Top Mortgage Lenders in Stafford Courthouse, VA

Lender Rankings / Last Updated: January 25, 2021

Which mortgage lender in the Stafford Courthouse, 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 Stafford Courthouse, 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 Stafford Courthouse, VA area in terms of interest rate is Virginia Credit Union, with an average “Rate Difference” of -0.15%. This means that, comparing similar borrowers, Virginia Credit Union provided a -0.15% lower interest rate for its customers than other lenders in the area. Virginia Credit Union has a market share of 1.3%. On the other hand, the most popular lender in the Stafford Courthouse, VA area is Quicken Loans, with a larger market share of 9.3%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.13% compared to those of other lenders. We recommend shopping around before going with this popular lender.

Our detailed ranking of mortgage lenders in the Stafford Courthouse, 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 Stafford Courthouse, VA is Virginia Credit Union. 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 Truist Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Freedom Bank of Virginia. 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 Stafford Courthouse, VA

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Virginia Credit Union-0.15%(4.5)1.30%
Ameris Bank-0.11%(4.0)1.01%
Stearns Home Loans-0.11%(4.0)1.16%
Credit Union Mortgage Association-0.10%(4.0)0.45%
loanDepot-0.09%(4.0)3.07%
McLean Mortgage Corporation-0.09%(4.0)2.91%
Freedom Bank of Virginia-0.08%(4.0)0.91%
Prosperity Home Mortgage LLC-0.07%(4.0)1.76%
Amerisave Mortgage Corporation-0.07%(4.0)0.39%
CapCenter-0.07%(4.0)0.45%
Atlantic Bay Mortgage Group-0.07%(4.0)1.40%
Pulte Mortgage LLC-0.06%(4.0)0.82%
George Mason Mortgage-0.06%(4.0)4.60%
Movement Mortgage-0.06%(4.0)7.20%
Summit Mortgage Corporation-0.05%(4.0)0.48%
Bank of America-0.05%(4.0)1.03%
Lakeview Loan Servicing-0.05%(3.5)0.72%
Atlantic Coast Mortgage-0.05%(3.5)5.48%
Truist Bank-0.05%(3.5)1.17%
Guaranteed Rate-0.05%(3.5)2.11%
M&T Bank-0.04%(3.5)0.57%
Home Point Financial Corporation-0.04%(3.5)0.67%
Caliber Home Loans-0.03%(3.5)2.52%
Pentagon Federal Credit Union-0.03%(3.5)0.45%
JPMorgan Chase Bank-0.02%(3.5)0.66%
Network Capital Funding Corporation-0.02%(3.5)0.53%
TowneBank-0.02%(3.5)0.82%
Intercoastal Mortgage Company-0.02%(3.5)0.55%
First Heritage Mortgage-0.02%(3.5)3.28%
Home Savings & Trust Mortgage-0.01%(3.5)0.46%
NBKC Bank-0.01%(3.5)0.37%
PennyMac Loan Services-0.01%(3.5)2.21%
NewRez-0.01%(3.5)1.76%
Navy Federal Credit Union-0.01%(3.5)6.38%
C&F Mortgage Corp-0.00%(3.5)1.47%
Wells Fargo Bank0.00%(3.5)2.14%
First Savings Mortgage0.00%(3.5)0.37%
OVM Financial0.01%(3.5)0.48%
Flagstar Bank0.01%(3.5)0.78%
SunTrust Bank0.01%(3.5)0.79%
NFM Lending0.01%(3.5)0.55%
PNC Bank0.01%(3.5)1.01%
Johnson Mortgage Company0.01%(3.5)0.57%
USAA0.02%(3.5)2.84%
Waterstone Mortgage Corporation0.02%(3.5)0.56%
HomeBridge Financial Services0.02%(3.5)0.54%
Vellum Mortgage0.02%(3.5)0.80%
Fairway Independent Mortgage Corporation0.03%(3.5)1.64%
Integrity Home Mortgage Corp0.03%(3.5)0.83%
Homeside Financial0.04%(3.5)0.37%
Cardinal Financial Company0.04%(3.5)0.53%
First Equity Mortgage0.04%(3.5)0.62%
ALCOVA Mortgage0.05%(3.5)0.85%
Embrace Home Loans0.05%(3.5)1.94%
Atlantic Union Bank0.06%(3.0)0.61%
K. Hovnanian American Mortgage0.08%(3.0)0.68%
Carrington Mortgage Services0.09%(3.0)1.38%
Freedom Mortgage Corporation0.10%(3.0)1.45%
The Federal Savings Bank0.11%(3.0)1.36%
Quicken Loans0.13%(3.0)9.30%
NVR Mortgage Finance Inc0.13%(3.0)2.75%
City Lending Inc0.13%(3.0)0.41%
Planet Home Lending0.17%(2.5)0.41%
Homespire Mortgage0.18%(2.5)0.74%
Mr. Cooper0.20%(2.5)1.59%
