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Mortgage Lenders and Brokers in Holly Springs, North Carolina

Content reviewed by

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

Holly Springs, North Carolina mortgage lenders include First National Bank of PAFirst National Bank of PA700 Holly Springs Rd, Holly Springs, NC 27540A+5.0 ★Texas Ratio: 1.62%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1007 Beaver Creek Commons Dr, Apex, NC 27502A+5.0 ★Texas Ratio: 3.68%, Truist BankTruist Bank701 Village Walk Dr, Holly Springs, NC 27540A+5.0 ★Texas Ratio: 2.87%, Bank of America NABank of America NA195 Grand Hill Pl, Holly Springs, NC 27540A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA5209 Sunset Lake Rd, Holly Springs, NC 27540A+5.0 ★Texas Ratio: 5.36%, PNC Bank N.A.PNC Bank N.A.5208 Sunset Lake Rd, Holly Springs, NC 27540A+5.0 ★Texas Ratio: 4.24%, The Fidelity BankThe Fidelity Bank7000 Gb Alford Hwy, Holly Springs, NC 27540A+5.0 ★Texas Ratio: 3.02%, State Employees' Credit UnionState Employees' Credit Union100 GREEN OAKS PKWY, HOLLY SPRINGS, NC 27540A-5.0 ★Texas Ratio: 14.13%, Coastal Federal Credit UnionCoastal Federal Credit Union700 Village Walk Dr, Holly Springs, NC 27540A+5.0 ★Texas Ratio: 4.34%, and First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust351 N 1st St, Albemarle, NC 28001A5.0 ★Texas Ratio: 7.72%. 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 Holly Springs, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Holly Springs 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 Holly Springs, North Carolina

