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Mortgage Lenders and Brokers in Durham, North Carolina

Content reviewed by

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

Durham, North Carolina mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA725 9th St, Durham, NC 27705A+5.0 ★Texas Ratio: 3.68%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust100 Trent Drive Suite 250, Durham, NC 27710A5.0 ★Texas Ratio: 7.72%, Truist BankTruist Bank3405 Hillsborough Rd Ste A1, Durham, NC 27705A+5.0 ★Texas Ratio: 2.87%, Wells Fargo Bank NAWells Fargo Bank NA2000 W Main St, Durham, NC 27705A+5.0 ★Texas Ratio: 5.36%, First National Bank of PAFirst National Bank of PA115 E Carver St, Durham, NC 27704A+5.0 ★Texas Ratio: 1.62%, Bank of America NABank of America NA898 Park Offices Drive, Durham, NC 27703A+5.0 ★Texas Ratio: 4.14%, Pinnacle BankPinnacle Bank3807 N Duke St, Durham, NC 27704A+5.0 ★Texas Ratio: 3.04%, Fifth Third Bank, National AssociationFifth Third Bank, National Association4200 University Dr, Durham, NC 27707A+5.0 ★Texas Ratio: 3.22%, Latino Community Credit UnionLatino Community Credit Union300 W Morgan St, Durham, NC 27701A5.0 ★Texas Ratio: 6.08%, and PNC Bank N.A.PNC Bank N.A.3732 N Roxboro St, Durham, NC 27704A+5.0 ★Texas Ratio: 4.24%. 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 Durham, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Durham 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 Durham, North Carolina

