Top Mortgage Lenders in Hickory, NC

Which mortgage lender in the Hickory, 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 Hickory, 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 Hickory, NC area in terms of interest rate is Peoples Bank NC, with an average “Rate Difference” of -0.14%. This means that, comparing similar borrowers, Peoples Bank NC provided a -0.14% lower interest rate for its customers than other lenders in the area. Peoples Bank NC has a market share of 3.0%. On the other hand, the most popular lender in the Hickory, NC area is Quicken Loans, with a larger market share of 14.4%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.05% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Hickory, 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 Hickory, NC is Peoples Bank NC. 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 Quicken Loans. 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 Hickory, NC

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
Peoples Bank NC-0.14%(4.0)3.05%
Bank of America-0.08%(4.0)1.77%
Navy Federal Credit Union-0.07%(4.0)1.13%
Truist Bank-0.07%(4.0)7.37%
First Bank NC and SC-0.07%(4.0)0.87%
JPMorgan Chase Bank-0.06%(4.0)1.28%
SunTrust Bank-0.06%(4.0)1.30%
DHI Mortgage Company Limited-0.05%(3.5)0.78%
Uwharrie Bank-0.05%(3.5)1.11%
Renasant Bank-0.04%(3.5)0.85%
Local Government Federal Credit Union-0.04%(3.5)1.61%
ALCOVA Mortgage-0.03%(3.5)2.39%
Atlantic Bay Mortgage Group-0.03%(3.5)8.88%
State Employees’ Credit Union-0.02%(3.5)9.55%
First Citizens Bank-0.02%(3.5)2.72%
Highlands Residential Mortgage Ltd-0.02%(3.5)1.77%
PennyMac Loan Services-0.01%(3.5)0.85%
Fifth Third Bank0.00%(3.5)0.87%
Movement Mortgage0.01%(3.5)6.64%
Wells Fargo Bank0.01%(3.5)5.74%
Carrington Mortgage Services0.01%(3.5)0.80%
First Horizon Bank0.02%(3.5)0.87%
Fairway Independent Mortgage Corporation0.02%(3.5)2.93%
Family First Funding0.02%(3.5)0.87%
PNC Bank0.02%(3.5)1.21%
Certainty Home Loans0.03%(3.5)3.92%
Quicken Loans0.05%(3.5)14.37%
Guaranteed Rate0.05%(3.5)1.49%
Homeside Financial0.10%(3.0)2.20%
Summit Funding Inc0.10%(3.0)0.90%
Mr. Cooper0.11%(3.0)1.06%
Cardinal Financial Company0.12%(3.0)2.27%
Amerifirst Home Mortgage0.16%(2.5)2.10%
Lender NameRate DifferenceRate RatingMarket Share
Truist Bank-0.11%(4.0)7.31%
JPMorgan Chase Bank-0.10%(4.0)1.08%
Bank of America-0.09%(4.0)1.84%
Navy Federal Credit Union-0.08%(4.0)1.56%
First Bank NC and SC-0.08%(4.0)0.92%
Wells Fargo Bank-0.07%(4.0)6.79%
PNC Bank-0.06%(4.0)0.72%
Renasant Bank-0.06%(4.0)1.12%
SunTrust Bank-0.05%(3.5)1.44%
Peoples Bank NC-0.05%(3.5)2.08%
DHI Mortgage Company Limited-0.05%(3.5)1.32%
