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Mortgage Lenders and Brokers in Clayton, North Carolina

Content reviewed by

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

Clayton, North Carolina mortgage lenders include First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust10702 Us 70 West, Clayton, NC 27520A5.0 ★Texas Ratio: 7.72%, Truist BankTruist Bank11508 US Highway 70 West, Clayton, NC 27520A+5.0 ★Texas Ratio: 2.87%, Bank of America NABank of America NA11601 Us 70 Hwy W, Clayton, NC 27520A+5.0 ★Texas Ratio: 4.14%, First National Bank of PAFirst National Bank of PA315 E Main St, Clayton, NC 27520A+5.0 ★Texas Ratio: 1.62%, Wells Fargo Bank NAWells Fargo Bank NA1405 Executive Dr, Clayton, NC 27520A+5.0 ★Texas Ratio: 5.36%, Ks Bank, Inc.Ks Bank, Inc.11591 Us 70 Business Hwy W, Clayton, NC 27520A+5.0 ★Texas Ratio: 1.78%, United Community BankUnited Community Bank102 E Main St, Clayton, NC 27520A+5.0 ★Texas Ratio: 2.97%, PNC Bank N.A.PNC Bank N.A.11861 Us Highway 70 West, Clayton, NC 27520A+5.0 ★Texas Ratio: 4.24%, Fifth Third Bank, National AssociationFifth Third Bank, National Association55 District Way, Clayton, NC 27527A+5.0 ★Texas Ratio: 3.22%, and State Employees' Credit UnionState Employees' Credit Union512 REGENCY PARK DR, CLAYTON, NC 27520A-5.0 ★Texas Ratio: 14.13%. 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 Clayton, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Clayton 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 Clayton, North Carolina

