 6, 0.00% 2.58%
Integrity Home Mortgage Corp 7, 0.01% 13.52%
Wells Fargo Bank 8, 0.01% 5.02%
Atlantic Bay Mortgage Group 9, 0.02% 3.18%
George Mason Mortgage 10, 0.04% 3.69%
Primary Residential Mortgage Inc 11, 0.05% 4.73%
Suntrust Banks, Inc 12, 0.07% 2.29%
Park View Federal Credit Union 13, 0.07% 5.76%
Quicken Loans 14, 0.14% 13.29%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Farmers & Merchants Bank 1, -0.07% 23.47%
Movement Mortgage 2, -0.06% 12.25%
DuPont Community Credit Union 3, -0.04% 5.20%
C&F Mortgage Corp 4, -0.04% 4.74%
Truist Bank 5, -0.04% 6.13%
Wells Fargo Bank 6, 0.02% 4.86%
Atlantic Bay Mortgage Group 7, 0.02% 2.66%
Usaa Federal Savings Bank 8, 0.02% 3.35%
Suntrust Banks, Inc 9, 0.04% 1.04%
Integrity Home Mortgage Corp 10, 0.04% 16.99%
George Mason Mortgage 11, 0.05% 4.51%
Park View Federal Credit Union 12, 0.12% 5.20%
Primary Residential Mortgage Inc 13, 0.12% 4.05%
Quicken Loans 14, 0.13% 5.55%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Farmers & Merchants Bank 1, -0.12% 11.86%
Integrity Home Mortgage Corp 2, -0.07% 7.36%
DuPont Community Credit Union 3, -0.07% 7.16%
Truist Bank 4, -0.06% 12.27%
Primary Residential Mortgage Inc 5, -0.05% 5.93%
C&F Mortgage Corp 6, -0.03% 1.64%
Usaa Federal Savings Bank 7, -0.03% 1.23%
Movement Mortgage 8, -0.03% 2.66%
Park View Federal Credit Union 9, -0.00% 6.75%
Wells Fargo Bank 10, 0.01% 5.32%
Atlantic Bay Mortgage Group 11, 0.01% 4.09%
George Mason Mortgage 12, 0.03% 2.25%
Suntrust Banks, Inc 13, 0.05% 4.50%
Quicken Loans 14, 0.12% 26.99%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
C&F Mortgage Corp 1, -0.13% 2.70%
Farmers & Merchants Bank 2, -0.11% 19.68%
Movement Mortgage 3, -0.09% 8.09%
DuPont Community Credit Union 4, -0.04% 7.19%
Truist Bank 5, -0.04% 9.52%
Usaa Federal Savings Bank 6, -0.01% 1.44%
Wells Fargo Bank 7, 0.02% 5.30%
Integrity Home Mortgage Corp 8, 0.03% 11.77%
Atlantic Bay Mortgage Group 9, 0.03% 3.59%
George Mason Mortgage 10, 0.04% 4.04%
Primary Residential Mortgage Inc 11, 0.05% 4.76%
Suntrust Banks, Inc 12, 0.07% 2.79%
Park View Federal Credit Union 13, 0.08% 7.01%
Quicken Loans 14, 0.19% 12.13%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
C&F Mortgage Corp 1, -0.16% 3.28%
Farmers & Merchants Bank 2, -0.09% 24.03%
Movement Mortgage 3, -0.08% 11.79%
Truist Bank 4, -0.03% 7.31%
DuPont Community Credit Union 5, -0.03% 6.72%
Usaa Federal Savings Bank 6, 0.02% 2.24%
Wells Fargo Bank 7, 0.02% 5.07%
Atlantic Bay Mortgage Group 8, 0.03% 2.99%
Suntrust Banks, Inc 9, 0.05% 1.34%
George Mason Mortgage 10, 0.06% 5.07%
Integrity Home Mortgage Corp 11, 0.08% 15.07%
Park View Federal Credit Union 12, 0.13% 6.72%
Primary Residential Mortgage Inc 13, 0.15% 3.88%
Quicken Loans 14, 0.18% 4.48%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Farmers & Merchants Bank 1, -0.12% 13.09%
Integrity Home Mortgage Corp 2, -0.08% 6.77%
DuPont Community Credit Union 3, -0.07% 7.90%
Truist Bank 4, -0.06% 12.87%
Primary Residential Mortgage Inc 5, -0.06% 6.09%
C&F Mortgage Corp 6, -0.03% 1.81%
Movement Mortgage 7, -0.03% 2.48%
Usaa Federal Savings Bank 8, -0.02% 0.23%
Park View Federal Credit Union 9, -0.01% 7.45%
Wells Fargo Bank 10, 0.01% 5.64%
Atlantic Bay Mortgage Group 11, 0.01% 4.51%
George Mason Mortgage 12, 0.02% 2.48%
