Top Mortgage Lenders in Richmond, VA

Which mortgage lender in the Richmond, VA area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Richmond, VA area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Richmond, VA area in terms of interest rate is Village Bank Mortgage, with an average “Rate Difference” of -0.42%. This means that, comparing similar borrowers, Village Bank Mortgage provided a -0.42% lower interest rate for its customers than other lenders in the area. Village Bank Mortgage has a market share of 1.1%. On the other hand, the most popular lender in the Richmond, VA area is Quicken Loans, with a larger market share of 9.1%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.20% compared to those of other lenders. We recommend shopping around before going with this popular lender.

Our detailed ranking of mortgage lenders in 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, going by historical data, the cheapest lender for Conventional mortgages in Richmond, VA is Village Bank Mortgage. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), 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. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Richmond, VA

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Village Bank Mortgage-0.42%(5.0)1.08%
Virginia Credit Union-0.26%(5.0)6.19%
CapCenter-0.16%(4.5)8.08%
Call Federal CU-0.16%(4.5)0.59%
Bank of America-0.10%(4.0)1.81%
TowneBank-0.10%(4.0)2.14%
McLean Mortgage Corporation-0.09%(4.0)0.82%
Ameris Bank-0.08%(4.0)0.32%
Movement Mortgage-0.06%(4.0)4.27%
Atlantic Coast Mortgage-0.05%(4.0)0.24%
Pentagon Federal Credit Union-0.05%(4.0)0.25%
Provident Funding-0.05%(4.0)0.34%
Amerisave Mortgage Corporation-0.04%(3.5)0.39%
First Heritage Mortgage-0.04%(3.5)0.95%
Prosperity Home Mortgage LLC-0.03%(3.5)4.34%
Stearns Home Loans-0.03%(3.5)0.78%
C&F Mortgage Corp-0.02%(3.5)6.26%
Home Point Financial Corporation-0.02%(3.5)0.26%
Towne First Mortgage-0.02%(3.5)1.73%
Mason-McDuffie Mortgage Corporation-0.01%(3.5)0.39%
TIAA Bank-0.01%(3.5)0.13%
ALCOVA Mortgage-0.01%(3.5)1.93%
loanDepot-0.01%(3.5)1.53%
Caliber Home Loans-0.01%(3.5)1.43%
NexBank-0.01%(3.5)0.24%
Guaranteed Rate-0.00%(3.5)0.40%
North American Savings Bank-0.00%(3.5)0.15%
SunTrust Bank0.00%(3.5)2.40%
Truist Bank0.00%(3.5)1.37%
NBKC Bank0.00%(3.5)0.20%
Wells Fargo Bank0.00%(3.5)5.48%
George Mason Mortgage0.00%(3.5)4.07%
FirstBank TN0.01%(3.5)0.13%
PrimeLending0.01%(3.5)1.66%
RoundPoint Mortgage Servicing Corporation0.01%(3.5)0.18%
NewRez0.01%(3.5)0.53%
Tidewater Home Funding0.02%(3.5)0.85%
Atlantic Bay Mortgage Group0.02%(3.5)1.04%
JPMorgan Chase Bank0.03%(3.5)0.74%
Magnolia Bank0.03%(3.5)0.12%
Fulton Bank0.03%(3.5)0.66%
Lakeview Loan Servicing0.03%(3.5)0.27%
USAA0.03%(3.5)1.23%
US Bank0.03%(3.5)0.39%
Southern Trust Mortgage0.04%(3.5)2.75%
PNC Bank0.04%(3.5)0.21%
Wyndham Capital Mortgage0.04%(3.5)0.14%
PennyMac Loan Services0.04%(3.5)1.13%
Cardinal Financial Company0.04%(3.5)0.37%
Homespire Mortgage0.05%(3.0)0.21%
First Federal Bank of Florida0.06%(3.0)0.16%
M&T Bank0.06%(3.0)0.16%
Residential Mortgage Services0.06%(3.0)0.13%
New American Funding0.06%(3.0)0.25%
Assurance Financial0.07%(3.0)0.46%
Member Advantage Mortgage0.07%(3.0)0.27%
Flagstar Bank0.07%(3.0)0.39%
HomeBridge Financial Services0.07%(3.0)0.19%
Fairway Independent Mortgage Corporation0.08%(3.0)0.73%
Freedom Mortgage Corporation0.08%(3.0)1.09%
Finance of America Mortgage0.08%(3.0)0.17%
Synergy One Lending0.08%(3.0)0.14%
Atlantic Union Bank0.08%(3.0)0.50%
NFM Lending0.08%(3.0)2.23%
Embrace Home Loans0.08%(3.0)0.45%
Tidewater Mortgage Services0.10%(3.0)0.55%
Integrity Home Mortgage Corp0.10%(3.0)0.73%
Guild Mortgage Company0.11%(3.0)0.25%
Mortgage One Solutions0.12%(3.0)0.13%
Carrington Mortgage Services0.12%(3.0)0.76%
Reliance First Capital0.12%(3.0)0.21%
Navy Federal Credit Union0.14%(3.0)1.83%
Geneva Financial Home Loans0.14%(3.0)0.16%
The Federal Savings Bank0.14%(3.0)0.68%
Sierra Pacific Mortgage0.15%(3.0)0.74%
First Home Mortgage0.18%(2.5)0.49%
NVR Mortgage Finance Inc0.19%(2.5)2.08%
Quicken Loans0.20%(2.5)9.11%
Mr. Cooper0.33%(2.0)1.23%
Nationwide Mortgage Bankers0.37%(1.5)0.28%
NewDay USA0.48%(1.0)0.21%
First National Bank of America0.76%(1.0)0.12%
Lender NameRate DifferenceRate RatingMarket Share
Village Bank Mortgage-0.41%(5.0)1.78%
Virginia Credit Union-0.31%(5.0)5.10%
Call Federal CU-0.12%(4.0)0.32%
Freedom Mortgage Corporation-0.12%(4.0)0.66%
Bank of America-0.11%(4.0)1.78%
Wells Fargo Bank-0.10%(4.0)5.82%
TowneBank-0.10%(4.0)3.17%
CapCenter-0.09%(4.0)3.41%
McLean Mortgage Corporation-0.09%(4.0)1.12%
Ameris Bank-0.08%(4.0)0.31%
Movement Mortgage-0.05%(3.5)5.76%
Provident Funding-0.04%(3.5)0.23%
Atlantic Coast Mortgage-0.04%(3.5)0.37%
Pentagon Federal Credit Union-0.03%(3.5)0.31%
JPMorgan Chase Bank-0.03%(3.5)0.56%
First Heritage Mortgage-0.02%(3.5)1.34%
