# Best FHA Mortgage Bank Lenders in North Carolina

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

Compare the top banks for FHA loans in North Carolina.

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


> **📋 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 National Bank of Pennsylvania | 89 | 81 | 66 | 1,549 | Bank |
| 2 | North State Bank | 85 | 80 | 74 | 453 | Bank |
| 3 | First-Citizens Bank & Trust Company | 83 | 95 | 57 | 1,922 | Bank |
| 4 | Towne Bank | 83 | 58 | 82 | 904 | Bank |
| 5 | Pinnacle Bank | 80 | 77 | 63 | 421 | Bank |
| 6 | SouthState Bank, National Association | 80 | 65 | 65 | 297 | Bank |
| 7 | Truist Bank | 79 | 75 | 53 | 2,669 | Bank |
| 8 | U.S. Bank National Association | 79 | 65 | 60 | 604 | Bank |
| 9 | Fifth Third Bank, National Association | 79 | 72 | 58 | 579 | Bank |
| 10 | Ameris Bank | 79 | 50 | 78 | 549 | Bank |
| 11 | Flagstar Bank, N.A. | 79 | 58 | 71 | 452 | Bank |
| 12 | NBKC BANK | 79 | 88 | 54 | 434 | Bank |
| 13 | SOFI BANK, NATIONAL ASSOCIATION | 79 | 83 | 43 | 334 | Bank |
| 14 | First Bank | 77 | 83 | 55 | 591 | Bank |
| 15 | CORNERSTONE CAPITAL BANK, SSB | 75 | 30 | 85 | 772 | Bank |
| 16 | United Community Bank | 74 | 51 | 64 | 620 | Bank |
| 17 | PNC Bank, National Association | 74 | 62 | 56 | 418 | Bank |
| 18 | Wells Fargo Bank, National Association | 73 | 57 | 42 | 2,164 | Bank |
| 19 | JPMorgan Chase Bank, National Association | 73 | 59 | 47 | 2,074 | Bank |
| 20 | Regions Bank | 73 | 60 | 59 | 316 | Bank |
| 21 | The Fidelity Bank | 69 | 49 | 62 | 331 | Bank |
| 22 | Uwharrie Bank | 69 | 64 | 57 | 330 | Bank |
| 23 | The Federal Savings Bank | 66 | 26 | 53 | 366 | Bank |
| 24 | Bank of America, National Association | 63 | 35 | 43 | 1,494 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.