# Best Mortgage Lenders in Burlington, NC

**As of:** 2026-05-20

Compare the top mortgage lenders in Burlington, NC. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/burlington-nc/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 43
- **Total Loans:** 2,086
- **Median Rate Spread:** 0.1762142857142857%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | STATE EMPLOYEES' | 86 | 73 | 74 | 258 | Credit Union |
| 2 | LOANDEPOT.COM, LLC | 78 | 48 | 76 | 122 | Independent Mortgage Company |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 78 | 41 | 93 | 94 | Independent Mortgage Company |
| 4 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 37 | Credit Union |
| 5 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 171 | Independent Mortgage Company |
| 6 | MOVEMENT MORTGAGE, LLC | 74 | 32 | 84 | 128 | Independent Mortgage Company |
| 7 | UNION HOME MORTGAGE CORP. | 74 | 22 | 83 | 115 | Independent Mortgage Company |
| 8 | Truliant Federal Credit Union | 73 | 64 | 58 | 52 | Credit Union |
| 9 | First National Bank of Pennsylvania | 73 | 60 | 71 | 48 | Bank |
| 10 | Truist Bank | 73 | 70 | 68 | 31 | Bank |
| 11 | The Fidelity Bank | 73 | 51 | 62 | 26 | Bank |
| 12 | Pinnacle Bank | 73 | 60 | 72 | 24 | Bank |
| 13 | VANDERBILT MORTGAGE AND FINANCE, INC. | 71 | 51 | 82 | 31 | Independent Mortgage Company |
| 14 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 68 | 25 | 90 | 52 | Independent Mortgage Company |
| 15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 51 | Independent Mortgage Company |
| 16 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 30 | Independent Mortgage Company |
| 17 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 24 | Bank |
| 18 | JPMorgan Chase Bank, National Association | 66 | 49 | 70 | 22 | Bank |
| 19 | GUARANTEED RATE, INC. | 66 | 41 | 69 | 21 | Independent Mortgage Company |
| 20 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 61 | Independent Mortgage Company |
| 21 | Mortgage Research Center, LLC | 63 | 34 | 70 | 39 | Independent Mortgage Company |
| 22 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 50 | 19 | 80 | 56 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Burlington, NC.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.