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Mortgage Lenders and Brokers in Garner, North Carolina

Content reviewed by

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

Garner, North Carolina mortgage lenders include First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust120 Glen Rd, Garner, NC 27529A5.0 ★Texas Ratio: 7.72%, Bank of America NABank of America NA547 Benson Rd, Garner, NC 27529A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1480 Us 70 Hwy W, Garner, NC 27529A+5.0 ★Texas Ratio: 3.68%, Truist BankTruist Bank301 Vandora Springs Rd, Garner, NC 27529A+5.0 ★Texas Ratio: 2.87%, Wells Fargo Bank NAWells Fargo Bank NA1301 5th Ave, Garner, NC 27529A+5.0 ★Texas Ratio: 5.36%, United Community BankUnited Community Bank200 Glen Rd, Garner, NC 27529A+5.0 ★Texas Ratio: 2.97%, North State BankNorth State Bank835 Highway 70 West, Garner, NC 27529A+5.0 ★Texas Ratio: 1.77%, First National Bank of PAFirst National Bank of PA945 Vandora Springs Rd, Garner, NC 27529A+5.0 ★Texas Ratio: 1.62%, PNC Bank N.A.PNC Bank N.A.1027 Highway 70 West Suite 101, Garner, NC 27529A+5.0 ★Texas Ratio: 4.24%, and The Fidelity BankThe Fidelity Bank919 Us Highway 70 W, Garner, NC 27529A+5.0 ★Texas Ratio: 3.02%. 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 Garner, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Garner 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 Garner, North Carolina

