# Best Conventional Mortgage Companie Lenders in Fayetteville, NC

**As of:** 2026-06-04

Compare the top mortgage companies for Conventional loans in Fayetteville, NC.

> **Canonical URL:** https://saferate.com/local/fayetteville-nc/best-mortgage-lenders/mortgage-companies/conventional-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:** 80
- **Total Loans:** 5,788
- **Median Rate Spread:** 0.11802564102564102%

## Top Lenders

| Rank | Lender | Safe Rate Score | Pricing | Product | Pull-Through | Place | Avg Fees | Rate Spread | Volume | Type | Channel | Notes |
|------|--------|----------------|---------|---------|--------------|-------|----------|-------------|--------|------|---------|-------|
| 1 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | 77 | 36 | 100 | 86 | 87 | $3025 | -0.320% | 381 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 2 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | 76 | 28 | 100 | 87 | 89 | $3930 | 0.356% | 427 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Rocket Mortgage directly or with a mortgage broker. |
| 3 | [MOVEMENT MORTGAGE, LLC](https://saferate.com/lenders/movement-mortgage) | 72 | 34 | 94 | 77 | 84 | $2304 | 0.111% | 277 | Independent Mortgage Company | Direct | — |
| 4 | [American Security Mortgage Corp.](https://saferate.com/lenders/american-security-mortgage) | 72 | 61 | 77 | 69 | 82 | $1807 | -0.041% | 151 | Independent Mortgage Company | Direct | — |
| 5 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | 69 | 39 | 94 | 65 | 77 | $2599 | -0.099% | 163 | Independent Mortgage Company | Direct | — |
| 6 | [CROSSCOUNTRY MORTGAGE, LLC](https://saferate.com/lenders/crosscountry-mortgage) | 68 | 21 | 96 | 74 | 80 | $3531 | 0.310% | 207 | Independent Mortgage Company | Direct | — |
| 7 | [LOANDEPOT.COM, LLC](https://saferate.com/lenders/loandepotcom) | 68 | 45 | 90 | 72 | 67 | $2881 | 0.035% | 82 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Loandepot.Com directly or with a mortgage broker. |
| 8 | [UNION HOME MORTGAGE CORP.](https://saferate.com/lenders/union-home-mortgage) | 67 | 23 | 90 | 77 | 78 | $2943 | 0.118% | 162 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Union Home Mortgage Corp. directly or with a mortgage broker. |
| 9 | [Alcova Mortgage LLC](https://saferate.com/lenders/alcova-mortgage) | 67 | 31 | 84 | 82 | 70 | $2404 | 0.224% | 76 | Independent Mortgage Company | Direct | — |
| 10 | [JET HOMELOANS, LP](https://saferate.com/lenders/jet-homeloans-lp) | 66 | 53 | 70 | 65 | 75 | $3492 | -0.275% | 98 | Independent Mortgage Company | Direct | — |
| 11 | [FAIRWAY INDEPENDENT MORTGAGE CORPORATION](https://saferate.com/lenders/fairway-independent-mortgage) | 66 | 25 | 95 | 78 | 67 | $1424 | 0.090% | 84 | Independent Mortgage Company | Direct | — |
| 12 | [GUILD MORTGAGE COMPANY LLC](https://saferate.com/lenders/guild-mortgage-company) | 65 | 25 | 95 | 77 | 63 | $2101 | 0.171% | 62 | Independent Mortgage Company | Direct | — |
| 13 | [CMG MORTGAGE, INC.](https://saferate.com/lenders/cmg-mortgage) | 65 | 34 | 94 | 73 | 58 | $2461 | 0.178% | 42 | Independent Mortgage Company | Direct | — |
| 14 | [Mortgage Research Center, LLC](https://saferate.com/lenders/mortgage-research-center) | 64 | 34 | 80 | 43 | 100 | $1526 | 0.859% | 786 | Independent Mortgage Company | Direct | — |
| 15 | [PENNYMAC LOAN SERVICES, LLC](https://saferate.com/lenders/pennymac-loan-services) | 64 | 42 | 88 | 59 | 69 | $3311 | -0.554% | 93 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Pennymac Loan Services directly or with a mortgage broker. |