Lender NameRate DifferenceRate RatingMarket Share
Stearns Home Loans-0.12%(4.0)1.36%
Ameris Bank-0.11%(4.0)1.02%
McLean Mortgage Corporation-0.09%(4.0)3.85%
Virginia Credit Union-0.09%(4.0)0.77%
Freedom Bank of Virginia-0.09%(4.0)1.10%
Truist Bank-0.08%(4.0)0.92%
Wells Fargo Bank-0.08%(4.0)2.05%
Prosperity Home Mortgage LLC-0.07%(4.0)2.67%
George Mason Mortgage-0.06%(4.0)5.76%
Atlantic Bay Mortgage Group-0.06%(4.0)1.85%
Summit Mortgage Corporation-0.05%(4.0)0.69%
Pulte Mortgage LLC-0.05%(4.0)1.40%
PNC Bank-0.05%(3.5)0.43%
Movement Mortgage-0.04%(3.5)9.62%
Bank of America-0.04%(3.5)0.87%
Pentagon Federal Credit Union-0.03%(3.5)0.37%
Credit Union Mortgage Association-0.03%(3.5)0.33%
M&T Bank-0.03%(3.5)0.69%
Atlantic Coast Mortgage-0.03%(3.5)7.32%
TowneBank-0.02%(3.5)0.96%
JPMorgan Chase Bank-0.02%(3.5)0.41%
CapCenter-0.01%(3.5)0.22%
SunTrust Bank-0.01%(3.5)0.57%
Home Point Financial Corporation-0.01%(3.5)0.28%
NewRez-0.01%(3.5)1.47%
Intercoastal Mortgage Company-0.01%(3.5)0.67%
First Heritage Mortgage-0.00%(3.5)5.05%
Home Savings & Trust Mortgage-0.00%(3.5)0.59%
PennyMac Loan Services-0.00%(3.5)0.28%
C&F Mortgage Corp0.00%(3.5)1.85%
NBKC Bank0.00%(3.5)0.28%
Guaranteed Rate0.00%(3.5)2.22%
Atlantic Union Bank0.01%(3.5)0.35%
First Savings Mortgage0.01%(3.5)0.47%
loanDepot0.02%(3.5)1.55%
Johnson Mortgage Company0.02%(3.5)0.63%
OVM Financial0.02%(3.5)0.73%
Navy Federal Credit Union0.02%(3.5)7.34%
Caliber Home Loans0.02%(3.5)2.05%
Waterstone Mortgage Corporation0.02%(3.5)0.57%
HomeBridge Financial Services0.02%(3.5)0.31%
NFM Lending0.02%(3.5)0.69%
Network Capital Funding Corporation0.03%(3.5)0.02%
The Federal Savings Bank0.03%(3.5)0.88%
Amerisave Mortgage Corporation0.03%(3.5)0.04%
Lakeview Loan Servicing0.03%(3.5)0.04%
Freedom Mortgage Corporation0.03%(3.5)1.06%
Quicken Loans0.04%(3.5)2.79%
Integrity Home Mortgage Corp0.04%(3.5)0.98%
USAA0.04%(3.5)3.24%
Vellum Mortgage0.04%(3.5)1.08%
Homeside Financial0.04%(3.5)0.47%
First Equity Mortgage0.06%(3.0)1.06%
ALCOVA Mortgage0.06%(3.0)1.12%
Flagstar Bank0.06%(3.0)0.39%
Carrington Mortgage Services0.06%(3.0)0.55%
Fairway Independent Mortgage Corporation0.06%(3.0)1.97%
Embrace Home Loans0.07%(3.0)2.38%
Cardinal Financial Company0.07%(3.0)0.47%
K. Hovnanian American Mortgage0.09%(3.0)1.16%
NVR Mortgage Finance Inc0.14%(3.0)4.70%
City Lending Inc0.16%(2.5)0.61%
Mr. Cooper0.18%(2.5)0.73%
Homespire Mortgage0.21%(2.5)1.08%
Planet Home Lending0.23%(2.5)0.55%
Lender NameRate DifferenceRate RatingMarket Share
Virginia Credit Union-0.20%(4.5)2.05%
Credit Union Mortgage Association-0.16%(4.5)0.61%
loanDepot-0.15%(4.5)5.20%
Ameris Bank-0.12%(4.0)1.00%
Guaranteed Rate-0.12%(4.0)1.96%
CapCenter-0.10%(4.0)0.77%
Movement Mortgage-0.10%(4.0)3.79%
Amerisave Mortgage Corporation-0.09%(4.0)0.89%
Atlantic Coast Mortgage-0.09%(4.0)2.90%
Stearns Home Loans-0.08%(4.0)0.89%
Caliber Home Loans-0.08%(4.0)3.18%
Bank of America-0.07%(4.0)1.27%
Lakeview Loan Servicing-0.07%(4.0)1.69%
McLean Mortgage Corporation-0.07%(4.0)1.58%
Atlantic Bay Mortgage Group-0.06%(4.0)0.77%
Home Point Financial Corporation-0.06%(4.0)1.22%
M&T Bank-0.06%(4.0)0.41%
Prosperity Home Mortgage LLC-0.05%(4.0)0.47%
Fairway Independent Mortgage Corporation-0.05%(3.5)1.19%
George Mason Mortgage-0.04%(3.5)2.96%
Navy Federal Credit Union-0.04%(3.5)5.03%
Freedom Bank of Virginia-0.04%(3.5)0.64%
JPMorgan Chase Bank-0.04%(3.5)1.00%
Network Capital Funding Corporation-0.04%(3.5)1.24%
Intercoastal Mortgage Company-0.04%(3.5)0.39%
First Heritage Mortgage-0.04%(3.5)0.77%
Home Savings & Trust Mortgage-0.03%(3.5)0.28%
NBKC Bank-0.03%(3.5)0.50%
Pentagon Federal Credit Union-0.03%(3.5)0.55%
Flagstar Bank-0.03%(3.5)1.33%
USAA-0.03%(3.5)2.27%
PennyMac Loan Services-0.03%(3.5)4.92%
Vellum Mortgage-0.02%(3.5)0.41%
