Which mortgage lender in the St. Simons, GA 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 St. Simons, GA 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 St. Simons, GA area in terms of interest rate is Guaranty Home Mortgage Corporation, with an average “Rate Difference” of -0.09%. This means that, comparing similar borrowers, Guaranty Home Mortgage Corporation provided a -0.09% lower interest rate for its customers than other lenders in the area. Guaranty Home Mortgage Corporation has a market share of 4.9%. On the other hand, the most popular lender in the St. Simons, GA area is Quicken Loans, with a larger market share of 34.6%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.02% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the St. Simons, GA 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 St. Simons, GA is Capital City Home Loans. 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 Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Guaranty Home Mortgage 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 St. Simons, GA
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guaranty Home Mortgage Corporation | -0.09% | 4.85% | |
| Capital City Home Loans | -0.07% | 7.95% | |
| PennyMac Loan Services | -0.06% | 5.02% | |
| Truist Bank | -0.05% | 2.68% | |
| United Community Bank | -0.03% | 4.77% | |
| USAA | -0.03% | 2.59% | |
| Ameris Bank | -0.02% | 2.93% | |
| Navy Federal Credit Union | -0.02% | 3.18% | |
| Wells Fargo Bank | -0.01% | 4.02% | |
| Guaranteed Rate | 0.01% | 3.10% | |
| HomeStar Financial | 0.01% | 6.28% | |
| Quicken Loans | 0.02% | 34.64% | |
| Stearns Home Loans | 0.03% | 4.69% | |
| Bay Equity Home Loans | 0.06% | 4.02% | |
| HomeBridge Financial Services | 0.07% | 9.29% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guaranty Home Mortgage Corporation | -0.10% | 4.19% | |
| Capital City Home Loans | -0.06% | 8.74% | |
| PennyMac Loan Services | -0.06% | 5.03% | |
| Truist Bank | -0.06% | 2.51% | |
| United Community Bank | -0.05% | 4.91% | |
| USAA | -0.03% | 2.99% | |
| Navy Federal Credit Union | -0.01% | 4.19% | |
| Ameris Bank | -0.01% | 2.04% | |
| Quicken Loans | -0.00% | 27.07% | |
| Wells Fargo Bank | 0.00% | 4.55% | |
| HomeStar Financial | 0.02% | 8.26% | |
| Guaranteed Rate | 0.02% | 3.71% | |
| Stearns Home Loans | 0.05% | 5.27% | |
| HomeBridge Financial Services | 0.08% | 11.86% | |
| Bay Equity Home Loans | 0.08% | 4.67% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Capital City Home Loans | -0.09% | 6.11% | |
| Guaranty Home Mortgage Corporation | -0.08% | 6.39% | |
| PennyMac Loan Services | -0.05% | 5.00% | |
| Wells Fargo Bank | -0.05% | 2.78% | |
| USAA | -0.04% | 1.67% | |
| Truist Bank | -0.04% | 3.06% | |
| Ameris Bank | -0.04% | 5.00% | |
| Navy Federal Credit Union | -0.03% | 0.83% | |
| Stearns Home Loans | -0.03% | 3.33% | |
| Guaranteed Rate | -0.03% | 1.67% | |
| HomeStar Financial | -0.01% | 1.67% | |
| Bay Equity Home Loans | -0.00% | 2.50% | |
| United Community Bank | -0.00% | 4.44% | |
| HomeBridge Financial Services | 0.01% | 3.33% | |
| Quicken Loans | 0.04% | 52.22% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Capital City Home Loans | -0.09% | 10.49% | |
| Guaranty Home Mortgage Corporation | -0.07% | 5.24% | |
| Truist Bank | -0.06% | 3.32% | |
| PennyMac Loan Services | -0.06% | 4.48% | |
