Top Mortgage Lenders in Culpeper, VA

Which mortgage lender in the Culpeper, VA area typically has the best rates? To help you narrow down where to shop for a mortgage, provides an objective and data driven ranking of mortgage lenders operating in the Culpeper, 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 Culpeper, VA area in terms of interest rate is CapCenter, with an average “Rate Difference” of -0.16%. This means that, comparing similar borrowers, CapCenter provided a -0.16% lower interest rate for its customers than other lenders in the area. CapCenter has a market share of 1.5%. On the other hand, the most popular lender in the Culpeper, VA area is Quicken Loans, with a larger market share of 11.2%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.10% compared to those of other lenders. We recommend shopping around before going with this popular lender.

Our detailed ranking of mortgage lenders in the Culpeper, VA area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Culpeper, VA is CapCenter. 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 Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Freedom Mortgage Corporation. The cheapest VA mortgage provider is Navy Federal Credit Union. 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 Culpeper, VA

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
Virginia Credit Union-0.13%(4.0)1.17%
Bank of America-0.12%(4.0)2.37%
Truist Bank-0.10%(4.0)3.27%
Atlantic Coast Mortgage-0.09%(4.0)4.90%
First Heritage Mortgage-0.07%(4.0)7.84%
US Bank-0.05%(3.5)2.94%
Fulton Bank-0.04%(3.5)2.19%
Waterstone Mortgage Corporation-0.04%(3.5)3.00%
Residential Mortgage Services-0.04%(3.5)0.93%
JPMorgan Chase Bank-0.03%(3.5)0.95%
McLean Mortgage Corporation-0.03%(3.5)1.23%
Prosperity Home Mortgage LLC-0.02%(3.5)2.19%
George Mason Mortgage-0.02%(3.5)2.29%
C&F Mortgage Corp-0.02%(3.5)1.57%
Atlantic Bay Mortgage Group-0.02%(3.5)1.30%
Wells Fargo Bank-0.01%(3.5)5.11%
SunTrust Bank-0.01%(3.5)2.42%
PennyMac Loan Services-0.01%(3.5)1.42%
Caliber Home Loans-0.00%(3.5)1.40%
Guaranteed Rate-0.00%(3.5)0.98%
Freedom Mortgage Corporation0.01%(3.5)1.00%
Towne First Mortgage0.01%(3.5)1.15%
Finance of America Mortgage0.01%(3.5)1.87%
Movement Mortgage0.01%(3.5)5.31%
Fairway Independent Mortgage Corporation0.01%(3.5)0.62%
Cardinal Financial Company0.01%(3.5)0.58%
UVA Community Credit Union0.03%(3.5)2.20%
First Community Mortgage0.03%(3.5)0.52%
Integrity Home Mortgage Corp0.03%(3.5)1.53%
Carrington Mortgage Services0.04%(3.5)0.78%
Flagstar Bank0.04%(3.5)0.53%
Navy Federal Credit Union0.04%(3.5)3.20%
NFM Lending0.05%(3.5)2.57%
Embrace Home Loans0.06%(3.0)1.74%
CBM Mortgage0.06%(3.0)0.90%
ALCOVA Mortgage0.06%(3.0)1.07%
The Federal Savings Bank0.08%(3.0)1.12%
