STAUNTON Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Staunton averaged 5.52% for the week of 2022-05-12, compared to the national average of 5.3% for the same period.

The average rate for the prior week (2022-05-05) was 5.39% and one month ago for the week of 2022-04-07, the average rate was 4.84%.

Staunton's average rate one year ago was 3.1%.

For refis of the same type during the week of 2022-05-12, the average rate was 5.47%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-12 5.3%
Staunton 30 Year Fixed Rate 2022-05-12 5.52%
Staunton 30 Year Fixed Rate Refi 2022-05-12 5.47%
Staunton 15 Year Fixed Rate 2022-05-12 5.27%
Staunton 15 Year Fixed Rate Refi 2022-05-12 4.59%
Staunton 30 Year FHA 2022-05-12 5.63%
Staunton 30 Year FHA Refi 2022-05-12 5.41%
Staunton 30 Year USDA 2022-05-12 5.27%
Staunton 30 Year USDA Refi 2022-05-12 5.05%
Staunton 30 Year VA 2022-05-12 5.35%
Staunton 30 Year VA Refi 2022-05-12 5.18%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within STAUNTON, VA.

STAUNTON Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the STAUNTON, VA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
DUPONT COMMUNITY 408 2.84% $2,305
Alcova Mortgage LLC 248 3.27% $2,674
QUICKEN LOANS, LLC 198 3.07% $4,717
C & F Mortgage Corporation 153 3.15% $3,311
Integrity Home Mortgage Corp 108 3.18% $4,056
MOVEMENT MORTGAGE, LLC 105 3.05% $3,580
F & M BANK CORP. 84 3.06% $3,195
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 65 3.26% $3,772
City National Bank of West Virginia 61 3.35% $1,630
Truist Bank 61 3.04% $3,522
Wells Fargo Bank 54 3.13% $3,673
Prosperity Home Mortgage, LLC 48 3.14% $4,595
FIRST BANCORP, INC. 43 3.49% $2,875
George Mason Mortgage, LLC 40 3.13% $4,272
LOANDEPOT.COM, LLC 36 3.01% $4,846
Waterstone Mortgage Corporation 32 3.31% $5,003
UNITED WHOLESALE MORTGAGE, LLC 30 2.97% $4,394
AMERISAVE MORTGAGE CORPORATION 29 2.85% $4,468
PRIMARY RESIDENTIAL MORTGAGE, INC. 28 3.07% $4,416
Atlantic Coast Mortgage, LLC 25 3.00% $4,181
Mr. Cooper ( Nationstar Mortgage ) 24 3.19% $4,859
Atlantic Union Bank 21 3.20% $4,102
CAPITAL CENTER, L.L.C. 20 3.03% $784
JPMorgan Chase Bank 18 3.18% $2,535
NFM, INC. 17 3.05% $4,040
NAVY FEDERAL CREDIT UNION 17 3.29% $4,677
First Heritage Mortgage, LLC 16 3.08% $3,487
PENNYMAC LOAN SERVICES, LLC 15 3.18% $4,547
CBM Mortgage, Inc. 14 3.42% $3,484
AgFirst Farm Credit Bank 12 3.20% $2,692
NEWREZ LLC 12 3.09% $3,730
First-Citizens Bank & Trust Company 12 3.06% $2,872
Renasant Bank 11 3.06% $3,881
BETTER MORTGAGE CORPORATION 11 2.86% $3,425
HOME POINT FINANCIAL CORPORATION 11 3.04% $3,541
BROKER SOLUTIONS, INC. 11 2.95% $3,650
PARK VIEW FEDERAL CREDIT UNION 11 3.19% $3,218
Virginia Credit Union, Inc. 10 2.83% $2,739
Bank of America 10 2.85% $3,663
FREEDOM MORTGAGE CORPORATION 10 3.12% $1,618
CROSSCOUNTRY MORTGAGE, LLC 8 3.22% $5,521
Farm Credit of the Virginias, ACA 7 4.75% $4,217
Fulton Bank 6 3.13% $3,647
U.S. Bank 6 3.10% $4,420
AMERICAN FINANCING CORPORATION 6 3.27% $4,238
CALIBER HOME LOANS, INC. 6 3.02% $3,001
PENTAGON FEDERAL CREDIT UNION 6 2.60% $3,342
Citizens Bank 6 2.94% $4,129
NBKC BANK 6 2.94% $2,746
Flagstar Bank, FSB 6 3.17% $3,702
Ixonia Bank 6 3.33% $4,634
NETWORK CAPITAL FUNDING CORPORATION 5 3.23% $3,735
HOMESIDE FINANCIAL, LLC 5 3.12% $6,284
Towne First Mortgage, LLC 5 3.08% $4,137
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 2.95% $2,861
NATIONS RELIABLE LENDING, LLC 5 3.20% $5,479
ARK-LA-TEX FINANCIAL SERVICES, LLC. 4 3.25% $4,238
First Reliance Bank 4 3.00% $2,736
AmeriHome Mortgage Company, LLC 4 3.44% $3,620
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 4 3.09% $4,537
GUARANTEED RATE, INC. 4 2.97% $2,846
FINANCE OF AMERICA MORTGAGE LLC 4 3.40% $3,969
EMBRACE HOME LOANS, INC. 4 3.13% $2,973
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 4 2.87% $3,530
SIRVA MORTGAGE, INC. 4 3.06% $1,856
Summit Community Bank, Inc. 4 3.16% $3,256
Member Options, LLC 4 3.03% $3,214
ZILLOW HOME LOANS, LLC 3 3.08% $4,516
Barrington Bank & Trust Company, N.A. 3 3.00% $3,184
