# Best Mortgage Lenders in Charlottesville, VA

**As of:** 2026-06-04

Compare the top mortgage lenders in Charlottesville, VA. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/local/charlottesville-va/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 48
- **Total Loans:** 2,042
- **Median Rate Spread:** 0.1935%

## Top Lenders

| Rank | Lender | Safe Rate Score | Pricing | Pull-Through | Place | Avg Fees | Rate Spread | Volume | Type | Channel | Notes |
|------|--------|----------------|---------|--------------|-------|----------|-------------|--------|------|---------|-------|
| 1 | [First Heritage Mortgage, LLC](https://saferate.com/lenders/first-heritage-mortgage) | 78 | 51 | 89 | 96 | $2317 | 0.107% | 193 | Independent Mortgage Company | Direct | — |
| 2 | [NAVY FEDERAL CREDIT UNION](https://saferate.com/lenders/navy-federal-credit-union) | 73 | 93 | 60 | 65 | $847 | -0.333% | 43 | Credit Union | Direct | — |
| 3 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | 72 | 29 | 95 | 93 | $4090 | 0.171% | 204 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Rocket Mortgage directly or with a mortgage broker. |
| 4 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | 72 | 41 | 93 | 83 | $2862 | -0.050% | 121 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 5 | [Virginia Credit Union, Inc.](https://saferate.com/lenders/virginia-credit-union) | 72 | 75 | 76 | 64 | $2320 | 0.055% | 32 | Credit Union | Direct | — |
| 6 | [Truist Bank](https://saferate.com/lenders/truist-bank) | 70 | 70 | 68 | 72 | $2251 | 0.301% | 60 | Bank | Direct | — |
| 7 | [CAPITAL CENTER, L.L.C.](https://saferate.com/lenders/capital-center) | 70 | 81 | 65 | 63 | $1131 | 0.085% | 32 | Independent Mortgage Company | Direct | — |
| 8 | [GRAY FOX MORTGAGE, LLC](https://saferate.com/lenders/gray-fox-mortgage) | 68 | 28 | 77 | 100 | $2560 | 0.336% | 150 | Independent Mortgage Company | Direct | — |
| 9 | [Atlantic Coast Mortgage, LLC](https://saferate.com/lenders/atlantic-coast-mortgage) | 67 | 37 | 84 | 80 | $3306 | 0.042% | 84 | Independent Mortgage Company | Direct | — |
| 10 | [Bank of America, National Association](https://saferate.com/lenders/bank-of-america-national-association) | 67 | 73 | 75 | 54 | $1320 | -0.280% | 23 | Bank | Direct | — |
| 11 | [Fulton Bank, National Association](https://saferate.com/lenders/fulton-bank-national-association) | 65 | 40 | 64 | 91 | $1634 | 0.290% | 135 | Bank | Direct | — |
| 12 | [NFM, INC.](https://saferate.com/lenders/nfm) | 62 | 23 | 87 | 76 | $3552 | 0.485% | 77 | Independent Mortgage Company | Direct | — |
| 13 | [CMG MORTGAGE, INC.](https://saferate.com/lenders/cmg-mortgage) | 62 | 33 | 81 | 73 | $2529 | 0.128% | 66 | Independent Mortgage Company | Direct | — |
| 14 | [Prosperity Home Mortgage, LLC](https://saferate.com/lenders/prosperity-home-mortgage) | 62 | 37 | 77 | 72 | $1231 | 0.466% | 62 | Independent Mortgage Company | Direct | — |
| 15 | [FIRST COMMUNITY MORTGAGE, INC.](https://saferate.com/lenders/first-community-mortgage) | 61 | 31 | 89 | 64 | $2564 | 0.251% | 39 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with First Community Mortgage directly or with a mortgage broker. |
| 16 | [FREEDOM MORTGAGE CORPORATION](https://saferate.com/lenders/freedom-mortgage) | 61 | 55 | 67 | 60 | $2696 | 0.136% | 33 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Freedom Mortgage Corporation directly or with a mortgage broker. |
| 17 | [Towne First Mortgage, LLC](https://saferate.com/lenders/towne-first-mortgage) | 59 | 33 | 70 | 75 | $1913 | 0.333% | 49 | Independent Mortgage Company | Direct | — |
| 18 | [MOVEMENT MORTGAGE, LLC](https://saferate.com/lenders/movement-mortgage) | 59 | 32 | 84 | 63 | $3459 | 0.230% | 38 | Independent Mortgage Company | Direct | — |
| 19 | [Wells Fargo Bank, National Association](https://saferate.com/lenders/wells-fargo-bank-national-association) | 58 | 63 | 59 | 52 | $1543 | -0.134% | 21 | Bank | Direct | — |
| 20 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | 57 | 49 | 70 | 52 | $1420 | 0.170% | 21 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with JPMorgan Chase Bank, National Association directly or with a mortgage broker. |
| 21 | [GUILD MORTGAGE COMPANY LLC](https://saferate.com/lenders/guild-mortgage-company) | 56 | 25 | 83 | 60 | $2352 | 0.207% | 33 | Independent Mortgage Company | Direct | — |
| 22 | [ATLANTIC BAY MORTGAGE GROUP, L.L.C.](https://saferate.com/lenders/atlantic-bay-mortgage-group) | 56 | 25 | 90 | 53 | $3706 | 0.136% | 22 | Independent Mortgage Company | Direct | — |
| 23 | [C & F Mortgage Corporation](https://saferate.com/lenders/c-f-mortgage) | 55 | 29 | 81 | 55 | $2010 | 0.364% | 21 | Independent Mortgage Company | Direct | — |
| 24 | [Ixonia Bank](https://saferate.com/lenders/ixonia-bank) | 54 | 17 | 78 | 68 | $5330 | 0.455% | 48 | Bank | Direct | — |
| 25 | [Waterstone Mortgage Corporation](https://saferate.com/lenders/waterstone-mortgage) | 53 | 15 | 80 | 63 | $4990 | 0.332% | 37 | Independent Mortgage Company | Direct | — |
| 26 | [Mortgage Research Center, LLC](https://saferate.com/lenders/mortgage-research-center) | 52 | 34 | 70 | 54 | $1546 | 0.544% | 23 | Independent Mortgage Company | Direct | — |
| 27 | [ROSS MORTGAGE CORPORATION](https://saferate.com/lenders/ross-mortgage) | 51 | 29 | 68 | 56 | $4346 | 0.284% | 21 | Independent Mortgage Company | Direct | — |
| 28 | [NATIONSTAR MORTGAGE LLC](https://saferate.com/lenders/nationstar-mortgage) | 50 | 26 | 71 | 53 | $3037 | 0.325% | 22 | Independent Mortgage Company | Direct | — |
| 29 | [CROSSCOUNTRY MORTGAGE, LLC](https://saferate.com/lenders/crosscountry-mortgage) | 49 | 20 | 76 | 53 | $3645 | 0.505% | 22 | Independent Mortgage Company | Direct | — |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Charlottesville, VA.

Our composite Safe Rate Score is derived using a weighted average of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.

## Licensing & Disclosures

Lender rankings and market statistics are created by [Dylan Hall, licensed mortgage loan officer (NMLS #1658740)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by [PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.