Market share is the lender's share of all home loans closed in Holly Springs, 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 National Bank of PA 1 office in Holly Springs 700 Holly Springs Rd, Holly Springs, NC 27540 A+5.0 ★Texas Ratio: 1.62%	Conventional, Jumbo, HELOC	19 +23 HELOCs	1.4%	76%	$284,473	View
JPMorgan Chase Bank, NA 1 office in Holly Springs 1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	16 +1 HELOCs	1.2%	100%	$518,750	View
Truist Bank ★ 1 stars, 1 review 1 office in Holly Springs 701 Village Walk Dr, Holly Springs, NC 27540 A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo, HELOC	11 +29 HELOCs	0.8%	84.6%	$449,545	View
Bank of America NA 1 office in Holly Springs 195 Grand Hill Pl, Holly Springs, NC 27540 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	10 +28 HELOCs	0.7%	100%	$364,000	View
Wells Fargo Bank NA 1 office in Holly Springs 5209 Sunset Lake Rd, Holly Springs, NC 27540 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, Jumbo	8	0.6%	80%	$505,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Holly Springs 5208 Sunset Lake Rd, Holly Springs, NC 27540 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	4 +14 HELOCs	0.3%	100%	$550,000	View
The Fidelity Bank 1 office in Holly Springs 7000 Gb Alford Hwy, Holly Springs, NC 27540 A+5.0 ★Texas Ratio: 3.02%	Conventional, HELOC	2 +12 HELOCs	0.1%	100%	$405,000	View
State Employees' Credit Union 100 GREEN OAKS PKWY, HOLLY SPRINGS, NC 27540 A-5.0 ★Texas Ratio: 14.13%	Conventional, Jumbo, HELOC	56 +73 HELOCs	4.1%	86.4%	$480,178	View
Coastal Federal Credit Union 700 Village Walk Dr, Holly Springs, NC 27540 A+5.0 ★Texas Ratio: 4.34%	Conventional, HELOC	30 +79 HELOCs	2.2%	86.8%	$326,333
First Ciitizens Bank and Trust 351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo, HELOC	18 +39 HELOCs	1.3%	95%	$489,444	View
North State Bank 835 Highway 70 West, Garner, NC 27529 A+5.0 ★Texas Ratio: 1.77%	Conventional	7	0.5%	100%	$447,857	View
Fifth Third Bank, National Association 1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	6 +8 HELOCs	0.4%	87.5%	$540,000	View
Ameris Bank ★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82%	Conventional, VA	2	0.1%	100%	$340,000	View
US Bank, N.A. 8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	1 +2 HELOCs	0.1%	33.3%	$65,000	View
First Bank 105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$415,000	View
Flagstar Bank NA 121 W Trade St Ste 1150, Charlotte, NC 28202 D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.1%	100%	$655,000	View
Regions Bank 1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37%	Conventional	1	0.1%	100%	$505,000	View
First Flight Federal Credit Union 400 Village Walk Dr, Holly Springs, NC 27540 A+5.0 ★Texas Ratio: 3.28%	Conventional	1	0.1%	100%	$335,000	View
Carolinas Telco FCU 2821 Crisman St, Charlotte, NC 28208 A+5.0 ★Texas Ratio: 3.27%	Conventional	1	0.1%	100%	$565,000	View
First Carolina Bank 1405 Bradford View Dr, Cary, NC 27519 A+5.0 ★Texas Ratio: 4.89%	Conventional, Jumbo	1	0.1%	100%	$825,000	View
Summit Credit Union 8210 W Market St, Greensboro, NC 27409 A+5.0 ★Texas Ratio: 2.76%	Conventional	1	0.1%	100%	$85,000	View
United Community Bank 732 Main St, Andrews, NC 28901 A+5.0 ★Texas Ratio: 2.97%	HELOC	0 +4 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 +3 HELOCs	0%	n/a		View
First Horizon Bank ★ 5 stars, 1 review 5361 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.76%	HELOC	0 +2 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 +2 HELOCs	0%	n/a		View
TD Bank 335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71%	HELOC	0 +2 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
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
American Security Mortgage Cor	Conventional, VA, Jumbo	12	0.9%	100%	$465,833
Corporate Investors Mortgage G	Conventional	8	0.6%	100%	$423,750
Goprime Mortgage, Inc.	Conventional, VA	7	0.5%	87.5%	$465,000
Cardinal Financial Company, Li	Conventional	3	0.2%	100%	$341,666
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$650,000	View
Towne Mtg of the Carolinas,LLC	Conventional	2	0.1%	100%	$605,000
Deephaven Mortgage LLC	Conventional	1	0.1%	100%	$75,000
Lennar Mortgage, LLC	Conventional, FHA, VA	184	13.6%	94.8%	$389,945
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	142 +6 HELOCs	10.5%	92.3%	$539,084
Rocket Mortgage	Conventional, FHA, VA, Jumbo	100	7.4%	92.1%	$306,500
Mattamy Home Funding LLC	Conventional	81	6%	95.3%	$567,962
Taylor Morrison Home Funding, Inc.	Conventional, VA	60	4.4%	93.8%	$616,166
Movement Mortgage, LLC	Conventional, VA, Jumbo, HELOC	32 +2 HELOCs	2.4%	100%	$480,000
Langley Federal Credit Union A5.0 ★Texas Ratio: 10.20%	Conventional, HELOC	26 +3 HELOCs	1.9%	92.9%	$572,307
Pennymac Loan Services LLC	Conventional, FHA, VA	24	1.8%	96.3%	$485,000
CrossCountry Mortgage, LLC	Conventional, FHA	22	1.6%	100%	$623,636
Toll Brothers Mortgage Company	Conventional, VA	20	1.5%	100%	$445,000