Market share is the lender's share of all home loans closed in Garner, 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 Garner 120 Glen Rd, Garner, NC 27529 A5.0 ★Texas Ratio: 7.72%	Conventional, FHA, Jumbo, HELOC	19 +31 HELOCs	1.1%	90.9%	$315,000	View
Bank of America NA 1 office in Garner 547 Benson Rd, Garner, NC 27529 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	15 +16 HELOCs	0.9%	78.9%	$411,000	View
JPMorgan Chase Bank, NA 3 offices in Garner 1480 Us 70 Hwy W, Garner, NC 27529 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	12 +1 HELOCs	0.7%	92.9%	$311,666	View
Truist Bank ★ 1 stars, 1 review 2 offices in Garner 301 Vandora Springs Rd, Garner, NC 27529 A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo, HELOC	9 +15 HELOCs	0.5%	100%	$678,333	View
Wells Fargo Bank NA 1 office in Garner 1301 5th Ave, Garner, NC 27529 A+5.0 ★Texas Ratio: 5.36%	Conventional	9	0.5%	90%	$380,555	View
United Community Bank 1 office in Garner 200 Glen Rd, Garner, NC 27529 A+5.0 ★Texas Ratio: 2.97%	Conventional, VA, HELOC	8 +3 HELOCs	0.5%	88.9%	$250,000	View
North State Bank 1 office in Garner 835 Highway 70 West, Garner, NC 27529 A+5.0 ★Texas Ratio: 1.77%	Conventional, FHA, VA, Jumbo	7	0.4%	100%	$442,142	View
First National Bank of PA 1 office in Garner 945 Vandora Springs Rd, Garner, NC 27529 A+5.0 ★Texas Ratio: 1.62%	Conventional, HELOC	6 +2 HELOCs	0.4%	46.2%	$270,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Garner 1027 Highway 70 West Suite 101, Garner, NC 27529 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	3 +22 HELOCs	0.2%	60%	$375,000	View
The Fidelity Bank 1 office in Garner 919 Us Highway 70 W, Garner, NC 27529 A+5.0 ★Texas Ratio: 3.02%	Conventional, HELOC	3 +4 HELOCs	0.2%	100%	$448,333	View
Fifth Third Bank, National Association 1 office in Garner 1145 Hwy 70 West, Garner, NC 27529 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	1 +9 HELOCs	0.1%	20%	$775,000	View
State Employees' Credit Union 28 OXHOLM CIR, GARNER, NC 27529 A-5.0 ★Texas Ratio: 14.13%	Conventional, Jumbo, HELOC	92 +136 HELOCs	5.5%	77%	$341,195	View
Coastal Federal Credit Union 1060 Timber Dr E, Garner, NC 27529 6913 A+5.0 ★Texas Ratio: 4.34%	Conventional, HELOC	26 +52 HELOCs	1.5%	83.3%	$280,000
US Bank, N.A. 8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85%	Conventional	4	0.2%	40%	$187,500	View
Pinnacle Bank 103 N 2nd St, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 3.04%	Conventional	4	0.2%	100%	$170,000	View
Flagstar Bank NA 121 W Trade St Ste 1150, Charlotte, NC 28202 D3.3 ★Texas Ratio: 35.11%	Conventional, FHA	3	0.2%	100%	$305,000	View
Summit Credit Union 8210 W Market St, Greensboro, NC 27409 A+5.0 ★Texas Ratio: 2.76%	Conventional	3	0.2%	100%	$141,666	View
Regions Bank 1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37%	Conventional, VA, HELOC	2 +2 HELOCs	0.1%	100%	$215,000	View
First Bank 105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$490,000	View
Benchmark Community Bank 103 S Main St, Franklinton, NC 27525 A+5.0 ★Texas Ratio: 1.65%	Conventional	2	0.1%	100%	$250,000	View
Latino Community Credit Union 104 NC 54 Ste KK, Carrboro, NC 27510 A5.0 ★Texas Ratio: 6.08%	Conventional	2	0.1%	66.7%	$305,000	View
Southstate Bank, National Association ★ 5 stars, 1 review 192 E Woodrow Ave, Belmont, NC 28012 A+5.0 ★Texas Ratio: 2.27%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$315,000	View
Blue Ridge Bank 3202 Northline Ave, Greensboro, NC 27408 A5.0 ★Texas Ratio: 8.11%	Conventional	1	0.1%	100%	$225,000	View
Skyla Federal Credit Union 148 Charlotte St, Asheville, NC 28801 1923 A5.0 ★Texas Ratio: 9.56%	Conventional	1	0.1%	100%	$365,000	View
First Federal Bank 110 W Dupree St, Angier, NC 27501 A4.8 ★Texas Ratio: 5.15%	Conventional	1	0.1%	100%	$565,000	View
Truliant Federal Credit Union 1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43%	Conventional	1	0.1%	33.3%	$155,000	View
First Carolina Bank 1405 Bradford View Dr, Cary, NC 27519 A+5.0 ★Texas Ratio: 4.89%	Conventional	1	0.1%	100%	$345,000	View
Southern First Bank 4064 Colony Rd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 3.08%	HELOC	0 +1 HELOCs	0%	n/a		View
Allegacy Federal Credit Union 128 Yadkin Valley Rd, Advance, NC 27006 A+5.0 ★Texas Ratio: 4.25%	HELOC	0 +1 HELOCs	0%	n/a		View
Southern Bank and Trust Company 506 Main St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 1.13%	HELOC	0 +1 HELOCs	0%	n/a		View
TD Bank 335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71%	HELOC	0 +1 HELOCs	0%	n/a		View
Civic FCU 1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00%	HELOC	0 +1 HELOCs	0%	n/a		View
American Security Mortgage Cor	Conventional, FHA	13	0.8%	100%	$353,461
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional	7	0.4%	100%	$330,714	View
Goprime Mortgage, Inc.	Conventional, FHA	6	0.4%	100%	$340,000
RTP Federal Credit Union A+5.0 ★Texas Ratio: 5.20%	Conventional	4	0.2%	100%	$152,500	View
Towne Mtg of the Carolinas,LLC	Conventional	3	0.2%	100%	$381,666
Cardinal Financial Company, Li	Conventional	1	0.1%	100%	$65,000
Corporate Investors Mortgage G	Conventional	1	0.1%	100%	$255,000
Vanderbilt Mortgage and Finance, Inc	Conventional, FHA, VA, USDA	242	14.4%	92.5%	$353,429
Pulte Mortgage LLC	Conventional, FHA, VA	155	9.2%	95.1%	$379,129
