Top Mortgage Lenders in Winston-Salem, NC

Which mortgage lender in the Winston-Salem, NC area typically has the best rates? To help you narrow down where to shop for a mortgage, provides an objective and data driven ranking of mortgage lenders operating in the Winston-Salem, NC area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and 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 Winston-Salem, NC area in terms of interest rate is Piedmont Federal Savings Bank, with an average “Rate Difference” of -0.26%. This means that, comparing similar borrowers, Piedmont Federal Savings Bank provided a -0.26% lower interest rate for its customers than other lenders in the area. Piedmont Federal Savings Bank has a market share of 3.1%. On the other hand, the most popular lender in the Winston-Salem, NC area is Quicken Loans, with a larger market share of 12.0%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.09% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Winston-Salem, 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, going by historical data, the cheapest lender for Conventional mortgages in Winston-Salem, NC is Piedmont Federal Savings Bank. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is First Horizon Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Home Point Financial Corporation. 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 Winston-Salem, NC

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
Piedmont Federal Savings Bank-0.26%(5.0)3.10%
Allegacy Federal Credit Union-0.21%(4.5)4.83%
Navy Federal Credit Union-0.11%(4.0)1.15%
Prosperity Home Mortgage LLC-0.08%(4.0)1.88%
Home Point Financial Corporation-0.07%(4.0)1.03%
First Federal Bank of Florida-0.07%(4.0)1.07%
Bank of America-0.06%(4.0)1.78%
Keller Mortgage-0.06%(4.0)1.02%
Truist Bank-0.05%(4.0)6.18%
Wells Fargo Bank-0.05%(4.0)6.54%
JPMorgan Chase Bank-0.05%(4.0)0.89%
Fairway Independent Mortgage Corporation-0.05%(4.0)11.81%
First Reliance Bank-0.04%(3.5)0.52%
Guaranteed Rate-0.03%(3.5)0.93%
SunTrust Bank-0.02%(3.5)2.40%
PennyMac Loan Services-0.01%(3.5)0.52%
DHI Mortgage Company Limited-0.00%(3.5)1.35%
First National Bank of Pennsylvania-0.00%(3.5)1.45%
Plaza Home Mortgage0.00%(3.5)0.65%
Lakeview Loan Servicing0.01%(3.5)0.58%
Allen Tate Mortgage0.01%(3.5)0.74%
Equity Resources0.01%(3.5)0.80%
Ameris Bank0.01%(3.5)0.52%
Certainty Home Loans0.01%(3.5)0.74%
Local Government Federal Credit Union0.01%(3.5)0.74%
Towne Mortgage Company0.01%(3.5)0.42%
Pinnacle Financial Partners0.02%(3.5)1.05%
Union Home Mortgage0.02%(3.5)0.97%
Atlantic Bay Mortgage Group0.02%(3.5)3.95%
Carrington Mortgage Services0.02%(3.5)1.06%
Freedom Mortgage Corporation0.02%(3.5)0.74%
PNC Bank0.03%(3.5)0.76%
Renasant Bank0.03%(3.5)0.45%
State Employees’ Credit Union0.04%(3.5)4.26%
First Horizon Bank0.04%(3.5)1.11%
Caliber Home Loans0.05%(3.5)0.74%