SunTrust Bank-0.01%(3.5)2.59%
Stearns Home Loans-0.01%(3.5)1.19%
Atlantic Bay Mortgage Group-0.01%(3.5)1.23%
Prosperity Home Mortgage LLC-0.01%(3.5)6.26%
Mason-McDuffie Mortgage Corporation-0.00%(3.5)0.48%
TIAA Bank0.00%(3.5)0.16%
Towne First Mortgage0.00%(3.5)2.57%
Truist Bank0.00%(3.5)1.09%
George Mason Mortgage0.00%(3.5)5.67%
PNC Bank0.01%(3.5)0.08%
NBKC Bank0.01%(3.5)0.19%
PrimeLending0.01%(3.5)2.40%
C&F Mortgage Corp0.02%(3.5)8.25%
ALCOVA Mortgage0.02%(3.5)2.18%
North American Savings Bank0.02%(3.5)0.13%
Tidewater Home Funding0.03%(3.5)1.06%
Guaranteed Rate0.03%(3.5)0.35%
Home Point Financial Corporation0.03%(3.5)0.16%
US Bank0.03%(3.5)0.29%
PennyMac Loan Services0.03%(3.5)0.16%
Atlantic Union Bank0.03%(3.5)0.48%
Caliber Home Loans0.04%(3.5)1.09%
First Federal Bank of Florida0.04%(3.5)0.11%
Amerisave Mortgage Corporation0.04%(3.5)0.05%
Fulton Bank0.04%(3.5)0.93%
FirstBank TN0.05%(3.5)0.08%
Cardinal Financial Company0.05%(3.5)0.22%
NexBank0.05%(3.0)0.23%
NewRez0.05%(3.0)0.26%
Southern Trust Mortgage0.05%(3.0)3.73%
USAA0.06%(3.0)1.44%
M&T Bank0.06%(3.0)0.12%
Synergy One Lending0.06%(3.0)0.02%
Homespire Mortgage0.07%(3.0)0.32%
Magnolia Bank0.07%(3.0)0.02%
loanDepot0.07%(3.0)0.71%
RoundPoint Mortgage Servicing Corporation0.07%(3.0)0.01%
HomeBridge Financial Services0.07%(3.0)0.08%
Wyndham Capital Mortgage0.08%(3.0)0.06%
Lakeview Loan Servicing0.08%(3.0)0.01%
Reliance First Capital0.08%(3.0)0.01%
Residential Mortgage Services0.08%(3.0)0.18%
NewDay USA0.09%(3.0)0.03%
Assurance Financial0.09%(3.0)0.55%
NFM Lending0.11%(3.0)3.23%
New American Funding0.12%(3.0)0.17%
Member Advantage Mortgage0.12%(3.0)0.22%
The Federal Savings Bank0.12%(3.0)0.47%
Fairway Independent Mortgage Corporation0.12%(3.0)0.91%
Embrace Home Loans0.12%(3.0)0.55%
Finance of America Mortgage0.12%(3.0)0.18%
Tidewater Mortgage Services0.12%(3.0)0.77%
Integrity Home Mortgage Corp0.13%(3.0)0.99%
Quicken Loans0.14%(3.0)3.46%
Guild Mortgage Company0.14%(3.0)0.39%
Flagstar Bank0.14%(3.0)0.32%
Mortgage One Solutions0.15%(3.0)0.19%
Geneva Financial Home Loans0.18%(2.5)0.21%
Sierra Pacific Mortgage0.19%(2.5)0.94%
Navy Federal Credit Union0.20%(2.5)2.38%
Mr. Cooper0.21%(2.5)0.42%
NVR Mortgage Finance Inc0.21%(2.5)3.45%
Carrington Mortgage Services0.23%(2.5)0.18%
First Home Mortgage0.23%(2.5)0.71%
Nationwide Mortgage Bankers0.42%(1.5)0.40%
First National Bank of America0.80%(1.0)0.19%
Lender NameRate DifferenceRate RatingMarket Share
Virginia Credit Union-0.23%(4.5)7.84%
CapCenter-0.22%(4.5)15.13%
Call Federal CU-0.20%(4.5)1.00%
C&F Mortgage Corp-0.11%(4.0)3.26%
Prosperity Home Mortgage LLC-0.09%(4.0)1.44%
NexBank-0.09%(4.0)0.26%
Bank of America-0.08%(4.0)1.85%
Amerisave Mortgage Corporation-0.08%(4.0)0.89%
Pentagon Federal Credit Union-0.08%(4.0)0.15%
Provident Funding-0.08%(4.0)0.50%
Ameris Bank-0.07%(4.0)0.33%
Home Point Financial Corporation-0.07%(4.0)0.41%
loanDepot-0.06%(4.0)2.77%
First Heritage Mortgage-0.06%(4.0)0.36%
Caliber Home Loans-0.06%(4.0)1.94%
ALCOVA Mortgage-0.05%(4.0)1.54%
McLean Mortgage Corporation-0.05%(3.5)0.36%
Guaranteed Rate-0.05%(3.5)0.47%
Movement Mortgage-0.04%(3.5)2.02%
North American Savings Bank-0.04%(3.5)0.17%
FirstBank TN-0.04%(3.5)0.21%
First Home Mortgage-0.03%(3.5)0.15%
NewRez-0.02%(3.5)0.94%
Mason-McDuffie Mortgage Corporation-0.02%(3.5)0.25%
RoundPoint Mortgage Servicing Corporation-0.02%(3.5)0.43%
Navy Federal Credit Union-0.02%(3.5)1.00%
Towne First Mortgage-0.02%(3.5)0.46%
Fairway Independent Mortgage Corporation-0.02%(3.5)0.46%
NBKC Bank-0.01%(3.5)0.22%
Truist Bank-0.01%(3.5)1.78%
Flagstar Bank-0.01%(3.5)0.49%
USAA-0.01%(3.5)0.91%
Magnolia Bank-0.01%(3.5)0.27%
TIAA Bank-0.01%(3.5)0.08%
Atlantic Coast Mortgage-0.00%(3.5)0.05%
Lakeview Loan Servicing-0.00%(3.5)0.65%
Village Bank Mortgage0.00%(3.5)0.02%
Wyndham Capital Mortgage0.00%(3.5)0.25%
New American Funding0.00%(3.5)0.37%
Tidewater Home Funding0.01%(3.5)0.54%
Member Advantage Mortgage0.01%(3.5)0.33%
Residential Mortgage Services0.01%(3.5)0.07%
Finance of America Mortgage0.01%(3.5)0.15%
Stearns Home Loans0.01%(3.5)0.15%
PennyMac Loan Services0.02%(3.5)2.59%
Embrace Home Loans0.02%(3.5)0.30%
US Bank0.02%(3.5)0.54%
Southern Trust Mortgage0.02%(3.5)1.26%
Fulton Bank0.02%(3.5)0.25%
PNC Bank0.02%(3.5)0.40%
Guild Mortgage Company0.02%(3.5)0.06%
Cardinal Financial Company0.02%(3.5)0.59%
Assurance Financial0.02%(3.5)0.33%
Mortgage One Solutions0.03%(3.5)0.06%
NFM Lending0.04%(3.5)0.73%
Homespire Mortgage0.04%(3.5)0.04%
SunTrust Bank0.04%(3.5)2.12%
M&T Bank0.04%(3.5)0.22%
First National Bank of America0.05%(3.5)0.01%
First Federal Bank of Florida0.05%(3.5)0.24%
Geneva Financial Home Loans0.05%(3.5)0.09%
HomeBridge Financial Services0.05%(3.0)0.36%
Tidewater Mortgage Services0.05%(3.0)0.23%
Synergy One Lending0.05%(3.0)0.31%
Sierra Pacific Mortgage0.06%(3.0)0.44%
JPMorgan Chase Bank0.06%(3.0)1.01%
