Top Mortgage Lenders in the Fayetteville, NC area

Which mortgage lender in the Fayetteville, 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 Fayetteville, 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 Fayetteville, NC area is Navy Federal Credit Union, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.25%. This means that Navy Federal Credit Union provided a -0.25% lower interest rate for its customers than other lenders in Fayetteville, NC for a similar set of borrowers. Navy Federal Credit Union has a market share of 7.5%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 8.1%. Quicken Loans is an average rate lender in this area, with a “Rate Difference” of +0.08% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Fayetteville, 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 Fayetteville, NC is Credit Union Mortgage Association Inc. 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 Nationstar Mortgage. 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
Navy Federal Credit Union 1, -0.25% 7.53%
Credit Union Mortgage Association Inc 2, -0.12% 0.72%
Usaa Federal Savings Bank 3, -0.09% 7.58%
Truist Bank 4, -0.09% 2.53%
First Tennessee Bank National 5, -0.08% 0.53%
Village Capital & Investment 6, -0.08% 0.67%
First Bank 7, -0.08% 0.72%
American Security Mortgage Corporation 8, -0.07% 2.65%
State Employees’ Credit Union 9, -0.07% 3.36%
Sharonview Federal CU 10, -0.06% 0.67%
Certainty Home Loans 11, -0.06% 2.36%
Pennymac Loan Services 12, -0.05% 1.38%
Wells Fargo Bank 13, -0.05% 4.94%
Plaza Home Mortgage Inc 14, -0.04% 0.53%
LoanDepot 15, -0.03% 1.93%
Nationstar Mortgage 16, -0.02% 2.46%
Bank of America 17, -0.02% 0.81%
First-Citizens Bank & Trust Co 18, -0.02% 1.60%
Lakeview Loan Servicing 19, -0.02% 0.71%
Caliber Home Loans Inc 20, -0.01% 1.52%
Southern Trust Mortgage 21, -0.00% 4.56%
GoPrime Mortgage Inc 22, 0.01% 0.86%
ALCOVA Mortgage 23, 0.01% 0.86%
Freedom Mortgage Corporation 24, 0.01% 1.76%
Fairway Independent Mort Corp 25, 0.01% 1.57%
Movement Mortgage 26, 0.02% 6.89%
Guaranteed Rate Inc 27, 0.02% 0.74%
Acopia Capital Group 28, 0.03% 1.12%
CMG Mortgage Inc 29, 0.03% 1.50%
Ovm Financial, Inc 30, 0.03% 3.72%
Pnc Bank 31, 0.04% 1.50%
Residential Mortgage Corp 32, 0.04% 1.65%
Primelending 33, 0.05% 1.69%
New American Funding 34, 0.05% 0.60%
Cardinal Financial Company LP 35, 0.06% 0.67%
Atlantic Bay Mortgage Group 36, 0.07% 0.93%
Quicken Loans 37, 0.08% 8.13%
Blue Ridge Bank 38, 0.09% 1.70%
Homespire Mortgage Corporation 39, 0.10% 1.77%
North State Bank 40, 0.11% 0.69%
Barrington Bank & Trust 41, 0.12% 0.57%
Union Home Mortgage Company 42, 0.13% 5.61%
The Federal Savings Bank 43, 0.13% 0.72%
Carrington Mortgage Services 44, 0.20% 2.34%
CityWorth Mortgage 45, 0.26% 0.59%
NewDay USA 46, 0.39% 0.72%