Atlantic Union Bank0.08%(3.0)0.97%
Quicken Loans0.10%(3.0)11.24%
Mr. Cooper0.13%(3.0)1.60%
NVR Mortgage Finance Inc0.13%(3.0)3.39%
Lender NameRate DifferenceRate RatingMarket Share
Virginia Credit Union-0.17%(4.5)1.19%
Bank of America-0.15%(4.5)2.35%
Truist Bank-0.12%(4.0)2.82%
Atlantic Coast Mortgage-0.08%(4.0)6.41%
Waterstone Mortgage Corporation-0.08%(4.0)3.51%
Wells Fargo Bank-0.08%(4.0)4.62%
US Bank-0.06%(4.0)2.57%
First Heritage Mortgage-0.05%(3.5)9.78%
JPMorgan Chase Bank-0.03%(3.5)0.83%
Fulton Bank-0.03%(3.5)2.68%
George Mason Mortgage-0.02%(3.5)2.93%
McLean Mortgage Corporation-0.02%(3.5)1.55%
Residential Mortgage Services-0.02%(3.5)1.13%
Freedom Mortgage Corporation-0.02%(3.5)0.94%
Prosperity Home Mortgage LLC-0.01%(3.5)3.29%
Atlantic Bay Mortgage Group-0.01%(3.5)1.82%
SunTrust Bank-0.01%(3.5)2.21%
Guaranteed Rate0.01%(3.5)1.00%
C&F Mortgage Corp0.01%(3.5)1.49%
Towne First Mortgage0.02%(3.5)1.71%
UVA Community Credit Union0.02%(3.5)0.50%
Fairway Independent Mortgage Corporation0.02%(3.5)0.77%
Finance of America Mortgage0.02%(3.5)2.43%
PennyMac Loan Services0.03%(3.5)0.22%
Movement Mortgage0.03%(3.5)7.60%
Atlantic Union Bank0.03%(3.5)0.55%
Caliber Home Loans0.03%(3.5)1.27%
Cardinal Financial Company0.04%(3.5)0.50%
First Community Mortgage0.04%(3.5)0.64%
Carrington Mortgage Services0.04%(3.5)0.30%
Integrity Home Mortgage Corp0.05%(3.5)2.10%
Navy Federal Credit Union0.06%(3.0)4.15%
The Federal Savings Bank0.06%(3.0)0.44%
NFM Lending0.07%(3.0)3.23%
Mr. Cooper0.08%(3.0)0.80%
Embrace Home Loans0.09%(3.0)1.88%
CBM Mortgage0.09%(3.0)1.02%
Flagstar Bank0.10%(3.0)0.44%
Quicken Loans0.11%(3.0)4.51%
ALCOVA Mortgage0.11%(3.0)1.05%
NVR Mortgage Finance Inc0.15%(3.0)5.61%
Lender NameRate DifferenceRate RatingMarket Share
First Heritage Mortgage-0.14%(4.0)4.88%
Truist Bank-0.10%(4.0)3.96%
Atlantic Coast Mortgage-0.08%(4.0)2.61%
Bank of America-0.08%(4.0)2.40%
Virginia Credit Union-0.07%(4.0)1.14%
C&F Mortgage Corp-0.06%(4.0)1.68%
Residential Mortgage Services-0.06%(4.0)0.63%
Caliber Home Loans-0.05%(3.5)1.60%
Fulton Bank-0.05%(3.5)1.43%
US Bank-0.04%(3.5)3.49%
JPMorgan Chase Bank-0.04%(3.5)1.14%
Flagstar Bank-0.04%(3.5)0.67%
PennyMac Loan Services-0.03%(3.5)3.24%
Movement Mortgage-0.03%(3.5)1.81%
McLean Mortgage Corporation-0.03%(3.5)0.76%
Cardinal Financial Company-0.02%(3.5)0.72%
Finance of America Mortgage-0.02%(3.5)1.01%
ALCOVA Mortgage-0.01%(3.5)1.09%
Guaranteed Rate-0.01%(3.5)0.97%
SunTrust Bank-0.01%(3.5)2.74%
Integrity Home Mortgage Corp-0.01%(3.5)0.67%
Fairway Independent Mortgage Corporation-0.00%(3.5)0.38%
Prosperity Home Mortgage LLC-0.00%(3.5)0.51%
CBM Mortgage0.00%(3.5)0.72%
Towne First Mortgage0.01%(3.5)0.29%
First Community Mortgage0.01%(3.5)0.34%
