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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 Lenders in North Carolina
Updated February 6, 2026
Market Overview
410
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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $706 | -0.541% | 2,526 | |
2 | First Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,277 | +0.069% | 591 | |
3 | STATE EMPLOYEES' | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,200 | -0.738% | 9,247 | |
4 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $608 | +0.075% | 2,669 | |
5 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,349 | +0.072% | 1,549 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $733 | -0.093% | 545 | |
7 | HomeTrust Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,168 | +0.032% | 330 | |
8 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Exceptional | $1,873 | +0.113% | 2,629 | |
9 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,877 | +0.062% | 2,164 | |
10 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,682 | -0.152% | 1,494 | |
11 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $834 | +0.030% | 604 | |
12 | North State Bank | Exceptional | Exceptional | Sound | Strong | Strong | $1,047 | +0.002% | 453 | |
13 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $590 | -0.215% | 434 | |
14 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $193 | +0.084% | 418 | |
15 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,642 | -0.102% | 2,722 | |
16 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,815 | +0.063% | 2,074 | |
17 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $197 | +0.059% | 579 | |
18 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,293 | +0.225% | 385 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,832 | +0.311% | 11,593 | |
20 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,389 | +0.004% | 7,350 | |
21 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,434 | +0.390% | 4,640 | |
22 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,702 | +0.322% | 1,014 | |
23 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,929 | +0.113% | 777 | |
24 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,982 | +0.195% | 549 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,263 | +0.075% | 541 | |
26 | Truliant Federal Credit Union | Strong | Strong | Strong | Sound | Strong | $888 | +0.349% | 532 | |
27 | VELOCIO MORTGAGE L.L.C. | Strong | Strong | Strong | Sound | Strong | $466 | -0.871% | 441 | |
28 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,040 | +0.346% | 399 | |
29 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,480 | +0.251% | 358 | |
30 | FOUNDERS FEDERAL CREDIT UNION | Strong | Strong | Strong | Sound | Strong | $1,205 | -0.530% | 333 | |
31 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $2,945 | +0.113% | 313 | |
32 | SouthState Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,219 | +0.189% | 297 | |
33 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,384 | +0.302% | 6,974 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,054 | +0.456% | 2,765 | |
35 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,604 | +0.487% | 2,671 | |
36 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $1,744 | +0.008% | 2,212 | |
37 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,453 | +0.207% | 2,007 | |
38 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Exceptional | $1,445 | -0.037% | 1,922 | |
39 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,086 | +0.443% | 1,664 | |
40 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,510 | -0.182% | 1,508 | |
41 | COASTAL Federal Credit Union | Strong | Sound | Strong | Sound | Exceptional | $2,002 | +0.207% | 579 | |
42 | MATTAMY HOME FUNDING, LLC | Strong | Sound | Strong | Strong | Strong | $1,312 | +0.569% | 533 | |
43 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $1,577 | +0.311% | 507 | |
44 | Southern Bank and Trust Company | Strong | Sound | Strong | Strong | Strong | $1,839 | +0.028% | 422 | |
45 | Pinnacle Bank | Strong | Sound | Strong | Strong | Strong | $1,976 | +0.144% | 421 | |
46 | CORPORATE INVESTORS MORTGAGE GROUP, INC | Strong | Sound | Strong | Strong | Strong | $2,770 | +0.145% | 375 | |
47 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Strong | $1,928 | +0.231% | 375 | |
48 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $2,465 | -0.372% | 301 | |
49 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,732 | +0.338% | 1,255 | |
50 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,037 | +0.173% | 1,052 |
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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