| United Community Bank | -0.04% | 5.75% | |
| HomeStar Financial | -0.03% | 2.69% | |
| Ameris Bank | -0.03% | 2.81% | |
| Wells Fargo Bank | -0.01% | 4.73% | |
| Guaranteed Rate | 0.00% | 3.07% | |
| USAA | 0.01% | 1.02% | |
| Stearns Home Loans | 0.02% | 3.20% | |
| Quicken Loans | 0.03% | 38.11% | |
| Navy Federal Credit Union | 0.05% | 2.81% | |
| HomeBridge Financial Services | 0.05% | 8.31% | |
| Bay Equity Home Loans | 0.06% | 3.96% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Capital City Home Loans | -0.08% | 12.09% | |
| Guaranty Home Mortgage Corporation | -0.07% | 3.90% | |
| Truist Bank | -0.06% | 3.70% | |
| PennyMac Loan Services | -0.05% | 5.26% | |
| United Community Bank | -0.05% | 6.04% | |
| HomeStar Financial | -0.03% | 3.31% | |
| Ameris Bank | -0.01% | 1.75% | |
| Quicken Loans | 0.01% | 29.82% | |
| Wells Fargo Bank | 0.01% | 6.04% | |
| Guaranteed Rate | 0.02% | 3.90% | |
| USAA | 0.02% | 1.36% | |
| Stearns Home Loans | 0.05% | 2.92% | |
| HomeBridge Financial Services | 0.07% | 11.50% | |
| Navy Federal Credit Union | 0.08% | 3.70% | |
| Bay Equity Home Loans | 0.09% | 4.68% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Capital City Home Loans | -0.11% | 7.43% | |
| Guaranty Home Mortgage Corporation | -0.09% | 7.81% | |
| PennyMac Loan Services | -0.06% | 2.97% | |
| Truist Bank | -0.06% | 2.60% | |
| Wells Fargo Bank | -0.06% | 2.23% | |
| Ameris Bank | -0.05% | 4.83% | |
| Navy Federal Credit Union | -0.04% | 1.12% | |
| Stearns Home Loans | -0.04% | 3.72% | |
| Guaranteed Rate | -0.04% | 1.49% | |
| USAA | -0.03% | 0.37% | |
| HomeStar Financial | -0.02% | 1.49% | |
| Bay Equity Home Loans | -0.01% | 2.60% | |
| United Community Bank | -0.01% | 5.20% | |
| HomeBridge Financial Services | 0.02% | 2.23% | |
| Quicken Loans | 0.05% | 53.90% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guaranty Home Mortgage Corporation | -0.16% | 6.57% | |
| PennyMac Loan Services | -0.06% | 5.63% | |
| United Community Bank | -0.04% | 3.76% | |
| Quicken Loans | -0.03% | 26.29% | |
| Navy Federal Credit Union | -0.02% | 0.47% | |
| Ameris Bank | -0.02% | 3.76% | |
| Capital City Home Loans | 0.02% | 4.23% | |
| HomeStar Financial | 0.02% | 19.72% | |
| Stearns Home Loans | 0.03% | 11.27% | |
| Guaranteed Rate | 0.05% | 2.35% | |
| Bay Equity Home Loans | 0.06% | 4.69% | |
| HomeBridge Financial Services | 0.11% | 11.27% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guaranty Home Mortgage Corporation | -0.17% | 7.34% | |
| PennyMac Loan Services | -0.10% | 4.52% | |
| United Community Bank | -0.05% | 4.52% | |
| Quicken Loans | -0.04% | 17.51% | |
| Navy Federal Credit Union | -0.02% | 0.56% | |
| Ameris Bank | -0.02% | 3.39% | |
| HomeStar Financial | 0.01% | 23.16% | |
| Capital City Home Loans | 0.01% | 4.52% | |
| Stearns Home Loans | 0.03% | 12.99% | |
| Guaranteed Rate | 0.05% | 2.82% | |
| Bay Equity Home Loans | 0.07% | 5.08% | |
| HomeBridge Financial Services | 0.11% | 13.56% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.00% | 69.44% | |
| Guaranty Home Mortgage Corporation | -0.00% | 2.78% | |
| Stearns Home Loans | 0.00% | 2.78% | |
| Capital City Home Loans | 0.01% | 2.78% | |
| Ameris Bank | 0.01% | 5.56% | |
| Bay Equity Home Loans | 0.01% | 2.78% | |
| PennyMac Loan Services | 0.01% | 11.11% | |
