Top Mortgage Lenders in Asheville, NC

Which mortgage lender in the Asheville, 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 Asheville, 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 Asheville, NC area in terms of interest rate is First Bank NC and SC, with an average “Rate Difference” of -0.19%. This means that, comparing similar borrowers, First Bank NC and SC provided a -0.19% lower interest rate for its customers than other lenders in the area. First Bank NC and SC has a market share of 2.7%. On the other hand, the most popular lender in the Asheville, NC area is Quicken Loans, with a larger market share of 12.4%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.15% compared to those of other lenders. We recommend shopping around before going with this popular lender.

Our detailed ranking of mortgage lenders in the Asheville, 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 Asheville, 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 Asheville, NC

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
First Bank NC and SC-0.19%(4.5)2.71%
HomeTrust Bank-0.16%(4.5)4.21%
Bank of America-0.15%(4.0)2.40%
Magnolia Bank-0.15%(4.0)2.43%
SunTrust Bank-0.10%(4.0)2.21%
JPMorgan Chase Bank-0.10%(4.0)1.48%
Champion Credit Union-0.09%(4.0)2.43%
Amerisave Mortgage Corporation-0.08%(4.0)0.40%
Guaranty Home Mortgage Corporation-0.07%(4.0)1.06%
Truist Bank-0.06%(4.0)1.90%
Navy Federal Credit Union-0.06%(4.0)1.01%
Wells Fargo Bank-0.04%(3.5)4.42%
US Bank-0.04%(3.5)0.43%
Fifth Third Bank-0.03%(3.5)0.51%
Flagstar Bank-0.03%(3.5)0.64%
Movement Mortgage-0.02%(3.5)10.06%
Home Point Financial Corporation-0.02%(3.5)0.47%
TD Bank-0.02%(3.5)0.77%
PNC Bank-0.02%(3.5)0.79%
PennyMac Loan Services-0.01%(3.5)1.32%
Atlantic Bay Mortgage Group-0.01%(3.5)4.93%
Guaranteed Rate-0.01%(3.5)2.57%
Caliber Home Loans-0.01%(3.5)0.44%
American Security Mortgage-0.01%(3.5)1.40%
United Community Bank-0.01%(3.5)2.61%
Fairway Independent Mortgage Corporation-0.00%(3.5)1.49%
Cardinal Financial Company0.01%(3.5)0.69%
Carrington Mortgage Services0.03%(3.5)0.57%
Acopia Home Loans0.03%(3.5)1.66%
Freedom Mortgage Corporation0.03%(3.5)0.60%
Local Government Federal Credit Union0.03%(3.5)0.71%
Integrity Mortgage Group0.03%(3.5)1.03%
Union Home Mortgage0.03%(3.5)1.65%
GoPrime Mortgage Inc0.04%(3.5)2.93%
Bank of England AR0.04%(3.5)0.47%
First Citizens Bank0.05%(3.5)2.67%
ALCOVA Mortgage0.05%(3.5)2.47%
State Employees’ Credit Union0.05%(3.0)4.21%
Highlands Residential Mortgage Ltd0.06%(3.0)1.86%
Bay Equity Home Loans0.06%(3.0)1.30%
Supreme Lending0.10%(3.0)0.56%
Telco Community Credit Union0.12%(3.0)0.84%
United Federal Credit Union0.13%(3.0)1.86%
Quicken Loans0.15%(3.0)12.44%
Mr. Cooper0.21%(2.5)1.03%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.20%(4.5)2.68%
