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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 Conventional Mortgage Lenders in Roanoke

Updated February 5, 2026

Market Overview

Total Lenders

3,316

Total Loans

0.30%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$685	-0.501%	43
2	Truist Bank	Exceptional	Strong	Exceptional	Strong	Strong	$1,682	+0.196%	62
3	First Reliance Bank	Exceptional	Strong	Strong	Exceptional	Strong	$1,453	+0.024%	31
4	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,854	+0.158%	60
5	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Sound	$2,902	-0.053%	16
6	First National Bank of Pennsylvania	Exceptional	Strong	Exceptional	Strong	Sound	$1,533	+0.064%	14
7	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,835	+0.373%	408
8	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,440	+0.462%	396
9	Alcova Mortgage LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,357	+0.453%	242
10	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,391	+0.184%	202
11	FREEDOM FIRST Federal Credit Union	Strong	Sound	Strong	Strong	Exceptional	$1,818	+0.163%	130
12	Atlantic Union Bank	Strong	Sound	Strong	Strong	Exceptional	$2,368	+0.396%	116
13	CNB Bank	Strong	Strong	Strong	Sound	Strong	$785	-0.531%	37
14	First Heritage Mortgage, LLC	Strong	Sound	Exceptional	Exceptional	Sound	$1,873	+0.178%	30
15	Virginia Credit Union, Inc.	Strong	Strong	Strong	Strong	Sound	$1,118	+0.214%	11
16	CAPITAL CENTER, L.L.C.	Strong	Strong	Strong	Strong	Sound	$133	+0.464%	10
17	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,622	+0.584%	168
18	Pinnacle Bank	Strong	Sound	Strong	Strong	Strong	$1,561	-0.048%	61
19	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Sound	$4,337	+0.221%	29
20	Atlantic Coast Mortgage, LLC	Strong	Sound	Exceptional	Strong	Sound	$2,776	+0.538%	21
21	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Sound	$2,660	+0.215%	18
22	First Federal Bank	Strong	Strong	Strong	Sound	Sound	$648	+0.166%	16
23	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,602	+0.502%	123
24	SWBC MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,582	+0.447%	91
25	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,984	+0.395%	69
26	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,746	+0.322%	62
27	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,112	+0.394%	53
28	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,219	+0.742%	48
29	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,249	+0.335%	39
30	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$5,012	+0.727%	39
31	First-Citizens Bank & Trust Company	Strong	Sound	Strong	Sound	Strong	$1,592	+0.032%	36
32	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Sound	$1,255	-0.097%	20
33	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,299	+0.489%	31
34	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Sound	$2,441	-0.019%	31
35	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,075	+0.285%	30
36	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$5,178	+0.746%	26
37	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Sound	$2,788	+0.589%	24
38	GoodLeap, LLC	Strong	Sound	Strong	Sound	Sound	$1,188	-0.069%	20
39	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$3,009	+0.302%	15
40	Plains Commerce Bank	Strong	Acceptable	Exceptional	Strong	Sound	$3,717	+0.322%	14
41	Renasant Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,696	+0.392%	13
42	FIRST COLONY MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$1,729	+0.205%	12
43	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Strong	Strong	Acceptable	$2,340	+0.370%	10
44	Integrity Home Mortgage Corporation	Strong	Acceptable	Strong	Strong	Sound	$2,889	+0.771%	31
45	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$2,699	+0.691%	28
46	USAA Federal Savings Bank	Strong	Sound	Strong	Acceptable	Sound	$2,404	-0.140%	23
47	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,032	+0.472%	18
48	EMBRACE HOME LOANS, INC.	Sound	Acceptable	Strong	Sound	Sound	$3,701	+0.461%	18
49	AMERICAN FINANCIAL RESOURCES, INC.	Sound	Acceptable	Strong	Sound	Sound	$3,468	+0.641%	13

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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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