Top Mortgage Lenders in Roanoke, VA

Which mortgage lender in the Roanoke, 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 Roanoke, VA area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We 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 Roanoke, VA area in terms of interest rate is Prosperity Home Mortgage LLC, with an average “Rate Difference” of -0.14%. This means that, comparing similar borrowers, Prosperity Home Mortgage LLC provided a -0.14% lower interest rate for its customers than other lenders in the area. Prosperity Home Mortgage LLC has a market share of 4.1%. On the other hand, the most popular lender in the Roanoke, VA area is Atlantic Bay Mortgage Group, with a larger market share of 13.8%. Atlantic Bay Mortgage Group is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.05% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Roanoke, VA area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Roanoke, VA is Prosperity Home Mortgage LLC. If you want to take out a loan that is above conforming limits (for example, above $548,250 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 Renasant Bank. 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 Roanoke, VA

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Prosperity Home Mortgage LLC-0.14%(4.0)4.12%
Renasant Bank-0.11%(4.0)3.44%
First Heritage Mortgage-0.08%(4.0)1.15%
Amerisave Mortgage Corporation-0.08%(4.0)0.55%
Member One Federal Credit Union-0.07%(4.0)2.59%
Bank of America-0.07%(4.0)1.06%
First Reliance Bank-0.06%(4.0)1.53%
Wells Fargo Bank-0.06%(4.0)5.33%
CapCenter-0.06%(4.0)0.47%
Truist Bank-0.06%(4.0)3.15%
ALCOVA Mortgage-0.05%(4.0)8.95%
Atlantic Bay Mortgage Group-0.05%(3.5)13.80%
Freedom First Federal Credit Union-0.04%(3.5)5.42%
USAA-0.04%(3.5)1.44%
Caliber Home Loans-0.03%(3.5)1.01%
SunTrust Bank-0.02%(3.5)2.33%
Movement Mortgage0.01%(3.5)7.71%
Navy Federal Credit Union0.01%(3.5)1.36%
SWBC Mortgage0.02%(3.5)2.12%
PennyMac Loan Services0.02%(3.5)0.58%
Carrington Mortgage Services0.03%(3.5)0.83%
JPMorgan Chase Bank0.03%(3.5)0.83%
Residential Mortgage Services0.03%(3.5)1.54%
First Citizens Bank0.03%(3.5)1.33%
loanDepot0.04%(3.5)1.71%
Pinnacle Financial Partners0.04%(3.5)0.92%
Guaranteed Rate0.04%(3.5)1.01%
OVM Financial0.06%(3.0)0.56%
The Federal Savings Bank0.07%(3.0)0.65%
Embrace Home Loans0.08%(3.0)4.33%
Truliant Federal Credit Union0.09%(3.0)0.76%
Integrity Home Mortgage Corp0.09%(3.0)2.15%
Atlantic Union Bank0.11%(3.0)1.61%
First Bank and Trust Company0.15%(3.0)0.88%
Quicken Loans0.16%(2.5)10.18%
AnnieMac Home Mortgage0.18%(2.5)1.50%
Mr. Cooper0.20%(2.5)1.08%
Lender NameRate DifferenceRate RatingMarket Share