TowneBank0.07%(3.0)0.59%
Integrity Home Mortgage Corp0.07%(3.0)0.33%
Carrington Mortgage Services0.07%(3.0)1.63%
PrimeLending0.09%(3.0)0.55%
Reliance First Capital0.09%(3.0)0.52%
George Mason Mortgage0.09%(3.0)1.64%
Nationwide Mortgage Bankers0.09%(3.0)0.09%
Atlantic Bay Mortgage Group0.10%(3.0)0.75%
The Federal Savings Bank0.14%(3.0)1.02%
Atlantic Union Bank0.14%(3.0)0.54%
Freedom Mortgage Corporation0.17%(2.5)1.73%
Wells Fargo Bank0.19%(2.5)4.96%
Quicken Loans0.19%(2.5)17.65%
Mr. Cooper0.33%(2.0)2.44%
NewDay USA0.49%(1.0)0.48%
Lender NameRate DifferenceRate RatingMarket Share
Village Bank Mortgage-0.72%(5.0)0.84%
Virginia Credit Union-0.26%(5.0)7.34%
CapCenter-0.15%(4.0)10.96%
Call Federal CU-0.14%(4.0)0.83%
TowneBank-0.14%(4.0)2.20%
McLean Mortgage Corporation-0.12%(4.0)0.78%
Bank of America-0.08%(4.0)2.31%
Ameris Bank-0.08%(4.0)0.34%
Atlantic Coast Mortgage-0.07%(4.0)0.22%
Movement Mortgage-0.07%(4.0)3.82%
Amerisave Mortgage Corporation-0.06%(4.0)0.37%
Stearns Home Loans-0.06%(4.0)0.54%
First Heritage Mortgage-0.05%(3.5)1.14%
Pentagon Federal Credit Union-0.04%(3.5)0.27%
C&F Mortgage Corp-0.04%(3.5)6.56%
Provident Funding-0.04%(3.5)0.45%
Mason-McDuffie Mortgage Corporation-0.03%(3.5)0.30%
Prosperity Home Mortgage LLC-0.03%(3.5)4.45%
Towne First Mortgage-0.02%(3.5)1.70%
loanDepot-0.02%(3.5)1.08%
PrimeLending-0.02%(3.5)1.30%
ALCOVA Mortgage-0.02%(3.5)1.91%
George Mason Mortgage-0.02%(3.5)4.39%
TIAA Bank0.00%(3.5)0.15%
Guaranteed Rate0.00%(3.5)0.40%
NexBank0.01%(3.5)0.34%
SunTrust Bank0.01%(3.5)2.75%
FirstBank TN0.01%(3.5)0.13%
Truist Bank0.02%(3.5)1.74%
NBKC Bank0.02%(3.5)0.17%
North American Savings Bank0.02%(3.5)0.08%
Atlantic Bay Mortgage Group0.02%(3.5)0.96%
RoundPoint Mortgage Servicing Corporation0.02%(3.5)0.13%
Wells Fargo Bank0.03%(3.5)6.84%
Home Point Financial Corporation0.03%(3.5)0.14%
JPMorgan Chase Bank0.03%(3.5)0.87%
Cardinal Financial Company0.03%(3.5)0.30%
Southern Trust Mortgage0.03%(3.5)3.02%
NewRez0.04%(3.5)0.44%
US Bank0.04%(3.5)0.39%
Fulton Bank0.05%(3.5)0.81%
First Federal Bank of Florida0.05%(3.5)0.10%
Tidewater Home Funding0.05%(3.0)0.92%
Magnolia Bank0.05%(3.0)0.04%
PNC Bank0.05%(3.0)0.28%
Lakeview Loan Servicing0.06%(3.0)0.01%
Wyndham Capital Mortgage0.06%(3.0)0.15%
Residential Mortgage Services0.07%(3.0)0.11%
Homespire Mortgage0.07%(3.0)0.17%
Flagstar Bank0.07%(3.0)0.13%
USAA0.08%(3.0)0.67%
HomeBridge Financial Services0.08%(3.0)0.05%
New American Funding0.09%(3.0)0.19%
Member Advantage Mortgage0.09%(3.0)0.21%
Tidewater Mortgage Services0.09%(3.0)0.30%
M&T Bank0.10%(3.0)0.13%
Finance of America Mortgage0.10%(3.0)0.16%
Assurance Financial0.10%(3.0)0.47%
Fairway Independent Mortgage Corporation0.11%(3.0)0.54%
Caliber Home Loans0.11%(3.0)0.86%
Mortgage One Solutions0.11%(3.0)0.12%
NFM Lending0.11%(3.0)1.99%
Atlantic Union Bank0.11%(3.0)0.59%
Embrace Home Loans0.11%(3.0)0.19%
Synergy One Lending0.12%(3.0)0.07%
PennyMac Loan Services0.13%(3.0)0.53%
Guild Mortgage Company0.14%(3.0)0.19%
The Federal Savings Bank0.16%(2.5)0.42%
Geneva Financial Home Loans0.18%(2.5)0.19%
Nationwide Mortgage Bankers0.18%(2.5)0.11%
Integrity Home Mortgage Corp0.18%(2.5)0.65%
First Home Mortgage0.20%(2.5)0.45%
Carrington Mortgage Services0.20%(2.5)0.17%
Freedom Mortgage Corporation0.20%(2.5)0.36%
Reliance First Capital0.21%(2.5)0.11%
NVR Mortgage Finance Inc0.22%(2.5)1.95%
Sierra Pacific Mortgage0.22%(2.5)0.65%
Quicken Loans0.24%(2.5)9.66%
Mr. Cooper0.46%(1.0)0.82%
Navy Federal Credit Union0.47%(1.0)1.34%
First National Bank of America0.78%(1.0)0.17%
Lender NameRate DifferenceRate RatingMarket Share
Village Bank Mortgage-0.69%(5.0)1.44%
Virginia Credit Union-0.33%(5.0)5.78%
TowneBank-0.14%(4.0)3.33%
McLean Mortgage Corporation-0.13%(4.0)1.03%
Call Federal CU-0.10%(4.0)0.46%
Bank of America-0.09%(4.0)2.22%
Ameris Bank-0.09%(4.0)0.31%
Wells Fargo Bank-0.08%(4.0)7.33%
JPMorgan Chase Bank-0.06%(4.0)0.58%
CapCenter-0.06%(4.0)4.62%
Movement Mortgage-0.06%(4.0)5.25%
Atlantic Coast Mortgage-0.05%(4.0)0.35%
Stearns Home Loans-0.04%(3.5)0.84%
Atlantic Bay Mortgage Group-0.03%(3.5)1.06%
Mason-McDuffie Mortgage Corporation-0.03%(3.5)0.36%
PrimeLending-0.03%(3.5)1.87%
George Mason Mortgage-0.03%(3.5)6.13%
First Heritage Mortgage-0.02%(3.5)1.66%
Provident Funding-0.02%(3.5)0.29%
Pentagon Federal Credit Union-0.01%(3.5)0.33%
SunTrust Bank-0.01%(3.5)2.92%
Towne First Mortgage-0.00%(3.5)2.58%
ALCOVA Mortgage0.01%(3.5)2.11%
Prosperity Home Mortgage LLC0.01%(3.5)6.79%
C&F Mortgage Corp0.01%(3.5)8.47%
US Bank0.02%(3.5)0.23%
TIAA Bank0.02%(3.5)0.20%
Truist Bank0.02%(3.5)1.42%
NBKC Bank0.03%(3.5)0.14%
PNC Bank0.03%(3.5)0.11%
Guaranteed Rate0.04%(3.5)0.35%
loanDepot0.04%(3.5)0.48%
Southern Trust Mortgage0.05%(3.0)4.17%
Cardinal Financial Company0.06%(3.0)0.17%
Atlantic Union Bank0.06%(3.0)0.53%
Home Point Financial Corporation0.06%(3.0)0.15%
