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Mortgage Lenders and Brokers in Cary, North Carolina

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Cary, North Carolina mortgage lenders include First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust1825 Kildaire Farm Rd, Cary, NC 27518A5.0 ★Texas Ratio: 7.72%, Truist BankTruist Bank924 Kildaire Farm Rd, Cary, NC 27511A+5.0 ★Texas Ratio: 2.87%, Wells Fargo Bank NAWells Fargo Bank NA998 High House Rd, Cary, NC 27513A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA5070 Arco St, Cary, NC 27519A+5.0 ★Texas Ratio: 3.68%, Fifth Third Bank, National AssociationFifth Third Bank, National Association7704 Carpenter Fire Station Rd, Cary, NC 27519A+5.0 ★Texas Ratio: 3.22%, First National Bank of PAFirst National Bank of PA1155 Kildaire Farm Rd, Cary, NC 27511A+5.0 ★Texas Ratio: 1.62%, Bank of America NABank of America NA7109 Okelly Chapel Rd, Cary, NC 27519A+5.0 ★Texas Ratio: 4.14%, PNC Bank N.A.PNC Bank N.A.101 Avent Court, Cary, NC 27511A+5.0 ★Texas Ratio: 4.24%, First Horizon BankFirst Horizon Bank3685 Sw Cary Pkwy, Cary, NC 27513A+5.0 ★Texas Ratio: 5.76%, and Pinnacle BankPinnacle Bank4725 Sw Cary Pkwy, Cary, NC 27513A+5.0 ★Texas Ratio: 3.04%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Cary, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cary are listed first, then lenders elsewhere in North Carolina, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Cary, North Carolina

