Home purchase lenders in Wake County
17,172 home purchase mortgages were made in Wake County, North Carolina, in 2025, by 554 lenders. The median rate their borrowers got was 6.250% on a median loan of $375,000. Of 19,254 decisions, 1,629 were denials — 8.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| STATE EMPLOYEES' | 1,231 | 5.825% | $355,000 | 12.3% |
| LENNAR MORTGAGE, LLC | 1,143 | 5.250% | $365,000 | 9.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 644 | 6.500% | $425,000 | 7.8% |
| PULTE MORTGAGE LLC | 542 | 5.500% | $385,000 | 6.2% |
| Rocket Mortgage, LLC | 532 | 6.500% | $365,000 | 7.1% |
| MOVEMENT MORTGAGE, LLC | 462 | 6.562% | $405,000 | 1.5% |
| DHI MORTGAGE COMPANY, LTD. | 452 | 4.990% | $315,000 | 16.6% |
| NVR Mortgage Finance, Inc. | 372 | 5.990% | $305,000 | 16.2% |
| Truist Bank | 346 | 6.250% | $405,000 | 12.1% |
| First-Citizens Bank & Trust Company | 339 | 6.000% | $415,000 | 10.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 323 | 6.625% | $405,000 | 0.6% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 317 | 5.875% | $345,000 | 26.0% |
| M/I FINANCIAL, LLC | 282 | 5.875% | $495,000 | 0.0% |
| First Heritage Mortgage, LLC | 280 | 6.500% | $395,000 | 1.1% |
| Prosperity Home Mortgage, LLC | 276 | 6.625% | $405,000 | 1.1% |
| Loandepot.Com, LLC | 270 | 4.990% | $365,000 | 8.5% |
| JPMorgan Chase Bank, National Association | 260 | 6.375% | $395,000 | 5.3% |
| PENNYMAC LOAN SERVICES, LLC | 245 | 6.624% | $405,000 | 5.7% |
| COASTAL Federal Credit Union | 244 | 6.500% | $400,000 | 4.1% |
| Towne Bank | 244 | 6.490% | $375,000 | 2.4% |
| Taylor Morrison Home Funding, Inc. | 242 | 5.750% | $455,000 | 5.5% |
| Fairway Independent Mortgage Corporation | 234 | 6.625% | $390,000 | 4.5% |
| NFM, INC. | 206 | 6.375% | $325,000 | 1.0% |
| American Security Mortgage Corp. | 206 | 6.490% | $405,000 | 0.5% |
| ZILLOW HOME LOANS, LLC | 203 | 6.375% | $335,000 | 3.7% |
| Bank of America, National Association | 193 | 6.000% | $365,000 | 17.7% |
| MATTAMY HOME FUNDING, LLC | 193 | 6.250% | $515,000 | 10.7% |
| VELOCIO MORTGAGE L.L.C. | 190 | 4.990% | $375,000 | 3.1% |
| Wells Fargo Bank, National Association | 186 | 6.250% | $425,000 | 11.0% |
| Navy Federal Credit Union | 177 | 6.125% | $405,000 | 11.8% |
| Fifth Third Bank, National Association | 163 | 6.125% | $495,000 | 7.3% |
| First National Bank of Pennsylvania | 163 | 6.250% | $465,000 | 9.4% |
| North State Bank | 155 | 6.625% | $345,000 | 3.1% |
| THE LOAN STORE, INC. | 138 | 6.625% | $325,000 | 3.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 127 | 6.375% | $475,000 | 3.0% |
| JET HOMELOANS, LP | 126 | 4.990% | $375,000 | 1.5% |
| GUARANTEED RATE, INC. | 120 | 6.500% | $425,000 | 0.8% |
| KBHS HOME LOANS, LLC | 114 | 5.750% | $335,000 | 10.8% |
| CORPORATE INVESTORS MORTGAGE GROUP, INC | 114 | 6.490% | $485,000 | 0.9% |
| CMG MORTGAGE, INC. | 111 | 6.500% | $465,000 | 6.1% |
| Mortgage Research Center, LLC | 109 | 6.125% | $425,000 | 10.5% |
| TOLL BROTHERS MORTGAGE COMPANY | 102 | 6.375% | $405,000 | 6.5% |
| Alcova Mortgage LLC | 102 | 6.624% | $380,000 | 0.9% |
| GUILD MORTGAGE COMPANY | 98 | 6.563% | $340,000 | 1.0% |
| T2 FINANCIAL LLC | 93 | 6.625% | $385,000 | 4.8% |
| GoPrime Mortgage, Inc. | 91 | 6.750% | $365,000 | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 88 | 6.490% | $370,000 | 2.2% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 87 | 6.625% | $425,000 | 0.0% |
| EQUITY RESOURCES, INC. | 82 | 6.624% | $420,000 | 3.5% |
| NEWREZ LLC | 79 | 6.625% | $375,000 | 5.8% |
| CORNERSTONE CAPITAL BANK, SSB | 75 | 6.500% | $335,000 | 1.3% |
| The Central Trust Bank | 71 | 6.625% | $405,000 | 0.0% |
| OriginPoint, LLC | 70 | 6.325% | $425,000 | 2.8% |
| Towne Mortgage of the Carolinas, LLC | 69 | 6.625% | $355,000 | 0.0% |
| Broker Solutions, Inc. | 67 | 6.625% | $375,000 | 5.6% |
