Top Mortgage Lenders in Jacksonville, NC

Which mortgage lender in the Jacksonville, 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 Jacksonville, 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 Jacksonville, NC area in terms of interest rate is Caliber Home Loans, with an average “Rate Difference” of -0.19%. This means that, comparing similar borrowers, Caliber Home Loans provided a -0.19% lower interest rate for its customers than other lenders in the area. Caliber Home Loans has a market share of 2.0%. On the other hand, the most popular lender in the Jacksonville, NC area is Navy Federal Credit Union, with a larger market share of 20.5%. Navy Federal Credit Union is also a relatively cheap lender, with a “Rate Difference” of -0.13% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Jacksonville, 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 Jacksonville, NC is On Q Financial. 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 Truist Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is PNC 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 Jacksonville, NC

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.19%(4.5)1.97%
Navy Federal Credit Union-0.13%(4.0)20.50%
Corporate Investors Mortgage Group-0.12%(4.0)1.47%
Freedom Mortgage Corporation-0.12%(4.0)2.29%
PNC Bank-0.09%(4.0)1.09%
Wells Fargo Bank-0.07%(4.0)2.68%
On Q Financial-0.07%(4.0)1.28%
Bank of America-0.07%(4.0)0.87%
DHI Mortgage Company Limited-0.06%(4.0)1.12%
Guaranteed Rate-0.04%(3.5)5.20%
Truist Bank-0.04%(3.5)3.72%
PennyMac Loan Services-0.04%(3.5)1.36%
JPMorgan Chase Bank-0.03%(3.5)0.47%
First Citizens Bank-0.03%(3.5)2.61%
Lakeview Loan Servicing-0.03%(3.5)0.63%
Home Point Financial Corporation-0.02%(3.5)0.85%
Plaza Home Mortgage-0.01%(3.5)3.66%
SunTrust Bank-0.01%(3.5)0.45%
American Security Mortgage-0.00%(3.5)3.24%
Stearns Home Loans0.01%(3.5)1.66%
West Town Bank & Trust0.02%(3.5)0.74%
Equity Resources0.02%(3.5)0.63%
State Employees’ Credit Union0.02%(3.5)2.43%
Atlantic Bay Mortgage Group0.04%(3.5)5.85%
Angel Oak Home Loans0.08%(3.0)0.45%
Residential Mortgage Services0.08%(3.0)5.17%
Union Home Mortgage0.11%(3.0)1.33%
Quicken Loans0.14%(3.0)6.68%
The Federal Savings Bank0.14%(3.0)0.50%
Mr. Cooper0.15%(2.5)0.80%
AnnieMac Home Mortgage0.16%(2.5)0.79%
Movement Mortgage0.18%(2.5)9.74%
Carrington Mortgage Services0.33%(2.0)1.65%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.22%(4.5)2.01%
Freedom Mortgage Corporation-0.17%(4.5)2.25%
Navy Federal Credit Union-0.13%(4.0)23.73%
Corporate Investors Mortgage Group-0.12%(4.0)1.44%
Wells Fargo Bank-0.11%(4.0)2.63%
PNC Bank-0.10%(4.0)1.12%
Bank of America-0.10%(4.0)0.74%
On Q Financial-0.08%(4.0)1.44%
Truist Bank-0.07%(4.0)3.35%
JPMorgan Chase Bank-0.06%(4.0)0.31%
DHI Mortgage Company Limited-0.05%(4.0)1.42%
Guaranteed Rate-0.04%(3.5)5.66%
First Citizens Bank-0.03%(3.5)2.19%
PennyMac Loan Services-0.02%(3.5)0.42%
