Mortgage lenders in North Carolina

279 lenders originated 263,798 mortgages in North Carolina in 2025, about 94% of everything lent in the state. What each of them charged.

Lenders here: 279
State median rate: 6.500%
State median fees: $5,316

Every lender that originated at least 1,000 mortgages nationally in 2025 and lent in North Carolina, ranked by loans made here. Together they account for 94% of the 281,159 mortgages originated in the state; the rest came from smaller lenders that fall below the threshold. The last column is how much of each lender's national business is in North Carolina — a local institution and a national one can sit on the same row with very different reasons for being here.

Lender	Loans here	Median fees	Median rate	Share of its book
STATE EMPLOYEES'	27,575	$4,411	6.250%	97.1%
Rocket Mortgage, LLC	18,462	$5,288	6.625%	4.3%
UNITED SHORE FINANCIAL SERVICES, LLC	13,671	$7,493	6.125%	3.2%
MOVEMENT MORTGAGE, LLC	8,138	$5,735	6.625%	14.1%
Truist Bank	7,920	$4,611	6.500%	19.3%
First-Citizens Bank & Trust Company	6,984	$4,258	6.375%	48.6%
ATLANTIC BAY MORTGAGE GROUP, L.L.C.	6,049	$7,378	6.625%	46.3%
DHI MORTGAGE COMPANY, LTD.	5,258	$4,480	5.125%	7.6%
Navy Federal Credit Union	5,249	$2,619	7.125%	6.5%
First National Bank of Pennsylvania	5,046	$3,956	6.375%	31.9%
Bank of America, National Association	4,880	$4,169	6.240%	5.5%
Mortgage Research Center, LLC	4,769	$5,040	6.250%	5.8%
FREEDOM MORTGAGE CORPORATION	4,463	$5,925	6.125%	6.4%
CROSSCOUNTRY MORTGAGE, INC.	4,431	$7,469	6.575%	3.5%
Loandepot.Com, LLC	3,969	$8,682	6.125%	4.3%
PENNYMAC LOAN SERVICES, LLC	3,751	$7,397	6.000%	3.7%
Truliant Federal Credit Union	3,466	—	7.250%	82.4%
COASTAL Federal Credit Union	3,167	$3,245	7.400%	98.6%
Fairway Independent Mortgage Corporation	2,993	$6,225	6.625%	4.0%
NEWREZ LLC	2,787	$6,749	6.250%	4.2%
LENNAR MORTGAGE, LLC	2,756	$1,405	5.375%	4.8%
American Security Mortgage Corp.	2,599	$4,990	6.375%	89.3%
VANDERBILT MORTGAGE AND FINANCE, INC.	2,515	$7,345	7.750%	12.6%
GUARANTEED RATE, INC.	2,491	$5,363	6.525%	3.5%
PNC Bank, National Association	2,361	$4,428	7.350%	3.9%
JPMorgan Chase Bank, National Association	2,307	$4,092	6.375%	2.4%
Wells Fargo Bank, National Association	2,302	$4,539	6.250%	5.5%
Fifth Third Bank, National Association	2,216	$3,827	7.250%	5.6%
UNION HOME MORTGAGE CORP.	2,127	$6,639	6.563%	5.6%
GUILD MORTGAGE COMPANY	1,957	$6,670	6.500%	2.3%
NATIONSTAR MORTGAGE LLC	1,949	$3,234	7.250%	3.7%
