Top Mortgage Lenders in Staunton, VA

Which mortgage lender in the Staunton, 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 Staunton, 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 Staunton, VA area in terms of interest rate is DuPont Community Credit Union, with an average “Rate Difference” of -0.16%. This means that, comparing similar borrowers, DuPont Community Credit Union provided a -0.16% lower interest rate for its customers than other lenders in the area. DuPont Community Credit Union has a market share of 11.5%. On the other hand, the most popular lender in the Staunton, VA area is Quicken Loans, with a larger market share of 13.8%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.18% compared to those of other lenders. We recommend shopping around before going with this popular lender.

Our detailed ranking of mortgage lenders in the Staunton, 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 Staunton, VA is Movement Mortgage. 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 USAA. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is C&F Mortgage Corp. 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 Staunton, VA

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
DuPont Community Credit Union-0.16%(4.5)11.45%
Movement Mortgage-0.10%(4.0)7.69%
C&F Mortgage Corp-0.08%(4.0)7.92%
F&M Bank VA-0.08%(4.0)5.96%
Prosperity Home Mortgage LLC-0.06%(4.0)4.28%
Wells Fargo Bank-0.01%(3.5)5.15%
Atlantic Bay Mortgage Group-0.01%(3.5)4.11%
George Mason Mortgage-0.00%(3.5)2.66%
USAA0.00%(3.5)2.54%
loanDepot0.01%(3.5)1.85%
Truist Bank0.04%(3.5)6.59%
ALCOVA Mortgage0.04%(3.5)13.77%
Waterstone Mortgage Corporation0.06%(3.0)3.24%
Integrity Home Mortgage Corp0.06%(3.0)7.00%
Navy Federal Credit Union0.08%(3.0)1.97%
Quicken Loans0.18%(2.5)13.82%
Lender NameRate DifferenceRate RatingMarket Share
Movement Mortgage-0.10%(4.0)10.29%
C&F Mortgage Corp-0.09%(4.0)9.86%
F&M Bank VA-0.09%(4.0)7.29%
Prosperity Home Mortgage LLC-0.06%(4.0)5.66%
DuPont Community Credit Union-0.06%(4.0)7.20%
Wells Fargo Bank-0.03%(3.5)5.66%
George Mason Mortgage-0.03%(3.5)2.83%
Atlantic Bay Mortgage Group-0.01%(3.5)4.46%
USAA0.01%(3.5)3.26%
loanDepot0.04%(3.5)0.60%
ALCOVA Mortgage0.06%(3.0)14.41%
Waterstone Mortgage Corporation0.06%(3.0)4.20%
Integrity Home Mortgage Corp0.08%(3.0)9.01%
Truist Bank0.08%(3.0)5.66%
Navy Federal Credit Union0.10%(3.0)2.57%
Quicken Loans0.15%(2.5)7.03%
Lender NameRate DifferenceRate RatingMarket Share
DuPont Community Credit Union-0.25%(5.0)20.25%
Truist Bank-0.02%(3.5)8.53%
loanDepot-0.02%(3.5)4.44%
F&M Bank VA-0.01%(3.5)3.20%
Prosperity Home Mortgage LLC-0.01%(3.5)1.42%
C&F Mortgage Corp0.00%(3.5)3.91%
Navy Federal Credit Union0.00%(3.5)0.71%
Atlantic Bay Mortgage Group0.00%(3.5)3.37%
USAA0.01%(3.5)1.07%
ALCOVA Mortgage0.01%(3.5)12.43%
Integrity Home Mortgage Corp0.01%(3.5)2.84%
Movement Mortgage0.02%(3.5)2.31%
Wells Fargo Bank0.04%(3.5)4.09%
George Mason Mortgage0.06%(3.0)2.31%
Waterstone Mortgage Corporation0.06%(3.0)1.24%