First Bank NC and SC-0.15%(4.5)2.40%
HomeTrust Bank-0.14%(4.0)3.56%
Wells Fargo Bank-0.12%(4.0)5.45%
SunTrust Bank-0.11%(4.0)2.70%
JPMorgan Chase Bank-0.09%(4.0)1.35%
Magnolia Bank-0.09%(4.0)1.68%
Guaranty Home Mortgage Corporation-0.07%(4.0)1.77%
Fifth Third Bank-0.07%(4.0)0.37%
Truist Bank-0.06%(4.0)2.12%
Navy Federal Credit Union-0.05%(4.0)1.37%
PennyMac Loan Services-0.04%(3.5)1.07%
Champion Credit Union-0.03%(3.5)1.58%
PNC Bank-0.03%(3.5)0.63%
US Bank-0.03%(3.5)0.37%
Flagstar Bank-0.02%(3.5)0.84%
Caliber Home Loans-0.01%(3.5)0.37%
Freedom Mortgage Corporation-0.01%(3.5)0.33%
Home Point Financial Corporation-0.01%(3.5)0.37%
American Security Mortgage0.00%(3.5)1.44%
Fairway Independent Mortgage Corporation0.00%(3.5)1.96%
Guaranteed Rate0.00%(3.5)3.77%
Movement Mortgage0.01%(3.5)13.20%
Amerisave Mortgage Corporation0.01%(3.5)0.05%
TD Bank0.01%(3.5)0.82%
United Community Bank0.02%(3.5)2.86%
Atlantic Bay Mortgage Group0.02%(3.5)6.94%
Carrington Mortgage Services0.03%(3.5)0.07%
Local Government Federal Credit Union0.03%(3.5)0.35%
ALCOVA Mortgage0.04%(3.5)3.19%
Integrity Mortgage Group0.04%(3.5)1.54%
Mr. Cooper0.05%(3.5)0.40%
First Citizens Bank0.05%(3.5)1.96%
Cardinal Financial Company0.05%(3.0)0.58%
Bank of England AR0.06%(3.0)0.61%
Highlands Residential Mortgage Ltd0.06%(3.0)2.45%
GoPrime Mortgage Inc0.06%(3.0)4.12%
Acopia Home Loans0.06%(3.0)2.21%
Union Home Mortgage0.07%(3.0)2.24%
Telco Community Credit Union0.08%(3.0)0.49%
Bay Equity Home Loans0.09%(3.0)1.77%
Quicken Loans0.10%(3.0)6.10%
Supreme Lending0.11%(3.0)0.79%
State Employees’ Credit Union0.14%(3.0)1.72%
United Federal Credit Union0.18%(2.5)2.03%
Lender NameRate DifferenceRate RatingMarket Share
First Bank NC and SC-0.23%(4.5)3.11%
Magnolia Bank-0.18%(4.5)3.38%
HomeTrust Bank-0.18%(4.5)5.02%
Champion Credit Union-0.13%(4.0)3.49%
Atlantic Bay Mortgage Group-0.13%(4.0)2.41%
JPMorgan Chase Bank-0.10%(4.0)1.64%
Movement Mortgage-0.10%(4.0)6.11%
Union Home Mortgage-0.09%(4.0)0.91%
Amerisave Mortgage Corporation-0.09%(4.0)0.85%
SunTrust Bank-0.08%(4.0)1.58%
Guaranteed Rate-0.07%(4.0)1.06%
Acopia Home Loans-0.07%(4.0)0.97%
Navy Federal Credit Union-0.07%(4.0)0.56%
Bank of America-0.06%(4.0)2.05%
TD Bank-0.05%(4.0)0.70%
Truist Bank-0.05%(3.5)1.61%
United Community Bank-0.05%(3.5)2.29%
GoPrime Mortgage Inc-0.04%(3.5)1.44%
US Bank-0.04%(3.5)0.50%
Flagstar Bank-0.04%(3.5)0.38%
Home Point Financial Corporation-0.03%(3.5)0.59%
American Security Mortgage-0.03%(3.5)1.35%
Cardinal Financial Company-0.02%(3.5)0.82%
Bay Equity Home Loans-0.02%(3.5)0.70%
Caliber Home Loans-0.01%(3.5)0.53%
Fifth Third Bank-0.01%(3.5)0.68%
Fairway Independent Mortgage Corporation-0.01%(3.5)0.91%
Guaranty Home Mortgage Corporation-0.01%(3.5)0.18%
Bank of England AR-0.01%(3.5)0.29%
PNC Bank-0.00%(3.5)1.00%
