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, MortgageWaldo.com 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
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| ALCOVA Mortgage | -0.07% | 4.55% | |
| Caliber Home Loans | -0.03% | 4.55% | |
| Home Point Financial Corporation | -0.03% | 2.73% | |
| Fairway Independent Mortgage Corporation | -0.02% | 2.73% | |
| Quicken Loans | -0.02% | 27.73% | |
| CBM Mortgage | -0.02% | 5.45% | |
| PrimeLending | -0.02% | 2.73% | |
| Atlantic Bay Mortgage Group | -0.02% | 1.36% | |
| Navy Federal Credit Union | -0.01% | 0.45% | |
| Integrity Home Mortgage Corp | -0.01% | 6.82% | |
| Prosperity Home Mortgage LLC | -0.01% | 0.45% | |
| McLean Mortgage Corporation | -0.01% | 0.45% | |
| PennyMac Loan Services | -0.01% | 5.91% | |
| George Mason Mortgage | -0.00% | 0.45% | |
| Residential Mortgage Services | -0.00% | 0.45% | |
| NewRez | 0.01% | 1.82% | |
| Embrace Home Loans | 0.02% | 1.36% | |
| loanDepot | 0.02% | 3.64% | |
| Freedom Mortgage Corporation | 0.03% | 2.73% | |
| Intercoastal Mortgage Company | 0.03% | 1.82% | |
| Homespire Mortgage | 0.03% | 2.27% | |
| Carrington Mortgage Services | 0.05% | 5.45% | |
| Finance of America Mortgage | 0.05% | 6.36% | |
| Mr. Cooper | 0.07% | 7.73% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| SunTrust Bank | -0.01% | 8.33% | |
| Apple Federal Credit Union | -0.01% | 4.17% | |
| Bank of America | -0.01% | 12.50% | |
| Quicken Loans | -0.01% | 4.17% | |
| Northwest Federal Credit Union | -0.00% | 8.33% | |
| Navy Federal Credit Union | -0.00% | 8.33% | |
| Fairway Independent Mortgage Corporation | 0.00% | 4.17% | |
| Residential Mortgage Services | 0.00% | 8.33% | |
| Finance of America Mortgage | 0.00% | 4.17% | |
| Truist Bank | 0.01% | 33.33% | |
| Wells Fargo Bank | 0.01% | 4.17% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| SunTrust Bank | -0.01% | 6.67% | |
| Navy Federal Credit Union | -0.01% | 6.67% | |
| Apple Federal Credit Union | -0.01% | 6.67% | |
| Bank of America | -0.01% | 13.33% | |
| Quicken Loans | -0.00% | 6.67% | |
| Northwest Federal Credit Union | -0.00% | 6.67% | |
| Fairway Independent Mortgage Corporation | 0.00% | 6.67% | |
| Residential Mortgage Services | 0.00% | 13.33% | |
| Finance of America Mortgage | 0.00% | 6.67% | |
| Truist Bank | 0.00% | 20.00% | |
| Wells Fargo Bank | 0.02% | 6.67% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| SunTrust Bank | -0.01% | 11.11% | |
| Bank of America | -0.01% | 11.11% | |
| Northwest Federal Credit Union | -0.01% | 11.11% | |
| Navy Federal Credit Union | -0.00% | 11.11% | |
| Truist Bank | 0.01% | 55.56% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Caliber Home Loans | -0.06% | 8.91% | |
| Navy Federal Credit Union | -0.06% | 7.43% | |
| USAA | -0.03% | 6.93% | |
| PennyMac Loan Services | -0.02% | 10.40% | |
| Benchmark | -0.02% | 3.47% | |
| Finance of America Mortgage | -0.01% | 4.95% | |
| Movement Mortgage | -0.00% | 1.98% | |
| Embrace Home Loans | -0.00% | 1.49% | |
| Home Point Financial Corporation | -0.00% | 5.45% | |
| Homespire Mortgage | 0.00% | 3.47% | |
| Intercoastal Mortgage Company | 0.01% | 0.50% | |
| First Heritage Mortgage | 0.01% | 0.99% | |
| McLean Mortgage Corporation | 0.01% | 1.49% | |
| Atlantic Coast Mortgage | 0.01% | 0.99% | |
| George Mason Mortgage | 0.01% | 0.99% | |
| Fairway Independent Mortgage Corporation | 0.01% | 1.49% | |
| loanDepot | 0.02% | 5.45% | |
| Truist Bank | 0.02% | 0.50% | |
| NewRez | 0.02% | 0.50% | |
| ALCOVA Mortgage | 0.02% | 2.48% | |
| CBM Mortgage | 0.03% | 0.99% | |
| PrimeLending | 0.03% | 1.98% | |
| Atlantic Bay Mortgage Group | 0.03% | 0.50% | |
| Carrington Mortgage Services | 0.04% | 2.48% | |
| Quicken Loans | 0.04% | 12.87% | |
| Freedom Mortgage Corporation | 0.04% | 1.98% | |
| Integrity Home Mortgage Corp | 0.06% | 7.43% | |
| Mr. Cooper | 0.07% | 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.
Mortgage Lender Rankings in Other Cities
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