Top Mortgage Lenders in Front Royal, VA

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, provides an objective and data driven ranking of mortgage lenders operating in the Front Royal, 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 Front Royal, VA area in terms of interest rate is Apple Federal Credit Union, with an average “Rate Difference” of -0.18%. This means that, comparing similar borrowers, Apple Federal Credit Union provided a -0.18% lower interest rate for its customers than other lenders in the area. Apple Federal Credit Union has a market share of 2.0%. On the other hand, the most popular lender in the Front Royal, VA area is Integrity Home Mortgage Corp, with a larger market share of 12.9%. Integrity Home Mortgage Corp is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.03% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in 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, going by historical data, 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 (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is SunTrust Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is HomeAmerican Mortgage Corporation. 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 Front Royal, VA

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
Apple Federal Credit Union-0.18%(4.5)2.00%
George Mason Mortgage-0.15%(4.5)3.53%
First Heritage Mortgage-0.15%(4.0)1.02%
Bank of America-0.11%(4.0)0.93%
Atlantic Coast Mortgage-0.10%(4.0)2.07%
McLean Mortgage Corporation-0.09%(4.0)3.19%
Truist Bank-0.05%(3.5)2.70%
Movement Mortgage-0.05%(3.5)1.00%
ALCOVA Mortgage-0.04%(3.5)2.22%
SunTrust Bank-0.04%(3.5)1.05%
Wells Fargo Bank-0.03%(3.5)4.14%
Caliber Home Loans-0.03%(3.5)1.85%
Prosperity Home Mortgage LLC-0.03%(3.5)0.97%
Home Point Financial Corporation-0.02%(3.5)1.27%
Shea Mortgage-0.02%(3.5)1.17%
F&M Bank VA-0.02%(3.5)1.51%
Northwest Federal Credit Union-0.01%(3.5)0.83%
Residential Mortgage Services-0.01%(3.5)1.12%
PennyMac Loan Services-0.01%(3.5)1.36%
Intercoastal Mortgage Company-0.01%(3.5)1.10%
Atlantic Bay Mortgage Group0.01%(3.5)0.97%
CBM Mortgage0.01%(3.5)5.04%
Embrace Home Loans0.01%(3.5)1.07%
Freedom Mortgage Corporation0.02%(3.5)0.85%
AgFirst Farm Credit Bank0.02%(3.5)0.95%
Finance of America Mortgage0.02%(3.5)3.82%
HomeAmerican Mortgage Corporation0.03%(3.5)1.19%
Fairway Independent Mortgage Corporation0.03%(3.5)2.22%
Integrity Home Mortgage Corp0.03%(3.5)12.93%
Navy Federal Credit Union0.04%(3.5)5.23%
NVR Mortgage Finance Inc0.04%(3.5)2.92%
Carrington Mortgage Services0.05%(3.5)1.24%
Quicken Loans0.05%(3.5)12.34%
Homespire Mortgage0.09%(3.0)2.70%
Mr. Cooper0.14%(3.0)1.78%
Lender NameRate DifferenceRate RatingMarket Share
George Mason Mortgage-0.18%(4.5)4.12%
Bank of America-0.17%(4.5)0.94%
First Heritage Mortgage-0.16%(4.5)1.41%
Wells Fargo Bank-0.15%(4.5)4.04%
Apple Federal Credit Union-0.11%(4.0)1.45%
