Top Mortgage Lenders in Asheville, NC

Which mortgage lender in the Asheville, 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 Asheville, 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 Asheville, NC area is First Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.19%. This means that First Bank provided a -0.19% lower interest rate for its customers than other lenders in Asheville, NC for a similar set of borrowers. First Bank has a market share of 2.6%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 12.3%. Quicken Loans is an average rate lender in this area, with a “Rate Difference” of +0.14% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Asheville, 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 Asheville, 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 Asheville, NC

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Bank 1, -0.19% 2.65%
HomeTrust Bank 2, -0.16% 4.10%
Bank of America 3, -0.15% 2.35%
Magnolia Bank Incorporated 4, -0.14% 2.37%
Suntrust Banks, Inc 5, -0.10% 2.15%
JPMorgan Chase Bank 6, -0.09% 1.46%
Champion Credit Union 7, -0.09% 2.37%
Citizens Bank 8, -0.08% 1.76%
Amerisave Mortgage Corporation 9, -0.07% 0.39%
Guaranty Home Mortgage Corporation 10, -0.07% 1.04%
LoanDepot 11, -0.06% 1.68%
Truist Bank 12, -0.06% 1.85%
Navy Federal Credit Union 13, -0.06% 1.01%
Wells Fargo Bank 14, -0.04% 4.32%
Us Bank 15, -0.04% 0.42%
Fifth Third Bank, National Association 16, -0.03% 0.49%
Flagstar Bank 17, -0.03% 0.62%
Movement Mortgage 18, -0.02% 9.81%
Home Point Financial Corporation 19, -0.02% 0.46%
TD Bank 20, -0.02% 0.75%
Pnc Bank 21, -0.01% 0.77%
Pennymac Loan Services 22, -0.01% 1.29%
Atlantic Bay Mortgage Group 23, -0.01% 4.81%
Guaranteed Rate Inc 24, -0.01% 2.51%
Caliber Home Loans Inc 25, -0.01% 0.43%
American Security Mortgage Corporation 26, -0.01% 1.37%
United Community Bank 27, -0.00% 2.54%
Newrez 28, -0.00% 0.42%
Fairway Independent Mort Corp 29, -0.00% 1.46%
Usaa Federal Savings Bank 30, 0.00% 1.96%
Cardinal Financial Company LP 31, 0.01% 0.67%
Carrington Mortgage Services 32, 0.03% 0.56%
Acopia Capital Group 33, 0.03% 1.62%
Freedom Mortgage Corporation 34, 0.03% 0.59%
Local Gov’t Federal C U 35, 0.03% 0.70%
Wolfe Financial Inc DBA Integrity Mortgage Group 36, 0.03% 1.00%
Union Home Mortgage Company 37, 0.03% 1.61%
GoPrime Mortgage Inc 38, 0.04% 2.86%
Bank of England 39, 0.04% 0.47%
First-Citizens Bank & Trust Co 40, 0.05% 2.61%
ALCOVA Mortgage 41, 0.05% 2.40%
State Employees’ Credit Union 42, 0.05% 4.10%
Highlands Residential Mortgage Ltd 43, 0.06% 1.81%
Bay Equity 44, 0.07% 1.27%
American Financial Resources Inc 45, 0.09% 0.47%
Primelending 46, 0.10% 1.20%
Supreme Lending/ Everett Financial Inc 47, 0.10% 0.54%
Telco Community Credit Union 48, 0.12% 0.82%
United Federal Credit Union 49, 0.14% 1.81%
Quicken Loans 50, 0.14% 12.30%
Nationstar Mortgage 51, 0.21% 1.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.20% 2.58%
First Bank 2, -0.15% 2.31%
HomeTrust Bank 3, -0.14% 3.44%
Wells Fargo Bank 4, -0.12% 5.25%
Suntrust Banks, Inc 5, -0.11% 2.60%
JPMorgan Chase Bank 6, -0.09% 1.30%
Magnolia Bank Incorporated 7, -0.09% 1.62%
Citizens Bank 8, -0.09% 2.65%
Guaranty Home Mortgage Corporation 9, -0.07% 1.71%