Prosperity Home Mortgage, LLC	Conventional, VA	17	1.3%	100%	$462,647
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	16 +7 HELOCs	1.2%	76.2%	$266,250
Guaranteed Rate, Inc.	Conventional, FHA, VA	14	1%	100%	$490,714
Newrez LLC	Conventional, VA, Jumbo	13	1%	65%	$521,923
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, VA	13	1%	81.2%	$293,461	View
Gold Star Mortgage Financial Group, Corporation	Conventional, Jumbo	12	0.9%	100%	$468,333
The Loan Store, Inc	Conventional, HELOC	11 +1 HELOCs	0.8%	100%	$300,454
Nationstar Mortgage	Conventional, VA	11	0.8%	100%	$265,909
Fairway Independent Mort Corp	Conventional, VA	11	0.8%	91.7%	$448,636
Cmg Mortgage Inc	Conventional, FHA, VA, HELOC	10 +1 HELOCs	0.7%	90.9%	$567,000
Zillow Home Loans, LLC	Conventional	10	0.7%	91.7%	$368,000
Equity Resources Inc	Conventional	9	0.7%	100%	$373,888
Freedom Mortgage Corporation	Conventional, FHA, VA	9	0.7%	91.7%	$358,333
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	8 +4 HELOCs	0.6%	80%	$210,000	View
General Mortgage Capital Corporation	Conventional	8	0.6%	100%	$356,250
Discover Bank	Conventional	8	0.6%	57.1%	$71,250
T2 Financial LLC	Conventional	7	0.5%	100%	$485,000
Howard Hanna Financial Services, Inc	Conventional, VA	6	0.4%	85.7%	$393,333
Amerisave Mortgage Company	Conventional, FHA	6	0.4%	75%	$121,666
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional, VA	6	0.4%	100%	$526,666	View
Provident Funding Associates	Conventional	6	0.4%	100%	$601,666
Primelending	Conventional	5	0.4%	100%	$325,000
Republic State Mortgage Company	Conventional	5	0.4%	100%	$507,000
Union Home Mortgage Corp.	Conventional	5	0.4%	100%	$395,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	5	0.4%	71.4%	$463,000	View
Mortgage Research Center	Conventional, FHA, VA	5	0.4%	50%	$451,000
Paramount Residential Mortgage	Conventional	5	0.4%	100%	$653,000
TowneBank	Conventional, HELOC	4 +2 HELOCs	0.3%	100%	$432,500
Spring Eq, LLC	Conventional, HELOC	4 +2 HELOCs	0.3%	36.4%	$125,000
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	Conventional	4	0.3%	100%	$477,500	View
ALCOVA Mortgage, LLC	Conventional	4	0.3%	100%	$377,500
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional	4	0.3%	100%	$335,000	View
First Heritage Mortgage, LLC	Conventional	4	0.3%	80%	$445,000
New American Funding, LLC.	Conventional, VA	4	0.3%	100%	$495,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	4	0.3%	100%	$605,000	View
Better Mortgage Corporation	Conventional, FHA, HELOC	3 +2 HELOCs	0.2%	60%	$595,000
loanDepot.com LLC	Conventional, HELOC	3 +1 HELOCs	0.2%	100%	$348,333
Originpoint, LLC	Conventional, FHA, VA, Jumbo	3	0.2%	100%	$671,666
American Financial Resources LLC	Conventional	3	0.2%	100%	$378,333
Sage Home Loans Corporation	Conventional	3	0.2%	100%	$578,333
Guidance Residential, LLC	Conventional	3	0.2%	100%	$405,000
Homestead Funding Corp.	Conventional	3	0.2%	100%	$451,666
First Home Mortgage A+5.0 ★Texas Ratio: 0.00%	Conventional, Jumbo	3	0.2%	100%	$868,333	View
AmWest Funding Corp	Conventional	3	0.2%	100%	$655,000
Sfmc, LP	Conventional	3	0.2%	100%	$548,333
Credit Union Mortgage Associat	Conventional	3	0.2%	100%	$471,666
Bay Equity LLC	Conventional, FHA	3	0.2%	100%	$345,000
Atlantic Bay Mortgage Group	Conventional, FHA	3	0.2%	100%	$471,666
Churchill Mortgage Corporation	Conventional	3	0.2%	100%	$441,666
Mutual of Omaha Mortgage	Conventional	3	0.2%	75%	$455,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	3	0.2%	100%	$388,333	View
Pentagon Federal Credit Union	Conventional, VA, Jumbo, HELOC	2 +3 HELOCs	0.1%	100%	$555,000
Empeople Credit Union A+5.0 ★Texas Ratio: 5.75%	Conventional, HELOC	2 +2 HELOCs	0.1%	100%	$510,000
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 3.36%	Conventional	2	0.1%	100%	$355,000	View
Lakeview Loan Servicing, LLC	Conventional, VA	2	0.1%	62.5%	$310,000
Nbkc Bank	Conventional	2	0.1%	100%	$495,000
Bank of Hope A+5.0 ★Texas Ratio: 4.07%	Conventional	2	0.1%	100%	$455,000	View
PHH Mortgage Corporation	Conventional	2	0.1%	66.7%	$445,000
City Lending Inc.	Conventional	2	0.1%	66.7%	$350,000
Success Mortgage Partners, Inc	Conventional	2	0.1%	100%	$380,000
Das Acquisition Company, LLC	Conventional	2	0.1%	100%	$565,000
Homeowners Financial Group, LLC	Conventional	2	0.1%	100%	$425,000
Nfm, Inc	Conventional, VA	2	0.1%	100%	$525,000
Capital Center LLC	Conventional	2	0.1%	100%	$380,000
Mortgage Equity Partners LLC	Conventional	2	0.1%	100%	$480,000
Integrity Home Mortgage Corporation	Conventional	2	0.1%	100%	$555,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	2	0.1%	100%	$640,000	View
Summit Funding.Inc	Conventional	2	0.1%	100%	$185,000
WSFS bank A+5.0 ★Texas Ratio: 3.10%	Conventional	2	0.1%	100%	$580,000	View
Lower, LLC	Conventional	2	0.1%	100%	$515,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	2	0.1%	100%	$425,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	2	0.1%	50%	$380,000	View