| 16 | [ATLANTIC BAY MORTGAGE GROUP, L.L.C.](https://saferate.com/lenders/atlantic-bay-mortgage-group) | 64 | 25 | 88 | 80 | 61 | $2521 | 0.091% | 50 | Independent Mortgage Company | Direct | — |
| 17 | [SOUTHERN TRUST MORTGAGE, LLC](https://saferate.com/lenders/southern-trust-mortgage) | 61 | 22 | 74 | 67 | 83 | $4254 | 0.237% | 144 | Independent Mortgage Company | Direct | — |
| 18 | [NEW AMERICAN FUNDING, LLC](https://saferate.com/lenders/new-american-funding) | 61 | 26 | 92 | 60 | 65 | $1940 | 0.475% | 72 | Independent Mortgage Company | Direct | — |
| 19 | [NFM, INC.](https://saferate.com/lenders/nfm) | 61 | 19 | 88 | 77 | 61 | $2083 | -0.065% | 52 | Independent Mortgage Company | Direct | — |
| 20 | [NATIONSTAR MORTGAGE LLC](https://saferate.com/lenders/nationstar-mortgage) | 59 | 27 | 81 | 64 | 63 | $2785 | 0.385% | 59 | Independent Mortgage Company | Direct | — |
| 21 | [NEWREZ LLC](https://saferate.com/lenders/newrez) | 59 | 31 | 93 | 58 | 56 | $1596 | 0.130% | 36 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Newrez Llc directly or with a mortgage broker. |
| 22 | [CREDIT UNION MORTGAGE ASSOCIATION, INC.](https://saferate.com/lenders/credit-union-mortgage-association) | 59 | 88 | 61 | 36 | 50 | $1460 | -0.631% | 17 | Independent Mortgage Company | Direct | — |
| 23 | [CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP](https://saferate.com/lenders/cardinal-financial-company-limited-partnership) | 58 | 20 | 87 | 78 | 48 | $2127 | 0.418% | 19 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Cardinal Financial Company, Limited Partnership directly or with a mortgage broker. |
| 24 | [GoodLeap, LLC](https://saferate.com/lenders/goodleap) | 57 | 49 | 72 | 51 | 57 | $2552 | 0.210% | 36 | Independent Mortgage Company | Direct | — |
| 25 | [HIGHLANDS RESIDENTIAL MORTGAGE, LTD.](https://saferate.com/lenders/highlands-residential-mortgage) | 57 | 20 | 83 | 68 | 56 | $2473 | 0.152% | 33 | Independent Mortgage Company | Direct | — |
| 26 | [ROYAL UNITED MORTGAGE LLC](https://saferate.com/lenders/royal-united-mortgage) | 47 | 4 | 77 | 62 | 46 | $2476 | 1.118% | 16 | Independent Mortgage Company | Direct | — |
| 27 | [ACOPIA, LLC](https://saferate.com/lenders/acopia) | 46 | 21 | 63 | 52 | 47 | $3201 | 0.897% | 15 | Independent Mortgage Company | Direct | — |
| 28 | [LoanUnited.com, LLC](https://saferate.com/lenders/loanunitedcom) | 45 | 42 | 50 | 26 | 64 | $3337 | -0.376% | 44 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 29 | [ENCOMPASS LENDING GROUP, LP](https://saferate.com/lenders/encompass-lending-group-lp) | 45 | 33 | 49 | 35 | 61 | $2701 | 0.230% | 31 | Independent Mortgage Company | Direct | — |
| 30 | [CARRINGTON MORTGAGE SERVICES, LLC](https://saferate.com/lenders/carrington-mortgage-services) | 44 | 23 | 65 | 30 | 57 | $4094 | 0.343% | 37 | Independent Mortgage Company | Direct | — |
| 31 | [AMERISAVE MORTGAGE CORPORATION](https://saferate.com/lenders/amerisave-mortgage) | 38 | 17 | 65 | 23 | 46 | $3338 | 0.524% | 16 | Independent Mortgage Company | Direct | — |

## 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 Fayetteville, NC.

Our composite Safe Rate Score is derived using a weighted average 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.

## Licensing & Disclosures

Lender rankings and market statistics are created by [Dylan Hall, licensed mortgage loan officer (NMLS #1658740)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by [PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.