# Best Mortgage Lenders in Raleigh

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

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

> **Canonical URL:** https://saferate.com/local/raleigh/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:** 196
- **Total Loans:** 23,619
- **Median Rate Spread:** 0.1480909090909091%

## 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) | 85 | 96 | 85 | 74 | $612 | -0.852% | 184 | Independent Mortgage Company | Direct | — |
| 2 | [STATE EMPLOYEES'](https://saferate.com/lenders/state-employees) | 82 | 73 | 74 | 100 | $2382 | -0.827% | 1,402 | Credit Union | Direct | — |
| 3 | [North State Bank](https://saferate.com/lenders/north-state-bank) | 79 | 80 | 71 | 87 | $1049 | -0.056% | 268 | Bank | Direct | — |
| 4 | [NAVY FEDERAL CREDIT UNION](https://saferate.com/lenders/navy-federal-credit-union) | 76 | 93 | 60 | 76 | $788 | -0.641% | 286 | Credit Union | Direct | — |
| 5 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | 75 | 41 | 93 | 92 | $1482 | -0.050% | 1,409 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 6 | [Truist Bank](https://saferate.com/lenders/truist-bank) | 75 | 70 | 68 | 86 | -$45 (Credit) | -0.056% | 539 | Bank | Direct | — |
| 7 | [Bank of America, National Association](https://saferate.com/lenders/bank-of-america-national-association) | 75 | 73 | 75 | 76 | $1555 | -0.265% | 275 | Bank | Direct | — |
| 8 | [American Security Mortgage Corp.](https://saferate.com/lenders/american-security-mortgage) | 74 | 59 | 77 | 87 | $1970 | 0.103% | 403 | Independent Mortgage Company | Direct | — |
| 9 | [MATTAMY HOME FUNDING, LLC](https://saferate.com/lenders/mattamy-home-funding) | 73 | 66 | 76 | 76 | $1229 | 0.703% | 185 | Independent Mortgage Company | Direct | — |
| 10 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | 72 | 29 | 95 | 94 | $3663 | 0.181% | 1,528 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Rocket Mortgage directly or with a mortgage broker. |
| 11 | [VANDERBILT MORTGAGE AND FINANCE, INC.](https://saferate.com/lenders/vanderbilt-mortgage-and-finance) | 72 | 51 | 82 | 84 | $5328 | 0.061% | 397 | Independent Mortgage Company | Direct | — |
| 12 | [NBKC BANK](https://saferate.com/lenders/nbkc-bank) | 72 | 91 | 59 | 65 | $350 | -0.215% | 94 | Bank | Direct | — |
| 13 | [First Heritage Mortgage, LLC](https://saferate.com/lenders/first-heritage-mortgage) | 71 | 51 | 89 | 73 | $2342 | 0.280% | 177 | Independent Mortgage Company | Direct | — |
| 14 | [PROVIDENT FUNDING ASSOCIATES, L.P.](https://saferate.com/lenders/provident-funding-associates-lp) | 70 | 83 | 55 | 72 | $478 | -0.146% | 188 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 15 | [First-Citizens Bank & Trust Company](https://saferate.com/lenders/first-citizens-bank-trust) | 69 | 60 | 62 | 84 | $1572 | -0.130% | 363 | Bank | Direct | — |
| 16 | [JET HOMELOANS, LP](https://saferate.com/lenders/jet-homeloans-lp) | 69 | 71 | 77 | 60 | $1987 | -0.444% | 56 | Independent Mortgage Company | Direct | — |
| 17 | [MOVEMENT MORTGAGE, LLC](https://saferate.com/lenders/movement-mortgage) | 68 | 32 | 84 | 90 | $2003 | 0.208% | 903 | Independent Mortgage Company | Direct | — |
| 18 | [GoPrime Mortgage, Inc.](https://saferate.com/lenders/goprime-mortgage) | 68 | 42 | 86 | 77 | $2433 | 0.297% | 166 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with GoPrime Mortgage directly or with a mortgage broker. |
| 19 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | 68 | 75 | 71 | 58 | $392 | -0.031% | 67 | Bank | Direct | — |
| 20 | [LOANDEPOT.COM, LLC](https://saferate.com/lenders/loandepotcom) | 67 | 48 | 76 | 79 | $2034 | -0.142% | 372 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Loandepot.Com directly or with a mortgage broker. |
| 21 | [First National Bank of Pennsylvania](https://saferate.com/lenders/first-national-bank-of-pennsylvania) | 67 | 60 | 71 | 70 | $1078 | 0.019% | 140 | Bank | Direct | — |
| 22 | [FBC MORTGAGE, LLC](https://saferate.com/lenders/fbc-mortgage) | 67 | 60 | 83 | 57 | $3016 | -0.247% | 52 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Fbc Mortgage directly or with a mortgage broker. |
| 23 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | 66 | 49 | 70 | 79 | $1548 | 0.018% | 388 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with JPMorgan Chase Bank, National Association directly or with a mortgage broker. |
| 24 | [Wells Fargo Bank, National Association](https://saferate.com/lenders/wells-fargo-bank-national-association) | 66 | 63 | 59 | 77 | $1919 | 0.006% | 306 | Bank | Direct | — |