First Citizens Bank0.05%(3.5)1.75%
Highlands Residential Mortgage Ltd0.05%(3.0)0.73%
AgFirst Farm Credit Bank0.06%(3.0)0.65%
Hamilton Group Funding0.07%(3.0)0.81%
Movement Mortgage0.08%(3.0)3.83%
Quicken Loans0.09%(3.0)11.97%
Mr. Cooper0.15%(3.0)0.98%
Cardinal Financial Company0.15%(2.5)2.24%
Mortgage Solutions Financial0.25%(2.5)0.89%
Truliant Federal Credit Union0.27%(2.0)2.39%
OneTrust Home Loans0.33%(2.0)0.56%
Lender NameRate DifferenceRate RatingMarket Share
Piedmont Federal Savings Bank-0.19%(4.5)2.93%
Navy Federal Credit Union-0.13%(4.0)1.51%
Wells Fargo Bank-0.12%(4.0)7.72%
Home Point Financial Corporation-0.08%(4.0)1.28%
Bank of America-0.08%(4.0)1.73%
Prosperity Home Mortgage LLC-0.08%(4.0)2.71%
Truist Bank-0.07%(4.0)6.58%
JPMorgan Chase Bank-0.07%(4.0)0.63%
First Federal Bank of Florida-0.06%(4.0)0.94%
Keller Mortgage-0.06%(4.0)1.49%
Fairway Independent Mortgage Corporation-0.05%(3.5)16.66%
First National Bank of Pennsylvania-0.03%(3.5)0.84%
Freedom Mortgage Corporation-0.03%(3.5)0.59%
SunTrust Bank-0.02%(3.5)2.89%
PennyMac Loan Services-0.02%(3.5)0.10%
First Reliance Bank-0.01%(3.5)0.39%
Guaranteed Rate-0.01%(3.5)1.02%
DHI Mortgage Company Limited-0.00%(3.5)2.08%
Plaza Home Mortgage0.00%(3.5)0.79%
First Horizon Bank0.00%(3.5)1.18%
Allen Tate Mortgage0.01%(3.5)1.10%
PNC Bank0.01%(3.5)0.63%
Towne Mortgage Company0.01%(3.5)0.47%
Ameris Bank0.01%(3.5)0.69%
Certainty Home Loans0.01%(3.5)1.00%
Mr. Cooper0.02%(3.5)0.35%
Equity Resources0.02%(3.5)1.00%
Atlantic Bay Mortgage Group0.03%(3.5)5.48%
Pinnacle Financial Partners0.03%(3.5)1.18%
Union Home Mortgage0.03%(3.5)1.04%
Renasant Bank0.04%(3.5)0.53%
AgFirst Farm Credit Bank0.05%(3.5)0.63%
Carrington Mortgage Services0.05%(3.5)0.29%
Highlands Residential Mortgage Ltd0.05%(3.0)0.98%
Local Government Federal Credit Union0.06%(3.0)0.45%
Caliber Home Loans0.06%(3.0)0.84%
First Citizens Bank0.07%(3.0)1.83%
Hamilton Group Funding0.07%(3.0)1.18%
Allegacy Federal Credit Union0.09%(3.0)1.89%
Movement Mortgage0.09%(3.0)5.30%
Quicken Loans0.10%(3.0)7.64%
Truliant Federal Credit Union0.11%(3.0)0.92%
Cardinal Financial Company0.18%(2.5)2.73%
State Employees’ Credit Union0.18%(2.5)2.30%
Mortgage Solutions Financial0.28%(2.0)1.18%
OneTrust Home Loans0.34%(2.0)0.84%
Lender NameRate DifferenceRate RatingMarket Share
Piedmont Federal Savings Bank-0.36%(5.0)3.43%
Allegacy Federal Credit Union-0.31%(5.0)10.32%
Fairway Independent Mortgage Corporation-0.09%(4.0)2.74%
Guaranteed Rate-0.07%(4.0)0.76%
First Federal Bank of Florida-0.07%(4.0)1.33%
First Reliance Bank-0.07%(4.0)0.76%
Prosperity Home Mortgage LLC-0.05%(4.0)0.34%
Equity Resources-0.04%(3.5)0.42%
State Employees’ Credit Union-0.04%(3.5)7.92%
JPMorgan Chase Bank-0.04%(3.5)1.37%
Atlantic Bay Mortgage Group-0.02%(3.5)1.10%
Bank of America-0.02%(3.5)1.87%
Local Government Federal Credit Union-0.02%(3.5)1.29%