FirstBank TN0.06%(3.0)0.06%
Amerisave Mortgage Corporation0.07%(3.0)0.06%
Tidewater Home Funding0.07%(3.0)1.22%
Fulton Bank0.07%(3.0)1.17%
NexBank0.08%(3.0)0.32%
First Federal Bank of Florida0.08%(3.0)0.10%
M&T Bank0.08%(3.0)0.06%
Mr. Cooper0.08%(3.0)0.08%
Synergy One Lending0.08%(3.0)0.03%
Magnolia Bank0.09%(3.0)0.01%
NewRez0.09%(3.0)0.21%
Homespire Mortgage0.09%(3.0)0.26%
Residential Mortgage Services0.10%(3.0)0.18%
North American Savings Bank0.10%(3.0)0.05%
Wyndham Capital Mortgage0.10%(3.0)0.07%
Carrington Mortgage Services0.10%(3.0)0.02%
PennyMac Loan Services0.11%(3.0)0.08%
USAA0.11%(3.0)0.82%
HomeBridge Financial Services0.11%(3.0)0.06%
Tidewater Mortgage Services0.11%(3.0)0.34%
RoundPoint Mortgage Servicing Corporation0.11%(3.0)0.01%
Flagstar Bank0.12%(3.0)0.09%
NFM Lending0.14%(3.0)2.93%
Mortgage One Solutions0.15%(3.0)0.18%
New American Funding0.15%(3.0)0.13%
Assurance Financial0.15%(3.0)0.53%
Freedom Mortgage Corporation0.15%(3.0)0.12%
Embrace Home Loans0.15%(3.0)0.25%
Finance of America Mortgage0.16%(2.5)0.17%
Caliber Home Loans0.16%(2.5)0.80%
Quicken Loans0.17%(2.5)3.88%
Fairway Independent Mortgage Corporation0.17%(2.5)0.66%
Member Advantage Mortgage0.17%(2.5)0.18%
The Federal Savings Bank0.17%(2.5)0.41%
Guild Mortgage Company0.18%(2.5)0.29%
Nationwide Mortgage Bankers0.21%(2.5)0.14%
Integrity Home Mortgage Corp0.22%(2.5)0.85%
Geneva Financial Home Loans0.22%(2.5)0.25%
NVR Mortgage Finance Inc0.25%(2.5)3.37%
First Home Mortgage0.27%(2.0)0.64%
Sierra Pacific Mortgage0.29%(2.0)0.77%
Navy Federal Credit Union0.60%(1.0)1.80%
First National Bank of America0.83%(1.0)0.29%
Lender NameRate DifferenceRate RatingMarket Share
Virginia Credit Union-0.23%(4.5)9.50%
CapCenter-0.21%(4.5)19.71%
Call Federal CU-0.19%(4.5)1.35%
C&F Mortgage Corp-0.13%(4.0)3.94%
Amerisave Mortgage Corporation-0.11%(4.0)0.80%
Prosperity Home Mortgage LLC-0.09%(4.0)1.23%
NexBank-0.08%(4.0)0.36%
Bank of America-0.08%(4.0)2.43%
loanDepot-0.08%(4.0)1.92%
Ameris Bank-0.08%(4.0)0.38%
Pentagon Federal Credit Union-0.07%(4.0)0.19%
Provident Funding-0.07%(4.0)0.66%
First Heritage Mortgage-0.06%(4.0)0.43%
ALCOVA Mortgage-0.05%(3.5)1.64%
Guaranteed Rate-0.05%(3.5)0.46%
McLean Mortgage Corporation-0.05%(3.5)0.44%
North American Savings Bank-0.04%(3.5)0.13%
FirstBank TN-0.04%(3.5)0.22%
Movement Mortgage-0.02%(3.5)1.85%
First Home Mortgage-0.02%(3.5)0.19%
RoundPoint Mortgage Servicing Corporation-0.02%(3.5)0.29%
Mason-McDuffie Mortgage Corporation-0.02%(3.5)0.23%
Home Point Financial Corporation-0.01%(3.5)0.13%
Fairway Independent Mortgage Corporation-0.01%(3.5)0.37%
Towne First Mortgage-0.01%(3.5)0.50%
TIAA Bank-0.01%(3.5)0.08%
NewRez-0.01%(3.5)0.76%
Cardinal Financial Company-0.01%(3.5)0.50%
NBKC Bank-0.01%(3.5)0.22%
Truist Bank-0.00%(3.5)2.18%
Atlantic Coast Mortgage0.00%(3.5)0.05%
Member Advantage Mortgage0.00%(3.5)0.25%
First Federal Bank of Florida0.00%(3.5)0.09%
Magnolia Bank0.01%(3.5)0.08%
Village Bank Mortgage0.01%(3.5)0.01%
Wyndham Capital Mortgage0.01%(3.5)0.27%
Lakeview Loan Servicing0.01%(3.5)0.01%
Finance of America Mortgage0.02%(3.5)0.15%
Flagstar Bank0.02%(3.5)0.18%
Guild Mortgage Company0.02%(3.5)0.04%
USAA0.03%(3.5)0.47%
New American Funding0.03%(3.5)0.27%
US Bank0.03%(3.5)0.61%
PNC Bank0.03%(3.5)0.51%
HomeBridge Financial Services0.03%(3.5)0.04%
Residential Mortgage Services0.03%(3.5)0.03%
Fulton Bank0.03%(3.5)0.30%
Stearns Home Loans0.03%(3.5)0.13%
Southern Trust Mortgage0.04%(3.5)1.42%
Assurance Financial0.04%(3.5)0.38%
Tidewater Home Funding0.04%(3.5)0.52%
Caliber Home Loans0.04%(3.5)0.94%
Homespire Mortgage0.05%(3.5)0.05%
Mortgage One Solutions0.05%(3.5)0.04%
SunTrust Bank0.05%(3.5)2.53%
Embrace Home Loans0.06%(3.0)0.11%
First National Bank of America0.06%(3.0)0.01%
JPMorgan Chase Bank0.07%(3.0)1.27%
Geneva Financial Home Loans0.07%(3.0)0.10%
M&T Bank0.07%(3.0)0.22%
Tidewater Mortgage Services0.07%(3.0)0.24%
NFM Lending0.08%(3.0)0.70%
Sierra Pacific Mortgage0.08%(3.0)0.47%
TowneBank0.09%(3.0)0.63%
PennyMac Loan Services0.09%(3.0)1.14%
Integrity Home Mortgage Corp0.09%(3.0)0.37%
Navy Federal Credit Union0.09%(3.0)0.71%
Synergy One Lending0.10%(3.0)0.14%
George Mason Mortgage0.11%(3.0)1.99%
PrimeLending0.11%(3.0)0.52%
Nationwide Mortgage Bankers0.12%(3.0)0.06%
The Federal Savings Bank0.13%(3.0)0.43%
Atlantic Bay Mortgage Group0.13%(3.0)0.81%
Atlantic Union Bank0.16%(2.5)0.67%
Reliance First Capital0.17%(2.5)0.27%
Carrington Mortgage Services0.17%(2.5)0.38%
Freedom Mortgage Corporation0.18%(2.5)0.69%
Wells Fargo Bank0.21%(2.5)6.17%
Quicken Loans0.23%(2.5)17.63%
Mr. Cooper0.45%(1.5)1.84%
Lender NameRate DifferenceRate RatingMarket Share
Virginia Credit Union-0.25%(5.0)4.81%
CapCenter-0.19%(4.5)1.26%
Bank of America-0.16%(4.5)0.36%
Tidewater Home Funding-0.12%(4.0)0.57%
Caliber Home Loans-0.11%(4.0)2.29%
Village Bank Mortgage-0.10%(4.0)2.73%
Ameris Bank-0.09%(4.0)0.29%