Atlantic Coast Mortgage-0.11%(4.0)2.86%
McLean Mortgage Corporation-0.09%(4.0)4.35%
SunTrust Bank-0.08%(4.0)0.82%
Movement Mortgage-0.05%(4.0)1.29%
Truist Bank-0.04%(3.5)1.73%
Northwest Federal Credit Union-0.04%(3.5)0.67%
Prosperity Home Mortgage LLC-0.03%(3.5)1.33%
Caliber Home Loans-0.03%(3.5)1.26%
Home Point Financial Corporation-0.03%(3.5)1.06%
F&M Bank VA-0.02%(3.5)1.80%
Shea Mortgage-0.02%(3.5)1.88%
PennyMac Loan Services-0.01%(3.5)0.24%
Intercoastal Mortgage Company-0.01%(3.5)1.33%
Residential Mortgage Services-0.00%(3.5)1.18%
Atlantic Bay Mortgage Group-0.00%(3.5)0.94%
CBM Mortgage-0.00%(3.5)6.32%
Freedom Mortgage Corporation0.00%(3.5)0.59%
Embrace Home Loans0.02%(3.5)1.18%
ALCOVA Mortgage0.02%(3.5)1.73%
HomeAmerican Mortgage Corporation0.03%(3.5)1.92%
AgFirst Farm Credit Bank0.04%(3.5)0.71%
Finance of America Mortgage0.04%(3.5)4.28%
Quicken Loans0.04%(3.5)4.83%
NVR Mortgage Finance Inc0.05%(3.5)4.71%
Fairway Independent Mortgage Corporation0.05%(3.5)2.67%
Integrity Home Mortgage Corp0.05%(3.0)16.56%
Carrington Mortgage Services0.06%(3.0)0.86%
Mr. Cooper0.06%(3.0)0.59%
Homespire Mortgage0.11%(3.0)3.37%
Navy Federal Credit Union0.12%(3.0)5.61%
Lender NameRate DifferenceRate RatingMarket Share
Apple Federal Credit Union-0.23%(4.5)2.89%
Navy Federal Credit Union-0.11%(4.0)4.62%
ALCOVA Mortgage-0.09%(4.0)3.01%
McLean Mortgage Corporation-0.07%(4.0)1.28%
Atlantic Coast Mortgage-0.07%(4.0)0.77%
George Mason Mortgage-0.06%(4.0)2.57%
Truist Bank-0.06%(4.0)4.30%
Caliber Home Loans-0.04%(3.5)2.82%
Residential Mortgage Services-0.03%(3.5)1.03%
Integrity Home Mortgage Corp-0.03%(3.5)6.99%
Movement Mortgage-0.02%(3.5)0.51%
First Heritage Mortgage-0.02%(3.5)0.38%
Home Point Financial Corporation-0.02%(3.5)1.60%
PennyMac Loan Services-0.02%(3.5)3.21%
Fairway Independent Mortgage Corporation-0.01%(3.5)1.48%
F&M Bank VA-0.01%(3.5)1.03%
Prosperity Home Mortgage LLC-0.01%(3.5)0.38%
Bank of America-0.00%(3.5)0.90%
Intercoastal Mortgage Company-0.00%(3.5)0.71%
Finance of America Mortgage-0.00%(3.5)3.08%
SunTrust Bank0.00%(3.5)1.41%
Embrace Home Loans0.00%(3.5)0.90%
AgFirst Farm Credit Bank0.01%(3.5)1.35%
Northwest Federal Credit Union0.01%(3.5)1.09%
Atlantic Bay Mortgage Group0.02%(3.5)1.03%
Homespire Mortgage0.02%(3.5)1.60%
Freedom Mortgage Corporation0.02%(3.5)1.28%
Carrington Mortgage Services0.03%(3.5)1.86%
Quicken Loans0.05%(3.5)24.63%
CBM Mortgage0.05%(3.0)2.95%
Mr. Cooper0.15%(3.0)3.72%
Wells Fargo Bank0.15%(2.5)4.30%
Lender NameRate DifferenceRate RatingMarket Share
First Heritage Mortgage-0.19%(4.5)1.20%
George Mason Mortgage-0.19%(4.5)3.96%
Apple Federal Credit Union-0.18%(4.5)2.94%
Atlantic Coast Mortgage-0.13%(4.0)2.18%
Bank of America-0.12%(4.0)1.27%
McLean Mortgage Corporation-0.12%(4.0)3.45%
Movement Mortgage-0.07%(4.0)0.84%
Truist Bank-0.06%(4.0)3.67%
ALCOVA Mortgage-0.05%(3.5)2.29%
SunTrust Bank-0.04%(3.5)1.42%
