# Best Mortgage Lenders in North Carolina

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

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

> **Canonical URL:** https://saferate.com/local/north-carolina/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:** 410
- **Total Loans:** 146,863
- **Median Rate Spread:** 0.3044217171717172%

## Top Lenders

| Rank | Lender | Safe Rate Score | Pricing | Pull-Through | Place | Avg Fees | Rate Spread | Volume | Type | Channel | Notes |
|------|--------|----------------|---------|--------------|-------|----------|-------------|--------|------|---------|-------|
| 1 | [VELOCIO MORTGAGE L.L.C.](https://saferate.com/lenders/velocio-mortgage) | 84 | 96 | 85 | 71 | $466 | -0.871% | 441 | Independent Mortgage Company | Direct | — |
| 2 | [STATE EMPLOYEES'](https://saferate.com/lenders/state-employees) | 82 | 73 | 74 | 100 | $2200 | -0.738% | 9,247 | Credit Union | Direct | — |
| 3 | [NAVY FEDERAL CREDIT UNION](https://saferate.com/lenders/navy-federal-credit-union) | 79 | 93 | 60 | 84 | $706 | -0.541% | 2,526 | Credit Union | Direct | — |
| 4 | [First Bank](https://saferate.com/lenders/first-bank-nc) | 79 | 83 | 73 | 80 | $1277 | 0.069% | 591 | Bank | Direct | — |
| 5 | [American Security Mortgage Corp.](https://saferate.com/lenders/american-security-mortgage) | 76 | 59 | 77 | 91 | $1873 | 0.113% | 2,629 | Independent Mortgage Company | Direct | — |
| 6 | [Bank of America, National Association](https://saferate.com/lenders/bank-of-america-national-association) | 76 | 73 | 75 | 79 | $1682 | -0.152% | 1,494 | Bank | Direct | — |
| 7 | [North State Bank](https://saferate.com/lenders/north-state-bank) | 76 | 80 | 71 | 78 | $1047 | 0.002% | 453 | Bank | Direct | — |
| 8 | [Truist Bank](https://saferate.com/lenders/truist-bank) | 75 | 70 | 68 | 87 | $608 | 0.075% | 2,669 | Bank | Direct | — |
| 9 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | 74 | 41 | 93 | 89 | $2389 | 0.004% | 7,350 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 10 | [HomeTrust Bank](https://saferate.com/lenders/hometrust-bank) | 74 | 80 | 67 | 75 | $1168 | 0.032% | 330 | Bank | Direct | — |
| 11 | [RELIANCE FIRST CAPITAL, LLC](https://saferate.com/lenders/reliance-first-capital) | 73 | N/A | 96 | 72 | N/A | N/A | 457 | Independent Mortgage Company | Direct | — |
| 12 | [NBKC BANK](https://saferate.com/lenders/nbkc-bank) | 73 | 91 | 59 | 70 | $590 | -0.215% | 434 | Bank | Direct | — |
| 13 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | 72 | 29 | 95 | 94 | $3832 | 0.311% | 11,593 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Rocket Mortgage directly or with a mortgage broker. |
| 14 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | 72 | 75 | 71 | 70 | $834 | 0.030% | 604 | Bank | Direct | — |
| 15 | [MATTAMY HOME FUNDING, LLC](https://saferate.com/lenders/mattamy-home-funding) | 72 | 66 | 76 | 75 | $1312 | 0.569% | 533 | Independent Mortgage Company | Direct | — |
| 16 | [JET HOMELOANS, LP](https://saferate.com/lenders/jet-homeloans-lp) | 72 | 71 | 77 | 69 | $2465 | -0.372% | 301 | Independent Mortgage Company | Direct | — |
| 17 | [First National Bank of Pennsylvania](https://saferate.com/lenders/first-national-bank-of-pennsylvania) | 71 | 60 | 71 | 84 | $1349 | 0.072% | 1,549 | Bank | Direct | — |
| 18 | [FOUNDERS FEDERAL CREDIT UNION](https://saferate.com/lenders/founders-federal-credit-union) | 71 | 78 | 62 | 73 | $1205 | -0.530% | 333 | Credit Union | Direct | — |
| 19 | [First-Citizens Bank & Trust Company](https://saferate.com/lenders/first-citizens-bank-trust) | 70 | 60 | 62 | 87 | $1445 | -0.037% | 1,922 | Bank | Direct | — |
| 20 | [VANDERBILT MORTGAGE AND FINANCE, INC.](https://saferate.com/lenders/vanderbilt-mortgage-and-finance) | 70 | 51 | 82 | 76 | $3929 | 0.113% | 777 | Independent Mortgage Company | Direct | — |
| 21 | [PROVIDENT FUNDING ASSOCIATES, L.P.](https://saferate.com/lenders/provident-funding-associates-lp) | 70 | 83 | 55 | 71 | $733 | -0.093% | 545 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 22 | [First Heritage Mortgage, LLC](https://saferate.com/lenders/first-heritage-mortgage) | 70 | 51 | 89 | 69 | $2293 | 0.225% | 385 | Independent Mortgage Company | Direct | — |
| 23 | [MOVEMENT MORTGAGE, LLC](https://saferate.com/lenders/movement-mortgage) | 69 | 32 | 84 | 93 | $2384 | 0.302% | 6,974 | Independent Mortgage Company | Direct | — |
| 24 | [ATLANTIC BAY MORTGAGE GROUP, L.L.C.](https://saferate.com/lenders/atlantic-bay-mortgage-group) | 69 | 25 | 90 | 93 | $3434 | 0.390% | 4,640 | Independent Mortgage Company | Direct | — |
| 25 | [LOANDEPOT.COM, LLC](https://saferate.com/lenders/loandepotcom) | 69 | 48 | 76 | 83 | $2642 | -0.102% | 2,722 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Loandepot.Com directly or with a mortgage broker. |
