Chapel Hill, North Carolina mortgage lenders include First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust1650 E Franklin St, Chapel Hill, NC 27514A5.0 ★Texas Ratio: 7.72%, Truist BankTruist Bank143 E Rosemary St, Chapel Hill, NC 27514A+5.0 ★Texas Ratio: 2.87%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA201 Village Center Dr, Chapel Hill, NC 27516A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA112 West Barbee Chapel Hill Road, Chapel Hill, NC 27517A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA100 Banks Dr, Chapel Hill, NC 27514A+5.0 ★Texas Ratio: 4.14%, Fifth Third Bank, National AssociationFifth Third Bank, National Association214 W Franklin St, Chapel Hill, NC 27516A+5.0 ★Texas Ratio: 3.22%, First Horizon BankFirst Horizon Bank126 W Franklin St, Chapel Hill, NC 27516A+5.0 ★Texas Ratio: 5.76%, PNC Bank N.A.PNC Bank N.A.50001 Governors Dr, Chapel Hill, NC 27517A+5.0 ★Texas Ratio: 4.24%, Pinnacle BankPinnacle Bank1203 Martin Luther King Jr Blvd, Chapel Hill, NC 27514A+5.0 ★Texas Ratio: 3.04%, and Corporate Investors Mortgage GCorporate Investors Mortgage GChapel Hill, NC. 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 Chapel Hill, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Chapel Hill 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.
Market share is the lender's share of all home loans closed in Chapel Hill, 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 |
|---|---|---|---|---|---|---|
|
2 offices in Chapel Hill 1650 E Franklin St, Chapel Hill, NC 27514 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo, HELOC | 23 +26 HELOCs |
4.2% | 92.3% | $717,173 | View |
|
★ 1 stars, 1 review 2 offices in Chapel Hill 143 E Rosemary St, Chapel Hill, NC 27514 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo, HELOC | 10 +35 HELOCs |
1.8% | 90.9% | $800,000 | View |
|
3 offices in Chapel Hill 201 Village Center Dr, Chapel Hill, NC 27516 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 10 +1 HELOCs |
1.8% | 90.9% | $639,000 | View |
|
4 offices in Chapel Hill 112 West Barbee Chapel Hill Road, Chapel Hill, NC 27517 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 9 | 1.6% | 100% | $446,111 | View |
|
2 offices in Chapel Hill 100 Banks Dr, Chapel Hill, NC 27514 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 8 +16 HELOCs |
1.5% | 72.7% | $475,000 | View |
|
3 offices in Chapel Hill 214 W Franklin St, Chapel Hill, NC 27516 A+5.0 ★Texas Ratio: 3.22% |
Conventional, Jumbo, HELOC | 6 +10 HELOCs |
1.1% | 77.8% | $705,000 | View |
|
★ 5 stars, 1 review 2 offices in Chapel Hill 126 W Franklin St, Chapel Hill, NC 27516 A+5.0 ★Texas Ratio: 5.76% |
Conventional, HELOC | 3 +3 HELOCs |
0.5% | 100% | $428,333 | View |
|
★ 1.7 stars, 3 reviews 2 offices in Chapel Hill 50001 Governors Dr, Chapel Hill, NC 27517 A+5.0 ★Texas Ratio: 4.24% |
Conventional, Jumbo, HELOC | 2 +6 HELOCs |
0.4% | 66.7% | $690,000 | View |
|
2 offices in Chapel Hill 1203 Martin Luther King Jr Blvd, Chapel Hill, NC 27514 A+5.0 ★Texas Ratio: 3.04% |
Conventional, Jumbo, HELOC | 2 +4 HELOCs |
0.4% | 100% | $685,000 | View |
Corporate Investors Mortgage G
|
Conventional, VA, Jumbo | 57 | 10.3% | 100% | $614,473 | |
|
110 S ELLIOTT RD, CHAPEL HILL, NC 27514 A-5.0 ★Texas Ratio: 14.13% |
Conventional, Jumbo, HELOC | 74 +78 HELOCs |
13.4% | 94.9% | $431,891 | View |
|
105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94% |
Conventional | 22 | 4% | 100% | $173,636 | View |
|