Prosperity Home Mortgage LLC-0.04%(3.5)1.05%
Wells Fargo Bank-0.04%(3.5)5.70%
Finance of America Mortgage-0.03%(3.5)3.01%
Shea Mortgage-0.02%(3.5)1.60%
Intercoastal Mortgage Company-0.02%(3.5)1.05%
Residential Mortgage Services-0.02%(3.5)1.31%
F&M Bank VA-0.02%(3.5)1.89%
Northwest Federal Credit Union-0.02%(3.5)1.16%
Home Point Financial Corporation-0.01%(3.5)0.69%
Caliber Home Loans-0.01%(3.5)1.24%
CBM Mortgage-0.01%(3.5)3.60%
PennyMac Loan Services0.00%(3.5)0.69%
Atlantic Bay Mortgage Group0.01%(3.5)1.20%
Freedom Mortgage Corporation0.01%(3.5)0.51%
AgFirst Farm Credit Bank0.02%(3.5)1.42%
Embrace Home Loans0.02%(3.5)0.87%
Carrington Mortgage Services0.03%(3.5)0.54%
Fairway Independent Mortgage Corporation0.03%(3.5)1.67%
NVR Mortgage Finance Inc0.05%(3.5)3.23%
Quicken Loans0.06%(3.0)14.06%
Homespire Mortgage0.07%(3.0)2.14%
Integrity Home Mortgage Corp0.07%(3.0)12.10%
HomeAmerican Mortgage Corporation0.08%(3.0)1.09%
Navy Federal Credit Union0.13%(3.0)5.30%
Mr. Cooper0.20%(2.5)1.38%
Lender NameRate DifferenceRate RatingMarket Share
George Mason Mortgage-0.24%(4.5)4.43%
First Heritage Mortgage-0.20%(4.5)1.78%
Bank of America-0.19%(4.5)1.35%
Wells Fargo Bank-0.17%(4.5)5.54%
Atlantic Coast Mortgage-0.14%(4.0)3.08%
McLean Mortgage Corporation-0.12%(4.0)4.86%
Apple Federal Credit Union-0.11%(4.0)2.22%
SunTrust Bank-0.09%(4.0)1.11%
Movement Mortgage-0.08%(4.0)1.17%
CBM Mortgage-0.05%(3.5)4.12%
Truist Bank-0.05%(3.5)2.46%
Northwest Federal Credit Union-0.04%(3.5)0.98%
Prosperity Home Mortgage LLC-0.04%(3.5)1.48%
PennyMac Loan Services-0.03%(3.5)0.18%
Finance of America Mortgage-0.03%(3.5)3.63%
Caliber Home Loans-0.02%(3.5)1.11%
Intercoastal Mortgage Company-0.02%(3.5)1.42%
Shea Mortgage-0.02%(3.5)2.71%
F&M Bank VA-0.02%(3.5)2.22%
Home Point Financial Corporation-0.01%(3.5)0.68%
Residential Mortgage Services-0.01%(3.5)1.29%
Freedom Mortgage Corporation0.00%(3.5)0.25%
Atlantic Bay Mortgage Group0.00%(3.5)1.29%
ALCOVA Mortgage0.02%(3.5)1.91%
Mr. Cooper0.02%(3.5)0.06%
Carrington Mortgage Services0.02%(3.5)0.18%
Embrace Home Loans0.03%(3.5)0.98%
AgFirst Farm Credit Bank0.04%(3.5)1.11%
NVR Mortgage Finance Inc0.05%(3.0)5.48%
Fairway Independent Mortgage Corporation0.06%(3.0)1.97%
Quicken Loans0.06%(3.0)5.54%
HomeAmerican Mortgage Corporation0.08%(3.0)1.85%
Homespire Mortgage0.09%(3.0)2.83%
Integrity Home Mortgage Corp0.11%(3.0)15.63%
Navy Federal Credit Union0.29%(2.0)5.60%
Lender NameRate DifferenceRate RatingMarket Share
Apple Federal Credit Union-0.23%(4.5)3.99%
Navy Federal Credit Union-0.13%(4.0)4.88%
ALCOVA Mortgage-0.12%(4.0)2.84%
McLean Mortgage Corporation-0.09%(4.0)1.42%
Atlantic Coast Mortgage-0.08%(4.0)0.89%
George Mason Mortgage-0.07%(4.0)3.28%
Truist Bank-0.07%(4.0)5.41%
Integrity Home Mortgage Corp-0.04%(3.5)7.00%
Residential Mortgage Services-0.04%(3.5)1.33%
First Heritage Mortgage-0.03%(3.5)0.35%
Movement Mortgage-0.03%(3.5)0.35%
