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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 Company Lenders in Charlottesville
Updated February 5, 2026
Market Overview
21
Total Lenders
1,597
Total Loans
0.24%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | CAPITAL CENTER, L.L.C. | Exceptional | Exceptional | Strong | Strong | $1,131 | +0.085% | 32 | |
2 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Exceptional | $2,317 | +0.107% | 193 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,862 | -0.050% | 121 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,090 | +0.171% | 204 | |
5 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,696 | +0.136% | 33 | |
6 | GRAY FOX MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,560 | +0.336% | 150 | |
7 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | $3,306 | +0.042% | 84 | |
8 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $3,552 | +0.485% | 77 | |
9 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,529 | +0.128% | 66 | |
10 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,564 | +0.251% | 39 | |
11 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,459 | +0.230% | 38 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,352 | +0.207% | 33 | |
13 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $1,231 | +0.466% | 62 | |
14 | Towne First Mortgage, LLC | Strong | Acceptable | Strong | Strong | $1,913 | +0.333% | 49 | |
15 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Sound | $3,706 | +0.136% | 22 | |
16 | C & F Mortgage Corporation | Strong | Acceptable | Exceptional | Sound | $2,010 | +0.364% | 21 | |
17 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | $1,546 | +0.544% | 23 | |
18 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,037 | +0.325% | 22 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $3,645 | +0.505% | 22 | |
20 | ROSS MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | $4,346 | +0.284% | 21 | |
21 | 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)
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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