Top Mortgage Lenders in Pinehurst, NC

Which mortgage lender in the Pinehurst, 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 Pinehurst, 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 Pinehurst, NC area is Navy Federal Credit Union, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.10%. This means that Navy Federal Credit Union provided a -0.10% lower interest rate for its customers than other lenders in Pinehurst, NC for a similar set of borrowers. Navy Federal Credit Union has a market share of 3.9%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 13.9%. 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 Pinehurst, 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 Pinehurst, NC is First 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 Movement 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.

Ranking of Mortgage Lenders in Pinehurst, NC

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.10% 3.94%
GoPrime Mortgage Inc 2, -0.09% 6.20%
First Bank 3, -0.09% 2.92%
CMG Mortgage Inc 4, -0.04% 4.30%
Truist Bank 5, -0.03% 5.99%
Wells Fargo Bank 6, -0.03% 6.20%
Prosperity Home Mortgage 7, -0.03% 3.07%
American Security Mortgage Corporation 8, -0.02% 1.95%
First-Citizens Bank & Trust Co 9, -0.02% 2.77%
ALCOVA Mortgage 10, -0.02% 3.43%
Union Home Mortgage Company 11, -0.01% 1.74%
State Employees’ Credit Union 12, -0.00% 7.02%
Pnc Bank 13, 0.00% 2.51%
Movement Mortgage 14, 0.01% 13.11%
The Fidelity Bank 15, 0.02% 3.12%
LoanDepot 16, 0.02% 1.69%
Usaa Federal Savings Bank 17, 0.04% 8.15%
Southern Trust Mortgage 18, 0.04% 3.12%
NFM, Inc 19, 0.04% 4.87%
Quicken Loans 20, 0.08% 13.88%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.11% 5.06%
Pnc Bank 2, -0.11% 1.56%
GoPrime Mortgage Inc 3, -0.08% 6.85%
CMG Mortgage Inc 4, -0.07% 4.77%
Wells Fargo Bank 5, -0.04% 7.45%
First Bank 6, -0.03% 2.31%
First-Citizens Bank & Trust Co 7, -0.02% 2.01%
Prosperity Home Mortgage 8, -0.02% 4.10%
American Security Mortgage Corporation 9, -0.02% 2.23%
Truist Bank 10, -0.02% 5.66%
The Fidelity Bank 11, -0.02% 2.61%
ALCOVA Mortgage 12, -0.01% 3.50%
Union Home Mortgage Company 13, -0.01% 2.46%
LoanDepot 14, 0.01% 0.45%
Movement Mortgage 15, 0.01% 17.65%
NFM, Inc 16, 0.05% 6.11%
Southern Trust Mortgage 17, 0.05% 3.57%
Usaa Federal Savings Bank 18, 0.06% 9.46%
Quicken Loans 19, 0.08% 7.82%
State Employees’ Credit Union 20, 0.11% 4.39%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Bank 1, -0.16% 4.27%
GoPrime Mortgage Inc 2, -0.15% 4.76%
State Employees’ Credit Union 3, -0.09% 12.81%
Truist Bank 4, -0.05% 6.73%
ALCOVA Mortgage 5, -0.04% 3.28%
Prosperity Home Mortgage 6, -0.04% 0.82%
Usaa Federal Savings Bank 7, -0.04% 5.25%
American Security Mortgage Corporation 8, -0.03% 1.31%
Movement Mortgage 9, -0.02% 3.12%
First-Citizens Bank & Trust Co 10, -0.02% 4.43%
Union Home Mortgage Company 11, -0.02% 0.16%
NFM, Inc 12, -0.01% 2.13%
Southern Trust Mortgage 13, -0.01% 2.13%
Navy Federal Credit Union 14, 0.00% 1.48%
LoanDepot 15, 0.02% 4.43%
CMG Mortgage Inc 16, 0.04% 3.28%
Wells Fargo Bank 17, 0.06% 3.45%
The Fidelity Bank 18, 0.06% 4.27%
Pnc Bank 19, 0.09% 4.60%
Quicken Loans 20, 0.09% 27.26%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Bank 1, -0.10% 5.08%
GoPrime Mortgage Inc 2, -0.09% 3.10%
Movement Mortgage 3, -0.06% 9.59%
CMG Mortgage Inc 4, -0.05% 3.38%