Blue Ridge Bank 3 3.46% $4,137
Carrington Mortgage Services, LLC 3 3.17% $3,897
CHURCHILL MORTGAGE CORPORATION 3 3.29% $2,932
First Mortgage Solutions, LLC 3 3.09% $2,817
GUARANTY HOME MORTGAGE CORPORATION 3 2.79% $5,114
MCLEAN MORTGAGE CORPORATION 3 2.88% $3,591
Northwest Federal Credit Union 3 3.08% $3,897
RESIDENTIAL BANCORP. 3 2.79% $2,977
Strong Home Mortgage, LLC 3 2.88% $991
TIDEWATER MORTGAGE SERVICES, INC. 3 3.00% $2,935
TOWNE MORTGAGE COMPANY 3 2.87% $4,600
UNION HOME MORTGAGE CORP. 3 3.33% $3,668
ValleyStar Credit Union 3 3.13% $6,601
FIRST HOME MORTGAGE CORPORATION 2 2.94% $4,050
Chicago Mortgage Solutions LLC 2 2.80% $1,034
First Guaranty Mortgage Corporation 2 3.25% $2,670
TD Bank 2 2.94% $3,490
The Federal Savings Bank 2 3.25% $5,644
Carter Bank & Trust 2 2.69% $2,801
LOANPAL, LLC 2 3.13% $5,355
Nations Lending Corporation 2 3.19% $6,057
FirstBank 2 2.99% $1,323
Towne Bank 2 3.13% $2,593
OVM FINANCIAL, INC. 2 2.94% $3,776
VANDERBILT MORTGAGE AND FINANCE, INC. 2 3.00% $2,224
Sandy Spring Bank 2 3.06% $3,486
Triumph Bank 2 2.88% $2,018
Ameris Bank 2 3.19% $3,303
Servion, Inc. 2 3.00% $3,029
DRAPER AND KRAMER MORTGAGE CORP. 2 3.38% $3,117
CityWorth Mortgage LLC 2 2.94% $3,604
SOFI LENDING CORP. 2 3.06% $3,246
AMERICAN FINANCIAL NETWORK, INC. 2 3.50% $6,613
USAA Federal Savings Bank 2 3.31% $2,216
GUILD MORTGAGE COMPANY 2 3.44% $2,756
Citibank 2 3.00% $4,211
MILEND, INC. 2 3.25% $5,558
HOMESTEAD FUNDING CORP. 2 3.06% $3,179
Plains Commerce Bank 2 2.81% $4,330
LANGLEY 2 2.99% $2,668
GENEVA FINANCIAL, LLC 2 3.63% $4,023
PNC Bank 2 2.94% $4,205
PROVIDENT FUNDING ASSOCIATES, L.P. 1 3.00% $2,991
Call Federal Credit Union 1 3.18% $3,474
RELIANCE FIRST CAPITAL, LLC 1 3.25% $12,274
BOKF 1 3.13% $2,986
Sierra Pacific Mortgage Company, Inc. 1 2.75% $4,914
BAYSHORE MORTGAGE FUNDING, LLC 1 4.38% $11,583
SOUTHPOINT FINANCIAL SERVICES, INC. 1 2.88% $7,618
SOVEREIGN LENDING GROUP INCORPORATED 1 3.49% $5,173
STATE EMPLOYEES' 1 3.15% $4,431
STEARNS LENDING, LLC 1 2.75% $1,370
VILLAGE BANK MORTGAGE CORPORATION 1 2.88% $704
SUCCESS MORTGAGE PARTNERS, INC. 1 2.88% $3,468
Baxter Credit Union 1 3.13% $2,545
SWBC MORTGAGE CORPORATION 1 3.25% $3,890
The Huntington National Bank 1 3.00% $2,737
Third Federal Savings and Loan Association of Cleveland 1 2.99% $2,692
ALLIANT CREDIT UNION 1 3.13% $4,995
TOGETHER CREDIT UNION 1 3.13% $2,913
Bank of England 1 2.88% $4,661
ACADEMY MORTGAGE CORPORATION 1 2.88% $5,751
Towne Mortgage, LLC 1 3.38% $3,185
UBS Bank USA 1 3.50% $3,052
ABSOLUTE HOME MORTGAGE CORPORATION 1 3.49% $5,775
United Bank 1 2.75% $4,513
United Nations Federal Credit Union 1 2.88% $3,656
GSF Mortgage Corporation 1 2.88% $2,960
HOMESPIRE MORTGAGE CORPORATION 1 3.00% $7,047
Honor Credit Union 1 4.63% $3,666
IMPAC MORTGAGE CORP. 1 4.38% $25,720
INTERLINC MORTGAGE SERVICES, LLC 1 3.38% $4,071
INTERCOASTAL MORTGAGE COMPANY 1 2.63% $2,871
Gateway First Bank 1 2.75% $2,365
JAMS-01, INC. 1 3.00% $3,372
JOHNSON MORTGAGE COMPANY, L.L.C. 1 3.13% $2,778
First Western Trust Bank 1 3.63% $9,047
KELLER MORTGAGE, LLC 1 3.25% $1,830
LAKEVIEW LOAN SERVICING, LLC 1 3.99% $5,019
LIBERTY HOME MORTGAGE CORPORATION 1 3.25% $5,102
FIRST SAVINGS MORTGAGE CORPORATION 1 3.88% $3,319
Luxury Mortgage Corp. 1 2.75% $2,722
Magnolia Bank 1 3.13% $3,841
ALLIED MORTGAGE GROUP, INC. 1 3.13% $1,711
MEMBER ONE 1 3.63% $5,008
First Internet Bank of Indiana 1 2.75% $3,684
MID AMERICA MORTGAGE, INC. 1 3.25% $1,865
Morgan Stanley Private Bank 1 2.90% $3,504
MUTUAL OF OMAHA MORTGAGE, INC. 1 2.88% $1,412
Discover Bank 1 3.99% $0
DEPARTMENT OF COMMERCE 1 2.63% $1,878
Deere Employees Credit Union 1 3.38% $4,683
Congressional Bank 1 2.99% $3,137
North American Savings Bank, F.S.B. 1 3.00% $1,813
Northwest Bank 1 3.38% $5,187
1ST FINANCIAL, INC. 1 3.00% $3,946
CMG MORTGAGE, INC. 1 2.99% $2,392
PHH Mortgage Corporation 1 2.75% $9,644
PLANET HOME LENDING, LLC 1 3.25% $3,270
PREMIA MORTGAGE, LLC 1 2.75% $500
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 3.25% $5,298

