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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 VA 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 | 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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $706 | -0.541% | 2,526 | |
5 | North State Bank | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,047 | +0.002% | 453 | |
6 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Strong | $590 | -0.215% | 434 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,744 | +0.008% | 2,212 | |
8 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,453 | +0.207% | 2,007 | |
9 | First-Citizens Bank & Trust Company | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,445 | -0.037% | 1,922 | |
10 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,929 | +0.113% | 777 | |
11 | CORNERSTONE CAPITAL BANK, SSB | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,671 | +0.304% | 772 | |
12 | GoPrime Mortgage, Inc. | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,351 | +0.142% | 650 | |
13 | First Bank | Exceptional | Exceptional | Sound | Strong | Exceptional | $1,277 | +0.069% | 591 | |
14 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Strong | Strong | $197 | +0.059% | 579 | |
15 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,982 | +0.195% | 549 | |
16 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,384 | +0.302% | 6,974 | |
17 | American Security Mortgage Corp. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,873 | +0.113% | 2,629 | |
18 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,815 | +0.063% | 2,074 | |
19 | First National Bank of Pennsylvania | Exceptional | Strong | Strong | Strong | Exceptional | $1,349 | +0.072% | 1,549 | |
20 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,510 | -0.182% | 1,508 | |
21 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,299 | +0.277% | 1,034 | |
22 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $834 | +0.030% | 604 | |
23 | MATTAMY HOME FUNDING, LLC | Exceptional | Strong | Strong | Exceptional | Strong | $1,312 | +0.569% | 533 | |
24 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,295 | +0.525% | 364 | |
25 | SOFI BANK, NATIONAL ASSOCIATION | Exceptional | Exceptional | Strong | Sound | Strong | $580 | +0.159% | 334 | |
26 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,642 | -0.102% | 2,722 | |
27 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | $608 | +0.075% | 2,669 | |
28 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,037 | +0.173% | 1,052 | |
29 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,358 | +0.304% | 904 | |
30 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $2,003 | -0.151% | 739 | |
31 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,908 | +0.008% | 690 | |
32 | United Community Bank | Exceptional | Strong | Strong | Strong | Strong | $2,495 | +0.370% | 620 | |
33 | Pinnacle Bank | Exceptional | Strong | Strong | Strong | Strong | $1,976 | +0.144% | 421 | |
34 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,932 | +0.131% | 394 | |
35 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,293 | +0.225% | 385 | |
36 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,832 | +0.311% | 11,593 | |
37 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,434 | +0.390% | 4,640 | |
38 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,054 | +0.456% | 2,765 | |
39 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Exceptional | $1,877 | +0.062% | 2,164 | |
40 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $1,850 | +0.291% | 1,149 | |
41 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,702 | +0.322% | 1,014 | |
42 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,263 | +0.075% | 541 | |
43 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Exceptional | Strong | $1,577 | +0.311% | 507 | |
44 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,409 | +0.291% | 452 | |
45 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,364 | +0.287% | 371 | |
46 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,480 | +0.251% | 358 | |
47 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,929 | +0.617% | 3,470 | |
48 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,604 | +0.487% | 2,671 | |
49 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,086 | +0.443% | 1,664 | |
50 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,761 | +0.368% | 825 |
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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