Safe Rate Rankings

Best Jumbo Mortgage Lenders in North Carolina

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders410

Total Loans146,863

Median Rate Spread0.30%

North Carolina Market Insights

Bank of America National Association is Safe Rate's top-ranked Jumbo lender in North Carolina, leading on pricing, pullthrough, Jumbo product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In North Carolina, Navy Federal Credit Union and Bank of America National Association scores highest on Jumbo pricing while Bank of America National Association and Us Bank National Association leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #7 in North Carolina, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in North Carolina: Rocket Mortgage (#10) and State Employees (#2).

Explore Rankings by Type

Overall Rankings

All lenders in North Carolina

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Bank of America, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,682Fees	0.152%Below	1,494
2	STATE EMPLOYEES' Credit UnionDirect	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$2,200Fees	0.738%Below	9,247
3	Wells Fargo Bank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$1,877Fees	0.062%Above	2,164
4	U.S. Bank National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$834Fees	0.030%Above	604
5	Truist Bank BankDirect	Exceptional	Strong	Exceptional	Strong	Exceptional	$608Fees	0.075%Above	2,669
6	First-Citizens Bank & Trust Company BankDirect	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,445Fees	0.037%Below	1,922
7	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Sound*	Exceptional	Strong	Exceptional	$2,389Fees	0.004%Above	7,350
8	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Exceptional	$706Fees	0.541%Below	2,526
9	First National Bank of Pennsylvania BankDirect	Strong	Sound	Exceptional	Strong	Exceptional	$1,349Fees	0.072%Above	1,549
10	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$3,832Fees	0.311%Above	11,593
11	Fifth Third Bank, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$197Fees	0.059%Above	579
12	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Exceptional	$2,453Fees	0.207%Above	2,007
13	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$2,384Fees	0.302%Above	6,974
14	American Security Mortgage Corp. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Exceptional	$1,873Fees	0.113%Above	2,629
15	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$1,815Fees	0.063%Above	2,074
16	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,510Fees	0.182%Below	1,508
17	North State Bank BankDirect	Strong	Exceptional	Strong	Strong	Strong	$1,047Fees	0.002%Above	453
18	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,604Fees	0.487%Above	2,671
19	First Bank BankDirect	Strong	Exceptional	Strong	Sound	Exceptional	$1,277Fees	0.069%Above	591
20	Truliant Federal Credit Union Credit UnionDirect	Strong	Strong	Strong	Strong	Strong	$888Fees	0.349%Above	532
21	COASTAL Federal Credit Union Credit UnionDirect	Strong	Sound	Strong	Exceptional	Exceptional	$2,002Fees	0.207%Above	579
22	TD Bank, National Association BankDirect	Strong	Sound	Exceptional	Strong	Strong	$812Fees	0.239%Above	359
23	ATLANTIC BAY MORTGAGE GROUP, L.L.C. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,434Fees	0.390%Above	4,640
24	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Exceptional	$2,642Fees	0.102%Below	2,722
25	PNC Bank, National Association BankDirect	Strong	Sound	Exceptional	Strong	Strong	$193Fees	0.084%Above	418
26	Regions Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,922Fees	0.199%Above	316
27	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$2,037Fees	0.173%Above	1,052
28	CORPORATE INVESTORS MORTGAGE GROUP, INC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$2,770Fees	0.145%Above	375
29	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,054Fees	0.456%Above	2,765
30	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,732Fees	0.338%Above	1,255
31	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$2,932Fees	0.131%Above	394
32	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,299Fees	0.277%Above	1,034
33	SouthState Bank, National Association BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,219Fees	0.189%Above	297
34	Ameris Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,982Fees	0.195%Above	549
35	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Strong	Sound	Exceptional	$3,086Fees	0.443%Above	1,664
36	Towne Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,358Fees	0.304%Above	904
37	NFM, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$3,761Fees	0.368%Above	825
38	Alcova Mortgage LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Sound	Exceptional	Exceptional	$2,702Fees	0.322%Above	1,014
39	First Heritage Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Strong	$2,293Fees	0.225%Above	385
40	Uwharrie Bank BankDirect	Strong	Sound	—	Strong	Strong	$1,506Fees	0.253%Above	330
41	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$1,850Fees	0.291%Above	1,149
42	HIGHLANDS RESIDENTIAL MORTGAGE, LTD. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Sound	Strong	$3,220Fees	0.272%Above	975
43	Southern Bank and Trust Company BankDirect	Strong	Strong	Sound	Strong	Strong	$1,839Fees	0.028%Above	422
44	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Strong	Sound	Acceptable	Strong	$2,263Fees	0.075%Above	541
45	T2 FINANCIAL LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Strong	$3,219Fees	0.484%Above	474
46	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	Strong	$2,525Fees	0.404%Above	436
47	Primis Mortgage Company Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Strong	$2,700Fees	0.284%Above	679
48	Pinnacle Bank BankDirect	Sound	Mediocre	Strong	Strong	Strong	$1,976Fees	0.144%Above	421
49	Integrity Home Mortgage Corporation Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	Strong	$2,661Fees	0.405%Above	530
50	HOWARD HANNA FINANCIAL SERVICES, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Sound	Strong	$2,188Fees	0.253%Above	744

❓ Frequently Asked Questions

How are mortgage lenders ranked in North Carolina?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in North Carolina), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in North Carolina?+

Based on 2024 HMDA data, 410 lenders originated a combined 146,863 loans in North Carolina. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in North Carolina?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in North Carolina is 0.30%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In North Carolina's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #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). 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.