Which mortgage lender in the Cartersville, GA 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 Cartersville, GA 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 Cartersville, GA area in terms of interest rate is CenterState Bank, with an average “Rate Difference” of -0.21%. This means that, comparing similar borrowers, CenterState Bank provided a -0.21% lower interest rate for its customers than other lenders in the area. CenterState Bank has a market share of 4.3%. On the other hand, the most popular lender in the Cartersville, GA area is Quicken Loans, with a larger market share of 12.7%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.03% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the Cartersville, GA 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 Cartersville, GA is CenterState 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 Georgia United Credit Union. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is CenterState 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 Cartersville, GA
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Success Mortgage Partners | -0.06% | 2.75% | |
| Quicken Loans | -0.06% | 36.91% | |
| Carrington Mortgage Services | -0.06% | 7.99% | |
| Ameris Bank | -0.03% | 2.20% | |
| SWBC Mortgage | -0.02% | 5.79% | |
| CenterState Bank | -0.02% | 1.10% | |
| Renasant Bank | 0.00% | 0.55% | |
| Home Point Financial Corporation | 0.00% | 1.65% | |
| MortgageRight | 0.01% | 2.75% | |
| New American Funding | 0.02% | 0.55% | |
| Movement Mortgage | 0.02% | 0.28% | |
| Regions Bank | 0.02% | 0.83% | |
| PennyMac Loan Services | 0.03% | 4.41% | |
| The Mortgage Firm | 0.03% | 1.38% | |
| SunTrust Bank | 0.03% | 0.28% | |
| Flagstar Bank | 0.03% | 1.10% | |
| Certainty Home Loans | 0.04% | 0.28% | |
| Fairway Independent Mortgage Corporation | 0.04% | 0.28% | |
| Amerisave Mortgage Corporation | 0.05% | 0.55% | |
| Stearns Home Loans | 0.05% | 0.55% | |
| FirstBank TN | 0.06% | 1.10% | |
| Bay Equity Home Loans | 0.06% | 1.10% | |
| Stockton Mortgage | 0.07% | 0.83% | |
| Freedom Mortgage Corporation | 0.07% | 3.03% | |
| Milend | 0.07% | 1.93% | |
| HomeStar Financial | 0.07% | 1.38% | |
| loanDepot | 0.07% | 4.68% | |
| Cardinal Financial Company | 0.07% | 1.10% | |
| LendUS LLC | 0.08% | 2.20% | |
| Guild Mortgage Company | 0.10% | 3.86% | |
| Mr. Cooper | 0.18% | 6.61% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Georgia United Credit Union | -0.01% | 9.09% | |
| Wells Fargo Bank | -0.01% | 9.09% | |
| Regions Bank | -0.01% | 27.27% | |
| Bay Equity Home Loans | 0.00% | 9.09% | |
| Truist Bank | 0.00% | 27.27% | |
| SunTrust Bank | 0.01% | 9.09% | |
| SWBC Mortgage | 0.01% | 9.09% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Georgia United Credit Union | -0.01% | 11.11% | |
| Wells Fargo Bank | -0.01% | 11.11% | |
| Regions Bank | -0.01% | 22.22% | |
| Bay Equity Home Loans | 0.00% | 11.11% | |
| SunTrust Bank | 0.01% | 11.11% | |
| Truist Bank | 0.01% | 22.22% | |
| SWBC Mortgage | 0.01% | 11.11% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Regions Bank | -0.00% | 50.00% | |
| Truist Bank | 0.00% | 50.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| SWBC Mortgage | -0.07% | 12.56% | |
| Guild Mortgage Company | -0.06% | 3.26% | |
| loanDepot | -0.04% | 8.84% | |
| CenterState Bank | -0.04% | 1.40% | |
| USAA | -0.04% | 6.05% | |
| Navy Federal Credit Union | -0.03% | 2.33% | |
| Movement Mortgage | -0.03% | 0.93% | |
| MortgageRight | -0.02% | 1.40% | |
| Flagstar Bank | -0.02% | 1.40% | |
| Certainty Home Loans | -0.02% | 0.93% | |
| Home Point Financial Corporation | -0.01% | 3.26% | |
| Stearns Home Loans | -0.01% | 0.47% | |
| Stockton Mortgage | -0.01% | 0.47% | |
| Amerisave Mortgage Corporation | -0.01% | 3.26% | |
| Truist Bank | -0.01% | 0.47% | |
| United Community Bank | -0.01% | 0.93% | |
| Success Mortgage Partners | -0.01% | 0.47% | |
| Prosperity Home Mortgage LLC | -0.00% | 0.47% | |
| Wells Fargo Bank | -0.00% | 0.47% | |
| Ameris Bank | -0.00% | 3.26% | |
| Fairway Independent Mortgage Corporation | 0.00% | 0.93% | |
| PrimeLending | 0.00% | 0.47% | |
| Milend | 0.00% | 0.47% | |
| Bay Equity Home Loans | 0.01% | 0.47% | |
| PennyMac Loan Services | 0.01% | 6.98% | |
| LendUS LLC | 0.01% | 0.47% | |
| JPMorgan Chase Bank | 0.02% | 0.47% | |
| Carrington Mortgage Services | 0.05% | 6.51% | |
| Quicken Loans | 0.05% | 20.93% | |
| Mr. Cooper | 0.05% | 2.79% | |
| Freedom Mortgage Corporation | 0.06% | 4.19% | |
| HomeStar Financial | 0.08% | 2.79% |
* Data is compiled for the Cartersville, GA commuting zone area, which comprises of counties of Bartow County, GA, Chattooga County, GA, Floyd County, GA, Gordon County, GA, Murray County, GA, Polk County, GA, and Whitfield County, GA. This includes cities/towns/communities of Cartersville, GA as well as Rome, GA, Calhoun, GA, Dalton, GA, Euharlee, GA, White, GA, Adairsville, GA, Cedartown, GA, Varnell, GA, Kingston, GA, Braswell, GA, Eton, GA, Cohutta, GA, Chatsworth, GA, Fairmount, GA, Ranger, GA, Lindale, GA, Summerville, GA, Aragon, GA, Resaca, GA, Shannon, GA, Tunnel Hill, GA, Cave Spring, GA, Trion, GA, Lyerly, GA, and Menlo, GA. 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 Cartersville, GA area. For mortgage lender rankings in other cities, click here.