Top Mortgage Lenders in Wilmington, NC

Which mortgage lender in the Wilmington, NC area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Wilmington, NC area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Wilmington, NC area is Corning Federal Credit Union, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.19%. This means that Corning Federal Credit Union provided a -0.19% lower interest rate for its customers than other lenders in Wilmington, NC for a similar set of borrowers. Corning Federal Credit Union has a market share of 2.7%. On the other hand, the most popular lender in the market is Guaranteed Rate Inc, with a market share of 11.3%. Guaranteed Rate Inc is an average rate lender in this area, with a “Rate Difference” of -0.05% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Wilmington, 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 Wilmington, NC is North State Bank. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), 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 Caliber Home Loans Inc. The cheapest VA mortgage provider is Navy Federal Credit Union. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Wilmington, NC

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Corning Federal Credit Union 1, -0.19% 2.74%
North State Bank 2, -0.16% 1.45%
Bank of America 3, -0.15% 1.79%
DHI Mortgage Company Limited 4, -0.15% 2.10%
Provident Funding Associates 5, -0.11% 0.45%
Pulte Mortgage 6, -0.09% 0.60%
First National Bank of Pennsylvania 7, -0.08% 1.57%
Caliber Home Loans Inc 8, -0.08% 1.85%
Northpointe Bank 9, -0.07% 0.73%
Pnc Bank 10, -0.07% 1.83%
Amerisave Mortgage Corporation 11, -0.07% 0.36%
Plaza Home Mortgage Inc 12, -0.06% 0.50%
JPMorgan Chase Bank 13, -0.06% 1.47%
Truist Bank 14, -0.06% 4.06%
American Security Mortgage Corporation 15, -0.05% 1.21%
Sharonview Federal CU 16, -0.05% 0.36%
Wells Fargo Bank 17, -0.05% 4.99%
Guaranteed Rate Inc 18, -0.05% 11.33%
First Bank 19, -0.05% 0.99%
Suntrust Banks, Inc 20, -0.04% 1.29%
Union Home Mortgage Company 21, -0.03% 1.70%
Pennymac Loan Services 22, -0.03% 0.75%
South State Bank 23, -0.03% 1.06%
Coastal Credit Union 24, -0.03% 0.40%
Us Bank 25, -0.02% 0.48%
Home Point Financial Corporation 26, -0.01% 0.37%
Brand Mortgage 27, -0.01% 0.44%
On Q Financial Inc 28, -0.01% 4.16%
Homestead Funding Corp 29, -0.01% 0.74%
Renasant Bank 30, -0.01% 0.45%
Sierra Pacific Mortgage 31, -0.00% 0.51%
TowneBank 32, -0.00% 3.73%
Freedom Mortgage Corporation 33, -0.00% 1.47%
Citizens Bank 34, 0.00% 0.77%
Stearns Lending 35, 0.00% 0.33%
Gateway First Bank 36, 0.00% 0.49%
Equity Resources Inc 37, 0.01% 1.52%
CMG Mortgage Inc 38, 0.01% 0.38%
Resource Financial Services, Inc 39, 0.01% 0.48%
LoanDepot 40, 0.02% 1.02%
Land Home Financial Services Inc 41, 0.03% 0.34%
Carrington Mortgage Services 42, 0.03% 0.50%
Movement Mortgage 43, 0.03% 3.57%
First-Citizens Bank & Trust Co 44, 0.03% 1.52%
Usaa Federal Savings Bank 45, 0.03% 1.45%
Homeside Financial 46, 0.04% 1.26%
Navy Federal Credit Union 47, 0.04% 1.89%
Cardinal Financial Company LP 48, 0.05% 0.45%
Potomac Mortgage Group, Inc 49, 0.05% 1.99%
Newrez 50, 0.07% 0.57%
Atlantic Bay Mortgage Group 51, 0.07% 4.91%
Blue Ridge Bank 52, 0.07% 0.42%
Highlands Residential Mortgage Ltd 53, 0.07% 2.41%
State Employees’ Credit Union 54, 0.10% 2.55%
Fairway Independent Mort Corp 55, 0.11% 1.19%
Nationstar Mortgage 56, 0.15% 0.72%
Quicken Loans 57, 0.16% 8.86%
Angel Oak Home Loans 58, 0.17% 2.44%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.21% 1.72%
North State Bank 2, -0.19% 1.48%
Corning Federal Credit Union 3, -0.17% 1.69%
DHI Mortgage Company Limited 4, -0.14% 3.14%
Pnc Bank 5, -0.13% 1.32%