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	148 +2 HELOCs	8.8%	90.9%	$431,013
Mattamy Home Funding LLC	Conventional, FHA, VA	108	6.4%	85%	$420,370
Rocket Mortgage	Conventional, FHA, VA	96	5.7%	83.2%	$258,229
loanDepot.com LLC	Conventional, FHA, VA, HELOC	86 +4 HELOCs	5.1%	91.5%	$421,395
Nvr Mortgage Finance, Inc.	Conventional, FHA, VA	55	3.3%	82.1%	$261,181
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo	24	1.4%	100%	$332,500
Pennymac Loan Services LLC	Conventional, FHA, VA	24	1.4%	96.2%	$353,750
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	23 +5 HELOCs	1.4%	82.8%	$262,391
Movement Mortgage, LLC	Conventional, FHA, VA	19	1.1%	90.5%	$366,052
Cmg Mortgage Inc	Conventional, FHA	17	1%	89.5%	$418,529
The Loan Store, Inc	Conventional, FHA	16	0.9%	100%	$320,000
Prosperity Home Mortgage, LLC	Conventional, FHA, VA	16	0.9%	100%	$436,875
Zillow Home Loans, LLC	Conventional, FHA, VA	14	0.8%	93.3%	$308,571
Freedom Mortgage Corporation	Conventional, FHA	13	0.8%	81.8%	$351,153
Newrez LLC	Conventional, FHA, VA	10	0.6%	66.7%	$239,000
Amerisave Mortgage Company	Conventional, FHA, VA	10	0.6%	45.5%	$204,000
Lennar Mortgage, LLC	Conventional, FHA, VA	10	0.6%	83.3%	$469,000
Provident Funding Associates	Conventional	10	0.6%	100%	$375,000
TowneBank	Conventional, FHA, VA	10	0.6%	90.9%	$254,000
Fairway Independent Mort Corp	Conventional, VA	9	0.5%	90%	$415,000
ALCOVA Mortgage, LLC	Conventional, FHA, VA	8	0.5%	100%	$345,000
Mortgage Research Center	VA	8	0.5%	72.7%	$392,500
Guaranteed Rate, Inc.	Conventional, FHA, HELOC	7 +1 HELOCs	0.4%	100%	$297,857
Nfm, Inc	Conventional, FHA	7	0.4%	100%	$326,428
Nationstar Mortgage	Conventional	7	0.4%	87.5%	$113,571
Carrington Mortgage Services LLC	Conventional, FHA, VA	7	0.4%	58.3%	$322,142
Equity Resources Inc	Conventional, FHA, VA	6	0.4%	85.7%	$413,333
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	6	0.4%	100%	$380,000
Guidance Residential, LLC	Conventional	6	0.4%	85.7%	$423,333
Union Home Mortgage Corp.	Conventional	6	0.4%	87.5%	$363,333
Atlantic Bay Mortgage Group	Conventional, FHA, VA	6	0.4%	100%	$255,000
New American Funding, LLC.	Conventional	6	0.4%	75%	$226,666
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	5	0.3%	100%	$445,000	View
Guild Mortgage Company	Conventional, FHA, VA	5	0.3%	100%	$411,000
21St Mortgage	Conventional	5	0.3%	23.8%	$57,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	5	0.3%	100%	$179,000	View
Primary Residential Mortgage, INC.	Conventional, FHA	4	0.2%	100%	$195,000
Bayshore Mortgage Funding	Conventional, FHA	4	0.2%	100%	$215,000
Sun West Mortgage Company, Inc	Conventional, FHA, VA	4	0.2%	100%	$400,000
M/I Financial. LLC	Conventional, FHA	4	0.2%	100%	$432,500
V.I.P. Mortgage, Inc.	Conventional	4	0.2%	100%	$385,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	4	0.2%	100%	$267,500	View
Lower, LLC	Conventional, FHA, VA	4	0.2%	80%	$362,500
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	4	0.2%	100%	$407,500	View
Lakeview Loan Servicing, LLC	Conventional, FHA	3	0.2%	38.5%	$321,666
AmeriHome Mortgage Company, LLC	Conventional, FHA	3	0.2%	75%	$275,000
General Mortgage Capital Corporation	Conventional	3	0.2%	100%	$325,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	3	0.2%	100%	$428,333	View
First Home Mortgage A+5.0 ★Texas Ratio: 0.00%	Conventional	3	0.2%	100%	$291,666	View
AML Funding LLC dba Absolute Mortgage & Lending	Conventional, FHA	3	0.2%	100%	$308,333
United Premier Funding LLC	Conventional	3	0.2%	100%	$245,000
Capital Center LLC	Conventional, VA	3	0.2%	75%	$271,666
T2 Financial LLC	Conventional	3	0.2%	100%	$265,000
Integrity Home Mortgage Corporation	Conventional, FHA, VA	3	0.2%	100%	$311,666
Milend, Inc	Conventional, FHA	3	0.2%	75%	$181,666
Stockton Mortgage Corporation A+5.0 ★Texas Ratio: 0.21%	Conventional, FHA	3	0.2%	100%	$301,666	View
Better Mortgage Corporation	Conventional, FHA	3	0.2%	75%	$351,666
Mutual of Omaha Mortgage	Conventional	3	0.2%	80%	$341,666
University Federal Credit Union A+5.0 ★Texas Ratio: 3.82%	Conventional	3	0.2%	100%	$468,333	View
Top Flite Financial, Inc.	FHA	3	0.2%	100%	$301,666
Village Capital & Investment	FHA, VA	3	0.2%	60%	$315,000
Spring Eq, LLC	Conventional, HELOC	2 +1 HELOCs	0.1%	28.6%	$230,000
Originpoint, LLC	Conventional	2	0.1%	66.7%	$315,000
American Financial Resources LLC	Conventional, FHA	2	0.1%	100%	$305,000
Sage Home Loans Corporation	Conventional	2	0.1%	100%	$465,000
Equity Prime Mortgage LLC	FHA, VA	2	0.1%	66.7%	$190,000
PHH Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$335,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.1%	100%	$305,000	View
City Lending Inc.	Conventional, FHA	2	0.1%	100%	$165,000
AmWest Funding Corp	Conventional	2	0.1%	66.7%	$510,000
Sfmc, LP	Conventional	2	0.1%	100%	$450,000
Republic State Mortgage Company	Conventional	2	0.1%	100%	$225,000
Homeowners Financial Group, LLC	Conventional, FHA	2	0.1%	100%	$185,000
First Heritage Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$310,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	2	0.1%	50%	$425,000	View
Sierra Pacific Mortgage Co. Inc	Conventional	2	0.1%	100%	$460,000
Pike Creek Mortgage Services, Inc.	Conventional	2	0.1%	100%	$625,000
Jams-01 Inc dba Home Savings & Trust Mortgage	Conventional	2	0.1%	100%	$265,000