Keller Mortgage-0.02%(3.5)0.15%
Pinnacle Financial Partners-0.02%(3.5)0.80%
Union Home Mortgage-0.01%(3.5)0.84%
Home Point Financial Corporation-0.01%(3.5)0.57%
PennyMac Loan Services-0.01%(3.5)1.29%
Truist Bank-0.01%(3.5)5.44%
Movement Mortgage-0.01%(3.5)1.10%
Navy Federal Credit Union-0.00%(3.5)0.49%
SunTrust Bank0.00%(3.5)1.48%
Hamilton Group Funding0.00%(3.5)0.11%
Lakeview Loan Servicing0.00%(3.5)1.67%
Certainty Home Loans0.00%(3.5)0.27%
Caliber Home Loans0.00%(3.5)0.57%
Plaza Home Mortgage0.01%(3.5)0.38%
Ameris Bank0.01%(3.5)0.19%
Allen Tate Mortgage0.01%(3.5)0.08%
Renasant Bank0.01%(3.5)0.30%
First Citizens Bank0.02%(3.5)1.60%
First National Bank of Pennsylvania0.02%(3.5)2.59%
Carrington Mortgage Services0.02%(3.5)2.51%
Towne Mortgage Company0.02%(3.5)0.34%
OneTrust Home Loans0.03%(3.5)0.04%
Cardinal Financial Company0.03%(3.5)1.33%
Highlands Residential Mortgage Ltd0.05%(3.0)0.27%
PNC Bank0.06%(3.0)0.99%
Mortgage Solutions Financial0.06%(3.0)0.34%
Freedom Mortgage Corporation0.08%(3.0)1.03%
AgFirst Farm Credit Bank0.08%(3.0)0.69%
Quicken Loans0.09%(3.0)20.06%
First Horizon Bank0.12%(3.0)0.99%
Mr. Cooper0.18%(2.5)2.17%
Wells Fargo Bank0.18%(2.5)4.34%
Truliant Federal Credit Union0.32%(2.0)5.14%
Lender NameRate DifferenceRate RatingMarket Share
Piedmont Federal Savings Bank-0.26%(5.0)4.18%
Allegacy Federal Credit Union-0.20%(4.5)6.64%
Fairway Independent Mortgage Corporation-0.11%(4.0)11.79%
Prosperity Home Mortgage LLC-0.08%(4.0)1.92%
First Federal Bank of Florida-0.07%(4.0)1.33%
Bank of America-0.06%(4.0)2.06%
Truist Bank-0.06%(4.0)7.45%
JPMorgan Chase Bank-0.05%(3.5)1.17%
Wells Fargo Bank-0.05%(3.5)8.07%
Keller Mortgage-0.05%(3.5)1.11%
Guaranteed Rate-0.04%(3.5)0.80%
First Reliance Bank-0.04%(3.5)0.71%
DHI Mortgage Company Limited-0.03%(3.5)1.13%
SunTrust Bank-0.01%(3.5)2.61%
First National Bank of Pennsylvania0.00%(3.5)1.73%
Freedom Mortgage Corporation0.01%(3.5)0.33%
Allen Tate Mortgage0.01%(3.5)0.97%
Local Government Federal Credit Union0.02%(3.5)1.02%
Pinnacle Financial Partners0.02%(3.5)1.24%
Certainty Home Loans0.02%(3.5)0.58%
Ameris Bank0.02%(3.5)0.35%
Union Home Mortgage0.03%(3.5)1.04%
Caliber Home Loans0.04%(3.5)0.53%
Towne Mortgage Company0.04%(3.5)0.20%
PNC Bank0.04%(3.5)0.93%
Equity Resources0.04%(3.5)0.69%
Renasant Bank0.04%(3.5)0.60%
State Employees’ Credit Union0.04%(3.5)5.84%
Lakeview Loan Servicing0.05%(3.5)0.04%
First Horizon Bank0.06%(3.0)1.30%
OneTrust Home Loans0.06%(3.0)0.09%
Atlantic Bay Mortgage Group0.06%(3.0)3.27%
Home Point Financial Corporation0.06%(3.0)0.51%
AgFirst Farm Credit Bank0.07%(3.0)0.88%
Carrington Mortgage Services0.07%(3.0)0.18%
First Citizens Bank0.07%(3.0)1.97%
PennyMac Loan Services0.07%(3.0)0.18%
Highlands Residential Mortgage Ltd0.08%(3.0)0.62%
Plaza Home Mortgage0.08%(3.0)0.26%
Hamilton Group Funding0.09%(3.0)0.73%
Mortgage Solutions Financial0.11%(3.0)0.33%
