Mortgage Lender Index

Mortgage lenders in Wake County

32,310 mortgages were made in Wake County, North Carolina, in 2025, by 659 lenders. The median rate their borrowers got was 6.490% on a median loan of $315,000. Of 41,676 decisions, 7,775 were denials — 18.7%, most often for debt-to-income ratio.

LenderMortgages madeMedian rateMedian loanDenied
STATE EMPLOYEES' 3,417 6.250% $205,000 27.6%
UNITED SHORE FINANCIAL SERVICES, LLC 2,180 6.125% $455,000 10.0%
COASTAL Federal Credit Union 1,659 7.400% $125,000 24.4%
Rocket Mortgage, LLC 1,652 6.625% $285,000 13.5%
First-Citizens Bank & Trust Company 1,178 6.250% $230,000 19.0%
LENNAR MORTGAGE, LLC 1,143 5.250% $365,000 9.0%
Truist Bank 856 6.300% $245,000 35.0%
Bank of America, National Association 625 6.125% $205,000 34.3%
MOVEMENT MORTGAGE, LLC 609 6.562% $395,000 1.8%
PULTE MORTGAGE LLC 542 5.500% $385,000 6.2%
PENNYMAC LOAN SERVICES, LLC 537 6.375% $375,000 10.0%
First National Bank of Pennsylvania 527 6.250% $285,000 24.4%
Navy Federal Credit Union 494 7.650% $195,000 27.2%
DHI MORTGAGE COMPANY, LTD. 452 4.990% $315,000 16.8%
Loandepot.Com, LLC 447 5.875% $325,000 18.3%
CROSSCOUNTRY MORTGAGE, INC. 416 6.625% $405,000 2.1%
Fifth Third Bank, National Association 373 6.990% $275,000 34.7%
NVR Mortgage Finance, Inc. 372 5.990% $305,000 16.2%
PNC Bank, National Association 369 7.000% $145,000 26.3%
JPMorgan Chase Bank, National Association 341 6.375% $365,000 7.1%
Prosperity Home Mortgage, LLC 332 6.500% $405,000 4.1%
VANDERBILT MORTGAGE AND FINANCE, INC. 324 5.875% $345,000 25.6%
Towne Bank 321 6.625% $365,000 5.4%
First Heritage Mortgage, LLC 290 6.500% $395,000 2.0%
Fairway Independent Mortgage Corporation 289 6.625% $385,000 5.8%
M/I FINANCIAL, LLC 282 5.875% $495,000 0.0%
FREEDOM MORTGAGE CORPORATION 280 6.125% $355,000 11.3%
Wells Fargo Bank, National Association 259 6.250% $370,000 14.5%
Taylor Morrison Home Funding, Inc. 242 5.750% $455,000 5.5%
American Security Mortgage Corp. 236 6.375% $405,000 0.8%
NFM, INC. 221 6.375% $325,000 0.9%
NEWREZ LLC 212 6.625% $335,000 31.2%
ZILLOW HOME LOANS, LLC 204 6.375% $335,000 3.7%
THE LOAN STORE, INC. 202 6.625% $285,000 5.1%
CMG MORTGAGE, INC. 197 6.375% $485,000 6.6%
MATTAMY HOME FUNDING, LLC 193 6.250% $515,000 10.7%
VELOCIO MORTGAGE L.L.C. 190 4.990% $375,000 3.1%
NATIONSTAR MORTGAGE LLC 187 8.750% $125,000 13.5%
PROVIDENT FUNDING ASSOCIATES, L.P. 185 6.250% $455,000 4.6%
North State Bank 184 6.563% $350,000 3.1%
GUARANTEED RATE, INC. 178 6.500% $400,000 5.7%
The Fidelity Bank 149 7.500% $275,000 17.7%
Mortgage Research Center, LLC 143 6.125% $435,000 34.7%
CORPORATE INVESTORS MORTGAGE GROUP, INC 141 6.490% $475,000 2.1%
Third Federal Savings and Loan Association of Cleveland 139 6.990% $155,000 27.0%
FIGURE LENDING LLC 133 10.150% $75,000 23.7%
Citizens Bank, National Association 129 7.400% $205,000 27.1%
JET HOMELOANS, LP 126 4.990% $375,000 1.5%
United Community Bank 121 6.500% $255,000 25.8%
SPRING EQ, LLC 120 9.075% $105,000 59.7%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 119 6.625% $425,000 0.0%
General Mortgage Capital Corporation 116 6.499% $325,000 1.7%
SOFI BANK, NATIONAL ASSOCIATION 114 6.940% $185,000 15.3%
U.S. Bank National Association 114 7.058% $250,000 33.1%
KBHS HOME LOANS, LLC 114 5.750% $335,000 10.8%
Alcova Mortgage LLC 113 6.624% $375,000 0.8%
GUILD MORTGAGE COMPANY 112 6.500% $335,000 2.5%
T2 FINANCIAL LLC 110 6.625% $385,000 5.6%
GoPrime Mortgage, Inc. 110 6.625% $365,000 2.7%
Coastal Community Bank 109 9.990% $75,000 1.7%
MUTUAL OF OMAHA MORTGAGE, INC. 109 6.250% $365,000 18.1%
