# Best FHA Mortgage Lenders in Jacksonville, NC

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

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

> **Canonical URL:** https://saferate.com/jacksonville-nc/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:** 50
- **Total Loans:** 3,688
- **Median Rate Spread:** 0.00047999999999999877%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | FREEDOM MORTGAGE CORPORATION | 89 | 65 | 62 | 287 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 52 | 81 | 130 | Independent Mortgage Company |
| 3 | FBC MORTGAGE, LLC | 83 | 77 | 82 | 31 | Independent Mortgage Company |
| 4 | American Security Mortgage Corp. | 80 | 66 | 72 | 50 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 221 | Independent Mortgage Company |
| 6 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 48 | Independent Mortgage Company |
| 7 | NEWREZ LLC | 77 | 52 | 56 | 216 | Independent Mortgage Company |
| 8 | MOVEMENT MORTGAGE, LLC | 75 | 30 | 79 | 314 | Independent Mortgage Company |
| 9 | GUILD MORTGAGE COMPANY LLC | 75 | 29 | 80 | 235 | Independent Mortgage Company |
| 10 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 75 | 28 | 84 | 65 | Independent Mortgage Company |
| 11 | T2 FINANCIAL LLC | 75 | 29 | 82 | 58 | Independent Mortgage Company |
| 12 | Primis Mortgage Company | 74 | 40 | 74 | 32 | Independent Mortgage Company |
| 13 | INTERCOASTAL MORTGAGE, LLC | 74 | 69 | 79 | 24 | Independent Mortgage Company |
| 14 | LOANDEPOT.COM, LLC | 73 | 59 | 68 | 23 | Independent Mortgage Company |
| 15 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 113 | Independent Mortgage Company |
| 16 | Integrity Home Mortgage Corporation | 71 | 23 | 79 | 97 | Independent Mortgage Company |
| 17 | PLAZA HOME MORTGAGE, INC. | 71 | 30 | 65 | 84 | Independent Mortgage Company |
| 18 | Mortgage Research Center, LLC | 70 | 34 | 54 | 414 | Independent Mortgage Company |
| 19 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 83 | Independent Mortgage Company |
| 20 | NEW AMERICAN FUNDING, LLC | 52 | 19 | 57 | 18 | 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. **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.