Safe Rate Rankings

Best All Lender Mortgage Lenders in Staunton

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders33

Total Loans1,300

Median Rate Spread0.23%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	DuPont Community Federally Insured State-Chartered Credit UnionCredit Union	Exceptional	Exceptional	Exceptional	Exceptional	$252Fees	0.182%Below	117
2	City National Bank of West VirginiaBank	Strong	Strong	Strong	Strong	$116Credit	0.317%Below	41
3	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$598Fees	0.674%Below	25
4	F & M BANK CORP.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,224Fees	0.338%Above	58
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$3,477Fees	0.098%Below	47
6	Truist BankBank	Strong	Strong	Strong	Sound	$3,771Fees	0.017%Above	24
7	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,137Fees	0.716%Above	182
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,906Fees	0.310%Above	130
9	C & F Mortgage CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,766Fees	0.581%Above	71
10	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,205Fees	0.475%Above	54
11	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,550Fees	0.785%Above	49
12	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,894Fees	0.295%Above	48
13	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,161Fees	0.737%Above	44
14	Integrity Home Mortgage CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,203Fees	0.492%Above	35
15	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,187Fees	0.471%Above	30
16	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,965Fees	0.060%Above	21
17	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,415Fees	0.101%Above	20
18	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,708Fees	0.478%Above	30
19	GRAY FOX MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,251Fees	0.242%Above	21
20	Waterstone Mortgage CorporationIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	$4,449Fees	0.633%Above	38
21	FIRST BANCORP, INC.Bank	Sound	Mediocre	Sound	Strong	$1,377Fees	0.729%Above	23

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.