Top Mortgage Lenders in the Wilson, NC area

Which mortgage lender in the Wilson, 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 Wilson, 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 Wilson, NC area is Southern Bank and Trust Company, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.13%. This means that Southern Bank and Trust Company provided a -0.13% lower interest rate for its customers than other lenders in Wilson, NC for a similar set of borrowers. Southern Bank and Trust Company has a market share of 8.0%. On the other hand, the most popular lender in the market is Primelending, with a market share of 16.2%. Primelending is an average rate lender in this area, with a “Rate Difference” of +0.10% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Wilson, 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, Southern Bank and Trust Company is the cheapest mortgage provider for Conventional and Jumbo mortgages in Wilson, NC. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Truist Bank. 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.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Southern Bank and Trust Company 1, -0.13% 7.99%
Truist Bank 2, -0.12% 14.50%
Movement Mortgage 3, -0.03% 3.04%
State Employees’ Credit Union 4, -0.02% 13.01%
Angel Oak Home Loans 5, -0.01% 6.15%
Navy Federal Credit Union 6, -0.00% 2.55%
Wells Fargo Bank 7, 0.01% 7.57%
DHI Mortgage Company Limited 8, 0.03% 3.68%
LoanDepot 9, 0.04% 2.62%
Quicken Loans 10, 0.05% 14.85%
Local Gov’t Federal C U 11, 0.06% 2.62%
Pnc Bank 12, 0.10% 5.23%
Primelending 13, 0.10% 16.20%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Southern Bank and Trust Company 1, -0.17% 8.41%
Truist Bank 2, -0.13% 16.27%
Movement Mortgage 3, -0.04% 4.04%
Wells Fargo Bank 4, -0.03% 9.28%
Angel Oak Home Loans 5, -0.01% 7.86%
Navy Federal Credit Union 6, -0.01% 3.28%
Pnc Bank 7, 0.01% 2.40%
DHI Mortgage Company Limited 8, 0.03% 5.68%
LoanDepot 9, 0.03% 0.98%
Quicken Loans 10, 0.04% 8.08%
State Employees’ Credit Union 11, 0.08% 8.41%
Primelending 12, 0.11% 23.03%
Local Gov’t Federal C U 13, 0.12% 2.29%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
State Employees’ Credit Union 1, -0.10% 21.49%
Truist Bank 2, -0.10% 11.24%
Southern Bank and Trust Company 3, -0.06% 7.23%
Local Gov’t Federal C U 4, -0.03% 3.21%
Angel Oak Home Loans 5, -0.01% 3.01%
Movement Mortgage 6, 0.02% 1.20%
Navy Federal Credit Union 7, 0.03% 1.20%
LoanDepot 8, 0.04% 5.62%
Quicken Loans 9, 0.05% 27.31%
Primelending 10, 0.06% 3.61%
Wells Fargo Bank 11, 0.14% 4.42%
Pnc Bank 12, 0.14% 10.44%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Southern Bank and Trust Company 1, -0.13% 11.13%
Truist Bank 2, -0.12% 18.72%
Movement Mortgage 3, -0.03% 1.72%
State Employees’ Credit Union 4, -0.02% 18.62%
Angel Oak Home Loans 5, 0.01% 3.34%
Wells Fargo Bank 6, 0.01% 9.92%
DHI Mortgage Company Limited 7, 0.04% 2.33%
LoanDepot 8, 0.04% 1.62%
Local Gov’t Federal C U 9, 0.07% 3.74%
Navy Federal Credit Union 10, 0.09% 1.62%
Primelending 11, 0.11% 9.21%
Pnc Bank 12, 0.12% 7.09%
Quicken Loans 13, 0.13% 10.93%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Southern Bank and Trust Company 1, -0.15% 12.99%
Truist Bank 2, -0.12% 22.22%
Movement Mortgage 3, -0.03% 2.39%
Wells Fargo Bank 4, -0.02% 12.99%
LoanDepot 5, 0.03% 0.68%
Pnc Bank 6, 0.03% 3.08%
Angel Oak Home Loans 7, 0.03% 3.93%
DHI Mortgage Company Limited 8, 0.05% 3.93%
State Employees’ Credit Union 9, 0.10% 13.16%
Navy Federal Credit Union 10, 0.11% 2.22%
Primelending 11, 0.12% 13.50%