Market share is the lender's share of all home loans closed in Clayton, 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 1 office in Clayton 10702 Us 70 West, Clayton, NC 27520 A5.0 ★Texas Ratio: 7.72%	Conventional, FHA, Jumbo, HELOC	22 +21 HELOCs	1.7%	88%	$190,000	View
Truist Bank ★ 1 stars, 1 review 1 office in Clayton 11508 US Highway 70 West, Clayton, NC 27520 A+5.0 ★Texas Ratio: 2.87%	Conventional, FHA, Jumbo, HELOC	14 +12 HELOCs	1.1%	93.3%	$402,857	View
Bank of America NA 1 office in Clayton 11601 Us 70 Hwy W, Clayton, NC 27520 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	12 +10 HELOCs	0.9%	100%	$282,500	View
First National Bank of PA 1 office in Clayton 315 E Main St, Clayton, NC 27520 A+5.0 ★Texas Ratio: 1.62%	Conventional, HELOC	9 +12 HELOCs	0.7%	69.2%	$180,555	View
Wells Fargo Bank NA 1 office in Clayton 1405 Executive Dr, Clayton, NC 27520 A+5.0 ★Texas Ratio: 5.36%	Conventional	9	0.7%	75%	$271,666	View
Ks Bank, Inc. 1 office in Clayton 11591 Us 70 Business Hwy W, Clayton, NC 27520 A+5.0 ★Texas Ratio: 1.78%	Conventional, Jumbo	8	0.6%	88.9%	$748,750	View
United Community Bank 1 office in Clayton 102 E Main St, Clayton, NC 27520 A+5.0 ★Texas Ratio: 2.97%	Conventional, FHA, VA, HELOC	6 +9 HELOCs	0.5%	100%	$291,666	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Clayton 11861 Us Highway 70 West, Clayton, NC 27520 A+5.0 ★Texas Ratio: 4.24%	Conventional, FHA, HELOC	5 +20 HELOCs	0.4%	83.3%	$365,000	View
Fifth Third Bank, National Association 1 office in Clayton 55 District Way, Clayton, NC 27527 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	3 +1 HELOCs	0.2%	50%	$161,666	View
State Employees' Credit Union 512 REGENCY PARK DR, CLAYTON, NC 27520 A-5.0 ★Texas Ratio: 14.13%	Conventional, Jumbo, HELOC	82 +104 HELOCs	6.3%	83.8%	$300,000	View
Coastal Federal Credit Union Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34%	Conventional, HELOC	19 +50 HELOCs	1.5%	76.9%	$234,473
JPMorgan Chase Bank, NA 1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	15 +1 HELOCs	1.2%	100%	$308,333	View
Latino Community Credit Union 104 NC 54 Ste KK, Carrboro, NC 27510 A5.0 ★Texas Ratio: 6.08%	Conventional	6	0.5%	100%	$253,333	View
North State Bank 835 Highway 70 West, Garner, NC 27529 A+5.0 ★Texas Ratio: 1.77%	Conventional, FHA	5	0.4%	100%	$267,000	View
First Bank 105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94%	Conventional, HELOC	4 +1 HELOCs	0.3%	100%	$222,500	View
US Bank, N.A. 8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA	3	0.2%	100%	$145,000	View
Self Help Credit Union 1911 Hendersonville Rd, Asheville, NC 28803 A+5.0 ★Texas Ratio: 2.49%	Conventional	2	0.2%	100%	$305,000	View
Southern Bank and Trust Company 506 Main St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 1.13%	Conventional	2	0.2%	100%	$440,000	View
Regions Bank 1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$35,000	View
Allegacy Federal Credit Union 128 Yadkin Valley Rd, Advance, NC 27006 A+5.0 ★Texas Ratio: 4.25%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$315,000	View
United Bank Va 47560 Highway 12, Buxton, NC 27920 A+5.0 ★Texas Ratio: 2.15%	Conventional	1	0.1%	100%	$275,000	View
Benchmark Community Bank 103 S Main St, Franklinton, NC 27525 A+5.0 ★Texas Ratio: 1.65%	Conventional	1	0.1%	100%	$455,000	View
Pinnacle Bank 103 N 2nd St, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 3.04%	Conventional	1	0.1%	50%	$225,000	View
blueharbor bank 106 Corporate Park Dr, Mooresville, NC 28117 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$685,000	View
The Fidelity Bank 804 E Williams St, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.02%	HELOC	0 +3 HELOCs	0%	n/a		View
Civic FCU 1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00%	HELOC	0 +3 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
Truliant Federal Credit Union 1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43%	HELOC	0 +1 HELOCs	0%	n/a		View
Southstate Bank, National Association ★ 5 stars, 1 review 192 E Woodrow Ave, Belmont, NC 28012 A+5.0 ★Texas Ratio: 2.27%	HELOC	0 +1 HELOCs	0%	n/a		View
HomeTrust Bank 192 Airport Rd, Arden, NC 28704 A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +1 HELOCs	0%	0%		View
American Security Mortgage Cor	Conventional, FHA, VA	15	1.2%	100%	$353,666
Goprime Mortgage, Inc.	Conventional, FHA	6	0.5%	100%	$341,666
Corporate Investors Mortgage G	Conventional	4	0.3%	100%	$377,500
Towne Mtg of the Carolinas,LLC	Conventional	2	0.2%	66.7%	$315,000
Ally Bank A5.0 ★Texas Ratio: 8.00%	Conventional	1	0.1%	100%	$235,000	View
AgCarolina Farm Credit, ACA	Conventional, Jumbo	1	0.1%	100%	$1,045,000
Cardinal Financial Company, Li	FHA	1	0.1%	100%	$95,000
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional	1	0.1%	100%	$225,000	View
Rocket Mortgage	Conventional, FHA, VA	98	7.6%	84.7%	$256,326
Vanderbilt Mortgage and Finance, Inc	Conventional, FHA, VA, USDA	96	7.4%	75.8%	$254,583
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo	90	6.9%	91.3%	$331,555
Fairway Independent Mort Corp	Conventional, FHA, VA, USDA, HELOC	62 +2 HELOCs	4.8%	98.4%	$293,870
Velocio Mortgage, L.L.C.	Conventional, FHA, VA, USDA	62	4.8%	93.9%	$303,870
