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Top-rated mortgage lenders in North Carolina (2025)

Lenders with the highest composite grade: approval odds, pricing, process and closing costs, each ranked against peers of the same kind and size.

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
#LenderGradeGradeApplicationsDenial rateMedian rate
1 Easy Street CapitalAustin, TX A 90.0 score 175 0.0% 9.90%
2 Dominion Financial ServicesBaltimore, MD A 90.0 score 228 0.0% 8.25%
3 Unnamed lender 254900YZ174H294JW398 A 89.6 score 326 1.2% 6.38%
4 Morgan Stanley Private BankNew York, NY A 89.3 score 379 3.4% 5.95%
5 Stifel Bank and TrustSaint Louis, MO A 87.7 score 146 4.1% 6.13%
6 M/i FinancialColumbus, OH A 85.3 score 814 0.4% 5.88%
7 Charles Schwab BankWestlake, TX A 84.3 score 183 4.4% 5.63%
8 Premia Mortgage, LLC DBA Premia Relocation MortgageTroy, MI A 83.8 score 128 0.0% 6.38%
9 Intercoastal MortgageReston, VA A 82.4 score 554 2.4% 6.63%
10 Lakeview Community CapitalTucson, AZ A 81.6 score 217 0.5% 6.25%
11 General Mortgage CapitalBurlingame, CA A 81.1 score 328 2.4% 6.50%
12 American Security MortgageCharlotte, NC A 80.9 score 3,413 0.8% 6.38%
13 Homestead FundingAlbany, NY A 80.2 score 105 1.0% 5.99%
14 Corporate Investors Mortgage GroupChapel Hill, NC A 80.1 score 717 1.0% 6.50%
15 Velocio MortgageSan Antonio, TX A 79.8 score 721 3.2% 4.99%
16 Atlantic Coast MortgageFairfax, VA A 79.6 score 833 0.5% 6.63%
17 Vision Lending ServicesRaleigh, NC A 79.5 score 145 1.4% 6.00%
18 Jams-01Fairfax, VA A 79.3 score 112 0.0% 6.50%
19 Raymond James BankSaint Petersburg, FL A 79.2 score 106 0.9% 5.50%
20 Primelending, a PlainscapitalDallas, TX A 77.9 score 510 3.9% 6.49%
21 Ark-La-Tex Financial Services, LLC.Plano, TX A 77.8 score 257 2.0% 6.62%
22 Heritage MortgageMadison, AL A 77.3 score 136 0.7% 6.25%
23 First Colony MortgageOrem, UT A 77.3 score 102 1.0% 6.56%
24 Keystone FundingDover, DE A 76.9 score 209 2.4% 6.25%
25 North State BankRaleigh, NC A 76.2 score 596 2.2% 6.63%
26 Republic State MortgageHouston, TX A 75.4 score 113 0.0% 6.63%
27 Movement MortgageLancaster, SC A 75.4 score 11,091 2.6% 6.63%
28 Delmar FinancialSaint Louis, MO A 74.8 score 113 0.0% 6.49%
29 Atlantic Bay Mortgage GroupVirginia Beach, VA A 74.6 score 7,671 1.1% 6.63%
30 CMG MortgageSan Ramon, CA A 73.7 score 1,748 5.3% 6.63%
31 Mattamy Home FundingDover, DE A 73.3 score 658 6.8% 5.50%
32 Provident Funding AssociatesSanta Rosa, CA A 73.2 score 976 4.2% 6.38%
33 Schumacher MortgageCanton, OH A 73.1 score 138 3.6% 5.38%
34 First Carolina BankRocky Mount, NC A 73.0 score 100 4.0% —
35 Lennar MortgageMiami, FL A 72.3 score 3,467 8.7% 5.38%
36 First Community MortgageMurfreesboro, TN A 72.0 score 481 8.5% 6.50%
37 Southern Bank and TrustMount Olive, NC A 71.9 score 1,665 11.4% 7.25%
38 Cornerstone Capital BankHouston, TX A 71.7 score 1,081 1.5% 6.25%
39 First Heritage MortgageFairfax, VA A 71.6 score 861 2.8% 6.50%
40 Taylor Morrison Home FundingMaitland, FL A 71.4 score 778 5.0% 5.75%
41 Rf Renovo Management CompanyChicago, IL B 71.3 score 317 0.0% 7.85%
42 Guaranteed Rate AffinityChicago, IL A 71.1 score 374 3.5% 6.58%
43 Guild MortgageSan Diego, CA A 70.8 score 2,711 3.0% 6.50%
44 Pulte MortgageWilmington, DE A 70.4 score 1,981 7.6% 5.75%
45 Howard Hanna Financial ServicesPittsburgh, PA A 70.2 score 1,103 0.9% 6.63%
46 Corning Credit UnionCorning, NY A 70.2 score 1,390 13.1% 6.31%
47 Skyline National BankIndependence, VA B 70.0 score 329 5.8% —
48 Prosperity Home MortgageFairfax, VA A 69.9 score 1,706 5.1% 6.49%
49 LoansteadyMclean, VA A 69.8 score 428 1.2% 6.49%
50 NFMLinthicum, MD A 69.5 score 1,412 1.5% 6.49%

How this list is built

Lenders are ordered by composite grade score: approval odds (45%), pricing (30%), process (15%) and closing costs (10%), each a percentile rank against peers of the same product type and size. A lender needs at least 100 decided applications in 2025 to be graded. All figures come from the lenders' own HMDA filings. Full methodology.