Planet Home Lending-0.02%(3.5)0.22%
Truist Bank-0.02%(3.5)1.52%
Summit Mortgage Corporation-0.02%(3.5)0.19%
NewRez-0.01%(3.5)2.16%
NFM Lending-0.01%(3.5)0.36%
First Savings Mortgage-0.01%(3.5)0.22%
TowneBank-0.01%(3.5)0.61%
C&F Mortgage Corp0.00%(3.5)0.94%
City Lending Inc0.00%(3.5)0.14%
HomeBridge Financial Services0.00%(3.5)0.86%
OVM Financial0.00%(3.5)0.14%
Cardinal Financial Company0.01%(3.5)0.61%
Embrace Home Loans0.01%(3.5)1.33%
Johnson Mortgage Company0.01%(3.5)0.50%
Waterstone Mortgage Corporation0.01%(3.5)0.55%
SunTrust Bank0.01%(3.5)1.11%
PNC Bank0.02%(3.5)1.83%
Integrity Home Mortgage Corp0.02%(3.5)0.61%
Homespire Mortgage0.03%(3.5)0.25%
ALCOVA Mortgage0.03%(3.5)0.47%
Homeside Financial0.05%(3.0)0.22%
Atlantic Union Bank0.08%(3.0)0.97%
Carrington Mortgage Services0.09%(3.0)2.54%
Wells Fargo Bank0.10%(3.0)2.27%
Quicken Loans0.13%(3.0)18.45%
Freedom Mortgage Corporation0.13%(3.0)1.99%
The Federal Savings Bank0.15%(2.5)2.02%
Mr. Cooper0.20%(2.5)2.79%
Lender NameRate DifferenceRate RatingMarket Share
Virginia Credit Union-0.17%(4.5)2.15%
Ameris Bank-0.14%(4.0)1.39%
McLean Mortgage Corporation-0.14%(4.0)2.93%
Atlantic Coast Mortgage-0.14%(4.0)5.17%
Prosperity Home Mortgage LLC-0.11%(4.0)1.92%
Credit Union Mortgage Association-0.10%(4.0)0.83%
loanDepot-0.10%(4.0)2.91%
Amerisave Mortgage Corporation-0.10%(4.0)0.53%
First Heritage Mortgage-0.10%(4.0)3.60%
Pulte Mortgage LLC-0.09%(4.0)1.22%
Atlantic Bay Mortgage Group-0.09%(4.0)1.39%
Movement Mortgage-0.08%(4.0)7.32%
George Mason Mortgage-0.07%(4.0)5.20%
CapCenter-0.07%(4.0)0.83%
Summit Mortgage Corporation-0.06%(4.0)0.81%
Bank of America-0.05%(3.5)2.06%
Truist Bank-0.05%(3.5)2.10%
M&T Bank-0.05%(3.5)0.76%
Intercoastal Mortgage Company-0.04%(3.5)0.69%
TowneBank-0.04%(3.5)0.88%
Home Point Financial Corporation-0.04%(3.5)0.32%
Guaranteed Rate-0.04%(3.5)1.15%
Stearns Home Loans-0.03%(3.5)0.30%
Freedom Bank of Virginia-0.03%(3.5)0.76%
Home Savings & Trust Mortgage-0.02%(3.5)0.28%
JPMorgan Chase Bank-0.02%(3.5)1.29%
Pentagon Federal Credit Union-0.02%(3.5)0.51%
C&F Mortgage Corp-0.02%(3.5)1.78%
Network Capital Funding Corporation-0.01%(3.5)0.55%
NBKC Bank0.00%(3.5)0.23%
First Savings Mortgage0.01%(3.5)0.58%
Fairway Independent Mortgage Corporation0.01%(3.5)1.02%
Wells Fargo Bank0.01%(3.5)3.65%
SunTrust Bank0.01%(3.5)1.34%
Planet Home Lending0.01%(3.5)0.07%
Johnson Mortgage Company0.01%(3.5)0.69%
PNC Bank0.01%(3.5)1.89%
Lakeview Loan Servicing0.02%(3.5)0.07%
HomeBridge Financial Services0.02%(3.5)0.14%
NFM Lending0.02%(3.5)0.60%
City Lending Inc0.02%(3.5)0.25%
USAA0.02%(3.5)1.36%
NewRez0.02%(3.5)1.80%
Vellum Mortgage0.02%(3.5)0.85%
Waterstone Mortgage Corporation0.03%(3.5)0.44%
Cardinal Financial Company0.03%(3.5)0.30%
K. Hovnanian American Mortgage0.03%(3.5)0.44%
OVM Financial0.03%(3.5)0.14%
Flagstar Bank0.04%(3.5)0.42%
First Equity Mortgage0.04%(3.5)0.42%
The Federal Savings Bank0.04%(3.5)0.97%
ALCOVA Mortgage0.05%(3.5)0.90%
Embrace Home Loans0.05%(3.0)1.85%
Carrington Mortgage Services0.05%(3.0)0.35%
Integrity Home Mortgage Corp0.05%(3.0)0.60%
Homeside Financial0.06%(3.0)0.37%
Caliber Home Loans0.06%(3.0)1.55%
Atlantic Union Bank0.08%(3.0)1.04%
PennyMac Loan Services0.08%(3.0)0.79%
Freedom Mortgage Corporation0.09%(3.0)0.62%
Homespire Mortgage0.10%(3.0)0.42%
Quicken Loans0.12%(3.0)13.16%
NVR Mortgage Finance Inc0.13%(3.0)2.86%
Navy Federal Credit Union0.27%(2.0)5.15%
Mr. Cooper0.29%(2.0)1.04%
Lender NameRate DifferenceRate RatingMarket Share
McLean Mortgage Corporation-0.15%(4.5)3.78%
Atlantic Coast Mortgage-0.13%(4.0)7.34%
Ameris Bank-0.12%(4.0)1.40%
Virginia Credit Union-0.10%(4.0)1.15%
Prosperity Home Mortgage LLC-0.09%(4.0)3.14%
Wells Fargo Bank-0.09%(4.0)3.40%
Truist Bank-0.09%(4.0)1.74%
