# Best Bank Mortgage Lenders in North Carolina

**As of:** 2026-05-27

Compare the top banks offering mortgages in North Carolina. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/north-carolina/best-mortgage-lenders/banks


> **📋 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 | Truist Bank | 86 | 70 | 68 | 2,669 | Bank |
| 3 | First-Citizens Bank & Trust Company | 86 | 60 | 62 | 1,922 | Bank |
| 4 | North State Bank | 86 | 80 | 71 | 453 | Bank |
| 5 | Bank of America, National Association | 80 | 73 | 75 | 1,494 | Bank |
| 6 | U.S. Bank National Association | 80 | 75 | 71 | 604 | Bank |
| 7 | Fifth Third Bank, National Association | 80 | 62 | 62 | 579 | Bank |
| 8 | Southern Bank and Trust Company | 80 | 60 | 62 | 422 | Bank |
| 9 | Pinnacle Bank | 80 | 60 | 72 | 421 | Bank |
| 10 | PNC Bank, National Association | 80 | 71 | 61 | 418 | Bank |
| 11 | HomeTrust Bank | 80 | 80 | 67 | 330 | Bank |
| 12 | Wells Fargo Bank, National Association | 78 | 63 | 59 | 2,164 | Bank |
| 13 | JPMorgan Chase Bank, National Association | 78 | 49 | 70 | 2,074 | Bank |
| 14 | First National Bank of Pennsylvania | 78 | 60 | 71 | 1,549 | Bank |
| 15 | Ameris Bank | 78 | 42 | 82 | 549 | Bank |
| 16 | NBKC BANK | 78 | 91 | 59 | 434 | Bank |
| 17 | The Fidelity Bank | 73 | 51 | 62 | 331 | Bank |
| 18 | Uwharrie Bank | 73 | 54 | 65 | 330 | Bank |
| 19 | Regions Bank | 73 | 41 | 64 | 316 | Bank |
| 20 | SouthState Bank, National Association | 73 | 49 | 73 | 297 | Bank |
| 21 | Towne Bank | 68 | 37 | 80 | 904 | Bank |
| 22 | USAA Federal Savings Bank | 66 | 54 | 45 | 739 | Bank |
| 23 | TD Bank, National Association | 66 | 47 | 57 | 359 | Bank |
| 24 | CORNERSTONE CAPITAL BANK, SSB | 63 | 23 | 79 | 772 | Bank |
| 25 | Flagstar Bank, N.A. | 63 | 40 | 76 | 452 | Bank |
| 26 | SOFI BANK, NATIONAL ASSOCIATION | 63 | 75 | 36 | 334 | Bank |
| 27 | United Community Bank | 58 | 37 | 53 | 620 | Bank |
| 28 | The Federal Savings Bank | 46 | 16 | 49 | 366 | Bank |

## 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.