Find a better mortgage lender

Top home equity lenders in North Carolina (2025)

Open-end home equity lines of credit. Denial rates run far higher on HELOCs than on purchase mortgages, so compare these lenders only with each other.

486kApplications in NC
22.8%State decision denial rate
6.50%State median rate
Top-rated mortgage lenders Best approval odds Lowest median interest rates Largest mortgage lenders by volume Top FHA lenders Top VA lenders Top refinance lenders Top home equity lenders
North Carolina ▾
United States Alabama592 Alaska140 Arizona630 Arkansas426 California819 Colorado629 Delaware333 District of Columbia255 Florida1132 Georgia782 Guam3 Hawaii198 Idaho344 Illinois778 Indiana651 Iowa435 Kansas425 Kentucky498 Louisiana435 Maine294 Maryland548 Massachusetts535 Michigan610 Minnesota552 Mississippi356 Missouri607 Montana242 Nebraska315 Nevada380 New Hampshire335 New Jersey618 New Mexico318 New York526 North Carolina765 North Dakota164 Ohio726 Oklahoma504 Oregon444 Pennsylvania798 Puerto Rico60 Rhode Island255 South Carolina661 South Dakota179 Tennessee755 Texas1101 Utah345 Vermont155 Virginia662 Washington539 West Virginia331 Wisconsin593 Wyoming197
#LenderGradeHELOC applicationsApplicationsDenial rateMedian rate
1 State Employees'Raleigh, NC C 7,737 47,893 25.2% 6.25%
2 Truist BankCharlotte, NC C 4,156 14,364 30.3% 6.50%
3 Navy Federal Credit UnionVienna, VA D 2,560 10,565 19.4% 7.13%
4 Coastal Community BankEverett, WA C 2,330 4,068 1.7% 10.24%
5 Bank of AmericaCharlotte, NC F 2,285 10,276 28.2% 6.24%
6 Truliant Federal Credit UnionWinston Salem, NC D 2,203 7,961 44.7% 7.25%
7 First-Citizens Bank & TrustRaleigh, NC B 2,140 10,319 19.6% 6.38%
8 Spring EqConshohocken, PA D 2,052 3,563 47.7% 9.15%
9 Figure LendingCharlotte, NC C 1,602 2,424 26.5% 10.36%
10 COASTAL Federal Credit UnionRaleigh, NC C 1,600 5,201 26.7% 7.40%
11 Loandepot.ComIrvine, CA D 1,489 6,867 23.2% 6.13%
12 PNC BankWilmington, DE D 1,316 4,468 28.2% 7.14%
13 Discover BankGreenwood, DE F 1,186 2,311 54.1% 8.68%
14 Sofi BankCottonwood Heights, UT D 1,173 2,321 7.1% 6.99%
15 Nationstar MortgageCoppell, TX C 965 2,824 13.0% 7.25%
16 Fifth Third BankCincinnati, OH D 896 4,246 28.2% 7.25%
17 Rocket MortgagePlymouth, MI C 783 25,109 16.0% 6.63%
18 Better MortgageNew York, NY F 753 2,032 23.7% 7.25%
19 First National Bank of PennsylvaniaHermitage, PA B 737 7,221 20.8% 6.38%
20 Allegacy Federal Credit UnionWinston-Salem, NC B 618 2,480 14.0% 5.75%
21 Skyla Federal Credit UnionCharlotte, NC D 561 1,494 35.4% 7.50%
22 Crosscountry MortgageCleveland, OH B 546 6,790 2.9% 6.58%
23 Citizens BankProvidence, RI C 539 1,624 27.5% 7.40%
24 Broker SolutionsTustin, CA D 539 4,708 9.1% 6.75%
25 LendageSan Mateo, CA B 491 748 12.8% 11.38%
26 Southern Bank and TrustMount Olive, NC A 476 1,665 11.4% 7.25%
27 U.S. BankCincinnati, OH D 472 2,244 28.8% 6.75%
28 Lakeview Loan ServicingCoral Gables, FL C 455 2,283 49.2% 6.25%
29 Third Federal Savings and Loan Association of ClevelandCleveland, OH C 430 1,257 29.7% 6.99%
30 First BankSouthern Pines, NC C 414 2,011 17.1% 6.88%
31 Local GovernmentRaleigh, NC F 400 1,749 44.5% 8.00%
32 The Fidelity BankFuquay Varina, NC B 356 1,459 13.5% 7.50%
33 HomeTrust BankAsheville, NC C 343 1,350 19.9% 7.00%
34 Corning Credit UnionCorning, NY A 340 1,390 13.1% 6.31%
35 Movement MortgageLancaster, SC A 328 11,091 2.6% 6.63%
36 Sharonview Federal Credit UnionFort Mill, SC D 312 675 50.2% 7.50%
37 Homebridge Financial ServicesIselin, NJ B 294 665 15.6% 10.10%
38 United Community BankBlairsville, GA B 288 2,270 21.8% 6.50%
39 RCN CapitalSouth Windsor, CT D 269 531 45.6% 7.73%
40 Peoples BankNewton, NC C 260 938 27.8% 6.99%
41 Mutual of Omaha MortgageSan Diego, CA C 251 2,193 14.0% 6.38%
42 Regions BankBirmingham, AL C 218 1,080 28.1% 6.13%
43 JPMorgan Chase BankColumbus, OH B 216 3,446 7.0% 6.38%
44 Wells Fargo BankCharlotte, NC B 215 3,984 13.7% 6.25%
45 Pentagon Federal Credit UnionMclean, VA F 209 1,213 34.9% 7.38%
46 Pinnacle BankNashville, TN B 199 1,901 18.2% 6.63%
47 United Federal Credit UnionSaint Joseph, MI D 189 800 25.0% 7.00%
48 Mission LoansColumbus, OH D 176 526 0.8% 7.44%
49 Easy Street CapitalAustin, TX A 175 175 0.0% 9.90%
50 Atlantic Union BankGlen Allen, VA C 175 466 18.7% 7.25%

How this list is built

Ordered by the number of applications of this type received in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.