Fifth Third Bank, National Association 10, -0.06% 0.36%
Truist Bank 11, -0.06% 2.04%
Navy Federal Credit Union 12, -0.05% 1.35%
Pennymac Loan Services 13, -0.04% 1.03%
Us Bank 14, -0.03% 0.36%
Champion Credit Union 15, -0.03% 1.53%
Pnc Bank 16, -0.03% 0.61%
Flagstar Bank 17, -0.02% 0.81%
Caliber Home Loans Inc 18, -0.01% 0.36%
Freedom Mortgage Corporation 19, -0.01% 0.31%
Home Point Financial Corporation 20, -0.01% 0.36%
American Security Mortgage Corporation 21, 0.00% 1.39%
Fairway Independent Mort Corp 22, 0.01% 1.89%
Guaranteed Rate Inc 23, 0.01% 3.64%
Movement Mortgage 24, 0.01% 12.73%
Amerisave Mortgage Corporation 25, 0.01% 0.04%
TD Bank 26, 0.01% 0.79%
Usaa Federal Savings Bank 27, 0.02% 2.74%
United Community Bank 28, 0.02% 2.76%
LoanDepot 29, 0.02% 0.58%
Atlantic Bay Mortgage Group 30, 0.02% 6.69%
Carrington Mortgage Services 31, 0.03% 0.07%
Local Gov’t Federal C U 32, 0.03% 0.34%
ALCOVA Mortgage 33, 0.04% 3.08%
Wolfe Financial Inc DBA Integrity Mortgage Group 34, 0.04% 1.48%
Newrez 35, 0.05% 0.16%
Nationstar Mortgage 36, 0.05% 0.38%
First-Citizens Bank & Trust Co 37, 0.05% 1.89%
Cardinal Financial Company LP 38, 0.05% 0.56%
Bank of England 39, 0.06% 0.58%
Highlands Residential Mortgage Ltd 40, 0.06% 2.36%
GoPrime Mortgage Inc 41, 0.06% 3.97%
Acopia Capital Group 42, 0.07% 2.13%
Union Home Mortgage Company 43, 0.08% 2.16%
Telco Community Credit Union 44, 0.08% 0.47%
Bay Equity 45, 0.10% 1.71%
Quicken Loans 46, 0.10% 6.04%
American Financial Resources Inc 47, 0.11% 0.72%
Primelending 48, 0.11% 1.68%
Supreme Lending/ Everett Financial Inc 49, 0.12% 0.76%
State Employees’ Credit Union 50, 0.14% 1.66%
United Federal Credit Union 51, 0.18% 1.95%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Bank 1, -0.23% 3.07%
Magnolia Bank Incorporated 2, -0.18% 3.34%
HomeTrust Bank 3, -0.18% 4.96%
Atlantic Bay Mortgage Group 4, -0.13% 2.38%
Champion Credit Union 5, -0.13% 3.45%
Movement Mortgage 6, -0.10% 6.03%
JPMorgan Chase Bank 7, -0.10% 1.65%
Union Home Mortgage Company 8, -0.09% 0.90%
Amerisave Mortgage Corporation 9, -0.09% 0.84%
LoanDepot 10, -0.09% 3.10%
Suntrust Banks, Inc 11, -0.08% 1.57%
Guaranteed Rate Inc 12, -0.07% 1.04%
Acopia Capital Group 13, -0.07% 0.96%
Navy Federal Credit Union 14, -0.07% 0.58%
Bank of America 15, -0.06% 2.06%
Citizens Bank 16, -0.05% 0.61%
TD Bank 17, -0.05% 0.70%
Truist Bank 18, -0.05% 1.60%
United Community Bank 19, -0.04% 2.26%
GoPrime Mortgage Inc 20, -0.04% 1.42%
Us Bank 21, -0.04% 0.49%
Flagstar Bank 22, -0.04% 0.38%
Home Point Financial Corporation 23, -0.03% 0.58%
American Financial Resources Inc 24, -0.03% 0.15%
American Security Mortgage Corporation 25, -0.02% 1.33%
Cardinal Financial Company LP 26, -0.02% 0.81%
Newrez 27, -0.02% 0.75%
Usaa Federal Savings Bank 28, -0.02% 0.96%
Bay Equity 29, -0.02% 0.70%
Caliber Home Loans Inc 30, -0.01% 0.52%
Fifth Third Bank, National Association 31, -0.01% 0.67%
Fairway Independent Mort Corp 32, -0.01% 0.90%
Guaranty Home Mortgage Corporation 33, -0.01% 0.17%
Pnc Bank 34, -0.00% 0.99%
Bank of England 35, 0.01% 0.32%
Pennymac Loan Services 36, 0.01% 1.62%
Wolfe Financial Inc DBA Integrity Mortgage Group 37, 0.01% 0.38%
Carrington Mortgage Services 38, 0.02% 1.19%
State Employees’ Credit Union 39, 0.02% 7.25%
Local Gov’t Federal C U 40, 0.02% 1.16%