Movement Mortgage0.13%(3.0)3.05%
Cardinal Financial Company0.13%(3.0)1.72%
Navy Federal Credit Union0.18%(2.5)0.49%
Quicken Loans0.19%(2.5)10.42%
Mr. Cooper0.21%(2.5)0.55%
Truliant Federal Credit Union0.27%(2.0)3.28%
Lender NameRate DifferenceRate RatingMarket Share
Piedmont Federal Savings Bank-0.19%(4.5)4.10%
Wells Fargo Bank-0.12%(4.0)9.61%
Fairway Independent Mortgage Corporation-0.10%(4.0)16.77%
Bank of America-0.08%(4.0)2.05%
Prosperity Home Mortgage LLC-0.08%(4.0)2.80%
Truist Bank-0.07%(4.0)8.14%
JPMorgan Chase Bank-0.07%(4.0)0.84%
First Federal Bank of Florida-0.06%(4.0)1.24%
Keller Mortgage-0.04%(3.5)1.65%
First National Bank of Pennsylvania-0.03%(3.5)0.87%
DHI Mortgage Company Limited-0.02%(3.5)1.79%
SunTrust Bank-0.02%(3.5)3.15%
Guaranteed Rate-0.00%(3.5)0.81%
First Reliance Bank-0.00%(3.5)0.55%
Freedom Mortgage Corporation0.00%(3.5)0.35%
Mr. Cooper0.01%(3.5)0.12%
Allen Tate Mortgage0.01%(3.5)1.47%
PNC Bank0.02%(3.5)0.72%
First Horizon Bank0.02%(3.5)1.36%
Certainty Home Loans0.02%(3.5)0.81%
Ameris Bank0.03%(3.5)0.46%
Pinnacle Financial Partners0.03%(3.5)1.47%
PennyMac Loan Services0.04%(3.5)0.03%
Carrington Mortgage Services0.04%(3.5)0.03%
Caliber Home Loans0.04%(3.5)0.69%
Towne Mortgage Company0.05%(3.5)0.17%
Renasant Bank0.05%(3.0)0.72%
AgFirst Farm Credit Bank0.06%(3.0)0.89%
Union Home Mortgage0.06%(3.0)1.04%
OneTrust Home Loans0.06%(3.0)0.14%
Home Point Financial Corporation0.06%(3.0)0.69%
Local Government Federal Credit Union0.07%(3.0)0.64%
Equity Resources0.07%(3.0)0.87%
Atlantic Bay Mortgage Group0.08%(3.0)4.45%
Plaza Home Mortgage0.08%(3.0)0.35%
Highlands Residential Mortgage Ltd0.08%(3.0)0.81%
Allegacy Federal Credit Union0.09%(3.0)2.68%
Hamilton Group Funding0.10%(3.0)1.10%
First Citizens Bank0.10%(3.0)1.99%
Truliant Federal Credit Union0.11%(3.0)1.30%
Mortgage Solutions Financial0.12%(3.0)0.46%
Movement Mortgage0.14%(3.0)4.33%
Cardinal Financial Company0.16%(2.5)2.25%
State Employees’ Credit Union0.19%(2.5)3.26%
Quicken Loans0.21%(2.5)6.93%
Navy Federal Credit Union0.22%(2.5)0.61%
Lender NameRate DifferenceRate RatingMarket Share
Piedmont Federal Savings Bank-0.38%(5.0)4.32%
Allegacy Federal Credit Union-0.30%(5.0)13.44%
Fairway Independent Mortgage Corporation-0.10%(4.0)3.22%
Guaranteed Rate-0.09%(4.0)0.79%
First Federal Bank of Florida-0.09%(4.0)1.49%
First Reliance Bank-0.07%(4.0)0.99%
Equity Resources-0.06%(4.0)0.40%
Prosperity Home Mortgage LLC-0.06%(4.0)0.40%
State Employees’ Credit Union-0.04%(3.5)10.27%
JPMorgan Chase Bank-0.04%(3.5)1.74%
Pinnacle Financial Partners-0.03%(3.5)0.84%
Atlantic Bay Mortgage Group-0.03%(3.5)1.24%
Bank of America-0.02%(3.5)2.08%
Local Government Federal Credit Union-0.02%(3.5)1.69%
Keller Mortgage-0.02%(3.5)0.20%
Union Home Mortgage-0.02%(3.5)1.04%
Movement Mortgage-0.01%(3.5)0.84%
Truist Bank-0.01%(3.5)6.25%
Hamilton Group Funding-0.00%(3.5)0.10%