Mortgage Solutions of Colorado 47, 0.42% 1.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.25% 9.84%
Truist Bank 2, -0.13% 2.14%
Wells Fargo Bank 3, -0.13% 5.42%
Freedom Mortgage Corporation 4, -0.10% 1.31%
Usaa Federal Savings Bank 5, -0.08% 8.85%
First Tennessee Bank National 6, -0.07% 0.75%
Nationstar Mortgage 7, -0.07% 2.65%
First Bank 8, -0.07% 0.68%
American Security Mortgage Corporation 9, -0.07% 3.28%
Pnc Bank 10, -0.05% 0.70%
Certainty Home Loans 11, -0.05% 2.99%
Credit Union Mortgage Association Inc 12, -0.04% 0.46%
Bank of America 13, -0.02% 0.68%
Sharonview Federal CU 14, 0.00% 0.34%
Southern Trust Mortgage 15, 0.01% 5.74%
ALCOVA Mortgage 16, 0.02% 0.85%
First-Citizens Bank & Trust Co 17, 0.02% 0.90%
Plaza Home Mortgage Inc 18, 0.02% 0.39%
Pennymac Loan Services 19, 0.02% 0.15%
GoPrime Mortgage Inc 20, 0.02% 0.97%
Lakeview Loan Servicing 21, 0.02% 0.02%
Movement Mortgage 22, 0.03% 8.87%
Fairway Independent Mort Corp 23, 0.03% 1.82%
Acopia Capital Group 24, 0.04% 1.31%
Guaranteed Rate Inc 25, 0.04% 0.90%
The Federal Savings Bank 26, 0.04% 0.07%
LoanDepot 27, 0.04% 0.32%
CMG Mortgage Inc 28, 0.05% 1.92%
Ovm Financial, Inc 29, 0.05% 5.03%
Residential Mortgage Corp 30, 0.05% 2.09%
Primelending 31, 0.06% 2.21%
State Employees’ Credit Union 32, 0.07% 1.99%
New American Funding 33, 0.07% 0.56%
Caliber Home Loans Inc 34, 0.08% 1.14%
Cardinal Financial Company LP 35, 0.08% 0.70%
Quicken Loans 36, 0.08% 4.28%
NewDay USA 37, 0.09% 0.12%
Atlantic Bay Mortgage Group 38, 0.10% 0.97%
Blue Ridge Bank 39, 0.11% 1.70%
Homespire Mortgage Corporation 40, 0.11% 2.48%
North State Bank 41, 0.13% 0.95%
Barrington Bank & Trust 42, 0.14% 0.75%
Union Home Mortgage Company 43, 0.15% 7.44%
CityWorth Mortgage 44, 0.27% 0.80%
Carrington Mortgage Services 45, 0.40% 0.90%
Mortgage Solutions of Colorado 46, 0.51% 1.53%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Credit Union Mortgage Association Inc 1, -0.21% 1.36%
State Employees’ Credit Union 2, -0.18% 6.67%
Usaa Federal Savings Bank 3, -0.14% 4.49%
Plaza Home Mortgage Inc 4, -0.12% 0.89%
Certainty Home Loans 5, -0.12% 0.83%
Sharonview Federal CU 6, -0.11% 1.48%
Caliber Home Loans Inc 7, -0.11% 2.42%
Village Capital & Investment 8, -0.11% 2.30%
Navy Federal Credit Union 9, -0.10% 1.89%
First Bank 10, -0.09% 0.83%
Southern Trust Mortgage 11, -0.09% 1.71%
Pennymac Loan Services 12, -0.08% 4.37%
LoanDepot 13, -0.06% 5.85%
First-Citizens Bank & Trust Co 14, -0.06% 3.31%
Lakeview Loan Servicing 15, -0.04% 2.36%
Bank of America 16, -0.04% 1.12%
Ovm Financial, Inc 17, -0.04% 0.53%
GoPrime Mortgage Inc 18, -0.04% 0.59%
Truist Bank 19, -0.03% 3.48%
Fairway Independent Mort Corp 20, -0.03% 0.95%
Movement Mortgage 21, -0.03% 2.07%
Guaranteed Rate Inc 22, -0.02% 0.35%
American Security Mortgage Corporation 23, -0.02% 1.12%
North State Bank 24, -0.02% 0.06%
