Home purchase lenders in Davidson County
2,502 home purchase mortgages were made in Davidson County, North Carolina, in 2025, by 251 lenders. The median rate their borrowers got was 6.500% on a median loan of $250,000. Of 3,025 decisions, 419 were denials — 13.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 391 | 6.500% | $235,000 | 0.3% |
| DHI MORTGAGE COMPANY, LTD. | 194 | 4.990% | $315,000 | 22.0% |
| STATE EMPLOYEES' | 139 | 6.150% | $235,000 | 22.1% |
| MOVEMENT MORTGAGE, LLC | 109 | 6.625% | $235,000 | 1.6% |
| Rocket Mortgage, LLC | 94 | 6.625% | $235,000 | 8.6% |
| Fairway Independent Mortgage Corporation | 82 | 6.625% | $225,000 | 2.3% |
| First National Bank of Pennsylvania | 81 | 6.375% | $295,000 | 10.8% |
| INSPIRE HOME LOANS INC. | 74 | 6.000% | $265,000 | 8.1% |
| Mortgage Research Center, LLC | 66 | 6.500% | $280,000 | 2.9% |
| Pinnacle Bank | 59 | 6.625% | $205,000 | 6.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 56 | 6.625% | $235,000 | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 54 | 6.495% | $240,000 | 1.7% |
| UNION HOME MORTGAGE CORP. | 50 | 6.625% | $265,000 | 0.0% |
| Ixonia Bank | 49 | 6.750% | $215,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 43 | 7.990% | $215,000 | 74.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 43 | 6.499% | $275,000 | 10.2% |
| CANOPY MORTGAGE, LLC | 42 | 6.500% | $200,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 38 | 6.500% | $210,000 | 0.0% |
| Truist Bank | 36 | 6.490% | $230,000 | 16.3% |
| The Fidelity Bank | 31 | 6.875% | $315,000 | 0.0% |
| GUARANTEED RATE, INC. | 30 | 6.275% | $260,000 | 0.0% |
| Alcova Mortgage LLC | 25 | 6.625% | $205,000 | 0.0% |
| Truliant Federal Credit Union | 23 | 6.750% | $215,000 | 6.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 21 | 6.000% | $235,000 | 0.0% |
| Kiavi Funding, Inc. | 21 | 9.950% | $175,000 | 4.4% |
| JPMorgan Chase Bank, National Association | 18 | 6.375% | $265,000 | 18.2% |
| Atlantic Coast Mortgage, LLC | 18 | 6.563% | $200,000 | 0.0% |
| Wells Fargo Bank, National Association | 17 | 6.500% | $285,000 | 29.2% |
| ENVOY MORTGAGE, LTD | 16 | 6.688% | $240,000 | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | 16 | 6.313% | $225,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 16 | 6.250% | $315,000 | 0.0% |
| Navy Federal Credit Union | 15 | 6.375% | $315,000 | 16.7% |
| Broker Solutions, Inc. | 15 | 6.990% | $215,000 | 6.3% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 14 | 6.658% | $240,000 | 6.7% |
| Ameris Bank | 14 | 6.495% | $255,000 | 0.0% |
| CMG MORTGAGE, INC. | 13 | 6.563% | $255,000 | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 12 | 6.125% | $265,000 | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 11 | 6.250% | $285,000 | 8.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 11 | 6.375% | $265,000 | 0.0% |
| EQUITY RESOURCES, INC. | 10 | 6.625% | $185,000 | 0.0% |
| NEWREZ LLC | 10 | 6.250% | $285,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| SUMMIT FUNDING, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Bank OZK | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 8 | Under 10 loans | Under 10 loans | 35.7% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Loandepot.Com, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 79.0% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Wolfe Financial, Inc | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LOCAL GOVERNMENT | 5 | Under 10 loans | Under 10 loans | 28.6% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LATINO COMMUNITY CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 42.3% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Summit Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Uwharrie Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Piedmont Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SCHUMACHER MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| American Security Mortgage Corp. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AgSouth Farm Credit, ACA | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Towne Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Primis Mortgage Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Union Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| C & F Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Select Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 25.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| United Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORPORATE INVESTORS MORTGAGE GROUP, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Legacy Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Blue Ridge Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Carter Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 894500CFQPXSLHK0OK52 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 66.7% |
| COASTAL Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SELF-HELP Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Acre Mortgage & Financial, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PIEDMONT ADVANTAGE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYPORT FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Mortgage of the Carolinas, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Park National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RAPID MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Marine Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Oak Ridge | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Aurora Financial, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 51 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.