# Best Mortgage Lenders in Fayetteville, NC

**As of:** 2026-05-20

Compare the top mortgage lenders in Fayetteville, NC. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/fayetteville-nc/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 80
- **Total Loans:** 5,788
- **Median Rate Spread:** 0.11802564102564102%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 381 | Independent Mortgage Company |
| 2 | NAVY FEDERAL CREDIT UNION | 84 | 93 | 60 | 269 | Credit Union |
| 3 | STATE EMPLOYEES' | 80 | 73 | 74 | 110 | Credit Union |
| 4 | JET HOMELOANS, LP | 80 | 71 | 77 | 98 | Independent Mortgage Company |
| 5 | First-Citizens Bank & Trust Company | 80 | 60 | 62 | 55 | Bank |
| 6 | FREEDOM MORTGAGE CORPORATION | 78 | 55 | 67 | 309 | Independent Mortgage Company |
| 7 | American Security Mortgage Corp. | 78 | 59 | 77 | 151 | Independent Mortgage Company |
| 8 | GoPrime Mortgage, Inc. | 78 | 42 | 86 | 51 | Independent Mortgage Company |
| 9 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 427 | Independent Mortgage Company |
| 10 | MOVEMENT MORTGAGE, LLC | 74 | 32 | 84 | 277 | Independent Mortgage Company |
| 11 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 163 | Independent Mortgage Company |
| 12 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 93 | Independent Mortgage Company |
| 13 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 82 | Independent Mortgage Company |
| 14 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 55 | Bank |
| 15 | Truist Bank | 73 | 70 | 68 | 43 | Bank |
| 16 | NBKC BANK | 71 | 91 | 59 | 22 | Bank |
| 17 | Mortgage Research Center, LLC | 68 | 34 | 70 | 786 | Independent Mortgage Company |
| 18 | CORNERSTONE CAPITAL BANK, SSB | 68 | 23 | 79 | 175 | Bank |
| 19 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 162 | Independent Mortgage Company |
| 20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 84 | Independent Mortgage Company |
| 21 | Alcova Mortgage LLC | 68 | 32 | 90 | 76 | Independent Mortgage Company |
| 22 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 62 | Independent Mortgage Company |
| 23 | HOMESPIRE MORTGAGE CORPORATION | 68 | 25 | 84 | 61 | Independent Mortgage Company |
| 24 | NFM, INC. | 68 | 23 | 87 | 52 | Independent Mortgage Company |
| 25 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 68 | 25 | 90 | 50 | Independent Mortgage Company |
| 26 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 42 | Bank |
| 27 | First Horizon Bank | 66 | 49 | 68 | 26 | Bank |
| 28 | AAFMAA Mortgage Services LLC | 66 | 67 | 54 | 20 | Independent Mortgage Company |
| 29 | USAA Federal Savings Bank | 66 | 54 | 45 | 99 | Bank |
| 30 | LoanUnited.com, LLC | 66 | 41 | 43 | 44 | Independent Mortgage Company |
| 31 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 207 | Independent Mortgage Company |
| 32 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 59 | Independent Mortgage Company |
| 33 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 63 | 23 | 74 | 51 | Independent Mortgage Company |
| 34 | CMG MORTGAGE, INC. | 62 | 33 | 81 | 42 | Independent Mortgage Company |
| 35 | Integrity Home Mortgage Corporation | 62 | 22 | 83 | 22 | Independent Mortgage Company |
| 36 | GoodLeap, LLC | 60 | 52 | 56 | 36 | Independent Mortgage Company |
| 37 | Mid-Continent Funding, Inc. | 60 | 46 | 49 | 23 | Independent Mortgage Company |
| 38 | PENTAGON FEDERAL CREDIT UNION | 60 | 48 | 42 | 21 | Credit Union |
| 39 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 72 | Independent Mortgage Company |
| 40 | PLAZA HOME MORTGAGE, INC. | 58 | 36 | 69 | 40 | Independent Mortgage Company |
| 41 | VISION LENDING SERVICES, LLC | 58 | 36 | 54 | 34 | Independent Mortgage Company |
| 42 | ENCOMPASS LENDING GROUP, LP | 58 | 31 | 52 | 31 | Independent Mortgage Company |
| 43 | Primis Mortgage Company | 58 | 32 | 66 | 25 | Independent Mortgage Company |
| 44 | SOUTHERN TRUST MORTGAGE, LLC | 54 | 18 | 79 | 144 | Independent Mortgage Company |
| 45 | CARRINGTON MORTGAGE SERVICES, LLC | 52 | 24 | 41 | 37 | Independent Mortgage Company |
| 46 | NEWREZ LLC | 52 | 35 | 59 | 36 | Independent Mortgage Company |
| 47 | RELIANCE FIRST CAPITAL, LLC | 49 | N/A | 96 | 22 | Independent Mortgage Company |
| 48 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 46 | 19 | 80 | 33 | Independent Mortgage Company |
| 49 | The Federal Savings Bank | 42 | 16 | 49 | 41 | Bank |
| 50 | NEW DAY FINANCIAL, LLC | 40 | 5 | 26 | 55 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Fayetteville, NC.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.