Freedom Mortgage Corporation	Conventional, FHA, VA	42	3.2%	88.5%	$351,666
Pulte Mortgage LLC	Conventional, VA	41	3.2%	93.2%	$335,000
Nfm, Inc	Conventional, FHA, VA	29	2.2%	96.8%	$247,068
Movement Mortgage, LLC	Conventional, FHA, VA, HELOC	22 +2 HELOCs	1.7%	96.2%	$348,181
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	21	1.6%	79.3%	$358,809
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	16 +14 HELOCs	1.2%	66.7%	$315,625
CrossCountry Mortgage, LLC	Conventional, FHA, VA	16	1.2%	100%	$341,875
Mortgage Research Center	Conventional, FHA, VA	16	1.2%	59.3%	$345,625
DHI Mortgage Company, LTD.	Conventional, FHA, VA	15	1.2%	93.8%	$371,666
Zillow Home Loans, LLC	Conventional, FHA	13	1%	92.9%	$291,923
Vision Lending Services, LLC A+5.0 ★Texas Ratio: 0.01%	Conventional, FHA, VA, HELOC	12 +1 HELOCs	0.9%	100%	$301,666	View
First Home Mortgage A+5.0 ★Texas Ratio: 0.00%	Conventional, VA, USDA	12	0.9%	92.3%	$231,666	View
Tidewater Mortgage Services, Inc	Conventional, VA	11	0.8%	91.7%	$337,727
Newrez LLC	Conventional, FHA, VA	11	0.8%	78.6%	$342,272
Prosperity Home Mortgage, LLC	Conventional, FHA, VA	11	0.8%	91.7%	$377,727
Amerisave Mortgage Company	Conventional	10	0.8%	47.8%	$132,000
The Loan Store, Inc	Conventional	10	0.8%	100%	$340,000
New American Funding, LLC.	Conventional, FHA, VA	10	0.8%	90.9%	$270,000
Mattamy Home Funding LLC	Conventional, FHA, VA	9	0.7%	100%	$446,111
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional, VA	9	0.7%	100%	$359,444	View
Carrington Mortgage Services LLC	Conventional, FHA, VA	9	0.7%	57.9%	$176,111
Nationstar Mortgage	Conventional	8	0.6%	72.7%	$102,500
loanDepot.com LLC	Conventional, FHA, HELOC	7 +5 HELOCs	0.5%	46.7%	$239,285
Cmg Mortgage Inc	Conventional, FHA, HELOC	7 +1 HELOCs	0.5%	100%	$309,285
American Financial Resources LLC	Conventional, FHA, USDA	7	0.5%	100%	$370,714
Primary Residential Mortgage, INC.	Conventional, FHA	7	0.5%	100%	$255,000
Union Home Mortgage Corp.	Conventional, FHA	7	0.5%	100%	$199,285
Spring Eq, LLC	Conventional, HELOC	6 +3 HELOCs	0.5%	46.7%	$60,000
Guaranteed Rate, Inc.	Conventional, FHA	6	0.5%	100%	$361,666
ALCOVA Mortgage, LLC	Conventional, FHA	6	0.5%	100%	$305,000
21St Mortgage	Conventional	6	0.5%	54.5%	$90,000
Goodleap, LLC	Conventional, FHA	5	0.4%	100%	$159,000
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	5	0.4%	100%	$249,000
Click n' Close, Inc.	Conventional, FHA, VA	5	0.4%	100%	$289,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	5	0.4%	83.3%	$359,000	View
Lower, LLC	Conventional, FHA, VA, HELOC	4 +1 HELOCs	0.3%	100%	$332,500
Guild Mortgage Company	Conventional, FHA, VA	4	0.3%	100%	$290,000
AdvantageFirst Lending Inc	Conventional, FHA, VA	4	0.3%	100%	$305,000
Lennar Mortgage, LLC	Conventional	4	0.3%	66.7%	$370,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	4	0.3%	50%	$257,500	View
Churchill Mortgage Corporation	Conventional	4	0.3%	100%	$297,500
Provident Funding Associates	Conventional	4	0.3%	100%	$312,500
Mutual of Omaha Mortgage	Conventional, VA	4	0.3%	57.1%	$375,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	4	0.3%	66.7%	$327,500	View
Village Capital & Investment	VA	4	0.3%	83.3%	$370,000
Equity Resources Inc	Conventional, FHA	3	0.2%	100%	$155,000
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 3.36%	Conventional, VA	3	0.2%	100%	$301,666	View
Primelending	Conventional, FHA	3	0.2%	100%	$225,000
Success Lending, LLC	Conventional, FHA	3	0.2%	75%	$285,000
Sage Home Loans Corporation	Conventional	3	0.2%	100%	$385,000
PHH Mortgage Corporation	Conventional	3	0.2%	100%	$301,666
American Financial Network, Inc.	Conventional, FHA	3	0.2%	100%	$168,333
City Lending Inc.	Conventional, FHA	3	0.2%	100%	$178,333
Homestead Funding Corp.	Conventional, FHA	3	0.2%	100%	$291,666
Sfmc, LP	Conventional, VA	3	0.2%	100%	$368,333
New Day Financial, LLC.	VA	3	0.2%	42.9%	$291,666
Atlantic Bay Mortgage Group	Conventional, FHA	3	0.2%	100%	$238,333
T2 Financial LLC	Conventional	3	0.2%	100%	$255,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	3	0.2%	75%	$398,333	View
Reliance First Capital, LLC	Conventional, FHA, Jumbo	3	0.2%	100%	$428,333
University Federal Credit Union A+5.0 ★Texas Ratio: 3.82%	Conventional, FHA	3	0.2%	100%	$391,666	View
Everett Financial, Inc.	Conventional, FHA	2	0.2%	100%	$325,000
Nbkc Bank	Conventional	2	0.2%	100%	$260,000
Acrisure Mortgage, LLC	Conventional	2	0.2%	100%	$515,000
Kind Lending, LLC	VA	2	0.2%	100%	$385,000
AmeriHome Mortgage Company, LLC	FHA	2	0.2%	100%	$360,000
Triad Financial Services, Inc.	Conventional	2	0.2%	63.6%	$110,000
Michigan Mutual, Inc	Conventional, FHA	2	0.2%	100%	$220,000
Discover Bank	Conventional	2	0.2%	15.4%	$60,000
Sun West Mortgage Company, Inc	Conventional, FHA	2	0.2%	66.7%	$485,000
First Heritage Mortgage, LLC	Conventional	2	0.2%	100%	$305,000
Encompass Lending Group, L.P.	Conventional, FHA	2	0.2%	100%	$335,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	2	0.2%	100%	$335,000	View
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	2	0.2%	100%	$280,000	View
Towne Mortgage Company	Conventional, FHA	2	0.2%	100%	$395,000