Finance of America Mortgage-0.02%(3.5)2.13%
Intercoastal Mortgage Company-0.02%(3.5)0.53%
Fairway Independent Mortgage Corporation-0.01%(3.5)1.24%
Home Point Financial Corporation-0.01%(3.5)0.71%
F&M Bank VA-0.01%(3.5)1.42%
Prosperity Home Mortgage LLC-0.01%(3.5)0.44%
Bank of America-0.01%(3.5)1.15%
SunTrust Bank-0.00%(3.5)1.86%
PennyMac Loan Services0.00%(3.5)1.42%
AgFirst Farm Credit Bank0.00%(3.5)1.86%
Caliber Home Loans0.00%(3.5)1.42%
Embrace Home Loans0.01%(3.5)0.71%
Northwest Federal Credit Union0.01%(3.5)1.42%
Freedom Mortgage Corporation0.01%(3.5)0.89%
Atlantic Bay Mortgage Group0.02%(3.5)1.06%
Carrington Mortgage Services0.02%(3.5)1.06%
Homespire Mortgage0.03%(3.5)1.15%
Quicken Loans0.06%(3.0)26.33%
CBM Mortgage0.08%(3.0)2.84%
Wells Fargo Bank0.15%(3.0)5.94%
Mr. Cooper0.19%(2.5)3.28%
Lender NameRate DifferenceRate RatingMarket Share
HomeAmerican Mortgage Corporation-0.11%(4.0)0.98%
George Mason Mortgage-0.10%(4.0)3.06%
Integrity Home Mortgage Corp-0.06%(4.0)16.67%
Caliber Home Loans-0.05%(3.5)2.57%
Home Point Financial Corporation-0.05%(3.5)2.33%
Atlantic Coast Mortgage-0.04%(3.5)1.84%
McLean Mortgage Corporation-0.04%(3.5)2.94%
F&M Bank VA-0.03%(3.5)1.10%
Quicken Loans-0.03%(3.5)9.80%
ALCOVA Mortgage-0.03%(3.5)2.57%
Movement Mortgage-0.03%(3.5)1.47%
Navy Federal Credit Union-0.03%(3.5)0.49%
Embrace Home Loans-0.02%(3.5)1.59%
First Heritage Mortgage-0.02%(3.5)0.37%
Atlantic Bay Mortgage Group-0.02%(3.5)0.74%
PennyMac Loan Services-0.01%(3.5)1.59%
Prosperity Home Mortgage LLC-0.01%(3.5)0.37%
CBM Mortgage0.01%(3.5)11.15%
Freedom Mortgage Corporation0.01%(3.5)1.72%
NVR Mortgage Finance Inc0.02%(3.5)3.31%
Residential Mortgage Services0.02%(3.5)0.74%
Fairway Independent Mortgage Corporation0.02%(3.5)3.55%
Wells Fargo Bank0.04%(3.5)0.25%
Intercoastal Mortgage Company0.04%(3.5)1.23%
Carrington Mortgage Services0.04%(3.5)3.19%
Mr. Cooper0.07%(3.0)3.19%
Finance of America Mortgage0.11%(3.0)6.25%
Homespire Mortgage0.13%(3.0)5.02%
Lender NameRate DifferenceRate RatingMarket Share
HomeAmerican Mortgage Corporation-0.11%(4.0)1.34%
George Mason Mortgage-0.11%(4.0)4.03%
Integrity Home Mortgage Corp-0.07%(4.0)20.30%
Caliber Home Loans-0.06%(4.0)1.85%
Home Point Financial Corporation-0.05%(4.0)2.18%
Quicken Loans-0.05%(3.5)3.19%
Atlantic Coast Mortgage-0.04%(3.5)2.52%
McLean Mortgage Corporation-0.04%(3.5)3.86%
F&M Bank VA-0.04%(3.5)1.51%
Embrace Home Loans-0.03%(3.5)1.68%
Navy Federal Credit Union-0.03%(3.5)0.50%
Movement Mortgage-0.03%(3.5)2.01%
First Heritage Mortgage-0.02%(3.5)0.50%
Atlantic Bay Mortgage Group-0.02%(3.5)0.50%
Freedom Mortgage Corporation-0.01%(3.5)1.34%
Prosperity Home Mortgage LLC-0.00%(3.5)0.34%
CBM Mortgage0.01%(3.5)13.26%
NVR Mortgage Finance Inc0.01%(3.5)4.53%
ALCOVA Mortgage0.01%(3.5)1.85%
Residential Mortgage Services0.02%(3.5)0.84%
Wells Fargo Bank0.03%(3.5)0.34%
Fairway Independent Mortgage Corporation0.04%(3.5)3.86%
