# Best Conventional Mortgage Lenders in Pinehurst

**As of:** 2026-05-22

Compare the top Conventional mortgage lenders in Pinehurst. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/pinehurst/best-mortgage-lenders/conventional-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:** 36
- **Total Loans:** 1,607
- **Median Rate Spread:** -0.04762857142857143%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | STATE EMPLOYEES' | 85 | 71 | 73 | 74 | Credit Union |
| 2 | First Bank | 85 | 81 | 77 | 45 | Bank |
| 3 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 50 | Credit Union |
| 4 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 108 | Independent Mortgage Company |
| 5 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 99 | Independent Mortgage Company |
| 6 | Truist Bank | 79 | 71 | 69 | 18 | Bank |
| 7 | First National Bank of Pennsylvania | 79 | 63 | 77 | 15 | Bank |
| 8 | MOVEMENT MORTGAGE, LLC | 75 | 34 | 77 | 133 | Independent Mortgage Company |
| 9 | American Security Mortgage Corp. | 74 | 61 | 69 | 21 | Independent Mortgage Company |
| 10 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 47 | Independent Mortgage Company |
| 11 | LOANDEPOT.COM, LLC | 73 | 45 | 72 | 15 | Independent Mortgage Company |
| 12 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 14 | Bank |
| 13 | GoPrime Mortgage, Inc. | 71 | 31 | 74 | 118 | Independent Mortgage Company |
| 14 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 21 | 74 | 54 | Independent Mortgage Company |
| 15 | Prosperity Home Mortgage, LLC | 71 | 33 | 71 | 50 | Independent Mortgage Company |
| 16 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 35 | Independent Mortgage Company |
| 17 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 30 | Independent Mortgage Company |
| 18 | Alcova Mortgage LLC | 70 | 31 | 82 | 22 | Independent Mortgage Company |
| 19 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 70 | 25 | 80 | 13 | Independent Mortgage Company |
| 20 | First-Citizens Bank & Trust Company | 69 | 57 | 59 | 49 | Bank |
| 21 | INTERCOASTAL MORTGAGE, LLC | 69 | 49 | 77 | 19 | Independent Mortgage Company |
| 22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 66 | 25 | 78 | 26 | Independent Mortgage Company |
| 23 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 14 | Independent Mortgage Company |
| 24 | JPMorgan Chase Bank, National Association | 66 | 52 | 71 | 10 | Bank |
| 25 | The Fidelity Bank | 64 | 53 | 65 | 16 | Bank |
| 26 | NFM, INC. | 63 | 19 | 77 | 202 | Independent Mortgage Company |
| 27 | USAA Federal Savings Bank | 63 | 53 | 27 | 32 | Bank |
| 28 | VISION LENDING SERVICES, LLC | 53 | 32 | 48 | 29 | Independent Mortgage Company |
| 29 | AgFirst Farm Credit Bank | 53 | 12 | 63 | 10 | 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 Pinehurst.

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.