Genway Home Mortgage, Inc.	Conventional, FHA	2	0.1%	100%	$155,000
Veritas Funding, LLC	FHA	2	0.1%	100%	$305,000
Nexera Holding LLC	Conventional	2	0.1%	100%	$350,000
Reliance First Capital, LLC	Conventional, FHA	2	0.1%	100%	$320,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	2	0.1%	100%	$385,000	View
Mason-McDuffie Mortgage Corporation	Conventional	2	0.1%	100%	$240,000
Plaza Home Mortgage, Inc	Conventional	2	0.1%	40%	$315,000
Goodleap, LLC	Conventional, HELOC	1 +4 HELOCs	0.1%	33.3%	$355,000
Arc Home LLC	Conventional	1	0.1%	100%	$305,000
EMM Loans LLC	Conventional	1	0.1%	100%	$395,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$545,000	View
Royal United Mortgage LLC	Conventional	1	0.1%	50%	$195,000
Atlantic Coast Mortgage, LLC	Conventional	1	0.1%	100%	$275,000
Success Lending, LLC	Conventional	1	0.1%	50%	$445,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$305,000
Nbkc Bank	VA	1	0.1%	100%	$495,000
Acrisure Mortgage, LLC	VA	1	0.1%	100%	$235,000
Triad Financial Services, Inc.	Conventional	1	0.1%	50%	$45,000
Langley Federal Credit Union A5.0 ★Texas Ratio: 10.20%	Conventional	1	0.1%	100%	$75,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	VA	1	0.1%	100%	$555,000	View
AdvantageFirst Lending Inc	Conventional	1	0.1%	100%	$295,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$495,000	View
Renasant Bank A+5.0 ★Texas Ratio: 4.72%	Conventional	1	0.1%	100%	$225,000	View
Bay-Valley Mortgage Group	FHA	1	0.1%	100%	$285,000
Mortgage Assurance Inc	Conventional	1	0.1%	100%	$205,000
American Liberty Mortgage Inco	FHA	1	0.1%	100%	$335,000
Success Mortgage Partners, Inc	Conventional	1	0.1%	100%	$265,000
Ahl Funding	FHA	1	0.1%	100%	$525,000
Discover Bank	Conventional	1	0.1%	10%	$95,000
Royal Pacific Funding	Conventional	1	0.1%	100%	$535,000
Intercap Lending Inc	Conventional	1	0.1%	100%	$435,000
Developer's Mortgage Company	Conventional	1	0.1%	100%	$335,000
Vision Lending Services, LLC A+5.0 ★Texas Ratio: 0.01%	Conventional	1	0.1%	100%	$525,000	View
Credit Human Federal Credit Un	Conventional	1	0.1%	75%	$55,000
Click n' Close, Inc.	FHA	1	0.1%	100%	$475,000
American Federal Mortgage Corporation	Conventional	1	0.1%	100%	$75,000
Bay Equity LLC	Conventional	1	0.1%	100%	$265,000
Kwik Mortgage Corporation	Conventional	1	0.1%	100%	$285,000
First Colony Mortgage Corporat	Conventional	1	0.1%	100%	$315,000
American Heritage Lending, LLC	Conventional	1	0.1%	100%	$425,000
Highlands Residential Mortgage, Ltd.	FHA	1	0.1%	100%	$525,000
Elements Financial Federal Cre	Conventional	1	0.1%	100%	$245,000
Calcon Mutual Mortgage LLC	FHA	1	0.1%	100%	$365,000
Stg Mortgage Inc	Conventional	1	0.1%	100%	$635,000
New Day Financial, LLC.	VA	1	0.1%	25%	$475,000
Resource Financial Services, Inc.	Conventional	1	0.1%	100%	$275,000
Ony Glo, Inc.	Conventional	1	0.1%	100%	$305,000
Churchill Mortgage Corporation	Conventional	1	0.1%	100%	$245,000
Southern Trust Mortgage, LLC A4.7 ★Texas Ratio: 0.83%	Conventional	1	0.1%	100%	$315,000	View
Planet Home Lending, LLC	Conventional	1	0.1%	50%	$55,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$75,000	View
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$315,000	View
Nations Lending Corporation	FHA	1	0.1%	100%	$535,000
Mortgage Equity Partners LLC	Conventional	1	0.1%	100%	$345,000
American Pacific Mortgage Corporation	FHA	1	0.1%	100%	$305,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0.1%	100%	$55,000
Empeople Credit Union A+5.0 ★Texas Ratio: 5.75%	Conventional	1	0.1%	100%	$335,000
Member First Mortgage, LLC	Conventional	1	0.1%	100%	$295,000
Acopia, LLC	Conventional	1	0.1%	100%	$425,000
Mission Loans, LLC	FHA	1	0.1%	100%	$215,000
Towne Mortgage Company	Conventional	1	0.1%	100%	$365,000
Pentagon Federal Credit Union	Conventional	1	0.1%	25%	$305,000
Uif Corporation	Conventional	1	0.1%	100%	$245,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.1%	100%	$385,000	View
Digital Federal Credit Union	Conventional	1	0.1%	100%	$535,000
Mortgage Solutions of Colorado	FHA	1	0.1%	100%	$335,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$355,000
Nationwide Mortgage Bankers, Inc.	FHA	1	0.1%	100%	$305,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional	1	0.1%	100%	$345,000	View
Sunflower Bank, N.A. A5.0 ★Texas Ratio: 10.77%	Conventional	1	0.1%	100%	$385,000	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0.1%	100%	$605,000	View
Paramount Residential Mortgage	FHA	1	0.1%	100%	$275,000
Loan Simple, Inc.	FHA	1	0.1%	50%	$275,000
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$295,000
Figure Lending LLC	HELOC	0 +6 HELOCs	0%	n/a
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +6 HELOCs	0%	n/a		View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +6 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
Kind Lending, LLC	HELOC	0 +2 HELOCs	0%	0%
HomeBridge Financial Services, Inc	HELOC	0 +2 HELOCs	0%	0%
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	HELOC	0 +1 HELOCs	0%	n/a		View
Hsbc Bank USA, NA A+5.0 ★Texas Ratio: 4.86%	HELOC	0 +1 HELOCs	0%	n/a		View
First Savings Bank	HELOC	0 +1 HELOCs	0%	n/a
First Bank and Trust Company A+5.0 ★Texas Ratio: 3.79%	HELOC	0 +1 HELOCs	0%	n/a		View
Sharonview Federal CU	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.

