🛡️
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 FHA Mortgage Lenders in Roanoke
Updated February 5, 2026
Market Overview
60
Total Lenders
3,316
Total Loans
0.30%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FREEDOM FIRST Federal Credit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,818 | +0.163% | 130 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,391 | +0.184% | 202 | |
3 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,582 | +0.447% | 91 | |
4 | Pinnacle Bank | Exceptional | Strong | Strong | Strong | Strong | $1,561 | -0.048% | 61 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $2,441 | -0.019% | 31 | |
6 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $2,075 | +0.285% | 30 | |
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 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,622 | +0.584% | 168 | |
11 | Atlantic Union Bank | Strong | Sound | Strong | Strong | Exceptional | $2,368 | +0.396% | 116 | |
12 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $1,682 | +0.196% | 62 | |
13 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $1,188 | -0.069% | 20 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $1,255 | -0.097% | 20 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,219 | +0.742% | 48 | |
16 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,249 | +0.335% | 39 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,337 | +0.221% | 29 | |
18 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $2,788 | +0.589% | 24 | |
19 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,602 | +0.502% | 123 | |
20 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,984 | +0.395% | 69 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,746 | +0.322% | 62 | |
22 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,112 | +0.394% | 53 | |
23 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $5,012 | +0.727% | 39 | |
24 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,776 | +0.538% | 21 | |
25 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $3,032 | +0.472% | 18 | |
26 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Sound | $2,889 | +0.771% | 31 | |
27 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,701 | +0.461% | 18 | |
28 | AMERICAN FINANCIAL RESOURCES, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,468 | +0.641% | 13 | |
29 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Acceptable | -$1,438 | +0.086% | 10 | |
30 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,299 | +0.489% | 31 | |
31 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $5,178 | +0.746% | 26 | |
32 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,698 | +0.803% | 22 | |
33 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Exceptional | Sound | Acceptable | $2,817 | -0.475% | 10 | |
34 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $2,699 | +0.691% | 28 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Roanoke, VAFHA
No credit impact
3-minute process
100% free