Market share is the lender's share of all home loans closed in Durham, 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
JPMorgan Chase Bank, NA 2 offices in Durham 725 9th St, Durham, NC 27705 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, Jumbo, HELOC	136 +5 HELOCs	2.4%	95.2%	$408,235	View
First Ciitizens Bank and Trust 4 offices in Durham 100 Trent Drive Suite 250, Durham, NC 27710 A5.0 ★Texas Ratio: 7.72%	Conventional, FHA, Jumbo, HELOC	123 +121 HELOCs	2.2%	87%	$463,699	View
Truist Bank ★ 1 stars, 1 review 8 offices in Durham 3405 Hillsborough Rd Ste A1, Durham, NC 27705 A+5.0 ★Texas Ratio: 2.87%	Conventional, FHA, VA, Jumbo, HELOC	87 +131 HELOCs	1.5%	81.5%	$376,034	View
Wells Fargo Bank NA 8 offices in Durham 2000 W Main St, Durham, NC 27705 A+5.0 ★Texas Ratio: 5.36%	Conventional, VA, Jumbo	74	1.3%	85.1%	$356,216	View
First National Bank of PA 4 offices in Durham 115 E Carver St, Durham, NC 27704 A+5.0 ★Texas Ratio: 1.62%	Conventional, Jumbo, HELOC	71 +54 HELOCs	1.3%	86.6%	$453,309	View
Bank of America NA 4 offices in Durham 898 Park Offices Drive, Durham, NC 27703 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA, Jumbo, HELOC	52 +89 HELOCs	0.9%	83.9%	$377,500	View
Pinnacle Bank 2 offices in Durham 3807 N Duke St, Durham, NC 27704 A+5.0 ★Texas Ratio: 3.04%	Conventional, FHA, Jumbo, HELOC	38 +20 HELOCs	0.7%	90.5%	$281,315	View
Fifth Third Bank, National Association 2 offices in Durham 4200 University Dr, Durham, NC 27707 A+5.0 ★Texas Ratio: 3.22%	Conventional, FHA, VA, Jumbo, HELOC	37 +27 HELOCs	0.7%	88.4%	$439,864	View
Latino Community Credit Union 300 W Morgan St, Durham, NC 27701 A5.0 ★Texas Ratio: 6.08%	Conventional	20	0.4%	91.3%	$266,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 3 offices in Durham 3732 N Roxboro St, Durham, NC 27704 A+5.0 ★Texas Ratio: 4.24%	Conventional, FHA, HELOC	17 +55 HELOCs	0.3%	77.3%	$390,882	View
First Horizon Bank ★ 5 stars, 1 review 6 offices in Durham 4235 University Dr, Durham, NC 27707 A+5.0 ★Texas Ratio: 5.76%	Conventional, Jumbo, HELOC	17 +36 HELOCs	0.3%	81%	$396,764	View
Duke University Federal Credit Union 2200 W Main St Ste L100, Durham, NC 27705 4600 A5.0 ★Texas Ratio: 6.76%	Conventional, HELOC	14 +22 HELOCs	0.2%	82.4%	$80,714	View
Self Help Credit Union 301 W Main St, Durham, NC 27701 3215 A+5.0 ★Texas Ratio: 2.49%	Conventional	7	0.1%	100%	$282,142	View
The Fidelity Bank 1 office in Durham 3016 Shannon Rd, Durham, NC 27707 A+5.0 ★Texas Ratio: 3.02%	Conventional, HELOC	1 +16 HELOCs	0%	50%	$415,000	View
United Bank Va 1 office in Durham 4215 University Dr, Durham, NC 27707 A+5.0 ★Texas Ratio: 2.15%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$455,000	View
Vision Financial Federal Credit Union 214 Pacific Ave, Durham, NC 27704 A+5.0 ★Texas Ratio: 0.01%	Conventional	1	0%	33.3%	$35,000	View
RTP Federal Credit Union A+5.0 ★Texas Ratio: 5.20%	Conventional	13	0.2%	87.5%	$61,153	View
State Employees' Credit Union 3810 BEN FRANKLIN BLVD, DURHAM, NC 27704 A-5.0 ★Texas Ratio: 14.13%	Conventional, Jumbo, HELOC	371 +436 HELOCs	6.5%	79.4%	$347,237	View
Coastal Federal Credit Union Southpoint Crossing, Durham, NC 27713 A+5.0 ★Texas Ratio: 4.34%	Conventional, Jumbo, HELOC	105 +186 HELOCs	1.9%	86%	$273,000
Ameris Bank ★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82%	Conventional, FHA, VA	35	0.6%	100%	$382,714	View
US Bank, N.A. 8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, HELOC	17 +7 HELOCs	0.3%	63%	$333,235	View
North State Bank 835 Highway 70 West, Garner, NC 27529 A+5.0 ★Texas Ratio: 1.77%	Conventional, FHA	17	0.3%	94.4%	$243,235	View
United Community Bank 732 Main St, Andrews, NC 28901 A+5.0 ★Texas Ratio: 2.97%	Conventional, VA, Jumbo, HELOC	13 +7 HELOCs	0.2%	87.5%	$434,230	View
Regions Bank 1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37%	Conventional, Jumbo, HELOC	13 +3 HELOCs	0.2%	78.9%	$318,846	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, HELOC	9 +3 HELOCs	0.2%	100%	$426,111	View
