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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 Company Lenders in Durham
Updated February 5, 2026
Market Overview
50
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 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $306 | -0.153% | 40 | |
2 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Strong | $2,172 | +0.054% | 94 | |
3 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,262 | +0.251% | 59 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,971 | +0.237% | 511 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,211 | +0.065% | 427 | |
6 | CORPORATE INVESTORS MORTGAGE GROUP, INC | Strong | Sound | Strong | Strong | Exceptional | $2,957 | +0.106% | 193 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,400 | -0.135% | 114 | |
8 | VELOCIO MORTGAGE L.L.C. | Strong | Strong | Strong | Sound | Strong | $482 | -0.889% | 75 | |
9 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,602 | +0.213% | 257 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,708 | +0.012% | 96 | |
11 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | Strong | $1,397 | -0.105% | 55 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $1,747 | +0.206% | 42 | |
13 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,591 | +0.093% | 28 | |
14 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,729 | +0.259% | 24 | |
15 | BETTER MORTGAGE CORPORATION | Strong | Exceptional | Strong | Mediocre | Sound | -$239 | -0.013% | 18 | |
16 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $2,024 | +0.106% | 14 | |
17 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,976 | +0.346% | 110 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,109 | +0.417% | 106 | |
19 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,364 | +0.292% | 103 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,562 | +0.337% | 84 | |
21 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,969 | +0.106% | 68 | |
22 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | -$294 | -0.003% | 62 | |
23 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,970 | +0.130% | 51 | |
24 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,396 | +0.243% | 38 | |
25 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,715 | +0.195% | 26 | |
26 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Strong | Sound | $1,558 | +0.264% | 25 | |
27 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Sound | $1,271 | +0.076% | 18 | |
28 | Heritage Mortgage, LLC | Strong | Sound | Strong | Strong | Sound | $3,635 | +0.319% | 15 | |
29 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,051 | +0.306% | 47 | |
30 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,288 | +0.066% | 46 | |
31 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,738 | -0.141% | 44 | |
32 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,447 | +0.254% | 34 | |
33 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,111 | +0.355% | 32 | |
34 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,612 | +0.257% | 28 | |
35 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,639 | +0.111% | 25 | |
36 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,566 | +0.410% | 23 | |
37 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,794 | +0.618% | 17 | |
38 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $4,174 | -0.216% | 17 | |
39 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,882 | +0.156% | 15 | |
40 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,928 | +0.272% | 77 | |
41 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,074 | +0.117% | 46 | |
42 | Towne Mortgage of the Carolinas, LLC | Strong | Acceptable | Sound | Strong | Strong | $3,210 | +0.197% | 44 | |
43 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,616 | +0.437% | 41 | |
44 | GoPrime Mortgage, Inc. | Strong | Acceptable | Strong | Strong | Sound | $2,596 | +0.470% | 32 | |
45 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,766 | +0.539% | 30 | |
46 | Primis Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $3,782 | +0.593% | 18 | |
47 | AgFirst Farm Credit Bank | Sound | Mediocre | Strong | Strong | Sound | $3,832 | +0.770% | 28 | |
48 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $4,633 | +0.477% | 21 | |
49 | SCHUMACHER MORTGAGE LLC | Sound | Mediocre | Sound | Sound | Sound | $1,284 | +0.392% | 19 | |
50 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Strong | Acceptable | Sound | $4,087 | +0.677% | 15 |
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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