# Best VA Mortgage Lenders in Fayetteville, NC

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

Compare the top VA 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/va-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 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 381 | Independent Mortgage Company |
| 2 | CORNERSTONE CAPITAL BANK, SSB | 95 | 61 | 85 | 175 | Bank |
| 3 | JET HOMELOANS, LP | 95 | 82 | 87 | 98 | Independent Mortgage Company |
| 4 | FREEDOM MORTGAGE CORPORATION | 89 | 61 | 63 | 309 | Independent Mortgage Company |
| 5 | GoPrime Mortgage, Inc. | 89 | 68 | 91 | 51 | Independent Mortgage Company |
| 6 | MOVEMENT MORTGAGE, LLC | 88 | 45 | 81 | 277 | Independent Mortgage Company |
| 7 | NAVY FEDERAL CREDIT UNION | 88 | 91 | 59 | 269 | Credit Union |
| 8 | American Security Mortgage Corp. | 88 | 58 | 87 | 151 | Independent Mortgage Company |
| 9 | GUARANTEED RATE, INC. | 85 | 79 | 70 | 163 | Independent Mortgage Company |
| 10 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 93 | Independent Mortgage Company |
| 11 | NBKC BANK | 83 | 91 | 75 | 22 | Bank |
| 12 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 427 | Independent Mortgage Company |
| 13 | USAA Federal Savings Bank | 79 | 62 | 58 | 99 | Bank |
| 14 | LOANDEPOT.COM, LLC | 79 | 53 | 69 | 82 | Independent Mortgage Company |
| 15 | HOMESPIRE MORTGAGE CORPORATION | 79 | 50 | 85 | 61 | Independent Mortgage Company |
| 16 | First-Citizens Bank & Trust Company | 79 | 89 | 57 | 55 | Bank |
| 17 | VISION LENDING SERVICES, LLC | 79 | 43 | 90 | 34 | Independent Mortgage Company |
| 18 | First Horizon Bank | 79 | 81 | 74 | 26 | Bank |
| 19 | Prosperity Home Mortgage, LLC | 79 | 64 | 73 | 15 | Independent Mortgage Company |
| 20 | CMG MORTGAGE, INC. | 77 | 54 | 81 | 42 | Independent Mortgage Company |
| 21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 77 | 48 | 82 | 15 | Independent Mortgage Company |
| 22 | Mortgage Research Center, LLC | 75 | 34 | 61 | 786 | Independent Mortgage Company |
| 23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 33 | 83 | 84 | Independent Mortgage Company |
| 24 | Alcova Mortgage LLC | 75 | 32 | 86 | 76 | Independent Mortgage Company |
| 25 | NFM, INC. | 75 | 40 | 83 | 52 | Independent Mortgage Company |
| 26 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 75 | 33 | 85 | 50 | Independent Mortgage Company |
| 27 | AAFMAA Mortgage Services LLC | 74 | 73 | 72 | 20 | Independent Mortgage Company |
| 28 | LoanUnited.com, LLC | 73 | 47 | 53 | 44 | Independent Mortgage Company |
| 29 | PLAZA HOME MORTGAGE, INC. | 73 | 42 | 63 | 40 | Independent Mortgage Company |
| 30 | NEWREZ LLC | 73 | 47 | 63 | 36 | Independent Mortgage Company |
| 31 | PENTAGON FEDERAL CREDIT UNION | 73 | 66 | 58 | 21 | Credit Union |
| 32 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 32 | 71 | 207 | Independent Mortgage Company |
| 33 | UNION HOME MORTGAGE CORP. | 71 | 25 | 79 | 162 | Independent Mortgage Company |
| 34 | GUILD MORTGAGE COMPANY LLC | 71 | 22 | 77 | 62 | Independent Mortgage Company |
| 35 | NATIONSTAR MORTGAGE LLC | 71 | 20 | 69 | 59 | Independent Mortgage Company |
| 36 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 71 | 26 | 69 | 51 | Independent Mortgage Company |
| 37 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 70 | 30 | 83 | 14 | Independent Mortgage Company |
| 38 | Truist Bank | 69 | 71 | 60 | 43 | Bank |
| 39 | Primis Mortgage Company | 69 | 44 | 70 | 25 | Independent Mortgage Company |
| 40 | Wells Fargo Bank, National Association | 68 | 53 | 55 | 42 | Bank |
| 41 | ENCOMPASS LENDING GROUP, LP | 67 | 34 | 62 | 31 | Independent Mortgage Company |
| 42 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 66 | 29 | 74 | 33 | Independent Mortgage Company |
| 43 | Integrity Home Mortgage Corporation | 66 | 40 | 80 | 22 | Independent Mortgage Company |
| 44 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 22 | 79 | 19 | Independent Mortgage Company |
| 45 | GoodLeap, LLC | 64 | 50 | 55 | 36 | Independent Mortgage Company |
| 46 | Mid-Continent Funding, Inc. | 64 | 58 | 59 | 23 | Independent Mortgage Company |
| 47 | SOUTHERN TRUST MORTGAGE, LLC | 63 | 11 | 79 | 144 | Independent Mortgage Company |
| 48 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 26 | 51 | 37 | Independent Mortgage Company |
| 49 | Equity Prime Mortgage LLC | 62 | 20 | 57 | 17 | Independent Mortgage Company |
| 50 | VILLAGE CAPITAL & INVESTMENT LLC | 58 | 34 | 42 | 16 | 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.