Which mortgage lender in the Goldsboro, 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 Goldsboro, 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 Goldsboro, NC area in terms of interest rate is Truist Bank, with an average “Rate Difference” of -0.10%. This means that, comparing similar borrowers, Truist Bank provided a -0.10% lower interest rate for its customers than other lenders in the area. Truist Bank has a market share of 21.6%. It is the most popular lender in the Goldsboro, NC area.
Our detailed ranking of mortgage lenders in the Goldsboro, 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 Goldsboro, NC is Truist Bank. 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 First Citizens Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Cornerstone Home Lending. 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 Goldsboro, NC
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Truist Bank | -0.10% | 21.60% | |
| Wells Fargo Bank | -0.04% | 16.55% | |
| Southern Bank and Trust Company | -0.01% | 3.22% | |
| Navy Federal Credit Union | -0.01% | 4.27% | |
| State Employees’ Credit Union | -0.00% | 15.33% | |
| Cornerstone Home Lending | 0.00% | 6.36% | |
| USAA | 0.02% | 4.88% | |
| First Citizens Bank | 0.09% | 3.40% | |
| Quicken Loans | 0.10% | 14.37% | |
| Movement Mortgage | 0.11% | 10.02% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Truist Bank | -0.13% | 22.53% | |
| Wells Fargo Bank | -0.04% | 21.90% | |
| Navy Federal Credit Union | -0.01% | 5.76% | |
| Cornerstone Home Lending | 0.01% | 9.01% | |
| Southern Bank and Trust Company | 0.01% | 2.38% | |
| USAA | 0.05% | 5.13% | |
| Quicken Loans | 0.08% | 5.63% | |
| First Citizens Bank | 0.10% | 3.25% | |
| Movement Mortgage | 0.11% | 14.02% | |
| State Employees’ Credit Union | 0.12% | 10.39% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| State Employees’ Credit Union | -0.12% | 26.65% | |
| USAA | -0.05% | 4.30% | |
| Southern Bank and Trust Company | -0.04% | 5.16% | |
| Truist Bank | -0.02% | 19.48% | |
| Movement Mortgage | 0.02% | 0.86% | |
| Cornerstone Home Lending | 0.03% | 0.29% | |
| First Citizens Bank | 0.06% | 3.72% | |
| Navy Federal Credit Union | 0.08% | 0.86% | |
| Wells Fargo Bank | 0.08% | 4.30% | |
| Quicken Loans | 0.10% | 34.38% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Truist Bank | -0.11% | 30.47% | |
| Wells Fargo Bank | -0.02% | 12.69% | |
| Southern Bank and Trust Company | 0.00% | 5.22% | |
| State Employees’ Credit Union | 0.01% | 24.82% | |
| Cornerstone Home Lending | 0.05% | 3.67% | |
| USAA | 0.05% | 0.71% | |
| Navy Federal Credit Union | 0.10% | 2.40% | |
| First Citizens Bank | 0.11% | 4.09% | |
| Movement Mortgage | 0.13% | 4.80% | |
| Quicken Loans | 0.15% | 11.14% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Truist Bank | -0.14% | 34.61% | |
| Wells Fargo Bank | -0.03% | 16.85% | |
| Southern Bank and Trust Company | 0.03% | 4.27% | |
| Cornerstone Home Lending | 0.06% | 5.84% | |
| USAA | 0.08% | 0.67% | |
| Quicken Loans | 0.09% | 4.27% | |
| Navy Federal Credit Union | 0.11% | 3.15% | |
| First Citizens Bank | 0.13% | 4.27% | |
| State Employees’ Credit Union | 0.14% | 18.65% | |
| Movement Mortgage | 0.14% | 7.42% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| State Employees’ Credit Union | -0.11% | 35.23% | |
| Southern Bank and Trust Company | -0.03% | 6.82% | |
| Truist Bank | -0.01% | 23.48% | |
| USAA | 0.02% | 0.76% | |
| Movement Mortgage | 0.03% | 0.38% | |
| First Citizens Bank | 0.08% | 3.79% | |
| Navy Federal Credit Union | 0.09% | 1.14% | |
| Wells Fargo Bank | 0.09% | 5.68% | |
| Quicken Loans | 0.16% | 22.73% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Cornerstone Home Lending | -0.04% | 29.92% | |
| Truist Bank | -0.04% | 5.51% | |
| Quicken Loans | 0.01% | 38.58% | |
| Navy Federal Credit Union | 0.04% | 0.79% | |
| First Citizens Bank | 0.04% | 3.94% | |
| Wells Fargo Bank | 0.05% | 1.57% | |
| Movement Mortgage | 0.05% | 19.69% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Cornerstone Home Lending | -0.05% | 38.78% | |
| Truist Bank | -0.05% | 7.14% | |
| Navy Federal Credit Union | 0.03% | 1.02% | |
| First Citizens Bank | 0.04% | 5.10% | |
| Wells Fargo Bank | 0.04% | 2.04% | |
| Movement Mortgage | 0.04% | 25.51% | |
| Quicken Loans | 0.04% | 20.41% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | 0.00% | 100.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First Citizens Bank | 0.00% | 100.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First Citizens Bank | 0.00% | 100.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.09% | 10.00% | |
| Wells Fargo Bank | -0.07% | 31.61% | |
| Truist Bank | -0.00% | 8.06% | |
| USAA | -0.00% | 16.45% | |
| First Citizens Bank | 0.02% | 0.97% | |
| Cornerstone Home Lending | 0.02% | 2.90% | |
| Quicken Loans | 0.10% | 11.94% | |
| Movement Mortgage | 0.10% | 18.06% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.08% | 12.11% | |
| Wells Fargo Bank | -0.06% | 38.28% | |
| Truist Bank | 0.00% | 7.42% | |
| USAA | 0.03% | 14.84% | |
| Cornerstone Home Lending | 0.03% | 3.12% | |
| First Citizens Bank | 0.03% | 0.78% | |
| Movement Mortgage | 0.11% | 21.09% | |
| Quicken Loans | 0.13% | 2.34% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| USAA | -0.11% | 24.07% | |
| Truist Bank | -0.04% | 11.11% | |
| First Citizens Bank | -0.02% | 1.85% | |
| Movement Mortgage | -0.02% | 3.70% | |
| Cornerstone Home Lending | -0.01% | 1.85% | |
| Quicken Loans | 0.06% | 57.41% |
* Data is compiled for the Goldsboro, NC commuting zone area, which comprises of counties of Duplin County, NC, Sampson County, NC, and Wayne County, NC. This includes cities/towns/communities of Goldsboro, NC as well as Pikeville, NC, Clinton, NC, Walnut Creek, NC, Mar-Mac, NC, Plain View, NC, Beulaville, NC, Newton Grove, NC, Keener, NC, Roseboro, NC, Bonnetsville, NC, Greenevers, NC, Wallace, NC, Seven Springs, NC, Mount Olive, NC, Elroy, NC, Kenansville, NC, Spiveys Corner, NC, Ingold, NC, Warsaw, NC, Fremont, NC, Brogden, NC, Rose Hill, NC, Mount Olive, NC, Faison, NC, Garland, NC, and Magnolia, 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
This page contains information about the top mortgage lenders in the Goldsboro, NC area. For mortgage lender rankings in other cities, click here.