UVA Community Credit Union0.01%(3.5)4.80%
George Mason Mortgage0.01%(3.5)1.30%
Embrace Home Loans0.01%(3.5)1.52%
Navy Federal Credit Union0.01%(3.5)1.77%
Atlantic Bay Mortgage Group0.01%(3.5)0.51%
Carrington Mortgage Services0.01%(3.5)1.52%
NFM Lending0.03%(3.5)1.56%
Freedom Mortgage Corporation0.03%(3.5)1.09%
Wells Fargo Bank0.05%(3.0)5.85%
The Federal Savings Bank0.06%(3.0)2.15%
Waterstone Mortgage Corporation0.08%(3.0)2.23%
Quicken Loans0.08%(3.0)21.51%
Atlantic Union Bank0.09%(3.0)1.60%
Mr. Cooper0.13%(3.0)2.82%
Lender NameRate DifferenceRate RatingMarket Share
Virginia Credit Union-0.15%(4.0)1.40%
Bank of America-0.14%(4.0)2.79%
Atlantic Coast Mortgage-0.13%(4.0)4.76%
Truist Bank-0.12%(4.0)4.03%
Waterstone Mortgage Corporation-0.12%(4.0)2.70%
First Heritage Mortgage-0.10%(4.0)8.91%
US Bank-0.06%(4.0)3.43%
Fulton Bank-0.04%(3.5)2.46%
McLean Mortgage Corporation-0.04%(3.5)1.11%
JPMorgan Chase Bank-0.04%(3.5)1.07%
Residential Mortgage Services-0.03%(3.5)1.02%
Finance of America Mortgage-0.02%(3.5)1.71%
George Mason Mortgage-0.02%(3.5)2.46%
Prosperity Home Mortgage LLC-0.02%(3.5)2.13%
C&F Mortgage Corp-0.01%(3.5)1.59%
Atlantic Bay Mortgage Group-0.01%(3.5)1.02%
Wells Fargo Bank-0.01%(3.5)6.32%
SunTrust Bank-0.00%(3.5)2.79%
Guaranteed Rate-0.00%(3.5)0.83%
Cardinal Financial Company0.00%(3.5)0.54%
Fairway Independent Mortgage Corporation0.00%(3.5)0.43%
Movement Mortgage0.01%(3.5)5.31%
Towne First Mortgage0.01%(3.5)1.37%
Flagstar Bank0.01%(3.5)0.26%
PennyMac Loan Services0.02%(3.5)0.66%
Caliber Home Loans0.03%(3.5)0.97%
UVA Community Credit Union0.03%(3.5)3.06%
First Community Mortgage0.04%(3.5)0.64%
Freedom Mortgage Corporation0.05%(3.5)0.57%
Carrington Mortgage Services0.05%(3.5)0.33%
Integrity Home Mortgage Corp0.05%(3.0)1.16%
CBM Mortgage0.05%(3.0)0.78%
NFM Lending0.07%(3.0)2.25%
Embrace Home Loans0.08%(3.0)1.28%
The Federal Savings Bank0.10%(3.0)0.83%
ALCOVA Mortgage0.10%(3.0)0.97%
Atlantic Union Bank0.10%(3.0)1.16%
Quicken Loans0.13%(3.0)12.74%
Navy Federal Credit Union0.17%(2.5)2.49%
Mr. Cooper0.17%(2.5)0.97%
NVR Mortgage Finance Inc0.18%(2.5)2.96%
Lender NameRate DifferenceRate RatingMarket Share
Waterstone Mortgage Corporation-0.23%(4.5)2.99%
Virginia Credit Union-0.17%(4.5)1.55%
Bank of America-0.16%(4.5)2.95%
Atlantic Coast Mortgage-0.13%(4.0)6.30%
Truist Bank-0.12%(4.0)3.60%
US Bank-0.07%(4.0)3.15%
Wells Fargo Bank-0.07%(4.0)5.97%
First Heritage Mortgage-0.06%(4.0)11.29%
JPMorgan Chase Bank-0.03%(3.5)0.90%
McLean Mortgage Corporation-0.03%(3.5)1.43%
Fulton Bank-0.03%(3.5)3.03%
George Mason Mortgage-0.02%(3.5)3.07%
Residential Mortgage Services-0.01%(3.5)1.15%
SunTrust Bank-0.01%(3.5)2.41%
Finance of America Mortgage-0.01%(3.5)2.09%
Atlantic Bay Mortgage Group-0.01%(3.5)1.35%
