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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 Company Lenders in North Carolina
Updated February 6, 2026
Market Overview
50
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 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $733 | -0.093% | 545 | |
2 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Exceptional | $1,873 | +0.113% | 2,629 | |
3 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,642 | -0.102% | 2,722 | |
4 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,293 | +0.225% | 385 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,832 | +0.311% | 11,593 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,389 | +0.004% | 7,350 | |
7 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,434 | +0.390% | 4,640 | |
8 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,702 | +0.322% | 1,014 | |
9 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,929 | +0.113% | 777 | |
10 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,263 | +0.075% | 541 | |
11 | VELOCIO MORTGAGE L.L.C. | Strong | Strong | Strong | Sound | Strong | $466 | -0.871% | 441 | |
12 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,040 | +0.346% | 399 | |
13 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,480 | +0.251% | 358 | |
14 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $2,945 | +0.113% | 313 | |
15 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,384 | +0.302% | 6,974 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,054 | +0.456% | 2,765 | |
17 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,604 | +0.487% | 2,671 | |
18 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $1,744 | +0.008% | 2,212 | |
19 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,453 | +0.207% | 2,007 | |
20 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,086 | +0.443% | 1,664 | |
21 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,510 | -0.182% | 1,508 | |
22 | MATTAMY HOME FUNDING, LLC | Strong | Sound | Strong | Strong | Strong | $1,312 | +0.569% | 533 | |
23 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $1,577 | +0.311% | 507 | |
24 | CORPORATE INVESTORS MORTGAGE GROUP, INC | Strong | Sound | Strong | Strong | Strong | $2,770 | +0.145% | 375 | |
25 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Strong | $1,928 | +0.231% | 375 | |
26 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $2,465 | -0.372% | 301 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,732 | +0.338% | 1,255 | |
28 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,037 | +0.173% | 1,052 | |
29 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,299 | +0.277% | 1,034 | |
30 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $3,220 | +0.272% | 975 | |
31 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,990 | +0.429% | 851 | |
32 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,188 | +0.253% | 744 | |
33 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $2,683 | +0.328% | 476 | |
34 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,219 | +0.484% | 474 | |
35 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,525 | +0.404% | 436 | |
36 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,932 | +0.131% | 394 | |
37 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,364 | +0.287% | 371 | |
38 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,531 | +0.470% | 339 | |
39 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $1,929 | +0.617% | 3,470 | |
40 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,850 | +0.291% | 1,149 | |
41 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,216 | +0.587% | 931 | |
42 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,908 | +0.008% | 690 | |
43 | GoPrime Mortgage, Inc. | Strong | Acceptable | Strong | Strong | Strong | $2,351 | +0.142% | 650 | |
44 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Strong | $2,661 | +0.405% | 530 | |
45 | SOUTHERN TRUST MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,676 | +0.266% | 446 | |
46 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,219 | +0.412% | 405 | |
47 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $2,295 | +0.525% | 364 | |
48 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,644 | +0.343% | 908 | |
49 | Primis Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,700 | +0.284% | 679 | |
50 | Towne Mortgage of the Carolinas, LLC | Strong | Acceptable | Sound | 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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