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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 Mortgage Company Lenders in Durham
Updated February 5, 2026
Market Overview
41
Total Lenders
4,172
Total Loans
0.21%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Strong | $482 | -0.889% | 75 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,211 | +0.065% | 427 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $306 | -0.153% | 40 | |
4 | CORPORATE INVESTORS MORTGAGE GROUP, INC | Strong | Sound | Strong | Exceptional | $2,957 | +0.106% | 193 | |
5 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Strong | $1,262 | +0.251% | 59 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,971 | +0.237% | 511 | |
7 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $1,602 | +0.213% | 257 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $1,400 | -0.135% | 114 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,708 | +0.012% | 96 | |
10 | American Security Mortgage Corp. | Strong | Sound | Strong | Strong | $2,172 | +0.054% | 94 | |
11 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,969 | +0.106% | 68 | |
12 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | -$294 | -0.003% | 62 | |
13 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | $1,397 | -0.105% | 55 | |
14 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $1,747 | +0.206% | 42 | |
15 | GoPrime Mortgage, Inc. | Strong | Sound | Exceptional | Sound | $2,596 | +0.470% | 32 | |
16 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Exceptional | Sound | $1,558 | +0.264% | 25 | |
17 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Sound | $3,729 | +0.259% | 24 | |
18 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,976 | +0.346% | 110 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,562 | +0.337% | 84 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,970 | +0.130% | 51 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,109 | +0.417% | 106 | |
22 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,364 | +0.292% | 103 | |
23 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $1,928 | +0.272% | 77 | |
24 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,288 | +0.066% | 46 | |
25 | Towne Mortgage of the Carolinas, LLC | Strong | Acceptable | Strong | Strong | $3,210 | +0.197% | 44 | |
26 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | $3,738 | -0.141% | 44 | |
27 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Sound | $3,396 | +0.243% | 38 | |
28 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Sound | $2,111 | +0.355% | 32 | |
29 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $3,766 | +0.539% | 30 | |
30 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,591 | +0.093% | 28 | |
31 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Sound | $1,715 | +0.195% | 26 | |
32 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $2,639 | +0.111% | 25 | |
33 | FIRST HOME MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $3,051 | +0.306% | 47 | |
34 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $2,447 | +0.254% | 34 | |
35 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $1,612 | +0.257% | 28 | |
36 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Sound | Acceptable | Strong | Sound | $3,566 | +0.410% | 23 | |
37 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,074 | +0.117% | 46 | |
38 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $2,616 | +0.437% | 41 | |
39 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $4,633 | +0.477% | 21 | |
40 | AgFirst Farm Credit Bank | Sound | Mediocre | Sound | Sound | $3,832 | +0.770% | 28 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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