Carrington Mortgage Services0.04%(3.5)2.35%
Intercoastal Mortgage Company0.05%(3.5)1.01%
Mr. Cooper0.08%(3.0)1.51%
Finance of America Mortgage0.13%(3.0)6.21%
Homespire Mortgage0.14%(3.0)6.04%
Lender NameRate DifferenceRate RatingMarket Share
ALCOVA Mortgage-0.07%(4.0)4.55%
Caliber Home Loans-0.03%(3.5)4.55%
Home Point Financial Corporation-0.03%(3.5)2.73%
Fairway Independent Mortgage Corporation-0.02%(3.5)2.73%
Quicken Loans-0.02%(3.5)27.73%
CBM Mortgage-0.02%(3.5)5.45%
Atlantic Bay Mortgage Group-0.02%(3.5)1.36%
Navy Federal Credit Union-0.01%(3.5)0.45%
Integrity Home Mortgage Corp-0.01%(3.5)6.82%
Prosperity Home Mortgage LLC-0.01%(3.5)0.45%
McLean Mortgage Corporation-0.01%(3.5)0.45%
PennyMac Loan Services-0.01%(3.5)5.91%
George Mason Mortgage-0.00%(3.5)0.45%
Residential Mortgage Services-0.00%(3.5)0.45%
Embrace Home Loans0.02%(3.5)1.36%
Freedom Mortgage Corporation0.03%(3.5)2.73%
Intercoastal Mortgage Company0.03%(3.5)1.82%
Homespire Mortgage0.03%(3.5)2.27%
Carrington Mortgage Services0.05%(3.5)5.45%
Finance of America Mortgage0.05%(3.0)6.36%
Mr. Cooper0.07%(3.0)7.73%
Lender NameRate DifferenceRate RatingMarket Share
SunTrust Bank-0.01%(3.5)8.33%
Apple Federal Credit Union-0.01%(3.5)4.17%
Bank of America-0.01%(3.5)12.50%
Quicken Loans-0.01%(3.5)4.17%
Northwest Federal Credit Union-0.00%(3.5)8.33%
Navy Federal Credit Union-0.00%(3.5)8.33%
Fairway Independent Mortgage Corporation0.00%(3.5)4.17%
Residential Mortgage Services0.00%(3.5)8.33%
Finance of America Mortgage0.00%(3.5)4.17%
Truist Bank0.01%(3.5)33.33%
Wells Fargo Bank0.01%(3.5)4.17%
Lender NameRate DifferenceRate RatingMarket Share
SunTrust Bank-0.01%(3.5)6.67%
Navy Federal Credit Union-0.01%(3.5)6.67%
Apple Federal Credit Union-0.01%(3.5)6.67%
Bank of America-0.01%(3.5)13.33%
Quicken Loans-0.00%(3.5)6.67%
Northwest Federal Credit Union-0.00%(3.5)6.67%
Fairway Independent Mortgage Corporation0.00%(3.5)6.67%
Residential Mortgage Services0.00%(3.5)13.33%
Finance of America Mortgage0.00%(3.5)6.67%
Truist Bank0.00%(3.5)20.00%
Wells Fargo Bank0.02%(3.5)6.67%
Lender NameRate DifferenceRate RatingMarket Share
SunTrust Bank-0.01%(3.5)11.11%
Bank of America-0.01%(3.5)11.11%
Northwest Federal Credit Union-0.01%(3.5)11.11%
Navy Federal Credit Union-0.00%(3.5)11.11%
Truist Bank0.01%(3.5)55.56%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.15%(4.5)12.23%
Caliber Home Loans-0.04%(3.5)4.08%
PennyMac Loan Services-0.01%(3.5)4.66%
HomeAmerican Mortgage Corporation-0.01%(3.5)2.14%
Wells Fargo Bank-0.01%(3.5)1.94%
Atlantic Coast Mortgage-0.00%(3.5)1.94%
Intercoastal Mortgage Company-0.00%(3.5)1.17%
Movement Mortgage0.00%(3.5)1.17%
Home Point Financial Corporation0.00%(3.5)2.72%
Homespire Mortgage0.01%(3.5)2.14%
Residential Mortgage Services0.01%(3.5)0.39%
First Heritage Mortgage0.02%(3.5)1.17%
SunTrust Bank0.02%(3.5)0.39%
Truist Bank0.02%(3.5)0.39%