First National Bank of Pennsylvania 6, -0.11% 1.14%
Wells Fargo Bank 7, -0.09% 5.37%
Pulte Mortgage 8, -0.08% 0.89%
Freedom Mortgage Corporation 9, -0.08% 1.18%
Caliber Home Loans Inc 10, -0.07% 1.81%
JPMorgan Chase Bank 11, -0.07% 1.17%
Northpointe Bank 12, -0.07% 0.48%
Truist Bank 13, -0.06% 4.30%
First Bank 14, -0.06% 0.80%
Suntrust Banks, Inc 15, -0.05% 1.37%
American Security Mortgage Corporation 16, -0.05% 1.32%
Provident Funding Associates 17, -0.05% 0.26%
Sharonview Federal CU 18, -0.04% 0.23%
Us Bank 19, -0.03% 0.49%
Pennymac Loan Services 20, -0.03% 0.11%
Guaranteed Rate Inc 21, -0.02% 13.45%
Union Home Mortgage Company 22, -0.02% 1.98%
Home Point Financial Corporation 23, -0.02% 0.29%
Coastal Credit Union 24, -0.01% 0.42%
Plaza Home Mortgage Inc 25, -0.01% 0.42%
Renasant Bank 26, -0.00% 0.45%
Brand Mortgage 27, -0.00% 0.52%
South State Bank 28, -0.00% 0.98%
Homestead Funding Corp 29, -0.00% 0.97%
LoanDepot 30, -0.00% 0.20%
On Q Financial Inc 31, 0.00% 5.50%
TowneBank 32, 0.00% 4.04%
Stearns Lending 33, 0.01% 0.38%
Gateway First Bank 34, 0.01% 0.57%
Amerisave Mortgage Corporation 35, 0.01% 0.06%
CMG Mortgage Inc 36, 0.01% 0.46%
Resource Financial Services, Inc 37, 0.02% 0.54%
Sierra Pacific Mortgage 38, 0.02% 0.51%
Equity Resources Inc 39, 0.02% 1.83%
Homeside Financial 40, 0.03% 1.51%
Land Home Financial Services Inc 41, 0.03% 0.38%
Citizens Bank 42, 0.04% 0.71%
Movement Mortgage 43, 0.05% 4.41%
Usaa Federal Savings Bank 44, 0.05% 1.66%
Navy Federal Credit Union 45, 0.05% 2.35%
Carrington Mortgage Services 46, 0.06% 0.14%
First-Citizens Bank & Trust Co 47, 0.06% 1.34%
Nationstar Mortgage 48, 0.06% 0.37%
Potomac Mortgage Group, Inc 49, 0.07% 2.64%
Newrez 50, 0.08% 0.20%
Cardinal Financial Company LP 51, 0.08% 0.38%
Atlantic Bay Mortgage Group 52, 0.09% 6.07%
Highlands Residential Mortgage Ltd 53, 0.10% 2.83%
Blue Ridge Bank 54, 0.10% 0.46%
Fairway Independent Mort Corp 55, 0.14% 1.43%
Quicken Loans 56, 0.15% 4.53%
State Employees’ Credit Union 57, 0.16% 1.57%
Angel Oak Home Loans 58, 0.18% 3.17%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Corning Federal Credit Union 1, -0.21% 4.85%
Provident Funding Associates 2, -0.16% 0.84%
Guaranteed Rate Inc 3, -0.13% 7.03%
Plaza Home Mortgage Inc 4, -0.13% 0.68%
North State Bank 5, -0.12% 1.40%
Northpointe Bank 6, -0.09% 1.24%
Amerisave Mortgage Corporation 7, -0.08% 0.96%
Union Home Mortgage Company 8, -0.08% 1.12%
Caliber Home Loans Inc 9, -0.08% 1.93%
On Q Financial Inc 10, -0.07% 1.43%
Sharonview Federal CU 11, -0.07% 0.62%
South State Bank 12, -0.07% 1.21%
American Security Mortgage Corporation 13, -0.07% 1.00%
First National Bank of Pennsylvania 14, -0.06% 2.46%
Coastal Credit Union 15, -0.06% 0.37%
Citizens Bank 16, -0.06% 0.90%
Bank of America 17, -0.06% 1.93%
JPMorgan Chase Bank 18, -0.05% 2.08%
Sierra Pacific Mortgage 19, -0.04% 0.53%
Movement Mortgage 20, -0.04% 1.87%
Pennymac Loan Services 21, -0.04% 2.05%
Truist Bank 22, -0.03% 3.58%
Homestead Funding Corp 23, -0.03% 0.28%
First Bank 24, -0.03% 1.37%
Equity Resources Inc 25, -0.03% 0.90%
Brand Mortgage 26, -0.02% 0.28%
Pnc Bank 27, -0.02% 2.86%
Potomac Mortgage Group, Inc 28, -0.02% 0.65%
Usaa Federal Savings Bank 29, -0.02% 1.03%
TowneBank 30, -0.02% 3.11%
Suntrust Banks, Inc 31, -0.01% 1.12%
Renasant Bank 32, -0.01% 0.47%
Home Point Financial Corporation 33, -0.01% 0.53%
Stearns Lending 34, -0.01% 0.22%
CMG Mortgage Inc 35, -0.01% 0.22%
Highlands Residential Mortgage Ltd 36, -0.01% 1.56%
Us Bank 37, -0.01% 0.47%
First-Citizens Bank & Trust Co 38, -0.01% 1.90%
Gateway First Bank 39, -0.01% 0.34%
Fairway Independent Mort Corp 40, -0.00% 0.72%
Navy Federal Credit Union 41, 0.00% 0.96%
