# Best Mortgage Lenders in North Carolina - 2026


> **📋 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


> Compare the top mortgage lenders in North Carolina. Data-driven rankings based on pricing, approval rates, and local market expertise.

## Market Overview

- **Location:** North Carolina
- **Ranking Type:** Best Mortgage Lenders
- **Scope:** All Mortgage Lenders
- **Total Lenders in Market:** 410
- **Total Loan Volume:** 146,863
- **Last Updated:** 2026-02-06

## Top Lenders

| Rank | Lender | Type | Overall | Pricing | Pull Through |
|------|--------|------|---------|---------|--------------|
| 1 | [First Bank](https://saferate.com/lenders/first-bank-nc) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 2 | [VELOCIO MORTGAGE L.L.C.](https://saferate.com/lenders/velocio-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Exceptional 🤩 | Exceptional 🤩 |
| 3 | [STATE EMPLOYEES'](https://saferate.com/lenders/state-employees) | Credit Union | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 4 | [Truist Bank](https://saferate.com/lenders/truist-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 5 | [First-Citizens Bank & Trust Company](https://saferate.com/lenders/first-citizens-bank-trust) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 6 | [North State Bank](https://saferate.com/lenders/north-state-bank) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 7 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Sound ☺️ | Exceptional 🤩 |
| 8 | [NAVY FEDERAL CREDIT UNION](https://saferate.com/lenders/navy-federal-credit-union) | Credit Union | Exceptional 🤩 | Exceptional 🤩 | Sound ☺️ |
| 9 | [Bank of America, National Association](https://saferate.com/lenders/bank-of-america-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 10 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 11 | [Fifth Third Bank, National Association](https://saferate.com/lenders/fifth-third-bank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 12 | [MATTAMY HOME FUNDING, LLC](https://saferate.com/lenders/mattamy-home-funding) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 13 | [Southern Bank and Trust Company](https://saferate.com/lenders/southern-bank-and-trust) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 14 | [Pinnacle Bank](https://saferate.com/lenders/pinnacle-bank-tn) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 15 | [PNC Bank, National Association](https://saferate.com/lenders/pnc-bank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 16 | [FOUNDERS FEDERAL CREDIT UNION](https://saferate.com/lenders/founders-federal-credit-union) | Credit Union | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 17 | [HomeTrust Bank](https://saferate.com/lenders/hometrust-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 18 | [JET HOMELOANS, LP](https://saferate.com/lenders/jet-homeloans-lp) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 19 | [LOANDEPOT.COM, LLC](https://saferate.com/lenders/loandepotcom) | Independent Mortgage Company | Strong 😀 | Sound ☺️ | Strong 😀 |
| 20 | [American Security Mortgage Corp.](https://saferate.com/lenders/american-security-mortgage) | Independent Mortgage Company | Strong 😀 | Sound ☺️ | Strong 😀 |
| 21 | [FREEDOM MORTGAGE CORPORATION](https://saferate.com/lenders/freedom-mortgage) | Independent Mortgage Company | Strong 😀 | Sound ☺️ | Strong 😀 |
| 22 | [Wells Fargo Bank, National Association](https://saferate.com/lenders/wells-fargo-bank-national-association) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 23 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 24 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | Independent Mortgage Company | Strong 😀 | Sound ☺️ | Strong 😀 |
| 25 | [First National Bank of Pennsylvania](https://saferate.com/lenders/first-national-bank-of-pennsylvania) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |

## Lender Profiles

Click on any lender above to view their full Safe Rate profile, including:
- Detailed pricing analysis
- Pull-through rates
- Product specializations
- Safe Rate Awards
- Geographic coverage

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*Rankings provided by Safe Rate based on HMDA data analysis.*
*Data Version: 2024-HMDA | Last Updated: 2026-02-06*

[View interactive rankings on Safe Rate](https://saferate.com/north-carolina/best-mortgage-lenders)