CMG Mortgage Inc 25, -0.02% 0.47%
Union Home Mortgage Company 26, -0.00% 1.18%
Homespire Mortgage Corporation 27, -0.00% 0.06%
ALCOVA Mortgage 28, -0.00% 0.89%
Barrington Bank & Trust 29, -0.00% 0.12%
Residential Mortgage Corp 30, 0.01% 0.59%
Cardinal Financial Company LP 31, 0.01% 0.59%
Atlantic Bay Mortgage Group 32, 0.01% 0.83%
New American Funding 33, 0.02% 0.71%
Acopia Capital Group 34, 0.02% 0.65%
Primelending 35, 0.02% 0.41%
CityWorth Mortgage 36, 0.03% 0.06%
Mortgage Solutions of Colorado 37, 0.04% 0.83%
Blue Ridge Bank 38, 0.05% 1.71%
Quicken Loans 39, 0.06% 17.48%
Pnc Bank 40, 0.06% 3.43%
Carrington Mortgage Services 41, 0.11% 5.85%
The Federal Savings Bank 42, 0.12% 2.30%
Freedom Mortgage Corporation 43, 0.12% 2.84%
Nationstar Mortgage 44, 0.14% 2.01%
Wells Fargo Bank 45, 0.22% 3.78%
NewDay USA 46, 0.41% 2.19%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Credit Union Mortgage Association Inc 1, -0.16% 1.78%
Truist Bank 2, -0.10% 7.64%
First Bank 3, -0.08% 2.01%
State Employees’ Credit Union 4, -0.06% 11.14%
Wells Fargo Bank 5, -0.06% 11.77%
Sharonview Federal CU 6, -0.06% 2.24%
Fairway Independent Mort Corp 7, -0.05% 1.38%
Union Home Mortgage Company 8, -0.04% 3.50%
American Security Mortgage Corporation 9, -0.03% 1.95%
Bank of America 10, -0.03% 2.07%
First-Citizens Bank & Trust Co 11, -0.02% 4.42%
First Tennessee Bank National 12, -0.02% 0.57%
Usaa Federal Savings Bank 13, -0.02% 3.04%
Southern Trust Mortgage 14, -0.01% 3.62%
LoanDepot 15, -0.00% 0.98%
ALCOVA Mortgage 16, 0.00% 1.38%
Acopia Capital Group 17, 0.00% 1.03%
Blue Ridge Bank 18, 0.01% 1.61%
GoPrime Mortgage Inc 19, 0.01% 0.63%
Certainty Home Loans 20, 0.01% 0.86%
Guaranteed Rate Inc 21, 0.02% 0.69%
North State Bank 22, 0.02% 0.29%
Cardinal Financial Company LP 23, 0.03% 0.63%
Homespire Mortgage Corporation 24, 0.03% 0.69%
Atlantic Bay Mortgage Group 25, 0.03% 1.49%
Pennymac Loan Services 26, 0.04% 0.11%
Movement Mortgage 27, 0.04% 4.08%
Caliber Home Loans Inc 28, 0.04% 0.46%
The Federal Savings Bank 29, 0.04% 0.11%
CMG Mortgage Inc 30, 0.05% 0.92%
Primelending 31, 0.05% 1.55%
Pnc Bank 32, 0.05% 4.02%
Mortgage Solutions of Colorado 33, 0.06% 0.06%
Residential Mortgage Corp 34, 0.06% 0.57%
Carrington Mortgage Services 35, 0.06% 0.52%
Freedom Mortgage Corporation 36, 0.09% 0.86%
New American Funding 37, 0.10% 0.63%
Ovm Financial, Inc 38, 0.10% 1.72%
Nationstar Mortgage 39, 0.11% 0.92%
Quicken Loans 40, 0.12% 11.43%
Navy Federal Credit Union 41, 0.17% 4.60%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.18% 14.00%
Truist Bank 2, -0.14% 7.42%
First Bank 3, -0.07% 2.16%
Pnc Bank 4, -0.07% 1.50%
Fairway Independent Mort Corp 5, -0.06% 1.79%
Credit Union Mortgage Association Inc 6, -0.05% 1.03%
American Security Mortgage Corporation 7, -0.04% 2.35%