Freedom Mortgage Corporation 41, 0.04% 0.96%
First-Citizens Bank & Trust Co 42, 0.04% 3.54%
Primelending 43, 0.05% 0.58%
Highlands Residential Mortgage Ltd 44, 0.05% 1.10%
Supreme Lending/ Everett Financial Inc 45, 0.07% 0.26%
United Federal Credit Union 46, 0.07% 1.62%
ALCOVA Mortgage 47, 0.09% 1.54%
Telco Community Credit Union 48, 0.14% 1.28%
Wells Fargo Bank 49, 0.15% 3.10%
Quicken Loans 50, 0.16% 20.39%
Nationstar Mortgage 51, 0.25% 1.80%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Bank 1, -0.20% 3.00%
Bank of America 2, -0.16% 2.53%
HomeTrust Bank 3, -0.16% 4.92%
Magnolia Bank Incorporated 4, -0.15% 2.68%
Suntrust Banks, Inc 5, -0.12% 2.07%
JPMorgan Chase Bank 6, -0.11% 1.58%
Citizens Bank 7, -0.09% 1.73%
Amerisave Mortgage Corporation 8, -0.09% 0.38%
Champion Credit Union 9, -0.09% 2.77%
Guaranty Home Mortgage Corporation 10, -0.08% 0.96%
LoanDepot 11, -0.08% 1.35%
Truist Bank 12, -0.06% 1.96%
Us Bank 13, -0.04% 0.41%
Wells Fargo Bank 14, -0.04% 4.70%
Fifth Third Bank, National Association 15, -0.03% 0.52%
Flagstar Bank 16, -0.03% 0.67%
Home Point Financial Corporation 17, -0.02% 0.32%
Guaranteed Rate Inc 18, -0.02% 2.34%
Movement Mortgage 19, -0.02% 10.08%
TD Bank 20, -0.02% 0.83%
Pnc Bank 21, -0.02% 0.75%
Pennymac Loan Services 22, -0.01% 1.01%
Cardinal Financial Company LP 23, -0.01% 0.47%
Atlantic Bay Mortgage Group 24, -0.01% 4.89%
Caliber Home Loans Inc 25, -0.01% 0.35%
Fairway Independent Mort Corp 26, -0.01% 1.56%
American Security Mortgage Corporation 27, -0.00% 1.35%
United Community Bank 28, -0.00% 2.97%
Navy Federal Credit Union 29, -0.00% 0.55%
GoPrime Mortgage Inc 30, -0.00% 2.50%
Newrez 31, 0.00% 0.29%
American Financial Resources Inc 32, 0.00% 0.05%
Freedom Mortgage Corporation 33, 0.02% 0.29%
Usaa Federal Savings Bank 34, 0.02% 1.27%
Union Home Mortgage Company 35, 0.03% 1.65%
Carrington Mortgage Services 36, 0.03% 0.17%
Local Gov’t Federal C U 37, 0.03% 0.84%
Acopia Capital Group 38, 0.03% 1.65%
Wolfe Financial Inc DBA Integrity Mortgage Group 39, 0.04% 0.81%
ALCOVA Mortgage 40, 0.05% 2.56%
State Employees’ Credit Union 41, 0.05% 4.92%
First-Citizens Bank & Trust Co 42, 0.05% 2.82%
Highlands Residential Mortgage Ltd 43, 0.06% 1.70%
Bank of England 44, 0.06% 0.43%
Bay Equity 45, 0.07% 1.32%
Primelending 46, 0.11% 1.18%
Supreme Lending/ Everett Financial Inc 47, 0.12% 0.51%
Telco Community Credit Union 48, 0.13% 0.96%
United Federal Credit Union 49, 0.15% 1.98%
Quicken Loans 50, 0.19% 11.61%
Nationstar Mortgage 51, 0.31% 0.78%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.22% 2.79%
First Bank 2, -0.16% 2.70%
Suntrust Banks, Inc 3, -0.14% 2.54%
HomeTrust Bank 4, -0.13% 4.24%
Wells Fargo Bank 5, -0.13% 5.77%
JPMorgan Chase Bank 6, -0.10% 1.42%
Citizens Bank 7, -0.09% 2.59%
Magnolia Bank Incorporated 8, -0.09% 1.78%
Guaranty Home Mortgage Corporation 9, -0.08% 1.67%
Truist Bank 10, -0.06% 2.29%
Fifth Third Bank, National Association 11, -0.06% 0.42%
Pennymac Loan Services 12, -0.04% 1.17%
Us Bank 13, -0.04% 0.28%
Pnc Bank 14, -0.04% 0.53%
Champion Credit Union 15, -0.03% 1.76%
Flagstar Bank 16, -0.02% 0.95%
Caliber Home Loans Inc 17, -0.01% 0.42%
Home Point Financial Corporation 18, -0.01% 0.31%
Guaranteed Rate Inc 19, -0.00% 3.51%
