Top Mortgage Lenders in the St. Simons, GA area

Which mortgage lender in the St. Simons, GA 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 St. Simons, GA 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 St. Simons, GA area is Guaranty Home Mortgage Corporation, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.09%. This means that Guaranty Home Mortgage Corporation provided a -0.09% lower interest rate for its customers than other lenders in St. Simons, GA for a similar set of borrowers. Guaranty Home Mortgage Corporation has a market share of 4.8%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 34.8%. Quicken Loans is an average rate lender in this area, with a “Rate Difference” of +0.02% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the St. Simons, GA 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 St. Simons, GA is Brand Mortgage. 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 Guaranty Home Mortgage 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
Guaranty Home Mortgage Corporation 1, -0.09% 4.83%
Brand Mortgage 2, -0.07% 7.92%
Pennymac Loan Services 3, -0.06% 5.00%
Truist Bank 4, -0.05% 2.67%
United Community Bank 5, -0.03% 4.75%
Usaa Federal Savings Bank 6, -0.03% 2.58%
Ameris Bank 7, -0.02% 2.92%
Navy Federal Credit Union 8, -0.02% 3.17%
Wells Fargo Bank 9, -0.01% 4.00%
Guaranteed Rate Inc 10, 0.01% 3.08%
HomeStar Financial Corporation 11, 0.01% 6.25%
Quicken Loans 12, 0.02% 34.83%
Stearns Lending 13, 0.03% 4.75%
Bay Equity 14, 0.06% 4.00%
HomeBridge Financial Services, Inc 15, 0.07% 9.25%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guaranty Home Mortgage Corporation 1, -0.10% 4.17%
Brand Mortgage 2, -0.06% 8.70%
Pennymac Loan Services 3, -0.06% 5.01%
Truist Bank 4, -0.06% 2.50%
United Community Bank 5, -0.05% 4.89%
Usaa Federal Savings Bank 6, -0.03% 2.98%
Navy Federal Credit Union 7, -0.01% 4.17%
Ameris Bank 8, -0.01% 2.03%
Quicken Loans 9, 0.00% 27.29%
Wells Fargo Bank 10, 0.00% 4.53%
HomeStar Financial Corporation 11, 0.01% 8.22%
Guaranteed Rate Inc 12, 0.02% 3.69%
Stearns Lending 13, 0.04% 5.36%
HomeBridge Financial Services, Inc 14, 0.08% 11.80%
Bay Equity 15, 0.08% 4.65%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Brand Mortgage 1, -0.09% 6.09%
Guaranty Home Mortgage Corporation 2, -0.08% 6.37%
Pennymac Loan Services 3, -0.05% 4.99%
Wells Fargo Bank 4, -0.05% 2.77%
Usaa Federal Savings Bank 5, -0.04% 1.66%
Truist Bank 6, -0.04% 3.05%
Ameris Bank 7, -0.04% 4.99%
Navy Federal Credit Union 8, -0.03% 0.83%
Stearns Lending 9, -0.03% 3.32%
Guaranteed Rate Inc 10, -0.03% 1.66%
HomeStar Financial Corporation 11, -0.01% 1.66%
Bay Equity 12, -0.00% 2.49%
United Community Bank 13, -0.00% 4.43%
HomeBridge Financial Services, Inc 14, 0.01% 3.32%
Quicken Loans 15, 0.04% 52.35%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Brand Mortgage 1, -0.09% 10.45%
Guaranty Home Mortgage Corporation 2, -0.08% 5.22%
Truist Bank 3, -0.06% 3.31%