Guaranteed Rate0.00%(3.5)0.98%
Prosperity Home Mortgage LLC0.00%(3.5)3.36%
Fairway Independent Mortgage Corporation0.02%(3.5)0.57%
Towne First Mortgage0.03%(3.5)2.13%
UVA Community Credit Union0.03%(3.5)0.70%
Movement Mortgage0.04%(3.5)7.90%
Flagstar Bank0.04%(3.5)0.16%
C&F Mortgage Corp0.04%(3.5)1.31%
Atlantic Union Bank0.04%(3.5)0.57%
Cardinal Financial Company0.05%(3.5)0.53%
Carrington Mortgage Services0.05%(3.5)0.08%
PennyMac Loan Services0.05%(3.0)0.20%
The Federal Savings Bank0.06%(3.0)0.29%
First Community Mortgage0.07%(3.0)0.78%
Caliber Home Loans0.07%(3.0)1.06%
Integrity Home Mortgage Corp0.08%(3.0)1.60%
Freedom Mortgage Corporation0.09%(3.0)0.49%
CBM Mortgage0.09%(3.0)0.74%
NFM Lending0.09%(3.0)2.91%
Mr. Cooper0.11%(3.0)0.37%
Embrace Home Loans0.12%(3.0)1.39%
ALCOVA Mortgage0.15%(2.5)1.10%
Quicken Loans0.16%(2.5)5.03%
NVR Mortgage Finance Inc0.20%(2.5)5.11%
Navy Federal Credit Union0.22%(2.5)3.23%
Lender NameRate DifferenceRate RatingMarket Share
First Heritage Mortgage-0.17%(4.5)5.62%
Truist Bank-0.11%(4.0)4.61%
Atlantic Coast Mortgage-0.10%(4.0)2.64%
Bank of America-0.10%(4.0)2.59%
Virginia Credit Union-0.10%(4.0)1.18%
C&F Mortgage Corp-0.08%(4.0)1.97%
Residential Mortgage Services-0.06%(4.0)0.84%
Cardinal Financial Company-0.06%(4.0)0.56%
Fulton Bank-0.05%(4.0)1.69%
US Bank-0.05%(4.0)3.82%
JPMorgan Chase Bank-0.05%(4.0)1.29%
Caliber Home Loans-0.04%(3.5)0.84%
Movement Mortgage-0.04%(3.5)1.74%
McLean Mortgage Corporation-0.04%(3.5)0.67%
Finance of America Mortgage-0.03%(3.5)1.18%
Flagstar Bank-0.02%(3.5)0.39%
PennyMac Loan Services-0.02%(3.5)1.29%
SunTrust Bank-0.01%(3.5)3.32%
Freedom Mortgage Corporation-0.01%(3.5)0.67%
Fairway Independent Mortgage Corporation-0.01%(3.5)0.22%
Integrity Home Mortgage Corp-0.00%(3.5)0.56%
Prosperity Home Mortgage LLC-0.00%(3.5)0.45%
CBM Mortgage-0.00%(3.5)0.84%
UVA Community Credit Union0.00%(3.5)6.30%
First Community Mortgage0.00%(3.5)0.45%
Towne First Mortgage0.00%(3.5)0.34%
George Mason Mortgage0.01%(3.5)1.63%
ALCOVA Mortgage0.01%(3.5)0.79%
Atlantic Bay Mortgage Group0.01%(3.5)0.56%
Guaranteed Rate0.01%(3.5)0.62%
Embrace Home Loans0.02%(3.5)1.12%
Carrington Mortgage Services0.02%(3.5)0.67%
NFM Lending0.04%(3.5)1.35%
Navy Federal Credit Union0.05%(3.0)1.46%
Wells Fargo Bank0.06%(3.0)6.81%
The Federal Savings Bank0.08%(3.0)1.57%
Waterstone Mortgage Corporation0.09%(3.0)2.31%
Quicken Loans0.10%(3.0)23.34%
Atlantic Union Bank0.10%(3.0)1.97%
Mr. Cooper0.16%(2.5)1.80%
Lender NameRate DifferenceRate RatingMarket Share
Freedom Mortgage Corporation-0.08%(4.0)2.68%
Prosperity Home Mortgage LLC-0.06%(4.0)2.91%
First Community Mortgage-0.06%(4.0)0.47%
Caliber Home Loans-0.05%(4.0)2.21%
Residential Mortgage Services-0.05%(4.0)0.93%
Bank of America-0.05%(4.0)0.58%