Union Home Mortgage Company 8, -0.04% 4.79%
Bank of America 9, -0.03% 1.79%
ALCOVA Mortgage 10, -0.01% 1.60%
First Tennessee Bank National 11, -0.01% 0.94%
Usaa Federal Savings Bank 12, -0.00% 4.14%
Southern Trust Mortgage 13, 0.00% 5.26%
Sharonview Federal CU 14, 0.00% 1.32%
Acopia Capital Group 15, 0.01% 1.50%
Blue Ridge Bank 16, 0.01% 1.60%
First-Citizens Bank & Trust Co 17, 0.02% 2.73%
GoPrime Mortgage Inc 18, 0.02% 0.85%
Certainty Home Loans 19, 0.02% 1.22%
Guaranteed Rate Inc 20, 0.03% 1.03%
North State Bank 21, 0.03% 0.38%
LoanDepot 22, 0.04% 0.28%
Atlantic Bay Mortgage Group 23, 0.04% 1.41%
Homespire Mortgage Corporation 24, 0.04% 1.13%
Cardinal Financial Company LP 25, 0.04% 0.85%
Pennymac Loan Services 26, 0.05% 0.09%
Caliber Home Loans Inc 27, 0.05% 0.56%
Freedom Mortgage Corporation 28, 0.05% 0.38%
Movement Mortgage 29, 0.05% 5.73%
CMG Mortgage Inc 30, 0.06% 1.50%
Primelending 31, 0.06% 2.26%
Mortgage Solutions of Colorado 32, 0.07% 0.09%
State Employees’ Credit Union 33, 0.07% 7.71%
Residential Mortgage Corp 34, 0.07% 0.85%
Nationstar Mortgage 35, 0.07% 0.47%
Ovm Financial, Inc 36, 0.11% 2.73%
New American Funding 37, 0.12% 0.85%
Quicken Loans 38, 0.15% 6.86%
Navy Federal Credit Union 39, 0.19% 6.86%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Credit Union Mortgage Association Inc 1, -0.23% 2.95%
State Employees’ Credit Union 2, -0.17% 16.54%
Sharonview Federal CU 3, -0.10% 3.69%
First Bank 4, -0.10% 1.77%
First-Citizens Bank & Trust Co 5, -0.06% 7.09%
Usaa Federal Savings Bank 6, -0.05% 1.33%
Bank of America 7, -0.03% 2.51%
Truist Bank 8, -0.03% 7.98%
LoanDepot 9, -0.02% 2.07%
Southern Trust Mortgage 10, -0.02% 1.03%
GoPrime Mortgage Inc 11, -0.02% 0.30%
Fairway Independent Mort Corp 12, -0.01% 0.74%
Union Home Mortgage Company 13, -0.01% 1.48%
North State Bank 14, -0.01% 0.15%
Movement Mortgage 15, -0.01% 1.48%
Guaranteed Rate Inc 16, -0.00% 0.15%
Certainty Home Loans 17, 0.00% 0.30%
Blue Ridge Bank 18, 0.00% 1.62%
Cardinal Financial Company LP 19, 0.00% 0.30%
American Security Mortgage Corporation 20, 0.02% 1.33%
Pennymac Loan Services 21, 0.02% 0.15%
Ovm Financial, Inc 22, 0.02% 0.15%
Atlantic Bay Mortgage Group 23, 0.02% 1.62%
Navy Federal Credit Union 24, 0.02% 1.03%
The Federal Savings Bank 25, 0.03% 0.30%
New American Funding 26, 0.03% 0.30%
Primelending 27, 0.03% 0.44%
Caliber Home Loans Inc 28, 0.03% 0.30%
Residential Mortgage Corp 29, 0.03% 0.15%
ALCOVA Mortgage 30, 0.04% 1.03%
Acopia Capital Group 31, 0.04% 0.30%
Carrington Mortgage Services 32, 0.05% 1.33%
Pnc Bank 33, 0.08% 7.98%
Quicken Loans 34, 0.09% 18.61%
Freedom Mortgage Corporation 35, 0.09% 1.62%
Nationstar Mortgage 36, 0.12% 1.62%
Wells Fargo Bank 37, 0.25% 8.27%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Nationstar Mortgage 1, -0.13% 4.03%
Navy Federal Credit Union 2, -0.10% 0.98%
