# Best Conventional Mortgage Lenders in Staunton

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

Compare the top Conventional mortgage lenders in Staunton. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/staunton/best-mortgage-lenders/conventional-loans


> **📋 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 | 95 | 83 | 86 | 117 | Credit Union |
| 2 | City National Bank of West Virginia | 85 | 61 | 70 | 41 | Bank |
| 3 | Alcova Mortgage LLC | 80 | 31 | 82 | 182 | Independent Mortgage Company |
| 4 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 130 | Independent Mortgage Company |
| 5 | F & M BANK CORP. | 79 | 44 | 72 | 58 | Independent Mortgage Company |
| 6 | Truist Bank | 79 | 71 | 69 | 24 | Bank |
| 7 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 25 | Credit Union |
| 8 | First Heritage Mortgage, LLC | 77 | 47 | 81 | 19 | Independent Mortgage Company |
| 9 | UNITED WHOLESALE MORTGAGE, LLC | 75 | 36 | 86 | 47 | Independent Mortgage Company |
| 10 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 75 | 25 | 80 | 30 | Independent Mortgage Company |
| 11 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 17 | Bank |
| 12 | Atlantic Coast Mortgage, LLC | 73 | 40 | 76 | 11 | Independent Mortgage Company |
| 13 | C & F Mortgage Corporation | 71 | 34 | 74 | 71 | Independent Mortgage Company |
| 14 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 54 | Independent Mortgage Company |
| 15 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 49 | Independent Mortgage Company |
| 16 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 48 | Independent Mortgage Company |
| 17 | Prosperity Home Mortgage, LLC | 71 | 33 | 71 | 30 | Independent Mortgage Company |
| 18 | United Bank | 69 | 53 | 70 | 12 | Bank |
| 19 | PENNYMAC LOAN SERVICES, LLC | 68 | 42 | 59 | 20 | Independent Mortgage Company |
| 20 | Integrity Home Mortgage Corporation | 67 | 22 | 75 | 35 | Independent Mortgage Company |
| 21 | GRAY FOX MORTGAGE, LLC | 67 | 27 | 80 | 21 | Independent Mortgage Company |
| 22 | PARK VIEW FEDERAL CREDIT UNION | 62 | 28 | 84 | 14 | Credit Union |
| 23 | NFM, INC. | 60 | 19 | 77 | 44 | Independent Mortgage Company |
| 24 | Waterstone Mortgage Corporation | 60 | 17 | 72 | 38 | Independent Mortgage Company |
| 25 | EMBRACE HOME LOANS, INC. | 58 | 32 | 60 | 12 | Independent Mortgage Company |
| 26 | FIRST BANCORP, INC. | 57 | 16 | 62 | 23 | Bank |
| 27 | Ixonia Bank | 56 | 19 | 71 | 13 | Bank |
| 28 | EVERETT FINANCIAL, INC. | 50 | 13 | 71 | 10 | Independent Mortgage Company |

## 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.