First Heritage Mortgage-0.09%(4.0)5.65%
Atlantic Bay Mortgage Group-0.08%(4.0)1.61%
George Mason Mortgage-0.07%(4.0)6.41%
Pulte Mortgage LLC-0.07%(4.0)2.25%
Movement Mortgage-0.06%(4.0)10.40%
Summit Mortgage Corporation-0.05%(4.0)1.23%
PNC Bank-0.04%(3.5)0.81%
TowneBank-0.03%(3.5)1.19%
Credit Union Mortgage Association-0.03%(3.5)0.59%
Intercoastal Mortgage Company-0.03%(3.5)0.85%
Bank of America-0.03%(3.5)1.83%
loanDepot-0.02%(3.5)1.40%
Freedom Bank of Virginia-0.02%(3.5)0.72%
M&T Bank-0.02%(3.5)0.89%
C&F Mortgage Corp-0.02%(3.5)2.08%
Stearns Home Loans-0.01%(3.5)0.38%
Pentagon Federal Credit Union-0.01%(3.5)0.38%
Guaranteed Rate-0.01%(3.5)1.19%
Home Savings & Trust Mortgage-0.01%(3.5)0.47%
JPMorgan Chase Bank-0.00%(3.5)0.85%
SunTrust Bank-0.00%(3.5)1.02%
CapCenter-0.00%(3.5)0.42%
Home Point Financial Corporation0.01%(3.5)0.13%
Johnson Mortgage Company0.02%(3.5)0.72%
Atlantic Union Bank0.02%(3.5)0.47%
First Savings Mortgage0.03%(3.5)0.85%
Carrington Mortgage Services0.03%(3.5)0.17%
Waterstone Mortgage Corporation0.03%(3.5)0.34%
Planet Home Lending0.03%(3.5)0.08%
NBKC Bank0.03%(3.5)0.13%
PennyMac Loan Services0.03%(3.5)0.21%
Fairway Independent Mortgage Corporation0.04%(3.5)1.40%
Amerisave Mortgage Corporation0.04%(3.5)0.04%
Network Capital Funding Corporation0.04%(3.5)0.04%
City Lending Inc0.04%(3.5)0.42%
NFM Lending0.04%(3.5)0.85%
HomeBridge Financial Services0.04%(3.5)0.08%
Cardinal Financial Company0.04%(3.5)0.08%
Lakeview Loan Servicing0.05%(3.5)0.04%
OVM Financial0.05%(3.0)0.21%
The Federal Savings Bank0.05%(3.0)1.02%
K. Hovnanian American Mortgage0.05%(3.0)0.81%
USAA0.05%(3.0)1.78%
Quicken Loans0.06%(3.0)3.31%
NewRez0.06%(3.0)1.36%
Vellum Mortgage0.06%(3.0)1.10%
First Equity Mortgage0.06%(3.0)0.76%
ALCOVA Mortgage0.06%(3.0)1.32%
Homeside Financial0.06%(3.0)0.42%
Integrity Home Mortgage Corp0.07%(3.0)0.59%
Caliber Home Loans0.07%(3.0)1.87%
Flagstar Bank0.08%(3.0)0.38%
Embrace Home Loans0.08%(3.0)2.29%
Freedom Mortgage Corporation0.10%(3.0)0.47%
Homespire Mortgage0.15%(3.0)0.55%
NVR Mortgage Finance Inc0.16%(2.5)5.26%
Navy Federal Credit Union0.42%(1.5)5.86%
Lender NameRate DifferenceRate RatingMarket Share
Virginia Credit Union-0.22%(4.5)3.34%
Credit Union Mortgage Association-0.16%(4.5)1.11%
Ameris Bank-0.16%(4.5)1.37%
loanDepot-0.15%(4.0)4.71%
Movement Mortgage-0.13%(4.0)3.65%
Amerisave Mortgage Corporation-0.13%(4.0)1.11%
Atlantic Coast Mortgage-0.12%(4.0)2.58%
CapCenter-0.12%(4.0)1.32%
Atlantic Bay Mortgage Group-0.09%(4.0)1.11%
McLean Mortgage Corporation-0.08%(4.0)1.93%
M&T Bank-0.08%(4.0)0.61%
Bank of America-0.08%(4.0)2.33%
Prosperity Home Mortgage LLC-0.08%(4.0)0.46%
Home Point Financial Corporation-0.07%(4.0)0.56%
Guaranteed Rate-0.06%(4.0)1.11%
Intercoastal Mortgage Company-0.06%(4.0)0.51%
George Mason Mortgage-0.06%(4.0)3.75%
First Heritage Mortgage-0.05%(4.0)1.17%
JPMorgan Chase Bank-0.05%(3.5)1.82%
Network Capital Funding Corporation-0.04%(3.5)1.17%
USAA-0.04%(3.5)0.86%
Fairway Independent Mortgage Corporation-0.04%(3.5)0.56%
Freedom Bank of Virginia-0.04%(3.5)0.81%
TowneBank-0.04%(3.5)0.51%
Stearns Home Loans-0.04%(3.5)0.20%
Pentagon Federal Credit Union-0.03%(3.5)0.66%
Vellum Mortgage-0.03%(3.5)0.56%
Summit Mortgage Corporation-0.03%(3.5)0.30%
NBKC Bank-0.03%(3.5)0.35%
Truist Bank-0.03%(3.5)2.53%
NewRez-0.02%(3.5)2.33%
Lakeview Loan Servicing-0.02%(3.5)0.10%
Home Savings & Trust Mortgage-0.02%(3.5)0.05%
First Savings Mortgage-0.01%(3.5)0.25%
Flagstar Bank-0.01%(3.5)0.46%
HomeBridge Financial Services-0.01%(3.5)0.20%
NFM Lending-0.01%(3.5)0.30%
City Lending Inc-0.01%(3.5)0.05%
Planet Home Lending-0.00%(3.5)0.05%
C&F Mortgage Corp-0.00%(3.5)1.42%
Embrace Home Loans0.00%(3.5)1.32%
Johnson Mortgage Company0.00%(3.5)0.66%
Cardinal Financial Company0.00%(3.5)0.56%
