Top Mortgage Lenders in Wilmington, NC

Which mortgage lender in the Wilmington, NC area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Wilmington, NC area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Wilmington, NC area in terms of interest rate is Corning Federal Credit Union, with an average “Rate Difference” of -0.19%. This means that, comparing similar borrowers, Corning Federal Credit Union provided a -0.19% lower interest rate for its customers than other lenders in the area. Corning Federal Credit Union has a market share of 2.8%. On the other hand, the most popular lender in the Wilmington, NC area is Guaranteed Rate, with a larger market share of 11.7%. Guaranteed Rate is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.05% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Wilmington, NC area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Wilmington, NC is North State Bank. If you want to take out a loan that is above conforming limits (for example, above $548,250 in 2021), the cheapest Jumbo mortgage provider is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Caliber Home Loans. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Wilmington, NC

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Corning Federal Credit Union-0.19%(4.5)2.82%
North State Bank-0.16%(4.5)1.50%
Bank of America-0.15%(4.5)1.85%
DHI Mortgage Company Limited-0.14%(4.0)2.17%
Provident Funding-0.11%(4.0)0.47%
Pulte Mortgage LLC-0.09%(4.0)0.62%
First National Bank of Pennsylvania-0.08%(4.0)1.62%
Caliber Home Loans-0.07%(4.0)1.91%
Northpointe Bank-0.07%(4.0)0.75%
PNC Bank-0.07%(4.0)1.89%
Plaza Home Mortgage-0.06%(4.0)0.52%
Amerisave Mortgage Corporation-0.06%(4.0)0.35%
JPMorgan Chase Bank-0.06%(4.0)1.51%
Truist Bank-0.05%(4.0)4.19%
American Security Mortgage-0.05%(4.0)1.25%
Sharonview Federal CU-0.05%(4.0)0.37%
Wells Fargo Bank-0.05%(4.0)5.13%
Guaranteed Rate-0.05%(3.5)11.69%
First Bank NC and SC-0.04%(3.5)1.02%
SunTrust Bank-0.04%(3.5)1.33%
Union Home Mortgage-0.03%(3.5)1.75%
PennyMac Loan Services-0.03%(3.5)0.78%
South State Bank-0.03%(3.5)1.09%
Coastal Credit Union-0.03%(3.5)0.41%
US Bank-0.02%(3.5)0.50%
Home Point Financial Corporation-0.01%(3.5)0.38%
Capital City Home Loans-0.01%(3.5)0.46%
Homestead Funding Corp-0.01%(3.5)0.76%
On Q Financial-0.01%(3.5)4.29%
Renasant Bank-0.01%(3.5)0.46%
Sierra Pacific Mortgage-0.00%(3.5)0.53%
TowneBank-0.00%(3.5)3.85%
Freedom Mortgage Corporation-0.00%(3.5)1.52%
Stearns Home Loans0.00%(3.5)0.34%
Gateway First Bank0.00%(3.5)0.51%
Equity Resources0.01%(3.5)1.57%
CMG Financial0.01%(3.5)0.39%
Resource Financial Services0.01%(3.5)0.50%
loanDepot0.02%(3.5)1.03%
Land Home Financial Services0.03%(3.5)0.35%
Carrington Mortgage Services0.03%(3.5)0.52%
First Citizens Bank0.03%(3.5)1.57%
Movement Mortgage0.04%(3.5)3.67%
USAA0.04%(3.5)1.50%
Homeside Financial0.04%(3.5)1.30%
Navy Federal Credit Union0.04%(3.5)1.88%
Cardinal Financial Company0.05%(3.0)0.47%
NewRez0.07%(3.0)0.58%
Blue Ridge Bank0.07%(3.0)0.44%
Atlantic Bay Mortgage Group0.07%(3.0)5.05%
Highlands Residential Mortgage Ltd0.07%(3.0)2.48%
State Employees’ Credit Union0.10%(3.0)2.63%
Fairway Independent Mortgage Corporation0.11%(3.0)1.23%
Mr. Cooper0.15%(3.0)0.74%
Quicken Loans0.16%(2.5)8.98%
Angel Oak Home Loans0.17%(2.5)2.52%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.20%(4.5)1.79%
