# Best VA Mortgage Lenders in Jacksonville, NC

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

Compare the top VA 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/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:** 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 | 61 | 63 | 287 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 89 | 64 | 83 | 130 | Independent Mortgage Company |
| 3 | NAVY FEDERAL CREDIT UNION | 88 | 91 | 59 | 484 | Credit Union |
| 4 | MOVEMENT MORTGAGE, LLC | 88 | 45 | 81 | 314 | Independent Mortgage Company |
| 5 | FBC MORTGAGE, LLC | 88 | 85 | 87 | 31 | Independent Mortgage Company |
| 6 | JET HOMELOANS, LP | 88 | 82 | 87 | 25 | Independent Mortgage Company |
| 7 | GUARANTEED RATE, INC. | 85 | 79 | 70 | 113 | Independent Mortgage Company |
| 8 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 48 | Independent Mortgage Company |
| 9 | NEWREZ LLC | 83 | 47 | 63 | 216 | Independent Mortgage Company |
| 10 | American Security Mortgage Corp. | 83 | 58 | 87 | 50 | Independent Mortgage Company |
| 11 | NBKC BANK | 83 | 91 | 75 | 21 | Bank |
| 12 | CORNERSTONE CAPITAL BANK, SSB | 83 | 61 | 85 | 11 | Bank |
| 13 | AAFMAA Mortgage Services LLC | 80 | 73 | 72 | 44 | Independent Mortgage Company |
| 14 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 221 | Independent Mortgage Company |
| 15 | PLAZA HOME MORTGAGE, INC. | 79 | 42 | 63 | 84 | Independent Mortgage Company |
| 16 | CMG MORTGAGE, INC. | 77 | 54 | 81 | 28 | Independent Mortgage Company |
| 17 | Towne Bank | 77 | 41 | 82 | 14 | Bank |
| 18 | Mortgage Research Center, LLC | 75 | 34 | 61 | 414 | Independent Mortgage Company |
| 19 | GUILD MORTGAGE COMPANY LLC | 75 | 22 | 77 | 235 | Independent Mortgage Company |
| 20 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 75 | 33 | 85 | 65 | Independent Mortgage Company |
| 21 | T2 FINANCIAL LLC | 75 | 22 | 82 | 58 | Independent Mortgage Company |
| 22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 33 | 83 | 45 | Independent Mortgage Company |
| 23 | VANDERBILT MORTGAGE AND FINANCE, INC. | 75 | 79 | 86 | 10 | Independent Mortgage Company |
| 24 | LOANSTEADY LLC | 74 | 59 | 70 | 33 | Independent Mortgage Company |
| 25 | Primis Mortgage Company | 74 | 44 | 70 | 32 | Independent Mortgage Company |
| 26 | USAA Federal Savings Bank | 73 | 62 | 58 | 34 | Bank |
| 27 | INTERCOASTAL MORTGAGE, LLC | 73 | 46 | 81 | 24 | Independent Mortgage Company |
| 28 | MUTUAL OF OMAHA MORTGAGE, INC. | 73 | 46 | 60 | 24 | Independent Mortgage Company |
| 29 | LOANDEPOT.COM, LLC | 73 | 53 | 69 | 23 | Independent Mortgage Company |
| 30 | THE LOAN STORE, INC. | 73 | 51 | 75 | 15 | Independent Mortgage Company |
| 31 | Integrity Home Mortgage Corporation | 71 | 40 | 80 | 97 | Independent Mortgage Company |
| 32 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 32 | 71 | 83 | Independent Mortgage Company |
| 33 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | 69 | 41 | 63 | 11 | Independent Mortgage Company |
| 34 | Wells Fargo Bank, National Association | 68 | 53 | 55 | 24 | Bank |
| 35 | NATIONSTAR MORTGAGE LLC | 66 | 20 | 69 | 23 | Independent Mortgage Company |
| 36 | UNION HOME MORTGAGE CORP. | 66 | 25 | 79 | 22 | Independent Mortgage Company |
| 37 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 66 | 26 | 69 | 12 | Independent Mortgage Company |
| 38 | Mid-Continent Funding, Inc. | 64 | 58 | 59 | 13 | Independent Mortgage Company |
| 39 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 26 | 51 | 13 | Independent Mortgage Company |
| 40 | NEW DAY FINANCIAL, LLC | 52 | 2 | 49 | 28 | Independent Mortgage Company |
| 41 | NEW AMERICAN FUNDING, LLC | 52 | 19 | 58 | 18 | Independent Mortgage Company |
| 42 | The Federal Savings Bank | 52 | 9 | 54 | 14 | 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 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.