Mortgage Lenders and Brokers in Morganton, 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
Morganton, North Carolina mortgage lenders include First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust217 N Sterling St, Morganton, NC 28655A5.0 ★Texas Ratio: 7.72%, Truist BankTruist Bank105 Avery Ave, Morganton, NC 28655A+5.0 ★Texas Ratio: 2.87%, Bank of America NABank of America NA100 N Green St, Morganton, NC 28655A+5.0 ★Texas Ratio: 4.14%, First Horizon BankFirst Horizon Bank201 E Meeting St, Morganton, NC 28655A+5.0 ★Texas Ratio: 5.76%, Wells Fargo Bank NAWells Fargo Bank NA801 S Sterling St, Morganton, NC 28655A+5.0 ★Texas Ratio: 5.36%, TD BankTD Bank401 S Sterling St, Morganton, NC 28655A+5.0 ★Texas Ratio: 3.71%, State Employees' Credit UnionState Employees' Credit Union130 CARBON CITY RD, MORGANTON, NC 28655A-5.0 ★Texas Ratio: 14.13%, Telco Community Credit UnionTelco Community Credit Union127 W Parker Rd, Morganton, NC 28655 4629A+5.0 ★Texas Ratio: 5.00%, Skyline National BankSkyline National Bank1641 Blowing Rock Road, Boone, NC 28607A+5.0 ★Texas Ratio: 3.31%, and Peoples BankPeoples Bank1117 Parkside Main St, Cary, NC 27519A+5.0 ★Texas Ratio: 2.98%. 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 Morganton, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Morganton 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 Morganton, North Carolina
Market share is the lender's share of all home loans closed in Morganton, 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 Morganton 217 N Sterling St, Morganton, NC 28655 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 6 +17 HELOCs |
1.5% | 85.7% | $303,333 | View |
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★ 1 stars, 1 review 1 office in Morganton 105 Avery Ave, Morganton, NC 28655 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 6 +14 HELOCs |
1.5% | 75% | $203,333 | View |
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1 office in Morganton 100 N Green St, Morganton, NC 28655 A+5.0 ★Texas Ratio: 4.14% |
FHA, HELOC | 3 +7 HELOCs |
0.7% | 100% | $255,000 | View |
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★ 5 stars, 1 review 1 office in Morganton 201 E Meeting St, Morganton, NC 28655 A+5.0 ★Texas Ratio: 5.76% |
Conventional, HELOC | 3 +2 HELOCs |
0.7% | 75% | $295,000 | View |
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2 offices in Morganton 801 S Sterling St, Morganton, NC 28655 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 0.7% | 100% | $155,000 | View |
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1 office in Morganton 401 S Sterling St, Morganton, NC 28655 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 33.3% | $495,000 | View |
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130 CARBON CITY RD, MORGANTON, NC 28655 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 74 +81 HELOCs |
18.1% | 86.2% | $241,081 | View |
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127 W Parker Rd, Morganton, NC 28655 4629 A+5.0 ★Texas Ratio: 5.00% |
Conventional, HELOC | 2 +1 HELOCs |
0.5% | 100% | $180,000 | View |
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1641 Blowing Rock Road, Boone, NC 28607 A+5.0 ★Texas Ratio: 3.31% |
Conventional | 2 | 0.5% | 100% | $105,000 | View |
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1117 Parkside Main St, Cary, NC 27519 A+5.0 ★Texas Ratio: 2.98% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 50% | $205,000 | View |
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1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $125,000 | View |
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8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.2% | 33.3% | $95,000 | View |
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148 Charlotte St, Asheville, NC 28801 1923 A5.0 ★Texas Ratio: 9.56% |
Conventional | 1 | 0.2% | 100% | $165,000 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
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192 Airport Rd, Arden, NC 28704 A+5.0 ★Texas Ratio: 5.53% |
Conventional | 1 | 0.2% | 100% | $205,000 | View |
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104 NC 54 Ste KK, Carrboro, NC 27510 A5.0 ★Texas Ratio: 6.08% |
Conventional | 1 | 0.2% | 100% | $175,000 | View |
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8210 W Market St, Greensboro, NC 27409 A+5.0 ★Texas Ratio: 2.76% |
Conventional | 1 | 0.2% | 100% | $35,000 | View |
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105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94% |
Conventional | 1 | 0.2% | 100% | $175,000 | View |
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★ 1.7 stars, 3 reviews 102 Church St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 0.2% | 100% | $185,000 | View |
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★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.2% | 100% | $85,000 | View |
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1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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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 | |
Cardinal Financial Company, Li
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Conventional, VA | 3 | 0.7% | 100% | $441,666 | |
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A4.6 ★Texas Ratio: 4.64% |
Conventional | 1 | 0.2% | 100% | $335,000 | View |
American Security Mortgage Cor
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VA | 1 | 0.2% | 100% | $325,000 | |
Goprime Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $265,000 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA, USDA | 71 | 17.4% | 100% | $210,492 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 51 | 12.5% | 80% | $253,627 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 20 +1 HELOCs |
4.9% | 75% | $256,000 | |
Movement Mortgage, LLC
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Conventional, FHA, USDA, HELOC | 12 +1 HELOCs |
2.9% | 100% | $226,666 | |
Highlands Residential Mortgage, Ltd.
