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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 VA Mortgage Company Lenders in North Carolina

Updated February 6, 2026

Market Overview

Total Lenders

146,863

Total Loans

0.30%

Median Rate Spread

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

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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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