| UNION HOME MORTGAGE CORP. | 67 | 6.625% | $415,000 | 1.4% |
| General Mortgage Capital Corporation | 67 | 6.500% | $325,000 | 2.9% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 66 | 6.490% | $330,000 | 1.5% |
| PNC Bank, National Association | 61 | 6.375% | $370,000 | 21.5% |
| UNIVERSITY Federal Credit Union | 61 | 6.500% | $375,000 | 0.0% |
| Kiavi Funding, Inc. | 57 | 10.700% | $265,000 | 9.4% |
| United Community Bank | 56 | 6.500% | $365,000 | 16.4% |
| U.S. Bank National Association | 52 | 6.688% | $340,000 | 10.2% |
| 254900YZ174H294JW398 | 52 | 6.375% | $375,000 | 0.0% |
| USAA Federal Savings Bank | 49 | 6.375% | $435,000 | 33.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 49 | 6.375% | $355,000 | 3.6% |
| EMM LOANS LLC | 49 | 6.375% | $355,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 48 | 6.688% | $305,000 | 0.0% |
| Primis Mortgage Company | 47 | 6.625% | $295,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 45 | 6.250% | $385,000 | 8.2% |
| Pinnacle Bank | 45 | 6.250% | $305,000 | 6.1% |
| BETTER MORTGAGE CORPORATION | 44 | 6.438% | $445,000 | 20.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 44 | 6.531% | $365,000 | 2.2% |
| REPUBLIC STATE MORTGAGE CO. | 44 | 6.625% | $390,000 | 0.0% |
| LOWER, LLC | 43 | 6.624% | $355,000 | 4.4% |
| Morgan Stanley Private Bank, National Association | 42 | 5.913% | $775,000 | 2.3% |
| RESICENTRAL, LLC | 41 | 6.490% | $465,000 | 0.0% |
| FIRST EQUITY MORTGAGE INCORPORATED | 39 | 6.375% | $345,000 | 15.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 39 | 6.375% | $445,000 | 2.4% |
| Heritage Mortgage, LLC | 38 | 6.000% | $350,000 | 2.6% |
| Plains Commerce Bank | 38 | 6.500% | $430,000 | 5.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 38 | 6.563% | $395,000 | 12.8% |
| NBKC BANK | 36 | 6.375% | $415,000 | 10.0% |
| Tomo Mortgage, LLC | 35 | 6.375% | $445,000 | 30.0% |
| KIND LENDING, LLC | 34 | 6.688% | $345,000 | 33.3% |
| NATIONSTAR MORTGAGE LLC | 33 | 6.500% | $375,000 | 0.0% |
| A&D Mortgage LLC | 31 | 6.375% | $415,000 | 3.1% |
| Ixonia Bank | 31 | 6.750% | $345,000 | 0.0% |
| The Fidelity Bank | 30 | 6.875% | $435,000 | 2.9% |
| V.I.P. MORTGAGE, INC. | 30 | 6.625% | $420,000 | 0.0% |
| JAMS-01, INC. | 29 | 6.625% | $375,000 | 0.0% |
| First National Bank of America | 28 | 8.813% | $255,000 | 3.5% |
| Ameris Bank | 28 | 6.625% | $315,000 | 3.5% |
| GUIDANCE RESIDENTIAL, LLC | 28 | 6.875% | $385,000 | 3.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | 27 | 6.625% | $315,000 | 3.6% |
| 21st Mortgage Corporation | 26 | 10.795% | $70,000 | 81.3% |
| Filo Mortgage, L.L.C. | 26 | 6.813% | $305,000 | 0.0% |
| FBC MORTGAGE, LLC | 26 | 5.620% | $345,000 | 3.7% |
| SouthState Bank, National Association | 26 | 6.438% | $520,000 | 10.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 25 | 6.120% | $485,000 | 6.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 25 | 6.500% | $465,000 | 3.9% |
| PENTAGON FEDERAL CREDIT UNION | 25 | 6.250% | $385,000 | 26.5% |
| AMWEST FUNDING CORP. | 25 | 6.875% | $295,000 | 10.7% |
| BAY EQUITY LLC | 25 | 6.624% | $345,000 | 3.9% |
| The Federal Savings Bank | 25 | 6.625% | $305,000 | 3.9% |
| AML FUNDING LLC | 24 | 6.563% | $300,000 | 11.1% |
| Barrington Bank & Trust Company, National Association | 23 | 6.875% | $455,000 | 0.0% |
| First Bank | 23 | 6.574% | $445,000 | 4.0% |
| RESOURCE FINANCIAL SERVICES, INC. | 23 | 6.625% | $325,000 | 0.0% |
| LATINO COMMUNITY CREDIT UNION | 23 | 7.375% | $255,000 | 0.0% |
| First Horizon Bank | 20 | 6.625% | $605,000 | 9.1% |
| CAPITAL CENTER, L.L.C. | 20 | 6.375% | $305,000 | 0.0% |
| NexBank | 19 | 6.625% | $435,000 | 13.6% |
| Integrity Home Mortgage Corporation | 19 | 6.500% | $365,000 | 0.0% |
| ALLIANT CREDIT UNION | 18 | 6.375% | $425,000 | 5.3% |
| SFMC, LP | 18 | 6.875% | $520,000 | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 18 | 6.813% | $335,000 | 5.3% |
