Top Mortgage Lenders in Pinehurst, NC

Which mortgage lender in the Pinehurst, 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 Pinehurst, 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 Pinehurst, NC area in terms of interest rate is Navy Federal Credit Union, with an average “Rate Difference” of -0.10%. This means that, comparing similar borrowers, Navy Federal Credit Union provided a -0.10% lower interest rate for its customers than other lenders in the area. Navy Federal Credit Union has a market share of 3.9%. On the other hand, the most popular lender in the Pinehurst, NC area is Quicken Loans, with a larger market share of 13.8%. 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 Pinehurst, 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 Pinehurst, NC is First Bank NC and SC. 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 Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Movement Mortgage. 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 Pinehurst, NC

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.10%(4.0)3.85%
GoPrime Mortgage Inc-0.09%(4.0)6.21%
First Bank NC and SC-0.09%(4.0)2.93%
CMG Financial-0.04%(3.5)4.31%
Truist Bank-0.03%(3.5)6.01%
Wells Fargo Bank-0.03%(3.5)6.21%
Prosperity Home Mortgage LLC-0.03%(3.5)3.08%
American Security Mortgage-0.02%(3.5)1.95%
First Citizens Bank-0.02%(3.5)2.77%
ALCOVA Mortgage-0.02%(3.5)3.44%
Union Home Mortgage-0.01%(3.5)1.75%
State Employees’ Credit Union-0.00%(3.5)7.04%
PNC Bank0.00%(3.5)2.52%
Movement Mortgage0.01%(3.5)13.15%
Fidelity Bank NC and VA0.02%(3.5)3.13%
loanDepot0.02%(3.5)1.69%
USAA0.04%(3.5)8.17%
Southern Trust Mortgage0.04%(3.5)3.13%
NFM Lending0.04%(3.5)4.88%
Quicken Loans0.08%(3.0)13.76%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.11%(4.0)4.99%
PNC Bank-0.11%(4.0)1.56%
GoPrime Mortgage Inc-0.08%(4.0)6.86%
CMG Financial-0.07%(4.0)4.77%
Wells Fargo Bank-0.04%(3.5)7.45%
First Bank NC and SC-0.03%(3.5)2.31%
First Citizens Bank-0.02%(3.5)2.01%
Prosperity Home Mortgage LLC-0.02%(3.5)4.10%
American Security Mortgage-0.02%(3.5)2.24%
Truist Bank-0.02%(3.5)5.66%
Fidelity Bank NC and VA-0.02%(3.5)2.61%
ALCOVA Mortgage-0.01%(3.5)3.50%
Union Home Mortgage-0.01%(3.5)2.46%
loanDepot0.01%(3.5)0.45%
Movement Mortgage0.01%(3.5)17.66%
NFM Lending0.05%(3.0)6.11%
Southern Trust Mortgage0.05%(3.0)3.58%
USAA0.06%(3.0)9.46%
Quicken Loans0.08%(3.0)7.82%
State Employees’ Credit Union0.11%(3.0)4.40%
Lender NameRate DifferenceRate RatingMarket Share
First Bank NC and SC-0.16%(4.5)4.30%
GoPrime Mortgage Inc-0.15%(4.0)4.79%
State Employees’ Credit Union-0.09%(4.0)12.89%
Truist Bank-0.05%(4.0)6.78%
ALCOVA Mortgage-0.04%(3.5)3.31%
Prosperity Home Mortgage LLC-0.04%(3.5)0.83%
USAA-0.04%(3.5)5.29%
American Security Mortgage-0.03%(3.5)1.32%
Movement Mortgage-0.02%(3.5)3.14%
First Citizens Bank-0.02%(3.5)4.46%
Union Home Mortgage-0.02%(3.5)0.17%
NFM Lending-0.01%(3.5)2.15%
Southern Trust Mortgage-0.01%(3.5)2.15%
Navy Federal Credit Union0.00%(3.5)1.32%
loanDepot0.02%(3.5)4.46%
CMG Financial0.04%(3.5)3.31%
Wells Fargo Bank0.06%(3.0)3.47%
Fidelity Bank NC and VA0.06%(3.0)4.30%
PNC Bank0.09%(3.0)4.63%
Quicken Loans0.09%(3.0)26.94%
Lender NameRate DifferenceRate RatingMarket Share
First Bank NC and SC-0.10%(4.0)5.08%