Uwharrie Bank-0.05%(3.5)1.84%
First Citizens Bank-0.04%(3.5)1.64%
ALCOVA Mortgage-0.03%(3.5)3.64%
Atlantic Bay Mortgage Group-0.02%(3.5)12.51%
Highlands Residential Mortgage Ltd-0.01%(3.5)2.76%
Fifth Third Bank-0.01%(3.5)0.72%
Quicken Loans0.01%(3.5)7.03%
PennyMac Loan Services0.01%(3.5)0.24%
Family First Funding0.02%(3.5)1.00%
Local Government Federal Credit Union0.02%(3.5)0.88%
Carrington Mortgage Services0.02%(3.5)0.12%
Fairway Independent Mortgage Corporation0.03%(3.5)3.92%
Movement Mortgage0.04%(3.5)9.03%
First Horizon Bank0.04%(3.5)0.96%
Certainty Home Loans0.04%(3.5)5.52%
Mr. Cooper0.05%(3.0)0.60%
Guaranteed Rate0.06%(3.0)1.84%
State Employees’ Credit Union0.07%(3.0)5.20%
Homeside Financial0.10%(3.0)2.76%
Summit Funding Inc0.10%(3.0)1.40%
Cardinal Financial Company0.13%(3.0)3.32%
Amerifirst Home Mortgage0.17%(2.5)3.12%
Lender NameRate DifferenceRate RatingMarket Share
Peoples Bank NC-0.21%(4.5)4.45%
Movement Mortgage-0.08%(4.0)3.18%
State Employees’ Credit Union-0.07%(4.0)15.84%
Local Government Federal Credit Union-0.07%(4.0)2.66%
SunTrust Bank-0.07%(4.0)1.10%
Bank of America-0.06%(4.0)1.68%
Atlantic Bay Mortgage Group-0.06%(4.0)3.64%
First Bank NC and SC-0.05%(4.0)0.81%
Certainty Home Loans-0.04%(3.5)1.62%
ALCOVA Mortgage-0.03%(3.5)0.58%
Highlands Residential Mortgage Ltd-0.03%(3.5)0.35%
JPMorgan Chase Bank-0.03%(3.5)1.56%
Navy Federal Credit Union-0.02%(3.5)0.52%
First Horizon Bank-0.02%(3.5)0.75%
Truist Bank-0.02%(3.5)7.46%
Fairway Independent Mortgage Corporation-0.02%(3.5)1.50%
PennyMac Loan Services-0.02%(3.5)1.73%
First Citizens Bank-0.01%(3.5)4.28%
Renasant Bank0.00%(3.5)0.46%
Uwharrie Bank0.01%(3.5)0.06%
Carrington Mortgage Services0.01%(3.5)1.79%
Fifth Third Bank0.01%(3.5)1.10%
Family First Funding0.01%(3.5)0.69%
Guaranteed Rate0.02%(3.5)0.98%
Summit Funding Inc0.03%(3.5)0.17%
Cardinal Financial Company0.05%(3.0)0.75%
PNC Bank0.06%(3.0)1.91%
Quicken Loans0.06%(3.0)24.97%
Homeside Financial0.08%(3.0)1.39%
Amerifirst Home Mortgage0.09%(3.0)0.64%
Mr. Cooper0.14%(3.0)1.73%
Wells Fargo Bank0.22%(2.5)4.22%
Lender NameRate DifferenceRate RatingMarket Share
Peoples Bank NC-0.14%(4.0)4.25%
Bank of America-0.09%(4.0)2.14%
First Bank NC and SC-0.08%(4.0)1.12%
Truist Bank-0.08%(4.0)9.42%
SunTrust Bank-0.07%(4.0)1.45%
DHI Mortgage Company Limited-0.07%(4.0)0.76%
Uwharrie Bank-0.07%(4.0)0.92%
JPMorgan Chase Bank-0.06%(4.0)1.78%
Renasant Bank-0.05%(3.5)0.99%
Local Government Federal Credit Union-0.04%(3.5)2.24%
ALCOVA Mortgage-0.03%(3.5)1.84%
First Citizens Bank-0.03%(3.5)3.26%
State Employees’ Credit Union-0.03%(3.5)13.31%
Certainty Home Loans-0.02%(3.5)2.70%
