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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in North Carolina
Updated February 6, 2026
Market Overview
410
Total Lenders
146,863
Total Loans
0.30%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | First Bank | Exceptional | Exceptional | Strong | Exceptional | $1,277 | +0.069% | 591 | |
2 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Strong | $466 | -0.871% | 441 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $706 | -0.541% | 2,526 | |
4 | North State Bank | Exceptional | Exceptional | Strong | Strong | $1,047 | +0.002% | 453 | |
5 | STATE EMPLOYEES' | Exceptional | Strong | Strong | Exceptional | $2,200 | -0.738% | 9,247 | |
6 | Truist Bank | Exceptional | Strong | Strong | Exceptional | $608 | +0.075% | 2,669 | |
7 | First-Citizens Bank & Trust Company | Exceptional | Strong | Strong | Exceptional | $1,445 | -0.037% | 1,922 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $733 | -0.093% | 545 | |
9 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $590 | -0.215% | 434 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,389 | +0.004% | 7,350 | |
11 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $1,877 | +0.062% | 2,164 | |
12 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,682 | -0.152% | 1,494 | |
13 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $834 | +0.030% | 604 | |
14 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $197 | +0.059% | 579 | |
15 | MATTAMY HOME FUNDING, LLC | Strong | Strong | Strong | Strong | $1,312 | +0.569% | 533 | |
16 | Southern Bank and Trust Company | Strong | Strong | Strong | Strong | $1,839 | +0.028% | 422 | |
17 | Pinnacle Bank | Strong | Strong | Strong | Strong | $1,976 | +0.144% | 421 | |
18 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $193 | +0.084% | 418 | |
19 | FOUNDERS FEDERAL CREDIT UNION | Strong | Strong | Strong | Strong | $1,205 | -0.530% | 333 | |
20 | HomeTrust Bank | Strong | Strong | Strong | Strong | $1,168 | +0.032% | 330 | |
21 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $2,465 | -0.372% | 301 | |
22 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,642 | -0.102% | 2,722 | |
23 | American Security Mortgage Corp. | Strong | Sound | Strong | Exceptional | $1,873 | +0.113% | 2,629 | |
24 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $1,744 | +0.008% | 2,212 | |
25 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,815 | +0.063% | 2,074 | |
26 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,453 | +0.207% | 2,007 | |
27 | First National Bank of Pennsylvania | Strong | Sound | Strong | Exceptional | $1,349 | +0.072% | 1,549 | |
28 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $3,929 | +0.113% | 777 | |
29 | GoPrime Mortgage, Inc. | Strong | Sound | Exceptional | Strong | $2,351 | +0.142% | 650 | |
30 | COASTAL Federal Credit Union | Strong | Sound | Strong | Exceptional | $2,002 | +0.207% | 579 | |
31 | Ameris Bank | Strong | Sound | Exceptional | Strong | $2,982 | +0.195% | 549 | |
32 | Truliant Federal Credit Union | Strong | Strong | Sound | Strong | $888 | +0.349% | 532 | |
33 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $1,577 | +0.311% | 507 | |
34 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Strong | $2,293 | +0.225% | 385 | |
35 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,832 | +0.311% | 11,593 | |
36 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,384 | +0.302% | 6,974 | |
37 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $3,434 | +0.390% | 4,640 | |
38 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,054 | +0.456% | 2,765 | |
39 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $3,086 | +0.443% | 1,664 | |
40 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,510 | -0.182% | 1,508 | |
41 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | $2,702 | +0.322% | 1,014 | |
42 | CORPORATE INVESTORS MORTGAGE GROUP, INC | Strong | Sound | Strong | Strong | $2,770 | +0.145% | 375 | |
43 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | $1,928 | +0.231% | 375 | |
44 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $2,295 | +0.525% | 364 | |
45 | The Fidelity Bank | Strong | Sound | Strong | Strong | $1,715 | +0.321% | 331 | |
46 | Uwharrie Bank | Strong | Sound | Strong | Strong | $1,506 | +0.253% | 330 | |
47 | Regions Bank | Strong | Sound | Strong | Strong | $1,922 | +0.199% | 316 | |
48 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $2,945 | +0.113% | 313 | |
49 | SouthState Bank, National Association | Strong | Sound | Strong | Strong | $2,219 | +0.189% | 297 | |
50 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,929 | +0.617% | 3,470 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
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