Top Mortgage Lenders in Fayetteville, NC

Which mortgage lender in the Fayetteville, 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 Fayetteville, 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 Fayetteville, NC area in terms of interest rate is Navy Federal Credit Union, with an average “Rate Difference” of -0.25%. This means that, comparing similar borrowers, Navy Federal Credit Union provided a -0.25% lower interest rate for its customers than other lenders in the area. Navy Federal Credit Union has a market share of 7.6%. On the other hand, the most popular lender in the Fayetteville, NC area is Quicken Loans, with a larger market share of 8.2%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.08% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Fayetteville, 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 Fayetteville, NC is Credit Union Mortgage Association. 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 Bank of America. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Mr. Cooper. 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 Fayetteville, NC

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.25%(5.0)7.63%
Credit Union Mortgage Association-0.12%(4.0)0.74%
USAA-0.09%(4.0)7.70%
Truist Bank-0.09%(4.0)2.58%
Village Capital-0.08%(4.0)0.68%
First Horizon Bank-0.08%(4.0)0.54%
First Bank NC and SC-0.07%(4.0)0.74%
American Security Mortgage-0.07%(4.0)2.70%
State Employees’ Credit Union-0.06%(4.0)3.42%
Sharonview Federal CU-0.06%(4.0)0.68%
Certainty Home Loans-0.06%(4.0)2.40%
PennyMac Loan Services-0.05%(4.0)1.40%
Wells Fargo Bank-0.05%(3.5)5.03%
Plaza Home Mortgage-0.04%(3.5)0.54%
loanDepot-0.03%(3.5)1.96%
Mr. Cooper-0.02%(3.5)2.51%
Bank of America-0.02%(3.5)0.82%
First Citizens Bank-0.02%(3.5)1.63%
Lakeview Loan Servicing-0.02%(3.5)0.72%
Caliber Home Loans-0.01%(3.5)1.54%
Southern Trust Mortgage-0.00%(3.5)4.65%
GoPrime Mortgage Inc0.01%(3.5)0.86%
ALCOVA Mortgage0.01%(3.5)0.88%
Freedom Mortgage Corporation0.01%(3.5)1.79%
Fairway Independent Mortgage Corporation0.01%(3.5)1.60%
Movement Mortgage0.02%(3.5)7.02%
Guaranteed Rate0.02%(3.5)0.75%
Acopia Home Loans0.03%(3.5)1.14%
CMG Financial0.03%(3.5)1.53%
OVM Financial0.04%(3.5)3.79%
PNC Bank0.04%(3.5)1.53%
PrimeLending0.05%(3.0)1.72%
New American Funding0.05%(3.0)0.61%
Cardinal Financial Company0.06%(3.0)0.68%
Atlantic Bay Mortgage Group0.08%(3.0)0.95%
Quicken Loans0.08%(3.0)8.23%
Blue Ridge Bank0.09%(3.0)1.74%
Homespire Mortgage0.10%(3.0)1.81%
North State Bank0.11%(3.0)0.70%
Barrington Bank & Trust0.12%(3.0)0.58%