NVR Mortgage Finance, Inc.	1,829	$7,103	6.125%	11.2%
Towne Bank	1,749	$6,372	6.625%	30.0%
Alcova Mortgage LLC	1,682	$5,201	6.625%	27.2%
Broker Solutions, Inc.	1,619	$8,173	6.750%	2.8%
ALLEGACY FEDERAL CREDIT UNION	1,562	$4,578	5.750%	91.6%
PULTE MORTGAGE LLC	1,555	$948	5.750%	8.3%
United Community Bank	1,511	$5,649	6.500%	20.1%
First Bank	1,492	$4,646	6.875%	91.6%
Kiavi Funding, Inc.	1,435	—	9.950%	5.6%
MUTUAL OF OMAHA MORTGAGE, INC.	1,387	$7,845	6.375%	5.7%
Southern Bank and Trust Company	1,358	$6,294	7.250%	87.2%
AmeriSave Mortgage Corporation	1,353	$5,507	7.500%	5.6%
Prosperity Home Mortgage, LLC	1,281	$5,270	6.490%	6.1%
Pinnacle Bank	1,222	$4,007	6.625%	22.0%
FIGURE LENDING LLC	1,212	—	10.363%	3.6%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD.	1,185	$7,138	6.625%	16.8%
CMG MORTGAGE, INC.	1,177	$6,636	6.625%	1.7%
NFM, INC.	1,137	$8,098	6.490%	6.0%
U.S. Bank National Association	1,134	$4,136	6.750%	1.5%
SPRING EQ, LLC	1,116	$1,786	9.150%	3.5%
ZILLOW HOME LOANS, LLC	1,090	$5,879	6.500%	7.6%
The Fidelity Bank	1,081	$4,666	7.500%	91.8%
LOWER, LLC	1,047	$6,888	6.500%	5.8%
THE LOAN STORE, INC.	1,029	$5,722	6.625%	2.6%
CORNING CREDIT UNION	1,002	$3,309	6.313%	45.0%
Coastal Community Bank	962	—	10.240%	4.5%
Citizens Bank, National Association	931	$5,412	7.400%	1.4%
SouthState Bank, National Association	928	$4,542	6.590%	9.3%
Primis Mortgage Company	922	$7,782	6.624%	32.3%
CORNERSTONE CAPITAL BANK, SSB	910	$6,762	6.250%	11.9%
HOWARD HANNA FINANCIAL SERVICES, INC.	894	$4,772	6.625%	20.0%
HomeTrust Bank	880	$4,343	7.000%	45.7%
SOFI BANK, NATIONAL ASSOCIATION	865	$2,367	6.990%	5.3%
21st Mortgage Corporation	810	$6,852	10.150%	2.9%
JET HOMELOANS, LP	785	$8,791	4.990%	14.8%
Ixonia Bank	765	$6,716	6.750%	9.1%
T2 FINANCIAL LLC	762	$7,998	6.625%	8.2%
Integrity Home Mortgage Corporation	752	$5,917	6.625%	24.2%
AMERICAN FINANCIAL RESOURCES, INC.	727	$9,590	6.375%	6.4%
M/I FINANCIAL, LLC	723	$13,530	5.875%	10.3%
VILLAGE CAPITAL & INVESTMENT LLC	705	$5,768	5.750%	6.5%
First Heritage Mortgage, LLC	691	$6,374	6.500%	9.4%
First Horizon Bank	690	$4,229	7.250%	8.2%
USAA Federal Savings Bank	681	$4,627	6.375%	5.8%
CARRINGTON MORTGAGE SERVICES, LLC	680	$7,834	6.499%	4.5%
Atlantic Coast Mortgage, LLC	673	$5,706	6.625%	11.7%
Third Federal Savings and Loan Association of Cleveland	672	—	6.990%	3.2%
PROVIDENT FUNDING ASSOCIATES, L.P.	669	$3,915	6.375%	5.5%
BETTER MORTGAGE CORPORATION	664	$4,297	7.250%	4.6%