Market share is the lender's share of all home loans closed in Cary, North Carolina. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
First Ciitizens Bank and Trust 2 offices in Cary 1825 Kildaire Farm Rd, Cary, NC 27518 A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo, HELOC	63 +124 HELOCs	2.4%	82.7%	$635,634	View
Truist Bank ★ 1 stars, 1 review 6 offices in Cary 924 Kildaire Farm Rd, Cary, NC 27511 A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo, HELOC	63 +107 HELOCs	2.4%	95.5%	$768,174	View
Wells Fargo Bank NA 6 offices in Cary 998 High House Rd, Cary, NC 27513 A+5.0 ★Texas Ratio: 5.36%	Conventional, VA, Jumbo	46	1.7%	85.2%	$441,304	View
JPMorgan Chase Bank, NA 5 offices in Cary 5070 Arco St, Cary, NC 27519 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA, Jumbo, HELOC	45 +2 HELOCs	1.7%	97.9%	$542,555	View
Fifth Third Bank, National Association 5 offices in Cary 7704 Carpenter Fire Station Rd, Cary, NC 27519 A+5.0 ★Texas Ratio: 3.22%	Conventional, VA, Jumbo, HELOC	34 +55 HELOCs	1.3%	94.4%	$606,764	View
First National Bank of PA 1 office in Cary 1155 Kildaire Farm Rd, Cary, NC 27511 A+5.0 ★Texas Ratio: 1.62%	Conventional, Jumbo, HELOC	32 +61 HELOCs	1.2%	80%	$600,937	View
Bank of America NA 4 offices in Cary 7109 Okelly Chapel Rd, Cary, NC 27519 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	29 +92 HELOCs	1.1%	93.5%	$611,896	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 3 offices in Cary 101 Avent Court, Cary, NC 27511 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	9 +29 HELOCs	0.3%	90%	$535,000	View
First Horizon Bank ★ 5 stars, 1 review 3 offices in Cary 3685 Sw Cary Pkwy, Cary, NC 27513 A+5.0 ★Texas Ratio: 5.76%	Conventional, Jumbo, HELOC	5 +6 HELOCs	0.2%	100%	$733,000	View
Pinnacle Bank 1 office in Cary 4725 Sw Cary Pkwy, Cary, NC 27513 A+5.0 ★Texas Ratio: 3.04%	Conventional, Jumbo, HELOC	4 +6 HELOCs	0.1%	80%	$920,000	View
The Fidelity Bank 1 office in Cary 100 W Chatham St, Cary, NC 27511 A+5.0 ★Texas Ratio: 3.02%	Conventional, HELOC	3 +17 HELOCs	0.1%	100%	$311,666	View
First Carolina Bank 1 office in Cary 1405 Bradford View Dr, Cary, NC 27519 A+5.0 ★Texas Ratio: 4.89%	Conventional, Jumbo	2	0.1%	100%	$550,000	View
First Bank 1 office in Cary 315 N Academy St, Cary, NC 27513 A+5.0 ★Texas Ratio: 1.94%	HELOC	0 +5 HELOCs	0%	n/a		View
HomeTrust Bank 1 office in Cary 1315 Bradford View Dr, Cary, NC 27519 A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +2 HELOCs	0%	n/a		View
The Central Trust Bank 1 office in Cary A+5.0 ★Texas Ratio: 3.12%	Conventional, Jumbo, HELOC	12 +4 HELOCs	0.4%	100%	$449,166	View
State Employees' Credit Union 9101 CHAPEL HILL RD, CARY, NC 27513 A-5.0 ★Texas Ratio: 14.13%	Conventional, Jumbo, HELOC	161 +187 HELOCs	6%	87.6%	$469,409	View
Coastal Federal Credit Union 2024 Kildaire Farm Rd, Cary, NC 27518 6614 A+5.0 ★Texas Ratio: 4.34%	Conventional, Jumbo, HELOC	75 +221 HELOCs	2.8%	88%	$394,466
US Bank, N.A. 8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	13 +6 HELOCs	0.5%	86.7%	$425,769	View
North State Bank 835 Highway 70 West, Garner, NC 27529 A+5.0 ★Texas Ratio: 1.77%	Conventional, Jumbo	7	0.3%	100%	$550,714	View
United Community Bank 1105 Hatches Pond Lane, Cary, NC 27519 A+5.0 ★Texas Ratio: 2.97%	Conventional, HELOC	5 +7 HELOCs	0.2%	83.3%	$379,000	View
Huntington National Bank 101 S Tryon St, Charlotte, NC 28280 A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo, HELOC	5 +2 HELOCs	0.2%	100%	$873,000	View
Flagstar Bank NA 121 W Trade St Ste 1150, Charlotte, NC 28202 D3.3 ★Texas Ratio: 35.11%	Conventional, Jumbo	5	0.2%	100%	$1,195,000	View
Southstate Bank, National Association ★ 5 stars, 1 review 192 E Woodrow Ave, Belmont, NC 28012 A+5.0 ★Texas Ratio: 2.27%	Conventional, VA, Jumbo, HELOC	4 +6 HELOCs	0.1%	100%	$645,000	View
Regions Bank 1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37%	Conventional, HELOC	3 +3 HELOCs	0.1%	60%	$418,333	View
