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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 FHA 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 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $482 | -0.889% | 75 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,211 | +0.065% | 427 | |
3 | First-Citizens Bank & Trust Company | Exceptional | Exceptional | Strong | Sound | Strong | $1,160 | -0.012% | 136 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | -$294 | -0.003% | 62 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,708 | +0.012% | 96 | |
6 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Strong | $2,172 | +0.054% | 94 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,971 | +0.237% | 511 | |
8 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $973 | +0.032% | 150 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,400 | -0.135% | 114 | |
10 | M/I FINANCIAL, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,738 | -0.141% | 44 | |
11 | INTERCOASTAL MORTGAGE, LLC | Strong | Strong | Strong | Strong | Sound | $1,558 | +0.264% | 25 | |
12 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $3,729 | +0.259% | 24 | |
13 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $4,174 | -0.216% | 17 | |
14 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,602 | +0.213% | 257 | |
15 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,976 | +0.346% | 110 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,562 | +0.337% | 84 | |
17 | Towne Mortgage of the Carolinas, LLC | Strong | Sound | Strong | Strong | Strong | $3,210 | +0.197% | 44 | |
18 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,928 | +0.272% | 77 | |
19 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,969 | +0.106% | 68 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,970 | +0.130% | 51 | |
21 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $2,074 | +0.117% | 46 | |
22 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,396 | +0.243% | 38 | |
23 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,766 | +0.539% | 30 | |
24 | Heritage Mortgage, LLC | Strong | Sound | Strong | Strong | Sound | $3,635 | +0.319% | 15 | |
25 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,525 | +0.521% | 14 | |
26 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,288 | +0.066% | 46 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,109 | +0.417% | 106 | |
28 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,633 | +0.477% | 21 | |
29 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $4,087 | +0.677% | 15 | |
30 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,447 | +0.254% | 34 | |
31 | GoPrime Mortgage, Inc. | Sound | Acceptable | Strong | Sound | Sound | $2,596 | +0.470% | 32 | |
32 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $2,616 | +0.437% | 41 |
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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