SunTrust Bank-0.01%(3.5)0.39%
Home Point Financial Corporation-0.01%(3.5)0.68%
American Security Mortgage0.01%(3.5)3.50%
Plaza Home Mortgage0.01%(3.5)4.15%
Stearns Home Loans0.01%(3.5)1.99%
Lakeview Loan Servicing0.02%(3.5)0.13%
West Town Bank & Trust0.02%(3.5)0.48%
Equity Resources0.03%(3.5)0.57%
The Federal Savings Bank0.03%(3.5)0.06%
Atlantic Bay Mortgage Group0.05%(3.0)6.89%
State Employees’ Credit Union0.08%(3.0)1.40%
Residential Mortgage Services0.09%(3.0)6.45%
Angel Oak Home Loans0.09%(3.0)0.48%
Union Home Mortgage0.13%(3.0)1.42%
Quicken Loans0.14%(3.0)3.63%
Mr. Cooper0.18%(2.5)0.64%
AnnieMac Home Mortgage0.19%(2.5)0.87%
Movement Mortgage0.20%(2.5)10.93%
Carrington Mortgage Services0.52%(1.0)1.14%
Lender NameRate DifferenceRate RatingMarket Share
Plaza Home Mortgage-0.18%(4.5)1.81%
Navy Federal Credit Union-0.12%(4.0)8.23%
Corporate Investors Mortgage Group-0.12%(4.0)1.61%
Atlantic Bay Mortgage Group-0.07%(4.0)1.88%
American Security Mortgage-0.06%(4.0)2.23%
PennyMac Loan Services-0.06%(4.0)4.88%
Guaranteed Rate-0.05%(4.0)3.49%
Lakeview Loan Servicing-0.05%(3.5)2.51%
Home Point Financial Corporation-0.04%(3.5)1.47%
Union Home Mortgage-0.04%(3.5)0.98%
Caliber Home Loans-0.04%(3.5)1.81%
First Citizens Bank-0.04%(3.5)4.19%
State Employees’ Credit Union-0.03%(3.5)6.35%
Bank of America-0.02%(3.5)1.40%
JPMorgan Chase Bank-0.02%(3.5)1.05%
Movement Mortgage-0.01%(3.5)5.23%
Stearns Home Loans-0.01%(3.5)0.42%
PNC Bank-0.00%(3.5)0.98%
On Q Financial0.00%(3.5)0.70%
Equity Resources0.00%(3.5)0.84%
SunTrust Bank0.00%(3.5)0.70%
Residential Mortgage Services0.00%(3.5)0.35%
West Town Bank & Trust0.01%(3.5)1.74%
Angel Oak Home Loans0.01%(3.5)0.35%
Truist Bank0.01%(3.5)5.09%
AnnieMac Home Mortgage0.02%(3.5)0.49%
Wells Fargo Bank0.05%(3.5)2.86%
Freedom Mortgage Corporation0.09%(3.0)2.44%
Carrington Mortgage Services0.10%(3.0)3.56%
Mr. Cooper0.10%(3.0)1.40%
Quicken Loans0.12%(3.0)18.21%
The Federal Savings Bank0.14%(3.0)2.16%
Lender NameRate DifferenceRate RatingMarket Share
On Q Financial-0.18%(4.5)2.20%
Corporate Investors Mortgage Group-0.17%(4.5)3.28%
DHI Mortgage Company Limited-0.12%(4.0)1.24%
PNC Bank-0.12%(4.0)2.01%
Wells Fargo Bank-0.11%(4.0)6.11%
Bank of America-0.10%(4.0)2.20%
Residential Mortgage Services-0.08%(4.0)1.55%
Truist Bank-0.08%(4.0)8.35%
First Citizens Bank-0.07%(4.0)5.91%
Guaranteed Rate-0.07%(4.0)5.53%
JPMorgan Chase Bank-0.07%(4.0)1.16%
Plaza Home Mortgage-0.06%(4.0)0.62%
SunTrust Bank-0.04%(3.5)0.85%
Union Home Mortgage-0.04%(3.5)1.43%
Atlantic Bay Mortgage Group-0.03%(3.5)7.53%
Caliber Home Loans-0.03%(3.5)0.54%
Home Point Financial Corporation-0.03%(3.5)1.16%
PennyMac Loan Services-0.02%(3.5)0.31%
Equity Resources-0.02%(3.5)0.93%
West Town Bank & Trust-0.01%(3.5)1.24%
Lakeview Loan Servicing-0.01%(3.5)0.23%
American Security Mortgage-0.01%(3.5)2.90%
The Federal Savings Bank-0.00%(3.5)0.04%
State Employees’ Credit Union-0.00%(3.5)6.45%