PennyMac Loan Services0.01%(3.5)1.64%
Integrity Mortgage Group0.01%(3.5)0.38%
Carrington Mortgage Services0.02%(3.5)1.20%
State Employees’ Credit Union0.02%(3.5)7.34%
Local Government Federal Credit Union0.02%(3.5)1.17%
Freedom Mortgage Corporation0.04%(3.5)0.94%
First Citizens Bank0.04%(3.5)3.58%
Highlands Residential Mortgage Ltd0.05%(3.0)1.12%
Supreme Lending0.06%(3.0)0.26%
United Federal Credit Union0.07%(3.0)1.64%
ALCOVA Mortgage0.08%(3.0)1.56%
Telco Community Credit Union0.14%(3.0)1.29%
Wells Fargo Bank0.15%(2.5)3.11%
Quicken Loans0.16%(2.5)20.43%
Mr. Cooper0.25%(2.0)1.82%
Lender NameRate DifferenceRate RatingMarket Share
First Bank NC and SC-0.20%(4.5)3.06%
Bank of America-0.16%(4.5)2.56%
HomeTrust Bank-0.16%(4.5)5.02%
Magnolia Bank-0.15%(4.5)2.73%
SunTrust Bank-0.13%(4.0)2.11%
JPMorgan Chase Bank-0.11%(4.0)1.61%
Amerisave Mortgage Corporation-0.09%(4.0)0.39%
Champion Credit Union-0.09%(4.0)2.83%
Guaranty Home Mortgage Corporation-0.08%(4.0)0.98%
Truist Bank-0.06%(4.0)2.00%
US Bank-0.04%(3.5)0.42%
Wells Fargo Bank-0.04%(3.5)4.78%
Fifth Third Bank-0.03%(3.5)0.53%
Flagstar Bank-0.03%(3.5)0.69%
Home Point Financial Corporation-0.03%(3.5)0.33%
Guaranteed Rate-0.03%(3.5)2.39%
Movement Mortgage-0.02%(3.5)10.28%
TD Bank-0.02%(3.5)0.84%
PNC Bank-0.02%(3.5)0.77%
PennyMac Loan Services-0.02%(3.5)1.03%
Cardinal Financial Company-0.01%(3.5)0.48%
Caliber Home Loans-0.01%(3.5)0.36%
Atlantic Bay Mortgage Group-0.01%(3.5)4.99%
Fairway Independent Mortgage Corporation-0.01%(3.5)1.59%
American Security Mortgage-0.01%(3.5)1.38%
United Community Bank-0.01%(3.5)3.03%
Navy Federal Credit Union-0.00%(3.5)0.56%
GoPrime Mortgage Inc-0.00%(3.5)2.55%
Freedom Mortgage Corporation0.02%(3.5)0.30%
Union Home Mortgage0.03%(3.5)1.69%
Carrington Mortgage Services0.03%(3.5)0.17%
Local Government Federal Credit Union0.03%(3.5)0.86%
Acopia Home Loans0.03%(3.5)1.69%
Integrity Mortgage Group0.04%(3.5)0.83%
ALCOVA Mortgage0.05%(3.5)2.61%
State Employees’ Credit Union0.05%(3.0)5.02%
First Citizens Bank0.05%(3.0)2.88%
Highlands Residential Mortgage Ltd0.06%(3.0)1.73%
Bank of England AR0.06%(3.0)0.42%
Bay Equity Home Loans0.07%(3.0)1.34%
Supreme Lending0.12%(3.0)0.52%
Telco Community Credit Union0.13%(3.0)0.98%
United Federal Credit Union0.15%(3.0)2.02%
Quicken Loans0.19%(2.5)11.70%
Mr. Cooper0.30%(2.0)0.80%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.23%(4.5)2.87%
First Bank NC and SC-0.16%(4.5)2.78%
SunTrust Bank-0.14%(4.0)2.61%
HomeTrust Bank-0.14%(4.0)4.36%
Wells Fargo Bank-0.13%(4.0)5.94%
JPMorgan Chase Bank-0.11%(4.0)1.46%
Magnolia Bank-0.09%(4.0)1.84%
Guaranty Home Mortgage Corporation-0.08%(4.0)1.72%
Fifth Third Bank-0.07%(4.0)0.43%
Truist Bank-0.07%(4.0)2.35%
PennyMac Loan Services-0.05%(3.5)1.21%
US Bank-0.04%(3.5)0.29%
PNC Bank-0.04%(3.5)0.55%