STAUNTON, VA's 170 lenders originated 6,006 loans during 2021. The total origination value was $1,199,980,000, with an average loan value of $199,797.

The top STAUNTON lender as defined by loan originations is DUPONT COMMUNITY, with 408 loans originated. Their average total fees are $2,305, which is $369 lower than the next largest lender, Alcova Mortgage LLC.

The lowest fee STAUNTON lenders (with over 10 loans originated) are CAPITAL CENTER, L.L.C. ($784), FREEDOM MORTGAGE CORPORATION ($1,618), City National Bank of West Virginia ($1,630), DUPONT COMMUNITY ($2,305) and JPMorgan Chase Bank ($2,535).

The lowest rate STAUNTON lenders (with over 10 loans originated) are Virginia Credit Union, Inc. (2.83%), DUPONT COMMUNITY (2.84%), AMERISAVE MORTGAGE CORPORATION (2.85%), Bank of America (2.85%) and BETTER MORTGAGE CORPORATION (2.86%).

STAUNTON, VA Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
DUPONT COMMUNITY $139,455,000 $166,670,000 19.5% 13.9%
Alcova Mortgage LLC $93,440,000 $99,860,000 6.9% 8.3%
QUICKEN LOANS, LLC $79,815,000 $91,230,000 14.3% 7.6%
C & F Mortgage Corporation $70,590,000 $72,345,000 2.5% 6.0%
Integrity Home Mortgage Corp $43,145,000 n/a 3.6%
MOVEMENT MORTGAGE, LLC $28,125,000 $38,895,000 38.3% 3.2%
FREEDOM MORTGAGE CORPORATION $37,320,000 $37,820,000 1.3% 3.2%
GREYSTONE SERVICING COMPANY LLC $31,365,000 n/a 2.6%
F & M BANK CORP. $27,635,000 $29,190,000 5.6% 2.4%
City National Bank of West Virginia $34,425,000 $27,700,000 -19.5% 2.3%
Wells Fargo Bank $12,010,000 $27,230,000 126.7% 2.3%
Truist Bank $37,315,000 $26,710,000 -28.4% 2.2%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $20,690,000 $24,790,000 19.8% 2.1%
Atlantic Union Bank $25,745,000 $24,380,000 -5.3% 2.0%
FIRST BANCORP, INC. $31,980,000 $19,285,000 -39.7% 1.6%
LOANDEPOT.COM, LLC $6,520,000 $17,415,000 167.1% 1.5%
Prosperity Home Mortgage, LLC $13,805,000 $16,070,000 16.4% 1.3%
PENNYMAC LOAN SERVICES, LLC $6,075,000 $15,210,000 150.4% 1.3%
Waterstone Mortgage Corporation $16,860,000 $14,875,000 -11.8% 1.2%
George Mason Mortgage, LLC $10,435,000 $14,270,000 36.8% 1.2%
Mr. Cooper ( Nationstar Mortgage ) $7,515,000 $13,150,000 75.0% 1.1%
UNITED WHOLESALE MORTGAGE, LLC $6,800,000 $12,495,000 83.8% 1.0%
Mortgage Research Center, LLC $8,855,000 $12,045,000 36.0% 1.0%
NAVY FEDERAL CREDIT UNION $7,860,000 $12,015,000 52.9% 1.0%
CBM Mortgage, Inc. $4,665,000 $9,560,000 104.9% 0.8%
Atlantic Coast Mortgage, LLC $7,435,000 $9,400,000 26.4% 0.8%
AMERISAVE MORTGAGE CORPORATION $5,785,000 $9,140,000 58.0% 0.8%
ValleyStar Credit Union $8,340,000 $8,160,000 -2.2% 0.7%
NEWREZ LLC $4,855,000 $8,040,000 65.6% 0.7%
PRIMARY RESIDENTIAL MORTGAGE, INC. $4,475,000 $7,485,000 67.3% 0.6%
CAPITAL CENTER, L.L.C. $3,270,000 $7,130,000 118.0% 0.6%
LAKEVIEW LOAN SERVICING, LLC $4,780,000 $6,895,000 44.2% 0.6%
First-Citizens Bank & Trust Company $3,270,000 $6,645,000 103.2% 0.6%
JPMorgan Chase Bank $1,725,000 $6,020,000 249.0% 0.5%
BETTER MORTGAGE CORPORATION $5,870,000 n/a 0.5%
First Heritage Mortgage, LLC $6,650,000 $5,840,000 -12.2% 0.5%
First Bank $5,515,000 $5,415,000 -1.8% 0.5%
AgFirst Farm Credit Bank $3,455,000 $4,995,000 44.6% 0.4%
NFM, INC. $4,670,000 $4,950,000 6.0% 0.4%
USAA Federal Savings Bank $7,585,000 $4,780,000 -37.0% 0.4%
BROKER SOLUTIONS, INC. $3,240,000 $4,750,000 46.6% 0.4%
U.S. Bank $4,240,000 $4,645,000 9.6% 0.4%
First Community Bank $4,605,000 n/a 0.4%
HOME POINT FINANCIAL CORPORATION $1,585,000 $4,480,000 182.6% 0.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,595,000 $4,185,000 61.3% 0.3%
Bank of America $3,730,000 $4,115,000 10.3% 0.3%
Renasant Bank $4,230,000 $4,050,000 -4.3% 0.3%