North State Bank-0.19%(4.5)1.53%
Corning Federal Credit Union-0.17%(4.5)1.75%
DHI Mortgage Company Limited-0.14%(4.0)3.25%
PNC Bank-0.13%(4.0)1.37%
First National Bank of Pennsylvania-0.11%(4.0)1.18%
Wells Fargo Bank-0.09%(4.0)5.53%
Pulte Mortgage LLC-0.08%(4.0)0.93%
Freedom Mortgage Corporation-0.08%(4.0)1.23%
Caliber Home Loans-0.07%(4.0)1.88%
JPMorgan Chase Bank-0.07%(4.0)1.21%
Northpointe Bank-0.06%(4.0)0.49%
Truist Bank-0.06%(4.0)4.47%
First Bank NC and SC-0.06%(4.0)0.83%
SunTrust Bank-0.05%(3.5)1.42%
American Security Mortgage-0.05%(3.5)1.37%
Provident Funding-0.04%(3.5)0.27%
Sharonview Federal CU-0.03%(3.5)0.24%
US Bank-0.03%(3.5)0.51%
PennyMac Loan Services-0.02%(3.5)0.11%
Guaranteed Rate-0.02%(3.5)13.96%
Union Home Mortgage-0.02%(3.5)2.06%
Home Point Financial Corporation-0.02%(3.5)0.30%
Coastal Credit Union-0.01%(3.5)0.43%
Plaza Home Mortgage-0.01%(3.5)0.43%
Renasant Bank-0.00%(3.5)0.45%
Capital City Home Loans-0.00%(3.5)0.54%
South State Bank-0.00%(3.5)1.02%
Homestead Funding Corp-0.00%(3.5)1.00%
loanDepot0.00%(3.5)0.21%
On Q Financial0.00%(3.5)5.71%
TowneBank0.01%(3.5)4.19%
Stearns Home Loans0.01%(3.5)0.40%
Gateway First Bank0.01%(3.5)0.59%
Amerisave Mortgage Corporation0.01%(3.5)0.06%
CMG Financial0.02%(3.5)0.48%
Resource Financial Services0.02%(3.5)0.56%
Sierra Pacific Mortgage0.02%(3.5)0.53%
Equity Resources0.02%(3.5)1.90%
Homeside Financial0.03%(3.5)1.56%
Land Home Financial Services0.03%(3.5)0.40%
USAA0.05%(3.0)1.72%
Movement Mortgage0.06%(3.0)4.56%
Carrington Mortgage Services0.06%(3.0)0.14%
Navy Federal Credit Union0.06%(3.0)2.36%
Mr. Cooper0.06%(3.0)0.38%
First Citizens Bank0.06%(3.0)1.39%
NewRez0.08%(3.0)0.21%
Cardinal Financial Company0.09%(3.0)0.40%
Atlantic Bay Mortgage Group0.09%(3.0)6.28%
Highlands Residential Mortgage Ltd0.10%(3.0)2.93%
Blue Ridge Bank0.10%(3.0)0.48%
Fairway Independent Mortgage Corporation0.14%(3.0)1.48%
Quicken Loans0.15%(3.0)4.59%
State Employees’ Credit Union0.16%(2.5)1.63%
Angel Oak Home Loans0.18%(2.5)3.29%
Lender NameRate DifferenceRate RatingMarket Share
Corning Federal Credit Union-0.21%(4.5)4.95%
Provident Funding-0.17%(4.5)0.86%
Guaranteed Rate-0.13%(4.0)7.18%
Plaza Home Mortgage-0.13%(4.0)0.70%
North State Bank-0.12%(4.0)1.43%
Northpointe Bank-0.09%(4.0)1.27%
Union Home Mortgage-0.08%(4.0)1.14%
Caliber Home Loans-0.08%(4.0)1.97%
Amerisave Mortgage Corporation-0.08%(4.0)0.92%
On Q Financial-0.08%(4.0)1.46%
Sharonview Federal CU-0.07%(4.0)0.64%
South State Bank-0.07%(4.0)1.24%
American Security Mortgage-0.07%(4.0)1.02%
First National Bank of Pennsylvania-0.06%(4.0)2.51%
Coastal Credit Union-0.06%(4.0)0.38%
Bank of America-0.06%(4.0)1.97%
JPMorgan Chase Bank-0.05%(3.5)2.10%
Sierra Pacific Mortgage-0.04%(3.5)0.54%
Movement Mortgage-0.04%(3.5)1.91%
PennyMac Loan Services-0.04%(3.5)2.10%
Truist Bank-0.03%(3.5)3.65%
Homestead Funding Corp-0.03%(3.5)0.29%
First Bank NC and SC-0.03%(3.5)1.40%
Equity Resources-0.03%(3.5)0.92%
Capital City Home Loans-0.03%(3.5)0.29%
PNC Bank-0.02%(3.5)2.92%
USAA-0.02%(3.5)1.05%
TowneBank-0.02%(3.5)3.18%
SunTrust Bank-0.02%(3.5)1.14%
Renasant Bank-0.01%(3.5)0.48%
Home Point Financial Corporation-0.01%(3.5)0.54%
Stearns Home Loans-0.01%(3.5)0.22%
CMG Financial-0.01%(3.5)0.22%
Highlands Residential Mortgage Ltd-0.01%(3.5)1.59%
US Bank-0.01%(3.5)0.48%
Navy Federal Credit Union-0.01%(3.5)0.92%