Quicken Loans0.17%(2.5)27.89%
Lender NameRate DifferenceRate RatingMarket Share
Movement Mortgage-0.15%(4.5)7.49%
DuPont Community Credit Union-0.15%(4.5)15.62%
C&F Mortgage Corp-0.14%(4.0)4.43%
F&M Bank VA-0.12%(4.0)6.12%
Prosperity Home Mortgage LLC-0.09%(4.0)4.11%
Atlantic Bay Mortgage Group-0.01%(3.5)4.35%
Wells Fargo Bank-0.00%(3.5)6.68%
George Mason Mortgage-0.00%(3.5)2.98%
USAA0.01%(3.5)2.01%
loanDepot0.03%(3.5)1.61%
Waterstone Mortgage Corporation0.03%(3.5)2.98%
ALCOVA Mortgage0.05%(3.5)12.08%
Truist Bank0.05%(3.0)8.53%
Integrity Home Mortgage Corp0.07%(3.0)5.64%
Navy Federal Credit Union0.19%(2.5)1.45%
Quicken Loans0.24%(2.5)13.93%
Lender NameRate DifferenceRate RatingMarket Share
C&F Mortgage Corp-0.17%(4.5)5.27%
Movement Mortgage-0.16%(4.5)10.67%
F&M Bank VA-0.14%(4.0)7.46%
Prosperity Home Mortgage LLC-0.08%(4.0)6.04%
DuPont Community Credit Union-0.04%(3.5)10.41%
George Mason Mortgage-0.03%(3.5)3.21%
Wells Fargo Bank-0.02%(3.5)7.71%
Atlantic Bay Mortgage Group-0.01%(3.5)4.50%
USAA0.03%(3.5)2.83%
Waterstone Mortgage Corporation0.04%(3.5)3.86%
loanDepot0.06%(3.0)0.64%
ALCOVA Mortgage0.08%(3.0)13.11%
Integrity Home Mortgage Corp0.10%(3.0)7.58%
Truist Bank0.10%(3.0)7.71%
Quicken Loans0.21%(2.5)6.81%
Navy Federal Credit Union0.22%(2.5)2.19%
Lender NameRate DifferenceRate RatingMarket Share
DuPont Community Credit Union-0.25%(5.0)24.35%
Truist Bank-0.02%(3.5)9.91%
C&F Mortgage Corp-0.02%(3.5)3.02%
loanDepot-0.02%(3.5)3.23%
Prosperity Home Mortgage LLC-0.02%(3.5)0.86%
ALCOVA Mortgage-0.01%(3.5)10.34%
F&M Bank VA-0.00%(3.5)3.88%
Atlantic Bay Mortgage Group0.01%(3.5)4.09%
Navy Federal Credit Union0.01%(3.5)0.22%
USAA0.02%(3.5)0.65%
Movement Mortgage0.02%(3.5)2.16%
Integrity Home Mortgage Corp0.03%(3.5)2.37%
Wells Fargo Bank0.05%(3.5)4.96%
Waterstone Mortgage Corporation0.07%(3.0)1.51%
George Mason Mortgage0.07%(3.0)2.59%
Quicken Loans0.23%(2.5)25.86%
Lender NameRate DifferenceRate RatingMarket Share
C&F Mortgage Corp-0.08%(4.0)20.82%
Prosperity Home Mortgage LLC-0.00%(3.5)4.42%
Atlantic Bay Mortgage Group0.01%(3.5)2.21%
loanDepot0.01%(3.5)1.26%
Movement Mortgage0.01%(3.5)9.46%
ALCOVA Mortgage0.01%(3.5)19.56%
George Mason Mortgage0.01%(3.5)1.26%
Quicken Loans0.02%(3.5)15.46%
Truist Bank0.02%(3.5)0.32%
F&M Bank VA0.03%(3.5)7.57%
Integrity Home Mortgage Corp0.03%(3.5)12.62%
Waterstone Mortgage Corporation0.10%(3.0)5.05%
Lender NameRate DifferenceRate RatingMarket Share
C&F Mortgage Corp-0.10%(4.0)22.01%
loanDepot-0.00%(3.5)0.75%
Prosperity Home Mortgage LLC-0.00%(3.5)4.85%
ALCOVA Mortgage0.00%(3.5)18.66%
Atlantic Bay Mortgage Group0.01%(3.5)2.61%
Movement Mortgage0.01%(3.5)10.82%
George Mason Mortgage0.02%(3.5)1.49%
Truist Bank0.02%(3.5)0.37%
F&M Bank VA0.03%(3.5)8.96%
Integrity Home Mortgage Corp0.04%(3.5)13.81%
Quicken Loans0.05%(3.5)9.70%
Waterstone Mortgage Corporation0.10%(3.0)5.97%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.03%(3.5)46.94%
Integrity Home Mortgage Corp-0.03%(3.5)6.12%
Prosperity Home Mortgage LLC-0.01%(3.5)2.04%
Movement Mortgage-0.01%(3.5)2.04%