Union Home Mortgage0.13%(3.0)5.72%
The Federal Savings Bank0.14%(3.0)0.72%
Carrington Mortgage Services0.21%(2.5)2.39%
CityWorth Mortgage0.26%(2.0)0.58%
NewDay USA0.39%(1.5)0.74%
Mortgage Solutions Financial0.43%(1.5)1.35%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.26%(5.0)10.02%
Truist Bank-0.13%(4.0)2.19%
Wells Fargo Bank-0.12%(4.0)5.54%
Freedom Mortgage Corporation-0.10%(4.0)1.34%
USAA-0.07%(4.0)9.03%
First Horizon Bank-0.07%(4.0)0.77%
Mr. Cooper-0.07%(4.0)2.71%
American Security Mortgage-0.07%(4.0)3.36%
First Bank NC and SC-0.07%(4.0)0.70%
Certainty Home Loans-0.05%(3.5)3.06%
PNC Bank-0.04%(3.5)0.72%
Credit Union Mortgage Association-0.04%(3.5)0.47%
Bank of America-0.01%(3.5)0.70%
Sharonview Federal CU0.00%(3.5)0.35%
Southern Trust Mortgage0.01%(3.5)5.87%
ALCOVA Mortgage0.02%(3.5)0.87%
First Citizens Bank0.02%(3.5)0.92%
Plaza Home Mortgage0.02%(3.5)0.40%
PennyMac Loan Services0.02%(3.5)0.15%
Lakeview Loan Servicing0.02%(3.5)0.02%
GoPrime Mortgage Inc0.03%(3.5)0.97%
Movement Mortgage0.03%(3.5)9.08%
Fairway Independent Mortgage Corporation0.03%(3.5)1.86%
Acopia Home Loans0.04%(3.5)1.34%
Guaranteed Rate0.04%(3.5)0.92%
The Federal Savings Bank0.04%(3.5)0.07%
loanDepot0.04%(3.5)0.32%
CMG Financial0.05%(3.5)1.96%
OVM Financial0.05%(3.5)5.15%
PrimeLending0.06%(3.0)2.26%
State Employees’ Credit Union0.07%(3.0)2.04%
New American Funding0.07%(3.0)0.57%
Caliber Home Loans0.08%(3.0)1.17%
Quicken Loans0.08%(3.0)4.35%
Cardinal Financial Company0.08%(3.0)0.72%
NewDay USA0.09%(3.0)0.12%
Atlantic Bay Mortgage Group0.10%(3.0)0.99%
Blue Ridge Bank0.11%(3.0)1.74%
Homespire Mortgage0.11%(3.0)2.54%
North State Bank0.13%(3.0)0.97%
Barrington Bank & Trust0.14%(3.0)0.77%
Union Home Mortgage0.15%(3.0)7.61%
CityWorth Mortgage0.27%(2.0)0.80%
Carrington Mortgage Services0.40%(1.5)0.92%
Mortgage Solutions Financial0.51%(1.0)1.57%
Lender NameRate DifferenceRate RatingMarket Share
Credit Union Mortgage Association-0.21%(4.5)1.37%
State Employees’ Credit Union-0.18%(4.5)6.73%
USAA-0.14%(4.0)4.52%
Plaza Home Mortgage-0.12%(4.0)0.89%
Certainty Home Loans-0.12%(4.0)0.83%
Sharonview Federal CU-0.11%(4.0)1.49%
Caliber Home Loans-0.11%(4.0)2.44%
Village Capital-0.10%(4.0)2.32%
Navy Federal Credit Union-0.10%(4.0)1.90%
First Bank NC and SC-0.09%(4.0)0.83%
Southern Trust Mortgage-0.09%(4.0)1.73%
PennyMac Loan Services-0.08%(4.0)4.40%
loanDepot-0.06%(4.0)5.89%
First Citizens Bank-0.06%(4.0)3.33%
Lakeview Loan Servicing-0.04%(3.5)2.38%
Bank of America-0.04%(3.5)1.13%
OVM Financial-0.04%(3.5)0.54%
GoPrime Mortgage Inc-0.04%(3.5)0.60%
Truist Bank-0.03%(3.5)3.51%