303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional, Jumbo, HELOC | 12 +4 HELOCs |
2.2% | 100% | $658,333 | View |
|
Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
Conventional, HELOC | 4 +15 HELOCs |
0.7% | 71.4% | $392,500 | |
|
★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82% |
Conventional, VA, Jumbo | 4 | 0.7% | 100% | $567,500 | View |
|
★ 5 stars, 1 review 192 E Woodrow Ave, Belmont, NC 28012 A+5.0 ★Texas Ratio: 2.27% |
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $545,000 | View |
|
2200 W Main St Ste L100, Durham, NC 27705 4600 A5.0 ★Texas Ratio: 6.76% |
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $135,000 | View |
|
732 Main St, Andrews, NC 28901 A+5.0 ★Texas Ratio: 2.97% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $775,000 | View |
|
47560 Highway 12, Buxton, NC 27920 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.2% | 100% | $765,000 | View |
|
121 W Trade St Ste 1150, Charlotte, NC 28202 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.2% | 100% | $215,000 | View |
|
1641 Blowing Rock Road, Boone, NC 28607 A+5.0 ★Texas Ratio: 3.31% |
Conventional | 1 | 0.2% | 100% | $335,000 | View |
|
2821 Crisman St, Charlotte, NC 28208 A+5.0 ★Texas Ratio: 3.27% |
Conventional | 1 | 0.2% | 100% | $195,000 | View |
|
335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
804 E Williams St, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.02% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
148 Charlotte St, Asheville, NC 28801 1923 A5.0 ★Texas Ratio: 9.56% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
4064 Colony Rd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 3.08% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
American Security Mortgage Cor
|
Conventional, FHA, Jumbo | 8 | 1.5% | 100% | $618,750 | |
|
A+5.0 ★Texas Ratio: 5.20% |
Conventional | 1 | 0.2% | 100% | $65,000 | View |
Wolfe Financial Inc
|
Conventional | 1 | 0.2% | 100% | $115,000 | |
|
A+5.0 ★Texas Ratio: 3.12% |
Conventional | 1 | 0.2% | 100% | $465,000 | View |
Towne Mtg of the Carolinas,LLC
|
Conventional | 1 | 0.2% | 50% | $295,000 | |
Goprime Mortgage, Inc.
|
Conventional | 1 | 0.2% | 100% | $255,000 | |
Rocket Mortgage
|
Conventional, FHA, Jumbo | 37 | 6.7% | 86% | $384,459 | |
United Wholesale Mortgage
|
Conventional, FHA, Jumbo, HELOC | 22 +1 HELOCs |
4% | 95.7% | $489,545 | |
Kbhs Home Loans, LLC
|
Conventional, FHA, VA | 11 | 2% | 91.7% | $392,272 | |
Movement Mortgage, LLC
|
Conventional, VA | 11 | 2% | 100% | $558,636 | |
Prosperity Home Mortgage, LLC
|
Conventional, Jumbo | 10 | 1.8% | 100% | $540,000 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA, Jumbo, HELOC | 8 +2 HELOCs |
1.5% | 100% | $473,750 | |
The Loan Store, Inc
|
Conventional, FHA, HELOC | 8 +1 HELOCs |
1.5% | 90% | $305,000 | |
Union Home Mortgage Corp.
|
Conventional | 8 | 1.5% | 100% | $277,500 | |
Tri Pointe Connect, LLC
|
Conventional | 8 | 1.5% | 100% | $345,000 | |
T2 Financial LLC
|
Conventional, Jumbo | 8 | 1.5% | 100% | $601,250 | |
Pennymac Loan Services LLC
|
Conventional, VA, Jumbo | 7 | 1.3% | 88.9% | $682,142 | |
General Mortgage Capital Corporation
|
Conventional | 7 | 1.3% | 100% | $475,000 | |
Newrez LLC
|
Conventional, FHA | 6 | 1.1% | 75% | $353,333 | |
|
A+5.0 ★Texas Ratio: 0.51% |
Conventional | 6 | 1.1% | 85.7% | $315,000 | View |
Freedom Mortgage Corporation
|
Conventional, FHA, VA | 5 | 0.9% | 100% | $513,000 | |
Provident Funding Associates
|
Conventional | 5 | 0.9% | 100% | $465,000 | |
New American Funding, LLC.
