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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
101
Total Lenders
8,823
Total Loans
0.17%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LENDLO MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $3,500 | +0.498% | 403 | |
2 | Arvest Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,504 | +0.215% | 1,176 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,167 | -0.081% | 264 | |
4 | First Horizon Bank | Exceptional | Exceptional | Strong | Strong | Strong | $2,477 | +0.032% | 122 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $417 | -0.565% | 86 | |
6 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Sound | $741 | -0.269% | 42 | |
7 | Priority Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,186 | +0.001% | 228 | |
8 | GERSHMAN INVESTMENT CORP. | Exceptional | Strong | Exceptional | Strong | Strong | $1,605 | +0.000% | 181 | |
9 | Eagle Bank and Trust Company | Exceptional | Strong | Strong | Exceptional | Strong | $1,687 | +0.116% | 94 | |
10 | ASSOCIATED MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,308 | +0.169% | 288 | |
11 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $3,825 | +0.424% | 48 | |
12 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $1,897 | -0.036% | 47 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,953 | +0.218% | 665 | |
14 | FLAT BRANCH MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,004 | +0.166% | 559 | |
15 | Centennial Bank | Strong | Sound | Strong | Strong | Exceptional | $1,756 | +0.115% | 418 | |
16 | Gateway First Bank | Strong | Sound | Exceptional | Strong | Strong | $2,658 | +0.149% | 185 | |
17 | ENCORE BANK | Strong | Strong | Strong | Sound | Strong | $1,599 | +0.220% | 100 | |
18 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $1,743 | -0.133% | 46 | |
19 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $2,343 | +0.075% | 150 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,467 | +0.287% | 87 | |
21 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,451 | +0.217% | 31 | |
22 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Sound | $2,334 | +0.198% | 28 | |
23 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,889 | +0.439% | 134 | |
24 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,292 | +0.315% | 82 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,737 | +0.610% | 63 | |
26 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | Sound | $4,848 | +0.470% | 44 |
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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