Mortgage lenders in Randolph County
3,200 mortgages were made in Randolph County, North Carolina, in 2025, by 280 lenders. The median rate their borrowers got was 6.500% on a median loan of $185,000. Of 4,605 decisions, 1,220 were denials — 26.5%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| STATE EMPLOYEES' | 429 | 6.250% | $135,000 | 29.0% |
| Truliant Federal Credit Union | 284 | 7.250% | $75,000 | 45.6% |
| Rocket Mortgage, LLC | 242 | 6.750% | $160,000 | 19.2% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 224 | 6.490% | $225,000 | 2.1% |
| Truist Bank | 100 | 6.750% | $125,000 | 26.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 97 | 6.000% | $235,000 | 12.1% |
| DHI MORTGAGE COMPANY, LTD. | 79 | 5.375% | $305,000 | 22.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 76 | 6.600% | $245,000 | 2.5% |
| Pinnacle Bank | 68 | 6.625% | $125,000 | 15.1% |
| Wolfe Financial, Inc | 65 | 6.500% | $265,000 | 1.5% |
| MOVEMENT MORTGAGE, LLC | 60 | 6.625% | $245,000 | 1.4% |
| The Fidelity Bank | 51 | 7.250% | $205,000 | 14.3% |
| Alcova Mortgage LLC | 49 | 6.625% | $235,000 | 3.6% |
| FREEDOM MORTGAGE CORPORATION | 48 | 6.250% | $265,000 | 6.0% |
| Mortgage Research Center, LLC | 45 | 6.125% | $265,000 | 30.9% |
| First Bank | 44 | 7.250% | $205,000 | 18.2% |
| PENNYMAC LOAN SERVICES, LLC | 39 | 5.875% | $265,000 | 13.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 38 | 9.500% | $130,000 | 74.4% |
| Loandepot.Com, LLC | 33 | 6.990% | $155,000 | 24.4% |
| Fairway Independent Mortgage Corporation | 32 | 6.625% | $230,000 | 13.5% |
| UNION HOME MORTGAGE CORP. | 32 | 6.500% | $240,000 | 5.7% |
| Ameris Bank | 29 | 6.250% | $215,000 | 0.0% |
| PNC Bank, National Association | 27 | 7.350% | $115,000 | 51.8% |
| Navy Federal Credit Union | 27 | 7.750% | $75,000 | 18.2% |
| First National Bank of Pennsylvania | 27 | 6.540% | $205,000 | 29.0% |
| GUARANTEED RATE, INC. | 26 | 6.350% | $255,000 | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 26 | 6.125% | $325,000 | 6.5% |
| First-Citizens Bank & Trust Company | 24 | 6.375% | $105,000 | 17.7% |
| CANOPY MORTGAGE, LLC | 24 | 6.500% | $255,000 | 14.3% |
| NEWREZ LLC | 23 | 6.250% | $275,000 | 41.0% |
| LOWER, LLC | 23 | 6.250% | $195,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 22 | 6.933% | $125,000 | 15.4% |
| GUILD MORTGAGE COMPANY | 21 | 6.875% | $205,000 | 7.4% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 20 | 6.625% | $205,000 | 0.0% |
| Broker Solutions, Inc. | 18 | 7.250% | $195,000 | 28.0% |
| Wells Fargo Bank, National Association | 18 | 6.375% | $210,000 | 30.8% |
| 21st Mortgage Corporation | 17 | 9.960% | $75,000 | 67.3% |
| AmeriSave Mortgage Corporation | 15 | 6.500% | $135,000 | 70.0% |
| Bank of America, National Association | 15 | 6.490% | $155,000 | 55.9% |
| VILLAGE CAPITAL & INVESTMENT LLC | 14 | 6.250% | $255,000 | 28.0% |
| Bank OZK | 14 | 6.500% | $125,000 | 22.2% |
| First Horizon Bank | 13 | 7.770% | $105,000 | 59.5% |
| LOCAL GOVERNMENT | 13 | 8.250% | $45,000 | 53.3% |
| CMG MORTGAGE, INC. | 13 | 6.125% | $235,000 | 5.3% |
| Equity Prime Mortgage LLC | 12 | 6.750% | $235,000 | 29.4% |
| U.S. Bank National Association | 12 | 6.688% | $185,000 | 45.5% |
| ALLEGACY FEDERAL CREDIT UNION | 12 | 5.750% | $80,000 | 0.0% |
| Coastal Community Bank | 11 | 8.490% | $55,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 6.250% | $215,000 | 26.7% |
| JPMorgan Chase Bank, National Association | 11 | 6.490% | $225,000 | 8.3% |
| Ixonia Bank | 11 | 6.875% | $275,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 6.500% | $185,000 | 46.4% |
| SPRING EQ, LLC | 10 | 9.188% | $50,000 | 52.2% |
| FIGURE LENDING LLC | 10 | 10.400% | $100,000 | 39.1% |
| PLAZA HOME MORTGAGE, INC. | 10 | 6.625% | $225,000 | 37.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | 10 | 5.938% | $200,000 | 16.7% |
| LATINO COMMUNITY CREDIT UNION | 10 | 7.750% | $215,000 | 16.7% |
| COASTAL Federal Credit Union | 10 | 6.813% | $190,000 | 16.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 10 | 10.628% | $60,000 | 9.1% |
| Kiavi Funding, Inc. | 9 | Under 10 loans | Under 10 loans | 16.7% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Uwharrie Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 57.9% |
| EQUITY RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| AgSouth Farm Credit, ACA | 8 | Under 10 loans | Under 10 loans | 20.0% |
| ENVOY MORTGAGE, LTD | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 7 | Under 10 loans | Under 10 loans | 28.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Click n' Close, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 6 | Under 10 loans | Under 10 loans | 27.3% |
| MLD MORTGAGE INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Select Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| MORTGAGE INVESTORS GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Atlantic Union Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Fifth Third Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Regions Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| SKYLINE NATIONAL BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SKYLA FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AgFirst Farm Credit Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| United Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST BANCORP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 68.4% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 77.8% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Empeople Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LANGLEY Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Mortgage of the Carolinas, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Piedmont Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Oak Ridge | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 37.9% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 75.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Loan Investment Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SELF-HELP Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MYCUMORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CAPITAL CENTER, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CIS Financial Services, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southern First Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 894500CFQPXSLHK0OK52 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HANCOCK WHITNEY BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MassMutual Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GVC MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Blue Ridge Bank, National Association | 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 80 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Randolph County
23 FDIC-insured branches from 11 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Pinnacle Bank | 3 | $443.3 million |
| First Horizon Bank | 3 | $300.5 million |
| First Bank | 3 | $254.8 million |
| The Fidelity Bank | 3 | $235.9 million |
| Wells Fargo Bank, National Association | 2 | $267.1 million |
| Truist Bank | 2 | $204.5 million |
| PNC Bank, National Association | 2 | $129.4 million |
| Woodforest National Bank | 2 | $12.1 million |
| Bank OZK | 1 | $88.7 million |
| First-Citizens Bank & Trust Company | 1 | $78.3 million |
| Movement Bank | 1 | $37.0 million |
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When the next year’s lending figures are out for Randolph County, or a lender arrives or leaves.
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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.