GoPrime Mortgage, Inc.	659	$6,123	6.500%	45.1%
Ameris Bank	634	$5,977	6.625%	4.8%
Taylor Morrison Home Funding, Inc.	633	$2,874	5.750%	7.2%
LAKEVIEW LOAN SERVICING, LLC	610	$4,812	6.250%	3.7%
VELOCIO MORTGAGE L.L.C.	598	$8,638	4.990%	10.3%
MATTAMY HOME FUNDING, LLC	576	$2,876	5.500%	21.8%
RELIANCE FIRST CAPITAL, LLC	562	$8,420	6.625%	14.2%
TD Bank, National Association	555	$3,564	7.000%	2.4%
NEW DAY FINANCIAL, LLC	548	$10,679	6.990%	6.5%
Regions Bank	544	$5,093	6.125%	1.8%
Lendage, LLC	534	—	11.375%	4.9%
PENTAGON FEDERAL CREDIT UNION	517	$5,018	7.375%	4.7%
PLAZA HOME MORTGAGE, INC.	515	$7,467	6.490%	3.5%
Equity Prime Mortgage LLC	500	$12,367	6.625%	4.1%
KBHS HOME LOANS, LLC	493	$6,639	5.875%	5.6%
UNITED FEDERAL CREDIT UNION	485	$4,134	7.000%	15.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	480	$8,121	6.500%	3.8%
PRIMARY RESIDENTIAL MORTGAGE, INC.	479	$6,449	6.625%	5.0%
GoodLeap, LLC	468	$10,043	6.375%	4.8%
SOUTHERN TRUST MORTGAGE, LLC	467	$6,640	6.500%	22.3%
HOMEBRIDGE FINANCIAL SERVICES, INC.	461	$4,863	10.100%	2.7%
FOUNDERS FEDERAL CREDIT UNION	460	$3,680	6.250%	19.9%
EQUITY RESOURCES, INC.	439	$4,191	6.625%	15.0%
KIND LENDING, LLC	420	$7,538	6.750%	1.4%
United Bank	419	$4,599	7.000%	13.5%
PLANET HOME LENDING, LLC	417	$4,393	5.990%	2.9%
The Federal Savings Bank	413	$9,377	6.500%	5.0%
INSPIRE HOME LOANS INC.	408	$6,708	6.063%	6.2%
MORTGAGE SOLUTIONS OF COLORADO, LLC	404	$5,251	7.750%	6.5%
INTERCOASTAL MORTGAGE, LLC	400	$3,900	6.625%	15.1%
Click n' Close, Inc.	399	$4,094	6.875%	3.7%
PRIMELENDING, A PLAINSCAPITAL COMPANY	393	$6,245	6.490%	1.6%
DEEPHAVEN MORTGAGE LLC	355	$7,988	7.375%	4.4%
NBKC BANK	354	$3,303	6.125%	5.2%
FIRST COMMUNITY MORTGAGE, INC.	350	$7,994	6.500%	3.4%
FIRST HOME MORTGAGE CORPORATION	347	$7,280	6.500%	6.6%
ENVOY MORTGAGE, LTD	341	$7,880	6.625%	6.2%
Loansteady LLC	334	$5,615	6.490%	26.6%
LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation	318	$4,071	6.120%	5.5%
Atlantic Union Bank	317	$5,635	7.250%	6.2%
EMM LOANS LLC	314	$8,013	6.375%	4.8%
Discover Bank	313	—	8.680%	3.2%
CANOPY MORTGAGE, LLC	313	$8,159	6.500%	3.7%
FBC MORTGAGE, LLC	313	$8,140	5.490%	5.2%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	308	$6,514	6.625%	4.5%
Morgan Stanley Private Bank, National Association	301	$4,199	5.950%	2.8%
Renasant Bank	301	$5,764	6.500%	3.4%
Plains Commerce Bank	298	$6,722	6.625%	2.4%
CALCON MUTUAL MORTGAGE LLC	297	$12,020	6.375%	7.0%
CHAMPIONS FUNDING, LLC	293	$16,097	7.500%	2.6%
