Mortgage Lenders and Brokers in Madison, 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
Madison, North Carolina mortgage lenders include First National Bank of PAFirst National Bank of PA605 Highway St, Madison, NC 27025A+5.0 ★Texas Ratio: 1.62%, Truist BankTruist Bank1109 Highway St, Madison, NC 27025A+5.0 ★Texas Ratio: 2.87%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust109 S Franklin St, Madison, NC 27025A5.0 ★Texas Ratio: 7.72%, State Employees' Credit UnionState Employees' Credit Union654 CHIEF MARTIN ST, MADISON, NC 27025A-5.0 ★Texas Ratio: 14.13%, The Fidelity BankThe Fidelity Bank804 E Williams St, Apex, NC 27502A+5.0 ★Texas Ratio: 3.02%, Allegacy Federal Credit UnionAllegacy Federal Credit Union128 Yadkin Valley Rd, Advance, NC 27006A+5.0 ★Texas Ratio: 4.25%, Truliant Federal Credit UnionTruliant Federal Credit Union1055 E Dixie Dr, Asheboro, NC 27203A5.0 ★Texas Ratio: 6.43%, Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%, Ameris BankAmeris Bank6805 Carnegie Blvd, Charlotte, NC 28211A+5.0 ★Texas Ratio: 1.82%, and First BankFirst Bank105 S Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 1.94%. 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 Madison, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Madison 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 Madison, North Carolina
Market share is the lender's share of all home loans closed in Madison, 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 Madison 605 Highway St, Madison, NC 27025 A+5.0 ★Texas Ratio: 1.62% |
Conventional | 5 | 3.1% | 62.5% | $221,000 | View |
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★ 1 stars, 1 review 1 office in Madison 1109 Highway St, Madison, NC 27025 A+5.0 ★Texas Ratio: 2.87% |
Conventional, VA, HELOC | 3 +3 HELOCs |
1.8% | 100% | $448,333 | View |
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1 office in Madison 109 S Franklin St, Madison, NC 27025 A5.0 ★Texas Ratio: 7.72% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
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654 CHIEF MARTIN ST, MADISON, NC 27025 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 18 +13 HELOCs |
11% | 90.9% | $206,666 | View |
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804 E Williams St, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.02% |
Conventional, HELOC | 4 +3 HELOCs |
2.5% | 100% | $210,000 | View |
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128 Yadkin Valley Rd, Advance, NC 27006 A+5.0 ★Texas Ratio: 4.25% |
Conventional, HELOC | 3 +3 HELOCs |
1.8% | 100% | $175,000 | View |
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1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43% |
Conventional, HELOC | 2 +4 HELOCs |
1.2% | 40% | $110,000 | View |
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5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 1.2% | 100% | $245,000 | View |
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★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82% |
USDA | 2 | 1.2% | 100% | $285,000 | View |
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105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94% |
Conventional, HELOC | 1 +2 HELOCs |
0.6% | 100% | $85,000 | View |
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3202 Northline Ave, Greensboro, NC 27408 A5.0 ★Texas Ratio: 8.11% |
FHA | 1 | 0.6% | 100% | $135,000 | View |
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8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.6% | 50% | $325,000 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.6% | 100% | $225,000 | View |
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500 E Morehead St Ste 150, Charlotte, NC 28202 A5.0 ★Texas Ratio: 7.55% |
Conventional | 1 | 0.6% | 100% | $365,000 | View |
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8210 W Market St, Greensboro, NC 27409 A+5.0 ★Texas Ratio: 2.76% |
Conventional | 1 | 0.6% | 100% | $55,000 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
Wolfe Financial Inc
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Conventional | 2 | 1.2% | 100% | $250,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 22 | 13.5% | 88.5% | $175,909 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA | 8 | 4.9% | 90% | $341,250 | |
Movement Mortgage, LLC
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Conventional, FHA | 8 | 4.9% | 100% | $272,500 | |
ALCOVA Mortgage, LLC
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Conventional, FHA, USDA | 5 | 3.1% | 100% | $199,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 5 | 3.1% | 100% | $339,000 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA | 5 | 3.1% | 100% | $245,000 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 2.5% | 87.5% | $375,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 4 | 2.5% | 100% | $387,500 | |
Highlands Residential Mortgage, Ltd.