|
Conventional, HELOC | 4 +1 HELOCs |
0.7% | 100% | $462,500 | |
EMM Loans LLC
|
Conventional, FHA | 4 | 0.7% | 100% | $450,000 | |
Lakeview Loan Servicing, LLC
|
Conventional, FHA | 4 | 0.7% | 66.7% | $290,000 | |
Princeton Mortgage Corporation
|
Conventional, Jumbo | 4 | 0.7% | 100% | $697,500 | |
First Heritage Mortgage, LLC
|
Conventional | 4 | 0.7% | 100% | $465,000 | |
Zillow Home Loans, LLC
|
Conventional, Jumbo | 4 | 0.7% | 100% | $562,500 | |
Mutual of Omaha Mortgage
|
Conventional | 4 | 0.7% | 100% | $495,000 | |
TowneBank
|
Conventional, Jumbo, HELOC | 3 +2 HELOCs |
0.5% | 100% | $1,191,666 | |
|
A4.8 ★Texas Ratio: 2.45% |
Conventional, HELOC | 3 +1 HELOCs |
0.5% | 100% | $611,666 | View |
Discover Bank
|
Conventional | 3 | 0.5% | 75% | $141,666 | |
Nationstar Mortgage
|
Conventional | 3 | 0.5% | 100% | $388,333 | |
Fairway Independent Mort Corp
|
Conventional | 3 | 0.5% | 100% | $571,666 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 3 | 0.5% | 100% | $411,666 | |
Champions Funding, LLC
|
Conventional | 3 | 0.5% | 100% | $401,666 | |
|
A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 2 +3 HELOCs |
0.4% | 100% | $100,000 | View |
Better Mortgage Corporation
|
Conventional, HELOC | 2 +2 HELOCs |
0.4% | 100% | $395,000 | |
|
A+5.0 ★Texas Ratio: 3.36% |
Conventional | 2 | 0.4% | 100% | $515,000 | View |
Amerisave Mortgage Company
|
Conventional | 2 | 0.4% | 66.7% | $230,000 | |
Strong Home Mortgage, LLC
|
FHA | 2 | 0.4% | 100% | $410,000 | |
Mortgage Research Center
|
VA | 2 | 0.4% | 66.7% | $390,000 | |
V.I.P. Mortgage, Inc.
|
Conventional | 2 | 0.4% | 100% | $475,000 | |
RoundPoint Mortgage Servicing LLC
|
Conventional | 2 | 0.4% | 100% | $260,000 | |
|
A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 2 | 0.4% | 100% | $1,030,000 | View |
|
A+5.0 ★Texas Ratio: 2.14% |
Conventional | 2 | 0.4% | 100% | $480,000 | View |
Nexera Holding LLC
|
Conventional, Jumbo | 2 | 0.4% | 100% | $805,000 | |
|
A+5.0 ★Texas Ratio: 3.82% |
Conventional | 2 | 0.4% | 100% | $210,000 | View |
Genisys Credit Union
|
Conventional | 1 | 0.2% | 100% | $375,000 | |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.2% | 100% | $785,000 | View |
Originpoint, LLC
|
VA, Jumbo | 1 | 0.2% | 100% | $1,065,000 | |
American Financial Resources LLC
|
Conventional | 1 | 0.2% | 100% | $685,000 | |
Guaranteed Rate, Inc.
|
Conventional | 1 | 0.2% | 100% | $595,000 | |
Primary Residential Mortgage, INC.
|
Conventional | 1 | 0.2% | 100% | $485,000 | |
Go Mortgage, LLC
|
Conventional | 1 | 0.2% | 100% | $405,000 | |
Nbkc Bank
|
Conventional | 1 | 0.2% | 33.3% | $535,000 | |
Equity Prime Mortgage LLC
|
VA | 1 | 0.2% | 100% | $425,000 | |
Howard Hanna Financial Services, Inc
|
Conventional | 1 | 0.2% | 100% | $205,000 | |
|
A+5.0 ★Texas Ratio: 2.38% |
VA, Jumbo | 1 | 0.2% | 100% | $1,075,000 | View |
HomeXpress Mortgage Corp.