SunTrust Bank-0.00%(3.5)1.69%
Certainty Home Loans0.00%(3.5)0.20%
Ameris Bank0.01%(3.5)0.15%
Allen Tate Mortgage0.01%(3.5)0.10%
Renasant Bank0.01%(3.5)0.40%
First Citizens Bank0.02%(3.5)1.93%
First National Bank of Pennsylvania0.02%(3.5)3.22%
Caliber Home Loans0.02%(3.5)0.25%
Cardinal Financial Company0.02%(3.5)0.79%
Towne Mortgage Company0.02%(3.5)0.25%
Freedom Mortgage Corporation0.03%(3.5)0.30%
Navy Federal Credit Union0.04%(3.5)0.30%
Lakeview Loan Servicing0.04%(3.5)0.10%
Highlands Residential Mortgage Ltd0.06%(3.0)0.30%
PNC Bank0.06%(3.0)1.29%
Home Point Financial Corporation0.06%(3.0)0.20%
Mortgage Solutions Financial0.06%(3.0)0.10%
Carrington Mortgage Services0.07%(3.0)0.45%
PennyMac Loan Services0.07%(3.0)0.45%
Plaza Home Mortgage0.07%(3.0)0.10%
AgFirst Farm Credit Bank0.09%(3.0)0.84%
First Horizon Bank0.13%(3.0)1.19%
Quicken Loans0.17%(2.5)16.42%
Wells Fargo Bank0.19%(2.5)5.41%
Mr. Cooper0.23%(2.5)1.29%
Truliant Federal Credit Union0.32%(2.0)6.70%
Lender NameRate DifferenceRate RatingMarket Share
Home Point Financial Corporation-0.19%(4.5)3.07%
Keller Mortgage-0.11%(4.0)1.02%
Quicken Loans-0.11%(4.0)19.78%
Prosperity Home Mortgage LLC-0.10%(4.0)1.89%
Atlantic Bay Mortgage Group-0.09%(4.0)6.93%
Equity Resources-0.08%(4.0)1.18%
First Citizens Bank-0.05%(4.0)1.34%
Plaza Home Mortgage-0.05%(4.0)2.21%
SunTrust Bank-0.05%(3.5)1.18%
Bank of America-0.05%(3.5)0.71%
Truist Bank-0.04%(3.5)0.47%
First Federal Bank of Florida-0.04%(3.5)0.16%
PennyMac Loan Services-0.03%(3.5)0.79%
PNC Bank-0.03%(3.5)0.39%
Union Home Mortgage-0.03%(3.5)1.10%
First National Bank of Pennsylvania-0.02%(3.5)0.08%
Guaranteed Rate-0.02%(3.5)1.50%
Movement Mortgage-0.02%(3.5)6.86%
Renasant Bank-0.02%(3.5)0.08%
Ameris Bank-0.02%(3.5)1.42%
Certainty Home Loans-0.01%(3.5)1.50%
Towne Mortgage Company-0.01%(3.5)1.26%
Pinnacle Financial Partners-0.01%(3.5)0.24%
Freedom Mortgage Corporation-0.01%(3.5)1.34%
Navy Federal Credit Union-0.00%(3.5)0.16%
Highlands Residential Mortgage Ltd0.00%(3.5)1.18%
Carrington Mortgage Services0.00%(3.5)3.47%
DHI Mortgage Company Limited0.02%(3.5)1.89%
Allen Tate Mortgage0.04%(3.5)0.16%
Hamilton Group Funding0.04%(3.5)1.02%
Lakeview Loan Servicing0.05%(3.5)1.97%
Wells Fargo Bank0.07%(3.0)0.63%
Caliber Home Loans0.07%(3.0)1.50%
Fairway Independent Mortgage Corporation0.09%(3.0)14.97%
Mr. Cooper0.09%(3.0)2.76%
Cardinal Financial Company0.19%(2.5)4.41%
Mortgage Solutions Financial0.33%(2.0)1.89%
OneTrust Home Loans0.37%(1.5)2.68%
Lender NameRate DifferenceRate RatingMarket Share
Home Point Financial Corporation-0.22%(4.5)3.59%
Quicken Loans-0.14%(4.0)11.50%
Keller Mortgage-0.12%(4.0)1.37%
Prosperity Home Mortgage LLC-0.11%(4.0)2.53%
Atlantic Bay Mortgage Group-0.09%(4.0)9.07%
Equity Resources-0.09%(4.0)1.48%
Freedom Mortgage Corporation-0.07%(4.0)1.16%
Plaza Home Mortgage-0.06%(4.0)2.53%
