Safe Rate Rankings

Best All Lender 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	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	First BankBank	Exceptional	Exceptional	Strong	Strong	$575Fees	0.010%Above	45
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$222Fees	0.778%Below	50
3	GoPrime Mortgage, Inc.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$639Fees	0.390%Below	118
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,295Fees	0.283%Below	99
5	STATE EMPLOYEES'Credit Union	Strong	Strong	Strong	Strong	$2,114Fees	0.803%Below	74
6	First-Citizens Bank & Trust CompanyBank	Strong	Strong	Strong	Strong	$21Fees	0.030%Below	49
7	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,903Fees	0.010%Above	202
8	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,200Fees	0.129%Above	133
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,042Fees	0.256%Above	108
10	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,457Fees	0.599%Below	47
11	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,462Fees	0.357%Below	32
12	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,385Fees	0.014%Above	35
13	USAA Federal Savings BankBank	Strong	Sound	Sound	Strong	$2,043Fees	0.037%Below	32
14	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,350Fees	0.502%Below	30
15	American Security Mortgage Corp.Independent Mortgage Company	Strong	Sound	Strong	Sound	$2,080Fees	0.076%Above	21
16	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,794Fees	0.341%Above	54
17	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,885Fees	0.127%Above	50
18	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,903Fees	0.469%Above	47
19	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,409Fees	0.233%Above	26
20	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$1,905Fees	0.208%Below	22
21	VISION LENDING SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,799Fees	0.122%Below	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.