OriginPoint, LLC	292	$4,998	6.375%	4.9%
TOWNE MORTGAGE COMPANY	290	$8,496	6.500%	3.9%
General Mortgage Capital Corporation	289	$4,077	6.500%	6.4%
RCN Capital, LLC	284	—	7.725%	4.0%
Bank OZK	284	—	5.990%	10.8%
ANCHOR LOANS, LP	271	—	9.000%	17.3%
The Central Trust Bank	269	$4,440	6.625%	3.7%
PHH Mortgage Corporation	262	$5,597	6.250%	3.4%
LIMA ONE CAPITAL, LLC	262	—	9.675%	11.4%
Loan Funder LLC	257	—	9.990%	2.8%
FINANCE OF AMERICA REVERSE LLC	254	—	6.125%	2.9%
AMERIHOME MORTGAGE COMPANY, LLC	253	$6,464	6.375%	2.8%
A&D Mortgage LLC	252	$6,110	6.750%	1.7%
First Federal Bank	251	$4,979	6.250%	5.4%
TOLL BROTHERS MORTGAGE COMPANY	249	$5,010	6.375%	5.0%
RF RENOVO MANAGEMENT COMPANY, LLC	248	—	7.850%	3.7%
CREDIT UNION MORTGAGE ASSOCIATION, INC.	247	$3,803	5.875%	17.8%
SUN WEST MORTGAGE COMPANY, INC.	246	$9,347	5.982%	2.9%
ANGEL OAK MORTGAGE SOLUTIONS LLC	246	$8,713	7.499%	3.9%
The Huntington National Bank	245	$4,993	6.500%	0.5%
GUARANTEED RATE AFFINITY, LLC	237	$4,765	6.575%	1.5%
First National Bank of America	235	$11,573	8.875%	8.7%
AMERICAN FINANCIAL NETWORK, INC.	233	$9,813	6.750%	1.8%
Paramount Residential Mortgage Group, Inc.	219	$7,720	6.625%	0.9%
TRIAD FINANCIAL SERVICES, INC.	216	—	8.560%	1.5%
Presidential Bank, FSB	215	$6,990	6.750%	7.0%
CAPITAL CENTER, L.L.C.	215	—	6.375%	10.6%
AMERICAN HERITAGE LENDING, LLC	214	—	7.500%	4.8%
LANGLEY Federal Credit Union	214	$4,599	6.990%	7.2%
Tomo Mortgage, LLC	212	$3,440	6.375%	6.1%
AMWEST FUNDING CORP.	208	—	6.875%	1.7%
AMERICAN PACIFIC MORTGAGE CORPORATION	207	$10,475	6.625%	0.8%
Lakeview Community Capital, LLC	202	$6,549	6.250%	4.6%
OCMBC, INC.	201	$11,849	7.499%	1.2%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	201	$10,426	6.624%	1.7%
EVERETT FINANCIAL, INC.	200	$8,789	6.625%	1.2%
C & F Mortgage Corporation	198	$6,190	6.500%	10.7%
HOMEXPRESS MORTGAGE CORP.	197	—	7.625%	2.5%
MORTGAGE INVESTORS GROUP, INC.	197	$8,329	6.375%	4.3%
Commerce Home Mortgage, Inc.	195	$12,566	7.750%	2.2%
ARK-LA-TEX FINANCIAL SERVICES, LLC.	193	$5,184	6.624%	1.3%
Gateway First Bank	193	$4,974	6.750%	2.4%
BPL MORTGAGE TRUST, LLC	182	—	7.375%	2.5%
Citadel Servicing Corporation	181	$12,179	7.875%	2.6%
Hometown Equity Mortgage, LLC	179	—	7.375%	2.4%
CHURCHILL MORTGAGE CORPORATION	178	$7,445	6.625%	2.9%
Northpointe Bank	176	$4,842	6.540%	2.8%
KEYSTONE FUNDING, INC.	176	$7,880	6.250%	4.7%
Easy Street Capital, LLC	175	—	9.900%	7.3%
MILEND, INC.	175	$12,574	6.375%	12.0%
