# Best Mortgage Lenders in Charlottesville, VA - 2026


> **📋 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


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

## Market Overview

- **Location:** Charlottesville, VA
- **Ranking Type:** Best Mortgage Lenders
- **Scope:** All Mortgage Lenders
- **Total Lenders in Market:** 48
- **Total Loan Volume:** 2,042
- **Last Updated:** 2026-02-05

## Top Lenders

| Rank | Lender | Type | Overall | Pricing | Pull Through |
|------|--------|------|---------|---------|--------------|
| 1 | [CAPITAL CENTER, L.L.C.](https://saferate.com/lenders/capital-center) | Independent Mortgage Company | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 2 | [First Heritage Mortgage, LLC](https://saferate.com/lenders/first-heritage-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Sound ☺️ | Exceptional 🤩 |
| 3 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Sound ☺️ | Exceptional 🤩 |
| 4 | [Truist Bank](https://saferate.com/lenders/truist-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 5 | [Virginia Credit Union, Inc.](https://saferate.com/lenders/virginia-credit-union) | Credit Union | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 6 | [Fulton Bank, National Association](https://saferate.com/lenders/fulton-bank-national-association) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 7 | [NAVY FEDERAL CREDIT UNION](https://saferate.com/lenders/navy-federal-credit-union) | Credit Union | Strong 😀 | Exceptional 🤩 | Sound ☺️ |
| 8 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Exceptional 🤩 |
| 9 | [FREEDOM MORTGAGE CORPORATION](https://saferate.com/lenders/freedom-mortgage) | Independent Mortgage Company | Strong 😀 | Sound ☺️ | Strong 😀 |
| 10 | [Bank of America, National Association](https://saferate.com/lenders/bank-of-america-national-association) | Bank | Strong 😀 | Strong 😀 | Strong 😀 |
| 11 | [GRAY FOX MORTGAGE, LLC](https://saferate.com/lenders/gray-fox-mortgage) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 12 | [Atlantic Coast Mortgage, LLC](https://saferate.com/lenders/atlantic-coast-mortgage) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Exceptional 🤩 |
| 13 | [NFM, INC.](https://saferate.com/lenders/nfm) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Exceptional 🤩 |
| 14 | [CMG MORTGAGE, INC.](https://saferate.com/lenders/cmg-mortgage) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Exceptional 🤩 |
| 15 | [FIRST COMMUNITY MORTGAGE, INC.](https://saferate.com/lenders/first-community-mortgage) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Exceptional 🤩 |
| 16 | [MOVEMENT MORTGAGE, LLC](https://saferate.com/lenders/movement-mortgage) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Exceptional 🤩 |
| 17 | [GUILD MORTGAGE COMPANY LLC](https://saferate.com/lenders/guild-mortgage-company) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Exceptional 🤩 |
| 18 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 19 | [Wells Fargo Bank, National Association](https://saferate.com/lenders/wells-fargo-bank-national-association) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 20 | [Prosperity Home Mortgage, LLC](https://saferate.com/lenders/prosperity-home-mortgage) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 21 | [Towne First Mortgage, LLC](https://saferate.com/lenders/towne-first-mortgage) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 22 | [ATLANTIC BAY MORTGAGE GROUP, L.L.C.](https://saferate.com/lenders/atlantic-bay-mortgage-group) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Exceptional 🤩 |
| 23 | [C & F Mortgage Corporation](https://saferate.com/lenders/c-f-mortgage) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Exceptional 🤩 |
| 24 | [Mortgage Research Center, LLC](https://saferate.com/lenders/mortgage-research-center) | Independent Mortgage Company | Sound ☺️ | Acceptable 🙂 | Strong 😀 |
| 25 | [NATIONSTAR MORTGAGE LLC](https://saferate.com/lenders/nationstar-mortgage) | Independent Mortgage Company | Sound ☺️ | Acceptable 🙂 | Strong 😀 |

## Lender Profiles

Click on any lender above to view their full Safe Rate profile, including:
- Detailed pricing analysis
- Pull-through rates
- Product specializations
- Safe Rate Awards
- Geographic coverage

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*Rankings provided by Safe Rate based on HMDA data analysis.*
*Data Version: 2024-HMDA | Last Updated: 2026-02-05*

[View interactive rankings on Safe Rate](https://saferate.com/charlottesville-va/best-mortgage-lenders)