PARK VIEW FEDERAL CREDIT UNION $3,000,000 $3,995,000 33.2% 0.3%
CALIBER HOME LOANS, INC. $7,175,000 $3,960,000 -44.8% 0.3%
Virginia Credit Union, Inc. $6,910,000 $3,955,000 -42.8% 0.3%
Fulton Bank $2,130,000 $3,620,000 70.0% 0.3%
MYCUMORTGAGE, LLC $1,850,000 $3,380,000 82.7% 0.3%
PENTAGON FEDERAL CREDIT UNION $2,360,000 $3,020,000 28.0% 0.3%
CLEARPATH LENDING $3,460,000 $2,995,000 -13.4% 0.2%
NEW DAY FINANCIAL, LLC $2,750,000 $2,935,000 6.7% 0.2%
EMBRACE HOME LOANS, INC. $3,390,000 $2,910,000 -14.2% 0.2%
CROSSCOUNTRY MORTGAGE, LLC $2,310,000 $2,830,000 22.5% 0.2%
Farm Credit of the Virginias, ACA $2,180,000 $2,815,000 29.1% 0.2%
Flagstar Bank, FSB $715,000 $2,745,000 283.9% 0.2%
Blue Ridge Bank $1,950,000 $2,650,000 35.9% 0.2%
NATIONS RELIABLE LENDING, LLC $2,575,000 n/a 0.2%
HOMESIDE FINANCIAL, LLC $1,270,000 $2,565,000 102.0% 0.2%
NBKC BANK $885,000 $2,345,000 165.0% 0.2%
Ixonia Bank $2,315,000 n/a 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $2,875,000 $2,215,000 -23.0% 0.2%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $2,130,000 n/a 0.2%
Pendleton Community Bank, Inc. $1,080,000 $2,095,000 94.0% 0.2%
FINANCE OF AMERICA MORTGAGE LLC $3,735,000 $2,080,000 -44.3% 0.2%
Summit Community Bank, Inc. $2,240,000 $2,065,000 -7.8% 0.2%
Carrington Mortgage Services, LLC $1,770,000 $1,980,000 11.9% 0.2%
AmeriHome Mortgage Company, LLC $2,095,000 $1,830,000 -12.6% 0.2%
Bank of Botetourt $620,000 $1,810,000 191.9% 0.2%
LOANPAL, LLC $1,585,000 $1,810,000 14.2% 0.2%
TOWNE MORTGAGE COMPANY $680,000 $1,740,000 155.9% 0.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $780,000 $1,710,000 119.2% 0.1%
SOUTHWEST STAGE FUNDING, LLC $440,000 $1,600,000 263.6% 0.1%
The Federal Savings Bank $3,395,000 $1,570,000 -53.8% 0.1%
HOMESPIRE MORTGAGE CORPORATION $1,565,000 n/a 0.1%
Citizens Bank $1,165,000 $1,560,000 33.9% 0.1%
Member Options, LLC $1,550,000 n/a 0.1%
Towne Bank $1,010,000 $1,550,000 53.5% 0.1%
GUILD MORTGAGE COMPANY $6,445,000 $1,530,000 -76.3% 0.1%
GUARANTEED RATE, INC. $2,055,000 $1,495,000 -27.3% 0.1%
Northwest Federal Credit Union $730,000 $1,465,000 100.7% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $2,510,000 $1,435,000 -42.8% 0.1%
PNC Bank $710,000 $1,435,000 102.1% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,545,000 $1,380,000 -10.7% 0.1%
SIRVA MORTGAGE, INC. $1,360,000 n/a 0.1%
Towne First Mortgage, LLC $1,345,000 n/a 0.1%
First Guaranty Mortgage Corporation $1,560,000 $1,305,000 -16.3% 0.1%
AMERICAN FINANCING CORPORATION $2,850,000 $1,295,000 -54.6% 0.1%
Barrington Bank & Trust Company, N.A. $755,000 $1,225,000 62.3% 0.1%
Northpointe Bank $590,000 $1,210,000 105.1% 0.1%
UNION HOME MORTGAGE CORP. $440,000 $1,205,000 173.9% 0.1%
21ST MORTGAGE CORPORATION $390,000 $1,170,000 200.0% 0.1%
GUARANTY HOME MORTGAGE CORPORATION $2,165,000 $1,160,000 -46.4% 0.1%
ZILLOW HOME LOANS, LLC $660,000 $1,115,000 68.9% 0.1%
RELIANCE FIRST CAPITAL, LLC $950,000 $1,095,000 15.3% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $1,545,000 $1,090,000 -29.4% 0.1%
North American Savings Bank, F.S.B. $1,375,000 $1,080,000 -21.5% 0.1%
First Reliance Bank $225,000 $1,065,000 373.3% 0.1%
TD Bank $405,000 $1,045,000 158.0% 0.1%
First Mortgage Solutions, LLC $475,000 $1,040,000 118.9% 0.1%
Lakeview Community Capital, LLC $165,000 $1,025,000 521.2% 0.1%
PLANET HOME LENDING, LLC $930,000 $1,010,000 8.6% 0.1%
LANGLEY $880,000 $985,000 11.9% 0.1%
PHH Mortgage Corporation $145,000 $925,000 537.9% 0.1%
Strong Home Mortgage, LLC $920,000 n/a 0.1%
SOFI LENDING CORP. $795,000 $910,000 14.5% 0.1%
Triumph Bank $345,000 $910,000 163.8% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,950,000 $905,000 -53.6% 0.1%