Atlantic Bay Mortgage Group-0.05%(3.5)2.10%
Quicken Loans-0.05%(3.5)9.66%
George Mason Mortgage-0.05%(3.5)2.79%
C&F Mortgage Corp-0.04%(3.5)2.44%
Carrington Mortgage Services-0.04%(3.5)2.33%
Atlantic Coast Mortgage-0.04%(3.5)5.47%
Truist Bank-0.03%(3.5)0.35%
Virginia Credit Union-0.03%(3.5)0.93%
Integrity Home Mortgage Corp-0.03%(3.5)3.14%
Navy Federal Credit Union-0.02%(3.5)0.23%
Fulton Bank-0.02%(3.5)1.05%
McLean Mortgage Corporation-0.02%(3.5)1.98%
Movement Mortgage-0.01%(3.5)7.80%
Atlantic Union Bank-0.01%(3.5)0.70%
ALCOVA Mortgage-0.01%(3.5)1.16%
Guaranteed Rate-0.01%(3.5)0.70%
SunTrust Bank-0.00%(3.5)0.23%
NFM Lending0.00%(3.5)5.59%
PennyMac Loan Services0.00%(3.5)1.51%
The Federal Savings Bank0.01%(3.5)0.70%
Towne First Mortgage0.01%(3.5)0.70%
Fairway Independent Mortgage Corporation0.01%(3.5)1.40%
Wells Fargo Bank0.02%(3.5)0.23%
Embrace Home Loans0.02%(3.5)3.73%
Cardinal Financial Company0.02%(3.5)1.05%
First Heritage Mortgage0.03%(3.5)3.84%
NVR Mortgage Finance Inc0.04%(3.5)6.52%
Finance of America Mortgage0.06%(3.0)3.73%
CBM Mortgage0.07%(3.0)2.10%
Mr. Cooper0.08%(3.0)5.12%
Waterstone Mortgage Corporation0.09%(3.0)5.94%
Flagstar Bank0.09%(3.0)1.28%
Lender NameRate DifferenceRate RatingMarket Share
Freedom Mortgage Corporation-0.13%(4.0)2.69%
Prosperity Home Mortgage LLC-0.07%(4.0)3.96%
Virginia Credit Union-0.06%(4.0)0.63%
First Community Mortgage-0.06%(4.0)0.63%
C&F Mortgage Corp-0.05%(4.0)2.54%
Residential Mortgage Services-0.05%(4.0)1.27%
Bank of America-0.05%(4.0)0.79%
Caliber Home Loans-0.05%(4.0)1.43%
George Mason Mortgage-0.05%(4.0)3.49%
Atlantic Bay Mortgage Group-0.05%(4.0)2.85%
Atlantic Coast Mortgage-0.04%(3.5)6.66%
Quicken Loans-0.03%(3.5)3.65%
Integrity Home Mortgage Corp-0.03%(3.5)3.96%
Fulton Bank-0.03%(3.5)1.27%
Navy Federal Credit Union-0.03%(3.5)0.32%
McLean Mortgage Corporation-0.02%(3.5)2.54%
Movement Mortgage-0.01%(3.5)9.51%
ALCOVA Mortgage-0.01%(3.5)0.95%
Truist Bank-0.01%(3.5)0.16%
Guaranteed Rate-0.01%(3.5)0.48%
The Federal Savings Bank-0.00%(3.5)0.48%
SunTrust Bank-0.00%(3.5)0.32%
Carrington Mortgage Services-0.00%(3.5)1.11%
NFM Lending0.00%(3.5)6.02%
Atlantic Union Bank0.00%(3.5)0.48%
Towne First Mortgage0.01%(3.5)0.79%
Fairway Independent Mortgage Corporation0.02%(3.5)1.58%
Cardinal Financial Company0.02%(3.5)0.48%
Wells Fargo Bank0.02%(3.5)0.16%
Embrace Home Loans0.03%(3.5)4.28%
First Heritage Mortgage0.03%(3.5)4.91%
Mr. Cooper0.03%(3.5)2.54%
NVR Mortgage Finance Inc0.04%(3.5)8.87%
Finance of America Mortgage0.06%(3.0)4.75%
CBM Mortgage0.08%(3.0)2.54%
Flagstar Bank0.09%(3.0)1.74%
Waterstone Mortgage Corporation0.10%(3.0)6.81%
Lender NameRate DifferenceRate RatingMarket Share
Carrington Mortgage Services-0.05%(4.0)5.70%
