Top Mortgage Lenders in the Winston-Salem, NC area

Which mortgage lender in the Winston-Salem, 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 Winston-Salem, 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 Winston-Salem, NC area is Piedmont Federal Savings Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.26%. This means that Piedmont Federal Savings Bank provided a -0.26% lower interest rate for its customers than other lenders in Winston-Salem, NC for a similar set of borrowers. Piedmont Federal Savings Bank has a market share of 3.0%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 11.7%. Quicken Loans is an average rate lender in this area, with a “Rate Difference” of +0.09% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Winston-Salem, 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 Winston-Salem, NC is Piedmont Federal Savings 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 First Tennessee Bank National. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Home Point Financial Corporation. The cheapest VA mortgage provider is Navy Federal Credit Union. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Piedmont Federal Savings Bank 1, -0.26% 3.03%
Allegacy Federal Credit Union 2, -0.21% 4.71%
Navy Federal Credit Union 3, -0.12% 1.14%
Prosperity Home Mortgage 4, -0.08% 1.84%
Home Point Financial Corporation 5, -0.07% 1.01%
First Federal Bank 6, -0.07% 1.05%
Truist Bank 7, -0.06% 6.03%
Keller Mortgage 8, -0.06% 1.00%
JPMorgan Chase Bank 9, -0.05% 0.87%
Wells Fargo Bank 10, -0.05% 6.38%
Fairway Independent Mort Corp 11, -0.05% 11.51%
Bank of America 12, -0.05% 1.75%
First Reliance Bank 13, -0.04% 0.50%
Guaranteed Rate Inc 14, -0.03% 0.91%
Usaa Federal Savings Bank 15, -0.02% 1.53%
Suntrust Banks, Inc 16, -0.02% 2.34%
Pennymac Loan Services 17, -0.01% 0.50%
E Mortgage Management 18, -0.01% 0.67%
DHI Mortgage Company Limited 19, -0.00% 1.32%
First National Bank of Pennsylvania 20, -0.00% 1.41%
Citizens Bank 21, 0.00% 1.73%
Plaza Home Mortgage Inc 22, 0.00% 0.63%
Lakeview Loan Servicing 23, 0.00% 0.57%
Allen Tate Mortgage Partners 24, 0.01% 0.72%
Equity Resources Inc 25, 0.01% 0.78%
Ameris Bank 26, 0.01% 0.50%
Potomac Mortgage Group, Inc 27, 0.01% 0.66%
Certainty Home Loans 28, 0.01% 0.72%
Local Gov’t Federal C U 29, 0.01% 0.72%
Towne Mortgage Company 30, 0.01% 0.41%
Pinnacle Bank 31, 0.02% 1.02%
Union Home Mortgage Company 32, 0.02% 0.94%
Atlantic Bay Mortgage Group 33, 0.02% 3.85%
Carrington Mortgage Services 34, 0.02% 1.03%
Freedom Mortgage Corporation 35, 0.02% 0.72%
Pnc Bank 36, 0.03% 0.74%
Renasant Bank 37, 0.03% 0.44%
State Employees’ Credit Union 38, 0.04% 4.15%
First Tennessee Bank National 39, 0.04% 1.09%
Caliber Home Loans Inc 40, 0.05% 0.74%
First-Citizens Bank & Trust Co 41, 0.05% 1.71%
Highlands Residential Mortgage Ltd 42, 0.05% 0.71%
Agfirst Farm Credit Bank 43, 0.06% 0.65%
Newrez 44, 0.07% 1.01%
Hamilton Group Funding Inc 45, 0.07% 0.79%
LoanDepot 46, 0.07% 1.11%
Movement Mortgage 47, 0.08% 3.74%
Quicken Loans 48, 0.09% 11.73%
Nationstar Mortgage 49, 0.15% 0.96%
Cardinal Financial Company LP 50, 0.15% 2.19%
Mortgage Solutions of Colorado 51, 0.25% 0.87%
Truliant Federal Credit Union 52, 0.27% 2.33%
