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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 VA 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 | Exceptional | Exceptional | Strong | $3,492 | -0.275% | 98 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,025 | -0.320% | 381 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $440 | -0.514% | 269 | |
4 | CORNERSTONE CAPITAL BANK, SSB | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,191 | +0.370% | 175 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,954 | -0.203% | 309 | |
6 | GoPrime Mortgage, Inc. | Exceptional | Strong | Exceptional | Exceptional | Strong | $548 | -0.340% | 51 | |
7 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Sound | $479 | -0.361% | 22 | |
8 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,304 | +0.111% | 277 | |
9 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,599 | -0.099% | 163 | |
10 | American Security Mortgage Corp. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,807 | -0.041% | 151 | |
11 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,311 | -0.554% | 93 | |
12 | First-Citizens Bank & Trust Company | Exceptional | Exceptional | Strong | Sound | Strong | $1,453 | -0.104% | 55 | |
13 | First Horizon Bank | Exceptional | Exceptional | Strong | Strong | Sound | $1,716 | +0.047% | 26 | |
14 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,611 | -0.200% | 99 | |
15 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $1,428 | -0.229% | 15 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,930 | +0.356% | 427 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,881 | +0.035% | 82 | |
18 | HOMESPIRE MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | Strong | $768 | -0.075% | 61 | |
19 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $2,461 | +0.178% | 42 | |
20 | VISION LENDING SERVICES, LLC | Strong | Sound | Strong | Exceptional | Strong | $4,174 | -0.350% | 34 | |
21 | PENTAGON FEDERAL CREDIT UNION | Strong | Strong | Exceptional | Sound | Sound | $2,024 | -0.079% | 21 | |
22 | AAFMAA Mortgage Services LLC | Strong | Strong | Strong | Strong | Sound | $415 | +0.081% | 20 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Sound | Exceptional | Exceptional | Sound | $4,029 | +0.088% | 15 | |
24 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,526 | +0.859% | 786 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,424 | +0.090% | 84 | |
26 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,404 | +0.224% | 76 | |
27 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,083 | -0.065% | 52 | |
28 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,521 | +0.091% | 50 | |
29 | LoanUnited.com, LLC | Strong | Sound | Exceptional | Sound | Strong | $3,337 | -0.376% | 44 | |
30 | Truist Bank | Strong | Strong | Strong | Sound | Sound | $1,300 | +0.066% | 43 | |
31 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,034 | +0.248% | 40 | |
32 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Sound | $1,596 | +0.130% | 36 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,531 | +0.310% | 207 | |
34 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,943 | +0.118% | 162 | |
35 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,101 | +0.171% | 62 | |
36 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,785 | +0.385% | 59 | |
37 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,709 | +0.518% | 51 | |
38 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Sound | $2,419 | +0.338% | 42 | |
39 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Sound | $1,378 | +0.161% | 25 | |
40 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,727 | +0.231% | 14 | |
41 | SOUTHERN TRUST MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,254 | +0.237% | 144 | |
42 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $2,552 | +0.210% | 36 | |
43 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Sound | $2,473 | +0.152% | 33 | |
44 | ENCOMPASS LENDING GROUP, LP | Strong | Acceptable | Strong | Strong | Strong | $2,701 | +0.230% | 31 | |
45 | Mid-Continent Funding, Inc. | Strong | Sound | Strong | Sound | Sound | $2,602 | -0.424% | 23 | |
46 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Sound | $1,651 | +0.179% | 22 | |
47 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $2,127 | +0.418% | 19 | |
48 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,094 | +0.343% | 37 | |
49 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,526 | +0.789% | 17 | |
50 | VILLAGE CAPITAL & INVESTMENT LLC | Sound | Acceptable | Strong | Sound | Sound | $2,724 | -0.289% | 16 |
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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