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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Blacksburg
Updated February 5, 2026
Market Overview
25
Total Lenders
1,216
Total Loans
0.38%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | FREEDOM FIRST Federal Credit Union | Exceptional | Strong | Strong | Exceptional | $1,348 | +0.216% | 93 | |
2 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Exceptional | $1,712 | +0.209% | 106 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,010 | +0.182% | 81 | |
4 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | $2,823 | +0.408% | 168 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,266 | +0.255% | 125 | |
6 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,551 | +0.403% | 101 | |
7 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $2,817 | +0.658% | 90 | |
8 | Atlantic Union Bank | Strong | Sound | Strong | Strong | $2,838 | +0.294% | 30 | |
9 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | $1,811 | +0.244% | 41 | |
10 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,335 | +0.428% | 75 | |
11 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,851 | +0.263% | 30 | |
12 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $979 | +0.615% | 22 | |
13 | Celco Community Federal Credit Union | Sound | Acceptable | Sound | Strong | $0 | +0.958% | 23 | |
14 | Waterstone Mortgage Corporation | Sound | Mediocre | Strong | Strong | $4,585 | +0.502% | 61 | |
15 | FIRST BANCORP, INC. | Sound | Mediocre | Sound | Strong | $1,206 | +0.649% | 25 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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