Fairway Independent Mort Corp 20, 0.00% 2.04%
Amerisave Mortgage Corporation 21, 0.01% 0.06%
American Financial Resources Inc 22, 0.01% 0.08%
TD Bank 23, 0.01% 0.92%
American Security Mortgage Corporation 24, 0.02% 1.17%
Freedom Mortgage Corporation 25, 0.02% 0.20%
Movement Mortgage 26, 0.02% 13.16%
LoanDepot 27, 0.02% 0.47%
GoPrime Mortgage Inc 28, 0.02% 3.29%
United Community Bank 29, 0.03% 3.26%
Navy Federal Credit Union 30, 0.03% 0.72%
Local Gov’t Federal C U 31, 0.03% 0.42%
ALCOVA Mortgage 32, 0.04% 3.29%
Cardinal Financial Company LP 33, 0.04% 0.42%
Atlantic Bay Mortgage Group 34, 0.04% 6.72%
Usaa Federal Savings Bank 35, 0.04% 1.76%
Wolfe Financial Inc DBA Integrity Mortgage Group 36, 0.05% 1.23%
Nationstar Mortgage 37, 0.05% 0.17%
Newrez 38, 0.06% 0.14%
First-Citizens Bank & Trust Co 39, 0.06% 1.98%
Highlands Residential Mortgage Ltd 40, 0.06% 2.20%
Union Home Mortgage Company 41, 0.08% 2.20%
Acopia Capital Group 42, 0.08% 2.15%
Telco Community Credit Union 43, 0.09% 0.53%
Bank of England 44, 0.09% 0.53%
Bay Equity 45, 0.11% 1.76%
Quicken Loans 46, 0.13% 5.55%
Primelending 47, 0.14% 1.59%
Supreme Lending/ Everett Financial Inc 48, 0.14% 0.70%
State Employees’ Credit Union 49, 0.15% 2.04%
United Federal Credit Union 50, 0.20% 2.15%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Bank 1, -0.25% 3.37%
Magnolia Bank Incorporated 2, -0.19% 3.77%
HomeTrust Bank 3, -0.18% 5.74%
Atlantic Bay Mortgage Group 4, -0.13% 2.65%
Champion Credit Union 5, -0.13% 4.01%
JPMorgan Chase Bank 6, -0.11% 1.77%
Movement Mortgage 7, -0.11% 6.32%
Amerisave Mortgage Corporation 8, -0.11% 0.78%
LoanDepot 9, -0.11% 2.41%
Union Home Mortgage Company 10, -0.10% 0.99%
Guaranteed Rate Inc 11, -0.10% 0.92%
Suntrust Banks, Inc 12, -0.09% 1.50%
Navy Federal Credit Union 13, -0.07% 0.34%
Acopia Capital Group 14, -0.07% 1.05%
Bank of America 15, -0.07% 2.21%
TD Bank 16, -0.06% 0.71%
Cardinal Financial Company LP 17, -0.06% 0.54%
Citizens Bank 18, -0.06% 0.68%
Flagstar Bank 19, -0.05% 0.34%
GoPrime Mortgage Inc 20, -0.05% 1.53%
Truist Bank 21, -0.05% 1.56%
United Community Bank 22, -0.05% 2.62%
Home Point Financial Corporation 23, -0.04% 0.34%
Us Bank 24, -0.04% 0.58%
American Security Mortgage Corporation 25, -0.03% 1.56%
Newrez 26, -0.02% 0.48%
Usaa Federal Savings Bank 27, -0.02% 0.68%
Bay Equity 28, -0.02% 0.78%
Fairway Independent Mort Corp 29, -0.01% 0.99%
Fifth Third Bank, National Association 30, -0.01% 0.65%
Pnc Bank 31, -0.01% 1.02%
Caliber Home Loans Inc 32, 0.00% 0.27%
Guaranty Home Mortgage Corporation 33, 0.00% 0.10%
Bank of England 34, 0.01% 0.31%
Freedom Mortgage Corporation 35, 0.01% 0.41%
Wolfe Financial Inc DBA Integrity Mortgage Group 36, 0.01% 0.31%
State Employees’ Credit Union 37, 0.02% 8.43%
Carrington Mortgage Services 38, 0.02% 0.37%
Local Gov’t Federal C U 39, 0.02% 1.36%
Pennymac Loan Services 40, 0.04% 0.82%
Primelending 41, 0.04% 0.68%
First-Citizens Bank & Trust Co 42, 0.04% 3.84%
Highlands Residential Mortgage Ltd 43, 0.05% 1.09%
United Federal Credit Union 44, 0.07% 1.77%
Supreme Lending/ Everett Financial Inc 45, 0.07% 0.27%
ALCOVA Mortgage 46, 0.09% 1.67%
Telco Community Credit Union 47, 0.14% 1.50%
Wells Fargo Bank 48, 0.16% 3.40%
Quicken Loans 49, 0.20% 19.00%