Prosperity Home Mortgage LLC-0.14%(4.0)5.48%
Renasant Bank-0.13%(4.0)4.06%
Wells Fargo Bank-0.10%(4.0)5.50%
Bank of America-0.09%(4.0)1.04%
First Heritage Mortgage-0.09%(4.0)1.40%
Atlantic Bay Mortgage Group-0.04%(3.5)16.34%
Truist Bank-0.03%(3.5)2.91%
First Reliance Bank-0.03%(3.5)1.51%
Caliber Home Loans-0.03%(3.5)0.90%
USAA-0.03%(3.5)1.83%
SunTrust Bank-0.03%(3.5)2.07%
ALCOVA Mortgage-0.02%(3.5)10.32%
Freedom First Federal Credit Union-0.02%(3.5)5.86%
JPMorgan Chase Bank-0.00%(3.5)0.41%
Member One Federal Credit Union0.02%(3.5)1.42%
Movement Mortgage0.02%(3.5)9.76%
Navy Federal Credit Union0.03%(3.5)1.74%
PennyMac Loan Services0.03%(3.5)0.09%
Amerisave Mortgage Corporation0.04%(3.5)0.07%
SWBC Mortgage0.04%(3.5)2.82%
CapCenter0.05%(3.0)0.20%
First Citizens Bank0.05%(3.0)0.97%
Residential Mortgage Services0.06%(3.0)1.62%
Pinnacle Financial Partners0.06%(3.0)0.79%
Guaranteed Rate0.07%(3.0)1.22%
OVM Financial0.07%(3.0)0.74%
Truliant Federal Credit Union0.08%(3.0)0.18%
The Federal Savings Bank0.08%(3.0)0.59%
Atlantic Union Bank0.09%(3.0)1.40%
loanDepot0.10%(3.0)0.97%
Integrity Home Mortgage Corp0.11%(3.0)2.84%
Embrace Home Loans0.11%(3.0)5.11%
Mr. Cooper0.12%(3.0)0.41%
Carrington Mortgage Services0.13%(3.0)0.20%
Quicken Loans0.17%(2.5)4.53%
First Bank and Trust Company0.20%(2.5)0.88%
AnnieMac Home Mortgage0.22%(2.5)1.87%
Lender NameRate DifferenceRate RatingMarket Share
Member One Federal Credit Union-0.14%(4.0)4.99%
First Reliance Bank-0.14%(4.0)1.57%
CapCenter-0.13%(4.0)1.02%
ALCOVA Mortgage-0.13%(4.0)6.15%
Amerisave Mortgage Corporation-0.11%(4.0)1.52%
Truist Bank-0.10%(4.0)3.65%
Prosperity Home Mortgage LLC-0.09%(4.0)1.34%
Freedom First Federal Credit Union-0.09%(4.0)4.53%
SWBC Mortgage-0.06%(4.0)0.69%
USAA-0.06%(4.0)0.65%
Atlantic Bay Mortgage Group-0.05%(4.0)8.60%
Caliber Home Loans-0.05%(3.5)1.25%
Guaranteed Rate-0.04%(3.5)0.60%
First Heritage Mortgage-0.04%(3.5)0.65%
Residential Mortgage Services-0.04%(3.5)1.39%
Renasant Bank-0.03%(3.5)2.17%
Movement Mortgage-0.03%(3.5)3.51%
loanDepot-0.02%(3.5)3.23%
Bank of America-0.02%(3.5)1.11%
Carrington Mortgage Services-0.02%(3.5)2.13%
Navy Federal Credit Union-0.01%(3.5)0.60%
SunTrust Bank-0.01%(3.5)2.87%
OVM Financial-0.01%(3.5)0.18%
PennyMac Loan Services-0.00%(3.5)1.57%
Pinnacle Financial Partners-0.00%(3.5)1.20%
First Citizens Bank0.00%(3.5)2.08%
Integrity Home Mortgage Corp0.01%(3.5)0.74%
Embrace Home Loans0.01%(3.5)2.73%
Wells Fargo Bank0.02%(3.5)4.99%
JPMorgan Chase Bank0.02%(3.5)1.71%
AnnieMac Home Mortgage0.02%(3.5)0.74%
First Bank and Trust Company0.05%(3.0)0.88%
The Federal Savings Bank0.05%(3.0)0.79%
