Safe Rate Rankings

Best FHA Mortgage Bank Lenders in North Carolina

Updated May 27, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders410

Total Loans146,863

Median Rate Spread0.30%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	First National Bank of PennsylvaniaBank	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,349Fees	0.072%Above	1,549
2	First-Citizens Bank & Trust CompanyBank	Exceptional	Exceptional	Strong	Sound	Exceptional	$1,445Fees	0.037%Below	1,922
3	North State BankBank	Exceptional	Exceptional	Strong	Strong	Strong	$1,047Fees	0.002%Above	453
4	First BankBank	Exceptional	Exceptional	Sound	Sound	Exceptional	$1,277Fees	0.069%Above	591
5	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Strong	$590Fees	0.215%Below	434
6	SOFI BANK, NATIONAL ASSOCIATIONBank	Exceptional	Exceptional	Strong	Sound	Strong	$580Fees	0.159%Above	334
7	Truist BankBank	Exceptional	Strong	Strong	Sound	Exceptional	$608Fees	0.075%Above	2,669
8	Towne BankBank	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,358Fees	0.304%Above	904
9	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$834Fees	0.030%Above	604
10	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$197Fees	0.059%Above	579
11	Pinnacle BankBank	Exceptional	Strong	Strong	Strong	Strong	$1,976Fees	0.144%Above	421
12	SouthState Bank, National AssociationBank	Exceptional	Strong	Strong	Strong	Strong	$2,219Fees	0.189%Above	297
13	Ameris BankBank	Strong	Sound	Exceptional	Strong	Strong	$2,982Fees	0.195%Above	549
14	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Strong	$2,409Fees	0.291%Above	452
15	PNC Bank, National AssociationBank	Strong	Strong	Strong	Sound	Strong	$193Fees	0.084%Above	418
16	Wells Fargo Bank, National AssociationBank	Strong	Sound	Strong	Sound	Exceptional	$1,877Fees	0.062%Above	2,164
17	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	Exceptional	$1,815Fees	0.063%Above	2,074
18	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,671Fees	0.304%Above	772
19	United Community BankBank	Strong	Sound	Strong	Strong	Strong	$2,495Fees	0.370%Above	620
20	Uwharrie BankBank	Strong	Strong	Sound	Sound	Strong	$1,506Fees	0.253%Above	330
21	Regions BankBank	Strong	Sound	Exceptional	Sound	Strong	$1,922Fees	0.199%Above	316
22	The Fidelity BankBank	Strong	Sound	Sound	Strong	Strong	$1,715Fees	0.321%Above	331
23	The Federal Savings BankBank	Strong	Acceptable	Exceptional	Sound	Strong	$4,026Fees	0.752%Above	366
24	Bank of America, National AssociationBank	Strong	Acceptable	Strong	Sound	Strong	$1,682Fees	0.152%Below	1,494

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.