Safe Rate Rankings

Best All Lender Mortgage Lenders in Fayetteville

Updated May 20, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders80

Total Loans5,788

Median Rate Spread0.12%

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

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.