loanDepot0.01%(3.5)4.08%
C&F Mortgage Corp0.03%(3.5)14.29%
ALCOVA Mortgage0.05%(3.5)24.49%
Lender NameRate DifferenceRate RatingMarket Share
USAA-0.02%(3.5)16.67%
DuPont Community Credit Union-0.00%(3.5)16.67%
Atlantic Bay Mortgage Group0.00%(3.5)33.33%
Truist Bank0.01%(3.5)33.33%
Lender NameRate DifferenceRate RatingMarket Share
USAA-0.02%(3.5)25.00%
Atlantic Bay Mortgage Group0.00%(3.5)50.00%
Truist Bank0.01%(3.5)25.00%
Lender NameRate DifferenceRate RatingMarket Share
DuPont Community Credit Union-0.00%(3.5)50.00%
Truist Bank0.00%(3.5)50.00%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.07%(4.0)9.76%
USAA-0.04%(3.5)10.98%
Atlantic Bay Mortgage Group-0.03%(3.5)4.88%
loanDepot-0.03%(3.5)4.88%
Wells Fargo Bank-0.02%(3.5)3.66%
Prosperity Home Mortgage LLC-0.01%(3.5)5.49%
C&F Mortgage Corp0.00%(3.5)9.76%
Truist Bank0.00%(3.5)3.05%
DuPont Community Credit Union0.01%(3.5)1.83%
Integrity Home Mortgage Corp0.01%(3.5)6.71%
George Mason Mortgage0.02%(3.5)3.05%
Quicken Loans0.02%(3.5)10.37%
Waterstone Mortgage Corporation0.03%(3.5)1.83%
Movement Mortgage0.04%(3.5)6.10%
ALCOVA Mortgage0.04%(3.5)15.85%
F&M Bank VA0.06%(3.0)1.83%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.08%(4.0)11.21%
USAA-0.04%(3.5)12.93%
Atlantic Bay Mortgage Group-0.03%(3.5)6.90%
Wells Fargo Bank-0.01%(3.5)5.17%
Prosperity Home Mortgage LLC-0.01%(3.5)5.17%
Truist Bank0.00%(3.5)3.45%
C&F Mortgage Corp0.00%(3.5)12.93%
DuPont Community Credit Union0.02%(3.5)2.59%
Quicken Loans0.02%(3.5)2.59%
Integrity Home Mortgage Corp0.02%(3.5)7.76%
George Mason Mortgage0.02%(3.5)3.45%
Waterstone Mortgage Corporation0.03%(3.5)2.59%
Movement Mortgage0.05%(3.5)6.90%
ALCOVA Mortgage0.06%(3.0)13.79%
F&M Bank VA0.06%(3.0)2.59%
Lender NameRate DifferenceRate RatingMarket Share
loanDepot-0.04%(3.5)16.67%
USAA-0.02%(3.5)6.25%
Navy Federal Credit Union-0.01%(3.5)6.25%
Prosperity Home Mortgage LLC-0.01%(3.5)6.25%
Integrity Home Mortgage Corp-0.01%(3.5)4.17%
George Mason Mortgage0.01%(3.5)2.08%
C&F Mortgage Corp0.01%(3.5)2.08%
ALCOVA Mortgage0.01%(3.5)20.83%
Movement Mortgage0.01%(3.5)4.17%
Truist Bank0.02%(3.5)2.08%
Quicken Loans0.02%(3.5)29.17%

* Data is compiled for the Staunton, VA commuting zone area, which comprises of counties of Alleghany County, VA, Augusta County, VA, Bath County, VA, Highland County, VA, Rockbridge County, VA, Buena Vista city, VA, Clifton Forge city, VA, Covington city, VA, Lexington city, VA, Staunton city, VA, and Waynesboro city, VA. This includes cities/towns/communities of Staunton, VA as well as Waynesboro, VA, Stuarts Draft, VA, Fishersville, VA, Lyndhurst, VA, Weyers Cave, VA, Churchville, VA, Verona, VA, East Lexington, VA, Jolivue, VA, Greenville, VA, Crimora, VA, Dooms, VA, Lexington, VA, Buena Vista, VA, Goshen, VA, Covington, VA, Hot Springs, VA, Craigsville, VA, Clifton Forge, VA, Selma, VA, Glasgow, VA, Low Moor, VA, Monterey, VA, and Callaghan, 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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