Nationstar Mortgage 50, 0.33% 1.53%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Movement Mortgage 1, -0.08% 11.88%
Atlantic Bay Mortgage Group 2, -0.07% 4.51%
Suntrust Banks, Inc 3, -0.07% 0.75%
Magnolia Bank Incorporated 4, -0.05% 0.90%
Pnc Bank 5, -0.05% 0.45%
Quicken Loans 6, -0.05% 20.45%
First Bank 7, -0.05% 0.60%
Guaranty Home Mortgage Corporation 8, -0.05% 1.50%
Citizens Bank 9, -0.05% 1.35%
Bank of America 10, -0.04% 0.60%
Champion Credit Union 11, -0.04% 0.75%
American Security Mortgage Corporation 12, -0.03% 2.56%
Bank of England 13, -0.02% 0.90%
Newrez 14, -0.01% 1.20%
United Community Bank 15, -0.01% 0.45%
First-Citizens Bank & Trust Co 16, 0.00% 1.65%
Navy Federal Credit Union 17, 0.00% 0.15%
Wolfe Financial Inc DBA Integrity Mortgage Group 18, 0.00% 2.86%
Home Point Financial Corporation 19, 0.00% 0.90%
Amerisave Mortgage Corporation 20, 0.01% 0.30%
Freedom Mortgage Corporation 21, 0.01% 1.65%
Acopia Capital Group 22, 0.01% 1.35%
Fifth Third Bank, National Association 23, 0.01% 0.15%
Carrington Mortgage Services 24, 0.01% 2.86%
Caliber Home Loans Inc 25, 0.01% 0.75%
United Federal Credit Union 26, 0.01% 0.15%
Flagstar Bank 27, 0.02% 0.30%
Pennymac Loan Services 28, 0.03% 1.35%
Primelending 29, 0.03% 1.95%
Bay Equity 30, 0.03% 1.65%
Supreme Lending/ Everett Financial Inc 31, 0.04% 0.90%
LoanDepot 32, 0.04% 2.11%
Guaranteed Rate Inc 33, 0.04% 3.61%
Highlands Residential Mortgage Ltd 34, 0.04% 2.71%
ALCOVA Mortgage 35, 0.05% 2.26%
Nationstar Mortgage 36, 0.05% 3.46%
Cardinal Financial Company LP 37, 0.05% 3.01%
Fairway Independent Mort Corp 38, 0.05% 1.20%
Union Home Mortgage Company 39, 0.06% 1.95%
American Financial Resources Inc 40, 0.11% 4.51%
GoPrime Mortgage Inc 41, 0.15% 7.37%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Movement Mortgage 1, -0.10% 14.99%
Atlantic Bay Mortgage Group 2, -0.09% 6.26%
Suntrust Banks, Inc 3, -0.08% 1.12%
Magnolia Bank Incorporated 4, -0.07% 1.12%
Guaranty Home Mortgage Corporation 5, -0.07% 1.79%
Pnc Bank 6, -0.06% 0.67%
Champion Credit Union 7, -0.06% 0.89%
First Bank 8, -0.06% 0.89%
Citizens Bank 9, -0.06% 2.01%
Freedom Mortgage Corporation 10, -0.05% 0.89%
Bank of America 11, -0.05% 0.89%
American Security Mortgage Corporation 12, -0.04% 3.80%
Quicken Loans 13, -0.03% 9.62%
Bank of England 14, -0.03% 1.34%
Caliber Home Loans Inc 15, -0.02% 0.22%
United Community Bank 16, -0.02% 0.67%
Wolfe Financial Inc DBA Integrity Mortgage Group 17, -0.01% 3.58%
Navy Federal Credit Union 18, -0.01% 0.22%
Home Point Financial Corporation 19, -0.01% 0.67%
First-Citizens Bank & Trust Co 20, -0.00% 2.01%
Acopia Capital Group 21, 0.00% 1.79%
Flagstar Bank 22, 0.00% 0.22%
United Federal Credit Union 23, 0.00% 0.22%
Newrez 24, 0.01% 0.22%
Carrington Mortgage Services 25, 0.01% 0.45%
LoanDepot 26, 0.02% 1.57%
Primelending 27, 0.02% 2.91%
Bay Equity 28, 0.02% 2.24%
Supreme Lending/ Everett Financial Inc 29, 0.03% 1.34%
Guaranteed Rate Inc 30, 0.03% 4.47%
Highlands Residential Mortgage Ltd 31, 0.04% 3.58%
ALCOVA Mortgage 32, 0.04% 2.68%
Nationstar Mortgage 33, 0.04% 2.24%
Fairway Independent Mort Corp 34, 0.05% 1.79%
Union Home Mortgage Company 35, 0.07% 2.46%
Cardinal Financial Company LP 36, 0.07% 2.01%
American Financial Resources Inc 37, 0.13% 5.59%