SunTrust Bank0.01%(3.5)1.72%
PNC Bank0.01%(3.5)3.19%
Waterstone Mortgage Corporation0.01%(3.5)0.56%
The Federal Savings Bank0.02%(3.5)0.91%
OVM Financial0.02%(3.5)0.05%
Homespire Mortgage0.03%(3.5)0.25%
Integrity Home Mortgage Corp0.04%(3.5)0.61%
Carrington Mortgage Services0.04%(3.5)0.56%
Navy Federal Credit Union0.04%(3.5)4.31%
ALCOVA Mortgage0.05%(3.5)0.41%
Caliber Home Loans0.05%(3.0)1.17%
Homeside Financial0.07%(3.0)0.30%
PennyMac Loan Services0.07%(3.0)1.47%
Freedom Mortgage Corporation0.07%(3.0)0.81%
Atlantic Union Bank0.07%(3.0)1.72%
Wells Fargo Bank0.10%(3.0)3.95%
Quicken Loans0.10%(3.0)24.92%
Mr. Cooper0.26%(2.0)2.28%
Lender NameRate DifferenceRate RatingMarket Share
Freedom Bank of Virginia-0.15%(4.0)2.16%
George Mason Mortgage-0.12%(4.0)4.77%
Atlantic Bay Mortgage Group-0.11%(4.0)1.57%
Stearns Home Loans-0.09%(4.0)1.18%
Movement Mortgage-0.09%(4.0)9.87%
Ameris Bank-0.07%(4.0)0.78%
McLean Mortgage Corporation-0.07%(4.0)3.73%
Virginia Credit Union-0.07%(4.0)0.98%
NewRez-0.07%(4.0)2.22%
Navy Federal Credit Union-0.07%(4.0)0.65%
Caliber Home Loans-0.07%(4.0)3.14%
M&T Bank-0.06%(4.0)0.78%
Prosperity Home Mortgage LLC-0.05%(3.5)1.24%
Waterstone Mortgage Corporation-0.03%(3.5)0.98%
OVM Financial-0.03%(3.5)0.92%
TowneBank-0.03%(3.5)0.78%
Credit Union Mortgage Association-0.03%(3.5)0.13%
Home Point Financial Corporation-0.03%(3.5)1.05%
PennyMac Loan Services-0.02%(3.5)0.78%
The Federal Savings Bank-0.02%(3.5)1.11%
HomeBridge Financial Services-0.02%(3.5)1.24%
C&F Mortgage Corp-0.02%(3.5)2.42%
Home Savings & Trust Mortgage-0.02%(3.5)0.26%
PNC Bank-0.02%(3.5)0.26%
Johnson Mortgage Company-0.01%(3.5)0.39%
Summit Mortgage Corporation-0.01%(3.5)0.20%
NBKC Bank-0.01%(3.5)0.13%
Integrity Home Mortgage Corp-0.01%(3.5)1.31%
NFM Lending-0.01%(3.5)0.92%
Atlantic Union Bank-0.01%(3.5)0.46%
Vellum Mortgage-0.01%(3.5)1.18%
First Equity Mortgage-0.01%(3.5)0.46%
K. Hovnanian American Mortgage-0.00%(3.5)0.39%
Carrington Mortgage Services-0.00%(3.5)2.94%
Bank of America-0.00%(3.5)0.07%
Truist Bank-0.00%(3.5)0.13%
loanDepot0.00%(3.5)2.42%
Cardinal Financial Company0.00%(3.5)1.37%
SunTrust Bank0.00%(3.5)0.07%
First Heritage Mortgage0.01%(3.5)3.53%
Amerisave Mortgage Corporation0.01%(3.5)0.20%
Freedom Mortgage Corporation0.01%(3.5)1.90%
Homeside Financial0.01%(3.5)0.78%
Fairway Independent Mortgage Corporation0.01%(3.5)1.96%
Intercoastal Mortgage Company0.02%(3.5)0.59%
Flagstar Bank0.02%(3.5)0.52%
Pulte Mortgage LLC0.02%(3.5)0.26%
Network Capital Funding Corporation0.03%(3.5)0.26%
Guaranteed Rate0.03%(3.5)1.11%
Atlantic Coast Mortgage0.03%(3.5)6.60%
ALCOVA Mortgage0.04%(3.5)1.18%
Lakeview Loan Servicing0.05%(3.0)0.92%
Embrace Home Loans0.05%(3.0)3.20%
Quicken Loans0.06%(3.0)7.32%
Mr. Cooper0.12%(3.0)3.86%
NVR Mortgage Finance Inc0.13%(3.0)5.23%
City Lending Inc0.17%(2.5)1.57%
Homespire Mortgage0.23%(2.5)2.55%
Planet Home Lending0.23%(2.5)1.05%
Lender NameRate DifferenceRate RatingMarket Share
Freedom Bank of Virginia-0.16%(4.5)2.27%
George Mason Mortgage-0.13%(4.0)5.51%
Atlantic Bay Mortgage Group-0.12%(4.0)1.92%
NewRez-0.11%(4.0)1.84%
Stearns Home Loans-0.10%(4.0)1.31%
Movement Mortgage-0.09%(4.0)11.45%
Ameris Bank-0.08%(4.0)0.87%
McLean Mortgage Corporation-0.07%(4.0)4.72%
Navy Federal Credit Union-0.07%(4.0)0.79%
Caliber Home Loans-0.06%(4.0)2.36%
Virginia Credit Union-0.06%(4.0)0.70%
M&T Bank-0.06%(4.0)0.96%
Prosperity Home Mortgage LLC-0.04%(3.5)1.66%
Home Point Financial Corporation-0.04%(3.5)0.70%
Waterstone Mortgage Corporation-0.03%(3.5)1.14%
Home Savings & Trust Mortgage-0.03%(3.5)0.17%
TowneBank-0.03%(3.5)0.96%
OVM Financial-0.03%(3.5)1.22%
Freedom Mortgage Corporation-0.03%(3.5)1.49%
PNC Bank-0.02%(3.5)0.26%
Credit Union Mortgage Association-0.02%(3.5)0.17%