| First Federal Bank | 17 | 6.375% | $475,000 | 5.3% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 17 | 6.625% | $385,000 | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 17 | 6.500% | $385,000 | 0.0% |
| CORNING CREDIT UNION | 17 | 6.125% | $335,000 | 0.0% |
| Citibank, National Association | 16 | 5.938% | $870,000 | 0.0% |
| Regions Bank | 16 | 6.188% | $310,000 | 15.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 16 | 7.750% | $345,000 | 0.0% |
| Empeople Credit Union | 16 | 5.995% | $340,000 | 5.9% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 16 | 6.563% | $590,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 16 | 6.933% | $290,000 | 5.9% |
| HomeTrust Bank | 15 | 6.000% | $285,000 | 6.3% |
| DEVELOPER'S MORTGAGE COMPANY | 14 | 6.125% | $470,000 | 0.0% |
| AHL FUNDING | 14 | 6.750% | $315,000 | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 14 | 7.438% | $265,000 | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 14 | 7.125% | $215,000 | 17.7% |
| FlexPoint, Inc. | 14 | 6.813% | $355,000 | 0.0% |
| Commerce Home Mortgage, Inc. | 14 | 7.500% | $270,000 | 12.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 14 | 6.875% | $440,000 | 12.5% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 14 | 5.988% | $500,000 | 0.0% |
| Benchmark Community Bank | 14 | 6.625% | $450,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 13 | 8.125% | $365,000 | 27.8% |
| Citadel Servicing Corporation | 13 | 7.500% | $285,000 | 5.3% |
| Citizens Bank, National Association | 13 | 6.650% | $395,000 | 23.5% |
| PLAZA HOME MORTGAGE, INC. | 13 | 6.125% | $505,000 | 31.6% |
| Flagstar Bank, N.A. | 13 | 6.487% | $475,000 | 13.3% |
| Southern First Bank | 13 | 6.875% | $275,000 | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 13 | 6.625% | $205,000 | 0.0% |
| The Huntington National Bank | 13 | 6.375% | $495,000 | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 13 | 6.624% | $345,000 | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 13 | 6.624% | $315,000 | 0.0% |
| Charles Schwab Bank, SSB | 13 | 5.700% | $815,000 | 7.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 12 | 7.058% | $325,000 | 7.1% |
| City Lending Inc. | 12 | 7.250% | $320,000 | 25.0% |
| Southern Bank and Trust Company | 12 | 6.588% | $385,000 | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 12 | 6.990% | $495,000 | 0.0% |
| TD Bank, National Association | 11 | 6.500% | $675,000 | 25.0% |
| United Nations Federal Credit Union | 11 | 6.250% | $325,000 | 0.0% |
| Carter Bank & Trust | 11 | 6.750% | $535,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 10 | 6.557% | $505,000 | 9.1% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 10 | 6.750% | $475,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 10 | 6.750% | $330,000 | 0.0% |
| Providence Bank | 10 | Not published | $820,000 | 0.0% |
| DIGITAL | 9 | Under 10 loans | Under 10 loans | 30.8% |
| SUCCESS LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| ARC HOME LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Beeline Loans, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Blue Ridge Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| ACOPIA, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First Carolina Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Loansteady LLC | 7 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| TOWNE MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 16.7% |
| SELF-HELP Credit Union | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Strong Home Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| FIDELITY DIRECT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| HOMESTEAD FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 20.0% |
| ENVOY MORTGAGE, LTD | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 354 lenders each made 6 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.