TIDEWATER MORTGAGE SERVICES, INC. $370,000 $890,000 140.5% 0.1%
REVERSE MORTGAGE FUNDING LLC $565,000 $875,000 54.9% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $1,690,000 $865,000 -48.8% 0.1%
Citibank $860,000 n/a 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $835,000 n/a 0.1%
RESIDENTIAL BANCORP. $830,000 n/a 0.1%
IMPAC MORTGAGE CORP. $805,000 n/a 0.1%
OVM FINANCIAL, INC. $795,000 n/a 0.1%
NETWORK CAPITAL FUNDING CORPORATION $520,000 $785,000 51.0% 0.1%
HOMESTEAD FUNDING CORP. $325,000 $775,000 138.5% 0.1%
VILLAGE BANK MORTGAGE CORPORATION $770,000 n/a 0.1%
Plains Commerce Bank $750,000 n/a 0.1%
United Bank $1,355,000 $745,000 -45.0% 0.1%
FIRST HOME MORTGAGE CORPORATION $215,000 $735,000 241.9% 0.1%
MCLEAN MORTGAGE CORPORATION $455,000 $725,000 59.3% 0.1%
CityWorth Mortgage LLC $685,000 n/a 0.1%
Bank of England $205,000 $665,000 224.4% 0.1%
BAYSHORE MORTGAGE FUNDING, LLC $340,000 $645,000 89.7% 0.1%
CHURCHILL MORTGAGE CORPORATION $1,840,000 $640,000 -65.2% 0.1%
United Nations Federal Credit Union $215,000 $625,000 190.7% 0.1%
GoPrime Mortgage, Inc. $125,000 $615,000 392.0% 0.1%
Servion, Inc. $305,000 $610,000 100.0% 0.1%
ROYAL UNITED MORTGAGE LLC $710,000 $605,000 -14.8% 0.1%
LENDINGHOME FUNDING CORPORATION $75,000 $595,000 693.3% 0.0%
Advance Financial Group, LLC $590,000 n/a 0.0%
UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION,INC. $2,745,000 $590,000 -78.5% 0.0%
Chicago Mortgage Solutions LLC $585,000 n/a 0.0%
ALLIANT CREDIT UNION $580,000 n/a 0.0%
Third Federal Savings and Loan Association of Cleveland $935,000 $570,000 -39.0% 0.0%
Deere Employees Credit Union $560,000 n/a 0.0%
MID AMERICA MORTGAGE, INC. $3,120,000 $560,000 -82.1% 0.0%
FINANCE OF AMERICA COMMERCIAL LLC $185,000 $530,000 186.5% 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $980,000 $525,000 -46.4% 0.0%
Mid-Continent Funding, Inc. $600,000 $520,000 -13.3% 0.0%
Morgan Stanley Private Bank $515,000 n/a 0.0%
Honor Credit Union $495,000 n/a 0.0%
MILEND, INC. $255,000 $490,000 92.2% 0.0%
Nations Lending Corporation $490,000 n/a 0.0%
UBS Bank USA $105,000 $490,000 366.7% 0.0%
Towne Mortgage, LLC $485,000 n/a 0.0%
ACCELERATE MORTGAGE, LLC $480,000 n/a 0.0%
CMG MORTGAGE, INC. $470,000 n/a 0.0%
INTERCOASTAL MORTGAGE COMPANY $350,000 $470,000 34.3% 0.0%
Carter Bank & Trust $9,805,000 $455,000 -95.4% 0.0%
Florida Capital Bank $455,000 n/a 0.0%
PRIMELENDING, A PLAINSCAPITAL COMPANY $455,000 n/a 0.0%
GENEVA FINANCIAL, LLC $265,000 $450,000 69.8% 0.0%
Baxter Credit Union $125,000 $440,000 252.0% 0.0%
Dollar Bank, Federal Savings Bank $430,000 n/a 0.0%
MERCK EMPLOYEES FEDERAL CREDIT UNION $135,000 $420,000 211.1% 0.0%
Paramount Residential Mortgage Group, Inc. $125,000 $420,000 236.0% 0.0%
Gateway First Bank $410,000 n/a 0.0%
Sandy Spring Bank $410,000 n/a 0.0%
Low VA Rates, LLC $565,000 $395,000 -30.1% 0.0%
Visio Financial Services Inc. $395,000 n/a 0.0%
Ameris Bank $1,545,000 $390,000 -74.8% 0.0%
FirstBank $600,000 $390,000 -35.0% 0.0%
SOUTHPOINT FINANCIAL SERVICES, INC. $390,000 n/a 0.0%
AMERICAN ADVISORS GROUP $360,000 $385,000 6.9% 0.0%
First Savings Bank $375,000 n/a 0.0%
ACADEMY MORTGAGE CORPORATION $460,000 $370,000 -19.6% 0.0%
ALLIED MORTGAGE GROUP, INC. $320,000 $360,000 12.5% 0.0%
FINANCE OF AMERICA REVERSE LLC $360,000 n/a 0.0%
C&F Select LLC $355,000 n/a 0.0%
Christensen Financial, Inc. $360,000 $355,000 -1.4% 0.0%
GSF Mortgage Corporation $355,000 n/a 0.0%
PREMIA MORTGAGE, LLC $335,000 $345,000 3.0% 0.0%
STEARNS LENDING, LLC $830,000 $345,000 -58.4% 0.0%
TOGETHER CREDIT UNION $345,000 n/a 0.0%
Discover Bank $100,000 $325,000 225.0% 0.0%
Summit Mortgage Corporation $945,000 $325,000 -65.6% 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $135,000 $320,000 137.0% 0.0%