Caliber Home Loans-0.05%(4.0)4.39%
Quicken Loans-0.05%(3.5)26.32%
Embrace Home Loans-0.04%(3.5)2.19%
Atlantic Coast Mortgage-0.03%(3.5)2.19%
Truist Bank-0.03%(3.5)0.88%
Atlantic Union Bank-0.02%(3.5)1.32%
First Heritage Mortgage-0.02%(3.5)0.88%
Movement Mortgage-0.02%(3.5)3.07%
McLean Mortgage Corporation-0.01%(3.5)0.44%
Integrity Home Mortgage Corp-0.01%(3.5)0.88%
ALCOVA Mortgage-0.01%(3.5)1.75%
Finance of America Mortgage-0.01%(3.5)0.88%
Guaranteed Rate-0.00%(3.5)1.32%
Fairway Independent Mortgage Corporation-0.00%(3.5)0.88%
Towne First Mortgage-0.00%(3.5)0.44%
George Mason Mortgage-0.00%(3.5)0.88%
NFM Lending0.00%(3.5)4.39%
Fulton Bank0.00%(3.5)0.44%
C&F Mortgage Corp0.01%(3.5)2.19%
PennyMac Loan Services0.01%(3.5)5.70%
Virginia Credit Union0.01%(3.5)1.75%
Waterstone Mortgage Corporation0.02%(3.5)3.51%
CBM Mortgage0.02%(3.5)0.88%
The Federal Savings Bank0.02%(3.5)1.32%
Wells Fargo Bank0.02%(3.5)0.44%
Cardinal Financial Company0.03%(3.5)2.63%
Freedom Mortgage Corporation0.04%(3.5)2.63%
Mr. Cooper0.11%(3.0)12.28%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.05%(4.0)15.54%
Bank of America-0.01%(3.5)9.84%
NVR Mortgage Finance Inc-0.00%(3.5)0.52%
JPMorgan Chase Bank-0.00%(3.5)5.18%
Navy Federal Credit Union0.00%(3.5)5.18%
SunTrust Bank0.00%(3.5)9.33%
Quicken Loans0.00%(3.5)3.11%
Atlantic Bay Mortgage Group0.00%(3.5)0.52%
George Mason Mortgage0.01%(3.5)1.04%
Prosperity Home Mortgage LLC0.01%(3.5)2.07%
Fulton Bank0.01%(3.5)5.18%
Atlantic Union Bank0.01%(3.5)0.52%
Guaranteed Rate0.01%(3.5)1.04%
Truist Bank0.01%(3.5)7.25%
Finance of America Mortgage0.01%(3.5)0.52%
CBM Mortgage0.01%(3.5)0.52%
Residential Mortgage Services0.01%(3.5)0.52%
First Heritage Mortgage0.02%(3.5)18.13%
UVA Community Credit Union0.03%(3.5)1.55%
Waterstone Mortgage Corporation0.03%(3.5)0.52%
US Bank0.03%(3.5)9.33%
Atlantic Coast Mortgage0.03%(3.5)1.04%
Embrace Home Loans0.04%(3.5)1.55%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.07%(4.0)13.33%
Bank of America-0.02%(3.5)6.67%
JPMorgan Chase Bank-0.01%(3.5)5.00%
NVR Mortgage Finance Inc-0.01%(3.5)0.83%
Navy Federal Credit Union0.00%(3.5)6.67%
Atlantic Bay Mortgage Group0.00%(3.5)0.83%
George Mason Mortgage0.00%(3.5)1.67%
Prosperity Home Mortgage LLC0.00%(3.5)1.67%
Quicken Loans0.00%(3.5)0.83%
Fulton Bank0.00%(3.5)7.50%
Atlantic Union Bank0.01%(3.5)0.83%
Guaranteed Rate0.01%(3.5)1.67%
SunTrust Bank0.01%(3.5)11.67%
UVA Community Credit Union0.01%(3.5)0.83%
Finance of America Mortgage0.01%(3.5)0.83%
CBM Mortgage0.01%(3.5)0.83%
Residential Mortgage Services0.01%(3.5)0.83%
Atlantic Coast Mortgage0.01%(3.5)0.83%
Truist Bank0.02%(3.5)6.67%
First Heritage Mortgage0.02%(3.5)22.50%
US Bank0.04%(3.5)7.50%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.04%(3.5)19.18%