Barrington Bank & Trust Company, National Association	174	$4,341	6.750%	2.2%
ALLIANT CREDIT UNION	173	$4,294	6.875%	2.1%
Charles Schwab Bank, SSB	172	$3,918	5.625%	2.8%
ROYAL UNITED MORTGAGE LLC	170	$6,242	7.000%	3.4%
TOP FLITE FINANCIAL, INC.	169	$12,750	6.875%	5.5%
AMERICAN FINANCING CORPORATION	168	$9,584	5.995%	3.1%
Investor Mortgage Finance LLC	168	—	7.281%	7.6%
Wolfe Financial, Inc	166	$6,489	6.625%	14.3%
SOUTHWEST STAGE FUNDING, LLC	160	$5,667	7.112%	5.8%
SUCCESS MORTGAGE PARTNERS, INC.	159	$7,962	6.625%	3.8%
Filo Mortgage, L.L.C.	159	$7,484	6.500%	6.2%
Flagstar Bank, N.A.	158	$4,887	6.625%	1.6%
RESICENTRAL, LLC	158	$6,069	6.490%	2.9%
LoanUnited.com, LLC	157	$7,805	5.990%	3.7%
Valon Mortgage, Inc.	154	—	9.550%	3.5%
Southern First Bank	154	$3,528	7.000%	11.5%
LONGBRIDGE FINANCIAL, LLC	147	—	6.125%	2.9%
BAY EQUITY LLC	147	$6,091	6.624%	3.3%
Citibank, National Association	144	$5,175	6.125%	0.9%
BoxCar Mortgage, LLC	142	—	6.750%	4.7%
TEMPLE VIEW CAPITAL FUNDING, LP	142	—	11.000%	7.5%
CLEARPATH LENDING	141	$5,062	5.625%	7.9%
TIDEWATER MORTGAGE SERVICES, INC.	141	$6,649	6.563%	8.2%
V.I.P. MORTGAGE, INC.	139	$5,021	6.625%	1.9%
QUORUM FEDERAL CREDIT UNION	137	—	8.875%	2.7%
Bethpage Federal Credit Union	136	—	6.490%	1.9%
UNIVERSITY Federal Credit Union	135	$6,144	6.500%	8.8%
VELOCITY COMMERCIAL CAPITAL, LLC	131	—	9.865%	2.6%
LENDINGONE, LLC	128	—	7.300%	5.1%
Loan Simple, Inc.	128	$11,669	6.875%	6.8%
DOMINION FINANCIAL SERVICES, LLC	127	—	8.250%	4.8%
American Airlines Federal Credit Union	127	$2,459	7.000%	6.1%
Nations Lending Corporation	126	$9,401	6.375%	1.9%
Stifel Bank and Trust	122	$3,152	6.125%	2.7%
The Park National Bank	119	—	7.250%	3.2%
NEXERA HOLDING LLC	118	$9,741	7.500%	2.0%
SOUTH RIVER MORTGAGE, LLC	118	—	8.990%	8.2%
Summit Mortgage Corporation	117	$8,505	6.625%	8.5%
Liberty	116	$4,291	6.688%	1.9%
Baxter Credit Union	115	$2,940	7.000%	3.6%
VAN DYK MORTGAGE CORPORATION	112	$4,727	6.500%	4.6%
Cornerstone First Mortgage, Inc	111	$11,365	7.250%	1.5%
UBS Bank USA	111	$4,707	5.875%	3.3%
Empeople Credit Union	109	$3,179	6.490%	5.0%
Premia Mortgage, LLC DBA Premia Relocation Mortgage	107	$700	6.375%	6.2%
LENDSURE MORTGAGE CORP.	104	—	7.625%	2.9%
Manufacturers and Traders Trust Company	103	$4,391	6.000%	0.4%
NATIONWIDE MORTGAGE BANKERS, INC.	102	$11,741	6.875%	2.6%
RESIDENTIAL WHOLESALE MORTGAGE, INC.	102	$7,986	6.490%	4.6%
TOWER Federal Credit Union	101	—	7.000%	2.8%