Highlands Residential Mortgage Ltd-0.02%(3.5)1.84%
Atlantic Bay Mortgage Group-0.02%(3.5)7.15%
Fairway Independent Mortgage Corporation-0.01%(3.5)2.54%
Fifth Third Bank0.00%(3.5)0.99%
Carrington Mortgage Services0.01%(3.5)0.23%
Movement Mortgage0.01%(3.5)5.83%
PennyMac Loan Services0.01%(3.5)0.16%
Wells Fargo Bank0.01%(3.5)7.41%
First Horizon Bank0.01%(3.5)1.19%
PNC Bank0.02%(3.5)1.52%
Family First Funding0.03%(3.5)0.56%
Navy Federal Credit Union0.04%(3.5)0.53%
Cardinal Financial Company0.06%(3.0)1.65%
Guaranteed Rate0.06%(3.0)1.48%
Summit Funding Inc0.12%(3.0)0.76%
Quicken Loans0.12%(3.0)12.29%
Homeside Financial0.14%(3.0)1.71%
Amerifirst Home Mortgage0.17%(2.5)2.11%
Mr. Cooper0.18%(2.5)0.56%
Lender NameRate DifferenceRate RatingMarket Share
Truist Bank-0.11%(4.0)9.69%
Bank of America-0.10%(4.0)2.25%
JPMorgan Chase Bank-0.09%(4.0)1.60%
First Bank NC and SC-0.09%(4.0)1.24%
Wells Fargo Bank-0.08%(4.0)9.22%
PNC Bank-0.07%(4.0)0.89%
DHI Mortgage Company Limited-0.07%(4.0)1.36%
SunTrust Bank-0.07%(4.0)1.65%
Uwharrie Bank-0.07%(4.0)1.60%
Renasant Bank-0.06%(4.0)1.36%
First Citizens Bank-0.05%(3.5)1.83%
Peoples Bank NC-0.04%(3.5)3.07%
ALCOVA Mortgage-0.02%(3.5)2.84%
Highlands Residential Mortgage Ltd-0.02%(3.5)2.96%
Certainty Home Loans-0.01%(3.5)3.66%
Fifth Third Bank-0.01%(3.5)0.71%
Fairway Independent Mortgage Corporation0.01%(3.5)3.37%
Atlantic Bay Mortgage Group0.01%(3.5)10.05%
PennyMac Loan Services0.01%(3.5)0.12%
Local Government Federal Credit Union0.03%(3.5)1.30%
Family First Funding0.04%(3.5)0.71%
First Horizon Bank0.04%(3.5)1.36%
Movement Mortgage0.05%(3.5)7.98%
Cardinal Financial Company0.06%(3.0)2.48%
Navy Federal Credit Union0.06%(3.0)0.71%
Mr. Cooper0.07%(3.0)0.24%
Guaranteed Rate0.07%(3.0)1.89%
State Employees’ Credit Union0.08%(3.0)7.68%
Quicken Loans0.08%(3.0)6.15%
Summit Funding Inc0.14%(3.0)1.18%
Homeside Financial0.16%(2.5)2.19%
Amerifirst Home Mortgage0.19%(2.5)3.19%
Lender NameRate DifferenceRate RatingMarket Share
Peoples Bank NC-0.21%(4.5)5.73%
Atlantic Bay Mortgage Group-0.09%(4.0)3.50%
Movement Mortgage-0.09%(4.0)3.12%
SunTrust Bank-0.08%(4.0)1.19%
State Employees’ Credit Union-0.08%(4.0)20.39%
Bank of America-0.07%(4.0)2.01%
Local Government Federal Credit Union-0.07%(4.0)3.42%
Certainty Home Loans-0.07%(4.0)1.49%
First Bank NC and SC-0.06%(4.0)0.97%
ALCOVA Mortgage-0.04%(3.5)0.60%
Fairway Independent Mortgage Corporation-0.04%(3.5)1.49%
Highlands Residential Mortgage Ltd-0.03%(3.5)0.45%
JPMorgan Chase Bank-0.03%(3.5)2.01%
First Horizon Bank-0.03%(3.5)0.97%
Truist Bank-0.03%(3.5)9.08%
First Citizens Bank-0.02%(3.5)5.06%
Navy Federal Credit Union-0.00%(3.5)0.30%