FIRST ALLIANCE HOME MORTGAGE, LLC $315,000 n/a 0.0%
RESIDENTIAL MORTGAGE SERVICES, INC. $745,000 $315,000 -57.7% 0.0%
UNIVERSAL MORTGAGE & FINANCE, INC. $315,000 n/a 0.0%
Manufacturers and Traders Trust Company $55,000 $310,000 463.6% 0.0%
Apple Federal Credit Union $105,000 $300,000 185.7% 0.0%
ROSS MORTGAGE CORPORATION $295,000 n/a 0.0%
STATE EMPLOYEES' $295,000 n/a 0.0%
Chesapeake Bank $265,000 $280,000 5.7% 0.0%
DOMINION ENERGY CREDIT UNION $280,000 n/a 0.0%
ADVANCIAL $275,000 n/a 0.0%
INTERLINC MORTGAGE SERVICES, LLC $275,000 n/a 0.0%
JOHNSON MORTGAGE COMPANY, L.L.C. $275,000 n/a 0.0%
Magnolia Bank $455,000 $265,000 -41.8% 0.0%
First Western Trust Bank $255,000 n/a 0.0%
F&M Bank $255,000 n/a 0.0%
Regions Bank $225,000 $255,000 13.3% 0.0%
MEMBER ONE $515,000 $250,000 -51.5% 0.0%
American National Bank and Trust Company $245,000 n/a 0.0%
ARC HOME LLC $805,000 $245,000 -69.6% 0.0%
DAS Acquisition Company, LLC $245,000 n/a 0.0%
Luxury Mortgage Corp. $245,000 n/a 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $245,000 n/a 0.0%
BOKF $235,000 n/a 0.0%
MEMBER ADVANTAGE MORTGAGE, LLC $795,000 $235,000 -70.4% 0.0%
Sierra Pacific Mortgage Company, Inc. $175,000 $235,000 34.3% 0.0%
ABSOLUTE HOME MORTGAGE CORPORATION $335,000 $225,000 -32.8% 0.0%
Pinnacle Bank $225,000 n/a 0.0%
SWBC MORTGAGE CORPORATION $225,000 n/a 0.0%
FIRST SAVINGS MORTGAGE CORPORATION $245,000 $220,000 -10.2% 0.0%
Colten Mortgage, LLC $215,000 n/a 0.0%
EQUITY RESOURCES, INC. $215,000 n/a 0.0%
NEWPORT NEWS SHIPBUILDING EMPLOYEES $215,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $215,000 n/a 0.0%
TJC Mortgage, Inc. $235,000 $215,000 -8.5% 0.0%
Northwest Bank $205,000 n/a 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $205,000 n/a 0.0%
1ST FINANCIAL, INC. $195,000 n/a 0.0%
Arvest Bank $220,000 $195,000 -11.4% 0.0%
UIF CORPORATION $195,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $555,000 $185,000 -66.7% 0.0%
Call Federal Credit Union $185,000 n/a 0.0%
CONTOUR MORTGAGE CORPORATION $185,000 n/a 0.0%
First Internet Bank of Indiana $175,000 $175,000 0.0% 0.0%
Hometown Lenders, Inc. $245,000 $165,000 -32.7% 0.0%
PARTNERS 1ST Federal Credit Union $235,000 $165,000 -29.8% 0.0%
KELLER MORTGAGE, LLC $285,000 $155,000 -45.6% 0.0%
LIBERTY HOME MORTGAGE CORPORATION $275,000 $155,000 -43.6% 0.0%
NORTHROP GRUMMAN Federal Credit Union $155,000 n/a 0.0%
NP, Inc. $215,000 $155,000 -27.9% 0.0%
Republic Bank & Trust Company $155,000 n/a 0.0%
TOWER $715,000 $155,000 -78.3% 0.0%
APEX HOME LOANS, INC. $145,000 n/a 0.0%
DEPARTMENT OF COMMERCE $145,000 n/a 0.0%
Fifth Third Bank $635,000 $145,000 -77.2% 0.0%
RUOFF MORTGAGE COMPANY, INC. $145,000 $145,000 0.0% 0.0%
Congressional Bank $135,000 n/a 0.0%
COMMONWEALTH ONE FEDERAL CREDIT UNION $205,000 $125,000 -39.0% 0.0%
JAMS-01, INC. $135,000 $125,000 -7.4% 0.0%
Centier Bank $160,000 $120,000 -25.0% 0.0%
ANGEL OAK HOME LOANS LLC $115,000 n/a 0.0%
EVERETT FINANCIAL, INC. $115,000 n/a 0.0%
Fidelity Bank $115,000 n/a 0.0%
OCEANSIDE MORTGAGE COMPANY $115,000 n/a 0.0%
Presidential Bank, FSB $570,000 $115,000 -79.8% 0.0%
The Huntington National Bank $210,000 $115,000 -45.2% 0.0%
NUMARK CREDIT UNION $105,000 n/a 0.0%
Park Lane Finance Solutions, LLC $220,000 $100,000 -54.5% 0.0%
FBC MORTGAGE, LLC $85,000 n/a 0.0%
Figure Lending LLC $35,000 $70,000 100.0% 0.0%
SPRING EQ, LLC $55,000 $70,000 27.3% 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $445,000 $65,000 -85.4% 0.0%
CHARTWAY FEDERAL CREDIT UNION $60,000 n/a 0.0%
ALLEGACY FEDERAL CREDIT UNION $45,000 $45,000 0.0% 0.0%
United States Senate Federal Credit Union $75,000 $45,000 -40.0% 0.0%

