# Best Mortgage Lenders in Jacksonville, NC

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

Compare the top mortgage lenders in Jacksonville, NC. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/jacksonville-nc/best-mortgage-lenders


> **📋 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:** 50
- **Total Loans:** 3,688
- **Median Rate Spread:** 0.00047999999999999877%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | NAVY FEDERAL CREDIT UNION | 84 | 93 | 60 | 484 | Credit Union |
| 2 | STATE EMPLOYEES' | 80 | 73 | 74 | 51 | Credit Union |
| 3 | FREEDOM MORTGAGE CORPORATION | 78 | 55 | 67 | 287 | Independent Mortgage Company |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 78 | 41 | 93 | 130 | Independent Mortgage Company |
| 5 | FBC MORTGAGE, LLC | 78 | 60 | 83 | 31 | Independent Mortgage Company |
| 6 | MOVEMENT MORTGAGE, LLC | 74 | 32 | 84 | 314 | Independent Mortgage Company |
| 7 | GUILD MORTGAGE COMPANY LLC | 74 | 25 | 83 | 235 | Independent Mortgage Company |
| 8 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 221 | Independent Mortgage Company |
| 9 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 113 | Independent Mortgage Company |
| 10 | American Security Mortgage Corp. | 73 | 59 | 77 | 50 | Independent Mortgage Company |
| 11 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 48 | Independent Mortgage Company |
| 12 | AAFMAA Mortgage Services LLC | 73 | 67 | 54 | 44 | Independent Mortgage Company |
| 13 | First-Citizens Bank & Trust Company | 73 | 60 | 62 | 35 | Bank |
| 14 | LOANSTEADY LLC | 73 | 50 | 61 | 33 | Independent Mortgage Company |
| 15 | JET HOMELOANS, LP | 73 | 71 | 77 | 25 | Independent Mortgage Company |
| 16 | INTERCOASTAL MORTGAGE, LLC | 71 | 49 | 81 | 24 | Independent Mortgage Company |
| 17 | NBKC BANK | 71 | 91 | 59 | 21 | Bank |
| 18 | Mortgage Research Center, LLC | 68 | 34 | 70 | 414 | Independent Mortgage Company |
| 19 | Integrity Home Mortgage Corporation | 68 | 22 | 83 | 97 | Independent Mortgage Company |
| 20 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 68 | 25 | 90 | 65 | Independent Mortgage Company |
| 21 | T2 FINANCIAL LLC | 68 | 26 | 86 | 58 | Independent Mortgage Company |
| 22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 45 | Independent Mortgage Company |
| 23 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 24 | Bank |
| 24 | LOANDEPOT.COM, LLC | 66 | 48 | 76 | 23 | Independent Mortgage Company |
| 25 | PLAZA HOME MORTGAGE, INC. | 63 | 36 | 69 | 84 | Independent Mortgage Company |
| 26 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 83 | Independent Mortgage Company |
| 27 | Primis Mortgage Company | 63 | 32 | 66 | 32 | Independent Mortgage Company |
| 28 | NEWREZ LLC | 62 | 35 | 59 | 216 | Independent Mortgage Company |
| 29 | CMG MORTGAGE, INC. | 62 | 33 | 81 | 28 | Independent Mortgage Company |
| 30 | UNION HOME MORTGAGE CORP. | 62 | 22 | 83 | 22 | Independent Mortgage Company |
| 31 | USAA Federal Savings Bank | 60 | 54 | 45 | 34 | Bank |
| 32 | MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 57 | 57 | 24 | Independent Mortgage Company |
| 33 | NATIONSTAR MORTGAGE LLC | 58 | 26 | 71 | 23 | Independent Mortgage Company |
| 34 | NEW DAY FINANCIAL, LLC | 36 | 5 | 26 | 28 | 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 Jacksonville, 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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.