Stearns Home Loans-0.00%(3.5)1.16%
Carrington Mortgage Services0.01%(3.5)0.15%
Freedom Mortgage Corporation0.01%(3.5)0.81%
Angel Oak Home Loans0.06%(3.0)0.73%
Mr. Cooper0.07%(3.0)0.39%
Movement Mortgage0.09%(3.0)8.04%
AnnieMac Home Mortgage0.14%(3.0)0.73%
Quicken Loans0.14%(3.0)9.54%
Navy Federal Credit Union0.20%(2.5)11.36%
Lender NameRate DifferenceRate RatingMarket Share
On Q Financial-0.21%(4.5)2.63%
Corporate Investors Mortgage Group-0.18%(4.5)3.38%
Wells Fargo Bank-0.16%(4.5)6.43%
PNC Bank-0.14%(4.0)2.31%
Bank of America-0.13%(4.0)1.98%
DHI Mortgage Company Limited-0.12%(4.0)1.72%
Truist Bank-0.11%(4.0)8.31%
JPMorgan Chase Bank-0.09%(4.0)0.86%
Residential Mortgage Services-0.08%(4.0)1.98%
First Citizens Bank-0.08%(4.0)5.25%
Guaranteed Rate-0.07%(4.0)6.43%
Plaza Home Mortgage-0.07%(4.0)0.75%
SunTrust Bank-0.05%(3.5)0.86%
Caliber Home Loans-0.03%(3.5)0.38%
Home Point Financial Corporation-0.03%(3.5)1.18%
PennyMac Loan Services-0.03%(3.5)0.16%
Atlantic Bay Mortgage Group-0.02%(3.5)9.06%
Union Home Mortgage-0.02%(3.5)1.45%
Equity Resources-0.01%(3.5)0.91%
Lakeview Loan Servicing-0.01%(3.5)0.32%
Mr. Cooper-0.01%(3.5)0.21%
West Town Bank & Trust-0.00%(3.5)0.59%
American Security Mortgage-0.00%(3.5)3.43%
Stearns Home Loans-0.00%(3.5)1.61%
Carrington Mortgage Services0.01%(3.5)0.16%
Freedom Mortgage Corporation0.03%(3.5)0.48%
State Employees’ Credit Union0.06%(3.0)4.08%
Angel Oak Home Loans0.08%(3.0)0.80%
Movement Mortgage0.11%(3.0)9.54%
Quicken Loans0.13%(3.0)5.47%
AnnieMac Home Mortgage0.15%(3.0)0.97%
Navy Federal Credit Union0.25%(2.0)13.35%
Lender NameRate DifferenceRate RatingMarket Share
Corporate Investors Mortgage Group-0.14%(4.0)3.04%
Union Home Mortgage-0.10%(4.0)1.38%
Atlantic Bay Mortgage Group-0.10%(4.0)3.60%
Navy Federal Credit Union-0.07%(4.0)6.22%
First Citizens Bank-0.06%(4.0)7.61%
State Employees’ Credit Union-0.05%(4.0)12.59%
Guaranteed Rate-0.04%(3.5)3.18%
Bank of America-0.04%(3.5)2.77%
JPMorgan Chase Bank-0.04%(3.5)1.94%
Residential Mortgage Services-0.03%(3.5)0.41%
SunTrust Bank-0.03%(3.5)0.83%
Caliber Home Loans-0.03%(3.5)0.97%
On Q Financial-0.03%(3.5)1.11%
Equity Resources-0.02%(3.5)0.97%
PNC Bank-0.02%(3.5)1.24%
PennyMac Loan Services-0.02%(3.5)0.69%
West Town Bank & Trust-0.02%(3.5)2.90%
American Security Mortgage-0.01%(3.5)1.52%
Carrington Mortgage Services-0.01%(3.5)0.14%
AnnieMac Home Mortgage-0.01%(3.5)0.14%
Home Point Financial Corporation-0.01%(3.5)1.11%
Angel Oak Home Loans-0.01%(3.5)0.55%
The Federal Savings Bank-0.01%(3.5)0.14%
Truist Bank0.00%(3.5)8.44%
Freedom Mortgage Corporation0.00%(3.5)1.66%
Plaza Home Mortgage0.00%(3.5)0.28%
Movement Mortgage0.03%(3.5)4.15%
Wells Fargo Bank0.03%(3.5)5.26%
Mr. Cooper0.11%(3.0)0.83%
Quicken Loans0.14%(3.0)20.06%
Lender NameRate DifferenceRate RatingMarket Share
PNC Bank-0.16%(4.5)1.99%
Caliber Home Loans-0.12%(4.0)2.76%
Navy Federal Credit Union-0.11%(4.0)3.06%
American Security Mortgage-0.08%(4.0)6.74%
