Home purchase lenders in Johnston County
4,599 home purchase mortgages were made in Johnston County, North Carolina, in 2025, by 349 lenders. The median rate their borrowers got was 6.250% on a median loan of $315,000. Of 5,257 decisions, 531 were denials — 10.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| STATE EMPLOYEES' | 354 | 5.875% | $295,000 | 11.7% |
| LENNAR MORTGAGE, LLC | 255 | 5.125% | $255,000 | 13.0% |
| Fairway Independent Mortgage Corporation | 219 | 6.250% | $295,000 | 0.9% |
| MOVEMENT MORTGAGE, LLC | 188 | 6.250% | $325,000 | 6.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 173 | 6.375% | $305,000 | 5.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 160 | 6.490% | $275,000 | 34.3% |
| Rocket Mortgage, LLC | 144 | 6.500% | $315,000 | 10.4% |
| VELOCIO MORTGAGE L.L.C. | 130 | 3.990% | $325,000 | 5.1% |
| American Security Mortgage Corp. | 98 | 6.375% | $335,000 | 4.6% |
| First-Citizens Bank & Trust Company | 92 | 5.625% | $235,000 | 8.0% |
| DHI MORTGAGE COMPANY, LTD. | 89 | 4.990% | $305,000 | 23.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 83 | 6.575% | $315,000 | 0.0% |
| Loandepot.Com, LLC | 83 | 5.125% | $345,000 | 15.2% |
| Towne Bank | 83 | 6.110% | $405,000 | 6.7% |
| Mortgage Research Center, LLC | 81 | 6.375% | $345,000 | 13.8% |
| CORNERSTONE CAPITAL BANK, SSB | 76 | 5.990% | $335,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 68 | 6.375% | $310,000 | 2.9% |
| PULTE MORTGAGE LLC | 67 | 5.875% | $445,000 | 6.9% |
| Truist Bank | 67 | 6.125% | $305,000 | 8.2% |
| Navy Federal Credit Union | 63 | 6.000% | $335,000 | 5.9% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 63 | 6.375% | $295,000 | 0.0% |
| KS BANK, INC. | 59 | Not published | $335,000 | 3.2% |
| Wells Fargo Bank, National Association | 58 | 6.125% | $315,000 | 14.7% |
| NFM, INC. | 57 | 6.625% | $265,000 | 1.7% |
| FIRST HOME MORTGAGE CORPORATION | 55 | 6.490% | $275,000 | 3.5% |
| FREEDOM MORTGAGE CORPORATION | 46 | 6.250% | $405,000 | 8.0% |
| MATTAMY HOME FUNDING, LLC | 44 | 5.250% | $430,000 | 8.3% |
| FBC MORTGAGE, LLC | 39 | 5.625% | $445,000 | 9.3% |
| Alcova Mortgage LLC | 38 | 6.375% | $305,000 | 5.0% |
| PENNYMAC LOAN SERVICES, LLC | 36 | 5.999% | $360,000 | 11.9% |
| COASTAL Federal Credit Union | 35 | 6.500% | $385,000 | 9.5% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 34 | 6.625% | $250,000 | 2.9% |
| JPMorgan Chase Bank, National Association | 33 | 6.375% | $285,000 | 5.7% |
| CMG MORTGAGE, INC. | 33 | 6.688% | $325,000 | 5.1% |
| Prosperity Home Mortgage, LLC | 33 | 6.500% | $355,000 | 0.0% |
| United Community Bank | 29 | 6.625% | $305,000 | 12.1% |
| UNION HOME MORTGAGE CORP. | 29 | 6.188% | $285,000 | 0.0% |
| Bank of America, National Association | 28 | 6.188% | $275,000 | 15.2% |
| First National Bank of America | 28 | 8.750% | $250,000 | 3.5% |
| GUILD MORTGAGE COMPANY | 27 | 6.250% | $305,000 | 0.0% |
| GUARANTEED RATE, INC. | 24 | 6.525% | $305,000 | 4.0% |
| THE LOAN STORE, INC. | 24 | 6.490% | $315,000 | 0.0% |
| First Heritage Mortgage, LLC | 24 | 6.428% | $320,000 | 0.0% |
| Broker Solutions, Inc. | 23 | 7.000% | $295,000 | 8.0% |
| North State Bank | 23 | 6.490% | $285,000 | 4.2% |
| GoPrime Mortgage, Inc. | 23 | 6.750% | $315,000 | 0.0% |
| U.S. Bank National Association | 22 | 6.188% | $380,000 | 17.9% |
| First National Bank of Pennsylvania | 21 | 6.500% | $255,000 | 16.0% |
| LOWER, LLC | 21 | 6.500% | $285,000 | 4.6% |
| Primis Mortgage Company | 21 | 6.625% | $285,000 | 4.6% |
| T2 FINANCIAL LLC | 21 | 6.750% | $325,000 | 8.7% |
| PNC Bank, National Association | 20 | 6.375% | $300,000 | 13.0% |
| Kiavi Funding, Inc. | 19 | 9.990% | $205,000 | 8.7% |