Local Gov’t Federal C U 12, 0.14% 3.59%
Quicken Loans 13, 0.16% 5.30%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
State Employees’ Credit Union 1, -0.11% 26.55%
Truist Bank 2, -0.10% 13.65%
Southern Bank and Trust Company 3, -0.06% 8.44%
Local Gov’t Federal C U 4, -0.03% 3.97%
Angel Oak Home Loans 5, -0.03% 2.48%
Movement Mortgage 6, 0.02% 0.74%
LoanDepot 7, 0.04% 2.98%
Navy Federal Credit Union 8, 0.04% 0.74%
Primelending 9, 0.06% 2.98%
Quicken Loans 10, 0.11% 19.11%
Wells Fargo Bank 11, 0.14% 5.46%
Pnc Bank 12, 0.14% 12.90%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Truist Bank 1, -0.13% 4.18%
Quicken Loans 2, -0.08% 24.39%
Movement Mortgage 3, -0.08% 6.62%
Angel Oak Home Loans 4, -0.05% 16.03%
Navy Federal Credit Union 5, -0.05% 1.39%
Pnc Bank 6, -0.04% 1.05%
DHI Mortgage Company Limited 7, -0.00% 6.62%
LoanDepot 8, 0.02% 2.44%
Wells Fargo Bank 9, 0.03% 0.70%
Primelending 10, 0.11% 36.59%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Truist Bank 1, -0.15% 5.08%
Quicken Loans 2, -0.10% 13.14%
Movement Mortgage 3, -0.09% 8.05%
Angel Oak Home Loans 4, -0.07% 17.37%
Navy Federal Credit Union 5, -0.06% 1.69%
Pnc Bank 6, -0.05% 1.27%
DHI Mortgage Company Limited 7, -0.02% 8.05%
Wells Fargo Bank 8, 0.02% 0.85%
LoanDepot 9, 0.02% 1.69%
Primelending 10, 0.10% 42.80%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.02% 76.47%
Angel Oak Home Loans 2, 0.05% 9.80%
LoanDepot 3, 0.06% 5.88%
Primelending 4, 0.09% 7.84%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Southern Bank and Trust Company 1, -0.00% 25.00%
Primelending 2, -0.00% 25.00%
Truist Bank 3, 0.00% 50.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Primelending 1, -0.00% 33.33%
Truist Bank 2, 0.00% 66.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Southern Bank and Trust Company 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.10% 11.85%
Truist Bank 2, -0.02% 4.44%
Wells Fargo Bank 3, -0.00% 5.19%
Southern Bank and Trust Company 4, 0.00% 1.48%
Pnc Bank 5, 0.00% 0.74%
Primelending 6, 0.01% 23.70%
Movement Mortgage 7, 0.01% 5.19%
Angel Oak Home Loans 8, 0.01% 5.93%
Quicken Loans 9, 0.01% 23.70%
DHI Mortgage Company Limited 10, 0.04% 7.41%
LoanDepot 11, 0.04% 10.37%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.11% 14.13%
Truist Bank 2, -0.02% 5.43%
Southern Bank and Trust Company 3, -0.00% 1.09%
Wells Fargo Bank 4, 0.00% 7.61%
Pnc Bank 5, 0.01% 1.09%
LoanDepot 6, 0.01% 1.09%
Primelending 7, 0.01% 32.61%
Angel Oak Home Loans 8, 0.02% 8.70%
Movement Mortgage 9, 0.02% 4.35%
DHI Mortgage Company Limited 10, 0.04% 10.87%
Quicken Loans 11, 0.05% 13.04%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.02% 46.51%
Navy Federal Credit Union 2, -0.01% 6.98%
Movement Mortgage 3, -0.01% 6.98%
Truist Bank 4, -0.01% 2.33%
Southern Bank and Trust Company 5, -0.00% 2.33%
Primelending 6, 0.02% 4.65%
LoanDepot 7, 0.03% 30.23%

* Data is compiled for the Wilson, NC commuting zone area, which comprises of counties of Edgecombe County, NC, Nash County, NC, and Wilson County, NC. This includes cities/towns/communities of Wilson, NC as well as Rocky Mount, NC, Tarboro, NC, Sharpsburg, NC, Red Oak, NC, Nashville, NC, Middlesex, NC, Rocky Mount, NC, Bailey, NC, Castalia, NC, Elm City, NC, Spring Hope, NC, Lucama, NC, Kenly, NC, Sharpsburg, NC, Black Creek, NC, Stantonsburg, NC, Pinetops, NC, Conetoe, NC, Macclesfield, NC, Princeville, NC, Saratoga, NC, and Whitakers, 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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