Safe Rate Rankings

Best All Lender Mortgage Lenders in Raleigh

Updated June 3, 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 Lenders196

Total Loans23,619

Median Rate Spread0.15%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	North State BankBank	Exceptional	Exceptional	Strong	Exceptional	$1,049Fees	0.056%Below	268
2	VELOCIO MORTGAGE L.L.C.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Strong	$612Fees	0.852%Below	184
3	STATE EMPLOYEES'Credit Union	Exceptional	Strong	Strong	Exceptional	$2,382Fees	0.827%Below	1,402
4	Truist BankBank	Exceptional	Strong	Strong	Exceptional	$45Credit	0.056%Below	539
5	First-Citizens Bank & Trust CompanyBank	Exceptional	Strong	Strong	Exceptional	$1,572Fees	0.130%Below	363
6	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$788Fees	0.641%Below	286
7	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Sound	Strong	$478Fees	0.146%Below	188
8	NBKC BANKBank	Exceptional	Exceptional	Sound	Strong	$350Fees	0.215%Below	94
9	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$1,482Fees	0.050%Below	1,409
10	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$5,328Fees	0.061%Above	397
11	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,555Fees	0.265%Below	275
12	MATTAMY HOME FUNDING, LLCIndependent Mortgage Company	Strong	Strong	Strong	Strong	$1,229Fees	0.703%Above	185
13	Fifth Third Bank, National AssociationBank	Strong	Strong	Strong	Strong	$1,040Credit	0.016%Below	141
14	PNC Bank, National AssociationBank	Strong	Strong	Strong	Strong	$371Credit	0.028%Above	85
15	FBC MORTGAGE, LLCIndependent Mortgage Company	Strong	Strong	Exceptional	Sound	$3,016Fees	0.247%Below	52
16	American Security Mortgage Corp.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,970Fees	0.103%Above	403
17	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$1,919Fees	0.006%Above	306
18	COASTAL Federal Credit UnionCredit Union	Strong	Sound	Strong	Exceptional	$2,054Fees	0.199%Above	303
19	First Heritage Mortgage, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,342Fees	0.280%Above	177
20	GoPrime Mortgage, Inc.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,433Fees	0.297%Above	166
21	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$392Fees	0.031%Below	67
22	JET HOMELOANS, LPIndependent Mortgage Company	Strong	Strong	Strong	Sound	$1,987Fees	0.444%Below	56
23	FIRST EQUITY MORTGAGE INCORPORATEDIndependent Mortgage Company	Strong	Strong	Sound	Strong	$1,018Fees	0.199%Above	52
24	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,663Fees	0.181%Above	1,528
25	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,003Fees	0.208%Above	903
26	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,585Fees	0.399%Above	517
27	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$1,548Fees	0.018%Above	388
28	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,034Fees	0.142%Below	372
29	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,943Fees	0.070%Below	280
30	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,753Fees	0.020%Below	247
31	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,514Fees	0.147%Above	220
32	First National Bank of PennsylvaniaBank	Strong	Sound	Strong	Strong	$1,078Fees	0.019%Above	140
33	EQUITY RESOURCES, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$1,629Fees	0.182%Above	104
34	CORPORATE INVESTORS MORTGAGE GROUP, INCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,773Fees	0.141%Above	103
35	The Central Trust BankBank	Strong	Sound	Strong	Strong	$1,638Fees	0.073%Above	99
36	General Mortgage Capital CorporationIndependent Mortgage Company	Strong	Sound	Strong	Strong	$922Fees	0.100%Below	98
37	Ameris BankBank	Strong	Sound	Exceptional	Sound	$3,073Fees	0.145%Above	59
38	INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	$2,077Fees	0.475%Above	56
39	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$608Fees	0.154%Below	245
40	Towne Mortgage of the Carolinas, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,010Fees	0.200%Above	224
41	Towne BankBank	Strong	Acceptable	Exceptional	Strong	$3,376Fees	0.312%Above	208
42	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,282Fees	0.314%Above	185
43	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,575Fees	0.415%Above	177
44	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,533Fees	0.188%Above	155
45	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,788Fees	0.270%Above	126
46	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,652Fees	0.399%Above	108
47	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,717Fees	0.066%Below	103
48	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,842Fees	0.336%Above	86
49	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,910Fees	0.025%Below	52
50	DELMAR FINANCIAL COMPANYIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,550Fees	0.361%Above	50

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.