Blue Ridge Bank 42, 0.00% 0.34%
Resource Financial Services, Inc 43, 0.00% 0.37%
Cardinal Financial Company LP 44, 0.01% 0.59%
LoanDepot 45, 0.01% 2.68%
Land Home Financial Services Inc 46, 0.01% 0.25%
Atlantic Bay Mortgage Group 47, 0.01% 2.55%
Carrington Mortgage Services 48, 0.01% 1.24%
State Employees’ Credit Union 49, 0.06% 4.54%
Wells Fargo Bank 50, 0.06% 4.23%
Newrez 51, 0.06% 1.31%
Homeside Financial 52, 0.07% 0.75%
Freedom Mortgage Corporation 53, 0.09% 2.05%
Angel Oak Home Loans 54, 0.15% 0.96%
Quicken Loans 55, 0.16% 17.61%
Nationstar Mortgage 56, 0.18% 1.43%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
North State Bank 1, -0.20% 1.52%
DHI Mortgage Company Limited 2, -0.19% 1.97%
Corning Federal Credit Union 3, -0.19% 3.62%
Bank of America 4, -0.18% 2.04%
Provident Funding Associates 5, -0.12% 0.60%
Pulte Mortgage 6, -0.09% 0.75%
First National Bank of Pennsylvania 7, -0.09% 1.71%
Northpointe Bank 8, -0.08% 0.86%
Pnc Bank 9, -0.08% 2.15%
Amerisave Mortgage Corporation 10, -0.08% 0.42%
JPMorgan Chase Bank 11, -0.08% 1.63%
American Security Mortgage Corporation 12, -0.07% 1.25%
Caliber Home Loans Inc 13, -0.06% 1.33%
Suntrust Banks, Inc 14, -0.06% 1.32%
Truist Bank 15, -0.06% 4.75%
Sharonview Federal CU 16, -0.06% 0.45%
Wells Fargo Bank 17, -0.06% 5.66%
First Bank 18, -0.05% 1.16%
On Q Financial Inc 19, -0.05% 4.03%
Guaranteed Rate Inc 20, -0.05% 10.27%
Union Home Mortgage Company 21, -0.04% 1.85%
Us Bank 22, -0.04% 0.48%
South State Bank 23, -0.03% 1.33%
Coastal Credit Union 24, -0.03% 0.53%
Brand Mortgage 25, -0.02% 0.50%
Homestead Funding Corp 26, -0.01% 0.87%
Renasant Bank 27, -0.01% 0.48%
Gateway First Bank 28, -0.01% 0.42%
Home Point Financial Corporation 29, -0.01% 0.23%
Land Home Financial Services Inc 30, -0.00% 0.23%
CMG Mortgage Inc 31, -0.00% 0.27%
Citizens Bank 32, -0.00% 0.88%
TowneBank 33, -0.00% 4.18%
Sierra Pacific Mortgage 34, -0.00% 0.49%
Stearns Lending 35, 0.00% 0.31%
Plaza Home Mortgage Inc 36, 0.01% 0.12%
Equity Resources Inc 37, 0.01% 1.35%
Pennymac Loan Services 38, 0.01% 0.33%
Carrington Mortgage Services 39, 0.01% 0.15%
Resource Financial Services, Inc 40, 0.01% 0.37%
Usaa Federal Savings Bank 41, 0.02% 0.73%
LoanDepot 42, 0.02% 0.78%
First-Citizens Bank & Trust Co 43, 0.03% 1.73%
Homeside Financial 44, 0.04% 1.17%
Potomac Mortgage Group, Inc 45, 0.05% 2.19%
Cardinal Financial Company LP 46, 0.05% 0.45%
Freedom Mortgage Corporation 47, 0.05% 0.94%
Movement Mortgage 48, 0.06% 3.24%
Highlands Residential Mortgage Ltd 49, 0.07% 2.61%
Atlantic Bay Mortgage Group 50, 0.08% 4.64%
Blue Ridge Bank 51, 0.08% 0.41%
Newrez 52, 0.10% 0.49%
State Employees’ Credit Union 53, 0.10% 3.35%
Fairway Independent Mort Corp 54, 0.13% 1.21%
Quicken Loans 55, 0.19% 9.02%
Angel Oak Home Loans 56, 0.21% 2.35%
Navy Federal Credit Union 57, 0.22% 1.32%
Nationstar Mortgage 58, 0.23% 0.49%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.24% 1.99%
North State Bank 2, -0.22% 1.56%
DHI Mortgage Company Limited 3, -0.19% 3.01%
Corning Federal Credit Union 4, -0.17% 2.29%
Pnc Bank 5, -0.15% 1.56%
First National Bank of Pennsylvania 6, -0.13% 1.18%
JPMorgan Chase Bank 7, -0.11% 1.18%
Wells Fargo Bank 8, -0.10% 6.09%
Pulte Mortgage 9, -0.09% 1.14%
Northpointe Bank 10, -0.08% 0.50%
Suntrust Banks, Inc 11, -0.08% 1.33%
First Bank 12, -0.08% 0.87%
American Security Mortgage Corporation 13, -0.07% 1.29%
Truist Bank 14, -0.07% 5.15%
Caliber Home Loans Inc 15, -0.06% 1.39%
Us Bank 16, -0.05% 0.50%
Provident Funding Associates 17, -0.05% 0.35%
Sharonview Federal CU 18, -0.04% 0.29%
On Q Financial Inc 19, -0.04% 5.32%
Pennymac Loan Services 20, -0.03% 0.15%
Union Home Mortgage Company 21, -0.02% 2.12%