TD Bank 335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.1%	100%	$765,000	View
Summit Credit Union 8210 W Market St, Greensboro, NC 27409 A+5.0 ★Texas Ratio: 2.76%	Conventional	3	0.1%	100%	$388,333	View
Farmers & Merchants Bank 116 N Main St, China Grove, NC 28023 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo	2	0.1%	100%	$605,000	View
Ameris Bank ★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82%	Conventional, FHA	2	0.1%	100%	$385,000	View
Southern Bank and Trust Company 506 Main St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 1.13%	Conventional, HELOC	1 +6 HELOCs	0%	100%	$255,000	View
Carolinas Telco FCU 2821 Crisman St, Charlotte, NC 28208 A+5.0 ★Texas Ratio: 3.27%	Conventional, HELOC	1 +3 HELOCs	0%	100%	$505,000	View
Allegacy Federal Credit Union 128 Yadkin Valley Rd, Advance, NC 27006 A+5.0 ★Texas Ratio: 4.25%	Conventional, HELOC	1 +3 HELOCs	0%	100%	$495,000	View
United Bank Va 47560 Highway 12, Buxton, NC 27920 A+5.0 ★Texas Ratio: 2.15%	Conventional	1	0%	100%	$735,000	View
Blue Ridge Bank 3202 Northline Ave, Greensboro, NC 27408 A5.0 ★Texas Ratio: 8.11%	Conventional	1	0%	100%	$285,000	View
Old National Bank 28 Schenck Pkwy, Asheville, NC 28803 A+5.0 ★Texas Ratio: 4.98%	Conventional	1	0%	100%	$635,000	View
Paragon Bank 6752 Parker Farm Drive, Wilmington, NC 28405 A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0%	100%	$295,000	View
First Federal Bank 110 W Dupree St, Angier, NC 27501 A4.8 ★Texas Ratio: 5.15%	Conventional	1	0%	100%	$705,000	View
Uwharrie Bank 800 Highway 24 27 Bypass, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 0.72%	Conventional	1	0%	100%	$755,000	View
Latino Community Credit Union 104 NC 54 Ste KK, Carrboro, NC 27510 A5.0 ★Texas Ratio: 6.08%	Conventional	1	0%	100%	$105,000	View
Southern First Bank 4064 Colony Rd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 3.08%	HELOC	0 +4 HELOCs	0%	n/a		View
Truliant Federal Credit Union 1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43%	HELOC	0 +3 HELOCs	0%	0%		View
Civic FCU 1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00%	HELOC	0 +2 HELOCs	0%	n/a		View
Atlantic Union Bank 3101 S Church St, Burlington, NC 27215 A+5.0 ★Texas Ratio: 2.51%	HELOC	0 +1 HELOCs	0%	n/a		View
American Security Mortgage Cor	Conventional, FHA, VA, Jumbo	45	1.7%	100%	$599,444
Corporate Investors Mortgage G	Conventional, VA, Jumbo	37	1.4%	100%	$549,864
Goprime Mortgage, Inc.	Conventional, FHA, VA	16	0.6%	100%	$452,500
Towne Mtg of the Carolinas,LLC	Conventional, FHA	10	0.4%	90.9%	$421,000
RTP Federal Credit Union A+5.0 ★Texas Ratio: 5.20%	Conventional	6	0.2%	66.7%	$100,000	View
Ally Bank A5.0 ★Texas Ratio: 8.00%	Conventional	2	0.1%	100%	$395,000	View
Cardinal Financial Company, Li	Conventional	1	0%	75%	$405,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	252 +10 HELOCs	9.4%	93.5%	$557,380
Rocket Mortgage	Conventional, FHA, VA, Jumbo, HELOC	215 +1 HELOCs	8%	87.2%	$388,813
M/I Financial. LLC	Conventional, FHA, VA	120	4.5%	100%	$544,333
Movement Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	61 +3 HELOCs	2.3%	100%	$466,967
Prosperity Home Mortgage, LLC	Conventional, FHA, VA, Jumbo	55	2.1%	96.5%	$515,000
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	47	1.8%	87.5%	$584,361
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	43 +1 HELOCs	1.6%	97.7%	$605,697
First Heritage Mortgage, LLC	Conventional, VA	42	1.6%	95.5%	$450,476
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	36 +28 HELOCs	1.3%	78.3%	$345,833
Fairway Independent Mort Corp	Conventional, FHA, VA	35	1.3%	100%	$513,000
TowneBank	Conventional, VA, Jumbo, HELOC	30 +23 HELOCs	1.1%	93.8%	$602,000
Provident Funding Associates	Conventional	30	1.1%	100%	$518,333
General Mortgage Capital Corporation	Conventional, Jumbo	29	1.1%	96.7%	$459,137
Newrez LLC	Conventional, FHA, VA, Jumbo	28	1%	80%	$465,000
Zillow Home Loans, LLC	Conventional	27	1%	100%	$351,296
