Mortgage Lenders and Brokers in Henderson, North Carolina
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Henderson, North Carolina mortgage lenders include First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust1205 Dabney Dr, Henderson, NC 27536A5.0 ★Texas Ratio: 7.72%, Truist BankTruist Bank632 Dabney Dr, Henderson, NC 27536A+5.0 ★Texas Ratio: 2.87%, Benchmark Community BankBenchmark Community Bank1750 Graham Ave, Henderson, NC 27536A+5.0 ★Texas Ratio: 1.65%, PNC Bank N.A.PNC Bank N.A.407 S Chestnut St, Henderson, NC 27536A+5.0 ★Texas Ratio: 4.24%, Carter Bank and TrustCarter Bank and Trust300 Dabney Dr Ext, Henderson, NC 27536A5.0 ★Texas Ratio: 7.55%, State Employees' Credit UnionState Employees' Credit Union1795 GRAHAM AVE, HENDERSON, NC 27536A-5.0 ★Texas Ratio: 14.13%, Bank of America NABank of America NA5496 Apex Peakway, Apex, NC 27502A+5.0 ★Texas Ratio: 4.14%, Coastal Federal Credit UnionCoastal Federal Credit Union236 Dabney Dr, Henderson, NC 27536A+5.0 ★Texas Ratio: 4.34%, The Fidelity BankThe Fidelity Bank804 E Williams St, Apex, NC 27502A+5.0 ★Texas Ratio: 3.02%, and North State BankNorth State Bank835 Highway 70 West, Garner, NC 27529A+5.0 ★Texas Ratio: 1.77%. 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 Henderson, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Henderson 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 Henderson, North Carolina
Market share is the lender's share of all home loans closed in Henderson, 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 |
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1 office in Henderson 1205 Dabney Dr, Henderson, NC 27536 A5.0 ★Texas Ratio: 7.72% |
Conventional, FHA, USDA, HELOC | 5 +7 HELOCs |
2.4% | 83.3% | $209,000 | View |
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★ 1 stars, 1 review 1 office in Henderson 632 Dabney Dr, Henderson, NC 27536 A+5.0 ★Texas Ratio: 2.87% |
Conventional, USDA, HELOC | 2 +9 HELOCs |
0.9% | 100% | $175,000 | View |
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1 office in Henderson 1750 Graham Ave, Henderson, NC 27536 A+5.0 ★Texas Ratio: 1.65% |
Conventional | 2 | 0.9% | 50% | $65,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Henderson 407 S Chestnut St, Henderson, NC 27536 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +6 HELOCs |
0.5% | 33.3% | $75,000 | View |
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1 office in Henderson 300 Dabney Dr Ext, Henderson, NC 27536 A5.0 ★Texas Ratio: 7.55% |
Conventional | 1 | 0.5% | 100% | $165,000 | View |
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1795 GRAHAM AVE, HENDERSON, NC 27536 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 25 +25 HELOCs |
11.8% | 60.5% | $178,200 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 3 +1 HELOCs |
1.4% | 100% | $221,666 | View |
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236 Dabney Dr, Henderson, NC 27536 A+5.0 ★Texas Ratio: 4.34% |
Conventional, HELOC | 2 +5 HELOCs |
0.9% | 40% | $85,000 | |
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804 E Williams St, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.02% |
VA | 1 | 0.5% | 100% | $415,000 | View |
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835 Highway 70 West, Garner, NC 27529 A+5.0 ★Texas Ratio: 1.77% |
FHA | 1 | 0.5% | 100% | $275,000 | View |
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5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.5% | 100% | $65,000 | View |
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1911 Hendersonville Rd, Asheville, NC 28803 A+5.0 ★Texas Ratio: 2.49% |
Conventional | 1 | 0.5% | 33.3% | $225,000 | View |
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104 NC 54 Ste KK, Carrboro, NC 27510 A5.0 ★Texas Ratio: 6.08% |
Conventional | 1 | 0.5% | 100% | $235,000 | View |
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128 Yadkin Valley Rd, Advance, NC 27006 A+5.0 ★Texas Ratio: 4.25% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Goprime Mortgage, Inc.
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Conventional, FHA | 2 | 0.9% | 100% | $205,000 | |
American Security Mortgage Cor
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FHA | 1 | 0.5% | 100% | $275,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.5% | 100% | $275,000 | |
Rocket Mortgage
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Conventional, FHA | 15 | 7.1% | 51.6% | $157,666 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 14 | 6.6% | 100% | $205,714 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 10 | 4.7% | 71.4% | $221,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 9 | 4.3% | 90% | $199,444 | |
loanDepot.com LLC
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Conventional, FHA, VA | 7 | 3.3% | 87.5% | $165,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 6 | 2.8% | 100% | $155,000 | |
Mortgage Research Center
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VA | 5 | 2.4% | 71.4% | $265,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, FHA, VA | 5 | 2.4% | 100% | $187,000 | View |
American Financial Resources LLC
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Conventional, FHA | 4 | 1.9% | 100% | $257,500 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 1.9% | 66.7% | $260,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 4 | 1.9% | 100% | $245,000 | |
Guild Mortgage Company
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Conventional, FHA, USDA | 4 | 1.9% | 100% | $237,500 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional, FHA | 4 | 1.9% | 66.7% | $122,500 | View |
New Day Financial, LLC.
