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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 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 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $466 | -0.871% | 441 | |
2 | JET HOMELOANS, LP | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,465 | -0.372% | 301 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,744 | +0.008% | 2,212 | |
4 | MATTAMY HOME FUNDING, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $1,312 | +0.569% | 533 | |
5 | First Heritage Mortgage, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,293 | +0.225% | 385 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,389 | +0.004% | 7,350 | |
7 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Exceptional | $1,873 | +0.113% | 2,629 | |
8 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,299 | +0.277% | 1,034 | |
9 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,642 | -0.102% | 2,722 | |
10 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,510 | -0.182% | 1,508 | |
11 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,929 | +0.113% | 777 | |
12 | INTERCOASTAL MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,577 | +0.311% | 507 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,832 | +0.311% | 11,593 | |
14 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,434 | +0.390% | 4,640 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,054 | +0.456% | 2,765 | |
16 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,086 | +0.443% | 1,664 | |
17 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,702 | +0.322% | 1,014 | |
18 | M/I FINANCIAL, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,908 | +0.008% | 690 | |
19 | CORPORATE INVESTORS MORTGAGE GROUP, INC | Strong | Strong | Sound | Strong | Strong | $2,770 | +0.145% | 375 | |
20 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,364 | +0.287% | 371 | |
21 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $2,295 | +0.525% | 364 | |
22 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,384 | +0.302% | 6,974 | |
23 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,453 | +0.207% | 2,007 | |
24 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $1,850 | +0.291% | 1,149 | |
25 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,761 | +0.368% | 825 | |
26 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $2,188 | +0.253% | 744 | |
27 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,700 | +0.284% | 679 | |
28 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,219 | +0.484% | 474 | |
29 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,040 | +0.346% | 399 | |
30 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,932 | +0.131% | 394 | |
31 | Towne Mortgage of the Carolinas, LLC | Strong | Sound | Strong | Strong | Strong | $3,076 | +0.237% | 368 | |
32 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,929 | +0.617% | 3,470 | |
33 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,732 | +0.338% | 1,255 | |
34 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,037 | +0.173% | 1,052 | |
35 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,644 | +0.343% | 908 | |
36 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Strong | $2,661 | +0.405% | 530 | |
37 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $2,683 | +0.328% | 476 | |
38 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,525 | +0.404% | 436 | |
39 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,480 | +0.251% | 358 | |
40 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,945 | +0.113% | 313 | |
41 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,604 | +0.487% | 2,671 | |
42 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,220 | +0.272% | 975 | |
43 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $2,263 | +0.075% | 541 | |
44 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,219 | +0.412% | 405 | |
45 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Strong | $3,512 | +0.621% | 382 | |
46 | EQUITY RESOURCES, INC. | Strong | Acceptable | Strong | Strong | Strong | $1,928 | +0.231% | 375 | |
47 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,174 | +0.449% | 373 | |
48 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,990 | +0.429% | 851 | |
49 | GoPrime Mortgage, Inc. | Strong | Acceptable | Strong | Sound | Strong | $2,351 | +0.142% | 650 |
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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