PREMIER MORTGAGE RESOURCES, L.L.C.	100	$5,925	6.500%	1.7%
AML FUNDING LLC	100	$6,780	6.500%	5.4%
Raymond James Bank	99	$3,848	5.500%	5.8%
REPUBLIC STATE MORTGAGE CO.	99	$7,950	6.625%	5.8%
HOMEOWNERS FINANCIAL GROUP USA, LLC	96	$5,591	6.625%	2.5%
Luminate Bank	95	$6,168	6.875%	1.1%
HOMESTEAD FUNDING CORP.	95	$3,414	5.990%	1.7%
NexBank	91	$8,137	6.500%	1.6%
FlexPoint, Inc.	89	$10,495	6.875%	2.9%
FIRST EQUITY MORTGAGE INCORPORATED	87	$4,241	6.490%	6.8%
MISSION LOANS, LLC	85	—	7.438%	3.7%
SUMMIT FUNDING, INC.	83	$8,025	6.750%	1.4%
DELMAR FINANCIAL COMPANY	83	$5,874	6.490%	3.5%
GUIDANCE RESIDENTIAL, LLC	82	$5,215	6.688%	2.9%
VICTORIAN FINANCE, LLC	82	$9,836	6.490%	7.9%
ROUNDPOINT MORTGAGE SERVICING LLC	78	$2,907	6.058%	5.5%
FIRST BANCORP, INC.	77	—	7.500%	7.5%
MICHIGAN MUTUAL, INC.	75	$6,275	6.625%	5.1%
RADIUS FINANCIAL GROUP INC.	74	$6,498	6.625%	3.9%
Sierra Pacific Mortgage Company, Inc.	72	$7,090	6.625%	1.0%
PIKE CREEK MORTGAGE SERVICES, INC.	70	$9,899	6.500%	2.5%
FIRST COLONY MORTGAGE CORPORATION	68	$6,925	6.563%	0.8%
United Nations Federal Credit Union	67	—	5.875%	4.5%
Armed Forces Bank, National Association	67	$7,948	6.125%	5.0%
ALLIED MORTGAGE GROUP, INC.	66	$8,071	6.063%	3.1%
SIRVA MORTGAGE, INC.	65	—	6.500%	5.3%
ALL CREDIT CONSIDERED MORTGAGE, INC.	63	—	7.875%	3.6%
Magnolia Bank, Incorporated	62	$8,009	6.625%	1.5%
ACOPIA, LLC	62	$7,537	6.500%	4.1%
BAYSHORE MORTGAGE FUNDING, LLC	62	$7,855	6.500%	4.8%
Northwest Federal Credit Union	62	—	7.000%	5.0%
Texana Bank, National Association	60	$6,991	6.250%	3.7%
GTE Federal Credit Union	59	—	8.250%	2.8%
AMERICAN INTERNET MORTGAGE, INC.	59	—	6.000%	4.3%
FIRST ALLIANCE HOME MORTGAGE, LLC	59	—	6.375%	4.7%
AMERITRUST MORTGAGE CORPORATION	58	—	7.250%	1.8%
University Bank	57	—	—	2.3%
ABL RPC Residential Credit Acquisition LLC	57	—	11.500%	4.8%
NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION	56	—	6.563%	3.6%
First Reliance Bank	56	—	6.750%	4.5%
SWBC MORTGAGE CORPORATION	54	$4,472	6.625%	0.8%
MLD MORTGAGE INC.	54	—	6.188%	1.1%
GENWAY HOME MORTGAGE, INC.	54	—	—	2.9%
ServisFirst Bank	54	—	7.495%	3.7%
Waterstone Mortgage Corporation	53	$7,254	6.875%	0.7%
Leader Bank, National Association	51	—	6.490%	0.8%
NEW WAVE LENDING GROUP INC	51	—	7.250%	1.2%
Dollar Bank, Federal Savings Bank	50	—	6.625%	1.0%
Emporium TPO LLC	50	—	7.250%	1.7%

Figures are medians of loans actually originated in , as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for % of loans here — see methodology.