Nationstar Mortgage	Conventional	25	0.9%	96.3%	$252,600
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo, HELOC	22 +2 HELOCs	0.8%	100%	$566,363
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, VA	22	0.8%	78.6%	$330,909	View
The Loan Store, Inc	Conventional, FHA, HELOC	21 +2 HELOCs	0.8%	96%	$446,428
Cmg Mortgage Inc	Conventional, VA, Jumbo, HELOC	21 +1 HELOCs	0.8%	92%	$565,000
Taylor Morrison Home Funding, Inc.	Conventional, VA, Jumbo	21	0.8%	95.5%	$690,238
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	19 +12 HELOCs	0.7%	76%	$539,736
Equity Resources Inc	Conventional, VA, Jumbo, HELOC	18 +1 HELOCs	0.7%	94.7%	$470,000
Jet HomeLoans, LP	Conventional, FHA	16	0.6%	100%	$451,875
T2 Financial LLC	Conventional, FHA, Jumbo	16	0.6%	100%	$533,125
Toll Brothers Mortgage Company	Conventional, Jumbo	15	0.6%	91.2%	$1,003,666
Union Home Mortgage Corp.	Conventional, HELOC	14 +1 HELOCs	0.5%	93.3%	$542,857
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	14	0.5%	81.8%	$581,428
University Federal Credit Union A+5.0 ★Texas Ratio: 3.82%	Conventional, FHA, VA	13	0.5%	100%	$450,384	View
Spring Eq, LLC	Conventional, HELOC	12 +6 HELOCs	0.4%	54.2%	$136,666
Sage Home Loans Corporation	Conventional	12	0.4%	100%	$535,833
Resicentral LLC	Conventional, FHA	12	0.4%	100%	$500,000
First Home Mortgage A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA	12	0.4%	100%	$417,500	View
Nfm, Inc	Conventional, FHA, VA	11	0.4%	100%	$475,000
Capital Center LLC	Conventional	11	0.4%	84.6%	$368,636
Howard Hanna Financial Services, Inc	Conventional, VA, Jumbo	10	0.4%	100%	$447,000
Amerisave Mortgage Company	Conventional, FHA, VA	10	0.4%	62.5%	$369,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	10	0.4%	66.7%	$499,000	View
Mutual of Omaha Mortgage	Conventional, FHA, Jumbo	10	0.4%	90.9%	$510,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, Jumbo, HELOC	9 +36 HELOCs	0.3%	62.5%	$275,000	View
Originpoint, LLC	Conventional, Jumbo, HELOC	9 +3 HELOCs	0.3%	100%	$538,333
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	9 +1 HELOCs	0.3%	90%	$787,222	View
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA, Jumbo	9	0.3%	100%	$788,333
Guild Mortgage Company	Conventional, VA, Jumbo	9	0.3%	90%	$593,888
Atlantic Bay Mortgage Group	Conventional, FHA, VA	9	0.3%	100%	$542,777
Mortgage Research Center	Conventional, VA, Jumbo	9	0.3%	66.7%	$609,444
New American Funding, LLC.	Conventional, FHA, VA, Jumbo	9	0.3%	90%	$411,666
Pentagon Federal Credit Union	Conventional, VA, Jumbo, HELOC	8 +13 HELOCs	0.3%	80%	$521,250
Better Mortgage Corporation	Conventional, HELOC	8 +5 HELOCs	0.3%	72.7%	$402,500
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	8	0.3%	100%	$453,750	View
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional, FHA, Jumbo	8	0.3%	100%	$433,750	View
AmWest Funding Corp	Conventional	8	0.3%	72.7%	$547,500
V.I.P. Mortgage, Inc.	Conventional, VA, Jumbo	8	0.3%	100%	$672,500
Lakeview Loan Servicing, LLC	Conventional, VA	7	0.3%	56.2%	$372,142
Nbkc Bank	Conventional	7	0.3%	77.8%	$430,714
ALCOVA Mortgage, LLC	Conventional	7	0.3%	100%	$446,428
Dollar Bank, FSB A+5.0 ★Texas Ratio: 5.29%	Conventional, Jumbo	7	0.3%	100%	$1,137,857	View
Discover Bank	Conventional	7	0.3%	29.2%	$116,428
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	7	0.3%	87.5%	$693,571	View
Tomo Mortgage LLC	Conventional	7	0.3%	77.8%	$533,571
Southern Trust Mortgage, LLC A4.7 ★Texas Ratio: 0.83%	Conventional	6	0.2%	100%	$368,333	View
RoundPoint Mortgage Servicing LLC	Conventional	6	0.2%	85.7%	$351,666
Carrington Mortgage Services LLC	Conventional, FHA, VA	6	0.2%	53.8%	$346,666
Service Federal Credit Union	Conventional, Jumbo, HELOC	5 +1 HELOCs	0.2%	71.4%	$1,097,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	5 +1 HELOCs	0.2%	100%	$981,000	View
Primelending	Conventional	5	0.2%	83.3%	$439,000
Filo Mortgage, LLC	Conventional	5	0.2%	100%	$521,000
