Safe Rate Rankings

Best VA Mortgage Lenders in Hickory

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders69

Total Loans3,992

Median Rate Spread0.26%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Strong	$2,938Fees	0.175%Above	205
2	INSPIRE HOME LOANS INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,083Fees	0.525%Above	61
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,087Fees	0.477%Below	31
4	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,438Fees	0.346%Above	145
5	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$2,080Fees	0.630%Above	42
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,906Fees	0.454%Above	445
7	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,861Fees	0.520%Above	281
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,514Fees	0.299%Above	61
9	USAA Federal Savings BankBank	Strong	Strong	Exceptional	Sound	Sound	$855Fees	0.128%Above	17
10	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,683Fees	0.566%Above	241
11	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,167Fees	0.449%Above	91
12	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,605Fees	0.515%Above	59
13	Primis Mortgage CompanyIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$3,797Fees	0.382%Above	41
14	INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	Sound	$1,570Fees	0.273%Above	16
15	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,244Fees	0.602%Above	84
16	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,165Fees	0.479%Above	43
17	NEW DAY FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$2,975Fees	0.768%Above	16
18	The Federal Savings BankBank	Sound	Mediocre	Exceptional	Sound	Sound	$3,663Fees	0.269%Above	11

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.