Uwharrie Bank-0.00%(3.5)0.07%
Renasant Bank0.00%(3.5)0.52%
Carrington Mortgage Services0.00%(3.5)0.52%
Fifth Third Bank0.01%(3.5)1.34%
Family First Funding0.01%(3.5)0.37%
PennyMac Loan Services0.01%(3.5)0.22%
Summit Funding Inc0.02%(3.5)0.22%
Guaranteed Rate0.03%(3.5)0.97%
PNC Bank0.06%(3.0)2.31%
Cardinal Financial Company0.06%(3.0)0.60%
Amerifirst Home Mortgage0.09%(3.0)0.74%
Homeside Financial0.11%(3.0)1.12%
Quicken Loans0.13%(3.0)20.01%
Mr. Cooper0.21%(2.5)0.97%
Wells Fargo Bank0.22%(2.5)5.13%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.12%(4.0)21.85%
Atlantic Bay Mortgage Group-0.08%(4.0)13.14%
ALCOVA Mortgage-0.04%(3.5)4.29%
Bank of America-0.03%(3.5)0.94%
Fifth Third Bank-0.03%(3.5)0.54%
Uwharrie Bank-0.02%(3.5)1.88%
Truist Bank-0.01%(3.5)0.80%
Highlands Residential Mortgage Ltd-0.01%(3.5)1.61%
Renasant Bank-0.01%(3.5)0.54%
Navy Federal Credit Union-0.00%(3.5)0.13%
First Citizens Bank-0.00%(3.5)1.07%
First Bank NC and SC-0.00%(3.5)0.13%
PennyMac Loan Services0.00%(3.5)1.07%
Carrington Mortgage Services0.01%(3.5)2.41%
Family First Funding0.01%(3.5)2.28%
DHI Mortgage Company Limited0.01%(3.5)0.80%
Movement Mortgage0.02%(3.5)9.92%
SunTrust Bank0.02%(3.5)0.40%
Wells Fargo Bank0.03%(3.5)0.54%
PNC Bank0.03%(3.5)0.40%
Homeside Financial0.05%(3.0)3.62%
Fairway Independent Mortgage Corporation0.06%(3.0)5.50%
Summit Funding Inc0.06%(3.0)1.47%
Guaranteed Rate0.07%(3.0)1.21%
Mr. Cooper0.09%(3.0)2.95%
Certainty Home Loans0.09%(3.0)8.85%
Amerifirst Home Mortgage0.15%(2.5)2.68%
Cardinal Financial Company0.21%(2.5)5.50%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.15%(4.5)9.23%
Atlantic Bay Mortgage Group-0.10%(4.0)16.95%
ALCOVA Mortgage-0.06%(4.0)5.84%
Bank of America-0.05%(4.0)1.13%
Fifth Third Bank-0.04%(3.5)0.75%
Uwharrie Bank-0.04%(3.5)2.64%
First Citizens Bank-0.03%(3.5)0.94%
Renasant Bank-0.03%(3.5)0.56%
Highlands Residential Mortgage Ltd-0.03%(3.5)2.26%
Truist Bank-0.03%(3.5)0.56%
Navy Federal Credit Union-0.02%(3.5)0.19%
First Bank NC and SC-0.02%(3.5)0.19%
Family First Funding-0.01%(3.5)2.26%
DHI Mortgage Company Limited-0.00%(3.5)1.13%
Carrington Mortgage Services0.00%(3.5)0.38%
Movement Mortgage0.00%(3.5)13.18%
SunTrust Bank0.01%(3.5)0.56%
PennyMac Loan Services0.02%(3.5)0.38%
PNC Bank0.02%(3.5)0.56%
Wells Fargo Bank0.02%(3.5)0.38%
Homeside Financial0.04%(3.5)4.14%
Summit Funding Inc0.05%(3.5)2.07%
Mr. Cooper0.05%(3.5)1.51%
Fairway Independent Mortgage Corporation0.05%(3.5)6.59%
Guaranteed Rate0.06%(3.0)1.51%
Certainty Home Loans0.09%(3.0)11.49%
Amerifirst Home Mortgage0.14%(3.0)3.58%
Cardinal Financial Company0.21%(2.5)7.16%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.07%(4.0)53.02%