Ark-La-Tex Financial Services LLC	Conventional	2	0.1%	100%	$640,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	2	0.1%	100%	$790,000	View
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	1 +7 HELOCs	0.1%	100%	$735,000	View
Quorum Federal Credit Union	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$105,000
Liberty Federal Credit Union	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$955,000
Fourleaf Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$585,000
Northwest Federal Credit Union A+5.0 ★Texas Ratio: 1.69%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$15,000	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$675,000	View
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	VA	1	0.1%	100%	$605,000	View
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$175,000	View
Primary Residential Mortgage, INC.	Conventional	1	0.1%	100%	$715,000
Success Lending, LLC	Conventional	1	0.1%	100%	$475,000
Equity Prime Mortgage LLC	FHA	1	0.1%	50%	$145,000
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	VA	1	0.1%	100%	$715,000	View
Loanunited.Com, LLC	VA, Jumbo	1	0.1%	100%	$925,000
Tower Federal Credit Union	Conventional, Jumbo	1	0.1%	100%	$1,045,000
Dollar Bank, FSB A+5.0 ★Texas Ratio: 5.29%	Conventional, Jumbo	1	0.1%	100%	$865,000	View
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.1%	100%	$615,000	View
Resicentral LLC	Conventional	1	0.1%	100%	$735,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$365,000	View
Guild Mortgage Company	Conventional	1	0.1%	100%	$695,000
AdvantageFirst Lending Inc	FHA	1	0.1%	100%	$475,000
Valley West Corporation	Conventional	1	0.1%	100%	$495,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$705,000	View
Michigan Mutual, Inc	Conventional	1	0.1%	100%	$565,000
MortgageCountry	Conventional	1	0.1%	100%	$485,000
Apple Federal Credit Union	Conventional, Jumbo	1	0.1%	100%	$1,175,000
First Alliance Home Mortgage, LLC	Conventional	1	0.1%	100%	$335,000
Absolute Home Mortgage	FHA	1	0.1%	100%	$335,000
Intercap Lending Inc	Conventional	1	0.1%	100%	$295,000
Developer's Mortgage Company	Conventional	1	0.1%	100%	$595,000
Schumacher Mortgage LLC	FHA	1	0.1%	100%	$495,000
American Financing Corporation	Conventional	1	0.1%	100%	$105,000
SIRVA Mortgage, Inc.	Conventional	1	0.1%	100%	$395,000
Strong Home Mortgage, LLC	Conventional	1	0.1%	100%	$595,000
Kwik Mortgage Corporation	Conventional	1	0.1%	100%	$415,000
Highlands Residential Mortgage, Ltd.	Conventional	1	0.1%	100%	$695,000
Fairwinds Credit Union	Conventional	1	0.1%	100%	$515,000
Germantown Trust & Savings Bank	Conventional	1	0.1%	100%	$725,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$55,000
Altra Federal Credit Union	Conventional	1	0.1%	100%	$195,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$305,000	View
Harborone Mortgage, LLC	Conventional	1	0.1%	100%	$635,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.1%	100%	$735,000
American Pacific Mortgage Corporation	VA	1	0.1%	100%	$495,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	100%	$635,000	View
Victorian Finance, LLC	Conventional	1	0.1%	100%	$415,000
Digital Federal Credit Union	Conventional	1	0.1%	100%	$405,000
Pike Creek Mortgage Services, Inc.	Conventional	1	0.1%	100%	$365,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	100%	$415,000	View
V.I.P. Mortgage, Inc.	Conventional	1	0.1%	100%	$525,000
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$625,000
Keystone Funding, Inc	FHA	1	0.1%	100%	$315,000
Firstbank A5.0 ★Texas Ratio: 7.51%	Conventional	1	0.1%	100%	$365,000	View
Nations Direct Mortgage, LLC	FHA	1	0.1%	100%	$505,000
Ussfcu	Conventional	1	0.1%	100%	$215,000
Meadowbrook Financial Mortgage Bankers Corp.	Conventional	1	0.1%	100%	$545,000
Certified Federal Credit Union	Conventional	1	0.1%	100%	$425,000
21St Mortgage	Conventional	1	0.1%	33.3%	$75,000
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0.1%	66.7%	$305,000
Reliance First Capital, LLC	Conventional	1	0.1%	100%	$455,000
University Federal Credit Union A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.1%	100%	$255,000	View
Plaza Home Mortgage, Inc	VA	1	0.1%	50%	$505,000
Top Flite Financial, Inc.	FHA	1	0.1%	100%	$535,000
American Neighborhood Mortgage Acceptance Company	VA	1	0.1%	100%	$645,000
Figure Lending LLC	HELOC	0 +5 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +5 HELOCs	0%	n/a		View
Corning Credit Union	HELOC	0 +3 HELOCs	0%	n/a
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage A+5.0 ★Texas Ratio: 3.19%	HELOC	0 +1 HELOCs	0%	n/a		View
HomeBridge Financial Services, Inc	HELOC	0 +1 HELOCs	0%	n/a
Citizens Equity First Credit U	HELOC	0 +1 HELOCs	0%	n/a
MassMutual FCU	HELOC	0 +1 HELOCs	0%	n/a
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	HELOC	0 +1 HELOCs	0%	50%
Gte Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Merchants Bank of Indiana A5.0 ★Texas Ratio: 11.97%	HELOC	0 +1 HELOCs	0%	n/a		View
State Departmenet 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.