Wells Fargo Bank 5, -0.04% 8.36%
Truist Bank 6, -0.04% 8.36%
First-Citizens Bank & Trust Co 7, -0.04% 3.29%
Union Home Mortgage Company 8, -0.03% 0.94%
Prosperity Home Mortgage 9, -0.03% 3.57%
American Security Mortgage Corporation 10, -0.02% 1.41%
Usaa Federal Savings Bank 11, -0.01% 2.26%
LoanDepot 12, -0.01% 1.03%
State Employees’ Credit Union 13, -0.01% 12.88%
Pnc Bank 14, 0.00% 4.32%
ALCOVA Mortgage 15, 0.02% 2.54%
The Fidelity Bank 16, 0.02% 4.32%
Navy Federal Credit Union 17, 0.04% 1.79%
Southern Trust Mortgage 18, 0.06% 1.41%
NFM, Inc 19, 0.07% 5.83%
Quicken Loans 20, 0.11% 16.54%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pnc Bank 1, -0.12% 2.89%
GoPrime Mortgage Inc 2, -0.09% 4.41%
CMG Mortgage Inc 3, -0.09% 3.96%
Wells Fargo Bank 4, -0.07% 10.65%
Movement Mortgage 5, -0.06% 13.55%
First-Citizens Bank & Trust Co 6, -0.05% 2.44%
Union Home Mortgage Company 7, -0.03% 1.37%
First Bank 8, -0.03% 4.26%
The Fidelity Bank 9, -0.03% 3.35%
Prosperity Home Mortgage 10, -0.02% 5.02%
Truist Bank 11, -0.02% 8.37%
LoanDepot 12, -0.02% 0.30%
American Security Mortgage Corporation 13, -0.01% 1.52%
Usaa Federal Savings Bank 14, -0.00% 2.89%
ALCOVA Mortgage 15, 0.02% 3.20%
Navy Federal Credit Union 16, 0.05% 2.13%
Southern Trust Mortgage 17, 0.06% 2.13%
NFM, Inc 18, 0.08% 8.37%
State Employees’ Credit Union 19, 0.11% 8.98%
Quicken Loans 20, 0.12% 10.20%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Bank 1, -0.17% 6.39%
State Employees’ Credit Union 2, -0.10% 19.16%
Truist Bank 3, -0.07% 8.35%
Usaa Federal Savings Bank 4, -0.05% 1.23%
GoPrime Mortgage Inc 5, -0.05% 0.98%
Prosperity Home Mortgage 6, -0.05% 1.23%
Movement Mortgage 7, -0.04% 3.19%
American Security Mortgage Corporation 8, -0.04% 1.23%
Southern Trust Mortgage 9, -0.03% 0.25%
Union Home Mortgage Company 10, -0.03% 0.25%
First-Citizens Bank & Trust Co 11, -0.02% 4.67%
LoanDepot 12, -0.01% 2.21%
NFM, Inc 13, -0.01% 1.72%
ALCOVA Mortgage 14, -0.00% 1.47%
Navy Federal Credit Union 15, 0.00% 1.23%
CMG Mortgage Inc 16, 0.05% 2.46%
The Fidelity Bank 17, 0.06% 5.90%
Wells Fargo Bank 18, 0.06% 4.67%
Pnc Bank 19, 0.08% 6.63%
Quicken Loans 20, 0.11% 26.78%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Movement Mortgage 1, -0.01% 30.71%
Quicken Loans 2, -0.01% 32.86%
NFM, Inc 3, -0.01% 7.14%
GoPrime Mortgage Inc 4, -0.00% 2.86%
American Security Mortgage Corporation 5, -0.00% 5.00%
Truist Bank 6, 0.02% 0.71%
Union Home Mortgage Company 7, 0.02% 3.57%
ALCOVA Mortgage 8, 0.02% 3.57%
Prosperity Home Mortgage 9, 0.02% 2.14%
CMG Mortgage Inc 10, 0.04% 5.00%
Southern Trust Mortgage 11, 0.04% 1.43%
The Fidelity Bank 12, 0.05% 1.43%
LoanDepot 13, 0.06% 3.57%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.02% 16.19%
NFM, Inc 2, -0.01% 7.62%
Movement Mortgage 3, -0.01% 40.95%
GoPrime Mortgage Inc 4, -0.00% 3.81%
American Security Mortgage Corporation 5, -0.00% 6.67%
Truist Bank 6, 0.02% 0.95%
ALCOVA Mortgage 7, 0.02% 2.86%
Union Home Mortgage Company 8, 0.02% 4.76%
Prosperity Home Mortgage 9, 0.02% 2.86%
CMG Mortgage Inc 10, 0.04% 6.67%
Southern Trust Mortgage 11, 0.04% 1.90%
The Fidelity Bank 12, 0.05% 1.90%
LoanDepot 13, 0.07% 2.86%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.00% 82.86%
NFM, Inc 2, 0.01% 5.71%
ALCOVA Mortgage 3, 0.02% 5.71%
LoanDepot 4, 0.03% 5.71%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.01% 22.50%