First Citizens Bank-0.06%(4.0)1.79%
Bank of America-0.06%(4.0)0.84%
SunTrust Bank-0.05%(4.0)1.58%
PennyMac Loan Services-0.05%(4.0)0.42%
Truist Bank-0.05%(4.0)0.63%
First Federal Bank of Florida-0.04%(3.5)0.21%
Union Home Mortgage-0.04%(3.5)1.37%
PNC Bank-0.04%(3.5)0.53%
Guaranteed Rate-0.03%(3.5)1.69%
Towne Mortgage Company-0.03%(3.5)1.37%
First National Bank of Pennsylvania-0.03%(3.5)0.11%
Movement Mortgage-0.03%(3.5)8.76%
Renasant Bank-0.02%(3.5)0.11%
Ameris Bank-0.02%(3.5)1.69%
Certainty Home Loans-0.02%(3.5)1.79%
Pinnacle Financial Partners-0.02%(3.5)0.32%
Navy Federal Credit Union-0.01%(3.5)0.21%
Highlands Residential Mortgage Ltd-0.01%(3.5)1.48%
Mr. Cooper-0.01%(3.5)1.05%
DHI Mortgage Company Limited0.02%(3.5)2.53%
Carrington Mortgage Services0.02%(3.5)1.16%
Allen Tate Mortgage0.03%(3.5)0.21%
Hamilton Group Funding0.03%(3.5)1.37%
Wells Fargo Bank0.06%(3.0)0.84%
Fairway Independent Mortgage Corporation0.08%(3.0)19.73%
Caliber Home Loans0.09%(3.0)1.48%
Cardinal Financial Company0.23%(2.5)4.54%
Mortgage Solutions Financial0.32%(2.0)2.53%
OneTrust Home Loans0.38%(1.5)3.48%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.07%(4.0)44.24%
Home Point Financial Corporation-0.01%(3.5)1.56%
Plaza Home Mortgage-0.01%(3.5)1.25%
PennyMac Loan Services0.00%(3.5)1.87%
Atlantic Bay Mortgage Group0.00%(3.5)0.62%
Guaranteed Rate0.00%(3.5)0.93%
Bank of America0.01%(3.5)0.31%
Equity Resources0.01%(3.5)0.31%
Certainty Home Loans0.01%(3.5)0.62%
Ameris Bank0.02%(3.5)0.62%
Carrington Mortgage Services0.02%(3.5)10.28%
Caliber Home Loans0.03%(3.5)1.56%
OneTrust Home Loans0.03%(3.5)0.31%
Highlands Residential Mortgage Ltd0.04%(3.5)0.31%
Towne Mortgage Company0.04%(3.5)0.93%
Movement Mortgage0.04%(3.5)1.25%
Fairway Independent Mortgage Corporation0.04%(3.5)0.93%
Union Home Mortgage0.05%(3.5)0.31%
Cardinal Financial Company0.05%(3.0)4.05%
Lakeview Loan Servicing0.07%(3.0)7.79%
Freedom Mortgage Corporation0.12%(3.0)1.87%
Mr. Cooper0.15%(2.5)7.79%
Lender NameRate DifferenceRate RatingMarket Share
First Horizon Bank-0.04%(3.5)10.74%
Bank of America-0.02%(3.5)7.44%
First National Bank of Pennsylvania-0.01%(3.5)9.92%
Truist Bank-0.00%(3.5)24.79%
Prosperity Home Mortgage LLC-0.00%(3.5)2.48%
Wells Fargo Bank-0.00%(3.5)8.26%
Highlands Residential Mortgage Ltd0.00%(3.5)0.83%
First Citizens Bank0.01%(3.5)4.96%
SunTrust Bank0.01%(3.5)11.57%
JPMorgan Chase Bank0.02%(3.5)1.65%
Piedmont Federal Savings Bank0.02%(3.5)4.13%
Quicken Loans0.02%(3.5)1.65%
Movement Mortgage0.02%(3.5)1.65%
AgFirst Farm Credit Bank0.02%(3.5)0.83%
State Employees’ Credit Union0.03%(3.5)0.83%
Fairway Independent Mortgage Corporation0.03%(3.5)1.65%
Pinnacle Financial Partners0.04%(3.5)5.79%
Plaza Home Mortgage0.04%(3.5)0.83%
Lender NameRate DifferenceRate RatingMarket Share
First Horizon Bank-0.04%(3.5)14.29%
First National Bank of Pennsylvania-0.02%(3.5)12.99%
