Top Mortgage Lenders in St. Simons, GA

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, 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

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
Guaranty Home Mortgage Corporation-0.09%(4.0)4.85%
Capital City Home Loans-0.07%(4.0)7.95%
PennyMac Loan Services-0.06%(4.0)5.02%
Truist Bank-0.05%(3.5)2.68%
United Community Bank-0.03%(3.5)4.77%
Ameris Bank-0.02%(3.5)2.93%
Navy Federal Credit Union-0.02%(3.5)3.18%
Wells Fargo Bank-0.01%(3.5)4.02%
Guaranteed Rate0.01%(3.5)3.10%
HomeStar Financial0.01%(3.5)6.28%
Quicken Loans0.02%(3.5)34.64%
Stearns Home Loans0.03%(3.5)4.69%
Bay Equity Home Loans0.06%(3.0)4.02%
HomeBridge Financial Services0.07%(3.0)9.29%
Lender NameRate DifferenceRate RatingMarket Share
Guaranty Home Mortgage Corporation-0.10%(4.0)4.19%
Capital City Home Loans-0.06%(4.0)8.74%
PennyMac Loan Services-0.06%(4.0)5.03%
Truist Bank-0.06%(4.0)2.51%
United Community Bank-0.05%(3.5)4.91%
Navy Federal Credit Union-0.01%(3.5)4.19%
Ameris Bank-0.01%(3.5)2.04%
Quicken Loans-0.00%(3.5)27.07%
Wells Fargo Bank0.00%(3.5)4.55%
HomeStar Financial0.02%(3.5)8.26%
Guaranteed Rate0.02%(3.5)3.71%
Stearns Home Loans0.05%(3.5)5.27%
HomeBridge Financial Services0.08%(3.0)11.86%
Bay Equity Home Loans0.08%(3.0)4.67%
Lender NameRate DifferenceRate RatingMarket Share
Capital City Home Loans-0.09%(4.0)6.11%
Guaranty Home Mortgage Corporation-0.08%(4.0)6.39%
PennyMac Loan Services-0.05%(3.5)5.00%
Wells Fargo Bank-0.05%(3.5)2.78%
Truist Bank-0.04%(3.5)3.06%
Ameris Bank-0.04%(3.5)5.00%
Navy Federal Credit Union-0.03%(3.5)0.83%
Stearns Home Loans-0.03%(3.5)3.33%
Guaranteed Rate-0.03%(3.5)1.67%
HomeStar Financial-0.01%(3.5)1.67%
Bay Equity Home Loans-0.00%(3.5)2.50%
United Community Bank-0.00%(3.5)4.44%
HomeBridge Financial Services0.01%(3.5)3.33%
Quicken Loans0.04%(3.5)52.22%
Lender NameRate DifferenceRate RatingMarket Share
Capital City Home Loans-0.09%(4.0)10.49%
Guaranty Home Mortgage Corporation-0.07%(4.0)5.24%
Truist Bank-0.06%(4.0)3.32%
PennyMac Loan Services-0.06%(4.0)4.48%
United Community Bank-0.04%(3.5)5.75%
HomeStar Financial-0.03%(3.5)2.69%
Ameris Bank-0.03%(3.5)2.81%
Wells Fargo Bank-0.01%(3.5)4.73%
Guaranteed Rate0.00%(3.5)3.07%
Stearns Home Loans0.02%(3.5)3.20%
Quicken Loans0.03%(3.5)38.11%
Navy Federal Credit Union0.05%(3.0)2.81%
HomeBridge Financial Services0.05%(3.0)8.31%
Bay Equity Home Loans0.06%(3.0)3.96%
Lender NameRate DifferenceRate RatingMarket Share
Capital City Home Loans-0.08%(4.0)12.09%
Guaranty Home Mortgage Corporation-0.07%(4.0)3.90%
Truist Bank-0.06%(4.0)3.70%
PennyMac Loan Services-0.05%(4.0)5.26%
United Community Bank-0.05%(3.5)6.04%
HomeStar Financial-0.03%(3.5)3.31%
Ameris Bank-0.01%(3.5)1.75%
Quicken Loans0.01%(3.5)29.82%
Wells Fargo Bank0.01%(3.5)6.04%
Guaranteed Rate0.02%(3.5)3.90%
Stearns Home Loans0.05%(3.0)2.92%
HomeBridge Financial Services0.07%(3.0)11.50%
Navy Federal Credit Union0.08%(3.0)3.70%
Bay Equity Home Loans0.09%(3.0)4.68%
Lender NameRate DifferenceRate RatingMarket Share
Capital City Home Loans-0.11%(4.0)7.43%
Guaranty Home Mortgage Corporation-0.09%(4.0)7.81%
PennyMac Loan Services-0.06%(4.0)2.97%
Truist Bank-0.06%(4.0)2.60%
Wells Fargo Bank-0.06%(4.0)2.23%
Ameris Bank-0.05%(4.0)4.83%
Navy Federal Credit Union-0.04%(3.5)1.12%
Stearns Home Loans-0.04%(3.5)3.72%
Guaranteed Rate-0.04%(3.5)1.49%
HomeStar Financial-0.02%(3.5)1.49%
Bay Equity Home Loans-0.01%(3.5)2.60%
United Community Bank-0.01%(3.5)5.20%
HomeBridge Financial Services0.02%(3.5)2.23%
Quicken Loans0.05%(3.5)53.90%
Lender NameRate DifferenceRate RatingMarket Share
Guaranty Home Mortgage Corporation-0.16%(4.5)6.57%
PennyMac Loan Services-0.06%(4.0)5.63%
