# Best Mortgage Lenders for FHA 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 FHA 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:** FHA
- **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 | [VELOCIO MORTGAGE L.L.C.](https://saferate.com/lenders/velocio-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Exceptional 🤩 | Exceptional 🤩 |
| 2 | [FREEDOM MORTGAGE CORPORATION](https://saferate.com/lenders/freedom-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 3 | [First National Bank of Pennsylvania](https://saferate.com/lenders/first-national-bank-of-pennsylvania) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 4 | [First Heritage Mortgage, LLC](https://saferate.com/lenders/first-heritage-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Exceptional 🤩 |
| 5 | [JET HOMELOANS, LP](https://saferate.com/lenders/jet-homeloans-lp) | Independent Mortgage Company | Exceptional 🤩 | Exceptional 🤩 | Exceptional 🤩 |
| 6 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Sound ☺️ | Exceptional 🤩 |
| 7 | [American Security Mortgage Corp.](https://saferate.com/lenders/american-security-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 8 | [Prosperity Home Mortgage, LLC](https://saferate.com/lenders/prosperity-home-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 9 | [MATTAMY HOME FUNDING, LLC](https://saferate.com/lenders/mattamy-home-funding) | Independent Mortgage Company | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 10 | [North State Bank](https://saferate.com/lenders/north-state-bank) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 11 | [LOANDEPOT.COM, LLC](https://saferate.com/lenders/loandepotcom) | Independent Mortgage Company | Exceptional 🤩 | Sound ☺️ | Strong 😀 |
| 12 | [First-Citizens Bank & Trust Company](https://saferate.com/lenders/first-citizens-bank-trust) | Bank | Exceptional 🤩 | Exceptional 🤩 | Sound ☺️ |
| 13 | [Towne Bank](https://saferate.com/lenders/towne-bank) | Bank | Exceptional 🤩 | Sound ☺️ | Exceptional 🤩 |
| 14 | [VANDERBILT MORTGAGE AND FINANCE, INC.](https://saferate.com/lenders/vanderbilt-mortgage-and-finance) | Independent Mortgage Company | Exceptional 🤩 | Sound ☺️ | Exceptional 🤩 |
| 15 | [INTERCOASTAL MORTGAGE, LLC](https://saferate.com/lenders/intercoastal-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 16 | [Pinnacle Bank](https://saferate.com/lenders/pinnacle-bank-tn) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 17 | [SouthState Bank, National Association](https://saferate.com/lenders/southstate-bank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 18 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Acceptable 🙂 | Exceptional 🤩 |
| 19 | [ATLANTIC BAY MORTGAGE GROUP, L.L.C.](https://saferate.com/lenders/atlantic-bay-mortgage-group) | Independent Mortgage Company | Exceptional 🤩 | Acceptable 🙂 | Exceptional 🤩 |
| 20 | [FAIRWAY INDEPENDENT MORTGAGE CORPORATION](https://saferate.com/lenders/fairway-independent-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Acceptable 🙂 | Exceptional 🤩 |
| 21 | [UNION HOME MORTGAGE CORP.](https://saferate.com/lenders/union-home-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Acceptable 🙂 | Exceptional 🤩 |
| 22 | [Alcova Mortgage LLC](https://saferate.com/lenders/alcova-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Acceptable 🙂 | Exceptional 🤩 |
| 23 | [Truist Bank](https://saferate.com/lenders/truist-bank) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 24 | [PENNYMAC LOAN SERVICES, LLC](https://saferate.com/lenders/pennymac-loan-services) | Independent Mortgage Company | Strong 😀 | Strong 😀 | Sound ☺️ |
| 25 | [M/I FINANCIAL, LLC](https://saferate.com/lenders/mi-financial) | Independent Mortgage Company | 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/fha-loans)