Huntington National Bank 101 S Tryon St, Charlotte, NC 28280 A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo	5	0.1%	71.4%	$699,000	View
First Carolina Bank 1405 Bradford View Dr, Cary, NC 27519 A+5.0 ★Texas Ratio: 4.89%	Conventional, Jumbo	5	0.1%	85.7%	$941,000	View
Select Bank 3158 S Church Street, Burlington, NC 27215 A5.0 ★Texas Ratio: 11.24%	Conventional	4	0.1%	100%	$155,000	View
Blue Ridge Bank 3202 Northline Ave, Greensboro, NC 27408 A5.0 ★Texas Ratio: 8.11%	Conventional, VA	4	0.1%	100%	$355,000	View
Flagstar Bank NA 110 N Corcoran St, Durham, NC 27701 D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, HELOC	3 +1 HELOCs	0.1%	75%	$225,000	View
Truliant Federal Credit Union 1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43%	Conventional, FHA, HELOC	2 +10 HELOCs	0%	66.7%	$235,000	View
Allegacy Federal Credit Union 128 Yadkin Valley Rd, Advance, NC 27006 A+5.0 ★Texas Ratio: 4.25%	Conventional, HELOC	2 +4 HELOCs	0%	100%	$510,000	View
Southern Bank and Trust Company 506 Main St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 1.13%	Conventional, HELOC	2 +4 HELOCs	0%	66.7%	$570,000	View
TD Bank 335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	2 +4 HELOCs	0%	66.7%	$480,000	View
First Bank 105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94%	Conventional, HELOC	2 +2 HELOCs	0%	100%	$185,000	View
Providence Bank 300 Us Highway 17 N, Holly Ridge, NC 28445 A+5.0 ★Texas Ratio: 0.81%	Conventional	2	0%	100%	$350,000	View
The Park National Bank 1127 Hendersonville Rd, Asheville, NC 28803 A5.0 ★Texas Ratio: 6.62%	Conventional	2	0%	100%	$185,000	View
Civic FCU 502 Rigsbee Ave, Durham, NC 27701 F1.0 ★Texas Ratio: 75.00%	Conventional, HELOC	1 +10 HELOCs	0%	100%	$165,000	View
Benchmark Community Bank 103 S Main St, Franklinton, NC 27525 A+5.0 ★Texas Ratio: 1.65%	Conventional	1	0%	100%	$405,000	View
Uwharrie Bank 800 Highway 24 27 Bypass, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 0.72%	Conventional	1	0%	100%	$325,000	View
Ks Bank, Inc. 6374 Deans St, Bailey, NC 27807 A+5.0 ★Texas Ratio: 1.78%	Conventional	1	0%	100%	$1,435,000	View
Capital Bank, N.A. 890 Hendersonville Rd, Asheville, NC 28803 A-5.0 ★Texas Ratio: 15.49%	Conventional	1	0%	100%	$395,000	View
Corporate Investors Mortgage G	Conventional, FHA, VA, Jumbo	200	3.5%	99%	$440,500
American Security Mortgage Cor	Conventional, FHA, VA, Jumbo	118	2.1%	100%	$417,118
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional, FHA, HELOC	19 +3 HELOCs	0.3%	95%	$376,578	View
Towne Mtg of the Carolinas,LLC	Conventional, FHA	19	0.3%	100%	$305,526
Goprime Mortgage, Inc.	Conventional, FHA, Jumbo	18	0.3%	100%	$410,555
Roxboro Savings Bank A+5.0 ★Texas Ratio: 0.46%	Conventional	16	0.3%	94.1%	$365,000	View
Cardinal Financial Company, Li	Conventional, FHA, Jumbo	4	0.1%	100%	$500,000
Deephaven Mortgage LLC	Conventional, Jumbo	1	0%	50%	$405,000
Piedmont Advantage Credit Unio	Conventional	1	0%	100%	$85,000
Ally Bank A5.0 ★Texas Ratio: 8.00%	Conventional	1	0%	100%	$105,000	View
Wolfe Financial Inc	Conventional	1	0%	100%	$285,000
Rocket Mortgage	Conventional, FHA, VA, Jumbo, HELOC	467 +1 HELOCs	8.2%	85.8%	$287,269
Lennar Mortgage, LLC	Conventional, FHA, VA	381	6.7%	91.1%	$326,496
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	268 +6 HELOCs	4.7%	85.8%	$387,462
Pulte Mortgage LLC	Conventional, FHA, VA	225	4%	90.4%	$361,711
Movement Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	151 +9 HELOCs	2.7%	97.7%	$383,741
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	95 +27 HELOCs	1.7%	84.2%	$309,421
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	89	1.6%	87.5%	$432,640
Prosperity Home Mortgage, LLC	Conventional, FHA, VA, Jumbo	75	1.3%	92.7%	$404,866
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	72 +2 HELOCs	1.3%	98.6%	$377,361
Freedom Mortgage Corporation	Conventional, FHA, VA	70	1.2%	86.6%	$368,857
Velocio Mortgage, L.L.C.	Conventional, FHA, VA	70	1.2%	98.6%	$292,142
Vanderbilt Mortgage and Finance, Inc	Conventional, FHA, VA	70	1.2%	70.6%	$413,571