Truist Bank0.02%(3.5)1.40%
PennyMac Loan Services0.03%(3.5)2.79%
Movement Mortgage0.03%(3.5)1.86%
Renasant Bank0.04%(3.5)0.47%
Bank of America0.04%(3.5)0.47%
Certainty Home Loans0.04%(3.5)2.33%
Carrington Mortgage Services0.04%(3.5)7.44%
Atlantic Bay Mortgage Group0.05%(3.0)3.72%
Cardinal Financial Company0.06%(3.0)1.40%
Wells Fargo Bank0.06%(3.0)0.93%
ALCOVA Mortgage0.06%(3.0)0.47%
Family First Funding0.06%(3.0)2.33%
Guaranteed Rate0.06%(3.0)0.47%
First Citizens Bank0.06%(3.0)1.40%
Fairway Independent Mortgage Corporation0.07%(3.0)2.79%
Homeside Financial0.08%(3.0)2.33%
Amerifirst Home Mortgage0.09%(3.0)0.47%
Mr. Cooper0.14%(3.0)6.51%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.03%(3.5)23.08%
Fifth Third Bank-0.01%(3.5)5.13%
PNC Bank-0.01%(3.5)5.13%
Truist Bank0.00%(3.5)20.51%
First Bank NC and SC0.01%(3.5)2.56%
Navy Federal Credit Union0.01%(3.5)2.56%
Bank of America0.01%(3.5)5.13%
First Citizens Bank0.01%(3.5)10.26%
First Horizon Bank0.01%(3.5)2.56%
SunTrust Bank0.02%(3.5)12.82%
Quicken Loans0.02%(3.5)2.56%
Guaranteed Rate0.02%(3.5)2.56%
Movement Mortgage0.02%(3.5)5.13%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.03%(3.5)28.00%
Fifth Third Bank-0.01%(3.5)8.00%
First Citizens Bank0.00%(3.5)8.00%
Navy Federal Credit Union0.01%(3.5)4.00%
Bank of America0.01%(3.5)4.00%
First Horizon Bank0.01%(3.5)4.00%
Truist Bank0.01%(3.5)20.00%
Guaranteed Rate0.02%(3.5)4.00%
Movement Mortgage0.02%(3.5)8.00%
SunTrust Bank0.02%(3.5)12.00%
Lender NameRate DifferenceRate RatingMarket Share
Truist Bank-0.02%(3.5)21.43%
Wells Fargo Bank-0.01%(3.5)14.29%
PNC Bank-0.00%(3.5)14.29%
SunTrust Bank0.01%(3.5)14.29%
First Bank NC and SC0.01%(3.5)7.14%
Bank of America0.01%(3.5)7.14%
First Citizens Bank0.01%(3.5)14.29%
Quicken Loans0.02%(3.5)7.14%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.15%(4.0)7.30%
Truist Bank-0.06%(4.0)2.92%
Renasant Bank-0.03%(3.5)0.49%
PennyMac Loan Services-0.03%(3.5)5.60%
First Bank NC and SC-0.02%(3.5)0.24%
First Citizens Bank-0.01%(3.5)0.97%
Guaranteed Rate-0.01%(3.5)1.95%
DHI Mortgage Company Limited-0.00%(3.5)0.97%
Homeside Financial0.00%(3.5)3.41%
Wells Fargo Bank0.00%(3.5)1.22%
Bank of America0.01%(3.5)0.24%
Family First Funding0.01%(3.5)0.73%
Certainty Home Loans0.01%(3.5)4.38%
Fifth Third Bank0.01%(3.5)0.24%
Movement Mortgage0.02%(3.5)6.81%
Atlantic Bay Mortgage Group0.02%(3.5)14.84%
SunTrust Bank0.02%(3.5)0.73%
ALCOVA Mortgage0.02%(3.5)3.16%
Mr. Cooper0.02%(3.5)1.46%
Uwharrie Bank0.02%(3.5)1.22%
Highlands Residential Mortgage Ltd0.03%(3.5)1.70%
Cardinal Financial Company0.03%(3.5)1.22%
