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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 USDA Mortgage Lenders in North Carolina
Updated February 6, 2026
Market Overview
410
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 | Truist Bank | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $608 | +0.075% | 2,669 | |
3 | GoPrime Mortgage, Inc. | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,351 | +0.142% | 650 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,389 | +0.004% | 7,350 | |
5 | First Bank | Exceptional | Exceptional | — | Strong | Exceptional | $1,277 | +0.069% | 591 | |
6 | First-Citizens Bank & Trust Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,445 | -0.037% | 1,922 | |
7 | GUILD MORTGAGE COMPANY LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,732 | +0.338% | 1,255 | |
8 | NEWREZ LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,850 | +0.291% | 1,149 | |
9 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,299 | +0.277% | 1,034 | |
10 | Alcova Mortgage LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,702 | +0.322% | 1,014 | |
11 | North State Bank | Exceptional | Exceptional | — | Strong | Strong | $1,047 | +0.002% | 453 | |
12 | United Community Bank | Exceptional | Strong | Strong | Strong | Strong | $2,495 | +0.370% | 620 | |
13 | American Security Mortgage Corp. | Strong | Sound | Strong | Strong | Exceptional | $1,873 | +0.113% | 2,629 | |
14 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,037 | +0.173% | 1,052 | |
15 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,929 | +0.113% | 777 | |
16 | EQUITY RESOURCES, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,928 | +0.231% | 375 | |
17 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,480 | +0.251% | 358 | |
18 | HomeTrust Bank | Strong | Strong | — | Strong | Strong | $1,168 | +0.032% | 330 | |
19 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,453 | +0.207% | 2,007 | |
20 | Towne Bank | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,358 | +0.304% | 904 | |
21 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Sound | Strong | $2,409 | +0.291% | 452 | |
22 | FIRST HOME MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,219 | +0.412% | 405 | |
23 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Sound | Strong | $2,295 | +0.525% | 364 | |
24 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,929 | +0.617% | 3,470 | |
25 | LOANDEPOT.COM, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,642 | -0.102% | 2,722 | |
26 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Strong | Strong | $3,671 | +0.304% | 772 | |
27 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,219 | +0.484% | 474 | |
28 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,525 | +0.404% | 436 | |
29 | Uwharrie Bank | Strong | Sound | — | Strong | Strong | $1,506 | +0.253% | 330 | |
30 | MOVEMENT MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,384 | +0.302% | 6,974 | |
31 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,434 | +0.390% | 4,640 | |
32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,054 | +0.456% | 2,765 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,604 | +0.487% | 2,671 | |
34 | UNION HOME MORTGAGE CORP. | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,086 | +0.443% | 1,664 | |
35 | Primis Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,700 | +0.284% | 679 | |
36 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Mediocre | Exceptional | Strong | Strong | $3,220 | +0.272% | 975 | |
37 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,216 | +0.587% | 931 | |
38 | NFM, INC. | Strong | Acceptable | Strong | Sound | Strong | $3,761 | +0.368% | 825 | |
39 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Sound | Strong | $2,188 | +0.253% | 744 | |
40 | Integrity Home Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $2,661 | +0.405% | 530 | |
41 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,531 | +0.470% | 339 |
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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