Atlantic Bay Mortgage Group-0.05%(4.0)9.65%
Freedom Mortgage Corporation-0.04%(3.5)1.53%
Plaza Home Mortgage-0.04%(3.5)1.68%
Home Point Financial Corporation-0.03%(3.5)0.92%
Stearns Home Loans-0.03%(3.5)2.60%
Guaranteed Rate-0.02%(3.5)9.19%
Quicken Loans-0.02%(3.5)15.47%
West Town Bank & Trust-0.01%(3.5)0.92%
Corporate Investors Mortgage Group-0.01%(3.5)0.46%
PennyMac Loan Services-0.01%(3.5)1.53%
Truist Bank-0.00%(3.5)0.15%
DHI Mortgage Company Limited-0.00%(3.5)1.84%
SunTrust Bank-0.00%(3.5)0.31%
Wells Fargo Bank0.01%(3.5)0.15%
Bank of America0.01%(3.5)0.46%
Residential Mortgage Services0.01%(3.5)3.06%
Lakeview Loan Servicing0.02%(3.5)1.23%
Equity Resources0.02%(3.5)0.46%
The Federal Savings Bank0.03%(3.5)0.46%
On Q Financial0.03%(3.5)3.22%
Mr. Cooper0.04%(3.5)2.45%
Carrington Mortgage Services0.05%(3.0)1.99%
First Citizens Bank0.05%(3.0)1.99%
Movement Mortgage0.08%(3.0)15.93%
Angel Oak Home Loans0.09%(3.0)0.92%
Union Home Mortgage0.11%(3.0)2.91%
AnnieMac Home Mortgage0.25%(2.5)2.30%
Lender NameRate DifferenceRate RatingMarket Share
PNC Bank-0.16%(4.5)2.40%
Caliber Home Loans-0.15%(4.5)2.77%
Navy Federal Credit Union-0.12%(4.0)3.51%
American Security Mortgage-0.08%(4.0)7.56%
Atlantic Bay Mortgage Group-0.05%(4.0)11.62%
Freedom Mortgage Corporation-0.05%(3.5)1.48%
Home Point Financial Corporation-0.04%(3.5)0.92%
Plaza Home Mortgage-0.04%(3.5)2.03%
Stearns Home Loans-0.03%(3.5)3.14%
Guaranteed Rate-0.03%(3.5)10.15%
West Town Bank & Trust-0.02%(3.5)0.92%
PennyMac Loan Services-0.02%(3.5)0.55%
Corporate Investors Mortgage Group-0.01%(3.5)0.55%
Quicken Loans-0.00%(3.5)9.04%
Truist Bank-0.00%(3.5)0.18%
DHI Mortgage Company Limited-0.00%(3.5)2.21%
SunTrust Bank-0.00%(3.5)0.37%
Wells Fargo Bank0.01%(3.5)0.18%
Bank of America0.01%(3.5)0.55%
Lakeview Loan Servicing0.01%(3.5)0.18%
Carrington Mortgage Services0.01%(3.5)0.92%
Residential Mortgage Services0.01%(3.5)3.69%
Equity Resources0.02%(3.5)0.55%
The Federal Savings Bank0.03%(3.5)0.37%
On Q Financial0.03%(3.5)3.51%
Mr. Cooper0.04%(3.5)1.66%
First Citizens Bank0.06%(3.0)2.21%
Movement Mortgage0.08%(3.0)18.45%
Angel Oak Home Loans0.09%(3.0)1.11%
Union Home Mortgage0.11%(3.0)3.51%
AnnieMac Home Mortgage0.26%(2.0)2.58%
Lender NameRate DifferenceRate RatingMarket Share
Movement Mortgage-0.03%(3.5)3.60%
Quicken Loans-0.03%(3.5)46.85%
American Security Mortgage-0.01%(3.5)2.70%
Guaranteed Rate-0.01%(3.5)4.50%
PennyMac Loan Services-0.00%(3.5)6.31%
Freedom Mortgage Corporation-0.00%(3.5)1.80%
First Citizens Bank0.00%(3.5)0.90%
Navy Federal Credit Union0.01%(3.5)0.90%
West Town Bank & Trust0.02%(3.5)0.90%
Lakeview Loan Servicing0.02%(3.5)6.31%
Home Point Financial Corporation0.02%(3.5)0.90%
The Federal Savings Bank0.02%(3.5)0.90%
AnnieMac Home Mortgage0.03%(3.5)0.90%
On Q Financial0.03%(3.5)1.80%
Caliber Home Loans0.03%(3.5)2.70%
Mr. Cooper0.05%(3.5)6.31%
Carrington Mortgage Services0.08%(3.0)7.21%
