Top mortgage lenders in North Carolina
These are the most active mortgage lenders in North Carolina by 2025 federal HMDA volume — the banks, credit unions and nonbank lenders that wrote the most home loans in the state. Volume isn't the same as the best deal for you, so use it as a shortlist, then compare quotes.
| # | Lender | Type | 2025 loans |
|---|---|---|---|
| 1 | State Employees' | — | 48,312 |
| 2 | Rocket Mortgage | Nonbank lender | 27,765 |
| 3 | PennyMac | Nonbank lender | 22,468 |
| 4 | United Wholesale Mortgage | Nonbank lender | 18,947 |
| 5 | Truist | Bank | 16,568 |
| 6 | Vanderbilt Mortgage And Finance, Inc. | — | 15,073 |
| 7 | Newrez | Nonbank lender | 12,638 |
| 8 | Freedom Mortgage | Nonbank lender | 11,880 |
| 9 | Bank of America | Bank | 11,235 |
| 10 | Movement Mortgage | Nonbank lender | 11,091 |
| 11 | First-Citizens Bank & Trust Company | — | 10,800 |
| 12 | Navy Federal Credit Union | Credit union | 10,598 |
| 13 | Chase | Bank | 10,112 |
| 14 | Veterans United | Nonbank lender | 10,030 |
| 15 | Truliant Federal Credit Union | — | 7,961 |
| 16 | Atlantic Bay Mortgage Group, L.L.C. | — | 7,675 |
| 17 | DHI Mortgage | Nonbank lender | 7,556 |
| 18 | First National Bank of Pennsylvania | — | 7,458 |
| 19 | Amerihome Mortgage Company, LLC | — | 6,883 |
| 20 | loanDepot | Nonbank lender | 6,876 |
| 21 | CrossCountry Mortgage | Nonbank lender | 6,817 |
| 22 | Mr. Cooper | Nonbank lender | 5,540 |
| 23 | Guaranteed Rate (Rate) | Nonbank lender | 5,493 |
| 24 | 21st Mortgage Corporation | — | 5,260 |
| 25 | Coastal Federal Credit Union | — | 5,202 |
Ranked by North Carolina home-loan applications reported in 2025 under the federal Home Mortgage Disclosure Act (HMDA), FFIEC/CFPB. A neutral measure of lending activity — not a quality score. Names we review link to a full lender review.
How to choose a lender in North Carolina
The lender that writes the most loans isn't automatically the one that will quote you the lowest rate. Your rate depends on your credit, down payment and loan type — not a lender's market share. The reliable way to find the best deal is to get a Loan Estimate from three or more of these lenders in the same two-week window (it counts as a single credit inquiry) and compare the APRs.
Weigh national lenders and online brokers, which often lead on price, against North Carolina banks and credit unions, which may offer relationship pricing and access to NCHFA programs. Start with the local benchmark and assistance below.
North Carolina lender FAQ
Who is the biggest mortgage lender in North Carolina?
By 2025 federal HMDA activity, State Employees' handled the most home loans in North Carolina (about 48,312 applications reported). The biggest lender isn't automatically the cheapest for you, though — rankings reflect volume, not the rate you'd be quoted.
How many mortgage lenders operate in North Carolina?
Hundreds of banks, credit unions and nonbank lenders report North Carolina home loans each year under HMDA. The table above shows the most active by volume; you can also shop national lenders and local credit unions not listed here.
How were these North Carolina lender rankings determined?
We ranked lenders by the number of North Carolina home-loan applications each reported in 2025 under the federal Home Mortgage Disclosure Act (HMDA) — a neutral public measure of lending activity in the state. It is not a quality score or an endorsement.
Should I use a local or national lender in North Carolina?
Both can be competitive. National lenders and online brokers often lead on price and speed; local banks and credit unions may offer relationship pricing, NCHFA down-payment programs and in-person service.
Get a Loan Estimate from at least one of each and compare the APR.
Rankings are editorial and independent, built from public federal data — no lender pays to be listed. This is general information, not a recommendation or personalized advice. Confirm all terms directly with the lender.
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