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Top refinance lenders in North Carolina (2025)

Rate-and-term and cash-out refinance applications combined.

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
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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
#LenderGradeRefinance applicationsApplicationsDenial rateMedian rate
1 Rocket MortgagePlymouth, MI C 16,633 25,109 16.0% 6.63%
2 State Employees'Raleigh, NC C 13,433 47,893 25.2% 6.25%
3 United Shore Financial ServicesPlymouth, MI B 12,726 18,884 11.4% 6.13%
4 Freedom MortgageBoca Raton, FL B 8,531 9,632 7.1% 6.13%
5 Pennymac Loan ServicesWestlake Village, CA C 5,569 7,253 9.5% 6.00%
6 NewrezWilmington, DE D 5,452 7,099 16.6% 6.25%
7 AmeriSave MortgageSandy Springs, GA D 4,584 4,743 59.2% 7.50%
8 Mortgage Research CenterColumbia, MO C 4,279 10,029 17.7% 6.25%
9 Truist BankCharlotte, NC C 3,856 14,364 30.3% 6.50%
10 First-Citizens Bank & TrustRaleigh, NC B 2,935 10,319 19.6% 6.38%
11 New Day FinancialWest Palm Beach, FL F 2,737 2,855 24.2% 6.99%
12 Broker SolutionsTustin, CA D 2,497 4,708 9.1% 6.75%
13 Truliant Federal Credit UnionWinston Salem, NC D 2,472 7,961 44.7% 7.25%
14 Loandepot.ComIrvine, CA D 2,284 6,867 23.2% 6.13%
15 Movement MortgageLancaster, SC A 2,134 11,091 2.6% 6.63%
16 Village Capital & InvestmentHenderson, NV C 2,032 2,083 20.7% 5.75%
17 Carrington Mortgage ServicesOrange, CA D 2,026 2,120 40.7% 6.50%
18 Navy Federal Credit UnionVienna, VA D 1,842 10,565 19.4% 7.13%
19 Crosscountry MortgageCleveland, OH B 1,759 6,790 2.9% 6.58%
20 Lakeview Loan ServicingCoral Gables, FL C 1,747 2,283 49.2% 6.25%
21 Bank of AmericaCharlotte, NC F 1,704 10,276 28.2% 6.24%
22 First National Bank of PennsylvaniaHermitage, PA B 1,502 7,221 20.8% 6.38%
23 Guaranteed RateChicago, IL B 1,359 4,625 5.5% 6.53%
24 Nationstar MortgageCoppell, TX C 1,289 2,824 13.0% 7.25%
25 Kiavi FundingWilmington, DE D 1,121 2,422 6.7% 9.95%
26 Mutual of Omaha MortgageSan Diego, CA C 1,101 2,193 14.0% 6.38%
27 Wells Fargo BankCharlotte, NC B 1,097 3,984 13.7% 6.25%
28 PNC BankWilmington, DE D 1,080 4,468 28.2% 7.14%
29 COASTAL Federal Credit UnionRaleigh, NC C 1,007 5,201 26.7% 7.40%
30 Unnamed lender 254900M2C4Q6DATP2889 F 1,001 1,014 18.4% 6.13%
31 Equity Prime MortgageAtlanta, GA D 991 1,290 9.4% 6.63%
32 GoodLeapRoseville, CA C 987 990 20.3% 6.38%
33 Fifth Third BankCincinnati, OH D 965 4,246 28.2% 7.25%
34 Local GovernmentRaleigh, NC F 856 1,749 44.5% 8.00%
35 Allegacy Federal Credit UnionWinston-Salem, NC B 800 2,480 14.0% 5.75%
36 The Federal Savings BankChicago, IL C 785 1,033 7.9% 6.50%
37 Atlantic Bay Mortgage GroupVirginia Beach, VA A 785 7,671 1.1% 6.63%
38 JPMorgan Chase BankColumbus, OH B 767 3,446 7.0% 6.38%
39 MilendAlpharetta, GA F 752 757 13.2% 6.38%
40 Skyla Federal Credit UnionCharlotte, NC D 711 1,494 35.4% 7.50%
41 American FinancingAurora, CO D 686 774 44.4% 6.00%
42 Reliance First CapitalWilmington, DE C 660 705 3.1% 6.63%
43 Union Home MortgageStrongsville, OH B 615 2,766 3.8% 6.56%
44 PHH MortgageMount Laurel, NJ C 613 648 8.6% 6.25%
45 Sofi BankCottonwood Heights, UT D 582 2,321 7.1% 6.99%
46 United Community BankBlairsville, GA B 578 2,270 21.8% 6.50%
47 LowerColumbia, MD C 574 1,624 7.9% 6.50%
48 CMG MortgageSan Ramon, CA A 541 1,748 5.3% 6.63%
49 Guild MortgageSan Diego, CA A 503 2,711 3.0% 6.50%
50 Better MortgageNew York, NY F 493 2,032 23.7% 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.