First Citizens Bank-0.01%(3.5)1.94%
Gateway First Bank-0.01%(3.5)0.35%
Fairway Independent Mortgage Corporation-0.00%(3.5)0.73%
Blue Ridge Bank0.00%(3.5)0.35%
Resource Financial Services0.00%(3.5)0.38%
Cardinal Financial Company0.01%(3.5)0.60%
Land Home Financial Services0.01%(3.5)0.25%
Atlantic Bay Mortgage Group0.01%(3.5)2.60%
Carrington Mortgage Services0.01%(3.5)1.27%
loanDepot0.02%(3.5)2.67%
State Employees’ Credit Union0.06%(3.0)4.64%
Wells Fargo Bank0.06%(3.0)4.32%
NewRez0.06%(3.0)1.33%
Homeside Financial0.07%(3.0)0.76%
Freedom Mortgage Corporation0.09%(3.0)2.10%
Angel Oak Home Loans0.15%(3.0)0.98%
Quicken Loans0.16%(2.5)17.72%
Mr. Cooper0.18%(2.5)1.46%
Lender NameRate DifferenceRate RatingMarket Share
North State Bank-0.19%(4.5)1.58%
DHI Mortgage Company Limited-0.19%(4.5)2.04%
Corning Federal Credit Union-0.19%(4.5)3.74%
Bank of America-0.18%(4.5)2.11%
Provident Funding-0.12%(4.0)0.62%
Pulte Mortgage LLC-0.09%(4.0)0.77%
First National Bank of Pennsylvania-0.09%(4.0)1.77%
Northpointe Bank-0.08%(4.0)0.89%
PNC Bank-0.08%(4.0)2.22%
JPMorgan Chase Bank-0.08%(4.0)1.69%
Amerisave Mortgage Corporation-0.07%(4.0)0.41%
American Security Mortgage-0.07%(4.0)1.30%
Caliber Home Loans-0.06%(4.0)1.38%
SunTrust Bank-0.06%(4.0)1.37%
Truist Bank-0.06%(4.0)4.91%
Sharonview Federal CU-0.06%(4.0)0.46%
Wells Fargo Bank-0.06%(4.0)5.86%
First Bank NC and SC-0.05%(4.0)1.20%
On Q Financial-0.05%(3.5)4.17%
Guaranteed Rate-0.05%(3.5)10.63%
Union Home Mortgage-0.04%(3.5)1.91%
US Bank-0.04%(3.5)0.49%
South State Bank-0.03%(3.5)1.38%
Coastal Credit Union-0.03%(3.5)0.55%
Capital City Home Loans-0.01%(3.5)0.52%
Renasant Bank-0.01%(3.5)0.49%
Homestead Funding Corp-0.01%(3.5)0.90%
Gateway First Bank-0.01%(3.5)0.44%
Home Point Financial Corporation-0.01%(3.5)0.24%
Land Home Financial Services-0.00%(3.5)0.24%
CMG Financial-0.00%(3.5)0.28%
TowneBank-0.00%(3.5)4.32%
Sierra Pacific Mortgage0.00%(3.5)0.51%
Stearns Home Loans0.00%(3.5)0.32%
Plaza Home Mortgage0.01%(3.5)0.13%
Equity Resources0.01%(3.5)1.39%
PennyMac Loan Services0.01%(3.5)0.34%
Carrington Mortgage Services0.01%(3.5)0.15%
Resource Financial Services0.01%(3.5)0.38%
USAA0.02%(3.5)0.76%
loanDepot0.03%(3.5)0.77%
First Citizens Bank0.03%(3.5)1.79%
Homeside Financial0.05%(3.5)1.21%
Cardinal Financial Company0.05%(3.0)0.46%
Freedom Mortgage Corporation0.06%(3.0)0.97%
Movement Mortgage0.06%(3.0)3.34%
Highlands Residential Mortgage Ltd0.07%(3.0)2.70%
Atlantic Bay Mortgage Group0.08%(3.0)4.79%
Blue Ridge Bank0.08%(3.0)0.42%
NewRez0.10%(3.0)0.51%
State Employees’ Credit Union0.10%(3.0)3.46%
Fairway Independent Mortgage Corporation0.13%(3.0)1.25%
Quicken Loans0.20%(2.5)9.18%
Angel Oak Home Loans0.21%(2.5)2.44%
Navy Federal Credit Union0.22%(2.5)1.32%
Mr. Cooper0.23%(2.5)0.51%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.23%(4.5)2.08%
North State Bank-0.22%(4.5)1.62%
DHI Mortgage Company Limited-0.19%(4.5)3.14%
Corning Federal Credit Union-0.17%(4.5)2.38%
PNC Bank-0.15%(4.0)1.62%
First National Bank of Pennsylvania-0.13%(4.0)1.23%
JPMorgan Chase Bank-0.11%(4.0)1.23%
Wells Fargo Bank-0.10%(4.0)6.35%
Pulte Mortgage LLC-0.09%(4.0)1.19%
Northpointe Bank-0.08%(4.0)0.52%
SunTrust Bank-0.08%(4.0)1.39%
First Bank NC and SC-0.07%(4.0)0.91%
American Security Mortgage-0.07%(4.0)1.34%
Truist Bank-0.06%(4.0)5.37%
Caliber Home Loans-0.05%(4.0)1.45%
US Bank-0.05%(3.5)0.52%