| NVR Mortgage Finance, Inc. | 18 | 6.188% | $295,000 | 14.3% |
| VISION LENDING SERVICES, LLC | 17 | 5.990% | $345,000 | 0.0% |
| 21st Mortgage Corporation | 16 | 10.405% | $110,000 | 66.0% |
| Fifth Third Bank, National Association | 16 | 6.438% | $345,000 | 10.5% |
| EQUITY RESOURCES, INC. | 16 | 6.625% | $280,000 | 0.0% |
| Towne Mortgage of the Carolinas, LLC | 16 | 6.563% | $335,000 | 5.9% |
| KBHS HOME LOANS, LLC | 15 | 5.950% | $305,000 | 0.0% |
| NEWREZ LLC | 15 | 6.250% | $335,000 | 16.7% |
| City Lending Inc. | 15 | 7.500% | $265,000 | 25.0% |
| INTERCAP LENDING INC. | 15 | 5.990% | $505,000 | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 14 | 6.438% | $330,000 | 11.8% |
| OriginPoint, LLC | 14 | 6.363% | $315,000 | 12.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 14 | 6.375% | $350,000 | 0.0% |
| LATINO COMMUNITY CREDIT UNION | 14 | 7.625% | $275,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 13 | 6.500% | $295,000 | 0.0% |
| CORPORATE INVESTORS MORTGAGE GROUP, INC | 13 | 6.375% | $315,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 6.125% | $345,000 | 0.0% |
| First Federal Bank | 13 | Not published | $425,000 | 0.0% |
| AML FUNDING LLC | 12 | 6.000% | $315,000 | 14.3% |
| AgCarolina Farm Credit, FLCA | 11 | 7.980% | $245,000 | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 11 | 6.750% | $335,000 | 8.3% |
| Click n' Close, Inc. | 11 | 8.125% | $265,000 | 15.4% |
| CHURCHILL MORTGAGE CORPORATION | 11 | 6.500% | $315,000 | 0.0% |
| KIND LENDING, LLC | 10 | 6.563% | $340,000 | 28.6% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 10 | 6.750% | $325,000 | 0.0% |
| Southern Bank and Trust Company | 10 | 6.663% | $355,000 | 8.3% |
| NATIONSTAR MORTGAGE LLC | 10 | 6.808% | $325,000 | 9.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 10 | 6.688% | $305,000 | 0.0% |
| FIRST EQUITY MORTGAGE INCORPORATED | 9 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| AHL FUNDING | 9 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Ixonia Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| The Fidelity Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| JAMS-01, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 46.7% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 9.1% |
| Paramount Residential Mortgage Group, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| REPUBLIC STATE MORTGAGE CO. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 8 | Under 10 loans | Under 10 loans | 11.1% |
| SUCCESS LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| SELF-HELP Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Ameris Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ENCOMPASS LENDING GROUP, LP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| BAYSHORE MORTGAGE FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| DEVELOPER'S MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 43.5% |
| SOUTHWEST STAGE FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SCHUMACHER MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Pinnacle Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Southern First Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATION ONE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Blue Ridge Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Park Lane Finance Solutions, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 42.9% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 80.0% |
| COUNTRYPLACE MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Carolina Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| C & F Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, 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 149 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.