GoPrime Mortgage Inc-0.09%(4.0)3.11%
Movement Mortgage-0.06%(4.0)9.60%
CMG Financial-0.05%(4.0)3.39%
Wells Fargo Bank-0.04%(3.5)8.38%
Truist Bank-0.04%(3.5)8.38%
First Citizens Bank-0.03%(3.5)3.30%
Union Home Mortgage-0.03%(3.5)0.94%
Prosperity Home Mortgage LLC-0.03%(3.5)3.58%
American Security Mortgage-0.02%(3.5)1.41%
USAA-0.01%(3.5)2.26%
loanDepot-0.01%(3.5)1.04%
State Employees’ Credit Union-0.01%(3.5)12.90%
PNC Bank0.00%(3.5)4.33%
ALCOVA Mortgage0.02%(3.5)2.54%
Fidelity Bank NC and VA0.02%(3.5)4.33%
Navy Federal Credit Union0.04%(3.5)1.69%
Southern Trust Mortgage0.06%(3.0)1.41%
NFM Lending0.07%(3.0)5.84%
Quicken Loans0.11%(3.0)16.48%
Lender NameRate DifferenceRate RatingMarket Share
PNC Bank-0.12%(4.0)2.89%
GoPrime Mortgage Inc-0.09%(4.0)4.41%
CMG Financial-0.09%(4.0)3.96%
Wells Fargo Bank-0.07%(4.0)10.65%
Movement Mortgage-0.06%(4.0)13.55%
First Citizens Bank-0.05%(4.0)2.44%
Union Home Mortgage-0.03%(3.5)1.37%
First Bank NC and SC-0.03%(3.5)4.26%
Fidelity Bank NC and VA-0.03%(3.5)3.35%
Prosperity Home Mortgage LLC-0.02%(3.5)5.02%
Truist Bank-0.02%(3.5)8.37%
loanDepot-0.02%(3.5)0.30%
American Security Mortgage-0.01%(3.5)1.52%
USAA-0.00%(3.5)2.89%
ALCOVA Mortgage0.02%(3.5)3.20%
Navy Federal Credit Union0.05%(3.0)2.13%
Southern Trust Mortgage0.06%(3.0)2.13%
NFM Lending0.08%(3.0)8.37%
State Employees’ Credit Union0.11%(3.0)8.98%
Quicken Loans0.12%(3.0)10.20%
Lender NameRate DifferenceRate RatingMarket Share
First Bank NC and SC-0.17%(4.5)6.42%
State Employees’ Credit Union-0.10%(4.0)19.26%
Truist Bank-0.07%(4.0)8.40%
USAA-0.05%(3.5)1.23%
GoPrime Mortgage Inc-0.05%(3.5)0.99%
Prosperity Home Mortgage LLC-0.05%(3.5)1.23%
Movement Mortgage-0.04%(3.5)3.21%
American Security Mortgage-0.04%(3.5)1.23%
Southern Trust Mortgage-0.03%(3.5)0.25%
Union Home Mortgage-0.03%(3.5)0.25%
First Citizens Bank-0.02%(3.5)4.69%
loanDepot-0.01%(3.5)2.22%
NFM Lending-0.01%(3.5)1.73%
ALCOVA Mortgage-0.00%(3.5)1.48%
Navy Federal Credit Union0.01%(3.5)0.99%
CMG Financial0.05%(3.5)2.47%
Fidelity Bank NC and VA0.06%(3.0)5.93%
Wells Fargo Bank0.06%(3.0)4.69%
PNC Bank0.08%(3.0)6.67%
Quicken Loans0.11%(3.0)26.67%
Lender NameRate DifferenceRate RatingMarket Share
Movement Mortgage-0.01%(3.5)30.71%
Quicken Loans-0.01%(3.5)32.86%
NFM Lending-0.01%(3.5)7.14%
GoPrime Mortgage Inc-0.00%(3.5)2.86%
American Security Mortgage-0.00%(3.5)5.00%
Truist Bank0.02%(3.5)0.71%
Union Home Mortgage0.02%(3.5)3.57%
ALCOVA Mortgage0.02%(3.5)3.57%
Prosperity Home Mortgage LLC0.02%(3.5)2.14%
CMG Financial0.04%(3.5)5.00%
Southern Trust Mortgage0.04%(3.5)1.43%
Fidelity Bank NC and VA0.05%(3.5)1.43%
loanDepot0.06%(3.0)3.57%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.02%(3.5)16.19%
NFM Lending-0.01%(3.5)7.62%
Movement Mortgage-0.01%(3.5)40.95%
GoPrime Mortgage Inc-0.00%(3.5)3.81%
American Security Mortgage-0.00%(3.5)6.67%
Truist Bank0.02%(3.5)0.95%
ALCOVA Mortgage0.02%(3.5)2.86%
Union Home Mortgage0.02%(3.5)4.76%
Prosperity Home Mortgage LLC0.02%(3.5)2.86%
CMG Financial0.04%(3.5)6.67%
Southern Trust Mortgage0.04%(3.5)1.90%
Fidelity Bank NC and VA0.05%(3.5)1.90%
loanDepot0.07%(3.0)2.86%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.00%(3.5)82.86%
NFM Lending0.01%(3.5)5.71%
ALCOVA Mortgage0.02%(3.5)5.71%