Provident Funding-0.04%(3.5)0.37%
Sharonview Federal CU-0.04%(3.5)0.30%
On Q Financial-0.04%(3.5)5.54%
PennyMac Loan Services-0.03%(3.5)0.15%
Union Home Mortgage-0.02%(3.5)2.21%
Guaranteed Rate-0.02%(3.5)12.80%
Land Home Financial Services-0.01%(3.5)0.22%
loanDepot-0.01%(3.5)0.15%
Coastal Credit Union-0.01%(3.5)0.58%
Gateway First Bank-0.01%(3.5)0.50%
Renasant Bank-0.01%(3.5)0.45%
Home Point Financial Corporation-0.01%(3.5)0.26%
Capital City Home Loans-0.01%(3.5)0.63%
Freedom Mortgage Corporation-0.00%(3.5)0.69%
South State Bank-0.00%(3.5)1.34%
Homestead Funding Corp-0.00%(3.5)1.21%
CMG Financial0.01%(3.5)0.35%
Amerisave Mortgage Corporation0.01%(3.5)0.09%
TowneBank0.01%(3.5)4.81%
Stearns Home Loans0.01%(3.5)0.37%
Resource Financial Services0.01%(3.5)0.41%
Plaza Home Mortgage0.02%(3.5)0.15%
Equity Resources0.02%(3.5)1.73%
Sierra Pacific Mortgage0.03%(3.5)0.48%
Homeside Financial0.04%(3.5)1.43%
USAA0.04%(3.5)0.80%
Carrington Mortgage Services0.04%(3.5)0.06%
First Citizens Bank0.07%(3.0)1.62%
Movement Mortgage0.09%(3.0)4.18%
Cardinal Financial Company0.09%(3.0)0.39%
NewRez0.09%(3.0)0.24%
Mr. Cooper0.10%(3.0)0.15%
Highlands Residential Mortgage Ltd0.10%(3.0)3.16%
Atlantic Bay Mortgage Group0.10%(3.0)5.89%
Blue Ridge Bank0.13%(3.0)0.43%
Fairway Independent Mortgage Corporation0.16%(2.5)1.67%
State Employees’ Credit Union0.16%(2.5)2.17%
Quicken Loans0.19%(2.5)4.79%
Angel Oak Home Loans0.23%(2.5)3.14%
Navy Federal Credit Union0.26%(2.0)1.71%
Lender NameRate DifferenceRate RatingMarket Share
Corning Federal Credit Union-0.21%(4.5)6.28%
Provident Funding-0.17%(4.5)1.09%
North State Bank-0.14%(4.0)1.49%
Guaranteed Rate-0.14%(4.0)6.60%
Amerisave Mortgage Corporation-0.10%(4.0)1.01%
On Q Financial-0.10%(4.0)1.61%
Northpointe Bank-0.09%(4.0)1.57%
Union Home Mortgage-0.09%(4.0)1.37%
South State Bank-0.08%(4.0)1.45%
Caliber Home Loans-0.08%(4.0)1.25%
Sharonview Federal CU-0.08%(4.0)0.76%
American Security Mortgage-0.07%(4.0)1.21%
First National Bank of Pennsylvania-0.07%(4.0)2.78%
Bank of America-0.07%(4.0)2.17%
Coastal Credit Union-0.06%(4.0)0.48%
JPMorgan Chase Bank-0.06%(4.0)2.53%
Sierra Pacific Mortgage-0.06%(4.0)0.56%
Movement Mortgage-0.04%(3.5)1.77%
Equity Resources-0.04%(3.5)0.76%
Homestead Funding Corp-0.04%(3.5)0.32%
First Bank NC and SC-0.04%(3.5)1.73%
Truist Bank-0.04%(3.5)4.06%
Capital City Home Loans-0.03%(3.5)0.32%
USAA-0.03%(3.5)0.68%
TowneBank-0.03%(3.5)3.42%
Plaza Home Mortgage-0.03%(3.5)0.08%
PNC Bank-0.03%(3.5)3.34%
US Bank-0.02%(3.5)0.44%
SunTrust Bank-0.02%(3.5)1.33%
Renasant Bank-0.02%(3.5)0.56%
First Citizens Bank-0.02%(3.5)2.09%
Stearns Home Loans-0.02%(3.5)0.24%
Highlands Residential Mortgage Ltd-0.02%(3.5)1.85%
Gateway First Bank-0.01%(3.5)0.32%
CMG Financial-0.01%(3.5)0.16%
Carrington Mortgage Services-0.01%(3.5)0.32%
Blue Ridge Bank-0.00%(3.5)0.40%
Home Point Financial Corporation-0.00%(3.5)0.20%
Cardinal Financial Company0.00%(3.5)0.60%
Resource Financial Services0.01%(3.5)0.32%
Land Home Financial Services0.01%(3.5)0.28%
Atlantic Bay Mortgage Group0.01%(3.5)2.74%
PennyMac Loan Services0.01%(3.5)0.68%
Fairway Independent Mortgage Corporation0.01%(3.5)0.48%
loanDepot0.02%(3.5)1.93%
Navy Federal Credit Union0.03%(3.5)0.60%
State Employees’ Credit Union0.05%(3.0)5.87%
Wells Fargo Bank0.06%(3.0)4.95%
Homeside Financial0.08%(3.0)0.80%
NewRez0.09%(3.0)1.01%