Zillow Home Loans, LLC	Conventional, FHA, VA	69	1.2%	100%	$336,884
Nvr Mortgage Finance, Inc.	Conventional, FHA, VA	65	1.1%	92.9%	$323,307
Nationstar Mortgage	Conventional, FHA, VA	58	1%	89.6%	$178,965
Kbhs Home Loans, LLC	Conventional, FHA, VA	57	1%	91.9%	$292,719
Union Home Mortgage Corp.	Conventional, FHA, VA, Jumbo, HELOC	50 +5 HELOCs	0.9%	94.3%	$366,000
Fairway Independent Mort Corp	Conventional, FHA, VA	48	0.8%	96.1%	$301,666
First Heritage Mortgage, LLC	Conventional, FHA, VA, Jumbo	45	0.8%	100%	$359,222
Tri Pointe Connect, LLC	Conventional, FHA, VA	44	0.8%	96%	$332,272
Newrez LLC	Conventional, FHA, VA	42	0.7%	55.8%	$296,904
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	40 +19 HELOCs	0.7%	67.8%	$343,250
New American Funding, LLC.	Conventional, FHA, VA, HELOC	40 +1 HELOCs	0.7%	74.5%	$279,750
Mortgage Research Center	Conventional, VA, Jumbo	39	0.7%	67.8%	$387,564
Nfm, Inc	Conventional, FHA, VA, Jumbo	38	0.7%	100%	$384,473
Provident Funding Associates	Conventional	38	0.7%	95%	$426,052
General Mortgage Capital Corporation	Conventional	34	0.6%	100%	$332,941
The Loan Store, Inc	Conventional, FHA, HELOC	33 +3 HELOCs	0.6%	100%	$324,393
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA, Jumbo	33	0.6%	84.6%	$255,000	View
Atlantic Bay Mortgage Group	Conventional, FHA, VA	26	0.5%	100%	$302,307
TowneBank	Conventional, FHA, HELOC	24 +2 HELOCs	0.4%	100%	$351,250
Amerisave Mortgage Company	Conventional, FHA, HELOC	23 +2 HELOCs	0.4%	26.4%	$137,608
Mutual of Omaha Mortgage	Conventional, FHA, VA	21	0.4%	73.3%	$329,761
ALCOVA Mortgage, LLC	Conventional, FHA	20	0.4%	100%	$386,500
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	20	0.4%	83.3%	$280,000	View
Cmg Mortgage Inc	Conventional, FHA, Jumbo, HELOC	19 +4 HELOCs	0.3%	100%	$433,421
Guild Mortgage Company	Conventional, FHA	19	0.3%	100%	$351,315
DHI Mortgage Company, LTD.	Conventional, FHA, VA	19	0.3%	82.6%	$311,842
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	18	0.3%	66.7%	$296,111	View
Guaranteed Rate, Inc.	Conventional, FHA, VA, HELOC	17 +2 HELOCs	0.3%	100%	$417,941
Vision Lending Services, LLC A+5.0 ★Texas Ratio: 0.01%	Conventional, VA	17	0.3%	100%	$472,647	View
Spring Eq, LLC	Conventional, HELOC	16 +13 HELOCs	0.3%	53.3%	$74,375
Originpoint, LLC	Conventional, FHA, VA, HELOC	16 +3 HELOCs	0.3%	100%	$408,750
Go Mortgage, LLC	Conventional, VA	16	0.3%	100%	$519,375
Jams-01 Inc dba Home Savings & Trust Mortgage	Conventional, FHA, VA	16	0.3%	100%	$312,500
Nbkc Bank	Conventional, VA	15	0.3%	93.8%	$345,666
Princeton Mortgage Corporation	Conventional	15	0.3%	100%	$378,333
Reliance First Capital, LLC	Conventional, FHA, VA	15	0.3%	93.8%	$249,666
Better Mortgage Corporation	Conventional, FHA, HELOC	14 +2 HELOCs	0.2%	68.2%	$289,285
Nationwide Mortgage Bankers, Inc.	Conventional, FHA	14	0.2%	88.9%	$364,285
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	14	0.2%	87.5%	$373,571	View
Sage Home Loans Corporation	Conventional	13	0.2%	100%	$399,615
Toll Brothers Mortgage Company	Conventional, FHA	13	0.2%	82.4%	$335,769
Goodleap, LLC	Conventional, FHA, HELOC	12 +3 HELOCs	0.2%	81.2%	$175,833
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	12 +1 HELOCs	0.2%	92.3%	$756,666	View
Equity Resources Inc	Conventional, VA	12	0.2%	85.7%	$336,666
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA, VA	12	0.2%	100%	$320,000
Lakeview Loan Servicing, LLC	Conventional, FHA	12	0.2%	48.7%	$173,333
AdvantageFirst Lending Inc	Conventional, FHA, VA	12	0.2%	66.7%	$320,833
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional, FHA	12	0.2%	92.3%	$278,333	View
T2 Financial LLC	Conventional	12	0.2%	100%	$394,166
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	12	0.2%	85.7%	$316,666	View
Carrington Mortgage Services LLC	Conventional, FHA, VA	12	0.2%	39.5%	$209,166
Primelending	Conventional, FHA	10	0.2%	90.9%	$479,000
Primary Residential Mortgage, INC.	Conventional, FHA, Jumbo	10	0.2%	100%	$404,000
Howard Hanna Financial Services, Inc	Conventional, FHA	10	0.2%	100%	$370,000
Filo Mortgage, LLC	Conventional, FHA, VA	10	0.2%	100%	$449,000
