# Best VA Mortgage Lenders in Raleigh

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

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

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

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 1,409 | Independent Mortgage Company |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 95 | 79 | 86 | 397 | Independent Mortgage Company |
| 3 | North State Bank | 95 | 80 | 83 | 268 | Bank |
| 4 | VELOCIO MORTGAGE L.L.C. | 95 | 100 | 89 | 184 | Independent Mortgage Company |
| 5 | GoPrime Mortgage, Inc. | 89 | 68 | 91 | 166 | Independent Mortgage Company |
| 6 | CORNERSTONE CAPITAL BANK, SSB | 89 | 61 | 85 | 159 | Bank |
| 7 | NBKC BANK | 89 | 91 | 75 | 94 | Bank |
| 8 | MOVEMENT MORTGAGE, LLC | 88 | 45 | 81 | 903 | Independent Mortgage Company |
| 9 | American Security Mortgage Corp. | 88 | 58 | 87 | 403 | Independent Mortgage Company |
| 10 | JET HOMELOANS, LP | 88 | 82 | 87 | 56 | Independent Mortgage Company |
| 11 | FBC MORTGAGE, LLC | 88 | 85 | 87 | 52 | Independent Mortgage Company |
| 12 | Prosperity Home Mortgage, LLC | 85 | 64 | 73 | 313 | Independent Mortgage Company |
| 13 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 280 | Independent Mortgage Company |
| 14 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 247 | Independent Mortgage Company |
| 15 | GUARANTEED RATE, INC. | 85 | 79 | 70 | 220 | Independent Mortgage Company |
| 16 | MATTAMY HOME FUNDING, LLC | 85 | 66 | 84 | 185 | Independent Mortgage Company |
| 17 | Fifth Third Bank, National Association | 85 | 81 | 60 | 141 | Bank |
| 18 | First-Citizens Bank & Trust Company | 83 | 89 | 57 | 363 | Bank |
| 19 | NAVY FEDERAL CREDIT UNION | 83 | 91 | 59 | 286 | Credit Union |
| 20 | CMG MORTGAGE, INC. | 83 | 54 | 81 | 245 | Independent Mortgage Company |
| 21 | Towne Bank | 83 | 41 | 82 | 208 | Bank |
| 22 | First Heritage Mortgage, LLC | 83 | 52 | 90 | 177 | Independent Mortgage Company |
| 23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 83 | 48 | 82 | 103 | Independent Mortgage Company |
| 24 | Ameris Bank | 83 | 63 | 81 | 59 | Bank |
| 25 | United Community Bank | 80 | 71 | 70 | 174 | Bank |
| 26 | RESICENTRAL, LLC | 80 | 72 | 60 | 73 | Independent Mortgage Company |
| 27 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 1,528 | Independent Mortgage Company |
| 28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 33 | 83 | 517 | Independent Mortgage Company |
| 29 | Truist Bank | 79 | 71 | 60 | 539 | Bank |
| 30 | LOANDEPOT.COM, LLC | 79 | 53 | 69 | 372 | Independent Mortgage Company |
| 31 | NEWREZ LLC | 79 | 47 | 63 | 151 | Independent Mortgage Company |
| 32 | USAA Federal Savings Bank | 79 | 62 | 58 | 94 | Bank |
| 33 | MUTUAL OF OMAHA MORTGAGE, INC. | 79 | 46 | 60 | 83 | Independent Mortgage Company |
| 34 | Towne Mortgage of the Carolinas, LLC | 75 | 33 | 84 | 224 | Independent Mortgage Company |
| 35 | FIRST HOME MORTGAGE CORPORATION | 75 | 29 | 86 | 223 | Independent Mortgage Company |
| 36 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 75 | 33 | 85 | 185 | Independent Mortgage Company |
| 37 | NFM, INC. | 75 | 40 | 83 | 177 | Independent Mortgage Company |
| 38 | T2 FINANCIAL LLC | 75 | 22 | 82 | 108 | Independent Mortgage Company |
| 39 | EQUITY RESOURCES, INC. | 74 | 56 | 70 | 104 | Independent Mortgage Company |
| 40 | The Central Trust Bank | 74 | 54 | 65 | 99 | Bank |
| 41 | FIRST EQUITY MORTGAGE INCORPORATED | 74 | 61 | 50 | 52 | Independent Mortgage Company |
| 42 | Wells Fargo Bank, National Association | 73 | 53 | 55 | 306 | Bank |
| 43 | Flagstar Bank, N.A. | 73 | 56 | 68 | 69 | Bank |
| 44 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 32 | 71 | 419 | Independent Mortgage Company |
| 45 | Mortgage Research Center, LLC | 71 | 34 | 61 | 223 | Independent Mortgage Company |
| 46 | NATIONSTAR MORTGAGE LLC | 71 | 20 | 69 | 115 | Independent Mortgage Company |
| 47 | UNION HOME MORTGAGE CORP. | 71 | 25 | 79 | 86 | Independent Mortgage Company |
| 48 | Primis Mortgage Company | 69 | 44 | 70 | 52 | Independent Mortgage Company |
| 49 | ZILLOW HOME LOANS, LLC | 67 | 39 | 68 | 284 | Independent Mortgage Company |
| 50 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 67 | 35 | 70 | 122 | 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.