Pennymac Loan Services 4, -0.06% 4.46%
United Community Bank 5, -0.04% 5.73%
HomeStar Financial Corporation 6, -0.03% 2.68%
Ameris Bank 7, -0.03% 2.80%
Wells Fargo Bank 8, -0.01% 4.71%
Guaranteed Rate Inc 9, 0.00% 3.06%
Usaa Federal Savings Bank 10, 0.00% 1.02%
Stearns Lending 11, 0.02% 3.18%
Quicken Loans 12, 0.03% 38.34%
HomeBridge Financial Services, Inc 13, 0.05% 8.28%
Navy Federal Credit Union 14, 0.05% 2.80%
Bay Equity 15, 0.06% 3.95%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Brand Mortgage 1, -0.08% 12.02%
Guaranty Home Mortgage Corporation 2, -0.07% 3.88%
Truist Bank 3, -0.06% 3.68%
Pennymac Loan Services 4, -0.05% 5.23%
United Community Bank 5, -0.05% 6.01%
HomeStar Financial Corporation 6, -0.03% 3.29%
Ameris Bank 7, -0.01% 1.74%
Wells Fargo Bank 8, 0.01% 6.01%
Quicken Loans 9, 0.01% 30.23%
Guaranteed Rate Inc 10, 0.02% 3.88%
Usaa Federal Savings Bank 11, 0.02% 1.36%
Stearns Lending 12, 0.05% 2.91%
HomeBridge Financial Services, Inc 13, 0.06% 11.43%
Navy Federal Credit Union 14, 0.08% 3.68%
Bay Equity 15, 0.09% 4.65%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Brand Mortgage 1, -0.11% 7.43%
Guaranty Home Mortgage Corporation 2, -0.09% 7.81%
Pennymac Loan Services 3, -0.06% 2.97%
Truist Bank 4, -0.06% 2.60%
Wells Fargo Bank 5, -0.06% 2.23%
Ameris Bank 6, -0.05% 4.83%
Navy Federal Credit Union 7, -0.04% 1.12%
Stearns Lending 8, -0.04% 3.72%
Guaranteed Rate Inc 9, -0.04% 1.49%
Usaa Federal Savings Bank 10, -0.03% 0.37%
HomeStar Financial Corporation 11, -0.02% 1.49%
Bay Equity 12, -0.01% 2.60%
United Community Bank 13, -0.01% 5.20%
HomeBridge Financial Services, Inc 14, 0.02% 2.23%
Quicken Loans 15, 0.05% 53.90%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guaranty Home Mortgage Corporation 1, -0.16% 6.57%
Pennymac Loan Services 2, -0.06% 5.63%
United Community Bank 3, -0.04% 3.76%
Quicken Loans 4, -0.03% 26.29%
Navy Federal Credit Union 5, -0.02% 0.47%
Ameris Bank 6, -0.02% 3.76%
Brand Mortgage 7, 0.02% 4.23%
HomeStar Financial Corporation 8, 0.02% 19.72%
Stearns Lending 9, 0.03% 11.27%
Guaranteed Rate Inc 10, 0.05% 2.35%
Bay Equity 11, 0.06% 4.69%
HomeBridge Financial Services, Inc 12, 0.11% 11.27%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guaranty Home Mortgage Corporation 1, -0.17% 7.34%
Pennymac Loan Services 2, -0.10% 4.52%
United Community Bank 3, -0.05% 4.52%
Quicken Loans 4, -0.04% 17.51%
Navy Federal Credit Union 5, -0.02% 0.56%
Ameris Bank 6, -0.02% 3.39%
HomeStar Financial Corporation 7, 0.01% 23.16%
Brand Mortgage 8, 0.01% 4.52%
Stearns Lending 9, 0.03% 12.99%
Guaranteed Rate Inc 10, 0.05% 2.82%
Bay Equity 11, 0.07% 5.08%
HomeBridge Financial Services, Inc 12, 0.11% 13.56%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.00% 69.44%
Guaranty Home Mortgage Corporation 2, -0.00% 2.78%
Stearns Lending 3, 0.00% 2.78%
Brand Mortgage 4, 0.01% 2.78%
Ameris Bank 5, 0.01% 5.56%
Bay Equity 6, 0.01% 2.78%
Pennymac Loan Services 7, 0.01% 11.11%
