# Best FHA Mortgage Lenders in Hickory

**As of:** 2026-05-22

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

> **Canonical URL:** https://saferate.com/hickory/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:** 69
- **Total Loans:** 3,992
- **Median Rate Spread:** 0.2648030303030303%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 52 | 81 | 205 | Independent Mortgage Company |
| 2 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 445 | Independent Mortgage Company |
| 3 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 80 | 28 | 84 | 281 | Independent Mortgage Company |
| 4 | First-Citizens Bank & Trust Company | 79 | 95 | 57 | 68 | Bank |
| 5 | INSPIRE HOME LOANS INC. | 79 | 53 | 75 | 61 | Independent Mortgage Company |
| 6 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 61 | Independent Mortgage Company |
| 7 | FREEDOM MORTGAGE CORPORATION | 79 | 65 | 62 | 42 | Independent Mortgage Company |
| 8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 91 | Independent Mortgage Company |
| 9 | Alcova Mortgage LLC | 75 | 39 | 85 | 59 | Independent Mortgage Company |
| 10 | Truist Bank | 74 | 75 | 53 | 130 | Bank |
| 11 | Primis Mortgage Company | 74 | 40 | 74 | 41 | Independent Mortgage Company |
| 12 | MORTGAGE ASSURANCE, INC. | 74 | 60 | 64 | 27 | Independent Mortgage Company |
| 13 | PENNYMAC LOAN SERVICES, LLC | 73 | 78 | 59 | 35 | Independent Mortgage Company |
| 14 | Flagstar Bank, N.A. | 73 | 58 | 71 | 17 | Bank |
| 15 | GoodLeap, LLC | 73 | 62 | 58 | 13 | Independent Mortgage Company |
| 16 | MOVEMENT MORTGAGE, LLC | 71 | 30 | 79 | 145 | Independent Mortgage Company |
| 17 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 59 | Independent Mortgage Company |
| 18 | HOWARD HANNA FINANCIAL SERVICES, INC. | 69 | 46 | 76 | 19 | Independent Mortgage Company |
| 19 | NEWREZ LLC | 68 | 52 | 56 | 19 | Independent Mortgage Company |
| 20 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 38 | 79 | 43 | Independent Mortgage Company |
| 21 | LOWER, LLC | 66 | 29 | 66 | 29 | Independent Mortgage Company |
| 22 | GUARANTEED RATE, INC. | 66 | 38 | 68 | 17 | Independent Mortgage Company |
| 23 | Equity Prime Mortgage LLC | 66 | 22 | 63 | 14 | Independent Mortgage Company |
| 24 | M/I FINANCIAL, LLC | 66 | 47 | 80 | 10 | Independent Mortgage Company |
| 25 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 19 | 69 | 241 | Independent Mortgage Company |
| 26 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 63 | 18 | 81 | 84 | Independent Mortgage Company |
| 27 | MUTUAL OF OMAHA MORTGAGE, INC. | 62 | 36 | 56 | 19 | Independent Mortgage Company |
| 28 | AMERISAVE MORTGAGE CORPORATION | 62 | 23 | 45 | 19 | Independent Mortgage Company |
| 29 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 14 | Independent Mortgage Company |
| 30 | RELIANCE FIRST CAPITAL, LLC | 59 | N/A | 91 | 22 | Independent Mortgage Company |
| 31 | NATIONSTAR MORTGAGE LLC | 56 | 13 | 63 | 28 | Independent Mortgage Company |
| 32 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 56 | 9 | 74 | 18 | Independent Mortgage Company |
| 33 | NEW AMERICAN FUNDING, LLC | 52 | 19 | 57 | 30 | 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 Hickory.

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.