Guaranteed Rate Inc 22, -0.02% 12.28%
Land Home Financial Services Inc 23, -0.01% 0.21%
LoanDepot 24, -0.01% 0.15%
Coastal Credit Union 25, -0.01% 0.56%
Gateway First Bank 26, -0.01% 0.48%
Renasant Bank 27, -0.01% 0.44%
Home Point Financial Corporation 28, -0.01% 0.25%
Brand Mortgage 29, -0.01% 0.60%
Freedom Mortgage Corporation 30, -0.01% 0.66%
South State Bank 31, -0.00% 1.29%
Homestead Funding Corp 32, -0.00% 1.16%
CMG Mortgage Inc 33, 0.00% 0.33%
Amerisave Mortgage Corporation 34, 0.01% 0.08%
TowneBank 35, 0.01% 4.61%
Stearns Lending 36, 0.01% 0.35%
Resource Financial Services, Inc 37, 0.01% 0.39%
Plaza Home Mortgage Inc 38, 0.02% 0.15%
Equity Resources Inc 39, 0.02% 1.66%
Sierra Pacific Mortgage 40, 0.03% 0.46%
Homeside Financial 41, 0.04% 1.37%
Usaa Federal Savings Bank 42, 0.04% 0.77%
Carrington Mortgage Services 43, 0.04% 0.06%
Citizens Bank 44, 0.04% 0.85%
Potomac Mortgage Group, Inc 45, 0.06% 3.01%
First-Citizens Bank & Trust Co 46, 0.07% 1.56%
Movement Mortgage 47, 0.08% 4.03%
Cardinal Financial Company LP 48, 0.09% 0.37%
Newrez 49, 0.09% 0.23%
Nationstar Mortgage 50, 0.09% 0.15%
Highlands Residential Mortgage Ltd 51, 0.10% 3.03%
Atlantic Bay Mortgage Group 52, 0.10% 5.67%
Blue Ridge Bank 53, 0.12% 0.42%
Fairway Independent Mort Corp 54, 0.15% 1.60%
State Employees’ Credit Union 55, 0.16% 2.08%
Quicken Loans 56, 0.18% 4.72%
Angel Oak Home Loans 57, 0.22% 3.01%
Navy Federal Credit Union 58, 0.26% 1.68%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Corning Federal Credit Union 1, -0.21% 6.15%
Provident Funding Associates 2, -0.17% 1.06%
North State Bank 3, -0.14% 1.46%
Guaranteed Rate Inc 4, -0.14% 6.47%
Amerisave Mortgage Corporation 5, -0.10% 1.06%
On Q Financial Inc 6, -0.09% 1.58%
Northpointe Bank 7, -0.09% 1.54%
Union Home Mortgage Company 8, -0.09% 1.34%
South State Bank 9, -0.08% 1.42%
Caliber Home Loans Inc 10, -0.08% 1.22%
Sharonview Federal CU 11, -0.08% 0.75%
Citizens Bank 12, -0.08% 0.95%
American Security Mortgage Corporation 13, -0.07% 1.18%
First National Bank of Pennsylvania 14, -0.07% 2.72%
Bank of America 15, -0.07% 2.13%
Coastal Credit Union 16, -0.06% 0.47%
JPMorgan Chase Bank 17, -0.05% 2.48%
Sierra Pacific Mortgage 18, -0.05% 0.55%
Movement Mortgage 19, -0.04% 1.74%
Equity Resources Inc 20, -0.04% 0.75%
Homestead Funding Corp 21, -0.04% 0.32%
First Bank 22, -0.04% 1.70%
Truist Bank 23, -0.04% 3.98%
Brand Mortgage 24, -0.03% 0.32%
Usaa Federal Savings Bank 25, -0.03% 0.67%
TowneBank 26, -0.03% 3.35%
Plaza Home Mortgage Inc 27, -0.03% 0.08%
Pnc Bank 28, -0.03% 3.27%
Potomac Mortgage Group, Inc 29, -0.03% 0.63%
Suntrust Banks, Inc 30, -0.02% 1.30%
Us Bank 31, -0.02% 0.43%
Renasant Bank 32, -0.02% 0.55%
First-Citizens Bank & Trust Co 33, -0.02% 2.05%
Stearns Lending 34, -0.02% 0.24%
Highlands Residential Mortgage Ltd 35, -0.02% 1.81%
CMG Mortgage Inc 36, -0.01% 0.16%
Gateway First Bank 37, -0.01% 0.32%
Carrington Mortgage Services 38, -0.01% 0.32%
Blue Ridge Bank 39, -0.00% 0.39%
Home Point Financial Corporation 40, 0.00% 0.20%
Cardinal Financial Company LP 41, 0.01% 0.59%
Resource Financial Services, Inc 42, 0.01% 0.32%
Land Home Financial Services Inc 43, 0.01% 0.28%
Atlantic Bay Mortgage Group 44, 0.01% 2.68%
LoanDepot 45, 0.01% 1.97%
Pennymac Loan Services 46, 0.01% 0.67%
Fairway Independent Mort Corp 47, 0.01% 0.47%
Navy Federal Credit Union 48, 0.04% 0.63%
State Employees’ Credit Union 49, 0.05% 5.76%
Wells Fargo Bank 50, 0.06% 4.85%
Homeside Financial 51, 0.08% 0.79%
Newrez 52, 0.09% 0.99%
Freedom Mortgage Corporation 53, 0.10% 1.46%
Angel Oak Home Loans 54, 0.16% 1.10%
Quicken Loans 55, 0.19% 17.19%
Nationstar Mortgage 56, 0.25% 1.14%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.11% 3.71%
