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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 VA Mortgage Bank Lenders in Raleigh
Updated February 5, 2026
Market Overview
14
Total Lenders
23,619
Total Loans
0.15%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | North State Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,049 | -0.056% | 268 | |
2 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Strong | $350 | -0.215% | 94 | |
3 | First-Citizens Bank & Trust Company | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,572 | -0.130% | 363 | |
4 | CORNERSTONE CAPITAL BANK, SSB | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,948 | +0.300% | 159 | |
5 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Strong | Strong | -$1,040 | -0.016% | 141 | |
6 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Sound | $3,073 | +0.145% | 59 | |
7 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | -$45 | -0.056% | 539 | |
8 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,376 | +0.312% | 208 | |
9 | United Community Bank | Exceptional | Strong | Strong | Strong | Strong | $2,629 | +0.242% | 174 | |
10 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,989 | -0.147% | 94 | |
11 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $1,919 | +0.006% | 306 | |
12 | The Central Trust Bank | Strong | Sound | Strong | Strong | Strong | $1,638 | +0.073% | 99 | |
13 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $2,444 | +0.196% | 69 | |
14 | The Federal Savings Bank | Sound | Mediocre | Exceptional | Sound | Strong | $4,009 | +0.715% | 69 |
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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