Lender NameRate DifferenceRate RatingMarket Share
Truist Bank-0.03%(3.5)36.99%
Wells Fargo Bank-0.01%(3.5)10.96%
Corporate Investors Mortgage Group0.00%(3.5)5.48%
SunTrust Bank0.01%(3.5)4.11%
PNC Bank0.01%(3.5)4.11%
First Citizens Bank0.02%(3.5)12.33%
Home Point Financial Corporation0.03%(3.5)1.37%
JPMorgan Chase Bank0.03%(3.5)2.74%
Movement Mortgage0.03%(3.5)1.37%
Stearns Home Loans0.03%(3.5)2.74%
Equity Resources0.04%(3.5)1.37%
Guaranteed Rate0.04%(3.5)4.11%
Navy Federal Credit Union0.04%(3.5)4.11%
Quicken Loans0.04%(3.5)2.74%
Angel Oak Home Loans0.05%(3.0)1.37%
Atlantic Bay Mortgage Group0.05%(3.0)4.11%
Lender NameRate DifferenceRate RatingMarket Share
Truist Bank-0.03%(3.5)35.42%
Wells Fargo Bank-0.03%(3.5)12.50%
Corporate Investors Mortgage Group-0.00%(3.5)6.25%
First Citizens Bank0.00%(3.5)10.42%
SunTrust Bank0.00%(3.5)4.17%
JPMorgan Chase Bank0.02%(3.5)2.08%
PNC Bank0.02%(3.5)2.08%
Movement Mortgage0.03%(3.5)2.08%
Equity Resources0.04%(3.5)2.08%
Guaranteed Rate0.04%(3.5)6.25%
Stearns Home Loans0.04%(3.5)2.08%
Quicken Loans0.05%(3.5)2.08%
Navy Federal Credit Union0.05%(3.5)4.17%
Angel Oak Home Loans0.05%(3.0)2.08%
Atlantic Bay Mortgage Group0.05%(3.0)6.25%
Lender NameRate DifferenceRate RatingMarket Share
Truist Bank-0.04%(3.5)40.00%
PNC Bank0.00%(3.5)8.00%
SunTrust Bank0.01%(3.5)4.00%
Corporate Investors Mortgage Group0.02%(3.5)4.00%
Navy Federal Credit Union0.02%(3.5)4.00%
Home Point Financial Corporation0.02%(3.5)4.00%
Stearns Home Loans0.03%(3.5)4.00%
Wells Fargo Bank0.03%(3.5)8.00%
JPMorgan Chase Bank0.03%(3.5)4.00%
First Citizens Bank0.03%(3.5)16.00%
Quicken Loans0.03%(3.5)4.00%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.21%(4.5)30.71%
Caliber Home Loans-0.20%(4.5)2.90%
Freedom Mortgage Corporation-0.13%(4.0)3.55%
Guaranteed Rate-0.04%(3.5)4.26%
Home Point Financial Corporation-0.04%(3.5)0.59%
PennyMac Loan Services-0.03%(3.5)2.12%
Lakeview Loan Servicing-0.03%(3.5)0.82%
DHI Mortgage Company Limited-0.03%(3.5)0.93%
Corporate Investors Mortgage Group0.01%(3.5)0.25%
Plaza Home Mortgage0.01%(3.5)6.32%
American Security Mortgage0.03%(3.5)2.90%
Stearns Home Loans0.04%(3.5)1.83%
Truist Bank0.04%(3.5)0.31%
PNC Bank0.04%(3.5)0.20%
First Citizens Bank0.04%(3.5)0.11%
Angel Oak Home Loans0.05%(3.0)0.14%
SunTrust Bank0.05%(3.0)0.11%
Equity Resources0.06%(3.0)0.42%
West Town Bank & Trust0.06%(3.0)0.37%
Wells Fargo Bank0.06%(3.0)0.48%
AnnieMac Home Mortgage0.12%(3.0)0.56%
Residential Mortgage Services0.13%(3.0)8.32%
Atlantic Bay Mortgage Group0.17%(2.5)3.95%
The Federal Savings Bank0.18%(2.5)0.85%
On Q Financial0.18%(2.5)0.28%
Quicken Loans0.23%(2.5)3.05%
Union Home Mortgage0.24%(2.5)0.99%
Mr. Cooper0.25%(2.5)0.82%
Movement Mortgage0.26%(2.0)10.01%
Carrington Mortgage Services0.40%(1.5)2.71%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.23%(4.5)2.93%
Navy Federal Credit Union-0.21%(4.5)34.25%
Freedom Mortgage Corporation-0.18%(4.5)3.53%
Guaranteed Rate-0.04%(3.5)4.34%
