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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 Jumbo 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 | STATE EMPLOYEES' | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $2,200 | -0.738% | 9,247 | |
2 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,877 | +0.062% | 2,164 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $706 | -0.541% | 2,526 | |
4 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,682 | -0.152% | 1,494 | |
5 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $834 | +0.030% | 604 | |
6 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $608 | +0.075% | 2,669 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,453 | +0.207% | 2,007 | |
8 | First-Citizens Bank & Trust Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,445 | -0.037% | 1,922 | |
9 | First Bank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,277 | +0.069% | 591 | |
10 | North State Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,047 | +0.002% | 453 | |
11 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $197 | +0.059% | 579 | |
12 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,832 | +0.311% | 11,593 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,389 | +0.004% | 7,350 | |
14 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,384 | +0.302% | 6,974 | |
15 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,815 | +0.063% | 2,074 | |
16 | First National Bank of Pennsylvania | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,349 | +0.072% | 1,549 | |
17 | COASTAL Federal Credit Union | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,002 | +0.207% | 579 | |
18 | Truliant Federal Credit Union | Exceptional | Strong | Strong | Strong | Strong | $888 | +0.349% | 532 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,642 | -0.102% | 2,722 | |
20 | American Security Mortgage Corp. | Strong | Sound | Strong | Strong | Exceptional | $1,873 | +0.113% | 2,629 | |
21 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,510 | -0.182% | 1,508 | |
22 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,037 | +0.173% | 1,052 | |
23 | Southern Bank and Trust Company | Strong | Strong | Sound | Strong | Strong | $1,839 | +0.028% | 422 | |
24 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $193 | +0.084% | 418 | |
25 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Sound | Exceptional | Strong | Strong | $2,932 | +0.131% | 394 | |
26 | TD Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $812 | +0.239% | 359 | |
27 | Regions Bank | Strong | Sound | Exceptional | Strong | Strong | $1,922 | +0.199% | 316 | |
28 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,434 | +0.390% | 4,640 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,054 | +0.456% | 2,765 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,604 | +0.487% | 2,671 | |
31 | CORPORATE INVESTORS MORTGAGE GROUP, INC | Strong | Sound | Strong | Strong | Strong | $2,770 | +0.145% | 375 | |
32 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,732 | +0.338% | 1,255 | |
33 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,299 | +0.277% | 1,034 | |
34 | Alcova Mortgage LLC | Strong | Acceptable | Sound | Exceptional | Exceptional | $2,702 | +0.322% | 1,014 | |
35 | Towne Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,358 | +0.304% | 904 | |
36 | Ameris Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,982 | +0.195% | 549 | |
37 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Sound | Acceptable | Strong | $2,263 | +0.075% | 541 | |
38 | Uwharrie Bank | Strong | Sound | — | Strong | Strong | $1,506 | +0.253% | 330 | |
39 | SouthState Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $2,219 | +0.189% | 297 | |
40 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Strong | Sound | Exceptional | $3,086 | +0.443% | 1,664 | |
41 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,850 | +0.291% | 1,149 | |
42 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Strong | $2,661 | +0.405% | 530 | |
43 | LOWER, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,525 | +0.404% | 436 | |
44 | First Heritage Mortgage, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,293 | +0.225% | 385 | |
45 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Strong | Sound | Strong | $3,220 | +0.272% | 975 | |
46 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,761 | +0.368% | 825 | |
47 | Primis Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,700 | +0.284% | 679 | |
48 | T2 FINANCIAL LLC | Strong | Acceptable | Strong | Sound | Strong | $3,219 | +0.484% | 474 | |
49 | The Federal Savings Bank | Strong | Acceptable | Strong | Sound | Strong | $4,026 | +0.752% | 366 | |
50 | Pinnacle Bank | Sound | Mediocre | Strong | Strong | Strong | $1,976 | +0.144% | 421 |
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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