Champion Credit Union-0.03%(3.5)1.81%
Flagstar Bank-0.02%(3.5)0.98%
Caliber Home Loans-0.01%(3.5)0.43%
Home Point Financial Corporation-0.01%(3.5)0.32%
Guaranteed Rate-0.00%(3.5)3.62%
Fairway Independent Mortgage Corporation-0.00%(3.5)2.09%
Amerisave Mortgage Corporation0.01%(3.5)0.06%
TD Bank0.01%(3.5)0.95%
American Security Mortgage0.01%(3.5)1.21%
Freedom Mortgage Corporation0.02%(3.5)0.20%
Movement Mortgage0.02%(3.5)13.54%
GoPrime Mortgage Inc0.02%(3.5)3.39%
United Community Bank0.02%(3.5)3.36%
Navy Federal Credit Union0.03%(3.5)0.75%
Local Government Federal Credit Union0.03%(3.5)0.43%
ALCOVA Mortgage0.03%(3.5)3.39%
Cardinal Financial Company0.04%(3.5)0.43%
Atlantic Bay Mortgage Group0.04%(3.5)6.92%
Integrity Mortgage Group0.05%(3.0)1.26%
Mr. Cooper0.05%(3.0)0.17%
First Citizens Bank0.06%(3.0)2.04%
Highlands Residential Mortgage Ltd0.06%(3.0)2.27%
Union Home Mortgage0.08%(3.0)2.27%
Acopia Home Loans0.08%(3.0)2.21%
Telco Community Credit Union0.09%(3.0)0.55%
Bank of England AR0.09%(3.0)0.55%
Bay Equity Home Loans0.11%(3.0)1.81%
Quicken Loans0.13%(3.0)5.54%
Supreme Lending0.14%(3.0)0.72%
State Employees’ Credit Union0.14%(3.0)2.09%
United Federal Credit Union0.20%(2.5)2.21%
Lender NameRate DifferenceRate RatingMarket Share
First Bank NC and SC-0.25%(4.5)3.40%
Magnolia Bank-0.19%(4.5)3.81%
HomeTrust Bank-0.18%(4.5)5.80%
Atlantic Bay Mortgage Group-0.13%(4.0)2.68%
Champion Credit Union-0.13%(4.0)4.05%
JPMorgan Chase Bank-0.11%(4.0)1.78%
Amerisave Mortgage Corporation-0.11%(4.0)0.79%
Movement Mortgage-0.11%(4.0)6.38%
Union Home Mortgage-0.10%(4.0)1.00%
Guaranteed Rate-0.10%(4.0)0.93%
SunTrust Bank-0.09%(4.0)1.51%
Navy Federal Credit Union-0.08%(4.0)0.34%
Acopia Home Loans-0.07%(4.0)1.06%
TD Bank-0.06%(4.0)0.72%
Bank of America-0.06%(4.0)2.20%
Cardinal Financial Company-0.06%(4.0)0.55%
Flagstar Bank-0.05%(4.0)0.34%
GoPrime Mortgage Inc-0.05%(4.0)1.54%
Truist Bank-0.05%(3.5)1.58%
United Community Bank-0.05%(3.5)2.64%
Home Point Financial Corporation-0.04%(3.5)0.34%
US Bank-0.04%(3.5)0.58%
American Security Mortgage-0.03%(3.5)1.58%
Bay Equity Home Loans-0.02%(3.5)0.79%
Fairway Independent Mortgage Corporation-0.01%(3.5)1.00%
Fifth Third Bank-0.01%(3.5)0.65%
PNC Bank-0.01%(3.5)1.03%
Bank of England AR-0.00%(3.5)0.27%
Caliber Home Loans-0.00%(3.5)0.27%
Guaranty Home Mortgage Corporation0.00%(3.5)0.10%
Freedom Mortgage Corporation0.01%(3.5)0.41%
Integrity Mortgage Group0.01%(3.5)0.31%
State Employees’ Credit Union0.02%(3.5)8.51%
Carrington Mortgage Services0.02%(3.5)0.38%
Local Government Federal Credit Union0.02%(3.5)1.37%
PennyMac Loan Services0.04%(3.5)0.82%
First Citizens Bank0.04%(3.5)3.88%
Highlands Residential Mortgage Ltd0.05%(3.0)1.10%
United Federal Credit Union0.07%(3.0)1.78%
Supreme Lending0.07%(3.0)0.27%
ALCOVA Mortgage0.09%(3.0)1.68%