Freedom Mortgage Corporation0.10%(3.0)1.49%
Angel Oak Home Loans0.16%(2.5)1.13%
Quicken Loans0.19%(2.5)17.34%
Mr. Cooper0.25%(2.0)1.17%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.11%(4.0)3.76%
North State Bank-0.10%(4.0)1.32%
TowneBank-0.09%(4.0)2.54%
DHI Mortgage Company Limited-0.09%(4.0)2.95%
Freedom Mortgage Corporation-0.08%(4.0)3.56%
Movement Mortgage-0.07%(4.0)7.01%
PNC Bank-0.05%(4.0)0.61%
First National Bank of Pennsylvania-0.05%(3.5)0.30%
PennyMac Loan Services-0.04%(3.5)1.32%
Equity Resources-0.04%(3.5)2.74%
Plaza Home Mortgage-0.03%(3.5)1.42%
Navy Federal Credit Union-0.02%(3.5)0.30%
Quicken Loans-0.02%(3.5)11.18%
Sierra Pacific Mortgage-0.02%(3.5)1.12%
Northpointe Bank-0.02%(3.5)0.61%
Renasant Bank-0.02%(3.5)0.20%
NewRez-0.01%(3.5)0.91%
SunTrust Bank-0.01%(3.5)0.41%
Stearns Home Loans-0.01%(3.5)0.51%
Homestead Funding Corp-0.01%(3.5)0.30%
American Security Mortgage0.00%(3.5)1.32%
Amerisave Mortgage Corporation0.00%(3.5)0.10%
South State Bank0.00%(3.5)0.10%
Capital City Home Loans0.00%(3.5)0.41%
Resource Financial Services0.01%(3.5)1.12%
Union Home Mortgage0.01%(3.5)1.32%
Homeside Financial0.01%(3.5)2.34%
Atlantic Bay Mortgage Group0.01%(3.5)6.71%
First Bank NC and SC0.01%(3.5)0.20%
Bank of America0.01%(3.5)0.10%
Carrington Mortgage Services0.02%(3.5)2.34%
US Bank0.02%(3.5)0.10%
Home Point Financial Corporation0.02%(3.5)0.61%
CMG Financial0.02%(3.5)0.71%
First Citizens Bank0.02%(3.5)0.20%
Guaranteed Rate0.03%(3.5)14.63%
Gateway First Bank0.03%(3.5)1.12%
loanDepot0.05%(3.0)1.42%
Blue Ridge Bank0.05%(3.0)0.51%
Mr. Cooper0.06%(3.0)2.64%
Fairway Independent Mortgage Corporation0.06%(3.0)1.52%
Cardinal Financial Company0.07%(3.0)0.71%
Angel Oak Home Loans0.07%(3.0)4.37%
Land Home Financial Services0.07%(3.0)1.12%
Highlands Residential Mortgage Ltd0.08%(3.0)2.85%
On Q Financial0.08%(3.0)7.93%
Wells Fargo Bank0.08%(3.0)0.41%
Lender NameRate DifferenceRate RatingMarket Share
Freedom Mortgage Corporation-0.16%(4.5)3.22%
Caliber Home Loans-0.12%(4.0)3.99%
North State Bank-0.11%(4.0)1.55%
TowneBank-0.10%(4.0)3.09%
DHI Mortgage Company Limited-0.09%(4.0)3.74%
PNC Bank-0.06%(4.0)0.64%
Movement Mortgage-0.06%(4.0)7.73%
First National Bank of Pennsylvania-0.05%(3.5)0.39%
Equity Resources-0.05%(3.5)2.84%
Plaza Home Mortgage-0.03%(3.5)1.42%
Northpointe Bank-0.02%(3.5)0.64%
Navy Federal Credit Union-0.02%(3.5)0.39%
Sierra Pacific Mortgage-0.02%(3.5)1.16%
SunTrust Bank-0.02%(3.5)0.39%
Renasant Bank-0.02%(3.5)0.26%
Stearns Home Loans-0.01%(3.5)0.64%
Homestead Funding Corp-0.01%(3.5)0.39%
Capital City Home Loans-0.00%(3.5)0.39%
Quicken Loans-0.00%(3.5)5.28%
American Security Mortgage-0.00%(3.5)1.68%
South State Bank0.00%(3.5)0.13%
Union Home Mortgage0.00%(3.5)1.55%
Home Point Financial Corporation0.01%(3.5)0.26%
Homeside Financial0.01%(3.5)2.84%
Resource Financial Services0.01%(3.5)1.16%
Atlantic Bay Mortgage Group0.01%(3.5)7.99%
First Bank NC and SC0.01%(3.5)0.26%
Bank of America0.01%(3.5)0.13%
US Bank0.02%(3.5)0.13%
NewRez0.02%(3.5)0.13%
loanDepot0.02%(3.5)0.52%
CMG Financial0.02%(3.5)0.90%
Carrington Mortgage Services0.02%(3.5)0.26%
First Citizens Bank0.02%(3.5)0.26%
Guaranteed Rate0.03%(3.5)17.40%
Gateway First Bank0.04%(3.5)1.29%
Mr. Cooper0.04%(3.5)1.68%
Blue Ridge Bank0.05%(3.0)0.64%
Land Home Financial Services0.07%(3.0)1.42%
Angel Oak Home Loans0.07%(3.0)5.41%