The Federal Savings Bank-0.02%(3.5)1.31%
C&F Mortgage Corp-0.01%(3.5)2.88%
Johnson Mortgage Company-0.01%(3.5)0.44%
Summit Mortgage Corporation-0.01%(3.5)0.26%
loanDepot-0.01%(3.5)2.27%
Integrity Home Mortgage Corp-0.01%(3.5)1.49%
Carrington Mortgage Services-0.01%(3.5)1.22%
Atlantic Union Bank-0.00%(3.5)0.52%
Vellum Mortgage-0.00%(3.5)1.49%
PennyMac Loan Services-0.00%(3.5)0.09%
First Equity Mortgage-0.00%(3.5)0.61%
HomeBridge Financial Services-0.00%(3.5)0.61%
K. Hovnanian American Mortgage0.00%(3.5)0.52%
NFM Lending0.00%(3.5)0.70%
Bank of America0.00%(3.5)0.09%
Quicken Loans0.01%(3.5)2.71%
SunTrust Bank0.01%(3.5)0.09%
Lakeview Loan Servicing0.01%(3.5)0.09%
Cardinal Financial Company0.01%(3.5)1.22%
First Heritage Mortgage0.01%(3.5)4.55%
Truist Bank0.01%(3.5)0.09%
Homeside Financial0.02%(3.5)0.87%
Fairway Independent Mortgage Corporation0.02%(3.5)2.19%
Intercoastal Mortgage Company0.03%(3.5)0.70%
Pulte Mortgage LLC0.03%(3.5)0.35%
Flagstar Bank0.04%(3.5)0.44%
Guaranteed Rate0.04%(3.5)1.31%
Atlantic Coast Mortgage0.05%(3.5)8.04%
ALCOVA Mortgage0.05%(3.0)1.22%
Embrace Home Loans0.06%(3.0)3.50%
NVR Mortgage Finance Inc0.13%(3.0)6.99%
Mr. Cooper0.18%(2.5)2.45%
City Lending Inc0.21%(2.5)1.75%
Homespire Mortgage0.25%(2.5)3.15%
Planet Home Lending0.25%(2.0)1.31%
Lender NameRate DifferenceRate RatingMarket Share
Virginia Credit Union-0.10%(4.0)1.81%
Movement Mortgage-0.09%(4.0)5.18%
Caliber Home Loans-0.09%(4.0)5.44%
Freedom Bank of Virginia-0.08%(4.0)1.81%
Stearns Home Loans-0.05%(3.5)0.78%
HomeBridge Financial Services-0.04%(3.5)3.11%
PennyMac Loan Services-0.04%(3.5)2.85%
George Mason Mortgage-0.04%(3.5)2.59%
Atlantic Coast Mortgage-0.04%(3.5)2.33%
Planet Home Lending-0.04%(3.5)0.26%
NFM Lending-0.03%(3.5)1.55%
Ameris Bank-0.03%(3.5)0.52%
C&F Mortgage Corp-0.03%(3.5)1.04%
NBKC Bank-0.03%(3.5)0.52%
TowneBank-0.03%(3.5)0.26%
Truist Bank-0.02%(3.5)0.26%
Intercoastal Mortgage Company-0.02%(3.5)0.26%
Guaranteed Rate-0.02%(3.5)0.52%
The Federal Savings Bank-0.02%(3.5)0.52%
Integrity Home Mortgage Corp-0.02%(3.5)0.78%
Navy Federal Credit Union-0.02%(3.5)0.26%
Johnson Mortgage Company-0.02%(3.5)0.26%
Atlantic Union Bank-0.02%(3.5)0.26%
Fairway Independent Mortgage Corporation-0.02%(3.5)1.30%
Waterstone Mortgage Corporation-0.02%(3.5)0.52%
Home Point Financial Corporation-0.02%(3.5)2.07%
Vellum Mortgage-0.02%(3.5)0.26%
Cardinal Financial Company-0.02%(3.5)1.81%
M&T Bank-0.02%(3.5)0.26%
Atlantic Bay Mortgage Group-0.02%(3.5)0.52%
Home Savings & Trust Mortgage-0.02%(3.5)0.52%
McLean Mortgage Corporation-0.01%(3.5)0.78%
Carrington Mortgage Services-0.01%(3.5)8.03%
NewRez-0.01%(3.5)3.37%
Homeside Financial-0.01%(3.5)0.52%
Amerisave Mortgage Corporation-0.01%(3.5)0.78%
Flagstar Bank-0.01%(3.5)0.78%
City Lending Inc-0.00%(3.5)1.04%
First Heritage Mortgage0.00%(3.5)0.52%
PNC Bank0.00%(3.5)0.26%
ALCOVA Mortgage0.01%(3.5)1.04%
Homespire Mortgage0.01%(3.5)0.78%
Network Capital Funding Corporation0.02%(3.5)1.04%
loanDepot0.02%(3.5)2.85%
Embrace Home Loans0.04%(3.5)2.33%
Lakeview Loan Servicing0.04%(3.5)3.37%
Freedom Mortgage Corporation0.05%(3.5)3.11%
Quicken Loans0.06%(3.0)20.98%
Mr. Cooper0.07%(3.0)8.03%
Lender NameRate DifferenceRate RatingMarket Share
Truist Bank-0.01%(3.5)23.08%
Navy Federal Credit Union-0.00%(3.5)7.69%
Atlantic Coast Mortgage-0.00%(3.5)7.69%
SunTrust Bank-0.00%(3.5)7.69%
Guaranteed Rate0.00%(3.5)7.69%
Ameris Bank0.00%(3.5)7.69%
Wells Fargo Bank0.00%(3.5)15.38%
Prosperity Home Mortgage LLC0.00%(3.5)7.69%
JPMorgan Chase Bank0.01%(3.5)7.69%
McLean Mortgage Corporation0.01%(3.5)7.69%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.00%(3.5)20.00%
Truist Bank-0.00%(3.5)20.00%
Atlantic Coast Mortgage-0.00%(3.5)20.00%
Prosperity Home Mortgage LLC0.00%(3.5)20.00%