Telco Community Credit Union0.14%(3.0)1.51%
Wells Fargo Bank0.16%(2.5)3.40%
Quicken Loans0.20%(2.5)19.08%
Mr. Cooper0.33%(2.0)1.54%
Lender NameRate DifferenceRate RatingMarket Share
Movement Mortgage-0.08%(4.0)12.62%
Atlantic Bay Mortgage Group-0.07%(4.0)4.79%
SunTrust Bank-0.07%(4.0)0.80%
Magnolia Bank-0.05%(3.5)0.96%
PNC Bank-0.05%(3.5)0.48%
Quicken Loans-0.05%(3.5)21.73%
First Bank NC and SC-0.05%(3.5)0.64%
Guaranty Home Mortgage Corporation-0.05%(3.5)1.60%
Bank of America-0.04%(3.5)0.64%
Champion Credit Union-0.04%(3.5)0.80%
American Security Mortgage-0.03%(3.5)2.72%
Bank of England AR-0.02%(3.5)0.96%
United Community Bank-0.00%(3.5)0.48%
First Citizens Bank0.00%(3.5)1.76%
Navy Federal Credit Union0.01%(3.5)0.16%
Integrity Mortgage Group0.01%(3.5)3.04%
Home Point Financial Corporation0.01%(3.5)0.96%
Amerisave Mortgage Corporation0.01%(3.5)0.32%
Freedom Mortgage Corporation0.01%(3.5)1.76%
Acopia Home Loans0.01%(3.5)1.44%
Fifth Third Bank0.01%(3.5)0.16%
Carrington Mortgage Services0.01%(3.5)3.04%
Caliber Home Loans0.02%(3.5)0.80%
United Federal Credit Union0.02%(3.5)0.16%
Flagstar Bank0.02%(3.5)0.32%
PennyMac Loan Services0.03%(3.5)1.44%
Bay Equity Home Loans0.04%(3.5)1.76%
Supreme Lending0.04%(3.5)0.96%
Guaranteed Rate0.04%(3.5)3.83%
Highlands Residential Mortgage Ltd0.05%(3.5)2.88%
ALCOVA Mortgage0.05%(3.0)2.40%
Mr. Cooper0.06%(3.0)3.67%
Cardinal Financial Company0.06%(3.0)3.19%
Fairway Independent Mortgage Corporation0.06%(3.0)1.28%
Union Home Mortgage0.07%(3.0)2.08%
GoPrime Mortgage Inc0.15%(2.5)7.83%
Lender NameRate DifferenceRate RatingMarket Share
Movement Mortgage-0.09%(4.0)16.22%
Atlantic Bay Mortgage Group-0.08%(4.0)6.78%
SunTrust Bank-0.07%(4.0)1.21%
Magnolia Bank-0.07%(4.0)1.21%
Guaranty Home Mortgage Corporation-0.06%(4.0)1.94%
PNC Bank-0.06%(4.0)0.73%
Champion Credit Union-0.06%(4.0)0.97%
First Bank NC and SC-0.05%(4.0)0.97%
Freedom Mortgage Corporation-0.05%(3.5)0.97%
Bank of America-0.04%(3.5)0.97%
American Security Mortgage-0.04%(3.5)4.12%
Quicken Loans-0.03%(3.5)10.41%
Bank of England AR-0.03%(3.5)1.45%
Caliber Home Loans-0.01%(3.5)0.24%
United Community Bank-0.01%(3.5)0.73%
Integrity Mortgage Group-0.00%(3.5)3.87%
Navy Federal Credit Union-0.00%(3.5)0.24%
Home Point Financial Corporation-0.00%(3.5)0.73%
First Citizens Bank0.00%(3.5)2.18%
Acopia Home Loans0.01%(3.5)1.94%
Flagstar Bank0.01%(3.5)0.24%
United Federal Credit Union0.01%(3.5)0.24%
Carrington Mortgage Services0.02%(3.5)0.48%
Bay Equity Home Loans0.03%(3.5)2.42%
Supreme Lending0.03%(3.5)1.45%
Guaranteed Rate0.03%(3.5)4.84%
Highlands Residential Mortgage Ltd0.04%(3.5)3.87%
ALCOVA Mortgage0.04%(3.5)2.91%
Mr. Cooper0.05%(3.5)2.42%
Fairway Independent Mortgage Corporation0.05%(3.0)1.94%
Union Home Mortgage0.07%(3.0)2.66%
Cardinal Financial Company0.08%(3.0)2.18%