loanDepot0.03%(3.5)5.71%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.01%(3.5)23.08%
First Citizens Bank-0.00%(3.5)30.77%
Truist Bank0.00%(3.5)28.21%
PNC Bank0.01%(3.5)7.69%
First Bank NC and SC0.01%(3.5)2.56%
Prosperity Home Mortgage LLC0.02%(3.5)2.56%
Navy Federal Credit Union0.02%(3.5)2.56%
Fidelity Bank NC and VA0.02%(3.5)2.56%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.02%(3.5)30.43%
Truist Bank-0.00%(3.5)26.09%
First Bank NC and SC0.01%(3.5)4.35%
PNC Bank0.01%(3.5)8.70%
Prosperity Home Mortgage LLC0.01%(3.5)4.35%
Fidelity Bank NC and VA0.02%(3.5)4.35%
First Citizens Bank0.02%(3.5)21.74%
Lender NameRate DifferenceRate RatingMarket Share
First Citizens Bank-0.01%(3.5)43.75%
Truist Bank0.00%(3.5)31.25%
Wells Fargo Bank0.01%(3.5)12.50%
PNC Bank0.01%(3.5)6.25%
Navy Federal Credit Union0.02%(3.5)6.25%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.15%(4.0)7.93%
GoPrime Mortgage Inc-0.10%(4.0)11.90%
ALCOVA Mortgage-0.05%(4.0)4.96%
First Bank NC and SC-0.05%(4.0)0.28%
CMG Financial-0.05%(3.5)5.81%
Prosperity Home Mortgage LLC-0.03%(3.5)2.55%
American Security Mortgage-0.03%(3.5)2.27%
Truist Bank-0.02%(3.5)2.27%
NFM Lending-0.01%(3.5)3.26%
Fidelity Bank NC and VA-0.01%(3.5)1.70%
Union Home Mortgage0.00%(3.5)2.69%
First Citizens Bank0.01%(3.5)0.99%
Wells Fargo Bank0.02%(3.5)3.26%
Southern Trust Mortgage0.03%(3.5)6.23%
loanDepot0.04%(3.5)2.41%
USAA0.04%(3.5)19.12%
Quicken Loans0.09%(3.0)6.66%
Movement Mortgage0.09%(3.0)15.72%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.16%(4.5)9.52%
GoPrime Mortgage Inc-0.08%(4.0)10.59%
CMG Financial-0.07%(4.0)5.57%
First Bank NC and SC-0.06%(4.0)0.36%
ALCOVA Mortgage-0.05%(3.5)4.13%
Prosperity Home Mortgage LLC-0.04%(3.5)3.23%
American Security Mortgage-0.03%(3.5)2.33%
Truist Bank-0.03%(3.5)2.51%
Fidelity Bank NC and VA-0.01%(3.5)1.80%
loanDepot-0.01%(3.5)0.18%
NFM Lending-0.01%(3.5)3.41%
Union Home Mortgage-0.00%(3.5)3.41%
First Citizens Bank0.01%(3.5)1.08%
Wells Fargo Bank0.01%(3.5)4.13%
Quicken Loans0.02%(3.5)3.77%
Southern Trust Mortgage0.05%(3.5)5.75%
USAA0.06%(3.0)19.39%
Movement Mortgage0.09%(3.0)18.85%
Lender NameRate DifferenceRate RatingMarket Share
GoPrime Mortgage Inc-0.15%(4.5)16.78%
ALCOVA Mortgage-0.06%(4.0)8.05%
USAA-0.02%(3.5)18.12%
NFM Lending-0.02%(3.5)2.68%
First Citizens Bank-0.01%(3.5)0.67%
American Security Mortgage-0.01%(3.5)2.01%
Navy Federal Credit Union-0.00%(3.5)2.01%
Southern Trust Mortgage0.01%(3.5)8.05%
Fidelity Bank NC and VA0.01%(3.5)1.34%
Movement Mortgage0.02%(3.5)4.03%
Truist Bank0.02%(3.5)1.34%
CMG Financial0.03%(3.5)6.71%
loanDepot0.05%(3.0)10.74%
Quicken Loans0.15%(3.0)17.45%

* Data is compiled for the Pinehurst, NC commuting zone area, which comprises of counties of Montgomery County, NC, Moore County, NC, and Richmond County, NC. This includes cities/towns/communities of Pinehurst, NC as well as Southern Pines, NC, Whispering Pines, NC, Seven Lakes, NC, Aberdeen, NC, Cameron, NC, Rockingham, NC, Carthage, NC, Pinebluff, NC, Hamlet, NC, Troy, NC, Mount Gilead, NC, Robbins, NC, Biscoe, NC, Hoffman, NC, Ellerbe, NC, Cordova, NC, Candor, NC, and East Rockingham, 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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