North State Bank 2, -0.10% 1.30%
TowneBank 3, -0.09% 2.51%
DHI Mortgage Company Limited 4, -0.09% 2.91%
Freedom Mortgage Corporation 5, -0.09% 3.51%
Movement Mortgage 6, -0.07% 6.92%
Pnc Bank 7, -0.06% 0.60%
First National Bank of Pennsylvania 8, -0.05% 0.30%
Pennymac Loan Services 9, -0.05% 1.30%
Equity Resources Inc 10, -0.04% 2.71%
Plaza Home Mortgage Inc 11, -0.03% 1.40%
Navy Federal Credit Union 12, -0.02% 0.30%
Quicken Loans 13, -0.02% 11.03%
Sierra Pacific Mortgage 14, -0.02% 1.10%
Northpointe Bank 15, -0.02% 0.60%
Renasant Bank 16, -0.02% 0.20%
Newrez 17, -0.01% 0.90%
Suntrust Banks, Inc 18, -0.01% 0.40%
Citizens Bank 19, -0.01% 0.10%
Stearns Lending 20, -0.01% 0.50%
Homestead Funding Corp 21, -0.01% 0.30%
American Security Mortgage Corporation 22, -0.00% 1.30%
Amerisave Mortgage Corporation 23, 0.00% 0.10%
South State Bank 24, 0.00% 0.10%
Brand Mortgage 25, 0.00% 0.40%
Resource Financial Services, Inc 26, 0.00% 1.10%
Union Home Mortgage Company 27, 0.00% 1.30%
Homeside Financial 28, 0.01% 2.31%
Atlantic Bay Mortgage Group 29, 0.01% 6.62%
First Bank 30, 0.01% 0.20%
Bank of America 31, 0.01% 0.10%
Carrington Mortgage Services 32, 0.01% 2.31%
Us Bank 33, 0.01% 0.10%
Home Point Financial Corporation 34, 0.02% 0.60%
CMG Mortgage Inc 35, 0.02% 0.70%
First-Citizens Bank & Trust Co 36, 0.02% 0.20%
Guaranteed Rate Inc 37, 0.03% 14.44%
Gateway First Bank 38, 0.03% 1.10%
LoanDepot 39, 0.05% 1.40%
Blue Ridge Bank 40, 0.05% 0.50%
Nationstar Mortgage 41, 0.06% 2.61%
Fairway Independent Mort Corp 42, 0.06% 1.50%
Cardinal Financial Company LP 43, 0.07% 0.70%
Angel Oak Home Loans 44, 0.07% 4.31%
Land Home Financial Services Inc 45, 0.07% 1.10%
Highlands Residential Mortgage Ltd 46, 0.08% 2.81%
On Q Financial Inc 47, 0.08% 7.82%
Wells Fargo Bank 48, 0.08% 0.40%
Potomac Mortgage Group, Inc 49, 0.09% 1.20%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Freedom Mortgage Corporation 1, -0.16% 3.17%
Caliber Home Loans Inc 2, -0.12% 3.93%
North State Bank 3, -0.11% 1.52%
TowneBank 4, -0.10% 3.05%
DHI Mortgage Company Limited 5, -0.09% 3.68%
Pnc Bank 6, -0.07% 0.63%
Movement Mortgage 7, -0.07% 7.61%
First National Bank of Pennsylvania 8, -0.05% 0.38%
Equity Resources Inc 9, -0.05% 2.79%
Plaza Home Mortgage Inc 10, -0.03% 1.40%
Northpointe Bank 11, -0.03% 0.63%
Navy Federal Credit Union 12, -0.02% 0.38%
Sierra Pacific Mortgage 13, -0.02% 1.14%
Suntrust Banks, Inc 14, -0.02% 0.38%
Renasant Bank 15, -0.02% 0.25%
Citizens Bank 16, -0.01% 0.13%
Stearns Lending 17, -0.01% 0.63%
Homestead Funding Corp 18, -0.01% 0.38%
Brand Mortgage 19, -0.00% 0.38%
Quicken Loans 20, -0.00% 5.20%
American Security Mortgage Corporation 21, -0.00% 1.65%
South State Bank 22, 0.00% 0.13%
Union Home Mortgage Company 23, 0.00% 1.52%
Home Point Financial Corporation 24, 0.00% 0.25%
Homeside Financial 25, 0.00% 2.79%
Resource Financial Services, Inc 26, 0.01% 1.14%
Atlantic Bay Mortgage Group 27, 0.01% 7.87%
First Bank 28, 0.01% 0.25%
Bank of America 29, 0.01% 0.13%
Us Bank 30, 0.01% 0.13%
Newrez 31, 0.01% 0.13%
LoanDepot 32, 0.01% 0.51%
CMG Mortgage Inc 33, 0.02% 0.89%
Carrington Mortgage Services 34, 0.02% 0.25%
First-Citizens Bank & Trust Co 35, 0.02% 0.25%
Guaranteed Rate Inc 36, 0.03% 17.13%
Gateway First Bank 37, 0.03% 1.27%
Nationstar Mortgage 38, 0.04% 1.65%
Blue Ridge Bank 39, 0.05% 0.63%
Land Home Financial Services Inc 40, 0.07% 1.40%
Angel Oak Home Loans 41, 0.07% 5.33%
Fairway Independent Mort Corp 42, 0.07% 1.52%
Cardinal Financial Company LP 43, 0.08% 0.76%
Highlands Residential Mortgage Ltd 44, 0.08% 3.43%
On Q Financial Inc 45, 0.08% 9.39%
Wells Fargo Bank 46, 0.08% 0.51%
