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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Durham
Updated February 5, 2026
Market Overview
99
Total Lenders
6,285
Total Loans
0.17%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Strong | $482 | -0.889% | 75 | |
2 | STATE EMPLOYEES' | Exceptional | Strong | Strong | Exceptional | $2,357 | -0.864% | 555 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $697 | -0.613% | 75 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,211 | +0.065% | 427 | |
5 | Truist Bank | Strong | Strong | Strong | Strong | $973 | +0.032% | 150 | |
6 | First-Citizens Bank & Trust Company | Strong | Strong | Strong | Strong | $1,160 | -0.012% | 136 | |
7 | Bank of America, National Association | Strong | Strong | Strong | Strong | $2,251 | -0.208% | 75 | |
8 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | -$58 | +0.034% | 55 | |
9 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $306 | -0.153% | 40 | |
10 | NBKC BANK | Strong | Exceptional | Sound | Sound | $216 | -0.203% | 33 | |
11 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,991 | -0.051% | 246 | |
12 | CORPORATE INVESTORS MORTGAGE GROUP, INC | Strong | Sound | Strong | Exceptional | $2,957 | +0.106% | 193 | |
13 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,608 | +0.104% | 102 | |
14 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Strong | $1,262 | +0.251% | 59 | |
15 | PNC Bank, National Association | Strong | Strong | Strong | Sound | $445 | -0.024% | 24 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,971 | +0.237% | 511 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $1,602 | +0.213% | 257 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $1,400 | -0.135% | 114 | |
19 | First National Bank of Pennsylvania | Strong | Sound | Strong | Strong | $1,283 | -0.082% | 113 | |
20 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,708 | +0.012% | 96 | |
21 | American Security Mortgage Corp. | Strong | Sound | Strong | Strong | $2,172 | +0.054% | 94 | |
22 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,969 | +0.106% | 68 | |
23 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | -$294 | -0.003% | 62 | |
24 | COASTAL Federal Credit Union | Strong | Sound | Strong | Strong | $2,265 | +0.144% | 61 | |
25 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | $1,397 | -0.105% | 55 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $1,747 | +0.206% | 42 | |
27 | Ameris Bank | Strong | Sound | Exceptional | Sound | $3,079 | +0.202% | 38 | |
28 | GoPrime Mortgage, Inc. | Strong | Sound | Exceptional | Sound | $2,596 | +0.470% | 32 | |
29 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Exceptional | Sound | $1,558 | +0.264% | 25 | |
30 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Sound | $3,729 | +0.259% | 24 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,976 | +0.346% | 110 | |
32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,562 | +0.337% | 84 | |
33 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,970 | +0.130% | 51 | |
34 | The Fidelity Bank | Strong | Sound | Strong | Sound | $1,552 | +0.371% | 26 | |
35 | The Central Trust Bank | Strong | Sound | Strong | Sound | $1,841 | +0.214% | 25 | |
36 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,109 | +0.417% | 106 | |
37 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,364 | +0.292% | 103 | |
38 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $1,928 | +0.272% | 77 | |
39 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,288 | +0.066% | 46 | |
40 | Towne Mortgage of the Carolinas, LLC | Strong | Acceptable | Strong | Strong | $3,210 | +0.197% | 44 | |
41 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | $3,738 | -0.141% | 44 | |
42 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Sound | $3,396 | +0.243% | 38 | |
43 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Sound | $2,111 | +0.355% | 32 | |
44 | Towne Bank | Strong | Acceptable | Exceptional | Sound | $2,470 | +0.331% | 31 | |
45 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,651 | -0.151% | 31 | |
46 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $3,766 | +0.539% | 30 | |
47 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,591 | +0.093% | 28 | |
48 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Sound | $1,715 | +0.195% | 26 | |
49 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $2,639 | +0.111% | 25 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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