Fairway Independent Mortgage Corporation0.07%(3.0)1.55%
Cardinal Financial Company0.08%(3.0)0.77%
Highlands Residential Mortgage Ltd0.08%(3.0)3.48%
On Q Financial0.08%(3.0)9.54%
Wells Fargo Bank0.08%(3.0)0.52%
Lender NameRate DifferenceRate RatingMarket Share
Movement Mortgage-0.08%(4.0)4.33%
PennyMac Loan Services-0.04%(3.5)6.25%
Plaza Home Mortgage-0.04%(3.5)1.44%
Quicken Loans-0.03%(3.5)33.17%
Caliber Home Loans-0.02%(3.5)2.88%
NewRez-0.01%(3.5)3.85%
Equity Resources-0.01%(3.5)2.40%
Atlantic Bay Mortgage Group-0.01%(3.5)1.92%
Sierra Pacific Mortgage-0.01%(3.5)0.96%
PNC Bank-0.00%(3.5)0.48%
Resource Financial Services-0.00%(3.5)0.96%
Highlands Residential Mortgage Ltd-0.00%(3.5)0.48%
Gateway First Bank-0.00%(3.5)0.48%
North State Bank0.00%(3.5)0.48%
Amerisave Mortgage Corporation0.00%(3.5)0.48%
Angel Oak Home Loans0.00%(3.5)0.48%
Cardinal Financial Company0.01%(3.5)0.48%
Northpointe Bank0.01%(3.5)0.48%
Homeside Financial0.02%(3.5)0.48%
Union Home Mortgage0.02%(3.5)0.48%
SunTrust Bank0.02%(3.5)0.48%
Carrington Mortgage Services0.02%(3.5)10.10%
TowneBank0.02%(3.5)0.48%
Home Point Financial Corporation0.03%(3.5)1.92%
Fairway Independent Mortgage Corporation0.03%(3.5)1.44%
Capital City Home Loans0.03%(3.5)0.48%
Guaranteed Rate0.03%(3.5)4.33%
On Q Financial0.06%(3.0)1.92%
loanDepot0.07%(3.0)4.81%
Mr. Cooper0.07%(3.0)6.25%
Freedom Mortgage Corporation0.11%(3.0)4.81%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.06%(4.0)15.41%
Truist Bank-0.04%(3.5)12.19%
First National Bank of Pennsylvania-0.02%(3.5)7.53%
Bank of America-0.02%(3.5)7.89%
First Bank NC and SC-0.00%(3.5)2.15%
Sharonview Federal CU0.01%(3.5)0.72%
PNC Bank0.01%(3.5)3.23%
Equity Resources0.01%(3.5)0.72%
Homeside Financial0.02%(3.5)0.36%
Resource Financial Services0.02%(3.5)0.72%
Quicken Loans0.02%(3.5)1.08%
Fairway Independent Mortgage Corporation0.02%(3.5)0.36%
Caliber Home Loans0.02%(3.5)0.36%
North State Bank0.02%(3.5)1.43%
Atlantic Bay Mortgage Group0.02%(3.5)5.02%
Navy Federal Credit Union0.02%(3.5)1.08%
Blue Ridge Bank0.02%(3.5)0.72%
Movement Mortgage0.02%(3.5)0.72%
Cardinal Financial Company0.02%(3.5)0.36%
SunTrust Bank0.03%(3.5)6.81%
South State Bank0.03%(3.5)1.08%
US Bank0.03%(3.5)2.51%
Northpointe Bank0.03%(3.5)0.72%
First Citizens Bank0.03%(3.5)5.73%
TowneBank0.03%(3.5)3.58%
State Employees’ Credit Union0.03%(3.5)0.72%
JPMorgan Chase Bank0.05%(3.0)7.53%
Guaranteed Rate0.05%(3.0)9.32%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.07%(4.0)17.80%
Truist Bank-0.05%(3.5)11.52%
Bank of America-0.03%(3.5)7.33%
First National Bank of Pennsylvania-0.03%(3.5)6.28%
First Bank NC and SC0.00%(3.5)3.14%
TowneBank0.00%(3.5)1.57%
PNC Bank0.01%(3.5)2.09%
Sharonview Federal CU0.02%(3.5)0.52%
North State Bank0.02%(3.5)1.05%
Equity Resources0.02%(3.5)1.05%
Homeside Financial0.02%(3.5)0.52%
South State Bank0.02%(3.5)0.52%
Quicken Loans0.02%(3.5)1.05%
First Citizens Bank0.03%(3.5)3.66%
Navy Federal Credit Union0.03%(3.5)1.05%
Blue Ridge Bank0.03%(3.5)0.52%
Resource Financial Services0.03%(3.5)0.52%
Movement Mortgage0.03%(3.5)1.05%
Cardinal Financial Company0.03%(3.5)0.52%
US Bank0.03%(3.5)2.09%
SunTrust Bank0.03%(3.5)8.90%
Northpointe Bank0.03%(3.5)1.05%
Atlantic Bay Mortgage Group0.04%(3.5)4.19%
State Employees’ Credit Union0.04%(3.5)1.05%
JPMorgan Chase Bank0.06%(3.0)9.42%
Guaranteed Rate0.07%(3.0)11.52%