DHI Mortgage Company Limited-0.02%(3.5)1.11%
PennyMac Loan Services-0.00%(3.5)0.57%
Home Point Financial Corporation-0.00%(3.5)0.34%
Corporate Investors Mortgage Group0.01%(3.5)0.30%
SunTrust Bank0.03%(3.5)0.03%
Plaza Home Mortgage0.04%(3.5)6.73%
Truist Bank0.04%(3.5)0.30%
PNC Bank0.04%(3.5)0.13%
Stearns Home Loans0.04%(3.5)2.02%
The Federal Savings Bank0.04%(3.5)0.03%
First Citizens Bank0.04%(3.5)0.13%
American Security Mortgage0.05%(3.5)2.86%
Angel Oak Home Loans0.05%(3.0)0.13%
West Town Bank & Trust0.06%(3.0)0.34%
Equity Resources0.07%(3.0)0.34%
Wells Fargo Bank0.07%(3.0)0.54%
Residential Mortgage Services0.13%(3.0)9.86%
AnnieMac Home Mortgage0.14%(3.0)0.50%
Atlantic Bay Mortgage Group0.17%(2.5)4.68%
On Q Financial0.18%(2.5)0.34%
Union Home Mortgage0.27%(2.0)1.04%
Mr. Cooper0.28%(2.0)0.74%
Quicken Loans0.28%(2.0)1.51%
Movement Mortgage0.30%(2.0)10.57%
Carrington Mortgage Services0.61%(1.0)1.82%
Lender NameRate DifferenceRate RatingMarket Share
Plaza Home Mortgage-0.18%(4.5)4.18%
Navy Federal Credit Union-0.15%(4.5)12.37%
American Security Mortgage-0.08%(4.0)3.14%
Home Point Financial Corporation-0.07%(4.0)1.92%
Guaranteed Rate-0.06%(4.0)3.83%
PennyMac Loan Services-0.05%(3.5)10.10%
Caliber Home Loans-0.05%(3.5)2.79%
Lakeview Loan Servicing-0.04%(3.5)5.05%
Movement Mortgage-0.03%(3.5)7.14%
Stearns Home Loans0.01%(3.5)0.87%
PNC Bank0.03%(3.5)0.52%
Truist Bank0.03%(3.5)0.35%
Equity Resources0.03%(3.5)0.87%
Angel Oak Home Loans0.03%(3.5)0.17%
Atlantic Bay Mortgage Group0.03%(3.5)0.17%
Wells Fargo Bank0.03%(3.5)0.17%
AnnieMac Home Mortgage0.04%(3.5)0.87%
Residential Mortgage Services0.05%(3.5)0.35%
SunTrust Bank0.05%(3.0)0.52%
West Town Bank & Trust0.05%(3.0)0.52%
Union Home Mortgage0.06%(3.0)0.70%
Carrington Mortgage Services0.13%(3.0)7.32%
Mr. Cooper0.15%(2.5)1.22%
Freedom Mortgage Corporation0.15%(2.5)3.66%
The Federal Savings Bank0.17%(2.5)5.05%
Quicken Loans0.18%(2.5)10.98%

* Data is compiled for the Jacksonville, NC commuting zone area, which comprises of counties of Carteret County, NC, Craven County, NC, Jones County, NC, Onslow County, NC, and Pamlico County, NC. This includes cities/towns/communities of Jacksonville, NC as well as Half Moon, NC, New Bern, NC, Holly Ridge, NC, Piney Green, NC, Brices Creek, NC, Havelock, NC, Morehead City, NC, Richlands, NC, Sneads Ferry, NC, Emerald Isle, NC, Swansboro, NC, Beaufort, NC, Newport, NC, North Topsail Beach, NC, Atlantic Beach, NC, Bogue, NC, Trent Woods, NC, Fairfield Harbour, NC, Peletier, NC, River Bend, NC, James City, NC, Pine Knoll Shores, NC, Arapahoe, NC, Vanceboro, NC, Oriental, NC, Bridgeton, NC, Dover, NC, Gloucester, NC, Cedar Point, NC, Cape Carteret, NC, Maysville, NC, Grantsboro, NC, Davis, NC, Indian Beach, NC, Harkers Island, NC, Broad Creek, NC, Trenton, NC, Bayboro, NC, and Atlantic, 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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