Truliant Federal Credit Union0.06%(3.0)1.94%
Quicken Loans0.13%(3.0)21.77%
Atlantic Union Bank0.13%(3.0)2.03%
Mr. Cooper0.20%(2.5)2.45%
Lender NameRate DifferenceRate RatingMarket Share
Prosperity Home Mortgage LLC-0.22%(4.5)4.08%
First Heritage Mortgage-0.10%(4.0)1.37%
Amerisave Mortgage Corporation-0.09%(4.0)0.66%
Bank of America-0.08%(4.0)1.24%
ALCOVA Mortgage-0.07%(4.0)8.68%
Member One Federal Credit Union-0.07%(4.0)3.63%
Wells Fargo Bank-0.06%(4.0)6.83%
CapCenter-0.06%(4.0)0.64%
First Reliance Bank-0.06%(4.0)2.15%
Truist Bank-0.06%(4.0)4.03%
Renasant Bank-0.05%(3.5)2.90%
Atlantic Bay Mortgage Group-0.05%(3.5)13.91%
Caliber Home Loans-0.03%(3.5)0.98%
USAA-0.03%(3.5)0.96%
Movement Mortgage-0.03%(3.5)7.13%
SunTrust Bank-0.02%(3.5)2.86%
Freedom First Federal Credit Union-0.01%(3.5)5.89%
Carrington Mortgage Services0.02%(3.5)0.11%
loanDepot0.03%(3.5)1.22%
JPMorgan Chase Bank0.03%(3.5)1.05%
Guaranteed Rate0.04%(3.5)0.64%
Residential Mortgage Services0.04%(3.5)1.83%
First Citizens Bank0.04%(3.5)1.56%
SWBC Mortgage0.04%(3.5)2.03%
Pinnacle Financial Partners0.05%(3.5)1.11%
PennyMac Loan Services0.07%(3.0)0.30%
OVM Financial0.08%(3.0)0.36%
Truliant Federal Credit Union0.09%(3.0)1.07%
Embrace Home Loans0.10%(3.0)3.26%
The Federal Savings Bank0.10%(3.0)0.32%
AnnieMac Home Mortgage0.12%(3.0)0.96%
Integrity Home Mortgage Corp0.12%(3.0)1.71%
Navy Federal Credit Union0.12%(3.0)1.02%
Atlantic Union Bank0.12%(3.0)1.43%
First Bank and Trust Company0.16%(2.5)1.24%
Quicken Loans0.21%(2.5)10.18%
Mr. Cooper0.27%(2.0)0.68%
Lender NameRate DifferenceRate RatingMarket Share
Prosperity Home Mortgage LLC-0.22%(4.5)5.57%
First Heritage Mortgage-0.11%(4.0)1.75%
Wells Fargo Bank-0.10%(4.0)7.15%
Bank of America-0.10%(4.0)1.38%
Renasant Bank-0.05%(3.5)3.26%
Atlantic Bay Mortgage Group-0.03%(3.5)16.45%
SunTrust Bank-0.03%(3.5)2.55%
Truist Bank-0.03%(3.5)3.86%
ALCOVA Mortgage-0.02%(3.5)9.97%
Caliber Home Loans-0.02%(3.5)1.01%
First Reliance Bank-0.02%(3.5)2.25%
USAA-0.02%(3.5)1.41%
Movement Mortgage-0.01%(3.5)9.53%
JPMorgan Chase Bank-0.00%(3.5)0.47%
loanDepot0.02%(3.5)0.54%
Member One Federal Credit Union0.03%(3.5)2.11%
Freedom First Federal Credit Union0.03%(3.5)6.38%
Amerisave Mortgage Corporation0.05%(3.5)0.10%
PennyMac Loan Services0.06%(3.0)0.07%
CapCenter0.06%(3.0)0.27%
First Citizens Bank0.07%(3.0)1.01%
Atlantic Union Bank0.07%(3.0)0.87%
SWBC Mortgage0.08%(3.0)2.69%
Mr. Cooper0.08%(3.0)0.10%
Pinnacle Financial Partners0.08%(3.0)0.97%
Residential Mortgage Services0.08%(3.0)1.95%
Guaranteed Rate0.08%(3.0)0.70%
Truliant Federal Credit Union0.09%(3.0)0.27%
OVM Financial0.10%(3.0)0.50%
Embrace Home Loans0.14%(3.0)4.03%
