Top Mortgage Lenders in North Carolina (2025)
In 2025, 1,122 lenders made 279,764 home loans worth $88.6 billion in North Carolina, according to Home Mortgage Disclosure Act (HMDA) data. The five largest made 23.0% of them. State Employees' Credit Union made the most. Below: the top 25 lenders overall, then the top lenders for each kind of loan.
The 25 largest mortgage lenders in North Carolina, 2025
Ranked by the number of home loans each lender made (originated) in North Carolina in 2025, wherever the lender is based.
| # | Lender | Loans made | Loan volume | Avg. loan | Market share | Denial rate |
|---|---|---|---|---|---|---|
| 1 | State Employees' Credit Union Raleigh, NC | 27,575 | $5.3B | $193,000 | 9.9% | 30.2% |
| 2 | United Wholesale Mortgage Plymouth, MI | 13,671 | $4.9B | $357,000 | 4.9% | 13.1% |
| 3 | Movement Mortgage, LLC Indian Land, SC | 8,138 | $2.6B | $321,000 | 2.9% | 3.0% |
| 4 | Truist Bank Raleigh, NC | 7,935 | $2.3B | $287,000 | 2.8% | 34.5% |
| 5 | First Ciitizens Bank and Trust Raleigh, NC | 6,984 | $2.0B | $291,000 | 2.5% | 21.6% |
| 6 | Atlantic Bay Mortgage Group Virginia Beach, VA | 6,052 | $1.8B | $300,000 | 2.2% | 1.4% |
| 7 | DHI Mortgage Company, Ltd. Austin, TX | 5,258 | $1.6B | $309,000 | 1.9% | 16.4% |
| 8 | Navy Federal Credit Union Vienna, VA | 5,249 | $1.2B | $224,000 | 1.9% | 27.7% |
| 9 | First National Bank of Pa Hermitage, PA | 5,046 | $1.7B | $327,000 | 1.8% | 22.8% |
| 10 | Bank of America NA Westlake Village, CA | 4,880 | $1.4B | $287,000 | 1.7% | 36.9% |
| 11 | Mortgage Research Center Columbia, MO | 4,769 | $1.5B | $311,000 | 1.7% | 26.8% |
| 12 | Freedom Mortgage Corporation Boca Raton, FL | 4,463 | $1.4B | $317,000 | 1.6% | 11.4% |
| 13 | Crosscountry Mortgage, LLC Cleveland, OH | 4,431 | $1.5B | $330,000 | 1.6% | 4.1% |
| 14 | loanDepot.com LLC Irvine, CA | 3,969 | $1.0B | $259,000 | 1.4% | 28.1% |
| 15 | PennyMac Loan Services LLC Westlake Village, CA | 3,751 | $1.4B | $366,000 | 1.3% | 14.9% |
| 16 | Truliant Federal Credit Union Winston Salem, NC | 3,466 | $426.6M | $123,000 | 1.2% | 49.6% |
| 17 | Coastal Federal Credit Union Raleigh, NC | 3,167 | $636.8M | $201,000 | 1.1% | 28.0% |
| 18 | Fairway Independent Mort Corp Madison, WI | 2,993 | $887.4M | $296,000 | 1.1% | 4.9% |
| 19 | Newrez LLC Fort Washington, PA | 2,787 | $835.3M | $300,000 | 1.0% | 29.3% |
| 20 | Lennar Mortgage, LLC Miami, FL | 2,756 | $875.0M | $318,000 | 1.0% | 9.9% |
| 21 | American Security Mortgage Cor Charlotte, NC | 2,599 | $1.1B | $422,000 | 0.9% | 1.0% |
| 22 | Vanderbilt Mortgage and Finance, Inc Maryville, TN | 2,515 | $623.3M | $248,000 | 0.9% | 66.8% |
| 23 | Guaranteed Rate, Inc. Chicago, IL | 2,491 | $798.2M | $320,000 | 0.9% | 9.0% |
| 24 | PNC Bank N.A. Pittsburgh, PA | 2,361 | $674.8M | $286,000 | 0.8% | 33.9% |
| 25 | JPMorgan Chase Bank, NA Columbus, OH | 2,307 | $1.1B | $465,000 | 0.8% | 9.2% |
Top Home Purchase Lenders in North Carolina
976 lenders made 149,117 home purchase loans worth $55.1 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | State Employees' Credit Union Raleigh, NC | 10,080 | 6.8% |
| 2 | Movement Mortgage, LLC Indian Land, SC | 6,563 | 4.4% |
| 3 | Atlantic Bay Mortgage Group Virginia Beach, VA | 5,545 | 3.7% |
| 4 | DHI Mortgage Company, Ltd. Austin, TX | 5,258 | 3.5% |
| 5 | United Wholesale Mortgage Plymouth, MI | 4,867 | 3.3% |
| 6 | Mortgage Research Center Columbia, MO | 3,872 | 2.6% |
| 7 | Crosscountry Mortgage, LLC Cleveland, OH | 3,317 | 2.2% |
| 8 | Lennar Mortgage, LLC Miami, FL | 2,755 | 1.8% |
| 9 | First National Bank of Pa Hermitage, PA | 2,721 | 1.8% |
| 10 | Fairway Independent Mort Corp Madison, WI | 2,644 | 1.8% |
Top Refinance Lenders in North Carolina
650 lenders made 45,035 refinance loans worth $17.6 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 5,695 | 12.6% |
| 2 | State Employees' Credit Union Raleigh, NC | 4,393 | 9.8% |
| 3 | Freedom Mortgage Corporation Boca Raton, FL | 2,650 | 5.9% |
| 4 | Truist Bank Raleigh, NC | 1,932 | 4.3% |
| 5 | First Ciitizens Bank and Trust Raleigh, NC | 1,725 | 3.8% |
| 6 | PennyMac Loan Services LLC Westlake Village, CA | 1,526 | 3.4% |
| 7 | First National Bank of Pa Hermitage, PA | 909 | 2.0% |
| 8 | Bank of America NA Westlake Village, CA | 885 | 2.0% |
| 9 | Truliant Federal Credit Union Winston Salem, NC | 732 | 1.6% |