Potomac Mortgage Group, Inc 47, 0.09% 1.40%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Movement Mortgage 1, -0.08% 4.31%
Pennymac Loan Services 2, -0.04% 6.22%
Plaza Home Mortgage Inc 3, -0.04% 1.44%
Quicken Loans 4, -0.03% 33.01%
Caliber Home Loans Inc 5, -0.02% 2.87%
Newrez 6, -0.01% 3.83%
Equity Resources Inc 7, -0.01% 2.39%
Atlantic Bay Mortgage Group 8, -0.01% 1.91%
Sierra Pacific Mortgage 9, -0.01% 0.96%
Pnc Bank 10, -0.00% 0.48%
Resource Financial Services, Inc 11, -0.00% 0.96%
Highlands Residential Mortgage Ltd 12, -0.00% 0.48%
Gateway First Bank 13, -0.00% 0.48%
North State Bank 14, 0.00% 0.48%
Amerisave Mortgage Corporation 15, 0.00% 0.48%
Angel Oak Home Loans 16, 0.00% 0.48%
Cardinal Financial Company LP 17, 0.01% 0.48%
Northpointe Bank 18, 0.01% 0.48%
Homeside Financial 19, 0.02% 0.48%
Union Home Mortgage Company 20, 0.02% 0.48%
Suntrust Banks, Inc 21, 0.02% 0.48%
Carrington Mortgage Services 22, 0.02% 10.05%
TowneBank 23, 0.02% 0.48%
Home Point Financial Corporation 24, 0.03% 1.91%
Fairway Independent Mort Corp 25, 0.03% 1.44%
Brand Mortgage 26, 0.03% 0.48%
Guaranteed Rate Inc 27, 0.03% 4.31%
Potomac Mortgage Group, Inc 28, 0.03% 0.48%
On Q Financial Inc 29, 0.06% 1.91%
LoanDepot 30, 0.07% 4.78%
Nationstar Mortgage 31, 0.07% 6.22%
Freedom Mortgage Corporation 32, 0.11% 4.78%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.05% 15.00%
Truist Bank 2, -0.05% 11.33%
Bank of America 3, -0.02% 7.33%
First National Bank of Pennsylvania 4, -0.02% 7.00%
First Bank 5, -0.01% 2.00%
Sharonview Federal CU 6, 0.00% 0.67%
Citizens Bank 7, 0.01% 1.67%
Quicken Loans 8, 0.01% 1.67%
Pnc Bank 9, 0.01% 3.00%
Equity Resources Inc 10, 0.01% 0.67%
Homeside Financial 11, 0.01% 0.33%
Resource Financial Services, Inc 12, 0.02% 0.67%
Navy Federal Credit Union 13, 0.02% 2.00%
Atlantic Bay Mortgage Group 14, 0.02% 4.67%
Caliber Home Loans Inc 15, 0.02% 0.33%
Fairway Independent Mort Corp 16, 0.02% 0.33%
North State Bank 17, 0.02% 1.33%
Cardinal Financial Company LP 18, 0.02% 0.33%
Blue Ridge Bank 19, 0.02% 0.67%
Movement Mortgage 20, 0.02% 0.67%
South State Bank 21, 0.03% 1.00%
Northpointe Bank 22, 0.03% 0.67%
First-Citizens Bank & Trust Co 23, 0.03% 5.33%
Suntrust Banks, Inc 24, 0.03% 6.33%
Us Bank 25, 0.03% 2.33%
Potomac Mortgage Group, Inc 26, 0.03% 2.33%
TowneBank 27, 0.03% 3.33%
Renasant Bank 28, 0.03% 0.33%
State Employees’ Credit Union 29, 0.03% 0.67%
JPMorgan Chase Bank 30, 0.04% 7.33%
Guaranteed Rate Inc 31, 0.06% 8.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.07% 17.56%
Truist Bank 2, -0.05% 10.73%
Bank of America 3, -0.03% 6.83%
First National Bank of Pennsylvania 4, -0.03% 5.85%
First Bank 5, -0.00% 2.93%
TowneBank 6, 0.00% 1.46%
Quicken Loans 7, 0.01% 1.46%
Pnc Bank 8, 0.01% 1.95%
Citizens Bank 9, 0.01% 1.46%
Sharonview Federal CU 10, 0.02% 0.49%
Navy Federal Credit Union 11, 0.02% 1.95%
North State Bank 12, 0.02% 0.98%
Equity Resources Inc 13, 0.02% 0.98%
Homeside Financial 14, 0.02% 0.49%
South State Bank 15, 0.02% 0.49%
First-Citizens Bank & Trust Co 16, 0.02% 3.41%
Resource Financial Services, Inc 17, 0.03% 0.49%
Cardinal Financial Company LP 18, 0.03% 0.49%
Blue Ridge Bank 19, 0.03% 0.49%
Movement Mortgage 20, 0.03% 0.98%
Us Bank 21, 0.03% 1.95%
Northpointe Bank 22, 0.03% 0.98%
Suntrust Banks, Inc 23, 0.03% 8.29%
Atlantic Bay Mortgage Group 24, 0.04% 3.90%
Renasant Bank 25, 0.04% 0.49%
State Employees’ Credit Union 26, 0.04% 0.98%
Potomac Mortgage Group, Inc 27, 0.05% 2.44%
JPMorgan Chase Bank 28, 0.05% 8.78%
Guaranteed Rate Inc 29, 0.07% 10.73%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Truist Bank 1, -0.04% 12.63%
First National Bank of Pennsylvania 2, -0.02% 9.47%
Bank of America 3, -0.01% 8.42%
Sharonview Federal CU 4, -0.01% 1.05%