Quicken Loans0.03%(3.5)17.27%
Carrington Mortgage Services0.03%(3.5)2.19%
Summit Funding Inc0.05%(3.5)0.97%
Fairway Independent Mortgage Corporation0.06%(3.0)1.46%
Amerifirst Home Mortgage0.08%(3.0)1.22%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.16%(4.5)9.84%
Truist Bank-0.06%(4.0)4.33%
Renasant Bank-0.02%(3.5)0.79%
First Citizens Bank-0.01%(3.5)1.18%
First Bank NC and SC-0.01%(3.5)0.39%
DHI Mortgage Company Limited0.00%(3.5)1.57%
Homeside Financial0.00%(3.5)3.94%
PennyMac Loan Services0.00%(3.5)0.79%
Wells Fargo Bank0.01%(3.5)1.97%
Guaranteed Rate0.01%(3.5)1.97%
Mr. Cooper0.01%(3.5)1.18%
Bank of America0.01%(3.5)0.39%
Certainty Home Loans0.02%(3.5)5.91%
Atlantic Bay Mortgage Group0.02%(3.5)20.87%
Family First Funding0.03%(3.5)0.39%
Uwharrie Bank0.03%(3.5)1.97%
Quicken Loans0.03%(3.5)9.06%
ALCOVA Mortgage0.03%(3.5)4.72%
SunTrust Bank0.03%(3.5)0.79%
Highlands Residential Mortgage Ltd0.03%(3.5)2.76%
Cardinal Financial Company0.04%(3.5)1.18%
Carrington Mortgage Services0.04%(3.5)0.39%
Summit Funding Inc0.05%(3.0)1.57%
Movement Mortgage0.06%(3.0)7.48%
Fairway Independent Mortgage Corporation0.07%(3.0)2.36%
Amerifirst Home Mortgage0.08%(3.0)1.97%
Lender NameRate DifferenceRate RatingMarket Share
Movement Mortgage-0.08%(4.0)5.73%
Navy Federal Credit Union-0.06%(4.0)3.18%
PennyMac Loan Services-0.04%(3.5)13.38%
Guaranteed Rate-0.04%(3.5)1.91%
ALCOVA Mortgage-0.02%(3.5)0.64%
Family First Funding-0.01%(3.5)1.27%
Atlantic Bay Mortgage Group-0.00%(3.5)5.10%
SunTrust Bank-0.00%(3.5)0.64%
First Citizens Bank-0.00%(3.5)0.64%
Truist Bank-0.00%(3.5)0.64%
Fifth Third Bank0.00%(3.5)0.64%
Homeside Financial0.00%(3.5)2.55%
Certainty Home Loans0.01%(3.5)1.91%
Cardinal Financial Company0.02%(3.5)1.27%
Carrington Mortgage Services0.02%(3.5)5.10%
Mr. Cooper0.03%(3.5)1.91%
Quicken Loans0.03%(3.5)30.57%

* Data is compiled for the Hickory, NC commuting zone area, which comprises of counties of Alexander County, NC, Burke County, NC, Caldwell County, NC, Catawba County, NC, and McDowell County, NC. This includes cities/towns/communities of Hickory, NC as well as Lake Norman of Catawba, NC, Marion, NC, Lenoir, NC, Morganton, NC, Conover, NC, Newton, NC, Maiden, NC, Northlakes, NC, Salem, NC, Valdese, NC, Gamewell, NC, Bethlehem, NC, St. Stephens, NC, Sawmills, NC, Old Fort, NC, Taylorsville, NC, Catawba, NC, Icard, NC, Mountain View, NC, Hildebran, NC, Hudson, NC, Long View, NC, Drexel, NC, Glen Alpine, NC, Stony Point, NC, Granite Falls, NC, Blowing Rock, NC, Cedar Rock, NC, and Claremont, 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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