GoPrime Mortgage Inc0.15%(3.0)11.38%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.05%(3.5)43.66%
Movement Mortgage-0.02%(3.5)5.63%
First Citizens Bank-0.00%(3.5)0.94%
Guaranty Home Mortgage Corporation-0.00%(3.5)0.94%
Atlantic Bay Mortgage Group0.00%(3.5)0.94%
Acopia Home Loans0.02%(3.5)0.47%
Magnolia Bank0.02%(3.5)0.47%
Champion Credit Union0.02%(3.5)0.47%
Amerisave Mortgage Corporation0.02%(3.5)0.94%
Union Home Mortgage0.02%(3.5)0.94%
Home Point Financial Corporation0.03%(3.5)1.41%
Carrington Mortgage Services0.03%(3.5)7.98%
Bay Equity Home Loans0.03%(3.5)0.47%
Fifth Third Bank0.03%(3.5)0.47%
Integrity Mortgage Group0.03%(3.5)1.41%
Caliber Home Loans0.04%(3.5)1.88%
Flagstar Bank0.05%(3.5)0.47%
PennyMac Loan Services0.05%(3.5)4.23%
Cardinal Financial Company0.05%(3.0)5.16%
Freedom Mortgage Corporation0.05%(3.0)3.29%
Highlands Residential Mortgage Ltd0.05%(3.0)0.94%
Guaranteed Rate0.06%(3.0)1.88%
ALCOVA Mortgage0.06%(3.0)1.41%
GoPrime Mortgage Inc0.07%(3.0)0.94%
Mr. Cooper0.07%(3.0)6.10%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.07%(4.0)13.59%
Truist Bank-0.03%(3.5)7.61%
Fifth Third Bank-0.01%(3.5)2.17%
Bank of America-0.01%(3.5)8.70%
US Bank-0.01%(3.5)3.26%
Navy Federal Credit Union-0.00%(3.5)1.09%
SunTrust Bank0.00%(3.5)13.59%
TD Bank0.00%(3.5)2.17%
Quicken Loans0.01%(3.5)3.80%
GoPrime Mortgage Inc0.01%(3.5)0.54%
First Citizens Bank0.01%(3.5)4.35%
Flagstar Bank0.01%(3.5)0.54%
American Security Mortgage0.02%(3.5)0.54%
Fairway Independent Mortgage Corporation0.02%(3.5)0.54%
Atlantic Bay Mortgage Group0.02%(3.5)1.63%
HomeTrust Bank0.02%(3.5)1.63%
PennyMac Loan Services0.02%(3.5)0.54%
JPMorgan Chase Bank0.02%(3.5)5.98%
Movement Mortgage0.02%(3.5)4.35%
PNC Bank0.02%(3.5)3.80%
United Community Bank0.02%(3.5)0.54%
Guaranteed Rate0.03%(3.5)4.89%
First Bank NC and SC0.03%(3.5)2.17%
State Employees’ Credit Union0.03%(3.5)1.63%
Acopia Home Loans0.03%(3.5)1.63%
Integrity Mortgage Group0.04%(3.5)1.09%
United Federal Credit Union0.05%(3.0)7.07%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.08%(4.0)16.24%
Truist Bank-0.01%(3.5)5.13%
US Bank-0.01%(3.5)5.13%
Fifth Third Bank-0.01%(3.5)0.85%
Bank of America-0.00%(3.5)8.55%
Navy Federal Credit Union-0.00%(3.5)1.71%
JPMorgan Chase Bank0.00%(3.5)5.98%
TD Bank0.01%(3.5)1.71%
SunTrust Bank0.01%(3.5)16.24%
Quicken Loans0.01%(3.5)4.27%
GoPrime Mortgage Inc0.02%(3.5)0.85%
First Citizens Bank0.02%(3.5)1.71%
American Security Mortgage0.02%(3.5)0.85%
Atlantic Bay Mortgage Group0.02%(3.5)1.71%
Fairway Independent Mortgage Corporation0.02%(3.5)0.85%
PennyMac Loan Services0.02%(3.5)0.85%
HomeTrust Bank0.02%(3.5)0.85%
Movement Mortgage0.03%(3.5)4.27%
PNC Bank0.03%(3.5)3.42%
State Employees’ Credit Union0.03%(3.5)0.85%
Guaranteed Rate0.03%(3.5)5.98%
Acopia Home Loans0.04%(3.5)1.71%
Integrity Mortgage Group0.05%(3.5)1.71%
