Safe Rate Rankings

Best Conventional Mortgage Lenders in Pinehurst

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders36

Total Loans1,607

Median Rate Spread-0.05%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$222Fees	0.778%Below	50
2	First BankBank	Exceptional	Exceptional	Strong	Strong	Strong	$575Fees	0.010%Above	45
3	STATE EMPLOYEES'Credit Union	Exceptional	Strong	Exceptional	Strong	Strong	$2,114Fees	0.803%Below	74
4	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$449Fees	0.050%Above	18
5	First National Bank of PennsylvaniaBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,321Fees	0.073%Above	15
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,042Fees	0.256%Above	108
7	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,295Fees	0.283%Below	99
8	American Security Mortgage Corp.Independent Mortgage Company	Strong	Strong	Strong	Strong	Sound	$2,080Fees	0.076%Above	21
9	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$3,374Fees	0.078%Above	14
10	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,200Fees	0.129%Above	133
11	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$3,457Fees	0.599%Below	47
12	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$5,218Fees	0.248%Above	15
13	GoPrime Mortgage, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$639Fees	0.390%Below	118
14	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,794Fees	0.341%Above	54
15	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,885Fees	0.127%Above	50
16	First-Citizens Bank & Trust CompanyBank	Strong	Sound	Strong	Sound	Strong	$21Fees	0.030%Below	49
17	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,385Fees	0.014%Above	35
18	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,350Fees	0.502%Below	30
19	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,905Fees	0.208%Below	22
20	INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$1,211Fees	0.320%Above	19
21	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$4,025Fees	0.202%Above	13
22	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Acceptable	$3,171Fees	0.028%Above	10
23	NFM, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$2,903Fees	0.010%Above	202
24	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Strong	$2,043Fees	0.037%Below	32
25	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,409Fees	0.233%Above	26
26	The Fidelity BankBank	Strong	Sound	Sound	Strong	Sound	$1,143Fees	0.184%Above	16
27	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,480Fees	0.189%Below	14
28	VISION LENDING SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Acceptable	Sound	Strong	$2,799Fees	0.122%Below	29
29	AgFirst Farm Credit BankIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$1,490Fees	1.025%Above	10

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.