# Best Mortgage Lenders in North Carolina

**As of:** 2026-05-20

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/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 | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | First Bank | 93 | 83 | 73 | 591 | Bank |
| 2 | VELOCIO MORTGAGE L.L.C. | 93 | 96 | 85 | 441 | Independent Mortgage Company |
| 3 | STATE EMPLOYEES' | 86 | 73 | 74 | 9,247 | Credit Union |
| 4 | Truist Bank | 86 | 70 | 68 | 2,669 | Bank |
| 5 | First-Citizens Bank & Trust Company | 86 | 60 | 62 | 1,922 | Bank |
| 6 | North State Bank | 86 | 80 | 71 | 453 | Bank |
| 7 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 7,350 | Independent Mortgage Company |
| 8 | NAVY FEDERAL CREDIT UNION | 84 | 93 | 60 | 2,526 | Credit Union |
| 9 | Bank of America, National Association | 80 | 73 | 75 | 1,494 | Bank |
| 10 | U.S. Bank National Association | 80 | 75 | 71 | 604 | Bank |
| 11 | Fifth Third Bank, National Association | 80 | 62 | 62 | 579 | Bank |
| 12 | MATTAMY HOME FUNDING, LLC | 80 | 66 | 76 | 533 | Independent Mortgage Company |
| 13 | Southern Bank and Trust Company | 80 | 60 | 62 | 422 | Bank |
| 14 | Pinnacle Bank | 80 | 60 | 72 | 421 | Bank |
| 15 | PNC Bank, National Association | 80 | 71 | 61 | 418 | Bank |
| 16 | FOUNDERS FEDERAL CREDIT UNION | 80 | 78 | 62 | 333 | Credit Union |
| 17 | HomeTrust Bank | 80 | 80 | 67 | 330 | Bank |
| 18 | JET HOMELOANS, LP | 80 | 71 | 77 | 301 | Independent Mortgage Company |
| 19 | LOANDEPOT.COM, LLC | 78 | 48 | 76 | 2,722 | Independent Mortgage Company |
| 20 | American Security Mortgage Corp. | 78 | 59 | 77 | 2,629 | Independent Mortgage Company |
| 21 | FREEDOM MORTGAGE CORPORATION | 78 | 55 | 67 | 2,212 | Independent Mortgage Company |
| 22 | Wells Fargo Bank, National Association | 78 | 63 | 59 | 2,164 | Bank |
| 23 | JPMorgan Chase Bank, National Association | 78 | 49 | 70 | 2,074 | Bank |
| 24 | GUARANTEED RATE, INC. | 78 | 41 | 69 | 2,007 | Independent Mortgage Company |
| 25 | First National Bank of Pennsylvania | 78 | 60 | 71 | 1,549 | Bank |
| 26 | VANDERBILT MORTGAGE AND FINANCE, INC. | 78 | 51 | 82 | 777 | Independent Mortgage Company |
| 27 | GoPrime Mortgage, Inc. | 78 | 42 | 86 | 650 | Independent Mortgage Company |
| 28 | COASTAL Federal Credit Union | 78 | 41 | 60 | 579 | Credit Union |
| 29 | Ameris Bank | 78 | 42 | 82 | 549 | Bank |
| 30 | PROVIDENT FUNDING ASSOCIATES, L.P. | 78 | 83 | 55 | 545 | Independent Mortgage Company |
| 31 | INTERCOASTAL MORTGAGE, LLC | 78 | 49 | 81 | 507 | Independent Mortgage Company |
| 32 | NBKC BANK | 78 | 91 | 59 | 434 | Bank |
| 33 | First Heritage Mortgage, LLC | 78 | 51 | 89 | 385 | Independent Mortgage Company |
| 34 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 11,593 | Independent Mortgage Company |
| 35 | MOVEMENT MORTGAGE, LLC | 74 | 32 | 84 | 6,974 | Independent Mortgage Company |
| 36 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 74 | 25 | 90 | 4,640 | Independent Mortgage Company |
| 37 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 74 | 24 | 85 | 2,765 | Independent Mortgage Company |
| 38 | UNION HOME MORTGAGE CORP. | 74 | 22 | 83 | 1,664 | Independent Mortgage Company |
| 39 | Alcova Mortgage LLC | 74 | 32 | 90 | 1,014 | Independent Mortgage Company |
| 40 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 1,508 | Independent Mortgage Company |
| 41 | Truliant Federal Credit Union | 73 | 64 | 58 | 532 | Credit Union |
| 42 | CORPORATE INVESTORS MORTGAGE GROUP, INC | 73 | 42 | 73 | 375 | Independent Mortgage Company |
| 43 | EQUITY RESOURCES, INC. | 73 | 47 | 66 | 375 | Independent Mortgage Company |
| 44 | INSPIRE HOME LOANS INC. | 73 | 43 | 75 | 364 | Independent Mortgage Company |
| 45 | The Fidelity Bank | 73 | 51 | 62 | 331 | Bank |
| 46 | Uwharrie Bank | 73 | 54 | 65 | 330 | Bank |
| 47 | Regions Bank | 73 | 41 | 64 | 316 | Bank |
| 48 | BAY EQUITY LLC | 73 | 43 | 65 | 313 | Independent Mortgage Company |
| 49 | SouthState Bank, National Association | 73 | 49 | 73 | 297 | Bank |
| 50 | Mortgage Research Center, LLC | 68 | 34 | 70 | 3,470 | Independent Mortgage Company |

## 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 SafeRate Score is derived using an equal, geometric weighting 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.