Fairway Independent Mortgage Corporation-0.03%(3.5)0.95%
Movement Mortgage-0.03%(3.5)2.08%
Guaranteed Rate-0.02%(3.5)0.36%
American Security Mortgage-0.02%(3.5)1.13%
North State Bank-0.02%(3.5)0.06%
CMG Financial-0.02%(3.5)0.48%
Union Home Mortgage-0.00%(3.5)1.19%
Homespire Mortgage-0.00%(3.5)0.06%
Barrington Bank & Trust-0.00%(3.5)0.12%
ALCOVA Mortgage0.00%(3.5)0.89%
Cardinal Financial Company0.01%(3.5)0.60%
Atlantic Bay Mortgage Group0.01%(3.5)0.83%
New American Funding0.02%(3.5)0.71%
Acopia Home Loans0.02%(3.5)0.65%
PrimeLending0.02%(3.5)0.42%
CityWorth Mortgage0.03%(3.5)0.06%
Mortgage Solutions Financial0.04%(3.5)0.83%
Blue Ridge Bank0.05%(3.5)1.73%
Quicken Loans0.06%(3.0)17.50%
PNC Bank0.06%(3.0)3.45%
Carrington Mortgage Services0.11%(3.0)5.89%
The Federal Savings Bank0.12%(3.0)2.26%
Freedom Mortgage Corporation0.12%(3.0)2.86%
Mr. Cooper0.14%(3.0)2.02%
Wells Fargo Bank0.22%(2.5)3.81%
NewDay USA0.41%(1.5)2.20%
Lender NameRate DifferenceRate RatingMarket Share
Credit Union Mortgage Association-0.16%(4.5)1.79%
Truist Bank-0.10%(4.0)7.70%
First Bank NC and SC-0.08%(4.0)2.03%
State Employees’ Credit Union-0.06%(4.0)11.23%
Wells Fargo Bank-0.06%(4.0)11.86%
Sharonview Federal CU-0.06%(4.0)2.26%
Fairway Independent Mortgage Corporation-0.05%(4.0)1.39%
Union Home Mortgage-0.04%(3.5)3.53%
American Security Mortgage-0.03%(3.5)1.97%
Bank of America-0.03%(3.5)2.08%
First Citizens Bank-0.02%(3.5)4.46%
First Horizon Bank-0.01%(3.5)0.58%
USAA-0.01%(3.5)3.01%
Southern Trust Mortgage-0.01%(3.5)3.65%
loanDepot-0.00%(3.5)0.98%
ALCOVA Mortgage0.00%(3.5)1.39%
Acopia Home Loans0.00%(3.5)1.04%
Blue Ridge Bank0.01%(3.5)1.62%
GoPrime Mortgage Inc0.01%(3.5)0.64%
Certainty Home Loans0.01%(3.5)0.87%
Guaranteed Rate0.02%(3.5)0.69%
North State Bank0.02%(3.5)0.29%
Homespire Mortgage0.03%(3.5)0.69%
Atlantic Bay Mortgage Group0.03%(3.5)1.50%
PennyMac Loan Services0.04%(3.5)0.12%
Movement Mortgage0.04%(3.5)4.11%
Cardinal Financial Company0.04%(3.5)0.64%
Caliber Home Loans0.04%(3.5)0.46%
The Federal Savings Bank0.04%(3.5)0.12%
CMG Financial0.05%(3.0)0.93%
PrimeLending0.05%(3.0)1.56%
PNC Bank0.06%(3.0)4.05%
Mortgage Solutions Financial0.06%(3.0)0.06%
Carrington Mortgage Services0.06%(3.0)0.52%
Freedom Mortgage Corporation0.09%(3.0)0.87%
New American Funding0.10%(3.0)0.64%
OVM Financial0.10%(3.0)1.74%
Mr. Cooper0.11%(3.0)0.93%
Quicken Loans0.12%(3.0)11.46%
Navy Federal Credit Union0.16%(2.5)4.57%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.17%(4.5)14.16%
Truist Bank-0.14%(4.0)7.51%
First Bank NC and SC-0.07%(4.0)2.19%