CalCon Mutual Mortgage 53, 0.33% 0.54%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Piedmont Federal Savings Bank 1, -0.20% 2.85%
Navy Federal Credit Union 2, -0.13% 1.48%
Wells Fargo Bank 3, -0.12% 7.49%
Home Point Financial Corporation 4, -0.08% 1.25%
Prosperity Home Mortgage 5, -0.08% 2.63%
Truist Bank 6, -0.08% 6.39%
JPMorgan Chase Bank 7, -0.07% 0.61%
Bank of America 8, -0.07% 1.70%
First Federal Bank 9, -0.07% 0.91%
Keller Mortgage 10, -0.06% 1.44%
Fairway Independent Mort Corp 11, -0.05% 16.18%
E Mortgage Management 12, -0.04% 0.49%
First National Bank of Pennsylvania 13, -0.03% 0.81%
Freedom Mortgage Corporation 14, -0.03% 0.57%
Suntrust Banks, Inc 15, -0.02% 2.81%
Usaa Federal Savings Bank 16, -0.02% 1.84%
Pennymac Loan Services 17, -0.02% 0.10%
First Reliance Bank 18, -0.01% 0.38%
Guaranteed Rate Inc 19, -0.01% 0.99%
DHI Mortgage Company Limited 20, -0.00% 2.02%
Plaza Home Mortgage Inc 21, 0.00% 0.77%
First Tennessee Bank National 22, 0.00% 1.15%
Allen Tate Mortgage Partners 23, 0.01% 1.07%
Citizens Bank 24, 0.01% 1.88%
Pnc Bank 25, 0.01% 0.61%
Towne Mortgage Company 26, 0.01% 0.45%
Ameris Bank 27, 0.01% 0.67%
Certainty Home Loans 28, 0.01% 0.97%
Potomac Mortgage Group, Inc 29, 0.01% 0.91%
Nationstar Mortgage 30, 0.02% 0.34%
Equity Resources Inc 31, 0.02% 0.97%
Atlantic Bay Mortgage Group 32, 0.03% 5.32%
Pinnacle Bank 33, 0.03% 1.15%
Union Home Mortgage Company 34, 0.03% 1.01%
LoanDepot 35, 0.04% 0.20%
Renasant Bank 36, 0.04% 0.51%
Agfirst Farm Credit Bank 37, 0.05% 0.61%
Carrington Mortgage Services 38, 0.05% 0.28%
Highlands Residential Mortgage Ltd 39, 0.05% 0.95%
Local Gov’t Federal C U 40, 0.06% 0.44%
Caliber Home Loans Inc 41, 0.06% 0.83%
First-Citizens Bank & Trust Co 42, 0.07% 1.78%
Hamilton Group Funding Inc 43, 0.07% 1.15%
Allegacy Federal Credit Union 44, 0.08% 1.84%
Newrez 45, 0.09% 0.87%
Movement Mortgage 46, 0.09% 5.14%
Quicken Loans 47, 0.10% 7.47%
Truliant Federal Credit Union 48, 0.11% 0.89%
Cardinal Financial Company LP 49, 0.18% 2.65%
State Employees’ Credit Union 50, 0.18% 2.23%
Mortgage Solutions of Colorado 51, 0.28% 1.15%
CalCon Mutual Mortgage 52, 0.34% 0.81%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Piedmont Federal Savings Bank 1, -0.36% 3.37%
Allegacy Federal Credit Union 2, -0.31% 10.13%
Fairway Independent Mort Corp 3, -0.09% 2.69%
First Federal Bank 4, -0.07% 1.31%
Guaranteed Rate Inc 5, -0.07% 0.75%
First Reliance Bank 6, -0.07% 0.75%
Prosperity Home Mortgage 7, -0.05% 0.34%
Equity Resources Inc 8, -0.04% 0.41%
State Employees’ Credit Union 9, -0.04% 7.78%
JPMorgan Chase Bank 10, -0.04% 1.35%
Atlantic Bay Mortgage Group 11, -0.02% 1.08%
Bank of America 12, -0.02% 1.83%
Local Gov’t Federal C U 13, -0.02% 1.27%
Pinnacle Bank 14, -0.02% 0.79%
Usaa Federal Savings Bank 15, -0.02% 0.93%
Keller Mortgage 16, -0.02% 0.15%
Citizens Bank 17, -0.02% 1.46%
Union Home Mortgage Company 18, -0.01% 0.82%
Truist Bank 19, -0.01% 5.35%
Home Point Financial Corporation 20, -0.01% 0.56%
Pennymac Loan Services 21, -0.01% 1.27%
Movement Mortgage 22, -0.01% 1.08%
Navy Federal Credit Union 23, -0.00% 0.49%
Suntrust Banks, Inc 24, -0.00% 1.46%
Potomac Mortgage Group, Inc 25, 0.00% 0.19%