Movement Mortgage 3, -0.09% 13.09%
American Security Mortgage Corporation 4, -0.07% 2.51%
Pnc Bank 5, -0.06% 1.09%
First Bank 6, -0.05% 0.65%
Residential Mortgage Corp 7, -0.05% 3.16%
Village Capital & Investment 8, -0.04% 0.87%
Quicken Loans 9, -0.04% 15.16%
Freedom Mortgage Corporation 10, -0.03% 0.87%
Ovm Financial, Inc 11, -0.03% 6.54%
Caliber Home Loans Inc 12, -0.02% 2.29%
Atlantic Bay Mortgage Group 13, -0.02% 0.65%
ALCOVA Mortgage 14, -0.01% 0.87%
Truist Bank 15, -0.01% 0.22%
Pennymac Loan Services 16, -0.01% 0.87%
Bank of America 17, -0.01% 0.65%
Barrington Bank & Trust 18, -0.00% 0.33%
New American Funding 19, 0.00% 0.98%
Plaza Home Mortgage Inc 20, 0.00% 0.87%
First-Citizens Bank & Trust Co 21, 0.00% 0.98%
The Federal Savings Bank 22, 0.01% 0.11%
CMG Mortgage Inc 23, 0.01% 1.64%
NewDay USA 24, 0.01% 0.11%
Acopia Capital Group 25, 0.01% 2.40%
GoPrime Mortgage Inc 26, 0.01% 0.55%
Fairway Independent Mort Corp 27, 0.02% 2.29%
Lakeview Loan Servicing 28, 0.03% 0.76%
Guaranteed Rate Inc 29, 0.03% 0.87%
Certainty Home Loans 30, 0.04% 2.94%
Carrington Mortgage Services 31, 0.04% 1.74%
Wells Fargo Bank 32, 0.04% 1.31%
Homespire Mortgage Corporation 33, 0.04% 4.14%
Cardinal Financial Company LP 34, 0.06% 2.07%
North State Bank 35, 0.06% 0.76%
LoanDepot 36, 0.08% 1.85%
Primelending 37, 0.08% 1.42%
Southern Trust Mortgage 38, 0.10% 4.36%
Union Home Mortgage Company 39, 0.10% 5.78%
Blue Ridge Bank 40, 0.13% 4.03%
Mortgage Solutions of Colorado 41, 0.18% 1.64%
CityWorth Mortgage 42, 0.19% 1.53%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Nationstar Mortgage 1, -0.17% 3.99%
Navy Federal Credit Union 2, -0.10% 1.20%
Movement Mortgage 3, -0.09% 15.71%
Pnc Bank 4, -0.07% 1.20%
American Security Mortgage Corporation 5, -0.07% 3.06%
First Bank 6, -0.06% 0.67%
Residential Mortgage Corp 7, -0.05% 3.73%
Freedom Mortgage Corporation 8, -0.05% 0.80%
Quicken Loans 9, -0.04% 8.26%
Atlantic Bay Mortgage Group 10, -0.03% 0.53%
Ovm Financial, Inc 11, -0.03% 7.86%
Caliber Home Loans Inc 12, -0.02% 2.26%
ALCOVA Mortgage 13, -0.02% 0.80%
Bank of America 14, -0.01% 0.67%
Truist Bank 15, -0.01% 0.27%
Pennymac Loan Services 16, -0.01% 0.40%
Lakeview Loan Servicing 17, -0.00% 0.13%
Barrington Bank & Trust 18, -0.00% 0.40%
Plaza Home Mortgage Inc 19, 0.00% 1.07%
The Federal Savings Bank 20, 0.00% 0.13%
First-Citizens Bank & Trust Co 21, 0.01% 0.80%
New American Funding 22, 0.01% 0.93%
CMG Mortgage Inc 23, 0.01% 1.73%
Acopia Capital Group 24, 0.01% 2.66%
LoanDepot 25, 0.01% 0.67%
GoPrime Mortgage Inc 26, 0.01% 0.53%
Fairway Independent Mort Corp 27, 0.02% 2.80%
Guaranteed Rate Inc 28, 0.03% 1.07%
Certainty Home Loans 29, 0.04% 3.60%
Wells Fargo Bank 30, 0.04% 1.60%
Homespire Mortgage Corporation 31, 0.04% 5.06%
Carrington Mortgage Services 32, 0.05% 0.53%