| 10 | Newrez LLC Fort Washington, PA | 696 | 1.5% |
Top Cash-Out Refinance Lenders in North Carolina
506 lenders made 36,471 cash-out refinance loans worth $9.2 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 3,109 | 8.5% |
| 2 | State Employees' Credit Union Raleigh, NC | 2,916 | 8.0% |
| 3 | Amerisave Mortgage Company Sandy Springs, GA | 1,305 | 3.6% |
| 4 | loanDepot.com LLC Irvine, CA | 1,057 | 2.9% |
| 5 | Freedom Mortgage Corporation Boca Raton, FL | 988 | 2.7% |
| 6 | PennyMac Loan Services LLC Westlake Village, CA | 951 | 2.6% |
| 7 | Newrez LLC Fort Washington, PA | 865 | 2.4% |
| 8 | Movement Mortgage, LLC Indian Land, SC | 660 | 1.8% |
| 9 | Carrington Mortgage Services LLC Orange, CA | 568 | 1.6% |
| 10 | Navy Federal Credit Union Vienna, VA | 563 | 1.5% |
Top FHA Lenders in North Carolina
402 lenders made 34,963 FHA loans worth $9.9 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 2,446 | 7.0% |
| 2 | DHI Mortgage Company, Ltd. Austin, TX | 1,830 | 5.2% |
| 3 | Movement Mortgage, LLC Indian Land, SC | 1,553 | 4.4% |
| 4 | Atlantic Bay Mortgage Group Virginia Beach, VA | 1,390 | 4.0% |
| 5 | Freedom Mortgage Corporation Boca Raton, FL | 1,366 | 3.9% |
| 6 | loanDepot.com LLC Irvine, CA | 1,334 | 3.8% |
| 7 | Crosscountry Mortgage, LLC Cleveland, OH | 1,324 | 3.8% |
| 8 | PennyMac Loan Services LLC Westlake Village, CA | 938 | 2.7% |
| 9 | New American Funding, Llc. Tustin, CA | 665 | 1.9% |
| 10 | NVR Mortgage Finance, Inc. Pittsburgh, PA | 609 | 1.7% |
Top VA Lenders in North Carolina
375 lenders made 34,486 VA loans worth $12.1 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Mortgage Research Center Columbia, MO | 4,414 | 12.8% |
| 2 | United Wholesale Mortgage Plymouth, MI | 3,811 | 11.1% |
| 3 | Freedom Mortgage Corporation Boca Raton, FL | 2,732 | 7.9% |
| 4 | Navy Federal Credit Union Vienna, VA | 1,635 | 4.7% |
| 5 | PennyMac Loan Services LLC Westlake Village, CA | 1,157 | 3.4% |
| 6 | Movement Mortgage, LLC Indian Land, SC | 1,149 | 3.3% |
| 7 | Newrez LLC Fort Washington, PA | 992 | 2.9% |
| 8 | DHI Mortgage Company, Ltd. Austin, TX | 906 | 2.6% |
| 9 | Crosscountry Mortgage, LLC Cleveland, OH | 761 | 2.2% |
| 10 | Village Capital & Investment Henderson, NV | 543 | 1.6% |
Top USDA Lenders in North Carolina
155 lenders made 1,274 USDA loans worth $324.0 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Atlantic Bay Mortgage Group Virginia Beach, VA | 106 | 8.3% |
| 2 | DHI Mortgage Company, Ltd. Austin, TX | 63 | 4.9% |
| 3 | Crosscountry Mortgage, LLC Cleveland, OH | 57 | 4.5% |
| 4 | Alcova Mortgage, LLC Roanoke, VA | 52 | 4.1% |
| 5 | Click N' Close, Inc. Addison, TX | 52 | 4.1% |
| 6 | Movement Mortgage, LLC Indian Land, SC | 48 | 3.8% |
| 7 | Guild Mortgage Company San Diego, CA | 39 | 3.1% |
| 8 | Velocio Mortgage, L.L.C. Houston, TX | 31 | 2.4% |
| 9 | Fairway Independent Mort Corp Madison, WI | 31 | 2.4% |
| 10 | American Financial Resources LLC Parsippany, NJ | 31 | 2.4% |
Get the lender lists
The North Carolina mortgage lender list has the 574 lenders based in North Carolina, with addresses, phone numbers and their applications and dollar volume every year since 2003 ($149 for 2025, $298 for 2003–2025). The U.S. lender list has all 17,667 lenders, including the national lenders ranked above.
North Carolina lender list U.S. lender listHow this ranking works
- Source: the loan records lenders filed for 2025 under the Home Mortgage Disclosure Act, published by the FFIEC and the CFPB in 2026, totaled by lender for homes in North Carolina.
- Lenders are ranked by loans made, the number of loans they originated; loan volume is those loans' total amount. Loans bought from other lenders are not counted.
- Market share is the lender's share of all such loans made in North Carolina. Denial rate is applications denied, divided by applications approved or denied.
- Lenders are listed under the name and city on their HMDA filing. Lenders that have asked not to appear on AllMortgageDetail are left out.
More on North Carolina
North Carolina mortgage data by county and metro area · mortgage lenders by city in North Carolina
Nationwide rankings: All loans · Purchase · Refinance · Cash-out refi · FHA · VA · USDA
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