# Best VA Mortgage Lenders in Hickory

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

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

> **Canonical URL:** https://saferate.com/hickory/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:** 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 | 89 | 64 | 83 | 205 | Independent Mortgage Company |
| 2 | INSPIRE HOME LOANS INC. | 85 | 66 | 78 | 61 | Independent Mortgage Company |
| 3 | MOVEMENT MORTGAGE, LLC | 83 | 45 | 81 | 145 | Independent Mortgage Company |
| 4 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 445 | Independent Mortgage Company |
| 5 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 80 | 33 | 85 | 281 | Independent Mortgage Company |
| 6 | LOANDEPOT.COM, LLC | 79 | 53 | 69 | 61 | Independent Mortgage Company |
| 7 | FREEDOM MORTGAGE CORPORATION | 79 | 61 | 63 | 42 | Independent Mortgage Company |
| 8 | NAVY FEDERAL CREDIT UNION | 77 | 91 | 59 | 31 | Credit Union |
| 9 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 32 | 71 | 241 | Independent Mortgage Company |
| 10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 33 | 83 | 91 | Independent Mortgage Company |
| 11 | Alcova Mortgage LLC | 75 | 32 | 86 | 59 | Independent Mortgage Company |
| 12 | Primis Mortgage Company | 74 | 44 | 70 | 41 | Independent Mortgage Company |
| 13 | USAA Federal Savings Bank | 73 | 62 | 58 | 17 | Bank |
| 14 | INTERCOASTAL MORTGAGE, LLC | 73 | 46 | 81 | 16 | Independent Mortgage Company |
| 15 | Mortgage Research Center, LLC | 71 | 34 | 61 | 90 | Independent Mortgage Company |
| 16 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 71 | 29 | 74 | 84 | Independent Mortgage Company |
| 17 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 22 | 79 | 43 | Independent Mortgage Company |
| 18 | NEW DAY FINANCIAL, LLC | 52 | 2 | 49 | 16 | Independent Mortgage Company |
| 19 | The Federal Savings Bank | 52 | 9 | 54 | 11 | Bank |

## 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.