Hamilton Group Funding Inc 26, 0.00% 0.11%
Lakeview Loan Servicing 27, 0.00% 1.65%
Caliber Home Loans Inc 28, 0.01% 0.56%
Certainty Home Loans 29, 0.01% 0.26%
Plaza Home Mortgage Inc 30, 0.01% 0.37%
Ameris Bank 31, 0.01% 0.19%
Renasant Bank 32, 0.01% 0.30%
Allen Tate Mortgage Partners 33, 0.01% 0.07%
First National Bank of Pennsylvania 34, 0.02% 2.54%
First-Citizens Bank & Trust Co 35, 0.02% 1.57%
Carrington Mortgage Services 36, 0.02% 2.47%
E Mortgage Management 37, 0.02% 1.01%
Towne Mortgage Company 38, 0.03% 0.34%
CalCon Mutual Mortgage 39, 0.03% 0.04%
Cardinal Financial Company LP 40, 0.03% 1.31%
Newrez 41, 0.05% 1.27%
Highlands Residential Mortgage Ltd 42, 0.05% 0.26%
Pnc Bank 43, 0.06% 0.97%
Mortgage Solutions of Colorado 44, 0.06% 0.34%
LoanDepot 45, 0.08% 2.84%
Freedom Mortgage Corporation 46, 0.08% 1.01%
Quicken Loans 47, 0.09% 19.78%
Agfirst Farm Credit Bank 48, 0.09% 0.71%
First Tennessee Bank National 49, 0.12% 0.97%
Nationstar Mortgage 50, 0.18% 2.13%
Wells Fargo Bank 51, 0.18% 4.26%
Truliant Federal Credit Union 52, 0.32% 5.05%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Piedmont Federal Savings Bank 1, -0.26% 4.07%
Allegacy Federal Credit Union 2, -0.20% 6.47%
Fairway Independent Mort Corp 3, -0.11% 11.49%
Prosperity Home Mortgage 4, -0.08% 1.87%
First Federal Bank 5, -0.07% 1.30%
Truist Bank 6, -0.06% 7.26%
Bank of America 7, -0.05% 2.03%
JPMorgan Chase Bank 8, -0.05% 1.14%
Wells Fargo Bank 9, -0.05% 7.86%
Keller Mortgage 10, -0.05% 1.08%
Guaranteed Rate Inc 11, -0.04% 0.78%
First Reliance Bank 12, -0.04% 0.69%
DHI Mortgage Company Limited 13, -0.03% 1.10%
Suntrust Banks, Inc 14, -0.01% 2.54%
First National Bank of Pennsylvania 15, 0.00% 1.69%
Citizens Bank 16, 0.00% 1.83%
Freedom Mortgage Corporation 17, 0.01% 0.32%
Allen Tate Mortgage Partners 18, 0.01% 0.94%
Usaa Federal Savings Bank 19, 0.01% 0.87%
Local Gov’t Federal C U 20, 0.02% 1.00%
Pinnacle Bank 21, 0.02% 1.21%
Certainty Home Loans 22, 0.02% 0.57%
Ameris Bank 23, 0.02% 0.34%
Potomac Mortgage Group, Inc 24, 0.03% 0.62%
Union Home Mortgage Company 25, 0.03% 1.01%
Towne Mortgage Company 26, 0.04% 0.20%
Caliber Home Loans Inc 27, 0.04% 0.52%
Pnc Bank 28, 0.04% 0.91%
Renasant Bank 29, 0.04% 0.59%
E Mortgage Management 30, 0.04% 0.57%
Equity Resources Inc 31, 0.04% 0.68%
State Employees’ Credit Union 32, 0.04% 5.69%
Lakeview Loan Servicing 33, 0.05% 0.04%
First Tennessee Bank National 34, 0.06% 1.26%
CalCon Mutual Mortgage 35, 0.06% 0.09%
Atlantic Bay Mortgage Group 36, 0.06% 3.18%
Home Point Financial Corporation 37, 0.06% 0.50%
Carrington Mortgage Services 38, 0.07% 0.18%
Agfirst Farm Credit Bank 39, 0.07% 0.87%
First-Citizens Bank & Trust Co 40, 0.07% 1.92%
Pennymac Loan Services 41, 0.07% 0.18%
Highlands Residential Mortgage Ltd 42, 0.08% 0.60%
Plaza Home Mortgage Inc 43, 0.08% 0.25%
Hamilton Group Funding Inc 44, 0.09% 0.71%
Newrez 45, 0.09% 0.84%
Mortgage Solutions of Colorado 46, 0.11% 0.32%
LoanDepot 47, 0.12% 0.76%
Movement Mortgage 48, 0.12% 2.97%
Cardinal Financial Company LP 49, 0.13% 1.67%
Navy Federal Credit Union 50, 0.18% 0.48%
Quicken Loans 51, 0.19% 10.21%
Nationstar Mortgage 52, 0.21% 0.53%
Truliant Federal Credit Union 53, 0.27% 3.20%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Piedmont Federal Savings Bank 1, -0.19% 3.98%