Prosperity Home Mortgage LLC-0.01%(3.5)2.60%
Wells Fargo Bank0.00%(3.5)6.49%
Truist Bank0.00%(3.5)25.97%
Highlands Residential Mortgage Ltd0.00%(3.5)1.30%
Bank of America0.01%(3.5)3.90%
First Citizens Bank0.01%(3.5)3.90%
SunTrust Bank0.01%(3.5)12.99%
JPMorgan Chase Bank0.01%(3.5)1.30%
Piedmont Federal Savings Bank0.02%(3.5)2.60%
Quicken Loans0.03%(3.5)1.30%
Movement Mortgage0.03%(3.5)1.30%
Fairway Independent Mortgage Corporation0.03%(3.5)2.60%
Plaza Home Mortgage0.05%(3.5)1.30%
Pinnacle Financial Partners0.06%(3.0)5.19%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.03%(3.5)13.64%
Truist Bank-0.01%(3.5)22.73%
Wells Fargo Bank-0.01%(3.5)11.36%
Quicken Loans0.01%(3.5)2.27%
Prosperity Home Mortgage LLC0.01%(3.5)2.27%
Movement Mortgage0.01%(3.5)2.27%
Piedmont Federal Savings Bank0.01%(3.5)6.82%
First Citizens Bank0.01%(3.5)6.82%
First Horizon Bank0.01%(3.5)4.55%
Pinnacle Financial Partners0.02%(3.5)6.82%
JPMorgan Chase Bank0.02%(3.5)2.27%
AgFirst Farm Credit Bank0.02%(3.5)2.27%
SunTrust Bank0.02%(3.5)9.09%
First National Bank of Pennsylvania0.02%(3.5)4.55%
State Employees’ Credit Union0.03%(3.5)2.27%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.25%(5.0)8.70%
Wells Fargo Bank-0.11%(4.0)4.95%
Lakeview Loan Servicing-0.09%(4.0)2.55%
PennyMac Loan Services-0.05%(4.0)2.85%
Home Point Financial Corporation-0.03%(3.5)1.65%
Truist Bank-0.03%(3.5)3.30%
Prosperity Home Mortgage LLC-0.02%(3.5)1.50%
Bank of America-0.02%(3.5)0.45%
Plaza Home Mortgage-0.01%(3.5)0.90%
SunTrust Bank-0.00%(3.5)1.35%
Towne Mortgage Company-0.00%(3.5)0.75%
Carrington Mortgage Services0.00%(3.5)3.90%
Pinnacle Financial Partners0.00%(3.5)0.15%
Ameris Bank0.00%(3.5)0.30%
Union Home Mortgage0.01%(3.5)0.30%
Equity Resources0.01%(3.5)1.05%
Caliber Home Loans0.01%(3.5)1.20%
Guaranteed Rate0.01%(3.5)1.05%
JPMorgan Chase Bank0.01%(3.5)0.15%
Keller Mortgage0.01%(3.5)0.45%
First Citizens Bank0.01%(3.5)0.15%
Hamilton Group Funding0.02%(3.5)1.20%
Certainty Home Loans0.02%(3.5)0.75%
Allen Tate Mortgage0.02%(3.5)0.15%
PNC Bank0.02%(3.5)0.15%
First National Bank of Pennsylvania0.03%(3.5)0.15%
Highlands Residential Mortgage Ltd0.04%(3.5)0.75%
First Federal Bank of Florida0.04%(3.5)0.90%
DHI Mortgage Company Limited0.04%(3.5)2.40%
Freedom Mortgage Corporation0.05%(3.5)3.15%
Quicken Loans0.05%(3.5)11.69%
Atlantic Bay Mortgage Group0.06%(3.0)4.65%
Movement Mortgage0.06%(3.0)4.95%
OneTrust Home Loans0.07%(3.0)0.45%
Mr. Cooper0.08%(3.0)1.35%
Cardinal Financial Company0.09%(3.0)2.85%
Fairway Independent Mortgage Corporation0.11%(3.0)7.80%
Mortgage Solutions Financial0.25%(2.5)3.75%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.28%(5.0)12.11%
Wells Fargo Bank-0.10%(4.0)7.84%
Truist Bank-0.04%(3.5)3.56%
Freedom Mortgage Corporation-0.04%(3.5)1.43%
Prosperity Home Mortgage LLC-0.01%(3.5)2.38%
Bank of America-0.01%(3.5)0.71%