The Federal Savings Bank0.14%(3.0)0.37%
AnnieMac Home Mortgage0.15%(3.0)1.21%
Integrity Home Mortgage Corp0.15%(2.5)2.25%
Navy Federal Credit Union0.17%(2.5)1.31%
Quicken Loans0.21%(2.5)4.40%
First Bank and Trust Company0.21%(2.5)1.31%
Lender NameRate DifferenceRate RatingMarket Share
ALCOVA Mortgage-0.16%(4.5)6.44%
Member One Federal Credit Union-0.15%(4.0)6.26%
First Reliance Bank-0.14%(4.0)1.99%
Amerisave Mortgage Corporation-0.13%(4.0)1.64%
CapCenter-0.13%(4.0)1.29%
Prosperity Home Mortgage LLC-0.11%(4.0)1.46%
Truist Bank-0.11%(4.0)4.33%
Freedom First Federal Credit Union-0.10%(4.0)5.04%
SWBC Mortgage-0.06%(4.0)0.88%
Atlantic Bay Mortgage Group-0.06%(4.0)9.48%
Caliber Home Loans-0.06%(4.0)0.94%
Guaranteed Rate-0.06%(4.0)0.53%
First Heritage Mortgage-0.05%(3.5)0.70%
Residential Mortgage Services-0.04%(3.5)1.64%
Renasant Bank-0.04%(3.5)2.28%
USAA-0.03%(3.5)0.18%
Movement Mortgage-0.03%(3.5)2.93%
Bank of America-0.02%(3.5)1.00%
Carrington Mortgage Services-0.02%(3.5)0.29%
SunTrust Bank-0.01%(3.5)3.40%
Navy Federal Credit Union-0.01%(3.5)0.53%
Pinnacle Financial Partners-0.01%(3.5)1.35%
Embrace Home Loans-0.00%(3.5)1.93%
loanDepot-0.00%(3.5)2.40%
First Citizens Bank0.00%(3.5)2.52%
The Federal Savings Bank0.01%(3.5)0.23%
Integrity Home Mortgage Corp0.01%(3.5)0.76%
OVM Financial0.01%(3.5)0.12%
Wells Fargo Bank0.02%(3.5)6.26%
JPMorgan Chase Bank0.02%(3.5)2.05%
AnnieMac Home Mortgage0.03%(3.5)0.53%
PennyMac Loan Services0.04%(3.5)0.70%
First Bank and Trust Company0.05%(3.5)1.11%
Truliant Federal Credit Union0.06%(3.0)2.46%
Atlantic Union Bank0.14%(3.0)2.40%
Quicken Loans0.18%(2.5)20.26%
Mr. Cooper0.26%(2.0)1.70%
Lender NameRate DifferenceRate RatingMarket Share
Renasant Bank-0.27%(5.0)4.84%
Freedom First Federal Credit Union-0.17%(4.5)4.45%
Atlantic Bay Mortgage Group-0.07%(4.0)15.68%
ALCOVA Mortgage-0.05%(4.0)10.84%
Caliber Home Loans-0.03%(3.5)0.78%
SWBC Mortgage-0.03%(3.5)2.96%
SunTrust Bank-0.01%(3.5)0.39%
Truist Bank-0.01%(3.5)0.47%
Carrington Mortgage Services-0.00%(3.5)2.57%
PennyMac Loan Services0.01%(3.5)0.55%
Navy Federal Credit Union0.01%(3.5)0.08%
Pinnacle Financial Partners0.01%(3.5)0.23%
First Citizens Bank0.02%(3.5)0.39%
Quicken Loans0.02%(3.5)9.91%
Residential Mortgage Services0.02%(3.5)0.94%
CapCenter0.02%(3.5)0.08%
The Federal Savings Bank0.02%(3.5)1.01%
Amerisave Mortgage Corporation0.03%(3.5)0.31%
JPMorgan Chase Bank0.03%(3.5)0.16%
Prosperity Home Mortgage LLC0.03%(3.5)4.84%
OVM Financial0.04%(3.5)1.33%
Bank of America0.04%(3.5)0.16%
Integrity Home Mortgage Corp0.04%(3.5)4.13%
Guaranteed Rate0.04%(3.5)2.42%
First Heritage Mortgage0.05%(3.0)0.55%
Wells Fargo Bank0.06%(3.0)0.16%