Atlantic Bay Mortgage Group 5, -0.01% 6.32%
Potomac Mortgage Group, Inc 6, -0.01% 2.11%
Resource Financial Services, Inc 7, -0.00% 1.05%
Citizens Bank 8, 0.00% 2.11%
Pnc Bank 9, 0.00% 5.26%
Guaranteed Rate Inc 10, 0.00% 4.21%
JPMorgan Chase Bank 11, 0.01% 4.21%
Quicken Loans 12, 0.01% 2.11%
Wells Fargo Bank 13, 0.01% 9.47%
Caliber Home Loans Inc 14, 0.01% 1.05%
Fairway Independent Mort Corp 15, 0.01% 1.05%
Blue Ridge Bank 16, 0.01% 1.05%
North State Bank 17, 0.01% 2.11%
Navy Federal Credit Union 18, 0.02% 2.11%
Suntrust Banks, Inc 19, 0.02% 2.11%
Us Bank 20, 0.02% 3.16%
South State Bank 21, 0.02% 2.11%
First-Citizens Bank & Trust Co 22, 0.02% 9.47%
TowneBank 23, 0.03% 7.37%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.16% 7.27%
Guaranteed Rate Inc 2, -0.12% 16.40%
Plaza Home Mortgage Inc 3, -0.09% 2.42%
Caliber Home Loans Inc 4, -0.07% 4.10%
Pennymac Loan Services 5, -0.04% 3.36%
Home Point Financial Corporation 6, -0.02% 1.21%
Fairway Independent Mort Corp 7, -0.02% 1.03%
North State Bank 8, -0.02% 1.12%
Freedom Mortgage Corporation 9, -0.01% 3.63%
Truist Bank 10, -0.01% 1.12%
LoanDepot 11, 0.00% 2.61%
Union Home Mortgage Company 12, 0.00% 1.49%
American Security Mortgage Corporation 13, 0.01% 1.21%
First Bank 14, 0.01% 0.28%
Sierra Pacific Mortgage 15, 0.01% 0.28%
Pnc Bank 16, 0.01% 0.47%
Homestead Funding Corp 17, 0.01% 0.47%
Us Bank 18, 0.01% 0.37%
Cardinal Financial Company LP 19, 0.02% 0.28%
South State Bank 20, 0.02% 0.09%
Renasant Bank 21, 0.02% 0.56%
Stearns Lending 22, 0.02% 0.37%
First National Bank of Pennsylvania 23, 0.02% 0.28%
Suntrust Banks, Inc 24, 0.02% 0.47%
Homeside Financial 25, 0.02% 1.12%
JPMorgan Chase Bank 26, 0.02% 0.09%
Citizens Bank 27, 0.03% 0.37%
Bank of America 28, 0.03% 0.09%
Land Home Financial Services Inc 29, 0.03% 0.47%
Wells Fargo Bank 30, 0.03% 1.86%
First-Citizens Bank & Trust Co 31, 0.03% 0.28%
CMG Mortgage Inc 32, 0.03% 0.93%
Gateway First Bank 33, 0.04% 0.56%
DHI Mortgage Company Limited 34, 0.04% 2.80%
Brand Mortgage 35, 0.04% 0.19%
Pulte Mortgage 36, 0.04% 0.28%
Resource Financial Services, Inc 37, 0.04% 0.65%
Angel Oak Home Loans 38, 0.04% 1.96%
Amerisave Mortgage Corporation 39, 0.05% 0.28%
Blue Ridge Bank 40, 0.05% 0.37%
Newrez 41, 0.05% 0.93%
TowneBank 42, 0.06% 1.96%
Usaa Federal Savings Bank 43, 0.06% 8.11%
Nationstar Mortgage 44, 0.06% 0.75%
Movement Mortgage 45, 0.07% 3.54%
Carrington Mortgage Services 46, 0.07% 1.40%
Equity Resources Inc 47, 0.08% 1.86%
Potomac Mortgage Group, Inc 48, 0.09% 1.21%
Atlantic Bay Mortgage Group 49, 0.11% 5.22%
Highlands Residential Mortgage Ltd 50, 0.11% 1.30%
Quicken Loans 51, 0.12% 7.74%
On Q Financial Inc 52, 0.17% 2.80%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.19% 9.30%
Guaranteed Rate Inc 2, -0.11% 18.17%
Freedom Mortgage Corporation 3, -0.09% 2.86%
Caliber Home Loans Inc 4, -0.07% 2.86%
Home Point Financial Corporation 5, -0.04% 0.72%
North State Bank 6, -0.02% 1.00%
Truist Bank 7, -0.02% 1.43%
Fairway Independent Mort Corp 8, -0.00% 0.57%
Plaza Home Mortgage Inc 9, 0.00% 1.29%
Union Home Mortgage Company 10, 0.00% 2.15%
Pnc Bank 11, 0.00% 0.29%
American Security Mortgage Corporation 12, 0.01% 1.57%
Sierra Pacific Mortgage 13, 0.01% 0.29%
LoanDepot 14, 0.01% 0.29%
First Bank 15, 0.01% 0.29%
Homestead Funding Corp 16, 0.01% 0.57%
Us Bank 17, 0.01% 0.43%
Newrez 18, 0.01% 0.14%
Stearns Lending 19, 0.02% 0.43%
Renasant Bank 20, 0.02% 0.72%
Wells Fargo Bank 21, 0.02% 2.29%
Citizens Bank 22, 0.02% 0.14%
Homeside Financial 23, 0.02% 1.29%
Suntrust Banks, Inc 24, 0.02% 0.72%
First National Bank of Pennsylvania 25, 0.02% 0.29%
JPMorgan Chase Bank 26, 0.02% 0.14%
Bank of America 27, 0.03% 0.14%