North State Bank 33, 0.06% 0.93%
Cardinal Financial Company LP 34, 0.07% 2.00%
Primelending 35, 0.08% 1.73%
Union Home Mortgage Company 36, 0.10% 7.06%
Southern Trust Mortgage 37, 0.11% 4.93%
Blue Ridge Bank 38, 0.14% 4.53%
Mortgage Solutions of Colorado 39, 0.19% 1.86%
CityWorth Mortgage 40, 0.19% 1.86%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Village Capital & Investment 1, -0.04% 4.82%
Quicken Loans 2, -0.03% 46.39%
Caliber Home Loans Inc 3, -0.02% 2.41%
Southern Trust Mortgage 4, -0.01% 1.81%
CMG Mortgage Inc 5, -0.01% 1.20%
New American Funding 6, -0.01% 1.20%
Pennymac Loan Services 7, -0.01% 3.01%
First-Citizens Bank & Trust Co 8, 0.00% 1.81%
Movement Mortgage 9, 0.00% 1.20%
Atlantic Bay Mortgage Group 10, 0.00% 1.20%
First Bank 11, 0.01% 0.60%
Ovm Financial, Inc 12, 0.01% 0.60%
Blue Ridge Bank 13, 0.01% 1.81%
ALCOVA Mortgage 14, 0.01% 1.20%
NewDay USA 15, 0.01% 0.60%
Bank of America 16, 0.01% 0.60%
Acopia Capital Group 17, 0.02% 1.20%
Residential Mortgage Corp 18, 0.02% 0.60%
Cardinal Financial Company LP 19, 0.02% 2.41%
Pnc Bank 20, 0.02% 0.60%
Mortgage Solutions of Colorado 21, 0.02% 0.60%
GoPrime Mortgage Inc 22, 0.03% 0.60%
Freedom Mortgage Corporation 23, 0.03% 1.20%
Lakeview Loan Servicing 24, 0.04% 3.61%
Carrington Mortgage Services 25, 0.04% 7.23%
Nationstar Mortgage 26, 0.05% 4.22%
LoanDepot 27, 0.11% 7.23%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Tennessee Bank National 1, -0.02% 16.67%
Bank of America 2, -0.00% 16.67%
First-Citizens Bank & Trust Co 3, -0.00% 8.33%
Credit Union Mortgage Association Inc 4, 0.00% 8.33%
State Employees’ Credit Union 5, 0.00% 8.33%
Southern Trust Mortgage 6, 0.00% 8.33%
Truist Bank 7, 0.00% 8.33%
Wells Fargo Bank 8, 0.01% 16.67%
Navy Federal Credit Union 9, 0.03% 8.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Tennessee Bank National 1, -0.02% 25.00%
Bank of America 2, -0.00% 25.00%
First-Citizens Bank & Trust Co 3, 0.00% 12.50%
Southern Trust Mortgage 4, 0.01% 12.50%
Wells Fargo Bank 5, 0.01% 12.50%
Navy Federal Credit Union 6, 0.03% 12.50%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Credit Union Mortgage Association Inc 1, -0.00% 25.00%
State Employees’ Credit Union 2, -0.00% 25.00%
Wells Fargo Bank 3, -0.00% 25.00%
Truist Bank 4, 0.00% 25.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.35% 11.06%
First Tennessee Bank National 2, -0.12% 0.61%
Certainty Home Loans 3, -0.10% 3.03%
Usaa Federal Savings Bank 4, -0.10% 12.34%
Village Capital & Investment 5, -0.10% 0.99%
American Security Mortgage Corporation 6, -0.08% 3.09%
Plaza Home Mortgage Inc 7, -0.06% 0.73%
Pennymac Loan Services 8, -0.06% 2.23%
LoanDepot 9, -0.06% 2.49%
Lakeview Loan Servicing 10, -0.03% 1.08%
Southern Trust Mortgage 11, -0.03% 5.13%
Wells Fargo Bank 12, -0.03% 2.17%