GoPrime Mortgage Inc 38, 0.14% 10.51%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.05% 42.66%
Movement Mortgage 2, -0.02% 5.50%
First-Citizens Bank & Trust Co 3, -0.00% 0.92%
Guaranty Home Mortgage Corporation 4, -0.00% 0.92%
Newrez 5, -0.00% 3.21%
American Financial Resources Inc 6, 0.00% 2.29%
Atlantic Bay Mortgage Group 7, 0.00% 0.92%
Acopia Capital Group 8, 0.02% 0.46%
Magnolia Bank Incorporated 9, 0.02% 0.46%
Champion Credit Union 10, 0.02% 0.46%
Amerisave Mortgage Corporation 11, 0.02% 0.92%
Union Home Mortgage Company 12, 0.02% 0.92%
Home Point Financial Corporation 13, 0.03% 1.38%
Carrington Mortgage Services 14, 0.03% 7.80%
Bay Equity 15, 0.03% 0.46%
Fifth Third Bank, National Association 16, 0.03% 0.46%
Wolfe Financial Inc DBA Integrity Mortgage Group 17, 0.03% 1.38%
Caliber Home Loans Inc 18, 0.04% 1.83%
Flagstar Bank 19, 0.05% 0.46%
Pennymac Loan Services 20, 0.05% 4.13%
Cardinal Financial Company LP 21, 0.05% 5.05%
Freedom Mortgage Corporation 22, 0.05% 3.21%
Highlands Residential Mortgage Ltd 23, 0.05% 0.92%
Guaranteed Rate Inc 24, 0.06% 1.83%
ALCOVA Mortgage 25, 0.06% 1.38%
GoPrime Mortgage Inc 26, 0.07% 0.92%
LoanDepot 27, 0.07% 3.21%
Nationstar Mortgage 28, 0.07% 5.96%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.06% 13.16%
Truist Bank 2, -0.03% 7.37%
Fifth Third Bank, National Association 3, -0.02% 2.11%
Us Bank 4, -0.01% 3.16%
Navy Federal Credit Union 5, -0.01% 1.58%
Bank of America 6, -0.01% 8.42%
Suntrust Banks, Inc 7, -0.00% 13.16%
TD Bank 8, 0.01% 2.11%
Quicken Loans 9, 0.01% 5.26%
Primelending 10, 0.01% 0.53%
GoPrime Mortgage Inc 11, 0.01% 0.53%
First-Citizens Bank & Trust Co 12, 0.02% 4.21%
Flagstar Bank 13, 0.02% 0.53%
American Security Mortgage Corporation 14, 0.02% 0.53%
Atlantic Bay Mortgage Group 15, 0.02% 1.58%
Fairway Independent Mort Corp 16, 0.02% 0.53%
HomeTrust Bank 17, 0.02% 1.58%
Pennymac Loan Services 18, 0.02% 0.53%
Movement Mortgage 19, 0.02% 4.21%
Pnc Bank 20, 0.02% 3.68%
United Community Bank 21, 0.02% 0.53%
JPMorgan Chase Bank 22, 0.03% 6.32%
First Bank 23, 0.03% 2.11%
Guaranteed Rate Inc 24, 0.03% 4.74%
State Employees’ Credit Union 25, 0.03% 1.58%
Acopia Capital Group 26, 0.03% 1.58%
Wolfe Financial Inc DBA Integrity Mortgage Group 27, 0.04% 1.05%
Newrez 28, 0.05% 0.53%
United Federal Credit Union 29, 0.05% 6.84%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.08% 15.83%
Truist Bank 2, -0.01% 5.00%
Us Bank 3, -0.01% 5.00%
Navy Federal Credit Union 4, -0.01% 2.50%
Fifth Third Bank, National Association 5, -0.01% 0.83%
Bank of America 6, -0.00% 8.33%
Suntrust Banks, Inc 7, 0.00% 15.83%
JPMorgan Chase Bank 8, 0.01% 5.83%
TD Bank 9, 0.01% 1.67%
Quicken Loans 10, 0.01% 5.00%
First-Citizens Bank & Trust Co 11, 0.01% 1.67%
Primelending 12, 0.01% 0.83%
GoPrime Mortgage Inc 13, 0.02% 0.83%
American Security Mortgage Corporation 14, 0.02% 0.83%
Atlantic Bay Mortgage Group 15, 0.02% 1.67%
Fairway Independent Mort Corp 16, 0.02% 0.83%
Pennymac Loan Services 17, 0.02% 0.83%
HomeTrust Bank 18, 0.02% 0.83%
Movement Mortgage 19, 0.03% 4.17%
Pnc Bank 20, 0.03% 3.33%
State Employees’ Credit Union 21, 0.03% 0.83%
Guaranteed Rate Inc 22, 0.03% 5.83%
Acopia Capital Group 23, 0.04% 1.67%
Wolfe Financial Inc DBA Integrity Mortgage Group 24, 0.05% 1.67%