First Home Mortgage A+5.0 ★Texas Ratio: 0.00%	Conventional	10	0.2%	100%	$393,000	View
Resicentral LLC	Conventional, FHA, VA, Jumbo	9	0.2%	100%	$465,000
AML Funding LLC dba Absolute Mortgage & Lending	Conventional, FHA	9	0.2%	90%	$262,777
Lower, LLC	Conventional, FHA	9	0.2%	100%	$418,333
American Financial Resources LLC	Conventional, VA	8	0.1%	100%	$333,750
Bay Equity LLC	Conventional	8	0.1%	100%	$241,250
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, FHA, Jumbo	8	0.1%	100%	$493,750	View
University Federal Credit Union A+5.0 ★Texas Ratio: 3.82%	Conventional	8	0.1%	100%	$322,500	View
EMM Loans LLC	Conventional, FHA, VA	7	0.1%	100%	$419,285
Equity Prime Mortgage LLC	FHA, VA	7	0.1%	77.8%	$369,285
C&F Mortgage Corporation A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	7	0.1%	100%	$350,714	View
Ahl Funding	Conventional, FHA	7	0.1%	100%	$270,714
Discover Bank	Conventional	7	0.1%	24.1%	$113,571
Republic State Mortgage Company	Conventional, FHA	7	0.1%	100%	$377,857
First Equity Mortgage Inc	Conventional	7	0.1%	100%	$470,714
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	7	0.1%	100%	$682,142	View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	6 +16 HELOCs	0.1%	77.8%	$168,333	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	6	0.1%	85.7%	$620,000	View
Kind Lending, LLC	Conventional, FHA, VA	6	0.1%	53.8%	$380,000
AmeriHome Mortgage Company, LLC	Conventional, FHA, VA	6	0.1%	100%	$340,000
Homestead Funding Corp.	Conventional	6	0.1%	100%	$341,666
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional, FHA	6	0.1%	100%	$318,333	View
ClearPath Lending	VA	6	0.1%	100%	$428,333
Resource Financial Services, Inc.	Conventional	6	0.1%	100%	$223,333
Integrity Home Mortgage Corporation	Conventional, FHA	6	0.1%	100%	$330,000
Milend, Inc	Conventional, FHA	6	0.1%	75%	$260,000
Mason-McDuffie Mortgage Corporation	Conventional	6	0.1%	100%	$420,000
Tomo Mortgage LLC	Conventional	6	0.1%	75%	$313,333
Village Capital & Investment	Conventional, VA	6	0.1%	70%	$268,333
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 3.36%	Conventional	5	0.1%	71.4%	$447,000	View
Guidance Residential, LLC	Conventional	5	0.1%	83.3%	$315,000
PHH Mortgage Corporation	Conventional, FHA	5	0.1%	100%	$519,000
New Day Financial, LLC.	VA	5	0.1%	33.3%	$263,000
Encompass Lending Group, L.P.	Conventional, FHA	5	0.1%	100%	$299,000
Pike Creek Mortgage Services, Inc.	Conventional	5	0.1%	100%	$447,000
Citadel Servicing Corporation	Conventional	5	0.1%	100%	$299,000
Paramount Residential Mortgage	Conventional, FHA, Jumbo	5	0.1%	100%	$395,000
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	Conventional, VA, Jumbo, HELOC	4 +2 HELOCs	0.1%	100%	$980,000	View
Proponent FCU A5.0 ★Texas Ratio: 6.30%	Conventional, HELOC	4 +1 HELOCs	0.1%	100%	$52,500
Empeople Credit Union A+5.0 ★Texas Ratio: 5.75%	Conventional, HELOC	4 +1 HELOCs	0.1%	100%	$257,500
Bank of England A5.0 ★Texas Ratio: 6.45%	Conventional, FHA	4	0.1%	100%	$287,500	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	4	0.1%	100%	$330,000	View
Tidewater Mortgage Services, Inc	Conventional, VA	4	0.1%	100%	$337,500
Success Lending, LLC	Conventional, VA	4	0.1%	100%	$380,000
All Credit Considered Mortgage, Inc.	Conventional	4	0.1%	100%	$280,000
Fidelity Direct Mortgage, LLC	Conventional, VA	4	0.1%	83.3%	$457,500
Sun West Mortgage Company, Inc	FHA, VA	4	0.1%	88.9%	$337,500
Intercoastal Mortgage, LLC	Conventional, VA	4	0.1%	100%	$500,000
Ivy Mortgage, Inc.	Conventional	4	0.1%	100%	$425,000
Calcon Mutual Mortgage LLC	Conventional, FHA	4	0.1%	100%	$360,000
Capital Center LLC	Conventional	4	0.1%	80%	$357,500
Churchill Mortgage Corporation	Conventional, FHA	4	0.1%	75%	$240,000
Southern Trust Mortgage, LLC A4.7 ★Texas Ratio: 0.83%	Conventional, VA	4	0.1%	100%	$370,000	View
V.I.P. Mortgage, Inc.	Conventional, FHA	4	0.1%	80%	$392,500
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	4	0.1%	100%	$787,500	View
Loan Simple, Inc.	FHA	4	0.1%	100%	$322,500