Prosperity Home Mortgage LLC0.02%(3.5)1.55%
F&M Bank VA0.02%(3.5)0.19%
Shea Mortgage0.02%(3.5)0.78%
Finance of America Mortgage0.03%(3.5)4.27%
McLean Mortgage Corporation0.03%(3.5)2.33%
Freedom Mortgage Corporation0.03%(3.5)1.36%
Fairway Independent Mortgage Corporation0.03%(3.5)2.91%
ALCOVA Mortgage0.03%(3.5)1.36%
Atlantic Bay Mortgage Group0.04%(3.5)0.19%
Integrity Home Mortgage Corp0.04%(3.5)12.04%
Quicken Loans0.04%(3.5)7.57%
Mr. Cooper0.05%(3.5)1.75%
Embrace Home Loans0.05%(3.5)1.36%
NVR Mortgage Finance Inc0.06%(3.0)0.78%
George Mason Mortgage0.07%(3.0)2.14%
Carrington Mortgage Services0.08%(3.0)1.94%
CBM Mortgage0.09%(3.0)3.30%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.18%(4.5)15.34%
HomeAmerican Mortgage Corporation-0.01%(3.5)3.51%
Atlantic Coast Mortgage-0.01%(3.5)2.56%
Intercoastal Mortgage Company-0.00%(3.5)1.60%
Wells Fargo Bank-0.00%(3.5)3.19%
Home Point Financial Corporation0.00%(3.5)0.96%
Movement Mortgage0.01%(3.5)0.64%
Freedom Mortgage Corporation0.01%(3.5)0.96%
Residential Mortgage Services0.02%(3.5)0.64%
Homespire Mortgage0.02%(3.5)1.28%
Truist Bank0.02%(3.5)0.32%
SunTrust Bank0.02%(3.5)0.64%
First Heritage Mortgage0.02%(3.5)1.28%
Prosperity Home Mortgage LLC0.02%(3.5)2.56%
F&M Bank VA0.03%(3.5)0.32%
PennyMac Loan Services0.03%(3.5)0.96%
Mr. Cooper0.03%(3.5)1.60%
Shea Mortgage0.03%(3.5)1.28%
Integrity Home Mortgage Corp0.03%(3.5)15.02%
Fairway Independent Mortgage Corporation0.04%(3.5)3.83%
McLean Mortgage Corporation0.04%(3.5)2.88%
ALCOVA Mortgage0.04%(3.5)0.64%
Quicken Loans0.04%(3.5)4.15%
Caliber Home Loans0.05%(3.5)0.96%
Finance of America Mortgage0.06%(3.0)3.83%
NVR Mortgage Finance Inc0.06%(3.0)1.28%
Embrace Home Loans0.08%(3.0)1.28%
George Mason Mortgage0.08%(3.0)2.88%
CBM Mortgage0.10%(3.0)4.79%
Carrington Mortgage Services0.12%(3.0)1.60%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.06%(4.0)8.91%
Navy Federal Credit Union-0.06%(4.0)7.43%
PennyMac Loan Services-0.02%(3.5)10.40%
Finance of America Mortgage-0.01%(3.5)4.95%
Movement Mortgage-0.00%(3.5)1.98%
Embrace Home Loans-0.00%(3.5)1.49%
Home Point Financial Corporation-0.00%(3.5)5.45%
Homespire Mortgage0.00%(3.5)3.47%
Intercoastal Mortgage Company0.01%(3.5)0.50%
First Heritage Mortgage0.01%(3.5)0.99%
McLean Mortgage Corporation0.01%(3.5)1.49%
Atlantic Coast Mortgage0.01%(3.5)0.99%
George Mason Mortgage0.01%(3.5)0.99%
Fairway Independent Mortgage Corporation0.01%(3.5)1.49%
Truist Bank0.02%(3.5)0.50%
ALCOVA Mortgage0.02%(3.5)2.48%
CBM Mortgage0.03%(3.5)0.99%
Atlantic Bay Mortgage Group0.03%(3.5)0.50%
Carrington Mortgage Services0.04%(3.5)2.48%
Quicken Loans0.04%(3.5)12.87%
Freedom Mortgage Corporation0.04%(3.5)1.98%
Integrity Home Mortgage Corp0.06%(3.0)7.43%
Mr. Cooper0.07%(3.0)1.98%

* 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 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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