United Community Bank-0.04%(3.5)3.76%
Quicken Loans-0.03%(3.5)26.29%
Navy Federal Credit Union-0.02%(3.5)0.47%
Ameris Bank-0.02%(3.5)3.76%
Capital City Home Loans0.02%(3.5)4.23%
HomeStar Financial0.02%(3.5)19.72%
Stearns Home Loans0.03%(3.5)11.27%
Guaranteed Rate0.05%(3.0)2.35%
Bay Equity Home Loans0.06%(3.0)4.69%
HomeBridge Financial Services0.11%(3.0)11.27%
Lender NameRate DifferenceRate RatingMarket Share
Guaranty Home Mortgage Corporation-0.17%(4.5)7.34%
PennyMac Loan Services-0.10%(4.0)4.52%
United Community Bank-0.05%(3.5)4.52%
Quicken Loans-0.04%(3.5)17.51%
Navy Federal Credit Union-0.02%(3.5)0.56%
Ameris Bank-0.02%(3.5)3.39%
HomeStar Financial0.01%(3.5)23.16%
Capital City Home Loans0.01%(3.5)4.52%
Stearns Home Loans0.03%(3.5)12.99%
Guaranteed Rate0.05%(3.5)2.82%
Bay Equity Home Loans0.07%(3.0)5.08%
HomeBridge Financial Services0.11%(3.0)13.56%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.00%(3.5)69.44%
Guaranty Home Mortgage Corporation-0.00%(3.5)2.78%
Stearns Home Loans0.00%(3.5)2.78%
Capital City Home Loans0.01%(3.5)2.78%
Ameris Bank0.01%(3.5)5.56%
Bay Equity Home Loans0.01%(3.5)2.78%
PennyMac Loan Services0.01%(3.5)11.11%
HomeStar Financial0.01%(3.5)2.78%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.02%(3.5)32.14%
Ameris Bank0.00%(3.5)3.57%
Truist Bank0.00%(3.5)17.86%
Capital City Home Loans0.01%(3.5)3.57%
Navy Federal Credit Union0.01%(3.5)3.57%
Guaranty Home Mortgage Corporation0.01%(3.5)3.57%
Bay Equity Home Loans0.01%(3.5)3.57%
Guaranteed Rate0.01%(3.5)3.57%
United Community Bank0.01%(3.5)10.71%
Quicken Loans0.02%(3.5)17.86%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.02%(3.5)31.25%
United Community Bank0.00%(3.5)12.50%
Navy Federal Credit Union0.00%(3.5)6.25%
Bay Equity Home Loans0.00%(3.5)6.25%
Guaranteed Rate0.00%(3.5)6.25%
Truist Bank0.00%(3.5)12.50%
Quicken Loans0.02%(3.5)25.00%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.02%(3.5)33.33%
Truist Bank0.00%(3.5)25.00%
Quicken Loans0.01%(3.5)8.33%
Ameris Bank0.01%(3.5)8.33%
Capital City Home Loans0.01%(3.5)8.33%
Guaranty Home Mortgage Corporation0.01%(3.5)8.33%
United Community Bank0.02%(3.5)8.33%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.12%(4.0)8.14%
PennyMac Loan Services-0.04%(3.5)7.56%
Ameris Bank-0.01%(3.5)2.33%
United Community Bank-0.00%(3.5)0.58%
Guaranteed Rate-0.00%(3.5)4.07%
Quicken Loans0.00%(3.5)31.98%
Truist Bank0.00%(3.5)0.58%
Guaranty Home Mortgage Corporation0.01%(3.5)1.16%
Wells Fargo Bank0.01%(3.5)1.16%
Capital City Home Loans0.02%(3.5)1.74%
Stearns Home Loans0.03%(3.5)4.07%
HomeStar Financial0.04%(3.5)6.98%
Bay Equity Home Loans0.07%(3.0)3.49%
HomeBridge Financial Services0.07%(3.0)12.79%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.12%(4.0)10.85%
PennyMac Loan Services-0.05%(4.0)5.43%
Ameris Bank-0.01%(3.5)1.55%
Quicken Loans-0.01%(3.5)29.46%
Guaranteed Rate-0.00%(3.5)3.88%
Guaranty Home Mortgage Corporation0.01%(3.5)1.55%
Wells Fargo Bank0.02%(3.5)1.55%
Capital City Home Loans0.02%(3.5)2.33%
Stearns Home Loans0.04%(3.5)4.65%
HomeStar Financial0.05%(3.5)8.53%
Bay Equity Home Loans0.09%(3.0)3.88%
HomeBridge Financial Services0.09%(3.0)12.40%
Lender NameRate DifferenceRate RatingMarket Share
PennyMac Loan Services-0.04%(3.5)13.95%
Ameris Bank-0.01%(3.5)4.65%
United Community Bank-0.01%(3.5)2.33%
Truist Bank-0.01%(3.5)2.33%
Guaranteed Rate0.00%(3.5)4.65%
HomeStar Financial0.00%(3.5)2.33%
Stearns Home Loans0.01%(3.5)2.33%
Bay Equity Home Loans0.01%(3.5)2.33%
Quicken Loans0.02%(3.5)39.53%
HomeBridge Financial Services0.02%(3.5)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.

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