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