United Federal Credit Union0.06%(3.0)7.69%
Lender NameRate DifferenceRate RatingMarket Share
Truist Bank-0.05%(3.5)11.94%
Bank of America-0.03%(3.5)8.96%
Fifth Third Bank-0.02%(3.5)4.48%
Wells Fargo Bank-0.02%(3.5)8.96%
SunTrust Bank-0.02%(3.5)8.96%
TD Bank0.00%(3.5)2.99%
Movement Mortgage0.01%(3.5)4.48%
Flagstar Bank0.01%(3.5)1.49%
First Citizens Bank0.01%(3.5)8.96%
Quicken Loans0.01%(3.5)2.99%
HomeTrust Bank0.01%(3.5)2.99%
PNC Bank0.01%(3.5)4.48%
Atlantic Bay Mortgage Group0.02%(3.5)1.49%
Guaranteed Rate0.02%(3.5)2.99%
United Community Bank0.02%(3.5)1.49%
Acopia Home Loans0.02%(3.5)1.49%
First Bank NC and SC0.03%(3.5)5.97%
State Employees’ Credit Union0.03%(3.5)2.99%
United Federal Credit Union0.04%(3.5)5.97%
JPMorgan Chase Bank0.05%(3.5)5.97%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.12%(4.0)7.93%
Caliber Home Loans-0.05%(3.5)1.22%
Guaranty Home Mortgage Corporation-0.04%(3.5)1.83%
PennyMac Loan Services-0.04%(3.5)5.28%
First Bank NC and SC-0.04%(3.5)1.02%
Bank of America-0.04%(3.5)0.20%
Home Point Financial Corporation-0.03%(3.5)1.83%
Bank of England AR-0.03%(3.5)0.61%
SunTrust Bank-0.02%(3.5)1.02%
Amerisave Mortgage Corporation-0.02%(3.5)0.81%
United Community Bank-0.02%(3.5)0.61%
Cardinal Financial Company-0.02%(3.5)0.41%
PNC Bank-0.02%(3.5)0.41%
Acopia Home Loans-0.01%(3.5)1.63%
Atlantic Bay Mortgage Group-0.01%(3.5)5.69%
Telco Community Credit Union-0.01%(3.5)0.41%
Magnolia Bank-0.01%(3.5)1.22%
First Citizens Bank-0.01%(3.5)0.61%
Champion Credit Union-0.01%(3.5)0.20%
Truist Bank-0.00%(3.5)0.81%
Flagstar Bank-0.00%(3.5)0.41%
Bay Equity Home Loans0.00%(3.5)0.61%
Fairway Independent Mortgage Corporation0.00%(3.5)0.81%
American Security Mortgage0.01%(3.5)0.41%
TD Bank0.01%(3.5)0.20%
Wells Fargo Bank0.01%(3.5)1.83%
Integrity Mortgage Group0.01%(3.5)1.02%
Guaranteed Rate0.02%(3.5)2.44%
Supreme Lending0.02%(3.5)0.81%
Movement Mortgage0.02%(3.5)6.10%
Mr. Cooper0.04%(3.5)1.02%
ALCOVA Mortgage0.04%(3.5)1.63%
Carrington Mortgage Services0.04%(3.5)2.85%
Union Home Mortgage0.05%(3.5)1.22%
Freedom Mortgage Corporation0.05%(3.5)3.25%
Highlands Residential Mortgage Ltd0.07%(3.0)2.85%
GoPrime Mortgage Inc0.08%(3.0)2.64%
Quicken Loans0.10%(3.0)13.41%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.13%(4.0)10.75%
Guaranty Home Mortgage Corporation-0.04%(3.5)2.87%
Freedom Mortgage Corporation-0.03%(3.5)1.08%
Bank of America-0.03%(3.5)0.36%
SunTrust Bank-0.02%(3.5)0.36%
Home Point Financial Corporation-0.02%(3.5)0.72%
First Bank NC and SC-0.01%(3.5)0.72%
Bank of England AR-0.01%(3.5)0.36%
PennyMac Loan Services-0.01%(3.5)1.08%
United Community Bank-0.01%(3.5)1.08%
Mr. Cooper-0.01%(3.5)0.36%
Cardinal Financial Company-0.01%(3.5)0.36%
PNC Bank-0.01%(3.5)0.36%
Acopia Home Loans-0.01%(3.5)2.87%
Magnolia Bank-0.01%(3.5)1.08%
