# Best VA Mortgage Lenders in Pinehurst

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

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

> **Canonical URL:** https://saferate.com/pinehurst/best-mortgage-lenders/va-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 | GoPrime Mortgage, Inc. | 95 | 68 | 91 | 118 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 99 | Independent Mortgage Company |
| 3 | MOVEMENT MORTGAGE, LLC | 88 | 45 | 81 | 133 | Independent Mortgage Company |
| 4 | Prosperity Home Mortgage, LLC | 85 | 64 | 73 | 50 | Independent Mortgage Company |
| 5 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 47 | Independent Mortgage Company |
| 6 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 32 | Independent Mortgage Company |
| 7 | NAVY FEDERAL CREDIT UNION | 83 | 91 | 59 | 50 | Credit Union |
| 8 | CMG MORTGAGE, INC. | 83 | 54 | 81 | 30 | Independent Mortgage Company |
| 9 | NFM, INC. | 80 | 40 | 83 | 202 | Independent Mortgage Company |
| 10 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 108 | Independent Mortgage Company |
| 11 | USAA Federal Savings Bank | 79 | 62 | 58 | 32 | Bank |
| 12 | VISION LENDING SERVICES, LLC | 79 | 43 | 90 | 29 | Independent Mortgage Company |
| 13 | GUARANTEED RATE, INC. | 79 | 79 | 70 | 12 | Independent Mortgage Company |
| 14 | American Security Mortgage Corp. | 77 | 58 | 87 | 21 | Independent Mortgage Company |
| 15 | LOANDEPOT.COM, LLC | 73 | 53 | 69 | 15 | Independent Mortgage Company |
| 16 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 32 | 71 | 54 | Independent Mortgage Company |
| 17 | Mortgage Research Center, LLC | 71 | 34 | 61 | 47 | Independent Mortgage Company |
| 18 | UNION HOME MORTGAGE CORP. | 71 | 25 | 79 | 35 | Independent Mortgage Company |
| 19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 70 | 33 | 83 | 26 | Independent Mortgage Company |
| 20 | Alcova Mortgage LLC | 70 | 32 | 86 | 22 | Independent Mortgage Company |
| 21 | NATIONSTAR MORTGAGE LLC | 66 | 20 | 69 | 14 | Independent Mortgage Company |
| 22 | GUILD MORTGAGE COMPANY LLC | 66 | 22 | 77 | 13 | Independent Mortgage Company |
| 23 | ACOPIA, LLC | 63 | 23 | 66 | 11 | Independent Mortgage Company |
| 24 | NEW AMERICAN FUNDING, LLC | 52 | 19 | 58 | 15 | 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.