# Best Mortgage Lenders for USDA Loans 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 USDA mortgage lenders in North Carolina across the 4 P's of mortgage shopping: Pricing, Pullthrough, Products, and Place.

## Market Overview

- **Location:** North Carolina
- **Ranking Type:** Best Mortgage Lenders
- **Loan Product:** USDA
- **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 | [Truist Bank](https://saferate.com/lenders/truist-bank) | Bank | Exceptional 🤩 | Exceptional 🤩 | Sound ☺️ |
| 2 | [First-Citizens Bank & Trust Company](https://saferate.com/lenders/first-citizens-bank-trust) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 3 | [First Bank](https://saferate.com/lenders/first-bank-nc) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 4 | [United Community Bank](https://saferate.com/lenders/united-community-bank-sc) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 5 | [North State Bank](https://saferate.com/lenders/north-state-bank) | Bank | Strong 😀 | Exceptional 🤩 | Strong 😀 |
| 6 | [Towne Bank](https://saferate.com/lenders/towne-bank) | Bank | Strong 😀 | Acceptable 🙂 | Exceptional 🤩 |
| 7 | [HomeTrust Bank](https://saferate.com/lenders/hometrust-bank) | Bank | Strong 😀 | Strong 😀 | Strong 😀 |
| 8 | [Flagstar Bank, N.A.](https://saferate.com/lenders/flagstar-bank) | Bank | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 9 | [CORNERSTONE CAPITAL BANK, SSB](https://saferate.com/lenders/cornerstone-capital-bank-ssb) | Bank | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 10 | [Uwharrie Bank](https://saferate.com/lenders/uwharrie-bank) | 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/banks/usda-loans)