Developer's Mortgage Company	Conventional	5	0.2%	100%	$575,000
Bay Equity LLC	Conventional	5	0.2%	100%	$303,000
Homeowners Financial Group, LLC	Conventional, FHA, VA	5	0.2%	100%	$359,000
Resource Financial Services, Inc.	Conventional	5	0.2%	100%	$375,000
Sunflower Bank, N.A. A5.0 ★Texas Ratio: 10.77%	Conventional	5	0.2%	100%	$733,000	View
Lower, LLC	Conventional	5	0.2%	100%	$399,000
United Nations Federal CU	Conventional, Jumbo	5	0.2%	100%	$581,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	5	0.2%	100%	$553,000	View
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	Conventional	4	0.1%	100%	$532,500	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	4	0.1%	100%	$1,017,500	View
Kind Lending, LLC	Conventional, VA	4	0.1%	80%	$517,500
Sun West Mortgage Company, Inc	Conventional	4	0.1%	100%	$472,500
Lennar Mortgage, LLC	Conventional	4	0.1%	66.7%	$307,500
Republic State Mortgage Company	Conventional	4	0.1%	100%	$735,000
American Federal Mortgage Corporation	Conventional	4	0.1%	100%	$262,500
American Internet Mortgage, Inc.	Conventional	4	0.1%	80%	$490,000
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	4	0.1%	100%	$577,500	View
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, VA	4	0.1%	83.3%	$437,500	View
Digital Federal Credit Union	Conventional, Jumbo	4	0.1%	80%	$487,500
Vanderbilt Mortgage and Finance, Inc	Conventional	4	0.1%	40%	$345,000
Village Capital & Investment	VA	4	0.1%	100%	$447,500
American Financial Resources LLC	Conventional	3	0.1%	100%	$238,333
Equity Prime Mortgage LLC	Conventional, VA	3	0.1%	100%	$661,666
PHH Mortgage Corporation	Conventional, FHA	3	0.1%	100%	$521,666
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional, FHA	3	0.1%	100%	$331,666	View
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	3	0.1%	100%	$545,000	View
SIRVA Mortgage, Inc.	Conventional, VA, Jumbo	3	0.1%	100%	$675,000
Churchill Mortgage Corporation	Conventional	3	0.1%	100%	$378,333
Mortgage Equity Partners LLC	Conventional	3	0.1%	100%	$565,000
Nmsi, Inc.	Conventional, Jumbo	3	0.1%	100%	$805,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	3	0.1%	100%	$591,666	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	3	0.1%	100%	$535,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	3	0.1%	75%	$311,666	View
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo, HELOC	2 +24 HELOCs	0.1%	100%	$1,305,000	View
Langley Federal Credit Union A5.0 ★Texas Ratio: 10.20%	Conventional, HELOC	2 +2 HELOCs	0.1%	100%	$515,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional, HELOC	2 +1 HELOCs	0.1%	66.7%	$290,000
Empeople Credit Union A+5.0 ★Texas Ratio: 5.75%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$485,000
BMO Harris Bank NA A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.1%	100%	$880,000	View
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.1%	66.7%	$805,000
Ruoff Mortgage Company	Conventional	2	0.1%	100%	$360,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	2	0.1%	100%	$380,000	View
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 3.36%	Conventional	2	0.1%	100%	$540,000	View
Royal United Mortgage LLC	Conventional, FHA	2	0.1%	66.7%	$360,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	2	0.1%	100%	$805,000	View
SWBC Mortgage Corporation	Conventional	2	0.1%	100%	$385,000
Acrisure Mortgage, LLC	Conventional	2	0.1%	66.7%	$505,000
Loansteady LLC	Conventional	2	0.1%	100%	$535,000
Guidance Residential, LLC	Conventional	2	0.1%	100%	$620,000
Success Mortgage Partners, Inc	Conventional	2	0.1%	100%	$645,000
First Alliance Home Mortgage, LLC	Conventional	2	0.1%	100%	$540,000
Flexpoint, Inc.	Conventional	2	0.1%	100%	$605,000
Network Capital Funding Corporation	Conventional	2	0.1%	100%	$360,000
Strong Home Mortgage, LLC	Conventional	2	0.1%	100%	$685,000
Highlands Residential Mortgage, Ltd.	Conventional	2	0.1%	100%	$430,000