STAUNTON's top lender by overall market share is DUPONT COMMUNITY, with 13.9% market share. In second place, with 8.3%, is Alcova Mortgage LLC, having originated $99,860,000 in loans. In third place, with 7.6%, is QUICKEN LOANS, LLC, having originated $91,230,000 in loans. In third place, with 6.0%, is C & F Mortgage Corporation, having originated $72,345,000 in loans. In third place, with 3.6%, is Integrity Home Mortgage Corp, having originated $43,145,000 in loans.


STAUNTON, VA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,205 $520,605,000 $236,102
Refi 1,979 $414,355,000 $209,376
Cash Out Refi 1,038 $205,440,000 $197,919
Other 470 $38,200,000 $81,277
Home Improvement 314 $21,380,000 $68,089

Staunton's most frequently cited loan purpose was Home Purchase, with 2,205 originations. The 2nd most popular reason was Refi, with 1,979 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 2,535 $479,685,000 $189,225
2.5-3% 1,980 $421,860,000 $213,061
<2.5% 956 $227,000,000 $237,448
4-5% 336 $48,990,000 $145,804
5-6% 59 $3,735,000 $63,305
Over 8% 48 $3,600,000 $75,000
7-8% 15 $1,455,000 $97,000
6-7% 12 $820,000 $68,333

During 2021, Staunton's most frequently originated rate bucket was 3-4%, with 2,535 originations.

Loan Sizing (STAUNTON, VA MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 2,447 $374,015,000 $152,846
$200k-400k 2,251 $596,515,000 $265,000
$100,000 or less 1,064 $56,070,000 $52,697
$400k-600k 200 $94,190,000 $470,950
$600k-1000k 34 $25,120,000 $738,824
$Over $1MM 10 $54,070,000 $5,407,000

STAUNTON's loan sizing saw the bucket of loans from $100k-200k with 2,447 originations, totaling $374,015,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 2,021 $512,495,000 $253,585
60-80% 1,872 $409,480,000 $218,739
40-60% 829 $137,315,000 $165,639
Under 20% 485 $16,905,000 $34,856
20-40% 445 $40,335,000 $90,640
Over 100% 74 $24,900,000 $336,486