Freedom Mortgage Corporation-0.09%(4.0)2.35%
Movement Mortgage-0.07%(4.0)7.17%
NewRez-0.06%(4.0)0.86%
Provident Funding-0.06%(4.0)0.13%
McLean Mortgage Corporation-0.06%(4.0)1.20%
Navy Federal Credit Union-0.06%(4.0)0.48%
Home Point Financial Corporation-0.05%(4.0)0.44%
Integrity Home Mortgage Corp-0.05%(4.0)1.09%
Atlantic Union Bank-0.04%(3.5)0.29%
SunTrust Bank-0.04%(3.5)0.61%
Fulton Bank-0.04%(3.5)0.34%
Amerisave Mortgage Corporation-0.04%(3.5)0.29%
Atlantic Coast Mortgage-0.03%(3.5)0.36%
TIAA Bank-0.03%(3.5)0.08%
First Federal Bank of Florida-0.03%(3.5)0.19%
RoundPoint Mortgage Servicing Corporation-0.03%(3.5)0.19%
Stearns Home Loans-0.03%(3.5)2.00%
PennyMac Loan Services-0.02%(3.5)1.45%
NexBank-0.02%(3.5)0.04%
Towne First Mortgage-0.02%(3.5)2.19%
Carrington Mortgage Services-0.02%(3.5)2.08%
M&T Bank-0.02%(3.5)0.32%
Prosperity Home Mortgage LLC-0.01%(3.5)3.47%
Assurance Financial-0.01%(3.5)0.46%
North American Savings Bank-0.01%(3.5)0.08%
Mason-McDuffie Mortgage Corporation-0.01%(3.5)0.86%
FirstBank TN-0.01%(3.5)0.23%
US Bank-0.01%(3.5)0.06%
Wyndham Capital Mortgage-0.01%(3.5)0.13%
Atlantic Bay Mortgage Group-0.01%(3.5)1.28%
NBKC Bank-0.01%(3.5)0.06%
Synergy One Lending-0.01%(3.5)0.27%
Truist Bank-0.00%(3.5)0.08%
Guaranteed Rate0.00%(3.5)0.27%
Wells Fargo Bank0.00%(3.5)0.04%
The Federal Savings Bank0.01%(3.5)0.44%
Member Advantage Mortgage0.01%(3.5)0.27%
PNC Bank0.01%(3.5)0.02%
TowneBank0.01%(3.5)2.56%
Quicken Loans0.01%(3.5)8.68%
Homespire Mortgage0.02%(3.5)0.42%
New American Funding0.02%(3.5)0.44%
PrimeLending0.02%(3.5)3.47%
Magnolia Bank0.02%(3.5)0.08%
NFM Lending0.02%(3.5)3.72%
C&F Mortgage Corp0.02%(3.5)7.46%
NewDay USA0.02%(3.5)0.02%
Fairway Independent Mortgage Corporation0.02%(3.5)1.41%
Sierra Pacific Mortgage0.03%(3.5)1.37%
ALCOVA Mortgage0.03%(3.5)2.44%
Embrace Home Loans0.03%(3.5)1.22%
Finance of America Mortgage0.03%(3.5)0.21%
Residential Mortgage Services0.04%(3.5)0.27%
Geneva Financial Home Loans0.04%(3.5)0.11%
Reliance First Capital0.04%(3.5)0.59%
Lakeview Loan Servicing0.05%(3.0)0.88%
Cardinal Financial Company0.07%(3.0)0.63%
First Heritage Mortgage0.07%(3.0)0.55%
HomeBridge Financial Services0.07%(3.0)0.50%
Flagstar Bank0.07%(3.0)0.76%
Guild Mortgage Company0.08%(3.0)0.48%
Southern Trust Mortgage0.09%(3.0)2.42%
Tidewater Mortgage Services0.09%(3.0)1.51%
George Mason Mortgage0.09%(3.0)3.95%
loanDepot0.11%(3.0)1.87%
Mortgage One Solutions0.11%(3.0)0.27%
NVR Mortgage Finance Inc0.14%(3.0)2.54%
First Home Mortgage0.17%(2.5)0.78%
Mr. Cooper0.20%(2.5)2.82%
Nationwide Mortgage Bankers0.43%(1.5)1.05%
Lender NameRate DifferenceRate RatingMarket Share
Virginia Credit Union-0.25%(4.5)4.86%
Freedom Mortgage Corporation-0.25%(4.5)1.62%
CapCenter-0.18%(4.5)0.78%
Bank of America-0.16%(4.5)0.49%
Tidewater Home Funding-0.15%(4.0)0.66%
Caliber Home Loans-0.14%(4.0)1.45%
Village Bank Mortgage-0.10%(4.0)3.73%
Ameris Bank-0.10%(4.0)0.35%
Provident Funding-0.07%(4.0)0.14%
Movement Mortgage-0.07%(4.0)8.67%
Navy Federal Credit Union-0.06%(4.0)0.55%
McLean Mortgage Corporation-0.06%(4.0)1.62%
First Federal Bank of Florida-0.06%(4.0)0.14%
Integrity Home Mortgage Corp-0.05%(4.0)1.50%
PennyMac Loan Services-0.05%(3.5)0.14%
Atlantic Union Bank-0.05%(3.5)0.38%
Home Point Financial Corporation-0.05%(3.5)0.20%
NewRez-0.04%(3.5)0.32%
Fulton Bank-0.04%(3.5)0.40%
SunTrust Bank-0.04%(3.5)0.81%
Atlantic Coast Mortgage-0.03%(3.5)0.46%
TIAA Bank-0.03%(3.5)0.12%
Stearns Home Loans-0.03%(3.5)2.69%
NexBank-0.02%(3.5)0.06%
Towne First Mortgage-0.02%(3.5)2.86%
North American Savings Bank-0.02%(3.5)0.09%
Assurance Financial-0.02%(3.5)0.58%
NBKC Bank-0.02%(3.5)0.06%
Prosperity Home Mortgage LLC-0.01%(3.5)4.36%
HomeBridge Financial Services-0.01%(3.5)0.14%
Mason-McDuffie Mortgage Corporation-0.01%(3.5)0.95%
US Bank-0.01%(3.5)0.06%
Atlantic Bay Mortgage Group-0.00%(3.5)1.56%
Truist Bank-0.00%(3.5)0.09%
RoundPoint Mortgage Servicing Corporation-0.00%(3.5)0.03%
FirstBank TN-0.00%(3.5)0.17%
M&T Bank-0.00%(3.5)0.29%
Wyndham Capital Mortgage0.01%(3.5)0.06%
Cardinal Financial Company0.01%(3.5)0.38%
Guaranteed Rate0.01%(3.5)0.26%
The Federal Savings Bank0.01%(3.5)0.55%
Wells Fargo Bank0.01%(3.5)0.03%
TowneBank0.01%(3.5)3.41%
Lakeview Loan Servicing0.01%(3.5)0.06%
Homespire Mortgage0.02%(3.5)0.58%
Reliance First Capital0.02%(3.5)0.03%
PrimeLending0.02%(3.5)4.39%
Member Advantage Mortgage0.02%(3.5)0.26%
C&F Mortgage Corp0.02%(3.5)9.51%
ALCOVA Mortgage0.03%(3.5)2.95%
Fairway Independent Mortgage Corporation0.03%(3.5)1.65%
Sierra Pacific Mortgage0.03%(3.5)1.65%
NFM Lending0.03%(3.5)4.57%
Geneva Financial Home Loans0.04%(3.5)0.14%
Finance of America Mortgage0.04%(3.5)0.20%
Embrace Home Loans0.04%(3.5)1.30%
Quicken Loans0.05%(3.5)2.63%
New American Funding0.05%(3.0)0.35%
Residential Mortgage Services0.06%(3.0)0.26%
loanDepot0.06%(3.0)1.33%
First Heritage Mortgage0.07%(3.0)0.72%