Congressional Federal Credit Union	Conventional	2	0.1%	100%	$465,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional, FHA	2	0.1%	100%	$445,000	View
Hometown Equity Mortgage, LLC	Conventional	2	0.1%	66.7%	$420,000
Lendsure Mortgage Corp.	Conventional	2	0.1%	100%	$235,000
Integrity Home Mortgage Corporation	Conventional	2	0.1%	100%	$600,000
American Pacific Mortgage Corporation	Conventional	2	0.1%	100%	$655,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	2	0.1%	66.7%	$205,000	View
Milend, Inc	Conventional, VA	2	0.1%	100%	$770,000
Pike Creek Mortgage Services, Inc.	Conventional	2	0.1%	100%	$590,000
Jams-01 Inc dba Home Savings & Trust Mortgage	Conventional	2	0.1%	100%	$525,000
Mld Mortgage, Inc.Dba the Money Store	Conventional	2	0.1%	100%	$615,000
Paramount Residential Mortgage	Conventional	2	0.1%	100%	$715,000
Mason-McDuffie Mortgage Corporation	Conventional	2	0.1%	100%	$680,000
Geneva Financial LLC	Conventional	2	0.1%	100%	$435,000
Plaza Home Mortgage, Inc	Conventional	2	0.1%	66.7%	$475,000
Cake Mortgage Corp.	Conventional	2	0.1%	100%	$430,000
American Airlines Federal Cred	Conventional, HELOC	1 +3 HELOCs	0%	100%	$585,000
Fourleaf Federal Credit Union	Conventional, HELOC	1 +2 HELOCs	0%	100%	$215,000
Citizens Equity First Credit U	Conventional, HELOC	1 +1 HELOCs	0%	100%	$465,000
Mission Loans, LLC	Conventional, HELOC	1 +1 HELOCs	0%	100%	$285,000
First Bank and Trust Company A+5.0 ★Texas Ratio: 3.79%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$55,000	View
Cornerstone First Mortgage, LLC	Conventional	1	0%	100%	$465,000
Guaranteed Rate Affinity, LLC	Conventional	1	0%	100%	$615,000
Devon Bank B+4.0 ★Texas Ratio: 2.09%	Conventional	1	0%	100%	$585,000	View
Liberty Federal Credit Union	Conventional	1	0%	100%	$775,000
Atlantic Coast Mortgage, LLC	Conventional	1	0%	100%	$125,000
Primary Residential Mortgage, INC.	Conventional	1	0%	100%	$545,000
MidFirst Bank A+5.0 ★Texas Ratio: 4.93%	Conventional, Jumbo	1	0%	100%	$915,000	View
Affordable Mortgage Advisors	Conventional	1	0%	100%	$235,000
Success Lending, LLC	Conventional	1	0%	100%	$385,000
Go Mortgage, LLC	Conventional	1	0%	100%	$225,000
Envoy Mortgage, Ltd	Conventional	1	0%	100%	$575,000
Watermark Capital, Inc.	Conventional	1	0%	100%	$315,000
AAA Capital Investment, Inc	Conventional	1	0%	100%	$435,000
Brighton Bank	VA	1	0%	100%	$565,000
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	Conventional	1	0%	100%	$405,000	View
AmeriHome Mortgage Company, LLC	Conventional	1	0%	100%	$705,000
United Federal Credit Union A+5.0 ★Texas Ratio: 2.15%	Conventional	1	0%	100%	$485,000	View
Dart Bank	Conventional	1	0%	100%	$415,000
C&F Mortgage Corporation A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	1	0%	100%	$1,005,000	View
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0%	100%	$705,000	View
Princeton Mortgage Corporation	Conventional	1	0%	100%	$495,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0%	100%	$545,000	View
AdvantageFirst Lending Inc	FHA	1	0%	50%	$215,000
Renasant Bank A+5.0 ★Texas Ratio: 4.72%	Conventional	1	0%	100%	$405,000	View
Plus Relocation Mortgage, LLC	Conventional	1	0%	100%	$485,000
Orangepath Financial Inc	Conventional	1	0%	100%	$515,000
Universal Mortgage & Finance, Inc	Conventional	1	0%	100%	$475,000
Nqm Funding, LLC	Conventional	1	0%	100%	$645,000
Bayshore Mortgage Funding	Conventional	1	0%	100%	$475,000
Sfmc, LP	Conventional	1	0%	100%	$565,000
Advisors Mortgage Group, LLC	Conventional	1	0%	100%	$635,000
Credit Union Mortgage Associat	Conventional	1	0%	100%	$525,000
Intercoastal Mortgage, LLC	Conventional	1	0%	100%	$545,000
New Wave Lending Group Inc	Conventional	1	0%	100%	$175,000
Nation One Mortgage Corporatio	Conventional	1	0%	100%	$805,000
Bank of Whittier, Na A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0%	100%	$805,000	View
American Financing Corporation	FHA	1	0%	50%	$485,000
United Premier Funding LLC	Conventional	1	0%	100%	$645,000
