Which mortgage lender in the Wilson, 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 Wilson, 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 Wilson, NC area in terms of interest rate is Southern Bank and Trust Company, with an average “Rate Difference” of -0.13%. This means that, comparing similar borrowers, Southern Bank and Trust Company provided a -0.13% lower interest rate for its customers than other lenders in the area. Southern Bank and Trust Company has a market share of 8.0%. On the other hand, the most popular lender in the Wilson, NC area is PrimeLending, with a larger market share of 16.1%. However, PrimeLending also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.10% compared to those of other lenders. We recommend shopping around before going with this popular lender.
Our detailed ranking of mortgage lenders in the Wilson, 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, Southern Bank and Trust Company is the cheapest mortgage provider for Conventional and Jumbo mortgages in Wilson, NC. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Truist Bank. 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 Wilson, NC
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Southern Bank and Trust Company | -0.13% | 8.00% | |
| Truist Bank | -0.12% | 14.51% | |
| Movement Mortgage | -0.03% | 3.04% | |
| State Employees’ Credit Union | -0.02% | 13.02% | |
| Angel Oak Home Loans | -0.01% | 6.16% | |
| Navy Federal Credit Union | -0.00% | 2.55% | |
| Wells Fargo Bank | 0.01% | 7.57% | |
| DHI Mortgage Company Limited | 0.03% | 3.68% | |
| loanDepot | 0.04% | 2.62% | |
| Quicken Loans | 0.05% | 14.86% | |
| Local Government Federal Credit Union | 0.06% | 2.62% | |
| PNC Bank | 0.10% | 5.24% | |
| PrimeLending | 0.10% | 16.14% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Southern Bank and Trust Company | -0.17% | 8.42% | |
| Truist Bank | -0.13% | 16.28% | |
| Movement Mortgage | -0.04% | 4.04% | |
| Wells Fargo Bank | -0.03% | 9.29% | |
| Angel Oak Home Loans | -0.01% | 7.87% | |
| Navy Federal Credit Union | -0.01% | 3.28% | |
| PNC Bank | 0.01% | 2.40% | |
| DHI Mortgage Company Limited | 0.03% | 5.68% | |
| loanDepot | 0.03% | 0.98% | |
| Quicken Loans | 0.04% | 8.09% | |
| State Employees’ Credit Union | 0.08% | 8.42% | |
| PrimeLending | 0.11% | 22.95% | |
| Local Government Federal Credit Union | 0.12% | 2.30% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| State Employees’ Credit Union | -0.10% | 21.49% | |
| Truist Bank | -0.10% | 11.24% | |
| Southern Bank and Trust Company | -0.06% | 7.23% | |
| Local Government Federal Credit Union | -0.03% | 3.21% | |
| Angel Oak Home Loans | -0.01% | 3.01% | |
| Movement Mortgage | 0.02% | 1.20% | |
| Navy Federal Credit Union | 0.03% | 1.20% | |
| loanDepot | 0.04% | 5.62% | |
| Quicken Loans | 0.05% | 27.31% | |
| PrimeLending | 0.06% | 3.61% | |
| Wells Fargo Bank | 0.14% | 4.42% | |
| PNC Bank | 0.14% | 10.44% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Southern Bank and Trust Company | -0.13% | 11.13% | |
| Truist Bank | -0.12% | 18.72% | |
| Movement Mortgage | -0.03% | 1.72% | |
| State Employees’ Credit Union | -0.02% | 18.62% | |
| Angel Oak Home Loans | 0.01% | 3.34% | |
| Wells Fargo Bank | 0.01% | 9.92% | |
| DHI Mortgage Company Limited | 0.04% | 2.33% | |
| loanDepot | 0.04% | 1.62% | |
| Local Government Federal Credit Union | 0.07% | 3.74% | |
| Navy Federal Credit Union | 0.09% | 1.62% | |
| PrimeLending | 0.11% | 9.21% | |
| PNC Bank | 0.12% | 7.09% | |
| Quicken Loans | 0.13% | 10.93% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Southern Bank and Trust Company | -0.15% | 12.99% | |
| Truist Bank | -0.12% | 22.22% | |
| Movement Mortgage | -0.03% | 2.39% | |
| Wells Fargo Bank | -0.02% | 12.99% | |
| loanDepot | 0.03% | 0.68% | |
| PNC Bank | 0.03% | 3.08% | |
| Angel Oak Home Loans | 0.03% | 3.93% | |
| DHI Mortgage Company Limited | 0.05% | 3.93% | |
| State Employees’ Credit Union | 0.10% | 13.16% | |
| Navy Federal Credit Union | 0.11% | 2.22% | |