Lender NameRate DifferenceRate RatingMarket Share
Truist Bank-0.04%(3.5)13.64%
First National Bank of Pennsylvania-0.02%(3.5)10.23%
Sharonview Federal CU-0.01%(3.5)1.14%
Bank of America-0.01%(3.5)9.09%
Atlantic Bay Mortgage Group-0.01%(3.5)6.82%
Resource Financial Services-0.00%(3.5)1.14%
PNC Bank0.00%(3.5)5.68%
Guaranteed Rate0.00%(3.5)4.55%
Quicken Loans0.01%(3.5)1.14%
Navy Federal Credit Union0.01%(3.5)1.14%
Fairway Independent Mortgage Corporation0.01%(3.5)1.14%
Caliber Home Loans0.01%(3.5)1.14%
Wells Fargo Bank0.01%(3.5)10.23%
Blue Ridge Bank0.01%(3.5)1.14%
North State Bank0.01%(3.5)2.27%
JPMorgan Chase Bank0.02%(3.5)3.41%
SunTrust Bank0.02%(3.5)2.27%
US Bank0.02%(3.5)3.41%
South State Bank0.02%(3.5)2.27%
First Citizens Bank0.02%(3.5)10.23%
TowneBank0.03%(3.5)7.95%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.16%(4.5)7.31%
Guaranteed Rate-0.12%(4.0)16.71%
Plaza Home Mortgage-0.08%(4.0)2.47%
Caliber Home Loans-0.07%(4.0)4.18%
PennyMac Loan Services-0.04%(3.5)3.42%
Home Point Financial Corporation-0.02%(3.5)1.23%
Fairway Independent Mortgage Corporation-0.02%(3.5)1.04%
North State Bank-0.01%(3.5)1.14%
Freedom Mortgage Corporation-0.01%(3.5)3.70%
Truist Bank-0.01%(3.5)1.14%
Union Home Mortgage0.00%(3.5)1.52%
loanDepot0.00%(3.5)2.66%
American Security Mortgage0.01%(3.5)1.23%
First Bank NC and SC0.01%(3.5)0.28%
Sierra Pacific Mortgage0.01%(3.5)0.28%
PNC Bank0.01%(3.5)0.47%
Homestead Funding Corp0.02%(3.5)0.47%
US Bank0.02%(3.5)0.38%
South State Bank0.02%(3.5)0.09%
Cardinal Financial Company0.02%(3.5)0.28%
Renasant Bank0.02%(3.5)0.57%
Stearns Home Loans0.02%(3.5)0.38%
First National Bank of Pennsylvania0.02%(3.5)0.28%
SunTrust Bank0.02%(3.5)0.47%
Homeside Financial0.02%(3.5)1.14%
JPMorgan Chase Bank0.02%(3.5)0.09%
Bank of America0.03%(3.5)0.09%
Land Home Financial Services0.03%(3.5)0.47%
Wells Fargo Bank0.03%(3.5)1.90%
First Citizens Bank0.03%(3.5)0.28%
CMG Financial0.03%(3.5)0.95%
Gateway First Bank0.04%(3.5)0.57%
DHI Mortgage Company Limited0.04%(3.5)2.85%
Capital City Home Loans0.04%(3.5)0.19%
Pulte Mortgage LLC0.04%(3.5)0.28%
Resource Financial Services0.04%(3.5)0.66%
Angel Oak Home Loans0.04%(3.5)1.99%
Amerisave Mortgage Corporation0.05%(3.5)0.28%
Blue Ridge Bank0.05%(3.5)0.38%
NewRez0.06%(3.0)0.95%
TowneBank0.06%(3.0)1.99%
USAA0.06%(3.0)8.26%
Mr. Cooper0.06%(3.0)0.76%
Movement Mortgage0.07%(3.0)3.61%
Carrington Mortgage Services0.07%(3.0)1.42%
Equity Resources0.08%(3.0)1.90%
Atlantic Bay Mortgage Group0.11%(3.0)5.32%
Highlands Residential Mortgage Ltd0.12%(3.0)1.33%
Quicken Loans0.12%(3.0)7.69%
On Q Financial0.17%(2.5)2.85%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.18%(4.5)9.33%
Guaranteed Rate-0.11%(4.0)18.51%
Freedom Mortgage Corporation-0.09%(4.0)2.92%
Caliber Home Loans-0.07%(4.0)2.92%
Home Point Financial Corporation-0.04%(3.5)0.73%
North State Bank-0.02%(3.5)1.02%
Truist Bank-0.02%(3.5)1.46%
Fairway Independent Mortgage Corporation0.00%(3.5)0.58%
Plaza Home Mortgage0.00%(3.5)1.31%
Union Home Mortgage0.00%(3.5)2.19%
PNC Bank0.00%(3.5)0.29%
American Security Mortgage0.01%(3.5)1.60%
Sierra Pacific Mortgage0.01%(3.5)0.29%
loanDepot0.01%(3.5)0.29%
First Bank NC and SC0.01%(3.5)0.29%
Homestead Funding Corp0.01%(3.5)0.58%
US Bank0.01%(3.5)0.44%
NewRez0.01%(3.5)0.15%
Stearns Home Loans0.02%(3.5)0.44%
Renasant Bank0.02%(3.5)0.73%
Wells Fargo Bank0.02%(3.5)2.33%