HomeStar Financial Corporation 8, 0.01% 2.78%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.02% 30.00%
Stearns Lending 2, -0.01% 3.33%
Truist Bank 3, 0.00% 16.67%
Ameris Bank 4, 0.00% 3.33%
Brand Mortgage 5, 0.00% 3.33%
Navy Federal Credit Union 6, 0.01% 3.33%
Guaranty Home Mortgage Corporation 7, 0.01% 3.33%
Bay Equity 8, 0.01% 3.33%
Guaranteed Rate Inc 9, 0.01% 3.33%
United Community Bank 10, 0.01% 10.00%
Quicken Loans 11, 0.01% 20.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.02% 29.41%
Stearns Lending 2, -0.01% 5.88%
Navy Federal Credit Union 3, 0.00% 5.88%
United Community Bank 4, 0.00% 11.76%
Truist Bank 5, 0.00% 11.76%
Bay Equity 6, 0.00% 5.88%
Guaranteed Rate Inc 7, 0.00% 5.88%
Quicken Loans 8, 0.02% 23.53%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.02% 30.77%
Truist Bank 2, 0.00% 23.08%
Ameris Bank 3, 0.01% 7.69%
Brand Mortgage 4, 0.01% 7.69%
Guaranty Home Mortgage Corporation 5, 0.01% 7.69%
Quicken Loans 6, 0.01% 15.38%
United Community Bank 7, 0.02% 7.69%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.12% 8.14%
Pennymac Loan Services 2, -0.04% 7.56%
Usaa Federal Savings Bank 3, -0.03% 13.37%
Ameris Bank 4, -0.01% 2.33%
United Community Bank 5, -0.00% 0.58%
Guaranteed Rate Inc 6, -0.00% 4.07%
Quicken Loans 7, 0.00% 31.98%
Truist Bank 8, 0.00% 0.58%
Guaranty Home Mortgage Corporation 9, 0.01% 1.16%
Wells Fargo Bank 10, 0.01% 1.16%
Brand Mortgage 11, 0.02% 1.74%
Stearns Lending 12, 0.03% 4.07%
HomeStar Financial Corporation 13, 0.04% 6.98%
HomeBridge Financial Services, Inc 14, 0.07% 12.79%
Bay Equity 15, 0.07% 3.49%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.12% 10.85%
Pennymac Loan Services 2, -0.05% 5.43%
Usaa Federal Savings Bank 3, -0.03% 13.95%
Ameris Bank 4, -0.01% 1.55%
Quicken Loans 5, -0.01% 29.46%
Guaranteed Rate Inc 6, -0.00% 3.88%
Guaranty Home Mortgage Corporation 7, 0.01% 1.55%
Wells Fargo Bank 8, 0.02% 1.55%
Brand Mortgage 9, 0.02% 2.33%
Stearns Lending 10, 0.04% 4.65%
HomeStar Financial Corporation 11, 0.05% 8.53%
Bay Equity 12, 0.09% 3.88%
HomeBridge Financial Services, Inc 13, 0.09% 12.40%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pennymac Loan Services 1, -0.04% 13.95%
Usaa Federal Savings Bank 2, -0.02% 11.63%
Ameris Bank 3, -0.01% 4.65%
United Community Bank 4, -0.01% 2.33%
Truist Bank 5, -0.00% 2.33%
HomeStar Financial Corporation 6, 0.00% 2.33%
Guaranteed Rate Inc 7, 0.00% 4.65%
Stearns Lending 8, 0.01% 2.33%
Bay Equity 9, 0.01% 2.33%
HomeBridge Financial Services, Inc 10, 0.01% 13.95%
Quicken Loans 11, 0.02% 39.53%

* Data is compiled for the St. Simons, GA commuting zone area, which comprises of counties of Brantley County, GA, Glynn County, GA, and McIntosh County, GA. This includes cities/towns/communities of St. Simons, GA as well as Dock Junction, GA, Country Club Estates, GA, Darien, GA, Brunswick, GA, Hoboken, GA, and Nahunta, GA. 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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