Guild Mortgage Company0.08%(3.0)0.61%
Tidewater Mortgage Services0.09%(3.0)2.05%
Southern Trust Mortgage0.09%(3.0)3.09%
George Mason Mortgage0.09%(3.0)5.23%
Flagstar Bank0.09%(3.0)0.75%
Carrington Mortgage Services0.11%(3.0)0.35%
NVR Mortgage Finance Inc0.14%(3.0)3.50%
Mortgage One Solutions0.14%(3.0)0.29%
First Home Mortgage0.17%(2.5)1.07%
Mr. Cooper0.19%(2.5)1.13%
Nationwide Mortgage Bankers0.47%(1.0)1.30%
Lender NameRate DifferenceRate RatingMarket Share
Virginia Credit Union-0.26%(5.0)4.70%
CapCenter-0.20%(4.5)2.54%
Caliber Home Loans-0.09%(4.0)4.55%
Movement Mortgage-0.07%(4.0)3.16%
NewRez-0.07%(4.0)2.31%
NFM Lending-0.07%(4.0)1.46%
Home Point Financial Corporation-0.06%(4.0)1.08%
M&T Bank-0.05%(3.5)0.39%
Atlantic Bay Mortgage Group-0.04%(3.5)0.54%
Carrington Mortgage Services-0.04%(3.5)6.70%
Amerisave Mortgage Corporation-0.03%(3.5)1.08%
RoundPoint Mortgage Servicing Corporation-0.03%(3.5)0.62%
New American Funding-0.03%(3.5)0.69%
Ameris Bank-0.03%(3.5)0.15%
Mason-McDuffie Mortgage Corporation-0.03%(3.5)0.62%
Stearns Home Loans-0.02%(3.5)0.15%
PennyMac Loan Services-0.02%(3.5)4.93%
FirstBank TN-0.02%(3.5)0.39%
Navy Federal Credit Union-0.02%(3.5)0.31%
Fulton Bank-0.02%(3.5)0.15%
Towne First Mortgage-0.02%(3.5)0.39%
Wyndham Capital Mortgage-0.02%(3.5)0.31%
Guaranteed Rate-0.01%(3.5)0.31%
Village Bank Mortgage-0.01%(3.5)0.08%
Prosperity Home Mortgage LLC-0.01%(3.5)1.08%
Fairway Independent Mortgage Corporation-0.01%(3.5)0.77%
US Bank-0.01%(3.5)0.08%
Tidewater Mortgage Services-0.01%(3.5)0.08%
Residential Mortgage Services-0.01%(3.5)0.31%
Atlantic Union Bank-0.01%(3.5)0.08%
McLean Mortgage Corporation-0.01%(3.5)0.08%
The Federal Savings Bank-0.01%(3.5)0.15%
Truist Bank-0.01%(3.5)0.08%
Member Advantage Mortgage-0.01%(3.5)0.31%
Synergy One Lending-0.01%(3.5)1.00%
Wells Fargo Bank-0.01%(3.5)0.08%
SunTrust Bank-0.01%(3.5)0.08%
Provident Funding-0.00%(3.5)0.08%
Sierra Pacific Mortgage-0.00%(3.5)0.62%
Embrace Home Loans-0.00%(3.5)1.00%
North American Savings Bank0.00%(3.5)0.08%
First Federal Bank of Florida0.00%(3.5)0.31%
Atlantic Coast Mortgage0.00%(3.5)0.08%
Assurance Financial0.00%(3.5)0.15%
Quicken Loans0.00%(3.5)24.81%
Flagstar Bank0.01%(3.5)0.77%
NBKC Bank0.01%(3.5)0.08%
First Heritage Mortgage0.01%(3.5)0.08%
Southern Trust Mortgage0.01%(3.5)0.62%
Mortgage One Solutions0.01%(3.5)0.23%
PNC Bank0.01%(3.5)0.08%
Tidewater Home Funding0.02%(3.5)0.31%
Magnolia Bank0.02%(3.5)0.31%
TowneBank0.02%(3.5)0.31%
Finance of America Mortgage0.02%(3.5)0.23%
George Mason Mortgage0.02%(3.5)0.54%
NewDay USA0.02%(3.5)0.08%
Guild Mortgage Company0.03%(3.5)0.15%
ALCOVA Mortgage0.04%(3.5)1.08%
Reliance First Capital0.05%(3.5)2.08%
PrimeLending0.05%(3.5)1.00%
C&F Mortgage Corp0.05%(3.5)2.00%
Lakeview Loan Servicing0.06%(3.0)3.08%
Nationwide Mortgage Bankers0.07%(3.0)0.39%
Freedom Mortgage Corporation0.08%(3.0)4.31%
HomeBridge Financial Services0.09%(3.0)1.46%
Cardinal Financial Company0.11%(3.0)1.31%
loanDepot0.16%(2.5)3.31%
Mr. Cooper0.20%(2.5)7.32%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.08%(4.0)7.71%
Wells Fargo Bank-0.07%(4.0)25.30%
Truist Bank0.01%(3.5)6.99%
Fulton Bank0.01%(3.5)1.45%
Caliber Home Loans0.02%(3.5)0.48%
TowneBank0.02%(3.5)2.41%
loanDepot0.02%(3.5)0.24%
First Heritage Mortgage0.02%(3.5)0.96%
SunTrust Bank0.02%(3.5)13.01%
M&T Bank0.02%(3.5)0.48%
Guaranteed Rate0.02%(3.5)1.20%
Cardinal Financial Company0.02%(3.5)0.48%
Ameris Bank0.02%(3.5)0.24%
Fairway Independent Mortgage Corporation0.03%(3.5)0.24%
Towne First Mortgage0.03%(3.5)0.72%
George Mason Mortgage0.03%(3.5)1.45%
NVR Mortgage Finance Inc0.03%(3.5)0.96%
Virginia Credit Union0.03%(3.5)0.48%
PNC Bank0.03%(3.5)0.24%
Southern Trust Mortgage0.03%(3.5)0.48%
Magnolia Bank0.03%(3.5)0.24%
Atlantic Union Bank0.03%(3.5)1.45%
CapCenter0.03%(3.5)0.96%
Quicken Loans0.04%(3.5)2.17%
US Bank0.04%(3.5)6.02%
Sierra Pacific Mortgage0.04%(3.5)0.24%
TIAA Bank0.04%(3.5)0.48%
Assurance Financial0.04%(3.5)0.24%
NewRez0.04%(3.5)0.48%
USAA0.04%(3.5)0.24%
PrimeLending0.04%(3.5)0.48%
McLean Mortgage Corporation0.05%(3.5)1.45%
NFM Lending0.05%(3.5)2.17%
Atlantic Bay Mortgage Group0.05%(3.5)0.48%
Prosperity Home Mortgage LLC0.05%(3.0)6.02%
Navy Federal Credit Union0.05%(3.0)1.45%
Movement Mortgage0.06%(3.0)1.93%
JPMorgan Chase Bank0.08%(3.0)7.95%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.09%(4.0)8.97%
Wells Fargo Bank-0.08%(4.0)25.86%
Fulton Bank0.01%(3.5)2.07%
Truist Bank0.01%(3.5)5.17%
First Heritage Mortgage0.02%(3.5)0.69%
TowneBank0.02%(3.5)1.72%
SunTrust Bank0.02%(3.5)14.48%
Guaranteed Rate0.03%(3.5)1.03%
Fairway Independent Mortgage Corporation0.03%(3.5)0.34%
M&T Bank0.03%(3.5)0.34%
Cardinal Financial Company0.03%(3.5)0.34%
George Mason Mortgage0.03%(3.5)1.38%
NVR Mortgage Finance Inc0.03%(3.5)1.38%
Towne First Mortgage0.03%(3.5)0.69%
Magnolia Bank0.04%(3.5)0.34%