Fairway Independent Mortgage Corporation-0.06%(4.0)1.81%
PNC Bank-0.05%(4.0)1.52%
Credit Union Mortgage Association-0.05%(4.0)1.05%
American Security Mortgage-0.04%(3.5)2.38%
Union Home Mortgage-0.04%(3.5)4.85%
Bank of America-0.03%(3.5)1.81%
ALCOVA Mortgage-0.01%(3.5)1.62%
First Horizon Bank-0.00%(3.5)0.95%
USAA0.00%(3.5)4.09%
Southern Trust Mortgage0.00%(3.5)5.32%
Sharonview Federal CU0.01%(3.5)1.33%
Acopia Home Loans0.01%(3.5)1.52%
Blue Ridge Bank0.01%(3.5)1.62%
First Citizens Bank0.02%(3.5)2.76%
GoPrime Mortgage Inc0.02%(3.5)0.86%
Certainty Home Loans0.02%(3.5)1.24%
Guaranteed Rate0.03%(3.5)1.05%
North State Bank0.03%(3.5)0.38%
loanDepot0.04%(3.5)0.29%
Atlantic Bay Mortgage Group0.04%(3.5)1.43%
Homespire Mortgage0.04%(3.5)1.14%
PennyMac Loan Services0.05%(3.5)0.10%
Caliber Home Loans0.05%(3.0)0.57%
Freedom Mortgage Corporation0.05%(3.0)0.38%
Movement Mortgage0.06%(3.0)5.80%
Cardinal Financial Company0.06%(3.0)0.86%
CMG Financial0.06%(3.0)1.52%
PrimeLending0.06%(3.0)2.28%
Mortgage Solutions Financial0.07%(3.0)0.10%
State Employees’ Credit Union0.07%(3.0)7.79%
Mr. Cooper0.08%(3.0)0.48%
OVM Financial0.11%(3.0)2.76%
New American Funding0.12%(3.0)0.86%
Quicken Loans0.15%(2.5)6.84%
Navy Federal Credit Union0.18%(2.5)6.84%
Lender NameRate DifferenceRate RatingMarket Share
Credit Union Mortgage Association-0.23%(4.5)2.96%
State Employees’ Credit Union-0.17%(4.5)16.57%
Sharonview Federal CU-0.10%(4.0)3.70%
First Bank NC and SC-0.10%(4.0)1.78%
First Citizens Bank-0.06%(4.0)7.10%
USAA-0.05%(4.0)1.33%
Bank of America-0.03%(3.5)2.51%
Truist Bank-0.03%(3.5)7.99%
loanDepot-0.02%(3.5)2.07%
Southern Trust Mortgage-0.02%(3.5)1.04%
GoPrime Mortgage Inc-0.02%(3.5)0.30%
Fairway Independent Mortgage Corporation-0.01%(3.5)0.74%
Union Home Mortgage-0.01%(3.5)1.48%
North State Bank-0.01%(3.5)0.15%
Movement Mortgage-0.01%(3.5)1.48%
Guaranteed Rate-0.00%(3.5)0.15%
Certainty Home Loans0.00%(3.5)0.30%
Blue Ridge Bank0.00%(3.5)1.63%
Cardinal Financial Company0.00%(3.5)0.30%
American Security Mortgage0.02%(3.5)1.33%
PennyMac Loan Services0.02%(3.5)0.15%
OVM Financial0.02%(3.5)0.15%
Atlantic Bay Mortgage Group0.02%(3.5)1.63%
Navy Federal Credit Union0.02%(3.5)1.04%
The Federal Savings Bank0.03%(3.5)0.30%
New American Funding0.03%(3.5)0.30%
PrimeLending0.03%(3.5)0.44%
Caliber Home Loans0.03%(3.5)0.30%
ALCOVA Mortgage0.04%(3.5)1.04%
Acopia Home Loans0.04%(3.5)0.30%
Carrington Mortgage Services0.05%(3.5)1.33%
PNC Bank0.08%(3.0)7.99%
Quicken Loans0.09%(3.0)18.64%
Freedom Mortgage Corporation0.09%(3.0)1.63%
Mr. Cooper0.12%(3.0)1.63%
Wells Fargo Bank0.25%(2.0)8.28%