Wells Fargo Bank 2, -0.12% 9.32%
Fairway Independent Mort Corp 3, -0.11% 16.27%
Prosperity Home Mortgage 4, -0.08% 2.72%
Truist Bank 5, -0.08% 7.89%
JPMorgan Chase Bank 6, -0.07% 0.81%
Bank of America 7, -0.07% 2.02%
First Federal Bank 8, -0.06% 1.20%
Keller Mortgage 9, -0.05% 1.60%
First National Bank of Pennsylvania 10, -0.03% 0.84%
DHI Mortgage Company Limited 11, -0.03% 1.74%
Suntrust Banks, Inc 12, -0.02% 3.05%
Guaranteed Rate Inc 13, -0.01% 0.78%
First Reliance Bank 14, -0.00% 0.53%
Freedom Mortgage Corporation 15, 0.00% 0.34%
Nationstar Mortgage 16, 0.01% 0.11%
Allen Tate Mortgage Partners 17, 0.01% 1.43%
Pnc Bank 18, 0.02% 0.70%
Citizens Bank 19, 0.02% 2.13%
First Tennessee Bank National 20, 0.02% 1.32%
Usaa Federal Savings Bank 21, 0.02% 1.09%
Certainty Home Loans 22, 0.02% 0.78%
Ameris Bank 23, 0.02% 0.45%
Potomac Mortgage Group, Inc 24, 0.03% 0.84%
Pinnacle Bank 25, 0.03% 1.43%
Pennymac Loan Services 26, 0.03% 0.03%
E Mortgage Management 27, 0.04% 0.31%
Carrington Mortgage Services 28, 0.04% 0.03%
Caliber Home Loans Inc 29, 0.04% 0.67%
LoanDepot 30, 0.04% 0.14%
Towne Mortgage Company 31, 0.05% 0.17%
Renasant Bank 32, 0.05% 0.70%
Agfirst Farm Credit Bank 33, 0.05% 0.87%
Union Home Mortgage Company 34, 0.06% 1.01%
CalCon Mutual Mortgage 35, 0.06% 0.14%
Home Point Financial Corporation 36, 0.06% 0.67%
Local Gov’t Federal C U 37, 0.07% 0.62%
Equity Resources Inc 38, 0.07% 0.84%
Atlantic Bay Mortgage Group 39, 0.08% 4.31%
Plaza Home Mortgage Inc 40, 0.08% 0.34%
Highlands Residential Mortgage Ltd 41, 0.08% 0.78%
Allegacy Federal Credit Union 42, 0.09% 2.60%
Hamilton Group Funding Inc 43, 0.10% 1.06%
First-Citizens Bank & Trust Co 44, 0.10% 1.93%
Truliant Federal Credit Union 45, 0.11% 1.26%
Newrez 46, 0.11% 0.84%
Mortgage Solutions of Colorado 47, 0.12% 0.45%
Movement Mortgage 48, 0.14% 4.20%
Cardinal Financial Company LP 49, 0.16% 2.18%
State Employees’ Credit Union 50, 0.19% 3.16%
Quicken Loans 51, 0.21% 6.75%
Navy Federal Credit Union 52, 0.22% 0.59%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Piedmont Federal Savings Bank 1, -0.38% 4.24%
Allegacy Federal Credit Union 2, -0.30% 13.21%
Fairway Independent Mort Corp 3, -0.10% 3.17%
First Federal Bank 4, -0.09% 1.46%
Guaranteed Rate Inc 5, -0.09% 0.78%
First Reliance Bank 6, -0.07% 0.98%
Equity Resources Inc 7, -0.06% 0.39%
Prosperity Home Mortgage 8, -0.06% 0.39%
State Employees’ Credit Union 9, -0.04% 10.09%
JPMorgan Chase Bank 10, -0.04% 1.71%
Citizens Bank 11, -0.03% 1.32%
Pinnacle Bank 12, -0.03% 0.83%
Atlantic Bay Mortgage Group 13, -0.03% 1.22%
Bank of America 14, -0.02% 2.05%
Local Gov’t Federal C U 15, -0.02% 1.66%
Keller Mortgage 16, -0.02% 0.20%
Union Home Mortgage Company 17, -0.02% 1.02%
Movement Mortgage 18, -0.01% 0.83%
Truist Bank 19, -0.01% 6.14%
Suntrust Banks, Inc 20, -0.00% 1.66%
Hamilton Group Funding Inc 21, -0.00% 0.10%
Usaa Federal Savings Bank 22, -0.00% 0.49%
Potomac Mortgage Group, Inc 23, 0.00% 0.24%
Certainty Home Loans 24, 0.00% 0.20%
Ameris Bank 25, 0.01% 0.15%
Renasant Bank 26, 0.01% 0.39%
Allen Tate Mortgage Partners 27, 0.01% 0.10%
First National Bank of Pennsylvania 28, 0.02% 3.17%