First Colony Mortgage Corporat	Conventional	1	0%	100%	$375,000
Real Genius LLC	Conventional	1	0%	100%	$555,000
Ivy Mortgage, Inc.	Conventional	1	0%	100%	$425,000
Elements Financial Federal Cre	Conventional	1	0%	100%	$285,000
Corning Credit Union	Conventional	1	0%	100%	$385,000
Calcon Mutual Mortgage LLC	VA, Jumbo	1	0%	100%	$1,435,000
Oceanfirst Bank A+5.0 ★Texas Ratio: 5.26%	Conventional	1	0%	100%	$325,000	View
Ony Glo, Inc.	Conventional	1	0%	100%	$305,000
CityWorth Mortgage LLC	Conventional	1	0%	100%	$435,000
Planet Home Lending, LLC	FHA	1	0%	40%	$655,000
Embrace Home Loans, Inc.	Conventional	1	0%	100%	$205,000
Teachers Federal Credit Union	Conventional	1	0%	100%	$265,000
Franklin Loan Corporation	Conventional	1	0%	100%	$625,000
BoxCar Mortgage, LLC	Conventional	1	0%	100%	$725,000
First Equity Mortgage Inc	Conventional	1	0%	100%	$505,000
Wheaton Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 3.87%	Conventional	1	0%	100%	$505,000	View
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional	1	0%	100%	$105,000	View
Synovus Bank	Conventional	1	0%	100%	$765,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0%	100%	$425,000	View
New Fed Mortgage Corp.	Conventional	1	0%	100%	$555,000
Andrews Federal Credit Union	Conventional	1	0%	100%	$615,000
Emet Lending Group, Inc.	Conventional	1	0%	100%	$415,000
Acopia, LLC	Conventional	1	0%	100%	$465,000
Stockton Mortgage Corporation A+5.0 ★Texas Ratio: 0.21%	Conventional	1	0%	100%	$255,000	View
United Mortgage Corp. A+5.0 ★Texas Ratio: 2.15%	Conventional	1	0%	100%	$225,000	View
American Heritage Federal Credit Union	Conventional	1	0%	100%	$145,000
Uif Corporation	Conventional	1	0%	50%	$455,000
Willamette Valley Bank A+5.0 ★Texas Ratio: 0.89%	Conventional	1	0%	100%	$645,000	View
Mortgage Solutions of Colorado	Conventional	1	0%	100%	$585,000
First Reliance Bank A+5.0 ★Texas Ratio: 0.55%	Conventional, Jumbo	1	0%	100%	$905,000	View
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0%	100%	$435,000	View
1St 2Nd Mortgage Company of N.J., Inc.	Conventional	1	0%	100%	$655,000
The State Bank & Trust Company A+5.0 ★Texas Ratio: 1.99%	Conventional	1	0%	100%	$675,000	View
Valley National Bank A+5.0 ★Texas Ratio: 5.76%	Conventional	1	0%	100%	$505,000	View
First Central Savings Bank	Conventional	1	0%	100%	$505,000
Bank of Stockton A+5.0 ★Texas Ratio: 0.21%	Conventional	1	0%	100%	$75,000	View
State Departmenet Federal Credit Union	Conventional	1	0%	100%	$265,000
Toyota Financial Savings Bank	Conventional	1	0%	100%	$515,000
Nexera Holding LLC	Conventional	1	0%	100%	$375,000
Ark-La-Tex Financial Services LLC	Conventional	1	0%	50%	$445,000
Top Flite Financial, Inc.	FHA	1	0%	100%	$415,000
Vista Point Mortgage, LLC	Conventional	1	0%	100%	$635,000
Champions Funding, LLC	Conventional	1	0%	100%	$365,000
Star One Credit Union	Conventional, Jumbo	1	0%	100%	$905,000
JMAC Lending, Inc.	Conventional	1	0%	100%	$615,000
Figure Lending LLC	HELOC	0 +13 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +12 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +7 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +4 HELOCs	0%	n/a
First Technology Federal Credit Union	HELOC	0 +4 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +3 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Valon Mortgage A+5.0 ★Texas Ratio: 3.19%	HELOC	0 +2 HELOCs	0%	n/a		View
Affinity Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Nasa Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Signature Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Tower Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Northwest Federal Credit Union A+5.0 ★Texas Ratio: 1.69%	HELOC	0 +1 HELOCs	0%	n/a		View
First Savings Bank	HELOC	0 +1 HELOCs	0%	n/a
Ithink Financial Credit Union	HELOC	0 +1 HELOCs	0%	n/a
WSFS bank A+5.0 ★Texas Ratio: 3.10%	HELOC	0 +1 HELOCs	0%	n/a		View
First National Bank of Omaha A+5.0 ★Texas Ratio: 4.82%	HELOC	0 +1 HELOCs	0%	n/a		View