First-Citizens Bank & Trust Co 28, 0.03% 0.43%
Land Home Financial Services Inc 29, 0.03% 0.57%
DHI Mortgage Company Limited 30, 0.04% 4.29%
Brand Mortgage 31, 0.04% 0.29%
Pulte Mortgage 32, 0.04% 0.43%
CMG Mortgage Inc 33, 0.04% 1.00%
Gateway First Bank 34, 0.05% 0.57%
Angel Oak Home Loans 35, 0.05% 2.72%
Nationstar Mortgage 36, 0.05% 0.57%
Resource Financial Services, Inc 37, 0.05% 0.86%
Blue Ridge Bank 38, 0.05% 0.57%
Quicken Loans 39, 0.06% 3.43%
TowneBank 40, 0.06% 2.00%
Usaa Federal Savings Bank 41, 0.07% 10.16%
Movement Mortgage 42, 0.08% 4.43%
Carrington Mortgage Services 43, 0.09% 0.57%
Equity Resources Inc 44, 0.10% 2.15%
Potomac Mortgage Group, Inc 45, 0.11% 1.57%
Atlantic Bay Mortgage Group 46, 0.12% 7.44%
Highlands Residential Mortgage Ltd 47, 0.14% 1.57%
On Q Financial Inc 48, 0.18% 4.01%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guaranteed Rate Inc 1, -0.14% 13.10%
Plaza Home Mortgage Inc 2, -0.13% 4.55%
Caliber Home Loans Inc 3, -0.07% 6.42%
Pennymac Loan Services 4, -0.04% 9.63%
Navy Federal Credit Union 5, -0.04% 3.48%
Fairway Independent Mort Corp 6, -0.03% 1.87%
Home Point Financial Corporation 7, -0.01% 2.14%
North State Bank 8, -0.01% 1.34%
LoanDepot 9, -0.00% 6.95%
American Security Mortgage Corporation 10, 0.00% 0.53%
CMG Mortgage Inc 11, 0.00% 0.80%
Land Home Financial Services Inc 12, 0.01% 0.27%
First Bank 13, 0.01% 0.27%
On Q Financial Inc 14, 0.01% 0.53%
Truist Bank 15, 0.01% 0.53%
Equity Resources Inc 16, 0.01% 1.34%
Usaa Federal Savings Bank 17, 0.01% 4.28%
Sierra Pacific Mortgage 18, 0.01% 0.27%
Cardinal Financial Company LP 19, 0.01% 0.80%
South State Bank 20, 0.01% 0.27%
First National Bank of Pennsylvania 21, 0.01% 0.27%
Resource Financial Services, Inc 22, 0.02% 0.27%
Gateway First Bank 23, 0.02% 0.53%
Union Home Mortgage Company 24, 0.02% 0.27%
Potomac Mortgage Group, Inc 25, 0.02% 0.53%
Pnc Bank 26, 0.02% 0.80%
Us Bank 27, 0.02% 0.27%
Homestead Funding Corp 28, 0.02% 0.27%
Movement Mortgage 29, 0.02% 1.87%
Renasant Bank 30, 0.02% 0.27%
Stearns Lending 31, 0.02% 0.27%
Citizens Bank 32, 0.03% 0.80%
Homeside Financial 33, 0.03% 0.80%
Angel Oak Home Loans 34, 0.04% 0.53%
Atlantic Bay Mortgage Group 35, 0.04% 1.07%
Highlands Residential Mortgage Ltd 36, 0.04% 0.80%
Amerisave Mortgage Corporation 37, 0.04% 0.80%
TowneBank 38, 0.05% 1.87%
Newrez 39, 0.06% 2.41%
Carrington Mortgage Services 40, 0.06% 2.94%
Wells Fargo Bank 41, 0.07% 1.07%
Freedom Mortgage Corporation 42, 0.07% 5.08%
Nationstar Mortgage 43, 0.07% 1.07%
Quicken Loans 44, 0.15% 15.78%

* Data is compiled for the Wilmington, NC commuting zone area, which comprises of counties of Brunswick County, NC, New Hanover County, NC, and Pender County, NC. This includes cities/towns/communities of Wilmington, NC as well as Leland, NC, Oak Island, NC, Murraysville, NC, Sunset Beach, NC, Hampstead, NC, Shallotte, NC, Sea Breeze, NC, Carolina Beach, NC, Myrtle Grove, NC, Surf City, NC, Carolina Shores, NC, St. James, NC, Silver Lake, NC, Ogden, NC, Porters Neck, NC, Ocean Isle Beach, NC, Wrightsboro, NC, Kings Grant, NC, Southport, NC, Northchase, NC, Boiling Spring Lakes, NC, Holden Beach, NC, Burgaw, NC, Rocky Point, NC, Belville, NC, Wrightsville Beach, NC, Kure Beach, NC, Bolivia, NC, Northwest, NC, Bald Head Island, NC, Varnamtown, NC, Topsail Beach, NC, Watha, NC, Atkinson, NC, and Navassa, NC. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from 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 based on the MSA, 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 for Other Cities

This page ranks the top mortgage lenders in the Wilmington, NC area. For mortgage lender rankings of other cities, click here.