Home Point Financial Corporation-0.00%(3.5)1.19%
Towne Mortgage Company0.00%(3.5)0.95%
SunTrust Bank0.00%(3.5)1.90%
Plaza Home Mortgage0.00%(3.5)0.48%
Ameris Bank0.01%(3.5)0.48%
Union Home Mortgage0.01%(3.5)0.48%
First Federal Bank of Florida0.01%(3.5)0.24%
Equity Resources0.01%(3.5)1.19%
Mr. Cooper0.01%(3.5)0.71%
Guaranteed Rate0.02%(3.5)1.43%
JPMorgan Chase Bank0.02%(3.5)0.24%
Keller Mortgage0.02%(3.5)0.71%
First Citizens Bank0.02%(3.5)0.24%
Allen Tate Mortgage0.02%(3.5)0.24%
Hamilton Group Funding0.02%(3.5)1.66%
Certainty Home Loans0.02%(3.5)0.95%
PNC Bank0.03%(3.5)0.24%
Quicken Loans0.03%(3.5)5.94%
Highlands Residential Mortgage Ltd0.04%(3.5)1.19%
DHI Mortgage Company Limited0.05%(3.5)3.80%
Carrington Mortgage Services0.05%(3.0)0.48%
Caliber Home Loans0.07%(3.0)0.71%
Atlantic Bay Mortgage Group0.07%(3.0)6.89%
OneTrust Home Loans0.07%(3.0)0.71%
Movement Mortgage0.09%(3.0)6.18%
Fairway Independent Mortgage Corporation0.13%(3.0)11.40%
Cardinal Financial Company0.13%(3.0)3.09%
Mortgage Solutions Financial0.33%(2.0)4.28%
Lender NameRate DifferenceRate RatingMarket Share
Lakeview Loan Servicing-0.10%(4.0)6.91%
Home Point Financial Corporation-0.07%(4.0)2.44%
PennyMac Loan Services-0.06%(4.0)7.72%
Navy Federal Credit Union-0.05%(4.0)2.85%
Caliber Home Loans-0.03%(3.5)2.03%
Movement Mortgage-0.03%(3.5)2.85%
Plaza Home Mortgage-0.02%(3.5)1.63%
Carrington Mortgage Services-0.01%(3.5)9.76%
Equity Resources-0.01%(3.5)0.81%
Pinnacle Financial Partners-0.01%(3.5)0.41%
Cardinal Financial Company-0.00%(3.5)2.44%
Atlantic Bay Mortgage Group-0.00%(3.5)0.81%
Truist Bank-0.00%(3.5)2.85%
SunTrust Bank0.00%(3.5)0.41%
Guaranteed Rate0.00%(3.5)0.41%
Hamilton Group Funding0.00%(3.5)0.41%
Towne Mortgage Company0.00%(3.5)0.41%
Certainty Home Loans0.01%(3.5)0.41%
First National Bank of Pennsylvania0.02%(3.5)0.41%
Fairway Independent Mortgage Corporation0.02%(3.5)1.63%
First Federal Bank of Florida0.03%(3.5)2.03%
Mortgage Solutions Financial0.04%(3.5)2.85%
Quicken Loans0.05%(3.5)21.54%
Freedom Mortgage Corporation0.08%(3.0)6.10%
Mr. Cooper0.10%(3.0)2.44%

* Data is compiled for the Winston-Salem, NC commuting zone area, which comprises of counties of Davie County, NC, Forsyth County, NC, Stokes County, NC, Surry County, NC, and Yadkin County, NC. This includes cities/towns/communities of Winston-Salem, NC as well as Kernersville, NC, Clemmons, NC, Lewisville, NC, Mount Airy, NC, Bermuda Run, NC, King, NC, Walkertown, NC, Mocksville, NC, Rural Hall, NC, Hillsdale, NC, Advance, NC, Pinnacle, NC, Tobaccoville, NC, Yadkinville, NC, Elkin, NC, East Bend, NC, Boonville, NC, Walnut Cove, NC, Jonesville, NC, Germanton, NC, Pilot Mountain, NC, Dobson, NC, White Plains, NC, Cooleemee, NC, Lowgap, NC, Toast, NC, Danbury, NC, High Point, NC, and Flat Rock, 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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