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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 FHA 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 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $466 | -0.871% | 441 | |
2 | First National Bank of Pennsylvania | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,349 | +0.072% | 1,549 | |
3 | JET HOMELOANS, LP | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,465 | -0.372% | 301 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,744 | +0.008% | 2,212 | |
5 | First-Citizens Bank & Trust Company | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,445 | -0.037% | 1,922 | |
6 | MATTAMY HOME FUNDING, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $1,312 | +0.569% | 533 | |
7 | North State Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,047 | +0.002% | 453 | |
8 | First Heritage Mortgage, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,293 | +0.225% | 385 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,389 | +0.004% | 7,350 | |
10 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Exceptional | $1,873 | +0.113% | 2,629 | |
11 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,299 | +0.277% | 1,034 | |
12 | First Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,277 | +0.069% | 591 | |
13 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $590 | -0.215% | 434 | |
14 | SOFI BANK, NATIONAL ASSOCIATION | Exceptional | Exceptional | Strong | Sound | Strong | $580 | +0.159% | 334 | |
15 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,642 | -0.102% | 2,722 | |
16 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | $608 | +0.075% | 2,669 | |
17 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,510 | -0.182% | 1,508 | |
18 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,358 | +0.304% | 904 | |
19 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,929 | +0.113% | 777 | |
20 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $834 | +0.030% | 604 | |
21 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $197 | +0.059% | 579 | |
22 | INTERCOASTAL MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,577 | +0.311% | 507 | |
23 | Pinnacle Bank | Exceptional | Strong | Strong | Strong | Strong | $1,976 | +0.144% | 421 | |
24 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Strong | $2,219 | +0.189% | 297 | |
25 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,832 | +0.311% | 11,593 | |
26 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,434 | +0.390% | 4,640 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,054 | +0.456% | 2,765 | |
28 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,086 | +0.443% | 1,664 | |
29 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,702 | +0.322% | 1,014 | |
30 | M/I FINANCIAL, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,908 | +0.008% | 690 | |
31 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,982 | +0.195% | 549 | |
32 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,409 | +0.291% | 452 | |
33 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | $193 | +0.084% | 418 | |
34 | CORPORATE INVESTORS MORTGAGE GROUP, INC | Strong | Strong | Sound | Strong | Strong | $2,770 | +0.145% | 375 | |
35 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,364 | +0.287% | 371 | |
36 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $2,295 | +0.525% | 364 | |
37 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,384 | +0.302% | 6,974 | |
38 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,877 | +0.062% | 2,164 | |
39 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,815 | +0.063% | 2,074 | |
40 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,453 | +0.207% | 2,007 | |
41 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $1,850 | +0.291% | 1,149 | |
42 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,761 | +0.368% | 825 | |
43 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,671 | +0.304% | 772 | |
44 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $2,188 | +0.253% | 744 | |
45 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,700 | +0.284% | 679 | |
46 | United Community Bank | Strong | Sound | Strong | Strong | Strong | $2,495 | +0.370% | 620 | |
47 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,219 | +0.484% | 474 | |
48 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,040 | +0.346% | 399 | |
49 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,932 | +0.131% | 394 | |
50 | Towne Mortgage of the Carolinas, LLC | Strong | Sound | Strong | Strong | Strong | $3,076 | +0.237% | 368 |
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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