First-Citizens Bank & Trust Co 29, 0.02% 1.90%
Caliber Home Loans Inc 30, 0.02% 0.24%
Cardinal Financial Company LP 31, 0.02% 0.78%
Towne Mortgage Company 32, 0.02% 0.24%
Freedom Mortgage Corporation 33, 0.03% 0.29%
Navy Federal Credit Union 34, 0.04% 0.29%
E Mortgage Management 35, 0.04% 1.02%
Lakeview Loan Servicing 36, 0.04% 0.10%
Newrez 37, 0.05% 0.83%
Highlands Residential Mortgage Ltd 38, 0.06% 0.29%
Pnc Bank 39, 0.06% 1.27%
Home Point Financial Corporation 40, 0.06% 0.20%
Mortgage Solutions of Colorado 41, 0.07% 0.10%
Carrington Mortgage Services 42, 0.07% 0.44%
Pennymac Loan Services 43, 0.07% 0.44%
Plaza Home Mortgage Inc 44, 0.07% 0.10%
Agfirst Farm Credit Bank 45, 0.10% 0.88%
LoanDepot 46, 0.12% 1.85%
First Tennessee Bank National 47, 0.13% 1.17%
Quicken Loans 48, 0.17% 16.24%
Wells Fargo Bank 49, 0.19% 5.31%
Nationstar Mortgage 50, 0.24% 1.27%
Truliant Federal Credit Union 51, 0.32% 6.58%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Home Point Financial Corporation 1, -0.19% 3.02%
Keller Mortgage 2, -0.11% 1.01%
Quicken Loans 3, -0.11% 19.46%
E Mortgage Management 4, -0.10% 1.40%
Prosperity Home Mortgage 5, -0.10% 1.86%
Atlantic Bay Mortgage Group 6, -0.08% 6.82%
Equity Resources Inc 7, -0.08% 1.16%
First-Citizens Bank & Trust Co 8, -0.05% 1.32%
Citizens Bank 9, -0.05% 0.85%
Plaza Home Mortgage Inc 10, -0.05% 2.17%
Potomac Mortgage Group, Inc 11, -0.05% 0.78%
Suntrust Banks, Inc 12, -0.05% 1.16%
Bank of America 13, -0.05% 0.70%
Truist Bank 14, -0.04% 0.47%
First Federal Bank 15, -0.03% 0.16%
Pennymac Loan Services 16, -0.03% 0.78%
Pnc Bank 17, -0.03% 0.39%
Union Home Mortgage Company 18, -0.03% 1.09%
First National Bank of Pennsylvania 19, -0.02% 0.08%
Guaranteed Rate Inc 20, -0.02% 1.47%
Movement Mortgage 21, -0.02% 6.74%
Renasant Bank 22, -0.02% 0.08%
Ameris Bank 23, -0.01% 1.40%
Certainty Home Loans 24, -0.01% 1.47%
Towne Mortgage Company 25, -0.01% 1.24%
Pinnacle Bank 26, -0.01% 0.23%
Freedom Mortgage Corporation 27, -0.01% 1.32%
Navy Federal Credit Union 28, -0.00% 0.16%
Highlands Residential Mortgage Ltd 29, 0.00% 1.16%
Carrington Mortgage Services 30, 0.00% 3.41%
DHI Mortgage Company Limited 31, 0.03% 1.86%
Newrez 32, 0.03% 1.86%
Allen Tate Mortgage Partners 33, 0.04% 0.16%
Hamilton Group Funding Inc 34, 0.04% 1.01%
LoanDepot 35, 0.04% 1.47%
Lakeview Loan Servicing 36, 0.05% 1.94%
Wells Fargo Bank 37, 0.07% 0.62%
Caliber Home Loans Inc 38, 0.07% 1.47%
Fairway Independent Mort Corp 39, 0.09% 14.73%
Nationstar Mortgage 40, 0.10% 2.71%
Cardinal Financial Company LP 41, 0.19% 4.34%
Mortgage Solutions of Colorado 42, 0.33% 1.86%
CalCon Mutual Mortgage 43, 0.38% 2.64%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Home Point Financial Corporation 1, -0.22% 3.51%
Quicken Loans 2, -0.14% 11.26%
E Mortgage Management 3, -0.14% 1.24%
Keller Mortgage 4, -0.12% 1.34%
Prosperity Home Mortgage 5, -0.11% 2.48%
Atlantic Bay Mortgage Group 6, -0.09% 8.88%
Equity Resources Inc 7, -0.09% 1.45%
Freedom Mortgage Corporation 8, -0.07% 1.14%
Citizens Bank 9, -0.06% 1.03%
Plaza Home Mortgage Inc 10, -0.06% 2.48%
First-Citizens Bank & Trust Co 11, -0.06% 1.76%
Bank of America 12, -0.06% 0.83%
Potomac Mortgage Group, Inc 13, -0.06% 1.03%