Credit Union Mortgage Association Inc 13, -0.02% 0.32%
Nationstar Mortgage 14, -0.01% 2.87%
Caliber Home Loans Inc 15, -0.01% 1.88%
Freedom Mortgage Corporation 16, 0.00% 2.52%
GoPrime Mortgage Inc 17, 0.01% 1.08%
First Bank 18, 0.01% 0.03%
Truist Bank 19, 0.01% 0.35%
Guaranteed Rate Inc 20, 0.02% 0.73%
First-Citizens Bank & Trust Co 21, 0.02% 0.19%
Pnc Bank 22, 0.03% 0.22%
CMG Mortgage Inc 23, 0.04% 1.79%
Bank of America 24, 0.04% 0.10%
ALCOVA Mortgage 25, 0.04% 0.57%
Fairway Independent Mort Corp 26, 0.04% 1.47%
Primelending 27, 0.04% 1.85%
Ovm Financial, Inc 28, 0.05% 4.02%
New American Funding 29, 0.05% 0.48%
Acopia Capital Group 30, 0.05% 0.80%
Movement Mortgage 31, 0.06% 6.66%
Residential Mortgage Corp 32, 0.08% 1.82%
Cardinal Financial Company LP 33, 0.08% 0.29%
Blue Ridge Bank 34, 0.11% 1.08%
Quicken Loans 35, 0.13% 4.27%
Barrington Bank & Trust 36, 0.14% 0.96%
North State Bank 37, 0.14% 0.89%
The Federal Savings Bank 38, 0.14% 1.24%
Atlantic Bay Mortgage Group 39, 0.15% 0.70%
Homespire Mortgage Corporation 40, 0.16% 1.69%
Union Home Mortgage Company 41, 0.19% 6.76%
Carrington Mortgage Services 42, 0.24% 3.54%
CityWorth Mortgage 43, 0.29% 0.64%
NewDay USA 44, 0.40% 1.31%
Mortgage Solutions of Colorado 45, 0.49% 1.94%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.35% 14.05%
Freedom Mortgage Corporation 2, -0.11% 1.92%
First Tennessee Bank National 3, -0.11% 0.83%
Certainty Home Loans 4, -0.09% 3.62%
Usaa Federal Savings Bank 5, -0.08% 13.97%
American Security Mortgage Corporation 6, -0.07% 3.80%
Nationstar Mortgage 7, -0.05% 3.23%
Wells Fargo Bank 8, -0.03% 2.66%
Credit Union Mortgage Association Inc 9, -0.01% 0.35%
Southern Trust Mortgage 10, -0.01% 6.20%
Truist Bank 11, 0.01% 0.31%
Plaza Home Mortgage Inc 12, 0.02% 0.35%
Pennymac Loan Services 13, 0.03% 0.09%
GoPrime Mortgage Inc 14, 0.03% 1.18%
Guaranteed Rate Inc 15, 0.04% 0.79%
Pnc Bank 16, 0.05% 0.17%
The Federal Savings Bank 17, 0.05% 0.09%
CMG Mortgage Inc 18, 0.05% 2.18%
First-Citizens Bank & Trust Co 19, 0.05% 0.04%
Bank of America 20, 0.05% 0.09%
LoanDepot 21, 0.06% 0.22%
Primelending 22, 0.06% 2.36%
New American Funding 23, 0.06% 0.31%
Ovm Financial, Inc 24, 0.06% 5.19%
Acopia Capital Group 25, 0.07% 0.79%
ALCOVA Mortgage 26, 0.07% 0.52%
Fairway Independent Mort Corp 27, 0.07% 1.53%
Movement Mortgage 28, 0.08% 8.12%
NewDay USA 29, 0.10% 0.22%
Residential Mortgage Corp 30, 0.10% 2.14%
Blue Ridge Bank 31, 0.11% 0.83%
Quicken Loans 32, 0.11% 1.79%
Cardinal Financial Company LP 33, 0.12% 0.22%
Caliber Home Loans Inc 34, 0.14% 1.05%
North State Bank 35, 0.16% 1.22%
Barrington Bank & Trust 36, 0.16% 1.22%
Atlantic Bay Mortgage Group 37, 0.17% 0.92%
Homespire Mortgage Corporation 38, 0.17% 2.27%
Union Home Mortgage Company 39, 0.21% 8.82%
CityWorth Mortgage 40, 0.32% 0.83%
Carrington Mortgage Services 41, 0.45% 1.44%
