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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 Conventional Mortgage Company Lenders in Staunton
Updated February 5, 2026
Market Overview
19
Total Lenders
1,300
Total Loans
0.23%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,137 | +0.716% | 182 | |
2 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,906 | +0.310% | 130 | |
3 | F & M BANK CORP. | Strong | Sound | Strong | Strong | Exceptional | $2,224 | +0.338% | 58 | |
4 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Exceptional | Sound | $2,018 | +0.405% | 19 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,477 | -0.098% | 47 | |
6 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,187 | +0.471% | 30 | |
7 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,663 | +0.129% | 11 | |
8 | C & F Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $2,766 | +0.581% | 71 | |
9 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,205 | +0.475% | 54 | |
10 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,550 | +0.785% | 49 | |
11 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,894 | +0.295% | 48 | |
12 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,708 | +0.478% | 30 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,415 | +0.101% | 20 | |
14 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Strong | $3,203 | +0.492% | 35 | |
15 | GRAY FOX MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,251 | +0.242% | 21 | |
16 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,161 | +0.737% | 44 | |
17 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $4,449 | +0.633% | 38 | |
18 | EMBRACE HOME LOANS, INC. | Sound | Acceptable | Strong | Sound | Sound | $1,648 | +0.090% | 12 | |
19 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | Acceptable | $2,426 | +0.851% | 10 |
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.
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