Homeside Financial0.02%(3.5)1.31%
SunTrust Bank0.02%(3.5)0.73%
First National Bank of Pennsylvania0.02%(3.5)0.29%
JPMorgan Chase Bank0.03%(3.5)0.15%
Bank of America0.03%(3.5)0.15%
First Citizens Bank0.03%(3.5)0.44%
Land Home Financial Services0.03%(3.5)0.58%
DHI Mortgage Company Limited0.04%(3.5)4.37%
Capital City Home Loans0.04%(3.5)0.29%
Pulte Mortgage LLC0.04%(3.5)0.44%
CMG Financial0.04%(3.5)1.02%
Gateway First Bank0.05%(3.5)0.58%
Angel Oak Home Loans0.05%(3.5)2.77%
Mr. Cooper0.05%(3.5)0.58%
Resource Financial Services0.05%(3.5)0.87%
Blue Ridge Bank0.05%(3.5)0.58%
Quicken Loans0.06%(3.0)3.50%
TowneBank0.06%(3.0)2.04%
USAA0.07%(3.0)10.35%
Movement Mortgage0.08%(3.0)4.52%
Carrington Mortgage Services0.09%(3.0)0.58%
Equity Resources0.10%(3.0)2.19%
Atlantic Bay Mortgage Group0.12%(3.0)7.58%
Highlands Residential Mortgage Ltd0.14%(3.0)1.60%
On Q Financial0.18%(2.5)4.08%
Lender NameRate DifferenceRate RatingMarket Share
Guaranteed Rate-0.14%(4.0)13.35%
Plaza Home Mortgage-0.13%(4.0)4.63%
Caliber Home Loans-0.07%(4.0)6.54%
PennyMac Loan Services-0.04%(3.5)9.81%
Navy Federal Credit Union-0.04%(3.5)3.54%
Fairway Independent Mortgage Corporation-0.03%(3.5)1.91%
Home Point Financial Corporation-0.01%(3.5)2.18%
North State Bank-0.01%(3.5)1.36%
loanDepot0.00%(3.5)7.08%
American Security Mortgage0.00%(3.5)0.54%
CMG Financial0.00%(3.5)0.82%
Land Home Financial Services0.01%(3.5)0.27%
First Bank NC and SC0.01%(3.5)0.27%
On Q Financial0.01%(3.5)0.54%
Truist Bank0.01%(3.5)0.54%
Equity Resources0.01%(3.5)1.36%
Sierra Pacific Mortgage0.01%(3.5)0.27%
USAA0.01%(3.5)4.36%
South State Bank0.01%(3.5)0.27%
Cardinal Financial Company0.01%(3.5)0.82%
First National Bank of Pennsylvania0.01%(3.5)0.27%
Resource Financial Services0.01%(3.5)0.27%
Gateway First Bank0.02%(3.5)0.54%
Union Home Mortgage0.02%(3.5)0.27%
PNC Bank0.02%(3.5)0.82%
US Bank0.02%(3.5)0.27%
Homestead Funding Corp0.02%(3.5)0.27%
Movement Mortgage0.02%(3.5)1.91%
Renasant Bank0.02%(3.5)0.27%
Stearns Home Loans0.02%(3.5)0.27%
Homeside Financial0.03%(3.5)0.82%
Angel Oak Home Loans0.04%(3.5)0.54%
Atlantic Bay Mortgage Group0.04%(3.5)1.09%
Highlands Residential Mortgage Ltd0.04%(3.5)0.82%
Amerisave Mortgage Corporation0.04%(3.5)0.82%
TowneBank0.05%(3.0)1.91%
NewRez0.06%(3.0)2.45%
Carrington Mortgage Services0.06%(3.0)3.00%
Wells Fargo Bank0.07%(3.0)1.09%
Freedom Mortgage Corporation0.07%(3.0)5.18%
Mr. Cooper0.07%(3.0)1.09%
Quicken Loans0.15%(3.0)15.53%

* Data is compiled for the Wilmington, NC commuting zone area, which comprises of counties of Brunswick County, NC, New Hanover County, NC, and Pender County, NC. This includes cities/towns/communities of Wilmington, NC as well as Leland, NC, Oak Island, NC, Murraysville, NC, Sunset Beach, NC, Hampstead, NC, Shallotte, NC, Sea Breeze, NC, Carolina Beach, NC, Myrtle Grove, NC, Surf City, NC, Carolina Shores, NC, St. James, NC, Silver Lake, NC, Ogden, NC, Porters Neck, NC, Ocean Isle Beach, NC, Wrightsboro, NC, Kings Grant, NC, Southport, NC, Northchase, NC, Boiling Spring Lakes, NC, Holden Beach, NC, Burgaw, NC, Rocky Point, NC, Belville, NC, Wrightsville Beach, NC, Kure Beach, NC, Bolivia, NC, Northwest, NC, Bald Head Island, NC, Varnamtown, NC, Topsail Beach, NC, Watha, NC, Atkinson, NC, and Navassa, NC. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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