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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 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | STATE EMPLOYEES' | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,357 | -0.864% | 555 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $697 | -0.613% | 75 | |
3 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $973 | +0.032% | 150 | |
4 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $1,283 | -0.082% | 113 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $2,251 | -0.208% | 75 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $306 | -0.153% | 40 | |
7 | First Bank | Exceptional | Exceptional | Strong | Strong | Sound | $850 | +0.438% | 19 | |
8 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,991 | -0.051% | 246 | |
9 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,608 | +0.104% | 102 | |
10 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Strong | $2,172 | +0.054% | 94 | |
11 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,262 | +0.251% | 59 | |
12 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | -$58 | +0.034% | 55 | |
13 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $216 | -0.203% | 33 | |
14 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $445 | -0.024% | 24 | |
15 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $538 | -0.501% | 18 | |
16 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $784 | -0.073% | 16 | |
17 | North State Bank | Exceptional | Exceptional | Sound | Strong | Sound | $1,484 | +0.175% | 16 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,971 | +0.237% | 511 | |
19 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,211 | +0.065% | 427 | |
20 | CORPORATE INVESTORS MORTGAGE GROUP, INC | Strong | Sound | Strong | Strong | Exceptional | $2,957 | +0.106% | 193 | |
21 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,400 | -0.135% | 114 | |
22 | VELOCIO MORTGAGE L.L.C. | Strong | Strong | Strong | Sound | Strong | $482 | -0.889% | 75 | |
23 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,602 | +0.213% | 257 | |
24 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,708 | +0.012% | 96 | |
25 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | Strong | $1,397 | -0.105% | 55 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $1,747 | +0.206% | 42 | |
27 | Ameris Bank | Strong | Sound | Exceptional | Strong | Sound | $3,079 | +0.202% | 38 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,591 | +0.093% | 28 | |
29 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Sound | $1,841 | +0.214% | 25 | |
30 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,729 | +0.259% | 24 | |
31 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Sound | $1,687 | +0.085% | 18 | |
32 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $2,024 | +0.106% | 14 | |
33 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Strong | $1,160 | -0.012% | 136 | |
34 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,976 | +0.346% | 110 | |
35 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,109 | +0.417% | 106 | |
36 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,364 | +0.292% | 103 | |
37 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,562 | +0.337% | 84 | |
38 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,969 | +0.106% | 68 | |
39 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | -$294 | -0.003% | 62 | |
40 | COASTAL Federal Credit Union | Strong | Sound | Strong | Sound | Strong | $2,265 | +0.144% | 61 | |
41 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,970 | +0.130% | 51 | |
42 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,396 | +0.243% | 38 | |
43 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,715 | +0.195% | 26 | |
44 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Strong | Sound | $1,558 | +0.264% | 25 | |
45 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Sound | $1,271 | +0.076% | 18 | |
46 | Heritage Mortgage, LLC | Strong | Sound | Strong | Strong | Sound | $3,635 | +0.319% | 15 | |
47 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,288 | +0.066% | 46 | |
48 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,738 | -0.141% | 44 | |
49 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,447 | +0.254% | 34 | |
50 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,111 | +0.355% | 32 |
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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