Quicken Loans0.04%(3.5)2.07%
Southern Trust Mortgage0.04%(3.5)0.34%
CapCenter0.04%(3.5)0.69%
Assurance Financial0.05%(3.5)0.34%
USAA0.05%(3.5)0.34%
PrimeLending0.05%(3.5)0.69%
US Bank0.05%(3.5)5.86%
Atlantic Union Bank0.05%(3.5)1.38%
Navy Federal Credit Union0.05%(3.0)1.38%
NFM Lending0.06%(3.0)2.76%
McLean Mortgage Corporation0.06%(3.0)1.72%
Movement Mortgage0.07%(3.0)2.07%
Prosperity Home Mortgage LLC0.07%(3.0)6.55%
JPMorgan Chase Bank0.08%(3.0)8.97%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.05%(3.5)24.00%
Truist Bank-0.01%(3.5)11.20%
Prosperity Home Mortgage LLC-0.00%(3.5)4.80%
Atlantic Union Bank0.00%(3.5)1.60%
Caliber Home Loans0.01%(3.5)1.60%
NFM Lending0.01%(3.5)0.80%
loanDepot0.01%(3.5)0.80%
M&T Bank0.01%(3.5)0.80%
Cardinal Financial Company0.01%(3.5)0.80%
Towne First Mortgage0.01%(3.5)0.80%
Bank of America0.01%(3.5)4.80%
TowneBank0.01%(3.5)4.00%
Guaranteed Rate0.01%(3.5)1.60%
McLean Mortgage Corporation0.01%(3.5)0.80%
Ameris Bank0.01%(3.5)0.80%
SunTrust Bank0.01%(3.5)9.60%
US Bank0.01%(3.5)6.40%
Movement Mortgage0.02%(3.5)1.60%
George Mason Mortgage0.02%(3.5)1.60%
First Heritage Mortgage0.02%(3.5)1.60%
Southern Trust Mortgage0.02%(3.5)0.80%
Virginia Credit Union0.02%(3.5)1.60%
PNC Bank0.02%(3.5)0.80%
CapCenter0.02%(3.5)1.60%
Sierra Pacific Mortgage0.03%(3.5)0.80%
TIAA Bank0.03%(3.5)1.60%
NewRez0.03%(3.5)1.60%
Quicken Loans0.03%(3.5)2.40%
Atlantic Bay Mortgage Group0.04%(3.5)1.60%
Navy Federal Credit Union0.05%(3.0)1.60%
JPMorgan Chase Bank0.05%(3.0)5.60%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.26%(5.0)7.39%
Caliber Home Loans-0.14%(4.0)3.86%
loanDepot-0.12%(4.0)4.10%
CapCenter-0.11%(4.0)1.49%
Lakeview Loan Servicing-0.11%(4.0)0.99%
Home Point Financial Corporation-0.11%(4.0)0.78%
Prosperity Home Mortgage LLC-0.10%(4.0)4.81%
Wells Fargo Bank-0.08%(4.0)2.69%
Pentagon Federal Credit Union-0.08%(4.0)0.53%
North American Savings Bank-0.06%(4.0)0.71%
ALCOVA Mortgage-0.05%(3.5)1.45%
Tidewater Home Funding-0.04%(3.5)0.96%
NBKC Bank-0.04%(3.5)0.64%
Guaranteed Rate-0.04%(3.5)0.50%
Homespire Mortgage-0.04%(3.5)0.11%
PennyMac Loan Services-0.04%(3.5)4.74%
Ameris Bank-0.04%(3.5)0.21%
Virginia Credit Union-0.03%(3.5)1.73%
USAA-0.03%(3.5)7.15%
Magnolia Bank-0.03%(3.5)0.71%
RoundPoint Mortgage Servicing Corporation-0.03%(3.5)0.53%
Truist Bank-0.02%(3.5)0.21%
Assurance Financial-0.02%(3.5)0.42%
US Bank-0.02%(3.5)0.07%
Fulton Bank-0.02%(3.5)0.14%
Wyndham Capital Mortgage-0.02%(3.5)0.07%
Cardinal Financial Company-0.01%(3.5)0.35%
Mason-McDuffie Mortgage Corporation-0.01%(3.5)0.25%
HomeBridge Financial Services-0.01%(3.5)0.64%
Bank of America-0.01%(3.5)0.07%
Movement Mortgage-0.01%(3.5)2.72%
Geneva Financial Home Loans-0.01%(3.5)0.11%
New American Funding-0.01%(3.5)0.39%
Village Bank Mortgage-0.01%(3.5)0.07%
JPMorgan Chase Bank-0.01%(3.5)0.04%
Flagstar Bank-0.00%(3.5)1.52%
Atlantic Union Bank0.00%(3.5)0.14%
Guild Mortgage Company0.00%(3.5)0.35%
Call Federal CU0.01%(3.5)0.04%
PNC Bank0.01%(3.5)0.07%
NFM Lending0.01%(3.5)1.34%
SunTrust Bank0.01%(3.5)1.52%
Residential Mortgage Services0.01%(3.5)0.07%
Southern Trust Mortgage0.01%(3.5)1.87%
Atlantic Coast Mortgage0.01%(3.5)0.18%
First Home Mortgage0.01%(3.5)0.32%
TowneBank0.01%(3.5)1.03%
Reliance First Capital0.01%(3.5)0.25%
Amerisave Mortgage Corporation0.01%(3.5)0.67%
M&T Bank0.01%(3.5)0.04%
Tidewater Mortgage Services0.01%(3.5)0.71%
Atlantic Bay Mortgage Group0.01%(3.5)1.27%
PrimeLending0.01%(3.5)1.20%
Stearns Home Loans0.01%(3.5)0.42%
NewRez0.01%(3.5)0.57%
Finance of America Mortgage0.02%(3.5)0.18%
Fairway Independent Mortgage Corporation0.02%(3.5)0.92%
Sierra Pacific Mortgage0.02%(3.5)0.42%
First Heritage Mortgage0.02%(3.5)0.35%
Member Advantage Mortgage0.03%(3.5)0.64%
McLean Mortgage Corporation0.03%(3.5)0.32%
Integrity Home Mortgage Corp0.03%(3.5)0.78%
Embrace Home Loans0.05%(3.5)0.92%
Towne First Mortgage0.05%(3.0)1.31%
George Mason Mortgage0.05%(3.0)2.51%
First Federal Bank of Florida0.07%(3.0)0.53%
Synergy One Lending0.07%(3.0)0.35%
C&F Mortgage Corp0.07%(3.0)3.18%
Nationwide Mortgage Bankers0.09%(3.0)0.14%
Freedom Mortgage Corporation0.09%(3.0)3.96%
The Federal Savings Bank0.13%(3.0)2.94%
Mr. Cooper0.13%(3.0)1.41%
NVR Mortgage Finance Inc0.14%(3.0)2.26%
Carrington Mortgage Services0.18%(2.5)2.51%
Quicken Loans0.21%(2.5)7.22%
NewDay USA0.44%(1.5)1.95%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.26%(5.0)11.10%
Freedom Mortgage Corporation-0.14%(4.0)2.56%
Wells Fargo Bank-0.10%(4.0)4.37%
Caliber Home Loans-0.07%(4.0)2.56%
Pentagon Federal Credit Union-0.06%(4.0)0.94%
CapCenter-0.05%(4.0)1.28%
Prosperity Home Mortgage LLC-0.05%(3.5)6.72%
North American Savings Bank-0.04%(3.5)0.87%
PennyMac Loan Services-0.03%(3.5)0.81%
NBKC Bank-0.02%(3.5)0.87%
Ameris Bank-0.02%(3.5)0.27%
Truist Bank-0.02%(3.5)0.27%
Homespire Mortgage-0.01%(3.5)0.20%
USAA0.00%(3.5)9.55%