Suntrust Banks, Inc 14, -0.05% 1.55%
Pennymac Loan Services 15, -0.05% 0.41%
Truist Bank 16, -0.05% 0.62%
First Federal Bank 17, -0.04% 0.21%
Union Home Mortgage Company 18, -0.04% 1.34%
Pnc Bank 19, -0.03% 0.52%
Guaranteed Rate Inc 20, -0.03% 1.65%
Towne Mortgage Company 21, -0.03% 1.34%
First National Bank of Pennsylvania 22, -0.03% 0.10%
Movement Mortgage 23, -0.03% 8.57%
Renasant Bank 24, -0.02% 0.10%
Ameris Bank 25, -0.02% 1.65%
Certainty Home Loans 26, -0.02% 1.76%
Pinnacle Bank 27, -0.02% 0.31%
Navy Federal Credit Union 28, -0.01% 0.21%
Highlands Residential Mortgage Ltd 29, -0.01% 1.45%
Nationstar Mortgage 30, -0.00% 1.03%
Newrez 31, 0.02% 1.24%
DHI Mortgage Company Limited 32, 0.02% 2.48%
LoanDepot 33, 0.02% 0.41%
Carrington Mortgage Services 34, 0.03% 1.14%
Allen Tate Mortgage Partners 35, 0.03% 0.21%
Hamilton Group Funding Inc 36, 0.03% 1.34%
Wells Fargo Bank 37, 0.06% 0.83%
Fairway Independent Mort Corp 38, 0.08% 19.32%
Caliber Home Loans Inc 39, 0.09% 1.45%
Cardinal Financial Company LP 40, 0.23% 4.44%
Mortgage Solutions of Colorado 41, 0.32% 2.48%
CalCon Mutual Mortgage 42, 0.38% 3.41%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.07% 44.10%
E Mortgage Management 2, -0.02% 1.86%
Home Point Financial Corporation 3, -0.01% 1.55%
Plaza Home Mortgage Inc 4, -0.01% 1.24%
Pennymac Loan Services 5, 0.00% 1.86%
Atlantic Bay Mortgage Group 6, 0.00% 0.62%
Guaranteed Rate Inc 7, 0.00% 0.93%
Bank of America 8, 0.01% 0.31%
Equity Resources Inc 9, 0.01% 0.31%
Certainty Home Loans 10, 0.01% 0.62%
Ameris Bank 11, 0.02% 0.62%
Carrington Mortgage Services 12, 0.02% 10.25%
Citizens Bank 13, 0.02% 0.31%
Caliber Home Loans Inc 14, 0.03% 1.55%
CalCon Mutual Mortgage 15, 0.03% 0.31%
Highlands Residential Mortgage Ltd 16, 0.04% 0.31%
Towne Mortgage Company 17, 0.04% 0.93%
Movement Mortgage 18, 0.04% 1.24%
Fairway Independent Mort Corp 19, 0.04% 0.93%
Union Home Mortgage Company 20, 0.04% 0.31%
Cardinal Financial Company LP 21, 0.05% 4.04%
Newrez 22, 0.05% 3.73%
Lakeview Loan Servicing 23, 0.07% 7.76%
LoanDepot 24, 0.07% 4.66%
Freedom Mortgage Corporation 25, 0.12% 1.86%
Nationstar Mortgage 26, 0.15% 7.76%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Tennessee Bank National 1, -0.03% 9.15%
Truist Bank 2, -0.02% 21.13%
Bank of America 3, -0.02% 6.34%
First National Bank of Pennsylvania 4, -0.01% 8.45%
Wells Fargo Bank 5, -0.00% 7.04%
Prosperity Home Mortgage 6, 0.00% 2.11%
Highlands Residential Mortgage Ltd 7, 0.01% 0.70%
Suntrust Banks, Inc 8, 0.01% 9.86%
First-Citizens Bank & Trust Co 9, 0.01% 4.23%
JPMorgan Chase Bank 10, 0.02% 1.41%
Citizens Bank 11, 0.02% 13.38%
Quicken Loans 12, 0.02% 2.11%
Piedmont Federal Savings Bank 13, 0.02% 3.52%
State Employees’ Credit Union 14, 0.02% 0.70%
Movement Mortgage 15, 0.03% 1.41%
Agfirst Farm Credit Bank 16, 0.03% 0.70%
Fairway Independent Mort Corp 17, 0.03% 1.41%
Pinnacle Bank 18, 0.04% 4.93%
Plaza Home Mortgage Inc 19, 0.05% 0.70%
Caliber Home Loans Inc 20, 0.05% 0.70%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Tennessee Bank National 1, -0.04% 12.64%
First National Bank of Pennsylvania 2, -0.02% 11.49%
Truist Bank 3, -0.01% 22.99%
Prosperity Home Mortgage 4, -0.01% 2.30%
Wells Fargo Bank 5, -0.00% 5.75%