SunTrust Bank-0.02%(3.5)5.48%
Navy Federal Credit Union-0.00%(3.5)2.74%
First Heritage Mortgage0.00%(3.5)10.96%
Bank of America0.00%(3.5)15.07%
Truist Bank0.00%(3.5)8.22%
Quicken Loans0.01%(3.5)6.85%
Fulton Bank0.01%(3.5)1.37%
US Bank0.01%(3.5)12.33%
JPMorgan Chase Bank0.01%(3.5)5.48%
Prosperity Home Mortgage LLC0.01%(3.5)2.74%
Waterstone Mortgage Corporation0.03%(3.5)1.37%
UVA Community Credit Union0.04%(3.5)2.74%
Atlantic Coast Mortgage0.05%(3.5)1.37%
Embrace Home Loans0.05%(3.5)4.11%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.14%(4.0)10.42%
PennyMac Loan Services-0.04%(3.5)6.11%
Flagstar Bank-0.03%(3.5)1.39%
Prosperity Home Mortgage LLC-0.03%(3.5)1.67%
Caliber Home Loans-0.02%(3.5)3.33%
Fulton Bank-0.02%(3.5)1.11%
Virginia Credit Union-0.01%(3.5)0.42%
Atlantic Bay Mortgage Group-0.01%(3.5)2.22%
SunTrust Bank-0.01%(3.5)0.97%
Residential Mortgage Services-0.01%(3.5)0.56%
Fairway Independent Mortgage Corporation-0.01%(3.5)0.97%
Atlantic Union Bank-0.01%(3.5)0.28%
Truist Bank-0.01%(3.5)1.25%
McLean Mortgage Corporation-0.00%(3.5)1.39%
Guaranteed Rate-0.00%(3.5)2.22%
Towne First Mortgage-0.00%(3.5)0.69%
ALCOVA Mortgage0.00%(3.5)1.81%
US Bank0.00%(3.5)1.81%
Finance of America Mortgage0.01%(3.5)0.97%
JPMorgan Chase Bank0.01%(3.5)0.28%
CBM Mortgage0.01%(3.5)0.28%
C&F Mortgage Corp0.01%(3.5)0.83%
First Heritage Mortgage0.02%(3.5)3.61%
Cardinal Financial Company0.02%(3.5)0.42%
George Mason Mortgage0.02%(3.5)0.97%
Embrace Home Loans0.02%(3.5)2.08%
NFM Lending0.03%(3.5)1.53%
Wells Fargo Bank0.03%(3.5)0.97%
Atlantic Coast Mortgage0.03%(3.5)6.11%
Integrity Home Mortgage Corp0.04%(3.5)2.22%
Freedom Mortgage Corporation0.05%(3.5)1.81%
Mr. Cooper0.05%(3.0)1.53%
The Federal Savings Bank0.06%(3.0)3.61%
Quicken Loans0.06%(3.0)6.53%
Movement Mortgage0.07%(3.0)3.75%
Waterstone Mortgage Corporation0.09%(3.0)1.94%
Carrington Mortgage Services0.10%(3.0)1.81%
NVR Mortgage Finance Inc0.11%(3.0)2.92%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.16%(4.5)14.42%
Prosperity Home Mortgage LLC-0.03%(3.5)2.36%
Freedom Mortgage Corporation-0.03%(3.5)1.18%
Quicken Loans-0.02%(3.5)3.78%
Fulton Bank-0.02%(3.5)1.42%
Truist Bank-0.02%(3.5)1.18%
PennyMac Loan Services-0.02%(3.5)0.71%
Fairway Independent Mortgage Corporation-0.02%(3.5)0.95%
SunTrust Bank-0.01%(3.5)1.18%
Atlantic Bay Mortgage Group-0.01%(3.5)3.31%
Virginia Credit Union-0.01%(3.5)0.24%
Residential Mortgage Services-0.01%(3.5)0.95%
McLean Mortgage Corporation-0.01%(3.5)1.18%
Caliber Home Loans-0.01%(3.5)2.60%
Atlantic Union Bank-0.01%(3.5)0.47%
Towne First Mortgage0.00%(3.5)1.18%
Flagstar Bank0.00%(3.5)0.24%
Finance of America Mortgage0.01%(3.5)1.42%
Wells Fargo Bank0.01%(3.5)0.95%
JPMorgan Chase Bank0.01%(3.5)0.47%
US Bank0.01%(3.5)1.65%