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	3 +18 HELOCs	0.1%	100%	$481,666	View
Pentagon Federal Credit Union	Conventional, HELOC	3 +10 HELOCs	0.1%	60%	$555,000
Valon Mortgage A+5.0 ★Texas Ratio: 3.19%	Conventional, FHA, HELOC	3 +5 HELOCs	0.1%	100%	$381,666	View
Loansteady LLC	Conventional, FHA	3	0.1%	100%	$431,666
City Lending Inc.	Conventional	3	0.1%	60%	$251,666
Bayshore Mortgage Funding	Conventional	3	0.1%	100%	$325,000
Developer's Mortgage Company	Conventional	3	0.1%	100%	$188,333
Flexpoint, Inc.	Conventional	3	0.1%	100%	$388,333
Click n' Close, Inc.	FHA	3	0.1%	100%	$408,333
Schumacher Mortgage LLC	Conventional, VA	3	0.1%	100%	$611,666
Strong Home Mortgage, LLC	Conventional	3	0.1%	100%	$505,000
First Colony Mortgage Corporat	Conventional, Jumbo	3	0.1%	100%	$775,000
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	3	0.1%	100%	$235,000	View
Planet Home Lending, LLC	Conventional, FHA, VA	3	0.1%	100%	$251,666
BoxCar Mortgage, LLC	Conventional, FHA	3	0.1%	100%	$468,333
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, VA	3	0.1%	100%	$468,333	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	3	0.1%	100%	$361,666	View
Towne Mortgage Company	Conventional	3	0.1%	100%	$438,333
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	3	0.1%	100%	$258,333	View
Keystone Funding, Inc	Conventional, FHA, VA	3	0.1%	100%	$415,000
Mortgage Investors Group	Conventional, FHA	3	0.1%	75%	$405,000
Top Flite Financial, Inc.	FHA	3	0.1%	100%	$258,333
American Neighborhood Mortgage Acceptance Company	Conventional, FHA, VA	3	0.1%	100%	$375,000
Langley Federal Credit Union A5.0 ★Texas Ratio: 10.20%	Conventional, HELOC	2 +7 HELOCs	0%	100%	$335,000
HomeBridge Financial Services, Inc	VA, HELOC	2 +2 HELOCs	0%	100%	$405,000
Corning Credit Union	Conventional, HELOC	2 +1 HELOCs	0%	100%	$530,000
Genisys Credit Union	Conventional	2	0%	100%	$585,000
Cornerstone First Mortgage, LLC	Conventional, VA	2	0%	66.7%	$325,000
American Airlines Federal Cred	Conventional	2	0%	66.7%	$280,000
Bny Mellon, N.A. A+5.0 ★Texas Ratio: 0.37%	Conventional	2	0%	100%	$535,000	View
Royal United Mortgage LLC	Conventional	2	0%	100%	$180,000
Atlantic Coast Mortgage, LLC	Conventional	2	0%	100%	$425,000
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	FHA, VA	2	0%	100%	$415,000	View
Everett Financial, Inc.	Conventional, FHA	2	0%	66.7%	$135,000
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	Conventional	2	0%	100%	$315,000	View
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0%	100%	$560,000	View
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional, FHA	2	0%	100%	$390,000	View
Home Mortgage Alliance Corp (Hmac)	Conventional	2	0%	100%	$395,000
American Financial Network, Inc.	Conventional, VA	2	0%	66.7%	$565,000
Renasant Bank A+5.0 ★Texas Ratio: 4.72%	Conventional	2	0%	66.7%	$425,000	View
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	2	0%	100%	$210,000	View
Nqm Funding, LLC	Conventional	2	0%	100%	$360,000
Googain, Inc.	Conventional	2	0%	100%	$335,000
New Wave Lending Group Inc	Conventional	2	0%	100%	$385,000
VanDyk Mortgage Corporation	Conventional	2	0%	100%	$585,000
American Federal Mortgage Corporation	Conventional, FHA	2	0%	100%	$270,000
Kwik Mortgage Corporation	Conventional	2	0%	100%	$285,000
American Heritage Lending, LLC	Conventional	2	0%	100%	$380,000
Highlands Residential Mortgage, Ltd.	Conventional	2	0%	100%	$290,000
Homeowners Financial Group, LLC	Conventional	2	0%	100%	$535,000
Agfirst Farm Credit Bank	Conventional	2	0%	100%	$395,000
American Pacific Mortgage Corporation	Conventional, Jumbo	2	0%	100%	$610,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	2	0%	100%	$260,000	View
Victorian Finance, LLC	Conventional, FHA	2	0%	100%	$315,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	2	0%	66.7%	$365,000	View
Genway Home Mortgage, Inc.	FHA	2	0%	100%	$425,000
Logan Finance Corporation	Conventional	2	0%	100%	$485,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	2	0%	100%	$740,000	View
Sunflower Bank, N.A. A5.0 ★Texas Ratio: 10.77%	Conventional	2	0%	100%	$335,000	View
