🛡️
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 Conventional Mortgage Lenders in Raleigh
Updated February 5, 2026
Market Overview
196
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 | STATE EMPLOYEES' | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,382 | -0.827% | 1,402 | |
2 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | -$45 | -0.056% | 539 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $788 | -0.641% | 286 | |
4 | North State Bank | Exceptional | Exceptional | Sound | Strong | Exceptional | $1,049 | -0.056% | 268 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $478 | -0.146% | 188 | |
6 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Exceptional | $1,970 | +0.103% | 403 | |
7 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,555 | -0.265% | 275 | |
8 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $1,078 | +0.019% | 140 | |
9 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $350 | -0.215% | 94 | |
10 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$371 | +0.028% | 85 | |
11 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $5,328 | +0.061% | 397 | |
12 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,919 | +0.006% | 306 | |
13 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,342 | +0.280% | 177 | |
14 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | -$1,040 | -0.016% | 141 | |
15 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $392 | -0.031% | 67 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,663 | +0.181% | 1,528 | |
17 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,482 | -0.050% | 1,409 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,548 | +0.018% | 388 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,034 | -0.142% | 372 | |
20 | VELOCIO MORTGAGE L.L.C. | Strong | Strong | Strong | Sound | Strong | $612 | -0.852% | 184 | |
21 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $1,638 | +0.073% | 99 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,501 | -0.069% | 83 | |
23 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Strong | Sound | Strong | $1,018 | +0.199% | 52 | |
24 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,003 | +0.208% | 903 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,585 | +0.399% | 517 | |
26 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Exceptional | $1,572 | -0.130% | 363 | |
27 | COASTAL Federal Credit Union | Strong | Sound | Strong | Sound | Exceptional | $2,054 | +0.199% | 303 | |
28 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,943 | -0.070% | 280 | |
29 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,282 | +0.314% | 185 | |
30 | MATTAMY HOME FUNDING, LLC | Strong | Sound | Strong | Strong | Strong | $1,229 | +0.703% | 185 | |
31 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,533 | +0.188% | 155 | |
32 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Strong | $1,629 | +0.182% | 104 | |
33 | CORPORATE INVESTORS MORTGAGE GROUP, INC | Strong | Sound | Strong | Strong | Strong | $2,773 | +0.141% | 103 | |
34 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | Strong | $922 | -0.100% | 98 | |
35 | Ameris Bank | Strong | Sound | Exceptional | Strong | Sound | $3,073 | +0.145% | 59 | |
36 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $1,910 | -0.025% | 52 | |
37 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,967 | +0.345% | 419 | |
38 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,006 | +0.263% | 313 | |
39 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $608 | -0.154% | 245 | |
40 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,514 | +0.147% | 220 | |
41 | United Community Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,629 | +0.242% | 174 | |
42 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,788 | +0.270% | 126 | |
43 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,744 | +0.375% | 122 | |
44 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,593 | +0.327% | 115 | |
45 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,652 | +0.399% | 108 | |
46 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,717 | -0.066% | 103 | |
47 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,842 | +0.336% | 86 | |
48 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,161 | +0.421% | 78 | |
49 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,346 | +0.126% | 74 | |
50 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,426 | +0.110% | 65 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
RaleighConventional
No credit impact
3-minute process
100% free