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Conventional, FHA, VA, USDA | 4 | 2.5% | 100% | $257,500 | |
Mortgage Research Center
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VA | 3 | 1.8% | 100% | $468,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 3 | 1.8% | 75% | $208,333 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 2 +1 HELOCs |
1.2% | 100% | $195,000 | |
Equity Prime Mortgage LLC
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FHA | 2 | 1.2% | 100% | $255,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 2 | 1.2% | 28.6% | $325,000 | |
Cmg Mortgage Inc
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Conventional, FHA | 2 | 1.2% | 100% | $235,000 | |
Click n' Close, Inc.
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Conventional, FHA | 2 | 1.2% | 100% | $85,000 | |
New American Funding, LLC.
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VA | 2 | 1.2% | 66.7% | $280,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 1.2% | 66.7% | $220,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 1.2% | 18.8% | $180,000 | |
Carrington Mortgage Services LLC
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FHA | 2 | 1.2% | 100% | $360,000 | |
American Neighborhood Mortgage Acceptance Company
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FHA | 2 | 1.2% | 100% | $170,000 | |
Equity Resources Inc
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Conventional | 1 | 0.6% | 100% | $115,000 | |
Premier Mortgage Resources, LLC
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USDA | 1 | 0.6% | 100% | $155,000 | |
American Financial Resources LLC
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FHA | 1 | 0.6% | 100% | $345,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.6% | 100% | $215,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.6% | 100% | $245,000 | |
Newrez LLC
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FHA | 1 | 0.6% | 20% | $235,000 | |
Kind Lending, LLC
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USDA | 1 | 0.6% | 100% | $245,000 | |
Howard Hanna Financial Services, Inc
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Conventional | 1 | 0.6% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.6% | 100% | $305,000 | View |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 1 | 0.6% | 100% | $245,000 | View |
Guild Mortgage Company
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VA | 1 | 0.6% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.6% | 100% | $245,000 | View |
Credit Union Mortgage Associat
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Conventional | 1 | 0.6% | 100% | $265,000 | |
Intercoastal Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $215,000 | |
Eastman Credit Union
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Conventional | 1 | 0.6% | 100% | $115,000 | |
Mid-Continent Funding, Inc.
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VA | 1 | 0.6% | 100% | $265,000 | |
New Day Financial, LLC.
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VA | 1 | 0.6% | 50% | $255,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.6% | 50% | $465,000 | View |
Provident Funding Associates
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Conventional | 1 | 0.6% | 100% | $315,000 | |
Agfirst Farm Credit Bank
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Conventional | 1 | 0.6% | 100% | $505,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.6% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 5.75% |
Conventional | 1 | 0.6% | 100% | $105,000 | |
Towne Mortgage Company
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Conventional | 1 | 0.6% | 100% | $415,000 | |
Summit Funding.Inc
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FHA | 1 | 0.6% | 100% | $235,000 | |
Lower, LLC
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Conventional | 1 | 0.6% | 100% | $275,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Union Savings Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Madison 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 Madison, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Madison? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Madison in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Madison, NC
Use these to narrow the list above. Each category shows how many Madison, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Madison, NC
Independent mortgage companies closed 66.3 percent of home loans in Madison, North Carolina in 2025, banks 15.3 percent and credit unions 18.4 percent. Wolfe Financial Inc 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 3 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 Madison, NC
By home loans closed in 2025, First National Bank of PA was the largest mortgage lender in Madison, North Carolina with 5 loans, about 3.1 percent of the market. The largest lender headquartered in North Carolina was Truist Bank with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
20 lenders closed FHA loans in Madison, North Carolina in 2025, led by United Wholesale Mortgage with 2. 14 lenders closed VA loans, led by Pennymac Loan Services LLC, and 6 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 17 banks and 8 credit unions closed home loans in Madison, North Carolina in 2025, alongside 41 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 Madison, 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 Madison, 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 Madison. 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.