JPMorgan Chase Bank0.01%(3.5)20.00%
Lender NameRate DifferenceRate RatingMarket Share
Truist Bank-0.01%(3.5)25.00%
SunTrust Bank-0.00%(3.5)12.50%
Guaranteed Rate0.00%(3.5)12.50%
Ameris Bank0.00%(3.5)12.50%
Wells Fargo Bank0.00%(3.5)25.00%
McLean Mortgage Corporation0.01%(3.5)12.50%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.19%(4.5)11.35%
Stearns Home Loans-0.13%(4.0)2.48%
loanDepot-0.12%(4.0)3.68%
Lakeview Loan Servicing-0.09%(4.0)1.63%
Caliber Home Loans-0.07%(4.0)3.68%
Guaranteed Rate-0.06%(4.0)4.10%
Freedom Bank of Virginia-0.05%(4.0)0.46%
Home Point Financial Corporation-0.05%(4.0)0.99%
Network Capital Funding Corporation-0.04%(3.5)0.64%
Ameris Bank-0.04%(3.5)0.53%
Pentagon Federal Credit Union-0.04%(3.5)0.60%
Prosperity Home Mortgage LLC-0.03%(3.5)1.77%
PennyMac Loan Services-0.03%(3.5)5.16%
McLean Mortgage Corporation-0.02%(3.5)2.41%
NBKC Bank-0.01%(3.5)0.71%
Amerisave Mortgage Corporation-0.01%(3.5)0.28%
Flagstar Bank-0.01%(3.5)1.49%
NewRez-0.01%(3.5)1.45%
Home Savings & Trust Mortgage-0.01%(3.5)0.85%
Virginia Credit Union-0.00%(3.5)0.18%
Wells Fargo Bank0.00%(3.5)0.92%
George Mason Mortgage0.00%(3.5)3.61%
Atlantic Bay Mortgage Group0.00%(3.5)1.34%
NFM Lending0.00%(3.5)0.28%
PNC Bank0.00%(3.5)0.07%
Summit Mortgage Corporation0.01%(3.5)0.14%
First Savings Mortgage0.01%(3.5)0.25%
CapCenter0.01%(3.5)0.11%
M&T Bank0.01%(3.5)0.18%
Atlantic Union Bank0.01%(3.5)0.04%
Credit Union Mortgage Association0.01%(3.5)0.04%
Movement Mortgage0.01%(3.5)5.59%
Truist Bank0.01%(3.5)0.21%
SunTrust Bank0.02%(3.5)0.32%
OVM Financial0.02%(3.5)0.78%
USAA0.02%(3.5)6.65%
Embrace Home Loans0.02%(3.5)1.41%
Johnson Mortgage Company0.02%(3.5)0.50%
TowneBank0.02%(3.5)0.74%
Intercoastal Mortgage Company0.02%(3.5)0.32%
Homespire Mortgage0.02%(3.5)0.25%
Atlantic Coast Mortgage0.03%(3.5)5.34%
Pulte Mortgage LLC0.03%(3.5)0.50%
Homeside Financial0.03%(3.5)0.14%
Integrity Home Mortgage Corp0.03%(3.5)0.92%
City Lending Inc0.04%(3.5)0.04%
Fairway Independent Mortgage Corporation0.04%(3.5)2.44%
HomeBridge Financial Services0.04%(3.5)0.78%
ALCOVA Mortgage0.04%(3.5)0.60%
Vellum Mortgage0.05%(3.5)0.53%
Waterstone Mortgage Corporation0.05%(3.5)0.53%
First Equity Mortgage0.06%(3.0)1.03%
NVR Mortgage Finance Inc0.09%(3.0)1.24%
C&F Mortgage Corp0.10%(3.0)0.50%
Cardinal Financial Company0.11%(3.0)0.42%
K. Hovnanian American Mortgage0.12%(3.0)1.20%
Planet Home Lending0.13%(3.0)0.60%
Freedom Mortgage Corporation0.13%(3.0)2.48%
First Heritage Mortgage0.14%(3.0)2.65%
Carrington Mortgage Services0.17%(2.5)2.12%
Mr. Cooper0.20%(2.5)1.20%
The Federal Savings Bank0.20%(2.5)2.09%
Quicken Loans0.24%(2.5)4.49%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.22%(4.5)14.24%
Stearns Home Loans-0.15%(4.5)2.85%
Ameris Bank-0.05%(4.0)0.57%
Freedom Bank of Virginia-0.05%(3.5)0.82%
Pentagon Federal Credit Union-0.04%(3.5)0.63%
Prosperity Home Mortgage LLC-0.03%(3.5)2.66%
PennyMac Loan Services-0.02%(3.5)0.51%
NBKC Bank-0.01%(3.5)0.70%
Virginia Credit Union-0.01%(3.5)0.25%
McLean Mortgage Corporation-0.01%(3.5)3.35%
NewRez-0.01%(3.5)1.39%
Guaranteed Rate-0.00%(3.5)4.43%
Summit Mortgage Corporation-0.00%(3.5)0.19%
Wells Fargo Bank0.00%(3.5)1.52%
Home Savings & Trust Mortgage0.00%(3.5)1.08%
Caliber Home Loans0.00%(3.5)2.09%
Atlantic Bay Mortgage Group0.00%(3.5)2.15%
George Mason Mortgage0.01%(3.5)5.00%
Truist Bank0.01%(3.5)0.25%
NFM Lending0.01%(3.5)0.44%
TowneBank0.01%(3.5)0.63%
First Savings Mortgage0.02%(3.5)0.25%
Atlantic Union Bank0.02%(3.5)0.06%
M&T Bank0.02%(3.5)0.19%
Credit Union Mortgage Association0.02%(3.5)0.06%
CapCenter0.02%(3.5)0.06%
HomeBridge Financial Services0.02%(3.5)0.44%
SunTrust Bank0.02%(3.5)0.25%
OVM Financial0.02%(3.5)1.14%
Johnson Mortgage Company0.02%(3.5)0.63%
Home Point Financial Corporation0.03%(3.5)0.19%
