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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 FHA 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | JET HOMELOANS, LP | Exceptional | Exceptional | Strong | Exceptional | Strong | $3,492 | -0.275% | 98 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,954 | -0.203% | 309 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,025 | -0.320% | 381 | |
4 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Exceptional | $1,807 | -0.041% | 151 | |
5 | First-Citizens Bank & Trust Company | Exceptional | Exceptional | Strong | Sound | Strong | $1,453 | -0.104% | 55 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $3,311 | -0.554% | 93 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,930 | +0.356% | 427 | |
8 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,191 | +0.370% | 175 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,881 | +0.035% | 82 | |
10 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $2,552 | +0.210% | 36 | |
11 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,304 | +0.111% | 277 | |
12 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,943 | +0.118% | 162 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,424 | +0.090% | 84 | |
14 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,404 | +0.224% | 76 | |
15 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,521 | +0.091% | 50 | |
16 | Truist Bank | Strong | Strong | Strong | Sound | Sound | $1,300 | +0.066% | 43 | |
17 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $1,617 | +0.199% | 19 | |
18 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,526 | +0.859% | 786 | |
19 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,599 | -0.099% | 163 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,101 | +0.171% | 62 | |
21 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $768 | -0.075% | 61 | |
22 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,709 | +0.518% | 51 | |
23 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $1,596 | +0.130% | 36 | |
24 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Sound | $1,378 | +0.161% | 25 | |
25 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,461 | +0.178% | 42 | |
26 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,034 | +0.248% | 40 | |
27 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Sound | $1,651 | +0.179% | 22 | |
28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $2,127 | +0.418% | 19 | |
29 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,526 | +0.789% | 17 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,531 | +0.310% | 207 | |
31 | SOUTHERN TRUST MORTGAGE, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $4,254 | +0.237% | 144 | |
32 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,785 | +0.385% | 59 | |
33 | GoPrime Mortgage, Inc. | Strong | Acceptable | Strong | Sound | Strong | $548 | -0.340% | 51 | |
34 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,094 | +0.343% | 37 | |
35 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Mediocre | Exceptional | Exceptional | Sound | $2,473 | +0.152% | 33 | |
36 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $1,940 | +0.475% | 72 | |
37 | ACOPIA, LLC | Sound | Mediocre | Strong | Strong | Sound | $3,201 | +0.897% | 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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