Mortgage lenders in Jackson County
849 mortgages were made in Jackson County, North Carolina, in 2025, by 238 lenders. The median rate their borrowers got was 6.500% on a median loan of $285,000. Of 1,203 decisions, 299 were denials — 24.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| STATE EMPLOYEES' | 123 | 6.250% | $125,000 | 29.4% |
| Rocket Mortgage, LLC | 64 | 6.500% | $215,000 | 9.6% |
| United Community Bank | 56 | 6.500% | $255,000 | 36.3% |
| First-Citizens Bank & Trust Company | 37 | 6.625% | $275,000 | 26.4% |
| Bank of America, National Association | 20 | 5.875% | $490,000 | 23.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 20 | 6.500% | $310,000 | 13.0% |
| UNION HOME MORTGAGE CORP. | 20 | 6.875% | $235,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 14 | 9.500% | $115,000 | 51.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 14 | 6.933% | $260,000 | 5.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 13 | 6.990% | $275,000 | 0.0% |
| Truist Bank | 12 | 6.913% | $545,000 | 50.0% |
| Loandepot.Com, LLC | 11 | 6.625% | $395,000 | 35.3% |
| PLAZA HOME MORTGAGE, INC. | 11 | 5.990% | $255,000 | 38.9% |
| HomeTrust Bank | 11 | 7.250% | $505,000 | 8.3% |
| Mortgage Research Center, LLC | 10 | 6.250% | $310,000 | 28.6% |
| Champion Credit Union | 10 | 5.500% | $355,000 | 0.0% |
| THE LOAN STORE, INC. | 10 | 6.495% | $340,000 | 0.0% |
| Navy Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Morgan Stanley Private Bank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Ameris Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Regions Bank | 7 | Under 10 loans | Under 10 loans | 36.4% |
| FREEDOM MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Synovus Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ServisFirst Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 18.2% |
| JPMorgan Chase Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PENNYMAC LOAN SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PNC Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| American Security Mortgage Corp. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Stifel Bank and Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| TOWNE MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 37.5% |
| TD Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| First Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Pinnacle Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 80.0% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 60.0% |
| GUARANTEED RATE, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Fifth Third Bank, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Citizens Bank, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 62.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commercial Capital Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HANCOCK WHITNEY BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPUS USA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kleberg Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Tampa | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SCHUMACHER MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank OZK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 60.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 87.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Capital City Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Mountain Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GMFS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cogent Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Reliance Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank of Florida | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Classic City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Uwharrie Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SunMark Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAIRWINDS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PULTE MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Bank of Mississippi | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Carolina Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| River Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL REVERSE MORTGAGE, INC. | 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% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Publix Employees Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOME TOWN FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Dudley | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arthur State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AgSouth Farm Credit, ACA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southern First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PURDUE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Spero Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 894500CFQPXSLHK0OK52 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 50.0% |
| BMO Bank National Association | 0 | Under 10 loans | Under 10 loans | 50.0% |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| DELTA COMMUNITY CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Barrington Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NQM FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900M2C4Q6DATP2889 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Strong Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| SOUTH RIVER MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Coastal Carolina National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| FOUNDERS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Mortgage Right | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGEONE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Hanscom Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Commerce Home Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Wolfe Financial, Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| Loan Simple, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 38 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Jackson County
10 FDIC-insured branches from 5 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| United Community Bank | 3 | $319.0 million |
| Wells Fargo Bank, National Association | 3 | $178.5 million |
| First-Citizens Bank & Trust Company | 2 | $195.6 million |
| First Bank | 1 | $82.3 million |
| Jackson Savings Bank, SSB | 1 | $24.7 million |
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.