|
Conventional | 1 | 0.2% | 100% | $245,000 | |
Cmg Mortgage Inc
|
Conventional | 1 | 0.2% | 100% | $505,000 | |
Nqm Funding, LLC
|
Conventional | 1 | 0.2% | 100% | $495,000 | |
Mortgage Assurance Inc
|
Conventional | 1 | 0.2% | 100% | $365,000 | |
Advisors Mortgage Group, LLC
|
Conventional | 1 | 0.2% | 100% | $155,000 | |
Bank Fund Staff Federal Credit
|
Conventional, Jumbo | 1 | 0.2% | 100% | $1,125,000 | |
Bay Equity LLC
|
Conventional | 1 | 0.2% | 100% | $415,000 | |
United Premier Funding LLC
|
Conventional | 1 | 0.2% | 100% | $245,000 | |
Aurora Financial, LLC
|
Conventional | 1 | 0.2% | 100% | $385,000 | |
Corning Credit Union
|
Conventional | 1 | 0.2% | 100% | $305,000 | |
Nfm, Inc
|
Conventional | 1 | 0.2% | 100% | $385,000 | |
American Internet Mortgage, Inc.
|
Conventional | 1 | 0.2% | 100% | $595,000 | |
Foundation Mortgage Corporation
|
Conventional, Jumbo | 1 | 0.2% | 100% | $1,055,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.2% | 33.3% | $175,000 | View |
Resource Financial Services, Inc.
|
Conventional | 1 | 0.2% | 100% | $565,000 | |
Beeline Loans, Inc.
|
Conventional | 1 | 0.2% | 100% | $265,000 | |
Encompass Lending Group, L.P.
|
Conventional | 1 | 0.2% | 100% | $605,000 | |
BoxCar Mortgage, LLC
|
Conventional | 1 | 0.2% | 100% | $615,000 | |
South Carolina Federal Credit
|
Conventional | 1 | 0.2% | 100% | $505,000 | |
|
A5.0 ★Texas Ratio: 6.31% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,455,000 | |
|
A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.2% | 100% | $705,000 | View |
Andrews Federal Credit Union
|
Conventional | 1 | 0.2% | 100% | $105,000 | |
Lower, LLC
|
Conventional | 1 | 0.2% | 100% | $245,000 | |
Mortgage Investors Group
|
FHA | 1 | 0.2% | 100% | $315,000 | |
|
★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,665,000 | View |
United Nations Federal CU
|
Conventional | 1 | 0.2% | 100% | $355,000 | |
Reliance First Capital, LLC
|
Conventional | 1 | 0.2% | 100% | $155,000 | |
Mason-McDuffie Mortgage Corporation
|
Conventional | 1 | 0.2% | 50% | $495,000 | |
Spring Eq, LLC
|
Conventional | 1 | 0.2% | 50% | $105,000 | |
Ark-La-Tex Financial Services LLC
|
Conventional | 1 | 0.2% | 100% | $685,000 | |
|
A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 1 | 0.2% | 100% | $815,000 | View |
Tomo Mortgage LLC
|
Conventional | 1 | 0.2% | 50% | $335,000 | |
|
A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
loanDepot.com LLC
|
HELOC | 0 +5 HELOCs |
0% | 0% | ||
Pentagon Federal Credit Union
|
HELOC | 0 +4 HELOCs |
0% | n/a | ||
Fourleaf Federal Credit Union
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Georgia'S Own Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Clearview Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Daily average mortgage rates for North Carolina compared with the national average, updated every evening.
Looking for mortgage lenders near me or mortgage brokers near me in Chapel Hill? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Chapel Hill in 2025, with lenders based there listed first.
Use these to narrow the list above. Each category shows how many Chapel Hill, NC lenders fit and what that kind of lender is usually best for.
Independent mortgage companies closed 55.9 percent of home loans in Chapel Hill, North Carolina in 2025, banks 27 percent and credit unions 17.1 percent. Corporate Investors Mortgage G 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 23 loans.
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.
By home loans closed in 2025, First Ciitizens Bank and Trust was the largest mortgage lender in Chapel Hill, North Carolina with 23 loans, about 4.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Chapel Hill, North Carolina, Corporate Investors Mortgage G approved the highest share of completed applications in 2025 at 100 percent, against a 92.9 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.
12 lenders closed FHA loans in Chapel Hill, North Carolina in 2025, led by Kbhs Home Loans, LLC with 3. 12 lenders closed VA loans, led by Pennymac Loan Services LLC. 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.
Yes. 40 banks and 20 credit unions closed home loans in Chapel Hill, North Carolina in 2025, alongside 67 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.
Lenders are ranked only by the number of home loans they closed in Chapel Hill, 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.
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 Chapel Hill, 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 Chapel Hill. 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.