Newrez 25, 0.05% 0.83%
United Federal Credit Union 26, 0.05% 7.50%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Truist Bank 1, -0.05% 11.43%
Bank of America 2, -0.03% 8.57%
Fifth Third Bank, National Association 3, -0.02% 4.29%
Wells Fargo Bank 4, -0.02% 8.57%
Suntrust Banks, Inc 5, -0.02% 8.57%
TD Bank 6, 0.00% 2.86%
Quicken Loans 7, 0.00% 5.71%
Movement Mortgage 8, 0.01% 4.29%
Flagstar Bank 9, 0.01% 1.43%
First-Citizens Bank & Trust Co 10, 0.01% 8.57%
Pnc Bank 11, 0.01% 4.29%
HomeTrust Bank 12, 0.01% 2.86%
Atlantic Bay Mortgage Group 13, 0.02% 1.43%
Guaranteed Rate Inc 14, 0.02% 2.86%
United Community Bank 15, 0.02% 1.43%
First Bank 16, 0.02% 5.71%
Acopia Capital Group 17, 0.02% 1.43%
State Employees’ Credit Union 18, 0.03% 2.86%
United Federal Credit Union 19, 0.04% 5.71%
JPMorgan Chase Bank 20, 0.05% 7.14%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.12% 7.74%
LoanDepot 2, -0.06% 6.00%
Citizens Bank 3, -0.06% 3.29%
Caliber Home Loans Inc 4, -0.05% 1.16%
Guaranty Home Mortgage Corporation 5, -0.04% 1.74%
Pennymac Loan Services 6, -0.03% 5.03%
First Bank 7, -0.03% 0.97%
Bank of America 8, -0.03% 0.19%
Home Point Financial Corporation 9, -0.03% 1.74%
Bank of England 10, -0.02% 0.58%
Usaa Federal Savings Bank 11, -0.02% 13.93%
Suntrust Banks, Inc 12, -0.02% 0.97%
Amerisave Mortgage Corporation 13, -0.02% 0.77%
United Community Bank 14, -0.02% 0.58%
Newrez 15, -0.01% 0.97%
Cardinal Financial Company LP 16, -0.01% 0.39%
Pnc Bank 17, -0.01% 0.39%
Acopia Capital Group 18, -0.01% 1.55%
Atlantic Bay Mortgage Group 19, -0.01% 5.42%
Telco Community Credit Union 20, -0.01% 0.39%
Magnolia Bank Incorporated 21, -0.01% 1.16%
Primelending 22, -0.01% 0.77%
First-Citizens Bank & Trust Co 23, -0.00% 0.58%
Champion Credit Union 24, -0.00% 0.19%
Truist Bank 25, -0.00% 0.77%
Flagstar Bank 26, 0.00% 0.39%
Bay Equity 27, 0.01% 0.58%
Fairway Independent Mort Corp 28, 0.01% 0.77%
American Financial Resources Inc 29, 0.01% 0.77%
American Security Mortgage Corporation 30, 0.01% 0.39%
TD Bank 31, 0.01% 0.19%
Wells Fargo Bank 32, 0.01% 1.74%
Wolfe Financial Inc DBA Integrity Mortgage Group 33, 0.02% 0.97%
Guaranteed Rate Inc 34, 0.02% 2.32%
Supreme Lending/ Everett Financial Inc 35, 0.02% 0.77%
Movement Mortgage 36, 0.03% 5.80%
Nationstar Mortgage 37, 0.04% 0.97%
ALCOVA Mortgage 38, 0.04% 1.55%
Carrington Mortgage Services 39, 0.05% 2.71%
Union Home Mortgage Company 40, 0.05% 1.16%
Freedom Mortgage Corporation 41, 0.05% 3.29%
Highlands Residential Mortgage Ltd 42, 0.07% 2.71%
GoPrime Mortgage Inc 43, 0.08% 2.51%
Quicken Loans 44, 0.09% 13.15%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.13% 10.03%
Citizens Bank 2, -0.06% 5.35%
Guaranty Home Mortgage Corporation 3, -0.03% 2.68%
Freedom Mortgage Corporation 4, -0.03% 1.00%
Bank of America 5, -0.03% 0.33%
Suntrust Banks, Inc 6, -0.02% 0.33%
Usaa Federal Savings Bank 7, -0.02% 19.73%
Home Point Financial Corporation 8, -0.01% 0.67%
First Bank 9, -0.01% 0.67%
Bank of England 10, -0.01% 0.33%
Pennymac Loan Services 11, -0.01% 1.00%
United Community Bank 12, -0.01% 1.00%
Nationstar Mortgage 13, -0.01% 0.33%
Cardinal Financial Company LP 14, -0.01% 0.33%
Pnc Bank 15, -0.01% 0.33%
LoanDepot 16, -0.01% 0.67%
Acopia Capital Group 17, -0.00% 2.68%