| PrimeLending | 0.12% | 13.50% | |
| Local Government Federal Credit Union | 0.14% | 3.59% | |
| Quicken Loans | 0.16% | 5.30% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| State Employees’ Credit Union | -0.11% | 26.55% | |
| Truist Bank | -0.10% | 13.65% | |
| Southern Bank and Trust Company | -0.06% | 8.44% | |
| Local Government Federal Credit Union | -0.03% | 3.97% | |
| Angel Oak Home Loans | -0.03% | 2.48% | |
| Movement Mortgage | 0.02% | 0.74% | |
| loanDepot | 0.04% | 2.98% | |
| Navy Federal Credit Union | 0.04% | 0.74% | |
| PrimeLending | 0.06% | 2.98% | |
| Quicken Loans | 0.11% | 19.11% | |
| Wells Fargo Bank | 0.14% | 5.46% | |
| PNC Bank | 0.14% | 12.90% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Truist Bank | -0.13% | 4.18% | |
| Quicken Loans | -0.08% | 24.39% | |
| Movement Mortgage | -0.08% | 6.62% | |
| Angel Oak Home Loans | -0.05% | 16.03% | |
| Navy Federal Credit Union | -0.05% | 1.39% | |
| PNC Bank | -0.04% | 1.05% | |
| DHI Mortgage Company Limited | -0.00% | 6.62% | |
| loanDepot | 0.02% | 2.44% | |
| Wells Fargo Bank | 0.03% | 0.70% | |
| PrimeLending | 0.11% | 36.59% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Truist Bank | -0.15% | 5.08% | |
| Quicken Loans | -0.10% | 13.14% | |
| Movement Mortgage | -0.09% | 8.05% | |
| Angel Oak Home Loans | -0.07% | 17.37% | |
| Navy Federal Credit Union | -0.06% | 1.69% | |
| PNC Bank | -0.05% | 1.27% | |
| DHI Mortgage Company Limited | -0.02% | 8.05% | |
| Wells Fargo Bank | 0.02% | 0.85% | |
| loanDepot | 0.02% | 1.69% | |
| PrimeLending | 0.10% | 42.80% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.02% | 76.47% | |
| Angel Oak Home Loans | 0.05% | 9.80% | |
| loanDepot | 0.06% | 5.88% | |
| PrimeLending | 0.09% | 7.84% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Southern Bank and Trust Company | -0.00% | 33.33% | |
| Truist Bank | 0.00% | 66.67% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Truist Bank | 0.00% | 100.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Southern Bank and Trust Company | 0.00% | 100.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.10% | 11.85% | |
| Truist Bank | -0.02% | 4.44% | |
| Wells Fargo Bank | -0.00% | 5.19% | |
| Southern Bank and Trust Company | 0.00% | 1.48% | |
| PNC Bank | 0.00% | 0.74% | |
| PrimeLending | 0.01% | 23.70% | |
| Movement Mortgage | 0.01% | 5.19% | |
| Angel Oak Home Loans | 0.01% | 5.93% | |
| Quicken Loans | 0.01% | 23.70% | |
| DHI Mortgage Company Limited | 0.04% | 7.41% | |
| loanDepot | 0.04% | 10.37% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.11% | 14.13% | |
| Truist Bank | -0.02% | 5.43% | |
| Southern Bank and Trust Company | -0.00% | 1.09% | |
| Wells Fargo Bank | 0.00% | 7.61% | |
| PNC Bank | 0.01% | 1.09% | |
| loanDepot | 0.01% | 1.09% | |
| PrimeLending | 0.01% | 32.61% | |
| Angel Oak Home Loans | 0.02% | 8.70% | |
| Movement Mortgage | 0.02% | 4.35% | |
| DHI Mortgage Company Limited | 0.04% | 10.87% | |
| Quicken Loans | 0.05% | 13.04% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.02% | 46.51% | |
| Navy Federal Credit Union | -0.01% | 6.98% | |
| Movement Mortgage | -0.01% | 6.98% | |
| Truist Bank | -0.01% | 2.33% | |
| Southern Bank and Trust Company | -0.00% | 2.33% | |
| PrimeLending | 0.02% | 4.65% | |
| loanDepot | 0.03% | 30.23% |
* Data is compiled for the Wilson, NC commuting zone area, which comprises of counties of Edgecombe County, NC, Nash County, NC, and Wilson County, NC. This includes cities/towns/communities of Wilson, NC as well as Rocky Mount, NC, Tarboro, NC, Sharpsburg, NC, Red Oak, NC, Nashville, NC, Middlesex, NC, Rocky Mount, NC, Bailey, NC, Castalia, NC, Elm City, NC, Spring Hope, NC, Lucama, NC, Kenly, NC, Sharpsburg, NC, Black Creek, NC, Stantonsburg, NC, Pinetops, NC, Conetoe, NC, Macclesfield, NC, Princeville, NC, Saratoga, NC, and Whitakers, 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.
Mortgage Lender Rankings in Other Cities
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