BETTER MORTGAGE CORPORATION 108 7.125% $280,000 38.0%
Broker Solutions, Inc. 103 6.625% $315,000 21.9%
TOLL BROTHERS MORTGAGE COMPANY 102 6.375% $405,000 6.5%
EQUITY RESOURCES, INC. 101 6.500% $405,000 6.5%
FIRST HOME MORTGAGE CORPORATION 100 6.490% $370,000 2.0%
AmeriSave Mortgage Corporation 96 8.500% $115,000 64.1%
UNION HOME MORTGAGE CORP. 94 6.500% $405,000 3.9%
The Central Trust Bank 91 6.500% $385,000 3.2%
Pinnacle Bank 85 6.625% $185,000 29.8%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 82 6.490% $350,000 1.2%
PENTAGON FEDERAL CREDIT UNION 81 7.500% $265,000 45.6%
CORNERSTONE CAPITAL BANK, SSB 81 6.500% $335,000 1.2%
OriginPoint, LLC 80 6.375% $385,000 4.7%
LANGLEY Federal Credit Union 75 4.990% $315,000 23.5%
Towne Mortgage of the Carolinas, LLC 73 6.625% $335,000 1.4%
First Bank 70 6.624% $420,000 18.2%
LAKEVIEW LOAN SERVICING, LLC 66 6.250% $315,000 59.6%
SouthState Bank, National Association 65 6.340% $385,000 16.7%
LOWER, LLC 64 6.500% $335,000 7.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY 64 6.188% $365,000 5.5%
USAA Federal Savings Bank 63 6.375% $405,000 35.1%
Kiavi Funding, Inc. 62 10.495% $275,000 12.3%
UNIVERSITY Federal Credit Union 61 6.500% $375,000 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation 60 5.995% $480,000 5.4%
AMWEST FUNDING CORP. 59 6.750% $465,000 9.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. 58 6.625% $295,000 3.3%
Lendage, LLC 55 10.875% $65,000 23.3%
Morgan Stanley Private Bank, National Association 54 5.950% $735,000 3.5%
254900YZ174H294JW398 52 6.375% $375,000 0.0%
Primis Mortgage Company 52 6.688% $300,000 0.0%
EMM LOANS LLC 51 6.375% $355,000 0.0%
Discover Bank 50 8.900% $80,000 75.7%
REPUBLIC STATE MORTGAGE CO. 50 6.625% $405,000 0.0%
CARRINGTON MORTGAGE SERVICES, LLC 49 6.625% $225,000 55.6%
NBKC BANK 49 6.250% $405,000 20.6%
A&D Mortgage LLC 49 6.125% $415,000 2.0%
CAPITAL CENTER, L.L.C. 48 6.125% $340,000 11.1%
RESICENTRAL, LLC 48 6.490% $465,000 0.0%
KIND LENDING, LLC 47 6.750% $345,000 32.9%
HOWARD HANNA FINANCIAL SERVICES, INC. 47 6.521% $375,000 2.0%
The Federal Savings Bank 46 6.625% $320,000 9.6%
First Horizon Bank 46 7.250% $300,000 28.4%
V.I.P. MORTGAGE, INC. 46 6.625% $405,000 2.1%
LOCAL GOVERNMENT 45 8.000% $65,000 40.0%
Regions Bank 45 4.990% $250,000 36.6%
HOMEBRIDGE FINANCIAL SERVICES, INC. 45 10.225% $155,000 10.0%
VILLAGE CAPITAL & INVESTMENT LLC 42 5.750% $365,000 18.1%
FIRST COMMUNITY MORTGAGE, INC. 42 6.500% $355,000 11.8%
Ameris Bank 41 6.625% $345,000 6.8%
Plains Commerce Bank 40 6.500% $425,000 4.8%
FIRST EQUITY MORTGAGE INCORPORATED 39 6.375% $345,000 15.2%
GoodLeap, LLC 39 9.450% $95,000 20.0%
Heritage Mortgage, LLC 38 6.000% $350,000 2.6%
TD Bank, National Association 37 7.290% $215,000 28.3%
Southern Bank and Trust Company 37 7.000% $255,000 8.7%
GUIDANCE RESIDENTIAL, LLC 36 6.875% $385,000 5.3%
AMERICAN FINANCIAL RESOURCES, INC. 36 6.625% $315,000 2.7%
Tomo Mortgage, LLC 35 6.375% $445,000 30.0%
Ixonia Bank 35 6.750% $345,000 0.0%
ALLIANT CREDIT UNION 34 6.500% $370,000 30.6%
RELIANCE FIRST CAPITAL, LLC 34 6.375% $255,000 2.6%
Paramount Residential Mortgage Group, Inc. 34 7.125% $465,000 2.9%
Southern First Bank 33 7.000% $255,000 0.0%
RESOURCE FINANCIAL SERVICES, INC. 32 6.625% $330,000 0.0%
Filo Mortgage, L.L.C. 30 6.625% $340,000 0.0%
Barrington Bank & Trust Company, National Association 30 6.688% $460,000 3.2%
First National Bank of America 30 8.875% $260,000 3.2%
254900M2C4Q6DATP2889 29 5.990% $305,000 23.7%
HomeTrust Bank 29 7.250% $285,000 9.1%
JAMS-01, INC. 29 6.625% $375,000 0.0%
PHH Mortgage Corporation 28 5.990% $375,000 15.2%