United Nations Federal CU	Conventional	2	0%	100%	$290,000
Angel Oak Mortgage Solutions LLC	Conventional	2	0%	100%	$350,000
Nexera Holding LLC	Conventional	2	0%	66.7%	$555,000
Texana Bank	Conventional, VA	2	0%	100%	$295,000
Plaza Home Mortgage, Inc	Conventional	2	0%	50%	$325,000
Champions Funding, LLC	Conventional	2	0%	50%	$505,000
Fourleaf Federal Credit Union	Conventional, HELOC	1 +5 HELOCs	0%	100%	$155,000
Liberty Federal Credit Union	Conventional, HELOC	1 +2 HELOCs	0%	33.3%	$725,000
Elements Financial Federal Cre	Conventional, HELOC	1 +1 HELOCs	0%	100%	$215,000
First Technology Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	100%	$35,000
Countybank B+4.3 ★Texas Ratio: 5.52%	Conventional	1	0%	100%	$565,000	View
Ross Mortgage Company	Conventional	1	0%	100%	$305,000
Residential Wholesale Mortgage	Conventional	1	0%	100%	$245,000
Fundloans Capital	Conventional	1	0%	100%	$245,000
SWBC Mortgage Corporation	Conventional	1	0%	100%	$265,000
Contour Mortgage Corporation	Conventional	1	0%	100%	$175,000
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	FHA	1	0%	100%	$555,000	View
MortgageOne, Inc	Conventional	1	0%	100%	$415,000
Envoy Mortgage, Ltd	FHA	1	0%	100%	$505,000
Watermark Capital, Inc.	Conventional	1	0%	100%	$385,000
AAA Capital Investment, Inc	VA	1	0%	100%	$455,000
Allied Mortgage Group, Inc	FHA	1	0%	100%	$415,000
Norwich Commercial Group Inc	Conventional	1	0%	100%	$595,000
Keybank National Association A+5.0 ★Texas Ratio: 4.81%	Conventional	1	0%	100%	$325,000	View
Washington Trust Bank A+5.0 ★Texas Ratio: 4.63%	Conventional, Jumbo	1	0%	100%	$905,000	View
Dart Bank	Conventional	1	0%	100%	$475,000
Dollar Bank, FSB A+5.0 ★Texas Ratio: 5.29%	Conventional	1	0%	100%	$725,000	View
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0%	100%	$365,000	View
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0%	33.3%	$635,000	View
Chartway FCU	Conventional	1	0%	100%	$315,000
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	FHA	1	0%	100%	$575,000	View
Valley West Corporation	FHA	1	0%	100%	$345,000
HomeXpress Mortgage Corp.	Conventional	1	0%	50%	$205,000
Thompson Kane & Company, Inc	Conventional	1	0%	100%	$235,000
Success Mortgage Partners, Inc	Conventional	1	0%	100%	$425,000
First Alliance Home Mortgage, LLC	FHA	1	0%	100%	$195,000
Truity Federal Credit Union ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo	1	0%	100%	$1,025,000	View
Intercap Lending Inc	Conventional, Jumbo	1	0%	100%	$945,000
Credit Union Mortgage Associat	Conventional	1	0%	50%	$405,000
JMJ Financial Group Inc.	Conventional	1	0%	100%	$475,000
Mortgage Financial Group Inc	Conventional	1	0%	100%	$275,000
First Savings Mortgage Corporation	Conventional	1	0%	100%	$305,000
Bank Fund Staff Federal Credit	Conventional	1	0%	100%	$205,000
American Financing Corporation	FHA	1	0%	25%	$215,000
LoanFlight Lending, LLC.	Conventional	1	0%	100%	$275,000
MC Federal Credit Union	Conventional	1	0%	100%	$455,000
SIRVA Mortgage, Inc.	Conventional	1	0%	100%	$345,000
Mid-Continent Funding, Inc.	VA	1	0%	100%	$515,000
Chevron Federal Credit Union	Conventional	1	0%	100%	$275,000
Delta Community Credit Union	Conventional	1	0%	100%	$735,000
Stg Mortgage Inc	Conventional	1	0%	25%	$255,000
American Internet Mortgage, Inc.	Conventional	1	0%	100%	$225,000
Shoreham Bank	FHA	1	0%	50%	$25,000
Axos Bank A+5.0 ★Texas Ratio: 3.94%	Conventional	1	0%	100%	$545,000	View
Beeline Loans, Inc.	Conventional	1	0%	33.3%	$235,000
Hsbc Bank USA, NA A+5.0 ★Texas Ratio: 4.86%	Conventional	1	0%	100%	$745,000	View
UNMB Home Loans Inc	FHA	1	0%	100%	$385,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0%	100%	$95,000	View
Intelliloan, Inc.	FHA	1	0%	100%	$555,000
Embrace Home Loans, Inc.	Conventional	1	0%	100%	$305,000
Nations Lending Corporation	FHA	1	0%	100%	$175,000
Franklin Loan Corporation	FHA	1	0%	100%	$285,000
Mortgage Equity Partners LLC	Conventional	1	0%	100%	$385,000
Direct Mortgage Loans, LLC	Conventional	1	0%	100%	$165,000
Lendsure Mortgage Corp.	Conventional	1	0%	100%	$215,000

