# Best FHA Mortgage Lenders in Fayetteville, NC

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

Compare the top FHA mortgage lenders in Fayetteville, NC. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | FREEDOM MORTGAGE CORPORATION | 89 | 65 | 62 | 309 | Independent Mortgage Company |
| 2 | JET HOMELOANS, LP | 89 | 88 | 84 | 98 | Independent Mortgage Company |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 381 | Independent Mortgage Company |
| 4 | American Security Mortgage Corp. | 85 | 66 | 72 | 151 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 427 | Independent Mortgage Company |
| 6 | CORNERSTONE CAPITAL BANK, SSB | 80 | 30 | 85 | 175 | Bank |
| 7 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 93 | Independent Mortgage Company |
| 8 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 82 | Independent Mortgage Company |
| 9 | First-Citizens Bank & Trust Company | 79 | 95 | 57 | 55 | Bank |
| 10 | MOVEMENT MORTGAGE, LLC | 75 | 30 | 79 | 277 | Independent Mortgage Company |
| 11 | UNION HOME MORTGAGE CORP. | 75 | 22 | 80 | 162 | Independent Mortgage Company |
| 12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 84 | Independent Mortgage Company |
| 13 | Alcova Mortgage LLC | 75 | 39 | 85 | 76 | Independent Mortgage Company |
| 14 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 75 | 28 | 84 | 50 | Independent Mortgage Company |
| 15 | GoodLeap, LLC | 73 | 62 | 58 | 36 | Independent Mortgage Company |
| 16 | Flagstar Bank, N.A. | 73 | 58 | 71 | 19 | Bank |
| 17 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 163 | Independent Mortgage Company |
| 18 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 62 | Independent Mortgage Company |
| 19 | HOMESPIRE MORTGAGE CORPORATION | 71 | 23 | 80 | 61 | Independent Mortgage Company |
| 20 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 71 | 30 | 75 | 51 | Independent Mortgage Company |
| 21 | Mortgage Research Center, LLC | 70 | 34 | 54 | 786 | Independent Mortgage Company |
| 22 | Truist Bank | 69 | 75 | 53 | 43 | Bank |
| 23 | Primis Mortgage Company | 69 | 40 | 74 | 25 | Independent Mortgage Company |
| 24 | NEWREZ LLC | 68 | 52 | 56 | 36 | Independent Mortgage Company |
| 25 | CMG MORTGAGE, INC. | 66 | 32 | 79 | 42 | Independent Mortgage Company |
| 26 | PLAZA HOME MORTGAGE, INC. | 66 | 30 | 65 | 40 | Independent Mortgage Company |
| 27 | Integrity Home Mortgage Corporation | 66 | 23 | 79 | 22 | Independent Mortgage Company |
| 28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 38 | 79 | 19 | Independent Mortgage Company |
| 29 | Equity Prime Mortgage LLC | 66 | 22 | 63 | 17 | Independent Mortgage Company |
| 30 | GoPrime Mortgage, Inc. | 63 | 32 | 55 | 51 | Independent Mortgage Company |
| 31 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 37 | Independent Mortgage Company |
| 32 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 207 | Independent Mortgage Company |
| 33 | SOUTHERN TRUST MORTGAGE, LLC | 60 | 15 | 76 | 144 | Independent Mortgage Company |
| 34 | NATIONSTAR MORTGAGE LLC | 60 | 13 | 63 | 59 | Independent Mortgage Company |
| 35 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 59 | 18 | 81 | 33 | Independent Mortgage Company |
| 36 | RELIANCE FIRST CAPITAL, LLC | 59 | N/A | 91 | 22 | Independent Mortgage Company |
| 37 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 57 | 72 | Independent Mortgage Company |
| 38 | ACOPIA, LLC | 53 | 17 | 74 | 15 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.