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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 Mortgage Lenders in Pinehurst
Updated February 5, 2026
Market Overview
36
Total Lenders
1,607
Total Loans
-0.05%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | First Bank | Exceptional | Exceptional | Strong | Strong | $575 | +0.010% | 45 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $222 | -0.778% | 50 | |
3 | GoPrime Mortgage, Inc. | Strong | Sound | Exceptional | Exceptional | $639 | -0.390% | 118 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,295 | -0.283% | 99 | |
5 | STATE EMPLOYEES' | Strong | Strong | Strong | Strong | $2,114 | -0.803% | 74 | |
6 | First-Citizens Bank & Trust Company | Strong | Strong | Strong | Strong | $21 | -0.030% | 49 | |
7 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,903 | +0.010% | 202 | |
8 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,200 | +0.129% | 133 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,042 | +0.256% | 108 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $3,457 | -0.599% | 47 | |
11 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,462 | -0.357% | 32 | |
12 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,385 | +0.014% | 35 | |
13 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $2,043 | -0.037% | 32 | |
14 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,350 | -0.502% | 30 | |
15 | American Security Mortgage Corp. | Strong | Sound | Strong | Sound | $2,080 | +0.076% | 21 | |
16 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,794 | +0.341% | 54 | |
17 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $1,885 | +0.127% | 50 | |
18 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,903 | +0.469% | 47 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $2,409 | +0.233% | 26 | |
20 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Sound | $1,905 | -0.208% | 22 | |
21 | VISION LENDING SERVICES, LLC | Sound | Acceptable | Sound | Strong | $2,799 | -0.122% | 29 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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