Embrace Home Loans0.06%(3.0)8.42%
Movement Mortgage0.07%(3.0)10.84%
Atlantic Union Bank0.10%(3.0)2.50%
loanDepot0.12%(3.0)2.26%
Mr. Cooper0.14%(3.0)2.03%
AnnieMac Home Mortgage0.25%(2.0)3.74%
Lender NameRate DifferenceRate RatingMarket Share
Renasant Bank-0.30%(5.0)5.24%
Freedom First Federal Credit Union-0.18%(4.5)5.05%
Atlantic Bay Mortgage Group-0.07%(4.0)17.73%
ALCOVA Mortgage-0.06%(4.0)12.20%
Caliber Home Loans-0.04%(3.5)0.76%
SWBC Mortgage-0.03%(3.5)3.62%
SunTrust Bank-0.02%(3.5)0.38%
Truist Bank-0.01%(3.5)0.48%
PennyMac Loan Services-0.00%(3.5)0.19%
Navy Federal Credit Union0.01%(3.5)0.10%
First Citizens Bank0.01%(3.5)0.38%
Pinnacle Financial Partners0.01%(3.5)0.29%
Residential Mortgage Services0.02%(3.5)1.05%
CapCenter0.02%(3.5)0.10%
The Federal Savings Bank0.03%(3.5)1.24%
Prosperity Home Mortgage LLC0.04%(3.5)5.82%
Bank of America0.04%(3.5)0.19%
OVM Financial0.04%(3.5)1.43%
Integrity Home Mortgage Corp0.04%(3.5)4.77%
Guaranteed Rate0.05%(3.5)2.67%
First Heritage Mortgage0.06%(3.0)0.57%
Wells Fargo Bank0.06%(3.0)0.19%
Embrace Home Loans0.06%(3.0)8.20%
Mr. Cooper0.08%(3.0)0.57%
Movement Mortgage0.08%(3.0)12.01%
Quicken Loans0.09%(3.0)5.15%
Atlantic Union Bank0.11%(3.0)2.76%
Carrington Mortgage Services0.13%(3.0)0.67%
loanDepot0.15%(3.0)2.19%
AnnieMac Home Mortgage0.29%(2.0)4.00%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.04%(3.5)31.33%
Carrington Mortgage Services-0.04%(3.5)11.16%
Atlantic Bay Mortgage Group-0.02%(3.5)6.44%
Movement Mortgage-0.02%(3.5)5.58%
Renasant Bank-0.02%(3.5)3.00%
Freedom First Federal Credit Union-0.01%(3.5)1.72%
OVM Financial-0.01%(3.5)0.86%
loanDepot-0.00%(3.5)2.58%
Caliber Home Loans-0.00%(3.5)0.86%
PennyMac Loan Services0.00%(3.5)2.15%
Guaranteed Rate0.01%(3.5)1.29%
Truist Bank0.01%(3.5)0.43%
Integrity Home Mortgage Corp0.01%(3.5)1.29%
SunTrust Bank0.02%(3.5)0.43%
AnnieMac Home Mortgage0.02%(3.5)2.58%
Amerisave Mortgage Corporation0.02%(3.5)1.72%
JPMorgan Chase Bank0.02%(3.5)0.86%
First Citizens Bank0.03%(3.5)0.43%
Residential Mortgage Services0.03%(3.5)0.43%
First Heritage Mortgage0.03%(3.5)0.43%
Prosperity Home Mortgage LLC0.04%(3.5)0.43%
Atlantic Union Bank0.04%(3.5)1.29%
Embrace Home Loans0.04%(3.5)9.44%
ALCOVA Mortgage0.06%(3.0)4.72%
Mr. Cooper0.15%(3.0)8.58%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.04%(3.5)19.05%
Bank of America-0.01%(3.5)10.71%
Truist Bank-0.01%(3.5)8.33%
SunTrust Bank-0.00%(3.5)9.52%
Freedom First Federal Credit Union0.01%(3.5)5.95%
Guaranteed Rate0.01%(3.5)1.19%
First Citizens Bank0.01%(3.5)9.52%
JPMorgan Chase Bank0.01%(3.5)4.76%
Member One Federal Credit Union0.01%(3.5)1.19%
Movement Mortgage0.01%(3.5)1.19%
