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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 Charlottesville

Updated February 5, 2026

Market Overview

Total Lenders

2,042

Total Loans

0.19%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	CAPITAL CENTER, L.L.C.	Exceptional	Exceptional	Strong	Strong	$1,131	+0.085%	32
2	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Sound	Strong	$847	-0.333%	43
3	First Heritage Mortgage, LLC	Strong	Sound	Exceptional	Exceptional	$2,317	+0.107%	193
4	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$2,862	-0.050%	121
5	Truist Bank	Strong	Strong	Strong	Strong	$2,251	+0.301%	60
6	Virginia Credit Union, Inc.	Strong	Strong	Strong	Strong	$2,320	+0.055%	32
7	Fulton Bank, National Association	Strong	Sound	Strong	Exceptional	$1,634	+0.290%	135
8	Bank of America, National Association	Strong	Strong	Strong	Sound	$1,320	-0.280%	23
9	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$4,090	+0.171%	204
10	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	$2,696	+0.136%	33
11	Wells Fargo Bank, National Association	Strong	Strong	Sound	Sound	$1,543	-0.134%	21
12	GRAY FOX MORTGAGE, LLC	Strong	Acceptable	Strong	Exceptional	$2,560	+0.336%	150
13	Atlantic Coast Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	$3,306	+0.042%	84
14	NFM, INC.	Strong	Acceptable	Exceptional	Strong	$3,552	+0.485%	77
15	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	$2,529	+0.128%	66
16	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	$2,564	+0.251%	39
17	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	$3,459	+0.230%	38
18	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	$2,352	+0.207%	33
19	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Sound	$1,420	+0.170%	21
20	Prosperity Home Mortgage, LLC	Strong	Acceptable	Strong	Strong	$1,231	+0.466%	62
21	Towne First Mortgage, LLC	Strong	Acceptable	Strong	Strong	$1,913	+0.333%	49
22	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Sound	$3,706	+0.136%	22
23	C & F Mortgage Corporation	Strong	Acceptable	Exceptional	Sound	$2,010	+0.364%	21
24	Mortgage Research Center, LLC	Sound	Acceptable	Strong	Sound	$1,546	+0.544%	23
25	NATIONSTAR MORTGAGE LLC	Sound	Acceptable	Strong	Sound	$3,037	+0.325%	22
26	CROSSCOUNTRY MORTGAGE, LLC	Sound	Acceptable	Strong	Sound	$3,645	+0.505%	22
27	ROSS MORTGAGE CORPORATION	Sound	Acceptable	Strong	Sound	$4,346	+0.284%	21
28	Ixonia Bank	Sound	Mediocre	Strong	Strong	$5,330	+0.455%	48
29	Waterstone Mortgage Corporation	Sound	Mediocre	Strong	Strong	$4,990	+0.332%	37

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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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