# Best Mortgage Lenders in Durham

**As of:** 2026-05-22

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

> **Canonical URL:** https://saferate.com/durham/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:** 99
- **Total Loans:** 6,285
- **Median Rate Spread:** 0.1677157894736842%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | VELOCIO MORTGAGE L.L.C. | 93 | 96 | 85 | 75 | Independent Mortgage Company |
| 2 | STATE EMPLOYEES' | 86 | 73 | 74 | 555 | Credit Union |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 427 | Independent Mortgage Company |
| 4 | Truist Bank | 80 | 70 | 68 | 150 | Bank |
| 5 | First-Citizens Bank & Trust Company | 80 | 60 | 62 | 136 | Bank |
| 6 | Bank of America, National Association | 80 | 73 | 75 | 75 | Bank |
| 7 | Fifth Third Bank, National Association | 80 | 62 | 62 | 55 | Bank |
| 8 | JPMorgan Chase Bank, National Association | 78 | 49 | 70 | 246 | Bank |
| 9 | CORPORATE INVESTORS MORTGAGE GROUP, INC | 78 | 42 | 73 | 193 | Independent Mortgage Company |
| 10 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 75 | Credit Union |
| 11 | First Heritage Mortgage, LLC | 78 | 51 | 89 | 59 | Independent Mortgage Company |
| 12 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 511 | Independent Mortgage Company |
| 13 | MOVEMENT MORTGAGE, LLC | 74 | 32 | 84 | 257 | Independent Mortgage Company |
| 14 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 114 | Independent Mortgage Company |
| 15 | First National Bank of Pennsylvania | 73 | 60 | 71 | 113 | Bank |
| 16 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 102 | Bank |
| 17 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 96 | Independent Mortgage Company |
| 18 | American Security Mortgage Corp. | 73 | 59 | 77 | 94 | Independent Mortgage Company |
| 19 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 68 | Independent Mortgage Company |
| 20 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 62 | Independent Mortgage Company |
| 21 | COASTAL Federal Credit Union | 73 | 41 | 60 | 61 | Credit Union |
| 22 | General Mortgage Capital Corporation | 73 | 50 | 79 | 55 | Independent Mortgage Company |
| 23 | PNC Bank, National Association | 73 | 71 | 61 | 24 | Bank |
| 24 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 71 | 46 | 83 | 42 | Independent Mortgage Company |
| 25 | PROVIDENT FUNDING ASSOCIATES, L.P. | 71 | 83 | 55 | 40 | Independent Mortgage Company |
| 26 | Ameris Bank | 71 | 42 | 82 | 38 | Bank |
| 27 | NBKC BANK | 71 | 91 | 59 | 33 | Bank |
| 28 | GoPrime Mortgage, Inc. | 71 | 42 | 86 | 32 | Independent Mortgage Company |
| 29 | INTERCOASTAL MORTGAGE, LLC | 71 | 49 | 81 | 25 | Independent Mortgage Company |
| 30 | VANDERBILT MORTGAGE AND FINANCE, INC. | 71 | 51 | 82 | 24 | Independent Mortgage Company |
| 31 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 110 | Independent Mortgage Company |
| 32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 84 | Independent Mortgage Company |
| 33 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 51 | Independent Mortgage Company |
| 34 | The Fidelity Bank | 66 | 51 | 62 | 26 | Bank |
| 35 | The Central Trust Bank | 66 | 47 | 75 | 25 | Bank |
| 36 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 106 | Independent Mortgage Company |
| 37 | Prosperity Home Mortgage, LLC | 63 | 37 | 77 | 103 | Independent Mortgage Company |
| 38 | ZILLOW HOME LOANS, LLC | 63 | 31 | 63 | 77 | Independent Mortgage Company |
| 39 | Mortgage Research Center, LLC | 63 | 34 | 70 | 50 | Independent Mortgage Company |
| 40 | M/I FINANCIAL, LLC | 63 | 38 | 75 | 44 | Independent Mortgage Company |
| 41 | Towne Mortgage of the Carolinas, LLC | 63 | 33 | 68 | 44 | Independent Mortgage Company |
| 42 | CMG MORTGAGE, INC. | 62 | 33 | 81 | 46 | Independent Mortgage Company |
| 43 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 62 | 25 | 90 | 38 | Independent Mortgage Company |
| 44 | T2 FINANCIAL LLC | 62 | 26 | 86 | 32 | Independent Mortgage Company |
| 45 | Towne Bank | 62 | 37 | 80 | 31 | Bank |
| 46 | NFM, INC. | 62 | 23 | 87 | 30 | Independent Mortgage Company |
| 47 | Alcova Mortgage LLC | 62 | 32 | 90 | 26 | Independent Mortgage Company |
| 48 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 62 | 26 | 83 | 25 | Independent Mortgage Company |
| 49 | USAA Federal Savings Bank | 60 | 54 | 45 | 31 | Bank |
| 50 | MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 57 | 57 | 28 | 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 Durham.

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.