# Best Jumbo Mortgage Lenders in North Carolina

**As of:** 2026-05-20

Compare the top Jumbo mortgage lenders in North Carolina. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/north-carolina/best-mortgage-lenders/jumbo-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 | STATE EMPLOYEES' | 95 | 80 | 71 | 9,247 | Credit Union |
| 2 | Wells Fargo Bank, National Association | 95 | 87 | 63 | 2,164 | Bank |
| 3 | Truist Bank | 89 | 76 | 71 | 2,669 | Bank |
| 4 | GUARANTEED RATE, INC. | 89 | 64 | 62 | 2,007 | Independent Mortgage Company |
| 5 | First-Citizens Bank & Trust Company | 89 | 73 | 75 | 1,922 | Bank |
| 6 | Bank of America, National Association | 89 | 90 | 80 | 1,494 | Bank |
| 7 | U.S. Bank National Association | 89 | 88 | 76 | 604 | Bank |
| 8 | NAVY FEDERAL CREDIT UNION | 88 | 95 | 51 | 2,526 | Credit Union |
| 9 | Fifth Third Bank, National Association | 85 | 74 | 70 | 579 | Bank |
| 10 | North State Bank | 85 | 80 | 71 | 453 | Bank |
| 11 | ROCKET MORTGAGE, LLC | 83 | 50 | 67 | 11,593 | Independent Mortgage Company |
| 12 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 55 | 74 | 7,350 | Independent Mortgage Company |
| 13 | MOVEMENT MORTGAGE, LLC | 83 | 41 | 68 | 6,974 | Independent Mortgage Company |
| 14 | JPMorgan Chase Bank, National Association | 83 | 49 | 64 | 2,074 | Bank |
| 15 | First National Bank of Pennsylvania | 83 | 58 | 76 | 1,549 | Bank |
| 16 | First Bank | 83 | 83 | 58 | 591 | Bank |
| 17 | COASTAL Federal Credit Union | 83 | 41 | 87 | 579 | Credit Union |
| 18 | Truliant Federal Credit Union | 80 | 64 | 72 | 532 | Credit Union |
| 19 | American Security Mortgage Corp. | 79 | 57 | 65 | 2,629 | Independent Mortgage Company |
| 20 | PENNYMAC LOAN SERVICES, LLC | 79 | 55 | 66 | 1,508 | Independent Mortgage Company |
| 21 | CMG MORTGAGE, INC. | 79 | 40 | 66 | 1,052 | Independent Mortgage Company |
| 22 | PNC Bank, National Association | 79 | 53 | 68 | 418 | Bank |
| 23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 79 | 45 | 66 | 394 | Independent Mortgage Company |
| 24 | TD Bank, National Association | 79 | 51 | 72 | 359 | Bank |
| 25 | Regions Bank | 79 | 48 | 68 | 316 | Bank |
| 26 | LOANDEPOT.COM, LLC | 77 | 52 | 59 | 2,722 | Independent Mortgage Company |
| 27 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 75 | 34 | 71 | 4,640 | Independent Mortgage Company |
| 28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 30 | 63 | 2,765 | Independent Mortgage Company |
| 29 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 40 | 70 | 2,671 | Independent Mortgage Company |
| 30 | Southern Bank and Trust Company | 74 | 60 | 62 | 422 | Bank |
| 31 | CORPORATE INVESTORS MORTGAGE GROUP, INC | 74 | 42 | 78 | 375 | Independent Mortgage Company |
| 32 | GUILD MORTGAGE COMPANY LLC | 71 | 32 | 66 | 1,255 | Independent Mortgage Company |
| 33 | Prosperity Home Mortgage, LLC | 71 | 35 | 62 | 1,034 | Independent Mortgage Company |
| 34 | Towne Bank | 71 | 21 | 68 | 904 | Bank |
| 35 | Ameris Bank | 71 | 34 | 66 | 549 | Bank |
| 36 | SouthState Bank, National Association | 71 | 38 | 67 | 297 | Bank |
| 37 | Alcova Mortgage LLC | 70 | 32 | 90 | 1,014 | Independent Mortgage Company |
| 38 | Uwharrie Bank | 69 | 54 | 65 | 330 | Bank |
| 39 | Integrity Home Mortgage Corporation | 67 | 22 | 63 | 530 | Independent Mortgage Company |
| 40 | First Heritage Mortgage, LLC | 67 | 37 | 63 | 385 | Independent Mortgage Company |
| 41 | UNION HOME MORTGAGE CORP. | 66 | 31 | 58 | 1,664 | Independent Mortgage Company |
| 42 | NEWREZ LLC | 66 | 23 | 55 | 1,149 | Independent Mortgage Company |
| 43 | LOWER, LLC | 66 | 27 | 56 | 436 | Independent Mortgage Company |
| 44 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 63 | 29 | 55 | 975 | Independent Mortgage Company |
| 45 | Primis Mortgage Company | 63 | 35 | 45 | 679 | Independent Mortgage Company |
| 46 | MUTUAL OF OMAHA MORTGAGE, INC. | 63 | 74 | 30 | 541 | Independent Mortgage Company |
| 47 | T2 FINANCIAL LLC | 63 | 29 | 57 | 474 | Independent Mortgage Company |
| 48 | The Federal Savings Bank | 63 | 31 | 41 | 366 | Bank |
| 49 | NFM, INC. | 60 | 20 | 69 | 825 | Independent Mortgage Company |
| 50 | Pinnacle Bank | 57 | 6 | 71 | 421 | 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.