Atlantic Bay Mortgage Group-0.00%(3.5)9.68%
Telco Community Credit Union-0.00%(3.5)0.72%
Champion Credit Union-0.00%(3.5)0.36%
First Citizens Bank0.00%(3.5)0.72%
Truist Bank0.00%(3.5)1.08%
Flagstar Bank0.01%(3.5)0.36%
Bay Equity Home Loans0.01%(3.5)1.08%
Fairway Independent Mortgage Corporation0.01%(3.5)0.72%
American Security Mortgage0.01%(3.5)0.72%
Wells Fargo Bank0.02%(3.5)2.87%
Carrington Mortgage Services0.02%(3.5)0.36%
Integrity Mortgage Group0.02%(3.5)1.43%
Guaranteed Rate0.03%(3.5)3.23%
Supreme Lending0.03%(3.5)1.08%
ALCOVA Mortgage0.05%(3.0)2.51%
Union Home Mortgage0.05%(3.0)2.15%
Movement Mortgage0.05%(3.0)8.24%
Quicken Loans0.08%(3.0)7.53%
Highlands Residential Mortgage Ltd0.08%(3.0)3.58%
GoPrime Mortgage Inc0.09%(3.0)3.94%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.07%(4.0)4.23%
Movement Mortgage-0.06%(4.0)3.29%
Caliber Home Loans-0.06%(4.0)2.82%
First Bank NC and SC-0.05%(4.0)1.41%
PennyMac Loan Services-0.05%(3.5)10.80%
Home Point Financial Corporation-0.04%(3.5)3.29%
Bank of England AR-0.04%(3.5)0.94%
SunTrust Bank-0.03%(3.5)1.88%
Amerisave Mortgage Corporation-0.03%(3.5)1.88%
Cardinal Financial Company-0.02%(3.5)0.47%
PNC Bank-0.02%(3.5)0.47%
First Citizens Bank-0.02%(3.5)0.47%
Truist Bank-0.02%(3.5)0.47%
Magnolia Bank-0.01%(3.5)1.41%
Flagstar Bank-0.01%(3.5)0.47%
Guaranteed Rate-0.01%(3.5)1.41%
Guaranty Home Mortgage Corporation-0.01%(3.5)0.47%
Atlantic Bay Mortgage Group-0.01%(3.5)0.47%
Supreme Lending-0.01%(3.5)0.47%
Fairway Independent Mortgage Corporation-0.01%(3.5)0.94%
ALCOVA Mortgage-0.00%(3.5)0.47%
Integrity Mortgage Group-0.00%(3.5)0.47%
TD Bank0.00%(3.5)0.47%
GoPrime Mortgage Inc0.00%(3.5)0.94%
Wells Fargo Bank0.01%(3.5)0.47%
Carrington Mortgage Services0.04%(3.5)6.10%
Highlands Residential Mortgage Ltd0.04%(3.5)1.88%
Mr. Cooper0.04%(3.5)1.88%
Freedom Mortgage Corporation0.06%(3.0)6.10%
Quicken Loans0.10%(3.0)21.13%

* Data is compiled for the Asheville, NC commuting zone area, which comprises of counties of Buncombe County, NC, Haywood County, NC, Henderson County, NC, Madison County, NC, and Transylvania County, NC. This includes cities/towns/communities of Asheville, NC as well as Fletcher, NC, Hendersonville, NC, Waynesville, NC, Black Mountain, NC, Etowah, NC, Weaverville, NC, Fairview, NC, Brevard, NC, Dana, NC, Mills River, NC, Avery Creek, NC, Woodfin, NC, Royal Pines, NC, Canton, NC, Swannanoa, NC, Mars Hill, NC, Maggie Valley, NC, Valley Hill, NC, Clyde, NC, Fruitland, NC, Flat Rock, NC, Horse Shoe, NC, Mountain Home, NC, Edneyville, NC, Lake Junaluska, NC, East Flat Rock, NC, Laurel Park, NC, Saluda, NC, Rosman, NC, Balfour, NC, Marshall, NC, Biltmore Forest, NC, West Canton, NC, and Hot Springs, 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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