# Best FHA Mortgage Lenders in Raleigh

**As of:** 2026-06-03

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

> **Canonical URL:** https://saferate.com/raleigh/best-mortgage-lenders/fha-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:** 196
- **Total Loans:** 23,619
- **Median Rate Spread:** 0.1480909090909091%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | VELOCIO MORTGAGE L.L.C. | 95 | 96 | 88 | 184 | Independent Mortgage Company |
| 2 | North State Bank | 89 | 80 | 74 | 268 | Bank |
| 3 | First Heritage Mortgage, LLC | 89 | 68 | 84 | 177 | Independent Mortgage Company |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 1,409 | Independent Mortgage Company |
| 5 | VANDERBILT MORTGAGE AND FINANCE, INC. | 88 | 59 | 83 | 397 | Independent Mortgage Company |
| 6 | American Security Mortgage Corp. | 85 | 66 | 72 | 403 | Independent Mortgage Company |
| 7 | Prosperity Home Mortgage, LLC | 85 | 63 | 72 | 313 | Independent Mortgage Company |
| 8 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 247 | Independent Mortgage Company |
| 9 | MATTAMY HOME FUNDING, LLC | 85 | 89 | 79 | 185 | Independent Mortgage Company |
| 10 | First-Citizens Bank & Trust Company | 83 | 95 | 57 | 363 | Bank |
| 11 | Towne Bank | 83 | 58 | 82 | 208 | Bank |
| 12 | JET HOMELOANS, LP | 83 | 88 | 84 | 56 | Independent Mortgage Company |
| 13 | FBC MORTGAGE, LLC | 83 | 77 | 82 | 52 | Independent Mortgage Company |
| 14 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 1,528 | Independent Mortgage Company |
| 15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 20 | 82 | 517 | Independent Mortgage Company |
| 16 | Truist Bank | 79 | 75 | 53 | 539 | Bank |
| 17 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 372 | Independent Mortgage Company |
| 18 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 280 | Independent Mortgage Company |
| 19 | M/I FINANCIAL, LLC | 79 | 47 | 80 | 263 | Independent Mortgage Company |
| 20 | Towne Mortgage of the Carolinas, LLC | 79 | 44 | 78 | 224 | Independent Mortgage Company |
| 21 | The Central Trust Bank | 79 | 59 | 71 | 99 | Bank |
| 22 | NBKC BANK | 79 | 88 | 54 | 94 | Bank |
| 23 | MOVEMENT MORTGAGE, LLC | 75 | 30 | 79 | 903 | Independent Mortgage Company |
| 24 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 75 | 28 | 84 | 185 | Independent Mortgage Company |
| 25 | NFM, INC. | 75 | 40 | 83 | 177 | Independent Mortgage Company |
| 26 | CORNERSTONE CAPITAL BANK, SSB | 75 | 30 | 85 | 159 | Bank |
| 27 | Alcova Mortgage LLC | 75 | 39 | 85 | 155 | Independent Mortgage Company |
| 28 | T2 FINANCIAL LLC | 75 | 29 | 82 | 108 | Independent Mortgage Company |
| 29 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 22 | 82 | 103 | Independent Mortgage Company |
| 30 | UNION HOME MORTGAGE CORP. | 75 | 22 | 80 | 86 | Independent Mortgage Company |
| 31 | United Community Bank | 74 | 51 | 64 | 174 | Bank |
| 32 | CORPORATE INVESTORS MORTGAGE GROUP, INC | 74 | 66 | 73 | 103 | Independent Mortgage Company |
| 33 | INTERCOASTAL MORTGAGE, LLC | 74 | 69 | 79 | 56 | Independent Mortgage Company |
| 34 | NEWREZ LLC | 73 | 52 | 56 | 151 | Independent Mortgage Company |
| 35 | Flagstar Bank, N.A. | 73 | 58 | 71 | 69 | Bank |
| 36 | ZILLOW HOME LOANS, LLC | 71 | 34 | 67 | 284 | Independent Mortgage Company |
| 37 | CMG MORTGAGE, INC. | 71 | 32 | 79 | 245 | Independent Mortgage Company |
| 38 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 220 | Independent Mortgage Company |
| 39 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 126 | Independent Mortgage Company |
| 40 | Wells Fargo Bank, National Association | 69 | 57 | 42 | 306 | Bank |
| 41 | Primis Mortgage Company | 69 | 40 | 74 | 52 | Independent Mortgage Company |
| 42 | DELMAR FINANCIAL COMPANY | 69 | 41 | 73 | 50 | Independent Mortgage Company |
| 43 | MUTUAL OF OMAHA MORTGAGE, INC. | 66 | 36 | 56 | 83 | Independent Mortgage Company |
| 44 | The Federal Savings Bank | 66 | 26 | 53 | 69 | Bank |
| 45 | LOWER, LLC | 66 | 29 | 66 | 56 | Independent Mortgage Company |
| 46 | BAY EQUITY LLC | 66 | 37 | 72 | 52 | Independent Mortgage Company |
| 47 | FIRST HOME MORTGAGE CORPORATION | 63 | 13 | 84 | 223 | Independent Mortgage Company |
| 48 | SUMMIT FUNDING, INC. | 63 | 12 | 81 | 62 | Independent Mortgage Company |
| 49 | Bank of America, National Association | 63 | 35 | 43 | 275 | Bank |
| 50 | GoPrime Mortgage, Inc. | 63 | 32 | 55 | 166 | 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 Raleigh.

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.