# Best VA Mortgage Lenders in North Carolina

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

Compare the top VA 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/va-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 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 7,350 | Independent Mortgage Company |
| 2 | VELOCIO MORTGAGE L.L.C. | 95 | 100 | 89 | 441 | Independent Mortgage Company |
| 3 | JET HOMELOANS, LP | 95 | 82 | 87 | 301 | Independent Mortgage Company |
| 4 | FREEDOM MORTGAGE CORPORATION | 89 | 61 | 63 | 2,212 | Independent Mortgage Company |
| 5 | GUARANTEED RATE, INC. | 89 | 79 | 70 | 2,007 | Independent Mortgage Company |
| 6 | VANDERBILT MORTGAGE AND FINANCE, INC. | 89 | 79 | 86 | 777 | Independent Mortgage Company |
| 7 | CORNERSTONE CAPITAL BANK, SSB | 89 | 61 | 85 | 772 | Bank |
| 8 | GoPrime Mortgage, Inc. | 89 | 68 | 91 | 650 | Independent Mortgage Company |
| 9 | Ameris Bank | 89 | 63 | 81 | 549 | Bank |
| 10 | North State Bank | 89 | 80 | 83 | 453 | Bank |
| 11 | NBKC BANK | 89 | 91 | 75 | 434 | Bank |
| 12 | MOVEMENT MORTGAGE, LLC | 88 | 45 | 81 | 6,974 | Independent Mortgage Company |
| 13 | American Security Mortgage Corp. | 88 | 58 | 87 | 2,629 | Independent Mortgage Company |
| 14 | NAVY FEDERAL CREDIT UNION | 88 | 91 | 59 | 2,526 | Credit Union |
| 15 | First National Bank of Pennsylvania | 85 | 78 | 74 | 1,549 | Bank |
| 16 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 1,508 | Independent Mortgage Company |
| 17 | Prosperity Home Mortgage, LLC | 85 | 64 | 73 | 1,034 | Independent Mortgage Company |
| 18 | U.S. Bank National Association | 85 | 71 | 65 | 604 | Bank |
| 19 | Fifth Third Bank, National Association | 85 | 81 | 60 | 579 | Bank |
| 20 | MATTAMY HOME FUNDING, LLC | 85 | 66 | 84 | 533 | Independent Mortgage Company |
| 21 | INSPIRE HOME LOANS INC. | 85 | 66 | 78 | 364 | Independent Mortgage Company |
| 22 | LOANDEPOT.COM, LLC | 83 | 53 | 69 | 2,722 | Independent Mortgage Company |
| 23 | JPMorgan Chase Bank, National Association | 83 | 75 | 54 | 2,074 | Bank |
| 24 | First-Citizens Bank & Trust Company | 83 | 89 | 57 | 1,922 | Bank |
| 25 | CMG MORTGAGE, INC. | 83 | 54 | 81 | 1,052 | Independent Mortgage Company |
| 26 | Towne Bank | 83 | 41 | 82 | 904 | Bank |
| 27 | M/I FINANCIAL, LLC | 83 | 52 | 81 | 690 | Independent Mortgage Company |
| 28 | First Bank | 83 | 83 | 73 | 591 | Bank |
| 29 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 83 | 48 | 82 | 394 | Independent Mortgage Company |
| 30 | First Heritage Mortgage, LLC | 83 | 52 | 90 | 385 | Independent Mortgage Company |
| 31 | United Community Bank | 80 | 71 | 70 | 620 | Bank |
| 32 | Pinnacle Bank | 80 | 70 | 64 | 421 | Bank |
| 33 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 11,593 | Independent Mortgage Company |
| 34 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 80 | 33 | 85 | 4,640 | Independent Mortgage Company |
| 35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 33 | 83 | 2,765 | Independent Mortgage Company |
| 36 | Alcova Mortgage LLC | 80 | 32 | 86 | 1,014 | Independent Mortgage Company |
| 37 | Truist Bank | 79 | 71 | 60 | 2,669 | Bank |
| 38 | NEWREZ LLC | 79 | 47 | 63 | 1,149 | Independent Mortgage Company |
| 39 | USAA Federal Savings Bank | 79 | 62 | 58 | 739 | Bank |
| 40 | MUTUAL OF OMAHA MORTGAGE, INC. | 79 | 46 | 60 | 541 | Independent Mortgage Company |
| 41 | INTERCOASTAL MORTGAGE, LLC | 79 | 46 | 81 | 507 | Independent Mortgage Company |
| 42 | Flagstar Bank, N.A. | 79 | 56 | 68 | 452 | Bank |
| 43 | THE LOAN STORE, INC. | 79 | 51 | 75 | 371 | Independent Mortgage Company |
| 44 | PLAZA HOME MORTGAGE, INC. | 79 | 42 | 63 | 358 | Independent Mortgage Company |
| 45 | SOFI BANK, NATIONAL ASSOCIATION | 79 | 87 | 51 | 334 | Bank |
| 46 | Wells Fargo Bank, National Association | 77 | 53 | 55 | 2,164 | Bank |
| 47 | Mortgage Research Center, LLC | 75 | 34 | 61 | 3,470 | Independent Mortgage Company |
| 48 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 32 | 71 | 2,671 | Independent Mortgage Company |
| 49 | UNION HOME MORTGAGE CORP. | 75 | 25 | 79 | 1,664 | Independent Mortgage Company |
| 50 | NFM, INC. | 75 | 40 | 83 | 825 | 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.