Top Mortgage Lenders in the Goldsboro, NC area

Which mortgage lender in the Goldsboro, 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 Goldsboro, 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 Goldsboro, NC area is Truist Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.10%. This means that Truist Bank provided a -0.10% lower interest rate for its customers than other lenders in Goldsboro, NC for a similar set of borrowers. Truist Bank has a market share of 21.6%. It is also the most popular lender in the area.

Our detailed rankings of the mortgage lenders for the Goldsboro, 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 Goldsboro, NC is Truist 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-Citizens Bank & Trust Co. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Cornerstone Home Lending, Inc. 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
Truist Bank 1, -0.10% 21.58%
Wells Fargo Bank 2, -0.04% 16.54%
Southern Bank and Trust Company 3, -0.01% 3.22%
Navy Federal Credit Union 4, -0.01% 4.35%
State Employees’ Credit Union 5, -0.00% 15.32%
Cornerstone Home Lending, Inc 6, 0.00% 6.35%
Usaa Federal Savings Bank 7, 0.02% 4.87%
First-Citizens Bank & Trust Co 8, 0.09% 3.39%
Quicken Loans 9, 0.10% 14.36%
Movement Mortgage 10, 0.11% 10.01%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Truist Bank 1, -0.13% 22.50%
Wells Fargo Bank 2, -0.04% 21.88%
Navy Federal Credit Union 3, -0.01% 5.88%
Cornerstone Home Lending, Inc 4, 0.01% 9.00%
Southern Bank and Trust Company 5, 0.01% 2.38%
Usaa Federal Savings Bank 6, 0.05% 5.12%
Quicken Loans 7, 0.08% 5.62%
First-Citizens Bank & Trust Co 8, 0.10% 3.25%
Movement Mortgage 9, 0.11% 14.00%
State Employees’ Credit Union 10, 0.12% 10.38%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
State Employees’ Credit Union 1, -0.12% 26.65%
Usaa Federal Savings Bank 2, -0.05% 4.30%
Southern Bank and Trust Company 3, -0.04% 5.16%
Truist Bank 4, -0.02% 19.48%
Movement Mortgage 5, 0.02% 0.86%
Cornerstone Home Lending, Inc 6, 0.03% 0.29%
First-Citizens Bank & Trust Co 7, 0.06% 3.72%
Navy Federal Credit Union 8, 0.08% 0.86%
Wells Fargo Bank 9, 0.08% 4.30%
Quicken Loans 10, 0.10% 34.38%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Truist Bank 1, -0.11% 30.42%
Wells Fargo Bank 2, -0.02% 12.68%
Southern Bank and Trust Company 3, 0.00% 5.21%
State Employees’ Credit Union 4, 0.01% 24.79%
Cornerstone Home Lending, Inc 5, 0.05% 3.66%
Usaa Federal Savings Bank 6, 0.05% 0.70%
Navy Federal Credit Union 7, 0.10% 2.54%
First-Citizens Bank & Trust Co 8, 0.11% 4.08%
Movement Mortgage 9, 0.13% 4.79%
Quicken Loans 10, 0.15% 11.13%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Truist Bank 1, -0.14% 34.53%
Wells Fargo Bank 2, -0.03% 16.82%
Southern Bank and Trust Company 3, 0.03% 4.26%
Cornerstone Home Lending, Inc 4, 0.06% 5.83%
Usaa Federal Savings Bank 5, 0.08% 0.67%
Quicken Loans 6, 0.09% 4.26%
Navy Federal Credit Union 7, 0.11% 3.36%
First-Citizens Bank & Trust Co 8, 0.13% 4.26%
State Employees’ Credit Union 9, 0.14% 18.61%
Movement Mortgage 10, 0.14% 7.40%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
State Employees’ Credit Union 1, -0.11% 35.23%
Southern Bank and Trust Company 2, -0.03% 6.82%
Truist Bank 3, -0.01% 23.48%
Usaa Federal Savings Bank 4, 0.02% 0.76%
Movement Mortgage 5, 0.03% 0.38%
First-Citizens Bank & Trust Co 6, 0.08% 3.79%
Navy Federal Credit Union 7, 0.09% 1.14%
Wells Fargo Bank 8, 0.09% 5.68%
Quicken Loans 9, 0.16% 22.73%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Cornerstone Home Lending, Inc 1, -0.04% 29.92%
Truist Bank 2, -0.04% 5.51%
Quicken Loans 3, 0.01% 38.58%
Navy Federal Credit Union 4, 0.04% 0.79%
First-Citizens Bank & Trust Co 5, 0.04% 3.94%
Wells Fargo Bank 6, 0.05% 1.57%
Movement Mortgage 7, 0.05% 19.69%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Cornerstone Home Lending, Inc 1, -0.05% 38.78%
Truist Bank 2, -0.05% 7.14%
Navy Federal Credit Union 3, 0.03% 1.02%
First-Citizens Bank & Trust Co 4, 0.04% 5.10%
Wells Fargo Bank 5, 0.04% 2.04%
Movement Mortgage 6, 0.04% 25.51%
Quicken Loans 7, 0.04% 20.41%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First-Citizens Bank & Trust Co 1, 0.00% 100.00%
Insufficient data available.
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First-Citizens Bank & Trust Co 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.09% 10.00%
Wells Fargo Bank 2, -0.07% 31.61%
Truist Bank 3, -0.00% 8.06%
Usaa Federal Savings Bank 4, -0.00% 16.45%
First-Citizens Bank & Trust Co 5, 0.02% 0.97%
Cornerstone Home Lending, Inc 6, 0.02% 2.90%
Quicken Loans 7, 0.10% 11.94%
Movement Mortgage 8, 0.10% 18.06%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.08% 12.11%
Wells Fargo Bank 2, -0.06% 38.28%
Truist Bank 3, 0.00% 7.42%
Usaa Federal Savings Bank 4, 0.03% 14.84%
Cornerstone Home Lending, Inc 5, 0.03% 3.12%
First-Citizens Bank & Trust Co 6, 0.03% 0.78%
Movement Mortgage 7, 0.11% 21.09%
Quicken Loans 8, 0.13% 2.34%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Usaa Federal Savings Bank 1, -0.11% 24.07%
Truist Bank 2, -0.04% 11.11%
First-Citizens Bank & Trust Co 3, -0.02% 1.85%
Movement Mortgage 4, -0.02% 3.70%
Cornerstone Home Lending, Inc 5, -0.01% 1.85%
Quicken Loans 6, 0.06% 57.41%

* Data is compiled for the Goldsboro, NC commuting zone area, which comprises of counties of Duplin County, NC, Sampson County, NC, and Wayne County, NC. This includes cities/towns/communities of Goldsboro, NC as well as Pikeville, NC, Clinton, NC, Walnut Creek, NC, Mar-Mac, NC, Plain View, NC, Beulaville, NC, Newton Grove, NC, Keener, NC, Roseboro, NC, Bonnetsville, NC, Greenevers, NC, Wallace, NC, Seven Springs, NC, Mount Olive, NC, Elroy, NC, Kenansville, NC, Spiveys Corner, NC, Ingold, NC, Warsaw, NC, Fremont, NC, Brogden, NC, Rose Hill, NC, Mount Olive, NC, Faison, NC, Garland, NC, and Magnolia, 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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