| HomeStar Financial | 0.01% | 2.78% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.02% | 32.14% | |
| Ameris Bank | 0.00% | 3.57% | |
| Truist Bank | 0.00% | 17.86% | |
| Capital City Home Loans | 0.01% | 3.57% | |
| Navy Federal Credit Union | 0.01% | 3.57% | |
| Guaranty Home Mortgage Corporation | 0.01% | 3.57% | |
| Bay Equity Home Loans | 0.01% | 3.57% | |
| Guaranteed Rate | 0.01% | 3.57% | |
| United Community Bank | 0.01% | 10.71% | |
| Quicken Loans | 0.02% | 17.86% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.02% | 31.25% | |
| United Community Bank | 0.00% | 12.50% | |
| Navy Federal Credit Union | 0.00% | 6.25% | |
| Bay Equity Home Loans | 0.00% | 6.25% | |
| Guaranteed Rate | 0.00% | 6.25% | |
| Truist Bank | 0.00% | 12.50% | |
| Quicken Loans | 0.02% | 25.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.02% | 33.33% | |
| Truist Bank | 0.00% | 25.00% | |
| Quicken Loans | 0.01% | 8.33% | |
| Ameris Bank | 0.01% | 8.33% | |
| Capital City Home Loans | 0.01% | 8.33% | |
| Guaranty Home Mortgage Corporation | 0.01% | 8.33% | |
| United Community Bank | 0.02% | 8.33% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.12% | 8.14% | |
| PennyMac Loan Services | -0.04% | 7.56% | |
| USAA | -0.03% | 13.37% | |
| Ameris Bank | -0.01% | 2.33% | |
| United Community Bank | -0.00% | 0.58% | |
| Guaranteed Rate | -0.00% | 4.07% | |
| Quicken Loans | 0.00% | 31.98% | |
| Truist Bank | 0.00% | 0.58% | |
| Guaranty Home Mortgage Corporation | 0.01% | 1.16% | |
| Wells Fargo Bank | 0.01% | 1.16% | |
| Capital City Home Loans | 0.02% | 1.74% | |
| Stearns Home Loans | 0.03% | 4.07% | |
| HomeStar Financial | 0.04% | 6.98% | |
| Bay Equity Home Loans | 0.07% | 3.49% | |
| HomeBridge Financial Services | 0.07% | 12.79% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.12% | 10.85% | |
| PennyMac Loan Services | -0.05% | 5.43% | |
| USAA | -0.03% | 13.95% | |
| Ameris Bank | -0.01% | 1.55% | |
| Quicken Loans | -0.01% | 29.46% | |
| Guaranteed Rate | -0.00% | 3.88% | |
| Guaranty Home Mortgage Corporation | 0.01% | 1.55% | |
| Wells Fargo Bank | 0.02% | 1.55% | |
| Capital City Home Loans | 0.02% | 2.33% | |
| Stearns Home Loans | 0.04% | 4.65% | |
| HomeStar Financial | 0.05% | 8.53% | |
| Bay Equity Home Loans | 0.09% | 3.88% | |
| HomeBridge Financial Services | 0.09% | 12.40% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| PennyMac Loan Services | -0.04% | 13.95% | |
| USAA | -0.03% | 11.63% | |
| Ameris Bank | -0.01% | 4.65% | |
| United Community Bank | -0.01% | 2.33% | |
| Truist Bank | -0.01% | 2.33% | |
| Guaranteed Rate | 0.00% | 4.65% | |
| HomeStar Financial | 0.00% | 2.33% | |
| Stearns Home Loans | 0.01% | 2.33% | |
| Bay Equity Home Loans | 0.01% | 2.33% | |
| Quicken Loans | 0.02% | 39.53% | |
| HomeBridge Financial Services | 0.02% | 13.95% |
* Data is compiled for the St. Simons, GA commuting zone area, which comprises of counties of Brantley County, GA, Glynn County, GA, and McIntosh County, GA. This includes cities/towns/communities of St. Simons, GA as well as Dock Junction, GA, Country Club Estates, GA, Darien, GA, Brunswick, GA, Hoboken, GA, and Nahunta, GA. 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
This page contains information about the top mortgage lenders in the St. Simons, GA area. For mortgage lender rankings in other cities, click here.