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.

Durham 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 Durham, North Carolina

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

Types of Mortgage Lenders in Durham, NC

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

Mortgage companies and brokers 185 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 82 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 33 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 118 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 79 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 48 lenders. Loans above the conforming limit for higher priced homes Local lenders based in NC 30 lenders headquartered in North Carolina, the closest thing to a mortgage lender near you

Who Lends in Durham, NC

Independent mortgage companies closed 68 percent of home loans in Durham, North Carolina in 2025, banks 20 percent and credit unions 12.1 percent. Corporate Investors Mortgage G was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Latino Community Credit Union the largest credit union. Among lenders headquartered in North Carolina, First Ciitizens Bank and Trust led with 123 loans.

68%

Mortgage companies

20%

Banks

12.1%

Credit unions

11%

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 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 High Point 204 lenders

Frequently Asked Questions About Mortgage Lenders in Durham, NC

Who is the largest mortgage lender in Durham, NC?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Durham, North Carolina with 136 loans, about 2.4 percent of the market. The largest lender headquartered in North Carolina was First Ciitizens Bank and Trust with 123 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Durham, North Carolina, American Security Mortgage Cor approved the highest share of completed applications in 2025 at 100 percent, against a 86.4 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 Durham, NC mortgage lenders offer FHA, VA and USDA loans?

118 lenders closed FHA loans in Durham, North Carolina in 2025, led by Velocio Mortgage, L.L.C. with 52. 79 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 Durham, NC lender list?

Yes. 82 banks and 33 credit unions closed home loans in Durham, North Carolina in 2025, alongside 185 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 Durham, NC ranked on this page?

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