Navy Federal Credit Union0.01%(3.5)4.76%
Prosperity Home Mortgage LLC0.02%(3.5)2.38%
Quicken Loans0.02%(3.5)1.19%
Pinnacle Financial Partners0.02%(3.5)5.95%
USAA0.03%(3.5)1.19%
Renasant Bank0.03%(3.5)1.19%
Atlantic Bay Mortgage Group0.03%(3.5)5.95%
Atlantic Union Bank0.03%(3.5)5.95%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.04%(3.5)22.39%
Truist Bank-0.01%(3.5)8.96%
SunTrust Bank-0.00%(3.5)10.45%
Freedom First Federal Credit Union0.00%(3.5)4.48%
Guaranteed Rate0.01%(3.5)1.49%
First Citizens Bank0.01%(3.5)10.45%
JPMorgan Chase Bank0.01%(3.5)5.97%
Bank of America0.01%(3.5)2.99%
Movement Mortgage0.02%(3.5)1.49%
Navy Federal Credit Union0.02%(3.5)5.97%
Prosperity Home Mortgage LLC0.02%(3.5)2.99%
Pinnacle Financial Partners0.02%(3.5)4.48%
USAA0.03%(3.5)1.49%
Renasant Bank0.03%(3.5)1.49%
Atlantic Bay Mortgage Group0.03%(3.5)7.46%
Atlantic Union Bank0.03%(3.5)7.46%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.02%(3.5)41.18%
Truist Bank0.01%(3.5)5.88%
Wells Fargo Bank0.01%(3.5)5.88%
Member One Federal Credit Union0.01%(3.5)5.88%
First Citizens Bank0.01%(3.5)5.88%
SunTrust Bank0.01%(3.5)5.88%
Freedom First Federal Credit Union0.01%(3.5)11.76%
Quicken Loans0.02%(3.5)5.88%
Pinnacle Financial Partners0.03%(3.5)11.76%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.14%(4.0)6.74%
Renasant Bank-0.11%(4.0)5.10%
Freedom First Federal Credit Union-0.08%(4.0)3.64%
USAA-0.06%(4.0)8.93%
loanDepot-0.05%(3.5)4.92%
Caliber Home Loans-0.03%(3.5)2.00%
PennyMac Loan Services-0.03%(3.5)3.10%
Wells Fargo Bank-0.01%(3.5)2.55%
Prosperity Home Mortgage LLC-0.01%(3.5)3.10%
Truist Bank-0.01%(3.5)1.09%
Residential Mortgage Services-0.00%(3.5)0.73%
Atlantic Bay Mortgage Group-0.00%(3.5)9.65%
OVM Financial-0.00%(3.5)0.55%
Amerisave Mortgage Corporation0.00%(3.5)0.18%
Bank of America0.00%(3.5)0.18%
Atlantic Union Bank0.01%(3.5)0.36%
SunTrust Bank0.01%(3.5)1.28%
First Citizens Bank0.01%(3.5)0.36%
Guaranteed Rate0.01%(3.5)0.91%
First Heritage Mortgage0.01%(3.5)0.91%
SWBC Mortgage0.02%(3.5)1.28%
Pinnacle Financial Partners0.03%(3.5)0.18%
Movement Mortgage0.03%(3.5)6.38%
Carrington Mortgage Services0.04%(3.5)3.10%
AnnieMac Home Mortgage0.05%(3.0)1.09%
Integrity Home Mortgage Corp0.07%(3.0)1.64%
ALCOVA Mortgage0.07%(3.0)8.20%
The Federal Savings Bank0.07%(3.0)2.73%
Embrace Home Loans0.07%(3.0)4.55%
Quicken Loans0.08%(3.0)12.20%
Mr. Cooper0.11%(3.0)2.37%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.15%(4.5)9.62%
Renasant Bank-0.11%(4.0)7.87%
Freedom First Federal Credit Union-0.09%(4.0)4.08%
USAA-0.06%(4.0)11.08%
Truist Bank-0.02%(3.5)0.87%
Wells Fargo Bank-0.00%(3.5)4.08%
Prosperity Home Mortgage LLC-0.00%(3.5)4.08%