Citibank, National Association 28 6.313% $320,000 14.7%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 28 6.000% $340,000 10.0%
Empeople Credit Union 28 5.995% $325,000 20.0%
FBC MORTGAGE, LLC 28 5.620% $350,000 9.7%
NexBank 28 6.500% $425,000 9.7%
AML FUNDING LLC 27 6.625% $295,000 12.9%
LATINO COMMUNITY CREDIT UNION 27 7.375% $235,000 10.0%
21st Mortgage Corporation 26 10.795% $70,000 81.8%
Equity Prime Mortgage LLC 26 6.438% $335,000 16.1%
SUN WEST MORTGAGE COMPANY, INC. 26 6.063% $380,000 16.7%
BAY EQUITY LLC 26 6.624% $340,000 3.7%
CORNING CREDIT UNION 26 6.008% $215,000 3.6%
HOMESTEAD FUNDING CORP. 25 5.875% $355,000 0.0%
Integrity Home Mortgage Corporation 25 6.125% $365,000 0.0%
ALLEGACY FEDERAL CREDIT UNION 24 5.750% $115,000 22.6%
The Huntington National Bank 24 6.250% $665,000 16.7%
CHURCHILL MORTGAGE CORPORATION 24 6.438% $395,000 0.0%
Summit Credit Union 24 Not published $100,000 0.0%
DIGITAL 23 5.875% $485,000 26.5%
Bethpage Federal Credit Union 23 6.490% $205,000 52.8%
PLAZA HOME MORTGAGE, INC. 23 6.000% $405,000 36.1%
First Federal Bank 22 6.188% $400,000 8.0%
DEEPHAVEN MORTGAGE LLC 22 7.438% $215,000 38.9%
SOUTHERN TRUST MORTGAGE, LLC 22 6.813% $315,000 4.4%
Truliant Federal Credit Union 21 7.500% $155,000 44.7%
QUORUM FEDERAL CREDIT UNION 21 8.875% $105,000 25.0%
American Airlines Federal Credit Union 21 7.125% $105,000 28.1%
FINANCE OF AMERICA REVERSE LLC 21 6.125% $205,000 4.6%
CHAMPIONS FUNDING, LLC 20 7.875% $355,000 28.6%
MORTGAGE SOLUTIONS OF COLORADO, LLC 20 7.750% $335,000 3.7%
R T P Federal Credit Union 20 7.550% $85,000 12.5%
HOMEOWNERS FINANCIAL GROUP USA, LLC 20 6.625% $390,000 0.0%
Flagstar Bank, N.A. 19 6.487% $585,000 31.0%
United Nations Federal Credit Union 19 6.125% $425,000 24.0%
SFMC, LP 19 6.875% $535,000 0.0%
PIKE CREEK MORTGAGE SERVICES, INC. 19 6.500% $595,000 0.0%
ROUNDPOINT MORTGAGE SERVICING LLC 19 4.000% $315,000 5.0%
Charles Schwab Bank, SSB 19 5.700% $835,000 5.0%
NEW DAY FINANCIAL, LLC 18 6.990% $290,000 63.6%
Citadel Servicing Corporation 18 7.688% $260,000 3.6%
Commerce Home Mortgage, Inc. 18 7.500% $270,000 14.3%
FlexPoint, Inc. 18 6.875% $335,000 0.0%
AMERICAN HERITAGE LENDING, LLC 18 7.250% $265,000 4.8%
Benchmark Community Bank 18 6.625% $450,000 4.8%
AMERIHOME MORTGAGE COMPANY, LLC 17 6.375% $315,000 19.1%
PLANET HOME LENDING, LLC 17 5.990% $295,000 32.1%
LONGBRIDGE FINANCIAL, LLC 17 6.125% $215,000 18.2%
Northpointe Bank 17 6.125% $515,000 0.0%
DEVELOPER'S MORTGAGE COMPANY 17 6.125% $465,000 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION 17 6.875% $435,000 10.5%
FIRST COLONY MORTGAGE CORPORATION 17 6.625% $375,000 0.0%
FIRST ALLIANCE HOME MORTGAGE, LLC 17 6.375% $335,000 0.0%
AMERICAN INTERNET MORTGAGE, INC. 16 5.875% $300,000 15.0%
Valon Mortgage, Inc. 16 9.925% $75,000 29.6%
ANGEL OAK MORTGAGE SOLUTIONS LLC 16 7.374% $390,000 20.0%
TOWER Federal Credit Union 16 7.000% $215,000 22.7%
Northwest Federal Credit Union 16 7.125% $130,000 5.0%
CAROLINAS TELCO FEDERAL CREDIT UNION 16 6.500% $205,000 5.9%
Premia Mortgage, LLC DBA Premia Relocation Mortgage 16 5.988% $530,000 0.0%
Baxter Credit Union 15 6.750% $145,000 9.5%
Carter Bank & Trust 15 6.750% $255,000 5.9%
AMERICAN FINANCING CORPORATION 14 5.688% $235,000 60.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. 14 5.375% $480,000 22.2%
AHL FUNDING 14 6.750% $315,000 0.0%
INTERCOASTAL MORTGAGE, LLC 14 6.688% $215,000 0.0%
SUCCESS MORTGAGE PARTNERS, INC. 14 6.125% $440,000 0.0%
First Carolina Bank 14 Not published $425,000 0.0%
MASON MCDUFFIE MORTGAGE CORPORATION 14 6.808% $490,000 0.0%

Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 459 lenders each made 14 or fewer mortgages here, and are counted in the totals above.

Bank branches in Wake County

242 FDIC-insured branches from 36 banks, as of 30 June 2026, with the deposits held at them.

BankBranches hereDeposits
Wells Fargo Bank, National Association 29$7.5 billion
Truist Bank 28$7.0 billion
Fifth Third Bank, National Association 23$1.0 billion
Bank of America, National Association 19$4.2 billion
First-Citizens Bank & Trust Company 18$70.1 billion
JPMorgan Chase Bank, National Association 18$981.4 million
PNC Bank, National Association 16$4.1 billion
The Fidelity Bank 13$1.3 billion
First Horizon Bank 11$1.4 billion
First National Bank of Pennsylvania 10$790.1 million
North State Bank 6$1.1 billion
Pinnacle Bank 6$1.1 billion
TowneBank 5$2.1 billion
Woodforest National Bank 5$23.2 million
First Bank 4$390.0 million
United Community Bank 4$355.4 million
FSNB, National Association 3$4.5 million
First Carolina Bank 2$1.4 billion
HomeTrust Bank 2$182.2 million
SouthState Bank, National Association 2$134.3 million
KS Bank, Inc. 2$92.5 million
Mechanics & Farmers Bank 2$48.9 million
Southern First Bank 1$275.3 million
Regions Bank 1$154.4 million
The Huntington National Bank 1$110.5 million
Piedmont Federal Savings Bank 1$110.4 million
Southern Bank and Trust Company 1$105.4 million
Atlantic Union Bank 1$71.3 million
United Bank 1$68.7 million
Capital Bank, National Association 1$58.3 million
Carter Bank & Trust 1$46.5 million
Providence Bank 1$41.4 million
First Federal Bank 1$36.6 million
Farmers & Merchants Bank 1$34.0 million
TD Bank, National Association 1$25.2 million
Benchmark Community Bank 1$25.1 million

Closed since the 2025 survey

5 branches in the 2025 survey have no 2026 row: closed, sold, or moved.

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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.