# Best USDA Mortgage Lenders in North Carolina

**As of:** 2026-05-20

Compare the top USDA mortgage lenders in North Carolina. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/north-carolina/best-mortgage-lenders/usda-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 410
- **Total Loans:** 146,863
- **Median Rate Spread:** 0.3044217171717172%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | VELOCIO MORTGAGE L.L.C. | 95 | 96 | 87 | 441 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 89 | 62 | 75 | 7,350 | Independent Mortgage Company |
| 3 | GoPrime Mortgage, Inc. | 89 | 81 | 76 | 650 | Independent Mortgage Company |
| 4 | Truist Bank | 88 | 88 | 53 | 2,669 | Bank |
| 5 | Alcova Mortgage LLC | 88 | 49 | 84 | 1,014 | Independent Mortgage Company |
| 6 | First-Citizens Bank & Trust Company | 85 | 60 | 69 | 1,922 | Bank |
| 7 | GUILD MORTGAGE COMPANY LLC | 85 | 71 | 78 | 1,255 | Independent Mortgage Company |
| 8 | NEWREZ LLC | 85 | 65 | 69 | 1,149 | Independent Mortgage Company |
| 9 | Prosperity Home Mortgage, LLC | 85 | 63 | 75 | 1,034 | Independent Mortgage Company |
| 10 | First Bank | 83 | 83 | 73 | 591 | Bank |
| 11 | United Community Bank | 80 | 78 | 60 | 620 | Bank |
| 12 | American Security Mortgage Corp. | 79 | 59 | 65 | 2,629 | Independent Mortgage Company |
| 13 | CMG MORTGAGE, INC. | 79 | 48 | 72 | 1,052 | Independent Mortgage Company |
| 14 | VANDERBILT MORTGAGE AND FINANCE, INC. | 79 | 47 | 61 | 777 | Independent Mortgage Company |
| 15 | North State Bank | 79 | 80 | 71 | 453 | Bank |
| 16 | EQUITY RESOURCES, INC. | 79 | 59 | 71 | 375 | Independent Mortgage Company |
| 17 | PLAZA HOME MORTGAGE, INC. | 79 | 43 | 60 | 358 | Independent Mortgage Company |
| 18 | GUARANTEED RATE, INC. | 75 | 34 | 67 | 2,007 | Independent Mortgage Company |
| 19 | Towne Bank | 75 | 37 | 81 | 904 | Bank |
| 20 | FIRST HOME MORTGAGE CORPORATION | 75 | 26 | 81 | 405 | Independent Mortgage Company |
| 21 | HomeTrust Bank | 74 | 80 | 67 | 330 | Bank |
| 22 | Flagstar Bank, N.A. | 73 | 41 | 58 | 452 | Bank |
| 23 | INSPIRE HOME LOANS INC. | 73 | 43 | 49 | 364 | Independent Mortgage Company |
| 24 | CORNERSTONE CAPITAL BANK, SSB | 71 | 25 | 63 | 772 | Bank |
| 25 | T2 FINANCIAL LLC | 71 | 33 | 74 | 474 | Independent Mortgage Company |
| 26 | LOWER, LLC | 71 | 36 | 69 | 436 | Independent Mortgage Company |
| 27 | Mortgage Research Center, LLC | 70 | 34 | 47 | 3,470 | Independent Mortgage Company |
| 28 | LOANDEPOT.COM, LLC | 70 | 31 | 59 | 2,722 | Independent Mortgage Company |
| 29 | Uwharrie Bank | 69 | 54 | 65 | 330 | Bank |
| 30 | Primis Mortgage Company | 67 | 32 | 72 | 679 | Independent Mortgage Company |
| 31 | MOVEMENT MORTGAGE, LLC | 63 | 8 | 70 | 6,974 | Independent Mortgage Company |
| 32 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 63 | 17 | 79 | 4,640 | Independent Mortgage Company |
| 33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 63 | 17 | 73 | 2,765 | Independent Mortgage Company |
| 34 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 7 | 70 | 2,671 | Independent Mortgage Company |
| 35 | UNION HOME MORTGAGE CORP. | 63 | 15 | 68 | 1,664 | Independent Mortgage Company |
| 36 | NFM, INC. | 63 | 23 | 55 | 825 | Independent Mortgage Company |
| 37 | HOWARD HANNA FINANCIAL SERVICES, INC. | 63 | 38 | 57 | 744 | Independent Mortgage Company |
| 38 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 60 | 13 | 74 | 975 | Independent Mortgage Company |
| 39 | NEW AMERICAN FUNDING, LLC | 60 | 5 | 62 | 931 | Independent Mortgage Company |
| 40 | Integrity Home Mortgage Corporation | 60 | 18 | 75 | 530 | Independent Mortgage Company |
| 41 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 60 | 2 | 65 | 339 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within North Carolina.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.