# Best Conventional Mortgage Lenders in Wilmington, NC

**As of:** 2026-05-20

Compare the top Conventional mortgage lenders in Wilmington, NC. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/wilmington-nc/best-mortgage-lenders/conventional-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:** 104
- **Total Loans:** 8,058
- **Median Rate Spread:** 0.2026116504854369%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | STATE EMPLOYEES' | 89 | 71 | 73 | 448 | Credit Union |
| 2 | First National Bank of Pennsylvania | 89 | 63 | 77 | 246 | Bank |
| 3 | First Bank | 89 | 81 | 77 | 112 | Bank |
| 4 | CORNING CREDIT UNION | 85 | 79 | 69 | 167 | Credit Union |
| 5 | Truist Bank | 85 | 71 | 69 | 136 | Bank |
| 6 | Bank of America, National Association | 85 | 71 | 67 | 70 | Bank |
| 7 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 143 | Credit Union |
| 8 | North State Bank | 83 | 81 | 66 | 99 | Bank |
| 9 | American Security Mortgage Corp. | 80 | 61 | 69 | 99 | Independent Mortgage Company |
| 10 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 554 | Independent Mortgage Company |
| 11 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 80 | 25 | 80 | 351 | Independent Mortgage Company |
| 12 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 297 | Independent Mortgage Company |
| 13 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 104 | Bank |
| 14 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 92 | Independent Mortgage Company |
| 15 | VANDERBILT MORTGAGE AND FINANCE, INC. | 79 | 45 | 68 | 76 | Independent Mortgage Company |
| 16 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 66 | Bank |
| 17 | Fifth Third Bank, National Association | 79 | 61 | 60 | 49 | Bank |
| 18 | U.S. Bank National Association | 79 | 75 | 69 | 31 | Bank |
| 19 | PNC Bank, National Association | 79 | 75 | 63 | 27 | Bank |
| 20 | PROVIDENT FUNDING ASSOCIATES, L.P. | 77 | 83 | 55 | 33 | Independent Mortgage Company |
| 21 | First Heritage Mortgage, LLC | 77 | 47 | 81 | 23 | Independent Mortgage Company |
| 22 | GUARANTEED RATE, INC. | 75 | 39 | 65 | 401 | Independent Mortgage Company |
| 23 | MOVEMENT MORTGAGE, LLC | 75 | 34 | 77 | 305 | Independent Mortgage Company |
| 24 | INTERCOASTAL MORTGAGE, LLC | 74 | 49 | 77 | 94 | Independent Mortgage Company |
| 25 | JET HOMELOANS, LP | 74 | 53 | 65 | 59 | Independent Mortgage Company |
| 26 | Southern Bank and Trust Company | 74 | 59 | 72 | 53 | Bank |
| 27 | First-Citizens Bank & Trust Company | 73 | 57 | 59 | 168 | Bank |
| 28 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 90 | Independent Mortgage Company |
| 29 | SouthState Bank, National Association | 73 | 48 | 72 | 32 | Bank |
| 30 | Morgan Stanley Private Bank, National Association | 73 | 96 | 57 | 30 | Bank |
| 31 | NBKC BANK | 73 | 90 | 49 | 24 | Bank |
| 32 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 21 | 74 | 164 | Independent Mortgage Company |
| 33 | Integrity Home Mortgage Corporation | 71 | 22 | 75 | 151 | Independent Mortgage Company |
| 34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 93 | Independent Mortgage Company |
| 35 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 63 | Independent Mortgage Company |
| 36 | Prosperity Home Mortgage, LLC | 71 | 33 | 71 | 62 | Independent Mortgage Company |
| 37 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 57 | Independent Mortgage Company |
| 38 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 71 | 20 | 68 | 48 | Independent Mortgage Company |
| 39 | Alcova Mortgage LLC | 70 | 31 | 82 | 39 | Independent Mortgage Company |
| 40 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 73 | Independent Mortgage Company |
| 41 | LOANSTEADY LLC | 69 | 56 | 59 | 48 | Independent Mortgage Company |
| 42 | COASTAL Federal Credit Union | 69 | 42 | 50 | 42 | Credit Union |
| 43 | United Bank | 69 | 53 | 70 | 27 | Bank |
| 44 | Capital City Home Loans, LLC | 69 | 47 | 68 | 23 | Independent Mortgage Company |
| 45 | RESOURCE FINANCIAL SERVICES, INC. | 69 | 46 | 68 | 22 | Independent Mortgage Company |
| 46 | Towne Bank | 67 | 33 | 70 | 124 | Bank |
| 47 | Presidential Bank, FSB | 67 | 23 | 69 | 51 | Bank |
| 48 | NEWREZ LLC | 66 | 31 | 58 | 139 | Independent Mortgage Company |
| 49 | LOWER, LLC | 66 | 33 | 66 | 41 | Independent Mortgage Company |
| 50 | THE LOAN STORE, INC. | 66 | 39 | 71 | 41 | 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 Wilmington, NC.

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.