Safe Rate Rankings

Best All Lender Mortgage Lenders in Durham

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders99

Total Loans6,285

Median Rate Spread0.17%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	VELOCIO MORTGAGE L.L.C.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Strong	$482Fees	0.889%Below	75
2	STATE EMPLOYEES'Credit Union	Exceptional	Strong	Strong	Exceptional	$2,357Fees	0.864%Below	555
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$697Fees	0.613%Below	75
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,211Fees	0.065%Above	427
5	Truist BankBank	Strong	Strong	Strong	Strong	$973Fees	0.032%Above	150
6	First-Citizens Bank & Trust CompanyBank	Strong	Strong	Strong	Strong	$1,160Fees	0.012%Below	136
7	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$2,251Fees	0.208%Below	75
8	Fifth Third Bank, National AssociationBank	Strong	Strong	Strong	Strong	$58Credit	0.034%Above	55
9	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Strong	Exceptional	Sound	Sound	$306Fees	0.153%Below	40
10	NBKC BANKBank	Strong	Exceptional	Sound	Sound	$216Fees	0.203%Below	33
11	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Exceptional	$1,991Fees	0.051%Below	246
12	CORPORATE INVESTORS MORTGAGE GROUP, INCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,957Fees	0.106%Above	193
13	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$1,608Fees	0.104%Above	102
14	First Heritage Mortgage, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,262Fees	0.251%Above	59
15	PNC Bank, National AssociationBank	Strong	Strong	Strong	Sound	$445Fees	0.024%Below	24
16	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,971Fees	0.237%Above	511
17	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$1,602Fees	0.213%Above	257
18	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,400Fees	0.135%Below	114
19	First National Bank of PennsylvaniaBank	Strong	Sound	Strong	Strong	$1,283Fees	0.082%Below	113
20	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,708Fees	0.012%Above	96
21	American Security Mortgage Corp.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,172Fees	0.054%Above	94
22	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$1,969Fees	0.106%Above	68
23	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$294Credit	0.003%Below	62
24	COASTAL Federal Credit UnionCredit Union	Strong	Sound	Strong	Strong	$2,265Fees	0.144%Above	61
25	General Mortgage Capital CorporationIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,397Fees	0.105%Below	55
26	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Sound	$1,747Fees	0.206%Above	42
27	Ameris BankBank	Strong	Sound	Exceptional	Sound	$3,079Fees	0.202%Above	38
28	GoPrime Mortgage, Inc.Independent Mortgage Company	Strong	Sound	Exceptional	Sound	$2,596Fees	0.470%Above	32
29	INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	$1,558Fees	0.264%Above	25
30	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Sound	$3,729Fees	0.259%Above	24
31	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,976Fees	0.346%Above	110
32	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,562Fees	0.337%Above	84
33	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,970Fees	0.130%Above	51
34	The Fidelity BankBank	Strong	Sound	Strong	Sound	$1,552Fees	0.371%Above	26
35	The Central Trust BankBank	Strong	Sound	Strong	Sound	$1,841Fees	0.214%Above	25
36	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,109Fees	0.417%Above	106
37	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,364Fees	0.292%Above	103
38	ZILLOW HOME LOANS, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,928Fees	0.272%Above	77
39	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,288Fees	0.066%Above	46
40	M/I FINANCIAL, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,738Fees	0.141%Below	44
41	Towne Mortgage of the Carolinas, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,210Fees	0.197%Above	44
42	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,396Fees	0.243%Above	38
43	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,111Fees	0.355%Above	32
44	Towne BankBank	Strong	Acceptable	Exceptional	Sound	$2,470Fees	0.331%Above	31
45	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$1,651Fees	0.151%Below	31
46	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,766Fees	0.539%Above	30
47	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$1,591Fees	0.093%Above	28
48	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$1,715Fees	0.195%Above	26
49	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,639Fees	0.111%Above	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.