🛡️
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 Mortgage Company Lenders in North Carolina
Updated February 6, 2026
Market Overview
50
Total Lenders
103,546
Total Loans
0.38%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Strong | $466 | -0.871% | 441 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $733 | -0.093% | 545 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,389 | +0.004% | 7,350 | |
4 | MATTAMY HOME FUNDING, LLC | Strong | Strong | Strong | Strong | $1,312 | +0.569% | 533 | |
5 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $2,465 | -0.372% | 301 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,642 | -0.102% | 2,722 | |
7 | American Security Mortgage Corp. | Strong | Sound | Strong | Exceptional | $1,873 | +0.113% | 2,629 | |
8 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $1,744 | +0.008% | 2,212 | |
9 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,453 | +0.207% | 2,007 | |
10 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $3,929 | +0.113% | 777 | |
11 | GoPrime Mortgage, Inc. | Strong | Sound | Exceptional | Strong | $2,351 | +0.142% | 650 | |
12 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $1,577 | +0.311% | 507 | |
13 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Strong | $2,293 | +0.225% | 385 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,832 | +0.311% | 11,593 | |
15 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,384 | +0.302% | 6,974 | |
16 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $3,434 | +0.390% | 4,640 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,054 | +0.456% | 2,765 | |
18 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $3,086 | +0.443% | 1,664 | |
19 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,510 | -0.182% | 1,508 | |
20 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | $2,702 | +0.322% | 1,014 | |
21 | CORPORATE INVESTORS MORTGAGE GROUP, INC | Strong | Sound | Strong | Strong | $2,770 | +0.145% | 375 | |
22 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | $1,928 | +0.231% | 375 | |
23 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $2,295 | +0.525% | 364 | |
24 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $2,945 | +0.113% | 313 | |
25 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,929 | +0.617% | 3,470 | |
26 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,604 | +0.487% | 2,671 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,732 | +0.338% | 1,255 | |
28 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,037 | +0.173% | 1,052 | |
29 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $3,761 | +0.368% | 825 | |
30 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,263 | +0.075% | 541 | |
31 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | $2,661 | +0.405% | 530 | |
32 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $2,683 | +0.328% | 476 | |
33 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $3,219 | +0.484% | 474 | |
34 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | $3,040 | +0.346% | 399 | |
35 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,932 | +0.131% | 394 | |
36 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,299 | +0.277% | 1,034 | |
37 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $2,644 | +0.343% | 908 | |
38 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $2,990 | +0.429% | 851 | |
39 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Strong | $2,188 | +0.253% | 744 | |
40 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | $4,908 | +0.008% | 690 | |
41 | Primis Mortgage Company | Strong | Acceptable | Strong | Strong | $2,700 | +0.284% | 679 | |
42 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $2,525 | +0.404% | 436 | |
43 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,364 | +0.287% | 371 | |
44 | Towne Mortgage of the Carolinas, LLC | Strong | Acceptable | Strong | Strong | $3,076 | +0.237% | 368 | |
45 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,480 | +0.251% | 358 | |
46 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $1,850 | +0.291% | 1,149 | |
47 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,216 | +0.587% | 931 | |
48 | FIRST HOME MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $3,219 | +0.412% | 405 | |
49 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Strong | $4,174 | +0.449% | 373 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
North Carolina
No credit impact
3-minute process
100% free