Quicken Loans0.03%(3.5)2.09%
Amerisave Mortgage Corporation0.03%(3.5)0.06%
Intercoastal Mortgage Company0.03%(3.5)0.38%
Freedom Mortgage Corporation0.03%(3.5)1.65%
Homespire Mortgage0.03%(3.5)0.38%
The Federal Savings Bank0.04%(3.5)0.38%
USAA0.04%(3.5)7.78%
Embrace Home Loans0.04%(3.5)1.71%
Pulte Mortgage LLC0.04%(3.5)0.89%
Homeside Financial0.04%(3.5)0.25%
Flagstar Bank0.04%(3.5)0.38%
Movement Mortgage0.04%(3.5)7.15%
City Lending Inc0.04%(3.5)0.06%
Integrity Home Mortgage Corp0.05%(3.5)1.20%
ALCOVA Mortgage0.06%(3.0)0.76%
Vellum Mortgage0.06%(3.0)0.76%
First Equity Mortgage0.07%(3.0)1.84%
Atlantic Coast Mortgage0.07%(3.0)6.71%
Waterstone Mortgage Corporation0.07%(3.0)0.51%
loanDepot0.09%(3.0)1.27%
NVR Mortgage Finance Inc0.10%(3.0)2.22%
Fairway Independent Mortgage Corporation0.10%(3.0)2.66%
Mr. Cooper0.11%(3.0)0.57%
C&F Mortgage Corp0.12%(3.0)0.76%
K. Hovnanian American Mortgage0.12%(3.0)2.15%
Carrington Mortgage Services0.14%(3.0)0.63%
First Heritage Mortgage0.15%(3.0)4.56%
Cardinal Financial Company0.15%(2.5)0.51%
Planet Home Lending0.21%(2.5)0.70%
Lender NameRate DifferenceRate RatingMarket Share
loanDepot-0.18%(4.5)6.74%
Guaranteed Rate-0.15%(4.0)3.69%
Navy Federal Credit Union-0.12%(4.0)7.70%
Caliber Home Loans-0.11%(4.0)5.69%
Lakeview Loan Servicing-0.09%(4.0)3.69%
Stearns Home Loans-0.08%(4.0)2.00%
Home Point Financial Corporation-0.07%(4.0)2.00%
Movement Mortgage-0.06%(4.0)3.61%
Atlantic Coast Mortgage-0.06%(4.0)3.61%
Network Capital Funding Corporation-0.05%(3.5)1.44%
Fairway Independent Mortgage Corporation-0.05%(3.5)2.17%
McLean Mortgage Corporation-0.04%(3.5)1.20%
PennyMac Loan Services-0.03%(3.5)11.07%
Home Savings & Trust Mortgage-0.03%(3.5)0.56%
NBKC Bank-0.03%(3.5)0.72%
Flagstar Bank-0.02%(3.5)2.89%
Pentagon Federal Credit Union-0.02%(3.5)0.56%
Amerisave Mortgage Corporation-0.02%(3.5)0.56%
Prosperity Home Mortgage LLC-0.02%(3.5)0.64%
Ameris Bank-0.02%(3.5)0.48%
Vellum Mortgage-0.01%(3.5)0.24%
USAA-0.01%(3.5)5.21%
NewRez-0.01%(3.5)1.52%
Planet Home Lending-0.01%(3.5)0.48%
Integrity Home Mortgage Corp-0.01%(3.5)0.56%
George Mason Mortgage-0.01%(3.5)1.84%
PNC Bank-0.00%(3.5)0.16%
First Savings Mortgage-0.00%(3.5)0.24%
Embrace Home Loans-0.00%(3.5)1.04%
Homespire Mortgage0.00%(3.5)0.08%
CapCenter0.00%(3.5)0.16%
NFM Lending0.00%(3.5)0.08%
M&T Bank0.00%(3.5)0.16%
SunTrust Bank0.01%(3.5)0.40%
ALCOVA Mortgage0.01%(3.5)0.40%
OVM Financial0.01%(3.5)0.32%
Waterstone Mortgage Corporation0.01%(3.5)0.56%
Virginia Credit Union0.02%(3.5)0.08%
Intercoastal Mortgage Company0.02%(3.5)0.24%
Atlantic Bay Mortgage Group0.02%(3.5)0.32%
First Heritage Mortgage0.02%(3.5)0.24%
Cardinal Financial Company0.03%(3.5)0.32%
Johnson Mortgage Company0.03%(3.5)0.32%
Truist Bank0.03%(3.5)0.16%
TowneBank0.03%(3.5)0.88%
C&F Mortgage Corp0.03%(3.5)0.16%
Summit Mortgage Corporation0.04%(3.5)0.08%
Wells Fargo Bank0.04%(3.5)0.16%
HomeBridge Financial Services0.05%(3.5)1.20%
Carrington Mortgage Services0.17%(2.5)4.01%
Freedom Mortgage Corporation0.19%(2.5)3.53%
The Federal Savings Bank0.22%(2.5)4.25%
Mr. Cooper0.23%(2.5)2.00%
Quicken Loans0.31%(2.0)7.54%

* Data is compiled for the Stafford Courthouse, VA commuting zone area, which comprises of counties of Caroline County, VA, King George County, VA, Spotsylvania County, VA, Stafford County, VA, and Fredericksburg city, VA. This includes cities/towns/communities of Stafford Courthouse, VA as well as Falmouth, VA, King George, VA, Aquia Harbour, VA, Lake LandOr, VA, Fredericksburg, VA, Spotsylvania Courthouse, VA, Southern Gateway, VA, Boswells Corner, VA, Bowling Green, VA, Dahlgren, VA, and Lake Wilderness, 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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