Holly Springs 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 Holly Springs, North Carolina

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

Types of Mortgage Lenders in Holly Springs, NC

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

Mortgage companies and brokers 108 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 54 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 32 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 22 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 36 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 24 lenders. Loans above the conforming limit for higher priced homes Local lenders based in NC 20 lenders headquartered in North Carolina, the closest thing to a mortgage lender near you

Who Lends in Holly Springs, NC

Independent mortgage companies closed 73.9 percent of home loans in Holly Springs, North Carolina in 2025, banks 14.7 percent and credit unions 11.4 percent. American Security Mortgage Cor was the largest mortgage company, First National Bank of PA the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, Truist Bank led with 11 loans.

73.9%

Mortgage companies

14.7%

Banks

11.4%

Credit unions

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

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Frequently Asked Questions About Mortgage Lenders in Holly Springs, NC

Who is the largest mortgage lender in Holly Springs, NC?

By home loans closed in 2025, First National Bank of PA was the largest mortgage lender in Holly Springs, North Carolina with 19 loans, about 1.4 percent of the market. The largest lender headquartered in North Carolina was Truist Bank with 11 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Holly Springs, North Carolina, Mattamy Home Funding LLC approved the highest share of completed applications in 2025 at 95.3 percent, against a 91.4 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 Holly Springs, NC mortgage lenders offer FHA, VA and USDA loans?

22 lenders closed FHA loans in Holly Springs, North Carolina in 2025, led by Lennar Mortgage, LLC with 7. 36 lenders closed VA loans, led by Rocket 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 Holly Springs, NC lender list?

Yes. 54 banks and 32 credit unions closed home loans in Holly Springs, North Carolina in 2025, alongside 108 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 Holly Springs, NC ranked on this page?

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