# Best Mortgage Lenders in Staunton

**As of:** 2026-05-22

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

> **Canonical URL:** https://saferate.com/staunton/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:** 33
- **Total Loans:** 1,300
- **Median Rate Spread:** 0.23434375%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | DuPont Community Federally Insured State-Chartered Credit Union | 100 | 84 | 83 | 117 | Credit Union |
| 2 | City National Bank of West Virginia | 80 | 61 | 70 | 41 | Bank |
| 3 | F & M BANK CORP. | 78 | 42 | 77 | 58 | Independent Mortgage Company |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 78 | 41 | 93 | 47 | Independent Mortgage Company |
| 5 | Alcova Mortgage LLC | 74 | 32 | 90 | 182 | Independent Mortgage Company |
| 6 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 130 | Independent Mortgage Company |
| 7 | C & F Mortgage Corporation | 74 | 29 | 81 | 71 | Independent Mortgage Company |
| 8 | Truist Bank | 73 | 70 | 68 | 24 | Bank |
| 9 | NAVY FEDERAL CREDIT UNION | 71 | 93 | 60 | 25 | Credit Union |
| 10 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 54 | Independent Mortgage Company |
| 11 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 49 | Independent Mortgage Company |
| 12 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 48 | Independent Mortgage Company |
| 13 | NFM, INC. | 68 | 23 | 87 | 44 | Independent Mortgage Company |
| 14 | Integrity Home Mortgage Corporation | 68 | 22 | 83 | 35 | Independent Mortgage Company |
| 15 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 68 | 25 | 90 | 30 | Independent Mortgage Company |
| 16 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 21 | Independent Mortgage Company |
| 17 | PENNYMAC LOAN SERVICES, LLC | 66 | 56 | 63 | 20 | Independent Mortgage Company |
| 18 | Prosperity Home Mortgage, LLC | 63 | 37 | 77 | 30 | Independent Mortgage Company |
| 19 | GRAY FOX MORTGAGE, LLC | 63 | 28 | 77 | 21 | Independent Mortgage Company |
| 20 | Mortgage Research Center, LLC | 58 | 34 | 70 | 29 | Independent Mortgage Company |
| 21 | Waterstone Mortgage Corporation | 50 | 15 | 80 | 38 | Independent Mortgage Company |
| 22 | FIRST BANCORP, INC. | 46 | 16 | 49 | 23 | Bank |

## 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 Staunton.

Our composite SafeRate Score is derived using an equal, geometric weighting 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.