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