Residential Mortgage Services0.00%(3.5)0.87%
Atlantic Bay Mortgage Group0.00%(3.5)12.83%
OVM Financial0.01%(3.5)0.87%
Bank of America0.01%(3.5)0.29%
Caliber Home Loans0.01%(3.5)0.58%
Atlantic Union Bank0.01%(3.5)0.58%
First Citizens Bank0.02%(3.5)0.58%
SunTrust Bank0.02%(3.5)1.46%
Guaranteed Rate0.02%(3.5)1.17%
First Heritage Mortgage0.02%(3.5)1.17%
SWBC Mortgage0.03%(3.5)2.04%
The Federal Savings Bank0.05%(3.5)0.58%
Carrington Mortgage Services0.05%(3.0)0.58%
Quicken Loans0.06%(3.0)4.66%
loanDepot0.06%(3.0)1.17%
AnnieMac Home Mortgage0.06%(3.0)1.46%
Integrity Home Mortgage Corp0.07%(3.0)2.62%
Movement Mortgage0.08%(3.0)6.41%
Embrace Home Loans0.08%(3.0)6.12%
ALCOVA Mortgage0.11%(3.0)9.62%
Mr. Cooper0.13%(3.0)2.62%
Lender NameRate DifferenceRate RatingMarket Share
loanDepot-0.08%(4.0)11.17%
USAA-0.07%(4.0)5.34%
Caliber Home Loans-0.05%(4.0)4.37%
Freedom First Federal Credit Union-0.05%(3.5)2.91%
Movement Mortgage-0.04%(3.5)6.31%
ALCOVA Mortgage-0.04%(3.5)5.83%
PennyMac Loan Services-0.04%(3.5)8.25%
Navy Federal Credit Union-0.03%(3.5)1.94%
Guaranteed Rate-0.02%(3.5)0.49%
First Heritage Mortgage-0.01%(3.5)0.49%
Amerisave Mortgage Corporation-0.01%(3.5)0.49%
SunTrust Bank-0.01%(3.5)0.97%
Renasant Bank-0.01%(3.5)0.49%
Residential Mortgage Services-0.01%(3.5)0.49%
Prosperity Home Mortgage LLC-0.00%(3.5)1.46%
Truist Bank0.00%(3.5)1.46%
Atlantic Bay Mortgage Group0.00%(3.5)4.37%
Pinnacle Financial Partners0.02%(3.5)0.49%
AnnieMac Home Mortgage0.02%(3.5)0.49%
Embrace Home Loans0.03%(3.5)1.94%
Carrington Mortgage Services0.03%(3.5)7.28%
The Federal Savings Bank0.06%(3.0)6.31%
Mr. Cooper0.07%(3.0)1.94%
Quicken Loans0.07%(3.0)24.76%

* Data is compiled for the Roanoke, VA commuting zone area, which comprises of counties of Botetourt County, VA, Craig County, VA, Floyd County, VA, Franklin County, VA, Giles County, VA, Montgomery County, VA, Pulaski County, VA, Roanoke County, VA, Radford city, VA, Roanoke city, VA, and Salem city, VA. This includes cities/towns/communities of Roanoke, VA as well as Cave Spring, VA, Christiansburg, VA, Salem, VA, Blacksburg, VA, Hollins, VA, Vinton, VA, North Shore, VA, Pulaski, VA, Daleville, VA, Blue Ridge, VA, Rocky Mount, VA, Westlake Corner, VA, Radford, VA, Glenvar, VA, Plum Creek, VA, Floyd, VA, Henry Fork, VA, Pearisburg, VA, Boones Mill, VA, Fairlawn, VA, Cloverdale, VA, Prices Fork, VA, Dublin, VA, Union Hall, VA, Ferrum, VA, Buchanan, VA, New Castle, VA, Fincastle, VA, Hiwassee, VA, Shawsville, VA, Troutville, VA, Pembroke, VA, and Merrimac, 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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