Mortgage Solutions of Colorado	Conventional, FHA	2	0.2%	100%	$165,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional	2	0.2%	50%	$55,000	View
Sunflower Bank, N.A. A5.0 ★Texas Ratio: 10.77%	Conventional	2	0.2%	100%	$415,000	View
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$245,000	View
TowneBank	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$315,000
EMM Loans LLC	Conventional	1	0.1%	100%	$425,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$375,000	View
Originpoint, LLC	Conventional	1	0.1%	100%	$295,000
Kbhs Home Loans, LLC	Conventional	1	0.1%	100%	$295,000
Residential Wholesale Mortgage	Conventional	1	0.1%	100%	$215,000
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	Conventional	1	0.1%	100%	$265,000	View
Lakeview Loan Servicing, LLC	FHA	1	0.1%	71.4%	$415,000
Envoy Mortgage, Ltd	Conventional	1	0.1%	100%	$285,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$215,000
Equity Prime Mortgage LLC	VA	1	0.1%	50%	$425,000
Allied Mortgage Group, Inc	FHA	1	0.1%	100%	$275,000
Howard Hanna Financial Services, Inc	Conventional	1	0.1%	100%	$235,000
Fed Ex Employees Credit Association	Conventional	1	0.1%	100%	$35,000
TruHome Solutions, LLC	Conventional	1	0.1%	100%	$295,000
Loanunited.Com, LLC	VA	1	0.1%	100%	$445,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$345,000	View
United Trust Bank	VA	1	0.1%	100%	$285,000
Filo Mortgage, LLC	FHA	1	0.1%	100%	$275,000
Resicentral LLC	Conventional	1	0.1%	100%	$265,000
General Mortgage Capital Corporation	Conventional	1	0.1%	100%	$235,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	FHA	1	0.1%	100%	$285,000	View
Valon Mortgage A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0.1%	100%	$65,000	View
Nqm Funding, LLC	Conventional	1	0.1%	100%	$445,000
Success Mortgage Partners, Inc	VA	1	0.1%	100%	$325,000
Ahl Funding	Conventional	1	0.1%	100%	$545,000
Intercoastal Mortgage, LLC	Conventional	1	0.1%	66.7%	$185,000
Northwest Federal Credit Union A+5.0 ★Texas Ratio: 1.69%	Conventional	1	0.1%	100%	$445,000	View
Nation One Mortgage Corporatio	Conventional	1	0.1%	100%	$185,000
Flexpoint, Inc.	Conventional	1	0.1%	100%	$315,000
Marlin Mortgage Capital, LLC	FHA	1	0.1%	100%	$375,000
Schumacher Mortgage LLC	Conventional	1	0.1%	100%	$795,000
ClearPath Lending	VA	1	0.1%	100%	$285,000
Mid-Continent Funding, Inc.	VA	1	0.1%	100%	$355,000
American Heritage Lending, LLC	Conventional	1	0.1%	100%	$325,000
Weichert Financial Services	Conventional	1	0.1%	100%	$365,000
Homeowners Financial Group, LLC	Conventional	1	0.1%	100%	$195,000
Congressional Federal Credit Union	Conventional	1	0.1%	100%	$65,000
Calcon Mutual Mortgage LLC	Conventional	1	0.1%	50%	$465,000
Capital Center LLC	Conventional	1	0.1%	100%	$305,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$805,000
Shoreham Bank	FHA	1	0.1%	100%	$25,000
Hsbc Bank USA, NA A+5.0 ★Texas Ratio: 4.86%	Conventional	1	0.1%	100%	$645,000	View
The Freedom Bank of Virginia C+4.2 ★Texas Ratio: 24.99%	FHA	1	0.1%	100%	$305,000	View
Mid-Atlantic FCU	Conventional	1	0.1%	100%	$355,000
Planet Home Lending, LLC	VA	1	0.1%	100%	$365,000
Integrity Home Mortgage Corporation	FHA	1	0.1%	100%	$245,000
St. Charles Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 5.27%	Conventional	1	0.1%	100%	$345,000	View
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional	1	0.1%	100%	$325,000	View
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0.1%	100%	$265,000
Empeople Credit Union A+5.0 ★Texas Ratio: 5.75%	Conventional	1	0.1%	100%	$315,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$55,000
United Mortgage Corp. A+5.0 ★Texas Ratio: 2.15%	FHA	1	0.1%	100%	$225,000	View
Park Lane Finance SolutionsLLC	Conventional	1	0.1%	100%	$65,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.1%	100%	$155,000	View
Wings Financial Credit Union	Conventional	1	0.1%	100%	$395,000
Better Mortgage Corporation	Conventional	1	0.1%	100%	$295,000
Genway Home Mortgage, Inc.	FHA	1	0.1%	100%	$305,000
Keystone Funding, Inc	FHA	1	0.1%	100%	$335,000
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$365,000
Nations Direct Mortgage, LLC	Conventional	1	0.1%	50%	$385,000
Summit Funding.Inc	USDA	1	0.1%	100%	$365,000
Nationwide Mortgage Bankers, Inc.	FHA	1	0.1%	100%	$305,000
Coastal1 Credit Union	Conventional	1	0.1%	100%	$355,000
Southwest Stage Funding LLC	Conventional	1	0.1%	100%	$135,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$515,000	View
Paramount Residential Mortgage	VA	1	0.1%	100%	$415,000
Texana Bank	FHA	1	0.1%	100%	$285,000
Loan Simple, Inc.	FHA	1	0.1%	100%	$325,000
Geneva Financial LLC	VA	1	0.1%	100%	$325,000
American Neighborhood Mortgage Acceptance Company	Conventional	1	0.1%	100%	$305,000
Figure Lending LLC	HELOC	0 +8 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +7 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +5 HELOCs	0%	n/a
Langley Federal Credit Union A5.0 ★Texas Ratio: 10.20%	HELOC	0 +1 HELOCs	0%	n/a
AmWest Funding Corp	HELOC	0 +1 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Corning Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Sharonview Federal CU	HELOC	0 +1 HELOCs	0%	n/a
First Technology Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