First-Citizens Bank & Trust Co 2, -0.00% 30.00%
Truist Bank 3, 0.00% 27.50%
Pnc Bank 4, 0.01% 7.50%
First Bank 5, 0.01% 2.50%
Prosperity Home Mortgage 6, 0.02% 2.50%
Navy Federal Credit Union 7, 0.02% 2.50%
The Fidelity Bank 8, 0.02% 2.50%
Quicken Loans 9, 0.02% 2.50%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.02% 30.43%
Truist Bank 2, -0.00% 26.09%
First Bank 3, 0.01% 4.35%
Pnc Bank 4, 0.01% 8.70%
Prosperity Home Mortgage 5, 0.01% 4.35%
The Fidelity Bank 6, 0.02% 4.35%
First-Citizens Bank & Trust Co 7, 0.02% 21.74%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First-Citizens Bank & Trust Co 1, -0.02% 41.18%
Truist Bank 2, 0.01% 29.41%
Wells Fargo Bank 3, 0.01% 11.76%
Pnc Bank 4, 0.01% 5.88%
Navy Federal Credit Union 5, 0.02% 5.88%
Quicken Loans 6, 0.03% 5.88%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.15% 8.05%
GoPrime Mortgage Inc 2, -0.10% 11.86%
ALCOVA Mortgage 3, -0.05% 4.94%
First Bank 4, -0.05% 0.28%
CMG Mortgage Inc 5, -0.04% 5.79%
Prosperity Home Mortgage 6, -0.03% 2.54%
American Security Mortgage Corporation 7, -0.03% 2.26%
Truist Bank 8, -0.02% 2.26%
NFM, Inc 9, -0.01% 3.25%
The Fidelity Bank 10, -0.01% 1.69%
Union Home Mortgage Company 11, 0.00% 2.68%
First-Citizens Bank & Trust Co 12, 0.01% 0.99%
Wells Fargo Bank 13, 0.02% 3.25%
Southern Trust Mortgage 14, 0.03% 6.21%
LoanDepot 15, 0.04% 2.40%
Usaa Federal Savings Bank 16, 0.04% 19.07%
Quicken Loans 17, 0.09% 6.78%
Movement Mortgage 18, 0.09% 15.68%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.16% 9.68%
GoPrime Mortgage Inc 2, -0.08% 10.57%
CMG Mortgage Inc 3, -0.07% 5.56%
First Bank 4, -0.06% 0.36%
ALCOVA Mortgage 5, -0.05% 4.12%
Prosperity Home Mortgage 6, -0.04% 3.23%
American Security Mortgage Corporation 7, -0.03% 2.33%
Truist Bank 8, -0.03% 2.51%
The Fidelity Bank 9, -0.01% 1.79%
LoanDepot 10, -0.01% 0.18%
NFM, Inc 11, -0.01% 3.41%
Union Home Mortgage Company 12, -0.00% 3.41%
First-Citizens Bank & Trust Co 13, 0.01% 1.08%
Wells Fargo Bank 14, 0.01% 4.12%
Quicken Loans 15, 0.02% 3.76%
Southern Trust Mortgage 16, 0.05% 5.73%
Usaa Federal Savings Bank 17, 0.06% 19.35%
Movement Mortgage 18, 0.09% 18.82%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
GoPrime Mortgage Inc 1, -0.15% 16.67%
ALCOVA Mortgage 2, -0.06% 8.00%
Usaa Federal Savings Bank 3, -0.02% 18.00%
NFM, Inc 4, -0.02% 2.67%
First-Citizens Bank & Trust Co 5, -0.01% 0.67%
American Security Mortgage Corporation 6, -0.01% 2.00%
Navy Federal Credit Union 7, -0.01% 2.00%
Southern Trust Mortgage 8, 0.01% 8.00%
The Fidelity Bank 9, 0.01% 1.33%
Movement Mortgage 10, 0.02% 4.00%
Truist Bank 11, 0.02% 1.33%
CMG Mortgage Inc 12, 0.03% 6.67%
LoanDepot 13, 0.05% 10.67%
Quicken Loans 14, 0.15% 18.00%

* Data is compiled for the Pinehurst, NC commuting zone area, which comprises of counties of Montgomery County, NC, Moore County, NC, and Richmond County, NC. This includes cities/towns/communities of Pinehurst, NC as well as Southern Pines, NC, Whispering Pines, NC, Seven Lakes, NC, Aberdeen, NC, Cameron, NC, Rockingham, NC, Carthage, NC, Pinebluff, NC, Hamlet, NC, Troy, NC, Mount Gilead, NC, Robbins, NC, Biscoe, NC, Hoffman, NC, Ellerbe, NC, Cordova, NC, Candor, NC, and East Rockingham, 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

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