Bank of America 6, 0.01% 3.45%
Highlands Residential Mortgage Ltd 7, 0.01% 1.15%
First-Citizens Bank & Trust Co 8, 0.01% 3.45%
Suntrust Banks, Inc 9, 0.02% 11.49%
JPMorgan Chase Bank 10, 0.02% 1.15%
Citizens Bank 11, 0.02% 9.20%
Quicken Loans 12, 0.02% 2.30%
Piedmont Federal Savings Bank 13, 0.02% 2.30%
Movement Mortgage 14, 0.03% 1.15%
Fairway Independent Mort Corp 15, 0.03% 2.30%
Plaza Home Mortgage Inc 16, 0.05% 1.15%
Caliber Home Loans Inc 17, 0.05% 1.15%
Pinnacle Bank 18, 0.06% 4.60%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Truist Bank 1, -0.04% 18.18%
Bank of America 2, -0.03% 10.91%
Wells Fargo Bank 3, -0.01% 9.09%
Suntrust Banks, Inc 4, 0.00% 7.27%
Quicken Loans 5, 0.01% 1.82%
Prosperity Home Mortgage 6, 0.02% 1.82%
Movement Mortgage 7, 0.02% 1.82%
Citizens Bank 8, 0.02% 20.00%
Piedmont Federal Savings Bank 9, 0.02% 5.45%
First-Citizens Bank & Trust Co 10, 0.02% 5.45%
First Tennessee Bank National 11, 0.02% 3.64%
Pinnacle Bank 12, 0.02% 5.45%
JPMorgan Chase Bank 13, 0.02% 1.82%
First National Bank of Pennsylvania 14, 0.02% 3.64%
State Employees’ Credit Union 15, 0.02% 1.82%
Agfirst Farm Credit Bank 16, 0.03% 1.82%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.26% 8.73%
Wells Fargo Bank 2, -0.11% 4.88%
Lakeview Loan Servicing 3, -0.09% 2.51%
Pennymac Loan Services 4, -0.05% 2.81%
Usaa Federal Savings Bank 5, -0.05% 10.21%
Home Point Financial Corporation 6, -0.03% 1.63%
Truist Bank 7, -0.03% 3.25%
Prosperity Home Mortgage 8, -0.02% 1.48%
Bank of America 9, -0.02% 0.44%
Plaza Home Mortgage Inc 10, -0.01% 0.89%
E Mortgage Management 11, -0.01% 0.30%
Suntrust Banks, Inc 12, -0.00% 1.33%
Towne Mortgage Company 13, -0.00% 0.74%
Carrington Mortgage Services 14, 0.00% 3.85%
Pinnacle Bank 15, 0.00% 0.15%
Ameris Bank 16, 0.01% 0.30%
Citizens Bank 17, 0.01% 0.15%
Union Home Mortgage Company 18, 0.01% 0.30%
Caliber Home Loans Inc 19, 0.01% 1.18%
Equity Resources Inc 20, 0.01% 1.04%
LoanDepot 21, 0.01% 3.55%
Guaranteed Rate Inc 22, 0.01% 1.04%
Potomac Mortgage Group, Inc 23, 0.01% 0.89%
JPMorgan Chase Bank 24, 0.01% 0.15%
Keller Mortgage 25, 0.01% 0.44%
First-Citizens Bank & Trust Co 26, 0.02% 0.15%
Hamilton Group Funding Inc 27, 0.02% 1.18%
Certainty Home Loans 28, 0.02% 0.74%
Allen Tate Mortgage Partners 29, 0.02% 0.15%
Pnc Bank 30, 0.02% 0.15%
First National Bank of Pennsylvania 31, 0.03% 0.15%
Newrez 32, 0.03% 1.04%
First Federal Bank 33, 0.04% 0.89%
Highlands Residential Mortgage Ltd 34, 0.04% 0.74%
DHI Mortgage Company Limited 35, 0.04% 2.37%
Quicken Loans 36, 0.05% 11.69%
Freedom Mortgage Corporation 37, 0.05% 3.11%
Atlantic Bay Mortgage Group 38, 0.06% 4.59%
Movement Mortgage 39, 0.06% 4.88%
CalCon Mutual Mortgage 40, 0.07% 0.44%
Nationstar Mortgage 41, 0.08% 1.33%
Cardinal Financial Company LP 42, 0.09% 2.81%
Fairway Independent Mort Corp 43, 0.12% 7.69%
Mortgage Solutions of Colorado 44, 0.25% 3.70%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.28% 12.09%
Wells Fargo Bank 2, -0.10% 7.67%
Truist Bank 3, -0.04% 3.49%
Freedom Mortgage Corporation 4, -0.04% 1.40%
Usaa Federal Savings Bank 5, -0.04% 12.56%
Prosperity Home Mortgage 6, -0.01% 2.33%
Bank of America 7, -0.01% 0.70%
Home Point Financial Corporation 8, 0.00% 1.16%