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.

Clayton 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 Clayton, North Carolina

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

Types of Mortgage Lenders in Clayton, NC

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

Mortgage companies and brokers 128 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 53 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 22 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 72 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 46 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 6 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 8 lenders. Loans above the conforming limit for higher priced homes Local lenders based in NC 23 lenders headquartered in North Carolina, the closest thing to a mortgage lender near you

Who Lends in Clayton, NC

Independent mortgage companies closed 75.5 percent of home loans in Clayton, North Carolina in 2025, banks 14 percent and credit unions 10.6 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 22 loans.

75.5%

Mortgage companies

14%

Banks

10.6%

Credit unions

20%

FHA loans

12%

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 Cary 268 lenders Concord 235 lenders Fuquay-Varina 224 lenders Apex 197 lenders Gastonia 197 lenders Wilmington 221 lenders

Frequently Asked Questions About Mortgage Lenders in Clayton, NC

Who is the largest mortgage lender in Clayton, NC?

By home loans closed in 2025, First Ciitizens Bank and Trust was the largest mortgage lender in Clayton, North Carolina with 22 loans, about 1.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Clayton, North Carolina, Fairway Independent Mort Corp approved the highest share of completed applications in 2025 at 98.4 percent, against a 84.9 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.

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

72 lenders closed FHA loans in Clayton, North Carolina in 2025, led by Velocio Mortgage, L.L.C. with 42. 46 lenders closed VA loans, led by United Wholesale Mortgage, and 6 closed USDA rural loans. 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 Clayton, NC lender list?

Yes. 53 banks and 22 credit unions closed home loans in Clayton, North Carolina in 2025, alongside 128 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 Clayton, NC ranked on this page?

Lenders are ranked only by the number of home loans they closed in Clayton, 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 Clayton, 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 Clayton. 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.