| 25 | [General Mortgage Capital Corporation](https://saferate.com/lenders/general-mortgage-capital) | 66 | 50 | 79 | 68 | $922 | -0.100% | 98 | Independent Mortgage Company | Direct | — |
| 26 | [PENNYMAC LOAN SERVICES, LLC](https://saferate.com/lenders/pennymac-loan-services) | 65 | 56 | 63 | 76 | $1943 | -0.070% | 280 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Pennymac Loan Services directly or with a mortgage broker. |
| 27 | [FREEDOM MORTGAGE CORPORATION](https://saferate.com/lenders/freedom-mortgage) | 65 | 55 | 67 | 74 | $1753 | -0.020% | 247 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Freedom Mortgage Corporation directly or with a mortgage broker. |
| 28 | [Towne Bank](https://saferate.com/lenders/towne-bank) | 65 | 37 | 80 | 77 | $3376 | 0.312% | 208 | Bank | Direct | — |
| 29 | [Alcova Mortgage LLC](https://saferate.com/lenders/alcova-mortgage) | 65 | 32 | 90 | 72 | $2533 | 0.188% | 155 | Independent Mortgage Company | Direct | — |
| 30 | [PNC Bank, National Association](https://saferate.com/lenders/pnc-bank-national-association) | 65 | 71 | 61 | 63 | -$371 (Credit) | 0.028% | 85 | Bank | Direct | — |
| 31 | [FAIRWAY INDEPENDENT MORTGAGE CORPORATION](https://saferate.com/lenders/fairway-independent-mortgage) | 64 | 24 | 85 | 82 | $2585 | 0.399% | 517 | Independent Mortgage Company | Direct | — |
| 32 | [Prosperity Home Mortgage, LLC](https://saferate.com/lenders/prosperity-home-mortgage) | 64 | 37 | 77 | 78 | $2006 | 0.263% | 313 | Independent Mortgage Company | Direct | — |
| 33 | [M/I FINANCIAL, LLC](https://saferate.com/lenders/mi-financial) | 64 | 38 | 75 | 78 | $3623 | -0.084% | 263 | Independent Mortgage Company | Direct | — |
| 34 | [Fifth Third Bank, National Association](https://saferate.com/lenders/fifth-third-bank-national-association) | 64 | 62 | 62 | 69 | -$1040 (Credit) | -0.016% | 141 | Bank | Direct | — |
| 35 | [COASTAL Federal Credit Union](https://saferate.com/lenders/coastal-federal-credit-union) | 63 | 41 | 60 | 88 | $2054 | 0.199% | 303 | Credit Union | Direct | — |
| 36 | [CMG MORTGAGE, INC.](https://saferate.com/lenders/cmg-mortgage) | 63 | 33 | 81 | 74 | $608 | -0.154% | 245 | Independent Mortgage Company | Direct | — |
| 37 | [CORPORATE INVESTORS MORTGAGE GROUP, INC](https://saferate.com/lenders/corporate-investors-mortgage-group) | 63 | 42 | 73 | 74 | $2773 | 0.141% | 103 | Independent Mortgage Company | Direct | — |
| 38 | [The Central Trust Bank](https://saferate.com/lenders/the-central-trust-bank) | 63 | 47 | 75 | 66 | $1638 | 0.073% | 99 | Bank | Direct | — |
| 39 | [INTERCOASTAL MORTGAGE, LLC](https://saferate.com/lenders/intercoastal-mortgage) | 63 | 49 | 81 | 60 | $2077 | 0.475% | 56 | Independent Mortgage Company | Direct | — |
| 40 | [Towne Mortgage of the Carolinas, LLC](https://saferate.com/lenders/towne-mortgage-of-the-carolinas) | 62 | 33 | 68 | 85 | $3010 | 0.200% | 224 | Independent Mortgage Company | Direct | — |
| 41 | [ATLANTIC BAY MORTGAGE GROUP, L.L.C.](https://saferate.com/lenders/atlantic-bay-mortgage-group) | 62 | 25 | 90 | 72 | $3282 | 0.314% | 185 | Independent Mortgage Company | Direct | — |
| 42 | [FIRST HOME MORTGAGE CORPORATION](https://saferate.com/lenders/first-home-mortgage) | 61 | 18 | 88 | 77 | $3200 | 0.355% | 223 | Independent Mortgage Company | Direct | — |
| 43 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | 61 | 41 | 69 | 72 | $2514 | 0.147% | 220 | Independent Mortgage Company | Direct | — |
| 44 | [EQUITY RESOURCES, INC.](https://saferate.com/lenders/equity-resources) | 61 | 47 | 66 | 69 | $1629 | 0.182% | 104 | Independent Mortgage Company | Direct | — |
| 45 | [Ameris Bank](https://saferate.com/lenders/ameris-bank) | 61 | 42 | 82 | 58 | $3073 | 0.145% | 59 | Bank | Direct | — |
| 46 | [NFM, INC.](https://saferate.com/lenders/nfm) | 60 | 23 | 87 | 71 | $4575 | 0.415% | 177 | Independent Mortgage Company | Direct | — |
| 47 | [T2 FINANCIAL LLC](https://saferate.com/lenders/t2-financial) | 60 | 26 | 86 | 66 | $2652 | 0.399% | 108 | Independent Mortgage Company | Direct | — |
| 48 | [Mortgage Research Center, LLC](https://saferate.com/lenders/mortgage-research-center) | 59 | 34 | 70 | 72 | $2570 | 0.235% | 223 | Independent Mortgage Company | Direct | — |
| 49 | [THE LOAN STORE, INC.](https://saferate.com/lenders/the-loan-store) | 59 | 40 | 77 | 60 | $2346 | 0.126% | 74 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 50 | [DELMAR FINANCIAL COMPANY](https://saferate.com/lenders/delmar-financial) | 59 | 45 | 72 | 59 | $2550 | 0.361% | 50 | 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 Raleigh.

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.