Garner 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 Garner, North Carolina

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

Types of Mortgage Lenders in Garner, NC

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

Mortgage companies and brokers 134 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 51 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 20 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 70 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 39 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 5 lenders. Loans above the conforming limit for higher priced homes Local lenders based in NC 22 lenders headquartered in North Carolina, the closest thing to a mortgage lender near you

Who Lends in Garner, NC

Independent mortgage companies closed 80.5 percent of home loans in Garner, North Carolina in 2025, banks 9.8 percent and credit unions 9.6 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 19 loans.

80.5%

Mortgage companies

9.8%

Banks

9.6%

Credit unions

14%

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 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 Garner, NC

Who is the largest mortgage lender in Garner, NC?

By home loans closed in 2025, First Ciitizens Bank and Trust was the largest mortgage lender in Garner, North Carolina with 19 loans, about 1.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Garner, North Carolina, Pulte Mortgage LLC approved the highest share of completed applications in 2025 at 95.1 percent, against a 85.6 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 Garner, NC mortgage lenders offer FHA, VA and USDA loans?

70 lenders closed FHA loans in Garner, North Carolina in 2025, led by Vanderbilt Mortgage and Finance, Inc with 47. 39 lenders closed VA loans, led by United Wholesale Mortgage, and 1 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 Garner, NC lender list?

Yes. 51 banks and 20 credit unions closed home loans in Garner, North Carolina in 2025, alongside 134 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 Garner, NC ranked on this page?

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