CBM Mortgage0.01%(3.5)0.47%
C&F Mortgage Corp0.01%(3.5)1.42%
First Heritage Mortgage0.01%(3.5)4.73%
George Mason Mortgage0.03%(3.5)1.65%
Cardinal Financial Company0.03%(3.5)0.47%
Guaranteed Rate0.03%(3.5)1.65%
NFM Lending0.04%(3.5)1.89%
Embrace Home Loans0.04%(3.5)1.65%
Mr. Cooper0.04%(3.5)0.95%
Atlantic Coast Mortgage0.05%(3.5)8.27%
Carrington Mortgage Services0.05%(3.5)0.47%
Integrity Home Mortgage Corp0.05%(3.0)2.84%
The Federal Savings Bank0.06%(3.0)1.42%
ALCOVA Mortgage0.06%(3.0)1.18%
Movement Mortgage0.09%(3.0)5.20%
NVR Mortgage Finance Inc0.11%(3.0)4.96%
Waterstone Mortgage Corporation0.12%(3.0)2.60%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.05%(4.0)4.71%
PennyMac Loan Services-0.04%(3.5)13.80%
Caliber Home Loans-0.04%(3.5)4.38%
Flagstar Bank-0.04%(3.5)3.03%
ALCOVA Mortgage-0.04%(3.5)2.69%
Guaranteed Rate-0.03%(3.5)3.03%
Atlantic Coast Mortgage-0.03%(3.5)3.03%
Virginia Credit Union-0.01%(3.5)0.67%
US Bank-0.01%(3.5)2.02%
Integrity Home Mortgage Corp-0.00%(3.5)1.35%
Fulton Bank-0.00%(3.5)0.67%
McLean Mortgage Corporation0.00%(3.5)1.68%
SunTrust Bank0.00%(3.5)0.67%
Finance of America Mortgage0.00%(3.5)0.34%
Cardinal Financial Company0.00%(3.5)0.34%
Prosperity Home Mortgage LLC0.00%(3.5)0.67%
Atlantic Bay Mortgage Group0.01%(3.5)0.67%
NFM Lending0.01%(3.5)1.01%
Movement Mortgage0.01%(3.5)1.68%
Fairway Independent Mortgage Corporation0.01%(3.5)1.01%
Embrace Home Loans0.01%(3.5)2.69%
Waterstone Mortgage Corporation0.01%(3.5)1.01%
Truist Bank0.01%(3.5)1.35%
First Heritage Mortgage0.03%(3.5)2.02%
Mr. Cooper0.05%(3.0)2.36%
The Federal Savings Bank0.06%(3.0)6.73%
Wells Fargo Bank0.06%(3.0)1.01%
Freedom Mortgage Corporation0.09%(3.0)2.69%
Carrington Mortgage Services0.10%(3.0)3.70%
Quicken Loans0.10%(3.0)10.44%

* Data is compiled for the Culpeper, VA commuting zone area, which comprises of counties of Albemarle County, VA, Culpeper County, VA, Fluvanna County, VA, Greene County, VA, Louisa County, VA, Madison County, VA, Nelson County, VA, Orange County, VA, and Charlottesville city, VA. This includes cities/towns/communities of Culpeper, VA as well as Charlottesville, VA, Lake of the Woods, VA, Lake Monticello, VA, Crozet, VA, Blue Ridge Shores, VA, Ruckersville, VA, Orange, VA, Nellysford, VA, Hollymead, VA, Pantops, VA, Mineral, VA, Ivy, VA, Piney Mountain, VA, Brightwood, VA, Scottsville, VA, Louisa, VA, Rivanna, VA, Gordonsville, VA, Columbia, VA, Twin Lakes, VA, Madison, VA, Free Union, VA, Scottsville, VA, Stanardsville, VA, Arrington, VA, Lovingston, VA, and University of Virginia, VA. Lenders must have made at least 30 loans in the area to be included. Source 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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