Lender NameRate DifferenceRate RatingMarket Share
Mr. Cooper-0.13%(4.0)4.17%
Navy Federal Credit Union-0.11%(4.0)1.01%
Movement Mortgage-0.09%(4.0)13.53%
American Security Mortgage-0.07%(4.0)2.59%
PNC Bank-0.06%(4.0)1.13%
First Bank NC and SC-0.05%(4.0)0.68%
Village Capital-0.04%(3.5)0.90%
Quicken Loans-0.04%(3.5)15.67%
Freedom Mortgage Corporation-0.03%(3.5)0.90%
OVM Financial-0.03%(3.5)6.76%
Caliber Home Loans-0.03%(3.5)2.37%
Atlantic Bay Mortgage Group-0.02%(3.5)0.68%
ALCOVA Mortgage-0.01%(3.5)0.90%
Truist Bank-0.01%(3.5)0.23%
PennyMac Loan Services-0.01%(3.5)0.90%
Bank of America-0.01%(3.5)0.68%
Barrington Bank & Trust-0.00%(3.5)0.34%
New American Funding0.00%(3.5)1.01%
Plaza Home Mortgage0.00%(3.5)0.90%
First Citizens Bank0.00%(3.5)1.01%
The Federal Savings Bank0.00%(3.5)0.11%
CMG Financial0.01%(3.5)1.69%
NewDay USA0.01%(3.5)0.11%
Acopia Home Loans0.01%(3.5)2.48%
GoPrime Mortgage Inc0.01%(3.5)0.56%
Fairway Independent Mortgage Corporation0.02%(3.5)2.37%
Lakeview Loan Servicing0.03%(3.5)0.79%
Guaranteed Rate0.03%(3.5)0.90%
Certainty Home Loans0.04%(3.5)3.04%
Carrington Mortgage Services0.04%(3.5)1.80%
Wells Fargo Bank0.04%(3.5)1.35%
Homespire Mortgage0.04%(3.5)4.28%
Cardinal Financial Company0.05%(3.0)2.14%
North State Bank0.06%(3.0)0.79%
loanDepot0.07%(3.0)1.92%
PrimeLending0.08%(3.0)1.47%
Southern Trust Mortgage0.10%(3.0)4.51%
Union Home Mortgage0.10%(3.0)5.98%
Blue Ridge Bank0.12%(3.0)4.17%
Mortgage Solutions Financial0.18%(2.5)1.69%
CityWorth Mortgage0.19%(2.5)1.47%
Lender NameRate DifferenceRate RatingMarket Share
Mr. Cooper-0.17%(4.5)4.16%
Navy Federal Credit Union-0.11%(4.0)1.25%
Movement Mortgage-0.09%(4.0)16.34%
PNC Bank-0.07%(4.0)1.25%
American Security Mortgage-0.07%(4.0)3.19%
First Bank NC and SC-0.06%(4.0)0.69%
Freedom Mortgage Corporation-0.05%(4.0)0.83%
Quicken Loans-0.04%(3.5)8.59%
Atlantic Bay Mortgage Group-0.04%(3.5)0.55%
OVM Financial-0.03%(3.5)8.17%
Caliber Home Loans-0.03%(3.5)2.35%
ALCOVA Mortgage-0.02%(3.5)0.83%
Bank of America-0.02%(3.5)0.69%
Truist Bank-0.01%(3.5)0.28%
PennyMac Loan Services-0.01%(3.5)0.42%
Lakeview Loan Servicing-0.00%(3.5)0.14%
Barrington Bank & Trust-0.00%(3.5)0.42%
Plaza Home Mortgage0.00%(3.5)1.11%
The Federal Savings Bank0.00%(3.5)0.14%
First Citizens Bank0.01%(3.5)0.83%
New American Funding0.01%(3.5)0.97%
CMG Financial0.01%(3.5)1.80%
Acopia Home Loans0.01%(3.5)2.77%
loanDepot0.01%(3.5)0.69%
GoPrime Mortgage Inc0.01%(3.5)0.55%
Fairway Independent Mortgage Corporation0.02%(3.5)2.91%
Guaranteed Rate0.03%(3.5)1.11%
Certainty Home Loans0.03%(3.5)3.74%
Wells Fargo Bank0.04%(3.5)1.66%
