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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 Conventional Mortgage Bank Lenders in Durham
Updated February 5, 2026
Market Overview
27
Total Lenders
6,285
Total Loans
0.17%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $973 | +0.032% | 150 | |
2 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $1,283 | -0.082% | 113 | |
3 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $2,251 | -0.208% | 75 | |
4 | First Bank | Exceptional | Exceptional | Strong | Strong | Sound | $850 | +0.438% | 19 | |
5 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,991 | -0.051% | 246 | |
6 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,608 | +0.104% | 102 | |
7 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | -$58 | +0.034% | 55 | |
8 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $216 | -0.203% | 33 | |
9 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $445 | -0.024% | 24 | |
10 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $538 | -0.501% | 18 | |
11 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $784 | -0.073% | 16 | |
12 | North State Bank | Exceptional | Exceptional | Sound | Strong | Sound | $1,484 | +0.175% | 16 | |
13 | Ameris Bank | Strong | Sound | Exceptional | Strong | Sound | $3,079 | +0.202% | 38 | |
14 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Sound | $1,841 | +0.214% | 25 | |
15 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Sound | $1,687 | +0.085% | 18 | |
16 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Strong | $1,160 | -0.012% | 136 | |
17 | SOFI BANK, NATIONAL ASSOCIATION | Strong | Strong | Strong | Acceptable | Sound | $801 | +0.061% | 14 | |
18 | The Fidelity Bank | Strong | Sound | Sound | Strong | Sound | $1,552 | +0.371% | 26 | |
19 | United Community Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,370 | +0.257% | 21 | |
20 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $1,649 | +0.200% | 19 | |
21 | Ally Bank | Strong | Strong | Strong | Mediocre | Sound | $1,398 | +0.131% | 16 | |
22 | Towne Bank | Strong | Acceptable | Strong | Strong | Sound | $2,470 | +0.331% | 31 | |
23 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,651 | -0.151% | 31 | |
24 | CORNERSTONE CAPITAL BANK, SSB | Sound | Mediocre | Exceptional | Strong | Sound | $3,525 | +0.521% | 14 | |
25 | Blue Ridge Bank, National Association | Sound | Acceptable | Sound | Sound | Sound | $3,006 | +0.564% | 23 | |
26 | The Federal Savings Bank | Sound | Mediocre | Strong | Sound | Sound | $4,816 | +1.059% | 22 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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