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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 Lenders in Fayetteville
Updated February 5, 2026
Market Overview
80
Total Lenders
5,788
Total Loans
0.12%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $440 | -0.514% | 269 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,025 | -0.320% | 381 | |
3 | STATE EMPLOYEES' | Strong | Strong | Strong | Strong | $1,791 | -0.584% | 110 | |
4 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $3,492 | -0.275% | 98 | |
5 | First-Citizens Bank & Trust Company | Strong | Strong | Strong | Strong | $1,453 | -0.104% | 55 | |
6 | NBKC BANK | Strong | Exceptional | Sound | Sound | $479 | -0.361% | 22 | |
7 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $1,954 | -0.203% | 309 | |
8 | American Security Mortgage Corp. | Strong | Sound | Strong | Exceptional | $1,807 | -0.041% | 151 | |
9 | GoPrime Mortgage, Inc. | Strong | Sound | Exceptional | Strong | $548 | -0.340% | 51 | |
10 | Truist Bank | Strong | Strong | Strong | Sound | $1,300 | +0.066% | 43 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,930 | +0.356% | 427 | |
12 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,304 | +0.111% | 277 | |
13 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,599 | -0.099% | 163 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $3,311 | -0.554% | 93 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,881 | +0.035% | 82 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,775 | +0.021% | 55 | |
17 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,419 | +0.338% | 42 | |
18 | AAFMAA Mortgage Services LLC | Strong | Strong | Sound | Sound | $415 | +0.081% | 20 | |
19 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,526 | +0.859% | 786 | |
20 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Strong | Exceptional | $2,191 | +0.370% | 175 | |
21 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,943 | +0.118% | 162 | |
22 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,611 | -0.200% | 99 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $1,424 | +0.090% | 84 | |
24 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Strong | $2,404 | +0.224% | 76 | |
25 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,101 | +0.171% | 62 | |
26 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $768 | -0.075% | 61 | |
27 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $2,083 | -0.065% | 52 | |
28 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | $2,521 | +0.091% | 50 | |
29 | LoanUnited.com, LLC | Strong | Sound | Sound | Strong | $3,337 | -0.376% | 44 | |
30 | First Horizon Bank | Strong | Sound | Strong | Sound | $1,716 | +0.047% | 26 | |
31 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,531 | +0.310% | 207 | |
32 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $2,785 | +0.385% | 59 | |
33 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Strong | Strong | $1,709 | +0.518% | 51 | |
34 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,461 | +0.178% | 42 | |
35 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $2,552 | +0.210% | 36 | |
36 | Mid-Continent Funding, Inc. | Strong | Sound | Sound | Sound | $2,602 | -0.424% | 23 | |
37 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Sound | $1,651 | +0.179% | 22 | |
38 | PENTAGON FEDERAL CREDIT UNION | Strong | Sound | Sound | Sound | $2,024 | -0.079% | 21 | |
39 | SOUTHERN TRUST MORTGAGE, LLC | Sound | Mediocre | Strong | Exceptional | $4,254 | +0.237% | 144 | |
40 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $1,940 | +0.475% | 72 | |
41 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $3,034 | +0.248% | 40 | |
42 | VISION LENDING SERVICES, LLC | Sound | Acceptable | Sound | Strong | $4,174 | -0.350% | 34 | |
43 | ENCOMPASS LENDING GROUP, LP | Sound | Acceptable | Sound | Strong | $2,701 | +0.230% | 31 | |
44 | Primis Mortgage Company | Sound | Acceptable | Strong | Sound | $1,378 | +0.161% | 25 | |
45 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $4,094 | +0.343% | 37 | |
46 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $1,596 | +0.130% | 36 | |
47 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Sound | Mediocre | Strong | Sound | $2,473 | +0.152% | 33 | |
48 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Strong | $5,368 | +0.941% | 55 | |
49 | The Federal Savings Bank | Sound | Mediocre | Sound | Sound | $3,798 | +0.787% | 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 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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