Homespire Mortgage0.04%(3.5)5.26%
Carrington Mortgage Services0.05%(3.5)0.55%
North State Bank0.06%(3.0)0.97%
Cardinal Financial Company0.06%(3.0)2.08%
PrimeLending0.08%(3.0)1.80%
Union Home Mortgage0.10%(3.0)7.34%
Southern Trust Mortgage0.11%(3.0)5.12%
Blue Ridge Bank0.13%(3.0)4.71%
Mortgage Solutions Financial0.19%(2.5)1.94%
CityWorth Mortgage0.19%(2.5)1.80%
Lender NameRate DifferenceRate RatingMarket Share
Village Capital-0.04%(3.5)4.85%
Quicken Loans-0.03%(3.5)46.67%
Caliber Home Loans-0.02%(3.5)2.42%
Southern Trust Mortgage-0.01%(3.5)1.82%
CMG Financial-0.01%(3.5)1.21%
New American Funding-0.01%(3.5)1.21%
PennyMac Loan Services-0.01%(3.5)3.03%
First Citizens Bank0.00%(3.5)1.82%
Movement Mortgage0.00%(3.5)1.21%
Atlantic Bay Mortgage Group0.00%(3.5)1.21%
First Bank NC and SC0.01%(3.5)0.61%
OVM Financial0.01%(3.5)0.61%
Blue Ridge Bank0.01%(3.5)1.82%
ALCOVA Mortgage0.01%(3.5)1.21%
NewDay USA0.01%(3.5)0.61%
Bank of America0.01%(3.5)0.61%
Acopia Home Loans0.02%(3.5)1.21%
Cardinal Financial Company0.02%(3.5)2.42%
PNC Bank0.02%(3.5)0.61%
Mortgage Solutions Financial0.02%(3.5)0.61%
GoPrime Mortgage Inc0.03%(3.5)0.61%
Freedom Mortgage Corporation0.03%(3.5)1.21%
Lakeview Loan Servicing0.04%(3.5)3.64%
Carrington Mortgage Services0.04%(3.5)7.27%
Mr. Cooper0.05%(3.0)4.24%
loanDepot0.11%(3.0)7.27%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.01%(3.5)18.18%
First Citizens Bank-0.00%(3.5)9.09%
Credit Union Mortgage Association-0.00%(3.5)9.09%
State Employees’ Credit Union0.00%(3.5)9.09%
First Horizon Bank0.00%(3.5)18.18%
Southern Trust Mortgage0.00%(3.5)9.09%
Truist Bank0.00%(3.5)9.09%
Wells Fargo Bank0.00%(3.5)18.18%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.00%(3.5)28.57%
First Citizens Bank-0.00%(3.5)14.29%
First Horizon Bank0.00%(3.5)28.57%
Southern Trust Mortgage0.00%(3.5)14.29%
Wells Fargo Bank0.01%(3.5)14.29%
Lender NameRate DifferenceRate RatingMarket Share
Credit Union Mortgage Association-0.00%(3.5)25.00%
State Employees’ Credit Union-0.00%(3.5)25.00%
Wells Fargo Bank-0.00%(3.5)25.00%
Truist Bank0.00%(3.5)25.00%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.35%(5.0)11.28%
First Horizon Bank-0.12%(4.0)0.62%
Certainty Home Loans-0.10%(4.0)3.09%
USAA-0.10%(4.0)12.58%
Village Capital-0.09%(4.0)1.01%
American Security Mortgage-0.08%(4.0)3.15%
Plaza Home Mortgage-0.06%(4.0)0.75%
loanDepot-0.06%(4.0)2.54%
PennyMac Loan Services-0.06%(4.0)2.28%
Lakeview Loan Servicing-0.03%(3.5)1.11%
Southern Trust Mortgage-0.03%(3.5)5.23%
Wells Fargo Bank-0.03%(3.5)2.21%
Credit Union Mortgage Association-0.01%(3.5)0.33%