Tidewater Home Funding0.00%(3.5)1.01%
Assurance Financial0.00%(3.5)0.61%
Fulton Bank0.01%(3.5)0.20%
First Federal Bank of Florida0.01%(3.5)0.07%
Home Point Financial Corporation0.01%(3.5)0.13%
US Bank0.01%(3.5)0.13%
Mason-McDuffie Mortgage Corporation0.01%(3.5)0.40%
Guaranteed Rate0.02%(3.5)0.40%
NewRez0.02%(3.5)0.54%
Amerisave Mortgage Corporation0.02%(3.5)0.07%
Bank of America0.02%(3.5)0.13%
Virginia Credit Union0.02%(3.5)1.75%
Village Bank Mortgage0.02%(3.5)0.13%
JPMorgan Chase Bank0.02%(3.5)0.07%
Residential Mortgage Services0.02%(3.5)0.07%
Cardinal Financial Company0.03%(3.5)0.27%
PNC Bank0.03%(3.5)0.07%
ALCOVA Mortgage0.03%(3.5)1.34%
Magnolia Bank0.03%(3.5)0.07%
Guild Mortgage Company0.03%(3.5)0.61%
Call Federal CU0.03%(3.5)0.07%
Geneva Financial Home Loans0.03%(3.5)0.07%
Atlantic Union Bank0.03%(3.5)0.20%
Atlantic Bay Mortgage Group0.03%(3.5)1.95%
NFM Lending0.04%(3.5)2.35%
Atlantic Coast Mortgage0.04%(3.5)0.34%
TowneBank0.04%(3.5)1.68%
M&T Bank0.04%(3.5)0.07%
First Home Mortgage0.04%(3.5)0.54%
The Federal Savings Bank0.04%(3.5)0.74%
Synergy One Lending0.04%(3.5)0.07%
New American Funding0.04%(3.5)0.13%
SunTrust Bank0.04%(3.5)1.95%
PrimeLending0.04%(3.5)1.95%
Tidewater Mortgage Services0.05%(3.5)1.08%
NewDay USA0.05%(3.5)0.34%
Finance of America Mortgage0.05%(3.5)0.27%
Sierra Pacific Mortgage0.05%(3.5)0.74%
Member Advantage Mortgage0.05%(3.0)0.47%
Stearns Home Loans0.05%(3.0)0.54%
First Heritage Mortgage0.05%(3.0)0.61%
McLean Mortgage Corporation0.06%(3.0)0.54%
Southern Trust Mortgage0.06%(3.0)2.69%
Movement Mortgage0.07%(3.0)3.43%
HomeBridge Financial Services0.07%(3.0)0.13%
Fairway Independent Mortgage Corporation0.07%(3.0)1.08%
loanDepot0.07%(3.0)1.08%
Integrity Home Mortgage Corp0.08%(3.0)1.08%
Towne First Mortgage0.09%(3.0)2.22%
George Mason Mortgage0.09%(3.0)4.24%
C&F Mortgage Corp0.09%(3.0)5.31%
Flagstar Bank0.10%(3.0)1.01%
Embrace Home Loans0.11%(3.0)1.08%
Nationwide Mortgage Bankers0.11%(3.0)0.27%
Mr. Cooper0.14%(3.0)1.34%
Quicken Loans0.16%(2.5)2.62%
NVR Mortgage Finance Inc0.17%(2.5)4.30%
Carrington Mortgage Services0.25%(2.5)1.01%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.21%(4.5)3.28%
Caliber Home Loans-0.19%(4.5)5.30%
Prosperity Home Mortgage LLC-0.19%(4.5)2.69%
loanDepot-0.18%(4.5)7.46%
CapCenter-0.17%(4.5)1.72%
Home Point Financial Corporation-0.14%(4.0)1.49%
Lakeview Loan Servicing-0.14%(4.0)2.09%
Movement Mortgage-0.13%(4.0)1.94%
ALCOVA Mortgage-0.13%(4.0)1.57%
Tidewater Home Funding-0.10%(4.0)0.90%
Virginia Credit Union-0.10%(4.0)1.72%
Southern Trust Mortgage-0.09%(4.0)0.97%
Guaranteed Rate-0.09%(4.0)0.60%
Flagstar Bank-0.07%(4.0)2.09%
North American Savings Bank-0.07%(4.0)0.52%
USAA-0.07%(4.0)4.48%
PennyMac Loan Services-0.06%(4.0)9.10%
Magnolia Bank-0.06%(4.0)1.42%
RoundPoint Mortgage Servicing Corporation-0.06%(4.0)1.12%
Cardinal Financial Company-0.05%(4.0)0.45%
Integrity Home Mortgage Corp-0.05%(4.0)0.45%
NBKC Bank-0.05%(4.0)0.37%
Fairway Independent Mortgage Corporation-0.05%(4.0)0.75%
HomeBridge Financial Services-0.05%(3.5)1.19%
Geneva Financial Home Loans-0.05%(3.5)0.15%
Towne First Mortgage-0.05%(3.5)0.30%
Wyndham Capital Mortgage-0.05%(3.5)0.15%
Assurance Financial-0.04%(3.5)0.22%
Tidewater Mortgage Services-0.04%(3.5)0.30%
Stearns Home Loans-0.04%(3.5)0.30%
Embrace Home Loans-0.04%(3.5)0.75%
New American Funding-0.04%(3.5)0.67%
NFM Lending-0.04%(3.5)0.22%
Finance of America Mortgage-0.04%(3.5)0.07%
Ameris Bank-0.04%(3.5)0.15%
Guild Mortgage Company-0.04%(3.5)0.07%
SunTrust Bank-0.04%(3.5)1.04%
Fulton Bank-0.04%(3.5)0.07%
McLean Mortgage Corporation-0.04%(3.5)0.07%
PrimeLending-0.04%(3.5)0.37%
Pentagon Federal Credit Union-0.03%(3.5)0.07%
Atlantic Union Bank-0.03%(3.5)0.07%
Mason-McDuffie Mortgage Corporation-0.03%(3.5)0.07%
Sierra Pacific Mortgage-0.03%(3.5)0.07%
First Home Mortgage-0.03%(3.5)0.07%
First Heritage Mortgage-0.03%(3.5)0.07%
TowneBank-0.02%(3.5)0.30%
PNC Bank-0.02%(3.5)0.07%
George Mason Mortgage-0.02%(3.5)0.60%
Reliance First Capital-0.02%(3.5)0.52%
Truist Bank-0.02%(3.5)0.15%
Amerisave Mortgage Corporation-0.02%(3.5)1.34%
Residential Mortgage Services-0.01%(3.5)0.07%
Member Advantage Mortgage0.00%(3.5)0.82%
Atlantic Bay Mortgage Group0.00%(3.5)0.52%
NewRez0.01%(3.5)0.60%
C&F Mortgage Corp0.02%(3.5)0.82%
First Federal Bank of Florida0.04%(3.5)1.04%
Synergy One Lending0.04%(3.5)0.67%
The Federal Savings Bank0.11%(3.0)5.37%
Mr. Cooper0.12%(3.0)1.49%
Wells Fargo Bank0.12%(3.0)0.82%
Carrington Mortgage Services0.14%(3.0)4.18%
Freedom Mortgage Corporation0.20%(2.5)5.52%
Quicken Loans0.20%(2.5)12.31%
NewDay USA0.45%(1.0)3.73%

* 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 of the data is 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 conditional on the commuting zone, 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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