# Best FHA Mortgage Lenders in Wilmington, NC

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

Compare the top FHA 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/fha-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 | JET HOMELOANS, LP | 89 | 88 | 84 | 59 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 297 | Independent Mortgage Company |
| 3 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 73 | Independent Mortgage Company |
| 4 | Prosperity Home Mortgage, LLC | 85 | 63 | 72 | 62 | Independent Mortgage Company |
| 5 | Towne Bank | 83 | 58 | 82 | 124 | Bank |
| 6 | VANDERBILT MORTGAGE AND FINANCE, INC. | 83 | 59 | 83 | 76 | Independent Mortgage Company |
| 7 | American Security Mortgage Corp. | 80 | 66 | 72 | 99 | Independent Mortgage Company |
| 8 | INTERCOASTAL MORTGAGE, LLC | 80 | 69 | 79 | 94 | Independent Mortgage Company |
| 9 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 554 | Independent Mortgage Company |
| 10 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 80 | 28 | 84 | 351 | Independent Mortgage Company |
| 11 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 92 | Independent Mortgage Company |
| 12 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 90 | Independent Mortgage Company |
| 13 | GUARANTEED RATE, INC. | 75 | 38 | 68 | 401 | Independent Mortgage Company |
| 14 | MOVEMENT MORTGAGE, LLC | 75 | 30 | 79 | 305 | Independent Mortgage Company |
| 15 | Integrity Home Mortgage Corporation | 75 | 23 | 79 | 151 | Independent Mortgage Company |
| 16 | CORNERSTONE CAPITAL BANK, SSB | 75 | 30 | 85 | 93 | Bank |
| 17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 93 | Independent Mortgage Company |
| 18 | UNION HOME MORTGAGE CORP. | 75 | 22 | 80 | 63 | Independent Mortgage Company |
| 19 | Primis Mortgage Company | 74 | 40 | 74 | 103 | Independent Mortgage Company |
| 20 | LOANSTEADY LLC | 74 | 40 | 74 | 48 | Independent Mortgage Company |
| 21 | NEWREZ LLC | 73 | 52 | 56 | 139 | Independent Mortgage Company |
| 22 | Flagstar Bank, N.A. | 73 | 58 | 71 | 24 | Bank |
| 23 | Alcova Mortgage LLC | 70 | 39 | 85 | 39 | Independent Mortgage Company |
| 24 | T2 FINANCIAL LLC | 70 | 29 | 82 | 34 | Independent Mortgage Company |
| 25 | Presidential Bank, FSB | 67 | 31 | 78 | 51 | Bank |
| 26 | ZILLOW HOME LOANS, LLC | 66 | 34 | 67 | 21 | Independent Mortgage Company |
| 27 | AMERICAN FINANCIAL RESOURCES, INC. | 66 | 21 | 61 | 19 | Independent Mortgage Company |
| 28 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 63 | 18 | 81 | 48 | Independent Mortgage Company |
| 29 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 20 | Independent Mortgage Company |
| 30 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 164 | Independent Mortgage Company |
| 31 | NATIONSTAR MORTGAGE LLC | 60 | 13 | 63 | 57 | Independent Mortgage Company |
| 32 | VISION LENDING SERVICES, LLC | 58 | 36 | 77 | 19 | Independent Mortgage Company |
| 33 | NEW AMERICAN FUNDING, LLC | 52 | 19 | 57 | 29 | 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.