E Mortgage Management 9, 0.00% 0.47%
Towne Mortgage Company 10, 0.00% 0.93%
Suntrust Banks, Inc 11, 0.00% 1.86%
Plaza Home Mortgage Inc 12, 0.00% 0.47%
Ameris Bank 13, 0.01% 0.47%
Citizens Bank 14, 0.01% 0.23%
Union Home Mortgage Company 15, 0.01% 0.47%
First Federal Bank 16, 0.01% 0.23%
Equity Resources Inc 17, 0.02% 1.16%
Nationstar Mortgage 18, 0.02% 0.70%
Guaranteed Rate Inc 19, 0.02% 1.40%
Potomac Mortgage Group, Inc 20, 0.02% 1.40%
JPMorgan Chase Bank 21, 0.02% 0.23%
Keller Mortgage 22, 0.02% 0.70%
First-Citizens Bank & Trust Co 23, 0.02% 0.23%
LoanDepot 24, 0.02% 0.23%
Quicken Loans 25, 0.02% 6.05%
Allen Tate Mortgage Partners 26, 0.02% 0.23%
Hamilton Group Funding Inc 27, 0.03% 1.63%
Certainty Home Loans 28, 0.03% 0.93%
Pnc Bank 29, 0.03% 0.23%
Newrez 30, 0.04% 0.47%
Highlands Residential Mortgage Ltd 31, 0.04% 1.16%
DHI Mortgage Company Limited 32, 0.05% 3.72%
Carrington Mortgage Services 33, 0.06% 0.47%
Caliber Home Loans Inc 34, 0.07% 0.70%
Atlantic Bay Mortgage Group 35, 0.07% 6.74%
CalCon Mutual Mortgage 36, 0.07% 0.70%
Movement Mortgage 37, 0.09% 6.05%
Fairway Independent Mort Corp 38, 0.13% 11.16%
Cardinal Financial Company LP 39, 0.13% 3.02%
Mortgage Solutions of Colorado 40, 0.33% 4.19%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Lakeview Loan Servicing 1, -0.10% 6.91%
Home Point Financial Corporation 2, -0.07% 2.44%
Pennymac Loan Services 3, -0.06% 7.72%
Navy Federal Credit Union 4, -0.05% 2.85%
Usaa Federal Savings Bank 5, -0.05% 6.10%
Caliber Home Loans Inc 6, -0.04% 2.03%
Movement Mortgage 7, -0.03% 2.85%
Plaza Home Mortgage Inc 8, -0.02% 1.63%
Carrington Mortgage Services 9, -0.01% 9.76%
Equity Resources Inc 10, -0.01% 0.81%
Pinnacle Bank 11, -0.00% 0.41%
LoanDepot 12, -0.00% 9.35%
Cardinal Financial Company LP 13, -0.00% 2.44%
Truist Bank 14, -0.00% 2.85%
Atlantic Bay Mortgage Group 15, 0.00% 0.81%
Suntrust Banks, Inc 16, 0.00% 0.41%
Guaranteed Rate Inc 17, 0.00% 0.41%
Hamilton Group Funding Inc 18, 0.00% 0.41%
Towne Mortgage Company 19, 0.01% 0.41%
Certainty Home Loans 20, 0.01% 0.41%
First National Bank of Pennsylvania 21, 0.02% 0.41%
Fairway Independent Mort Corp 22, 0.02% 1.63%
Newrez 23, 0.03% 2.03%
First Federal Bank 24, 0.03% 2.03%
Mortgage Solutions of Colorado 25, 0.04% 2.85%
Quicken Loans 26, 0.05% 21.54%
Freedom Mortgage Corporation 27, 0.08% 6.10%
Nationstar Mortgage 28, 0.10% 2.44%

* Data is compiled for the Winston-Salem, NC commuting zone area, which comprises of counties of Davie County, NC, Forsyth County, NC, Stokes County, NC, Surry County, NC, and Yadkin County, NC. This includes cities/towns/communities of Winston-Salem, NC as well as Kernersville, NC, Clemmons, NC, Lewisville, NC, Mount Airy, NC, Bermuda Run, NC, King, NC, Walkertown, NC, Mocksville, NC, Rural Hall, NC, Hillsdale, NC, Advance, NC, Pinnacle, NC, Tobaccoville, NC, Yadkinville, NC, Elkin, NC, East Bend, NC, Boonville, NC, Walnut Cove, NC, Jonesville, NC, Germanton, NC, Pilot Mountain, NC, Dobson, NC, White Plains, NC, Cooleemee, NC, Lowgap, NC, Toast, NC, Danbury, NC, High Point, NC, and Flat Rock, 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.

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