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Cary Mortgage Rate Trends

Daily average mortgage rates for North Carolina compared with the national average, updated every evening.

30-Year Fixed NC Avg

7.431%

▲ 0.109 vs 7 days ago

15-Year Fixed NC Avg

6.986%

▲ 0.082 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Cary, North Carolina

Looking for mortgage lenders near me or mortgage brokers near me in Cary? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cary in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Cary, NC

Use these to narrow the list above. Each category shows how many Cary, NC lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 158 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 91 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 42 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 39 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 49 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 70 lenders. Loans above the conforming limit for higher priced homes Local lenders based in NC 26 lenders headquartered in North Carolina, the closest thing to a mortgage lender near you

Who Lends in Cary, NC

Independent mortgage companies closed 64.3 percent of home loans in Cary, North Carolina in 2025, banks 22.9 percent and credit unions 12.9 percent. American Security Mortgage Cor was the largest mortgage company, First Ciitizens Bank and Trust the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, First Ciitizens Bank and Trust led with 63 loans.

64.3%

Mortgage companies

22.9%

Banks

12.9%

Credit unions

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

An attorney must handle the closing in North Carolina. State excise (transfer) tax of $1 per $500 of price, customarily paid by the seller, plus an additional 1 percent land transfer tax in seven northeastern counties (Camden, Chowan, Currituck, Dare, Pasquotank, Perquimans, Washington); no mortgage recording tax.

More North Carolina Mortgage Lender Pages

All North Carolina lenders 1,003 lenders Charlotte 471 lenders Raleigh 368 lenders Durham 327 lenders Greensboro 278 lenders Fayetteville 241 lenders Winston-Salem 268 lenders Concord 235 lenders Fuquay-Varina 224 lenders Apex 197 lenders Gastonia 197 lenders Wilmington 221 lenders High Point 204 lenders

Frequently Asked Questions About Mortgage Lenders in Cary, NC

Who is the largest mortgage lender in Cary, NC?

By home loans closed in 2025, First Ciitizens Bank and Trust was the largest mortgage lender in Cary, North Carolina with 63 loans, about 2.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Cary, NC have the highest approval rates?

Among lenders with meaningful volume in Cary, North Carolina, M/I Financial. LLC approved the highest share of completed applications in 2025 at 100 percent, against a 90.1 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Cary, NC mortgage lenders offer FHA, VA and USDA loans?

39 lenders closed FHA loans in Cary, North Carolina in 2025, led by Rocket Mortgage with 13. 49 lenders closed VA loans, led by United Wholesale Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Cary, NC lender list?

Yes. 91 banks and 42 credit unions closed home loans in Cary, North Carolina in 2025, alongside 158 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Cary, NC ranked on this page?

Lenders are ranked only by the number of home loans they closed in Cary, North Carolina during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Cary, North Carolina for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Cary. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.