Suntrust Banks, Inc 13, 0.05% 4.97%
Quicken Loans 14, 0.15% 23.70%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Integrity Home Mortgage Corp 1, -0.05% 25.88%
Truist Bank 2, -0.03% 2.35%
Wells Fargo Bank 3, 0.00% 0.59%
Movement Mortgage 4, 0.00% 11.18%
George Mason Mortgage 5, 0.00% 1.76%
Quicken Loans 6, 0.01% 20.00%
Atlantic Bay Mortgage Group 7, 0.01% 1.18%
Farmers & Merchants Bank 8, 0.01% 21.76%
Primary Residential Mortgage Inc 9, 0.06% 4.12%
C&F Mortgage Corp 10, 0.06% 11.18%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Integrity Home Mortgage Corp 1, -0.05% 28.47%
Truist Bank 2, -0.03% 2.78%
Wells Fargo Bank 3, 0.00% 0.69%
Movement Mortgage 4, 0.00% 12.50%
George Mason Mortgage 5, 0.00% 2.08%
Atlantic Bay Mortgage Group 6, 0.01% 1.39%
Farmers & Merchants Bank 7, 0.01% 25.69%
Quicken Loans 8, 0.02% 9.03%
C&F Mortgage Corp 9, 0.06% 13.19%
Primary Residential Mortgage Inc 10, 0.07% 4.17%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Movement Mortgage 1, -0.00% 3.85%
Quicken Loans 2, -0.00% 80.77%
Primary Residential Mortgage Inc 3, 0.00% 3.85%
Integrity Home Mortgage Corp 4, 0.01% 11.54%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Primary Residential Mortgage Inc 1, -0.01% 20.00%
Wells Fargo Bank 2, -0.00% 20.00%
George Mason Mortgage 3, 0.00% 20.00%
Truist Bank 4, 0.00% 40.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Primary Residential Mortgage Inc 1, -0.00% 33.33%
Wells Fargo Bank 2, -0.00% 33.33%
George Mason Mortgage 3, 0.00% 33.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Truist Bank 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Usaa Federal Savings Bank 1, -0.01% 28.79%
Wells Fargo Bank 2, -0.01% 10.61%
Integrity Home Mortgage Corp 3, -0.01% 12.12%
Atlantic Bay Mortgage Group 4, -0.00% 1.52%
Quicken Loans 5, 0.00% 16.67%
Movement Mortgage 6, 0.01% 15.15%
Primary Residential Mortgage Inc 7, 0.01% 4.55%
George Mason Mortgage 8, 0.01% 1.52%
Truist Bank 9, 0.01% 1.52%
Farmers & Merchants Bank 10, 0.02% 7.58%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.02% 12.50%
Usaa Federal Savings Bank 2, -0.01% 29.17%
Atlantic Bay Mortgage Group 3, -0.01% 2.08%
Integrity Home Mortgage Corp 4, -0.00% 10.42%
Movement Mortgage 5, 0.00% 18.75%
George Mason Mortgage 6, 0.01% 2.08%
Farmers & Merchants Bank 7, 0.02% 10.42%
Primary Residential Mortgage Inc 8, 0.02% 4.17%
Quicken Loans 9, 0.02% 10.42%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Usaa Federal Savings Bank 1, -0.01% 27.78%
Primary Residential Mortgage Inc 2, -0.00% 5.56%
Quicken Loans 3, -0.00% 33.33%
Integrity Home Mortgage Corp 4, -0.00% 16.67%
Movement Mortgage 5, 0.01% 5.56%
Truist Bank 6, 0.03% 5.56%
Wells Fargo Bank 7, 0.03% 5.56%

* Data is compiled for the Harrisonburg, VA commuting zone area, which comprises of counties of Page County, VA, Rockingham County, VA, Harrisonburg city, VA, and Pendleton County, WV. This includes cities/towns/communities of Harrisonburg, VA as well as Massanetta Springs, VA, Broadway, VA, Luray, VA, Massanutten, VA, Grottoes, VA, Dayton, VA, Shenandoah, VA, Bridgewater, VA, Stanley, VA, Elkton, VA, Timberville, VA, Mount Crawford, VA, Franklin, WV, and Brandywine, 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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