| 26 | [GoPrime Mortgage, Inc.](https://saferate.com/lenders/goprime-mortgage) | 69 | 42 | 86 | 79 | $2351 | 0.142% | 650 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with GoPrime Mortgage directly or with a mortgage broker. |
| 27 | [FREEDOM MORTGAGE CORPORATION](https://saferate.com/lenders/freedom-mortgage) | 68 | 55 | 67 | 82 | $1744 | 0.008% | 2,212 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Freedom Mortgage Corporation directly or with a mortgage broker. |
| 28 | [Wells Fargo Bank, National Association](https://saferate.com/lenders/wells-fargo-bank-national-association) | 68 | 63 | 59 | 82 | $1877 | 0.062% | 2,164 | Bank | Direct | — |
| 29 | [INTERCOASTAL MORTGAGE, LLC](https://saferate.com/lenders/intercoastal-mortgage) | 68 | 49 | 81 | 74 | $1577 | 0.311% | 507 | Independent Mortgage Company | Direct | — |
| 30 | [Pinnacle Bank](https://saferate.com/lenders/pinnacle-bank-tn) | 68 | 60 | 72 | 73 | $1976 | 0.144% | 421 | Bank | Direct | — |
| 31 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | 67 | 49 | 70 | 80 | $1815 | 0.063% | 2,074 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with JPMorgan Chase Bank, National Association directly or with a mortgage broker. |
| 32 | [Alcova Mortgage LLC](https://saferate.com/lenders/alcova-mortgage) | 67 | 32 | 90 | 80 | $2702 | 0.322% | 1,014 | Independent Mortgage Company | Direct | — |
| 33 | [Truliant Federal Credit Union](https://saferate.com/lenders/truliant-federal-credit-union) | 67 | 64 | 58 | 79 | $888 | 0.349% | 532 | Credit Union | Direct | — |
| 34 | [Southern Bank and Trust Company](https://saferate.com/lenders/southern-bank-and-trust) | 67 | 60 | 62 | 78 | $1839 | 0.028% | 422 | Bank | Direct | — |
| 35 | [PENNYMAC LOAN SERVICES, LLC](https://saferate.com/lenders/pennymac-loan-services) | 66 | 56 | 63 | 79 | $2510 | -0.182% | 1,508 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Pennymac Loan Services directly or with a mortgage broker. |
| 36 | [Towne Bank](https://saferate.com/lenders/towne-bank) | 66 | 37 | 80 | 80 | $3358 | 0.304% | 904 | Bank | Direct | — |
| 37 | [PNC Bank, National Association](https://saferate.com/lenders/pnc-bank-national-association) | 66 | 71 | 61 | 68 | $193 | 0.084% | 418 | Bank | Direct | — |
| 38 | [Fifth Third Bank, National Association](https://saferate.com/lenders/fifth-third-bank-national-association) | 65 | 62 | 62 | 72 | $197 | 0.059% | 579 | Bank | Direct | — |
| 39 | [Ameris Bank](https://saferate.com/lenders/ameris-bank) | 65 | 42 | 82 | 71 | $2982 | 0.195% | 549 | Bank | Direct | — |
| 40 | [Uwharrie Bank](https://saferate.com/lenders/uwharrie-bank) | 65 | 54 | 65 | 76 | $1506 | 0.253% | 330 | Bank | Direct | — |
| 41 | [FAIRWAY INDEPENDENT MORTGAGE CORPORATION](https://saferate.com/lenders/fairway-independent-mortgage) | 64 | 24 | 85 | 83 | $3054 | 0.456% | 2,765 | Independent Mortgage Company | Direct | — |
| 42 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | 64 | 41 | 69 | 81 | $2453 | 0.207% | 2,007 | Independent Mortgage Company | Direct | — |
| 43 | [Atlantic Coast Mortgage, LLC](https://saferate.com/lenders/atlantic-coast-mortgage) | 64 | 37 | 84 | 71 | $3040 | 0.346% | 399 | Independent Mortgage Company | Direct | — |
| 44 | [CORPORATE INVESTORS MORTGAGE GROUP, INC](https://saferate.com/lenders/corporate-investors-mortgage-group) | 64 | 42 | 73 | 77 | $2770 | 0.145% | 375 | Independent Mortgage Company | Direct | — |
| 45 | [Mortgage Research Center, LLC](https://saferate.com/lenders/mortgage-research-center) | 63 | 34 | 70 | 86 | $1929 | 0.617% | 3,470 | Independent Mortgage Company | Direct | — |
| 46 | [CMG MORTGAGE, INC.](https://saferate.com/lenders/cmg-mortgage) | 63 | 33 | 81 | 75 | $2037 | 0.173% | 1,052 | Independent Mortgage Company | Direct | — |
| 47 | [Prosperity Home Mortgage, LLC](https://saferate.com/lenders/prosperity-home-mortgage) | 63 | 37 | 77 | 77 | $2299 | 0.277% | 1,034 | Independent Mortgage Company | Direct | — |
| 48 | [HOWARD HANNA FINANCIAL SERVICES, INC.](https://saferate.com/lenders/howard-hanna-financial-services) | 63 | 38 | 74 | 77 | $2188 | 0.253% | 744 | Independent Mortgage Company | Direct | — |
| 49 | [The Fidelity Bank](https://saferate.com/lenders/the-fidelity-bank) | 63 | 51 | 62 | 76 | $1715 | 0.321% | 331 | Bank | Direct | — |
| 50 | [SouthState Bank, National Association](https://saferate.com/lenders/southstate-bank-national-association) | 63 | 49 | 73 | 67 | $2219 | 0.189% | 297 | Bank | 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 North Carolina.

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. **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.