Mr. Cooper-0.01%(3.5)2.93%
Caliber Home Loans-0.01%(3.5)1.92%
Freedom Mortgage Corporation0.01%(3.5)2.57%
First Bank NC and SC0.01%(3.5)0.03%
Truist Bank0.01%(3.5)0.36%
GoPrime Mortgage Inc0.01%(3.5)1.07%
Guaranteed Rate0.02%(3.5)0.75%
First Citizens Bank0.03%(3.5)0.20%
PNC Bank0.03%(3.5)0.23%
CMG Financial0.04%(3.5)1.82%
Bank of America0.04%(3.5)0.10%
ALCOVA Mortgage0.04%(3.5)0.59%
Fairway Independent Mortgage Corporation0.05%(3.5)1.50%
PrimeLending0.05%(3.5)1.89%
OVM Financial0.05%(3.5)4.10%
New American Funding0.05%(3.5)0.49%
Acopia Home Loans0.05%(3.0)0.81%
Movement Mortgage0.06%(3.0)6.79%
Cardinal Financial Company0.08%(3.0)0.29%
Blue Ridge Bank0.11%(3.0)1.11%
Quicken Loans0.13%(3.0)4.29%
Barrington Bank & Trust0.14%(3.0)0.98%
North State Bank0.14%(3.0)0.91%
The Federal Savings Bank0.15%(3.0)1.24%
Atlantic Bay Mortgage Group0.15%(2.5)0.72%
Homespire Mortgage0.16%(2.5)1.72%
Union Home Mortgage0.19%(2.5)6.89%
Carrington Mortgage Services0.24%(2.5)3.61%
CityWorth Mortgage0.29%(2.0)0.65%
NewDay USA0.40%(1.5)1.33%
Mortgage Solutions Financial0.49%(1.0)1.98%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.35%(5.0)14.37%
Freedom Mortgage Corporation-0.11%(4.0)1.96%
First Horizon Bank-0.11%(4.0)0.85%
Certainty Home Loans-0.08%(4.0)3.70%
USAA-0.08%(4.0)14.28%
American Security Mortgage-0.07%(4.0)3.88%
Mr. Cooper-0.04%(3.5)3.30%
Wells Fargo Bank-0.03%(3.5)2.72%
Credit Union Mortgage Association-0.01%(3.5)0.36%
Southern Trust Mortgage-0.00%(3.5)6.34%
Truist Bank0.01%(3.5)0.31%
Plaza Home Mortgage0.02%(3.5)0.36%
PennyMac Loan Services0.03%(3.5)0.09%
GoPrime Mortgage Inc0.03%(3.5)1.16%
Guaranteed Rate0.04%(3.5)0.80%
PNC Bank0.05%(3.5)0.18%
The Federal Savings Bank0.05%(3.0)0.09%
CMG Financial0.05%(3.0)2.23%
First Citizens Bank0.05%(3.0)0.04%
Bank of America0.06%(3.0)0.09%
loanDepot0.06%(3.0)0.22%
PrimeLending0.06%(3.0)2.41%
New American Funding0.06%(3.0)0.31%
OVM Financial0.07%(3.0)5.31%
Acopia Home Loans0.07%(3.0)0.80%
ALCOVA Mortgage0.08%(3.0)0.54%
Fairway Independent Mortgage Corporation0.08%(3.0)1.56%
Movement Mortgage0.09%(3.0)8.30%
NewDay USA0.10%(3.0)0.22%
Blue Ridge Bank0.11%(3.0)0.85%
Quicken Loans0.11%(3.0)1.83%
Cardinal Financial Company0.13%(3.0)0.22%
Caliber Home Loans0.15%(3.0)1.07%
North State Bank0.16%(2.5)1.25%
Barrington Bank & Trust0.16%(2.5)1.25%
Atlantic Bay Mortgage Group0.17%(2.5)0.94%
Homespire Mortgage0.17%(2.5)2.32%
Union Home Mortgage0.21%(2.5)9.01%
CityWorth Mortgage0.32%(2.0)0.85%
Carrington Mortgage Services0.45%(1.5)1.47%
Mortgage Solutions Financial0.62%(1.0)2.14%