Mortgage Solutions of Colorado 42, 0.62% 2.10%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Usaa Federal Savings Bank 1, -0.16% 7.92%
Certainty Home Loans 2, -0.15% 1.42%
Navy Federal Credit Union 3, -0.15% 2.96%
Caliber Home Loans Inc 4, -0.14% 4.14%
Plaza Home Mortgage Inc 5, -0.13% 1.77%
Village Capital & Investment 6, -0.13% 3.66%
Southern Trust Mortgage 7, -0.13% 2.25%
LoanDepot 8, -0.10% 8.63%
Pennymac Loan Services 9, -0.10% 8.04%
Lakeview Loan Servicing 10, -0.06% 4.02%
Ovm Financial, Inc 11, -0.06% 0.83%
GoPrime Mortgage Inc 12, -0.06% 0.83%
American Security Mortgage Corporation 13, -0.06% 1.18%
Fairway Independent Mort Corp 14, -0.05% 1.30%
ALCOVA Mortgage 15, -0.04% 0.71%
Movement Mortgage 16, -0.04% 2.72%
Guaranteed Rate Inc 17, -0.04% 0.59%
First Bank 18, -0.03% 0.12%
CMG Mortgage Inc 19, -0.03% 0.71%
Credit Union Mortgage Association Inc 20, -0.02% 0.24%
First-Citizens Bank & Trust Co 21, -0.01% 0.59%
Homespire Mortgage Corporation 22, -0.01% 0.12%
Barrington Bank & Trust 23, -0.01% 0.24%
Bank of America 24, -0.01% 0.12%
Pnc Bank 25, -0.01% 0.35%
Residential Mortgage Corp 26, -0.01% 0.95%
Truist Bank 27, 0.00% 0.47%
Union Home Mortgage Company 28, 0.00% 1.18%
Cardinal Financial Company LP 29, 0.01% 0.47%
Primelending 30, 0.01% 0.47%
Acopia Capital Group 31, 0.01% 0.83%
New American Funding 32, 0.01% 0.95%
CityWorth Mortgage 33, 0.02% 0.12%
Atlantic Bay Mortgage Group 34, 0.02% 0.12%
Mortgage Solutions of Colorado 35, 0.03% 1.54%
Blue Ridge Bank 36, 0.09% 1.77%
Wells Fargo Bank 37, 0.10% 0.83%
Quicken Loans 38, 0.11% 10.99%
The Federal Savings Bank 39, 0.11% 4.37%
Carrington Mortgage Services 40, 0.12% 9.22%
Freedom Mortgage Corporation 41, 0.13% 4.14%
Nationstar Mortgage 42, 0.19% 1.89%
NewDay USA 43, 0.41% 4.26%

* Data is compiled for the Fayetteville, NC commuting zone area, which comprises of counties of Bladen County, NC, Columbus County, NC, Cumberland County, NC, Hoke County, NC, Robeson County, NC, and Scotland County, NC. This includes cities/towns/communities of Fayetteville, NC as well as Hope Mills, NC, Rockfish, NC, Lumberton, NC, Eastover, NC, Linden, NC, Laurinburg, NC, Stedman, NC, Raeford, NC, Whiteville, NC, Five Points, NC, Lake Waccamaw, NC, White Lake, NC, Wagram, NC, Spring Lake, NC, Laurel Hill, NC, Parkton, NC, Red Springs, NC, McDonald, NC, Elizabethtown, NC, Prospect, NC, Bladenboro, NC, Riegelwood, NC, Dundarrach, NC, Dublin, NC, Rennert, NC, Brunswick, NC, Tabor City, NC, St. Pauls, NC, Chadbourn, NC, Clarkton, NC, Hallsboro, NC, Pembroke, NC, Fairmont, NC, Fair Bluff, NC, White Oak, NC, Maxton, NC, Proctorville, NC, Evergreen, NC, Rowland, NC, Elrod, NC, Raemon, NC, Maxton, NC, and Bolton, 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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