# Best VA Mortgage Lenders in Wilmington, NC

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

Compare the top VA 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/va-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 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 297 | Independent Mortgage Company |
| 2 | JET HOMELOANS, LP | 95 | 82 | 87 | 59 | Independent Mortgage Company |
| 3 | GUARANTEED RATE, INC. | 89 | 79 | 70 | 401 | Independent Mortgage Company |
| 4 | CORNERSTONE CAPITAL BANK, SSB | 89 | 61 | 85 | 93 | Bank |
| 5 | VANDERBILT MORTGAGE AND FINANCE, INC. | 89 | 79 | 86 | 76 | Independent Mortgage Company |
| 6 | MOVEMENT MORTGAGE, LLC | 88 | 45 | 81 | 305 | Independent Mortgage Company |
| 7 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 90 | Independent Mortgage Company |
| 8 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 73 | Independent Mortgage Company |
| 9 | Prosperity Home Mortgage, LLC | 85 | 64 | 73 | 62 | Independent Mortgage Company |
| 10 | NAVY FEDERAL CREDIT UNION | 83 | 91 | 59 | 143 | Credit Union |
| 11 | Towne Bank | 83 | 41 | 82 | 124 | Bank |
| 12 | American Security Mortgage Corp. | 83 | 58 | 87 | 99 | Independent Mortgage Company |
| 13 | NBKC BANK | 83 | 91 | 75 | 24 | Bank |
| 14 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 554 | Independent Mortgage Company |
| 15 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 80 | 33 | 85 | 351 | Independent Mortgage Company |
| 16 | NEWREZ LLC | 79 | 47 | 63 | 139 | Independent Mortgage Company |
| 17 | INTERCOASTAL MORTGAGE, LLC | 79 | 46 | 81 | 94 | Independent Mortgage Company |
| 18 | LOANDEPOT.COM, LLC | 79 | 53 | 69 | 92 | Independent Mortgage Company |
| 19 | CMG MORTGAGE, INC. | 77 | 54 | 81 | 38 | Independent Mortgage Company |
| 20 | Integrity Home Mortgage Corporation | 75 | 40 | 80 | 151 | Independent Mortgage Company |
| 21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 33 | 83 | 93 | Independent Mortgage Company |
| 22 | Truist Bank | 74 | 71 | 60 | 136 | Bank |
| 23 | Primis Mortgage Company | 74 | 44 | 70 | 103 | Independent Mortgage Company |
| 24 | LOANSTEADY LLC | 74 | 59 | 70 | 48 | Independent Mortgage Company |
| 25 | USAA Federal Savings Bank | 73 | 62 | 58 | 35 | Bank |
| 26 | PENTAGON FEDERAL CREDIT UNION | 73 | 66 | 58 | 18 | Credit Union |
| 27 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 32 | 71 | 164 | Independent Mortgage Company |
| 28 | Mortgage Research Center, LLC | 71 | 34 | 61 | 101 | Independent Mortgage Company |
| 29 | UNION HOME MORTGAGE CORP. | 71 | 25 | 79 | 63 | Independent Mortgage Company |
| 30 | NATIONSTAR MORTGAGE LLC | 71 | 20 | 69 | 57 | Independent Mortgage Company |
| 31 | Alcova Mortgage LLC | 70 | 32 | 86 | 39 | Independent Mortgage Company |
| 32 | T2 FINANCIAL LLC | 70 | 22 | 82 | 34 | Independent Mortgage Company |
| 33 | Blue Ridge Bank, National Association | 69 | 43 | 61 | 28 | Bank |
| 34 | GUILD MORTGAGE COMPANY LLC | 66 | 22 | 77 | 30 | Independent Mortgage Company |
| 35 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 26 | 51 | 20 | Independent Mortgage Company |
| 36 | RELIANCE FIRST CAPITAL, LLC | 56 | N/A | 91 | 25 | 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.