STAUNTON's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,021 originations, totaling $512,495,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - STAUNTON (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $229,900 (8.2%) $298,127 (10.4%) 0.00 478
2018-02-01 $229,900 (5.8%) $300,386 (10.6%) 0.00 463
2018-03-01 $229,900 (4.5%) $300,738 (11.2%) 0.00 449
2018-04-01 $232,000 (2.0%) $308,403 (10.5%) 0.00 443
2018-05-01 $239,800 (2.1%) $309,399 (10.7%) 0.00 469
2018-06-01 $239,000 (1.7%) $313,628 (11.2%) 0.00 475
2018-07-01 $242,500 (3.2%) $326,842 (15.6%) 0.00 464
2018-08-01 $249,450 (6.3%) $326,369 (17.4%) 0.00 469
2018-09-01 $249,000 (8.3%) $323,457 (15.1%) 0.00 466
2018-10-01 $249,900 (6.4%) $327,839 (12.9%) 0.00 448
2018-11-01 $249,900 (8.7%) $328,878 (14.2%) 0.00 417
2018-12-01 $240,000 (4.4%) $321,595 (11.8%) 0.00 391
2019-01-01 $239,950 (4.4%) $325,673 (9.2%) 0.00 372
2019-02-01 $241,250 (4.9%) $326,451 (8.7%) 0.00 351
2019-03-01 $258,523 (12.5%) $339,961 (13.0%) 0.00 352
2019-04-01 $272,450 (17.4%) $345,037 (11.9%) 0.00 386
2019-05-01 $289,450 (20.7%) $342,919 (10.8%) 0.00 413
2019-06-01 $267,900 (12.1%) $325,052 (3.6%) 0.00 427
2019-07-01 $258,950 (6.8%) $322,405 (-1.4%) 0.00 436
2019-08-01 $260,943 (4.6%) $314,422 (-3.7%) 0.00 427
2019-09-01 $261,993 (5.2%) $308,935 (-4.5%) 0.00 416
2019-10-01 $265,000 (6.0%) $313,018 (-4.5%) 0.00 415
2019-11-01 $269,900 (8.0%) $308,400 (-6.2%) 0.00 378
2019-12-01 $269,495 (12.3%) $314,411 (-2.2%) 0.00 357
2020-01-01 $280,950 (17.1%) $326,461 (0.2%) 0.00 318
2020-02-01 $279,900 (16.0%) $341,880 (4.7%) 0.00 297
2020-03-01 $289,900 (12.1%) $349,032 (2.7%) 0.00 289
2020-04-01 $285,000 (4.6%) $348,079 (0.9%) 0.00 505
2020-05-01 $287,500 (-0.7%) $354,929 (3.5%) 0.00 453
2020-06-01 $305,500 (14.0%) $351,754 (8.2%) 0.00 377
2020-07-01 $322,400 (24.5%) $364,338 (13.0%) 0.00 368
2020-08-01 $324,900 (24.5%) $367,926 (17.0%) 0.00 341
2020-09-01 $326,950 (24.8%) $387,509 (25.4%) 0.00 378
2020-10-01 $310,000 (17.0%) $371,231 (18.6%) 0.00 392
2020-11-01 $294,500 (9.1%) $362,103 (17.4%) 0.00 357
2020-12-01 $290,000 (7.6%) $364,418 (15.9%) 0.00 313
2021-01-01 $279,900 (-0.4%) $356,623 (9.2%) 0.00 295
2021-02-01 $284,498 (1.6%) $363,983 (6.5%) 0.00 245
2021-03-01 $285,600 (-1.5%) $361,422 (3.6%) 0.00 218
2021-04-01 $282,450 (-0.9%) $361,228 (3.8%) 0.00 202
2021-05-01 $270,000 (-6.1%) $351,973 (-0.8%) 0.00 226
2021-06-01 $310,000 (1.5%) $391,067 (11.2%) 0.00 219
2021-07-01 $307,500 (-4.6%) $395,143 (8.5%) 0.00 287
2021-08-01 $274,450 (-15.5%) $425,965 (15.8%) 0.00 308
2021-09-01 $279,900 (-14.4%) $427,934 (10.4%) 0.00 309
2021-10-01 $299,900 (-3.3%) $451,073 (21.5%) 0.00 314
2021-11-01 $299,950 (1.9%) $448,973 (24.0%) 0.00 315
2021-12-01 $309,000 (6.6%) $463,105 (27.1%) 0.00 277
2022-01-01 $309,900 (10.7%) $473,484 (32.8%) 0.00 238
2022-02-01 $322,450 (13.3%) $502,813 (38.1%) 0.00 218
2022-03-01 $325,950 (14.1%) $486,015 (34.5%) 0.00 210
2022-04-01 $312,500 (10.6%) $457,679 (26.7%) 0.00 232
STAUNTON's median listing price for 2022-04-01 was $312,500, a difference of $30,050 (10.6%) versus the prior year and $-13,450 versus the prior month.

STAUNTON's median listing price comes in at 0% of the national average.

STAUNTON's average listing price for 2022-04-01 was $457,679, a difference of $96,451 (26.7%) versus the prior year and $-28,336 versus the prior month.

For the 2022-04-01 period, STAUNTON had 232 MLS listings, a difference of 22 listings (10%) versus the prior month and 30 listings (15%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - STAUNTON (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,998 sqft
2018-02-01 0 days 1,963 sqft
2018-03-01 0 days 1,998 sqft
2018-04-01 0 days 1,975 sqft
2018-05-01 0 days 1,991 sqft
2018-06-01 0 days 1,992 sqft
2018-07-01 0 days 2,016 sqft
2018-08-01 0 days 2,075 sqft
2018-09-01 0 days 2,078 sqft
2018-10-01 0 days 2,073 sqft
2018-11-01 0 days 2,047 sqft
2018-12-01 0 days 2,000 sqft
2019-01-01 0 days 1,986 sqft
2019-02-01 0 days 1,959 sqft
2019-03-01 0 days 1,992 sqft
2019-04-01 0 days 2,064 sqft
2019-05-01 0 days 2,125 sqft
2019-06-01 0 days 2,043 sqft
2019-07-01 0 days 2,012 sqft
2019-08-01 0 days 2,000 sqft
2019-09-01 0 days 1,988 sqft
2019-10-01 0 days 2,000 sqft
2019-11-01 0 days 2,000 sqft
2019-12-01 0 days 2,000 sqft
2020-01-01 0 days 2,000 sqft
2020-02-01 0 days 2,055 sqft
2020-03-01 0 days 2,080 sqft
2020-04-01 0 days 2,080 sqft
2020-05-01 0 days 2,100 sqft
2020-06-01 0 days 2,171 sqft
2020-07-01 0 days 2,223 sqft
2020-08-01 0 days 2,219 sqft
2020-09-01 0 days 2,139 sqft
2020-10-01 0 days 2,084 sqft
2020-11-01 0 days 2,115 sqft
2020-12-01 0 days 2,038 sqft
2021-01-01 0 days 1,962 sqft
2021-02-01 0 days 1,954 sqft
2021-03-01 0 days 1,962 sqft
2021-04-01 0 days 1,928 sqft
2021-05-01 0 days 1,981 sqft
2021-06-01 0 days 1,990 sqft
2021-07-01 0 days 1,957 sqft
2021-08-01 0 days 1,833 sqft
2021-09-01 0 days 1,811 sqft
2021-10-01 0 days 1,992 sqft
2021-11-01 0 days 1,922 sqft
2021-12-01 0 days 1,928 sqft
2022-01-01 0 days 1,881 sqft
2022-02-01 0 days 1,924 sqft
2022-03-01 0 days 1,910 sqft
2022-04-01 0 days 1,790 sqft
STAUNTON's median listing age (time on market) for 2022-04-01 was 0 days.

STAUNTON's median square footage for active listings during the 2022-04-01 period was 1,790 sqft. One year prior, the average listing was 1,928 sqft.