Lender NameRate DifferenceRate RatingMarket Share
USAA-0.16%(4.5)8.02%
Certainty Home Loans-0.15%(4.0)1.44%
Navy Federal Credit Union-0.15%(4.0)2.99%
Caliber Home Loans-0.14%(4.0)4.19%
Plaza Home Mortgage-0.13%(4.0)1.80%
Village Capital-0.13%(4.0)3.71%
Southern Trust Mortgage-0.13%(4.0)2.28%
loanDepot-0.10%(4.0)8.74%
PennyMac Loan Services-0.10%(4.0)8.14%
Lakeview Loan Servicing-0.06%(4.0)4.07%
OVM Financial-0.06%(4.0)0.84%
GoPrime Mortgage Inc-0.06%(4.0)0.84%
American Security Mortgage-0.05%(4.0)1.20%
Fairway Independent Mortgage Corporation-0.05%(3.5)1.32%
Movement Mortgage-0.04%(3.5)2.75%
ALCOVA Mortgage-0.04%(3.5)0.72%
Guaranteed Rate-0.04%(3.5)0.60%
First Bank NC and SC-0.03%(3.5)0.12%
CMG Financial-0.03%(3.5)0.72%
Credit Union Mortgage Association-0.02%(3.5)0.24%
First Citizens Bank-0.01%(3.5)0.60%
Homespire Mortgage-0.01%(3.5)0.12%
Barrington Bank & Trust-0.01%(3.5)0.24%
Bank of America-0.01%(3.5)0.12%
PNC Bank-0.01%(3.5)0.36%
Truist Bank0.00%(3.5)0.48%
Union Home Mortgage0.00%(3.5)1.20%
Cardinal Financial Company0.01%(3.5)0.48%
PrimeLending0.01%(3.5)0.48%
Acopia Home Loans0.01%(3.5)0.84%
New American Funding0.01%(3.5)0.96%
CityWorth Mortgage0.02%(3.5)0.12%
Atlantic Bay Mortgage Group0.02%(3.5)0.12%
Mortgage Solutions Financial0.03%(3.5)1.56%
Blue Ridge Bank0.09%(3.0)1.80%
Wells Fargo Bank0.10%(3.0)0.84%
Quicken Loans0.11%(3.0)10.90%
The Federal Savings Bank0.12%(3.0)4.31%
Carrington Mortgage Services0.12%(3.0)9.34%
Freedom Mortgage Corporation0.13%(3.0)4.19%
Mr. Cooper0.19%(2.5)1.92%
NewDay USA0.41%(1.5)4.31%

* Data is compiled for the Fayetteville, NC commuting zone area, which comprises of counties of Bladen County, NC, Columbus County, NC, Cumberland County, NC, Hoke County, NC, Robeson County, NC, and Scotland County, NC. This includes cities/towns/communities of Fayetteville, NC as well as Hope Mills, NC, Rockfish, NC, Lumberton, NC, Eastover, NC, Linden, NC, Laurinburg, NC, Stedman, NC, Raeford, NC, Whiteville, NC, Five Points, NC, Lake Waccamaw, NC, White Lake, NC, Wagram, NC, Spring Lake, NC, Laurel Hill, NC, Parkton, NC, Red Springs, NC, McDonald, NC, Elizabethtown, NC, Prospect, NC, Bladenboro, NC, Riegelwood, NC, Dundarrach, NC, Dublin, NC, Rennert, NC, Brunswick, NC, Tabor City, NC, St. Pauls, NC, Chadbourn, NC, Clarkton, NC, Hallsboro, NC, Pembroke, NC, Fairmont, NC, Fair Bluff, NC, White Oak, NC, Maxton, NC, Proctorville, NC, Evergreen, NC, Rowland, NC, Elrod, NC, Raemon, NC, Maxton, NC, and Bolton, 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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