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VA | 4 | 1.9% | 100% | $205,000 | |
TowneBank
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Conventional, FHA | 4 | 1.9% | 100% | $82,500 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 4 | 1.9% | 100% | $137,500 | View |
Lower, LLC
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Conventional, FHA, VA | 4 | 1.9% | 80% | $222,500 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +2 HELOCs |
1.4% | 60% | $231,666 | |
Newrez LLC
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Conventional, FHA | 3 | 1.4% | 50% | $245,000 | |
Union Home Mortgage Corp.
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Conventional, FHA, USDA | 3 | 1.4% | 60% | $201,666 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 0.9% | 66.7% | $115,000 | |
Ahl Funding
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Conventional, FHA | 2 | 0.9% | 100% | $220,000 | |
Victorian Finance, LLC
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FHA | 2 | 0.9% | 100% | $230,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 0.9% | 100% | $135,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 2 | 0.9% | 100% | $220,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 0.9% | 50% | $215,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 0.9% | 100% | $260,000 | |
Carrington Mortgage Services LLC
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Conventional | 2 | 0.9% | 50% | $95,000 | |
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A5.0 ★Texas Ratio: 6.45% |
FHA | 1 | 0.5% | 100% | $265,000 | View |
Equity Resources Inc
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FHA | 1 | 0.5% | 100% | $265,000 | |
Tidewater Mortgage Services, Inc
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Conventional | 1 | 0.5% | 100% | $315,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.5% | 100% | $165,000 | |
Goodleap, LLC
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FHA | 1 | 0.5% | 100% | $205,000 | |
Gold Star Mortgage Financial Group, Corporation
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FHA | 1 | 0.5% | 100% | $275,000 | |
SWBC Mortgage Corporation
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FHA | 1 | 0.5% | 100% | $355,000 | |
Kind Lending, LLC
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VA | 1 | 0.5% | 100% | $265,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 0.5% | 100% | $195,000 | |
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A5.0 ★Texas Ratio: 13.21% |
FHA | 1 | 0.5% | 50% | $295,000 | View |
Sfmc, LP
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FHA | 1 | 0.5% | 100% | $215,000 | |
Discover Bank
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Conventional | 1 | 0.5% | 20% | $105,000 | |
Intercoastal Mortgage, LLC
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FHA | 1 | 0.5% | 100% | $285,000 | |
American Financing Corporation
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Conventional | 1 | 0.5% | 100% | $55,000 | |
Atlantic Bay Mortgage Group
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Conventional | 1 | 0.5% | 100% | $125,000 | |
Encompass Lending Group, L.P.
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VA | 1 | 0.5% | 100% | $245,000 | |
T2 Financial LLC
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Conventional | 1 | 0.5% | 100% | $385,000 | |
Milend, Inc
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VA | 1 | 0.5% | 100% | $315,000 | |
Nationstar Mortgage
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FHA | 1 | 0.5% | 100% | $185,000 | |
Uif Corporation
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Conventional | 1 | 0.5% | 100% | $245,000 | |
Mortgage Solutions of Colorado
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FHA | 1 | 0.5% | 100% | $215,000 | |
Geo-Corp, Inc.
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FHA | 1 | 0.5% | 100% | $415,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.5% | 100% | $455,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.5% | 100% | $245,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.5% | 5% | $105,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.5% | 100% | $65,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.5% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 2.82% |
FHA | 1 | 0.5% | 100% | $165,000 | View |
Southwest Funding LP
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FHA | 1 | 0.5% | 100% | $235,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Henderson Mortgage Rate Trends
Daily average mortgage rates for North Carolina compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Henderson, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Henderson? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Henderson in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Henderson, NC
Use these to narrow the list above. Each category shows how many Henderson, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Henderson, NC
Independent mortgage companies closed 66.4 percent of home loans in Henderson, North Carolina in 2025, banks 18.5 percent and credit unions 15.2 percent. Goprime Mortgage, Inc. 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 5 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
Frequently Asked Questions About Mortgage Lenders in Henderson, NC
By home loans closed in 2025, First Ciitizens Bank and Trust was the largest mortgage lender in Henderson, North Carolina with 5 loans, about 2.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
39 lenders closed FHA loans in Henderson, North Carolina in 2025, led by CrossCountry Mortgage, LLC with 8. 14 lenders closed VA loans, led by Mortgage Research Center, and 4 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.
Yes. 19 banks and 7 credit unions closed home loans in Henderson, North Carolina in 2025, alongside 51 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 Henderson, 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 Henderson, 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 Henderson. 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.