Magnolia Bank Incorporated 18, -0.00% 1.00%
Atlantic Bay Mortgage Group 19, -0.00% 9.03%
Telco Community Credit Union 20, -0.00% 0.67%
Primelending 21, 0.00% 1.34%
Champion Credit Union 22, 0.00% 0.33%
First-Citizens Bank & Trust Co 23, 0.01% 0.67%
Truist Bank 24, 0.01% 1.00%
Flagstar Bank 25, 0.01% 0.33%
Bay Equity 26, 0.01% 1.00%
American Financial Resources Inc 27, 0.01% 1.34%
Fairway Independent Mort Corp 28, 0.01% 0.67%
American Security Mortgage Corporation 29, 0.01% 0.67%
Wells Fargo Bank 30, 0.02% 2.68%
Carrington Mortgage Services 31, 0.02% 0.33%
Wolfe Financial Inc DBA Integrity Mortgage Group 32, 0.02% 1.34%
Guaranteed Rate Inc 33, 0.03% 3.01%
Supreme Lending/ Everett Financial Inc 34, 0.03% 1.00%
ALCOVA Mortgage 35, 0.05% 2.34%
Union Home Mortgage Company 36, 0.05% 2.01%
Movement Mortgage 37, 0.05% 7.69%
Quicken Loans 38, 0.08% 7.02%
Highlands Residential Mortgage Ltd 39, 0.09% 3.34%
GoPrime Mortgage Inc 40, 0.10% 3.68%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
LoanDepot 1, -0.08% 13.30%
Navy Federal Credit Union 2, -0.07% 4.59%
Caliber Home Loans Inc 3, -0.06% 2.75%
Movement Mortgage 4, -0.06% 3.21%
First Bank 5, -0.05% 1.38%
Pennymac Loan Services 6, -0.05% 10.55%
Home Point Financial Corporation 7, -0.04% 3.21%
Bank of England 8, -0.03% 0.92%
Usaa Federal Savings Bank 9, -0.03% 5.96%
Suntrust Banks, Inc 10, -0.03% 1.83%
Amerisave Mortgage Corporation 11, -0.03% 1.83%
Newrez 12, -0.02% 2.29%
Cardinal Financial Company LP 13, -0.02% 0.46%
Pnc Bank 14, -0.02% 0.46%
First-Citizens Bank & Trust Co 15, -0.02% 0.46%
Truist Bank 16, -0.02% 0.46%
Magnolia Bank Incorporated 17, -0.01% 1.38%
Flagstar Bank 18, -0.01% 0.46%
Citizens Bank 19, -0.01% 0.46%
Guaranteed Rate Inc 20, -0.01% 1.38%
Guaranty Home Mortgage Corporation 21, -0.01% 0.46%
Atlantic Bay Mortgage Group 22, -0.01% 0.46%
Supreme Lending/ Everett Financial Inc 23, -0.01% 0.46%
Fairway Independent Mort Corp 24, -0.00% 0.92%
ALCOVA Mortgage 25, 0.00% 0.46%
Wolfe Financial Inc DBA Integrity Mortgage Group 26, 0.00% 0.46%
TD Bank 27, 0.00% 0.46%
GoPrime Mortgage Inc 28, 0.00% 0.92%
Wells Fargo Bank 29, 0.02% 0.46%
Carrington Mortgage Services 30, 0.04% 5.96%
Highlands Residential Mortgage Ltd 31, 0.04% 1.83%
Nationstar Mortgage 32, 0.05% 1.83%
Freedom Mortgage Corporation 33, 0.06% 6.42%
Quicken Loans 34, 0.09% 21.56%

* Data is compiled for the Asheville, NC commuting zone area, which comprises of counties of Buncombe County, NC, Haywood County, NC, Henderson County, NC, Madison County, NC, and Transylvania County, NC. This includes cities/towns/communities of Asheville, NC as well as Fletcher, NC, Hendersonville, NC, Waynesville, NC, Black Mountain, NC, Etowah, NC, Weaverville, NC, Fairview, NC, Brevard, NC, Dana, NC, Mills River, NC, Avery Creek, NC, Woodfin, NC, Royal Pines, NC, Canton, NC, Swannanoa, NC, Mars Hill, NC, Maggie Valley, NC, Valley Hill, NC, Clyde, NC, Fruitland, NC, Flat Rock, NC, Horse Shoe, NC, Mountain Home, NC, Edneyville, NC, Lake Junaluska, NC, East Flat Rock, NC, Laurel Park, NC, Saluda, NC, Rosman, NC, Balfour, NC, Marshall, NC, Biltmore Forest, NC, West Canton, NC, and Hot Springs, 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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