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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 Conventional Mortgage Bank Lenders in North Carolina
Updated February 6, 2026
Market Overview
28
Total Lenders
146,863
Total Loans
0.30%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | First Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,277 | +0.069% | 591 | |
2 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $608 | +0.075% | 2,669 | |
3 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,349 | +0.072% | 1,549 | |
4 | HomeTrust Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,168 | +0.032% | 330 | |
5 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,877 | +0.062% | 2,164 | |
6 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,682 | -0.152% | 1,494 | |
7 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $834 | +0.030% | 604 | |
8 | North State Bank | Exceptional | Exceptional | Sound | Strong | Strong | $1,047 | +0.002% | 453 | |
9 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $590 | -0.215% | 434 | |
10 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $193 | +0.084% | 418 | |
11 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,815 | +0.063% | 2,074 | |
12 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $197 | +0.059% | 579 | |
13 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,982 | +0.195% | 549 | |
14 | SouthState Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,219 | +0.189% | 297 | |
15 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Exceptional | $1,445 | -0.037% | 1,922 | |
16 | Southern Bank and Trust Company | Strong | Sound | Strong | Strong | Strong | $1,839 | +0.028% | 422 | |
17 | Pinnacle Bank | Strong | Sound | Strong | Strong | Strong | $1,976 | +0.144% | 421 | |
18 | SOFI BANK, NATIONAL ASSOCIATION | Strong | Strong | Strong | Acceptable | Strong | $580 | +0.159% | 334 | |
19 | United Community Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,495 | +0.370% | 620 | |
20 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,409 | +0.291% | 452 | |
21 | TD Bank, National Association | Strong | Sound | Strong | Sound | Strong | $812 | +0.239% | 359 | |
22 | The Fidelity Bank | Strong | Sound | Sound | Strong | Strong | $1,715 | +0.321% | 331 | |
23 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,922 | +0.199% | 316 | |
24 | Towne Bank | Strong | Acceptable | Strong | Strong | Strong | $3,358 | +0.304% | 904 | |
25 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $2,003 | -0.151% | 739 | |
26 | Uwharrie Bank | Strong | Sound | Sound | Sound | Strong | $1,506 | +0.253% | 330 | |
27 | CORNERSTONE CAPITAL BANK, SSB | Strong | Mediocre | Exceptional | Strong | Strong | $3,671 | +0.304% | 772 | |
28 | The Federal Savings Bank | Sound | Mediocre | Strong | Sound | Strong | $4,026 | +0.752% | 366 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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