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Conventional, FHA | 9 | 2.2% | 100% | $153,888 | |
Mortgage Research Center
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FHA, VA | 8 | 2% | 61.5% | $278,750 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, USDA | 7 | 1.7% | 80% | $257,857 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 6 +3 HELOCs |
1.5% | 66.7% | $206,666 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 6 | 1.5% | 100% | $203,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 5 +2 HELOCs |
1.2% | 83.3% | $237,000 | |
Freedom Mortgage Corporation
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FHA, VA | 5 | 1.2% | 100% | $235,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 5 | 1.2% | 55.6% | $183,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional, FHA, USDA | 5 | 1.2% | 83.3% | $221,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, FHA, VA, Jumbo | 5 | 1.2% | 100% | $311,000 | View |
Nationstar Mortgage
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Conventional, FHA, VA | 4 | 1% | 80% | $172,500 | |
Newrez LLC
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Conventional, VA | 3 | 0.7% | 100% | $148,333 | |
ALCOVA Mortgage, LLC
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Conventional, FHA | 3 | 0.7% | 100% | $248,333 | |
Amerisave Mortgage Company
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Conventional | 3 | 0.7% | 25% | $68,333 | |
New Day Financial, LLC.
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VA | 3 | 0.7% | 50% | $285,000 | |
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A5.0 ★Texas Ratio: 6.31% |
Conventional | 3 | 0.7% | 100% | $145,000 | |
New American Funding, LLC.
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FHA | 3 | 0.7% | 75% | $175,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 0.7% | 8.7% | $135,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 2 | 0.5% | 50% | $280,000 | |
Nbkc Bank
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Conventional | 2 | 0.5% | 100% | $395,000 | |
Equity Prime Mortgage LLC
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Conventional, FHA | 2 | 0.5% | 100% | $260,000 | |
Guild Mortgage Company
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FHA, VA | 2 | 0.5% | 100% | $235,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 0.5% | 100% | $410,000 | View |
Agfirst Farm Credit Bank
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Conventional | 2 | 0.5% | 100% | $440,000 | |
Towne Mortgage Company
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Conventional | 2 | 0.5% | 100% | $255,000 | |
Better Mortgage Corporation
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Conventional, FHA | 2 | 0.5% | 100% | $240,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA | 2 | 0.5% | 66.7% | $300,000 | |
Lower, LLC
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Conventional | 2 | 0.5% | 100% | $320,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 20% | $25,000 | |
EMM Loans LLC
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Conventional | 1 | 0.2% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 3.36% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
Liberty Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $185,000 | |
Howard Hanna Financial Services, Inc
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Conventional | 1 | 0.2% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 2.15% |
FHA | 1 | 0.2% | 100% | $245,000 | View |
AdvantageFirst Lending Inc
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FHA | 1 | 0.2% | 100% | $455,000 | |
City Lending Inc.
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FHA | 1 | 0.2% | 50% | $255,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.2% | 100% | $295,000 | View |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.2% | 100% | $225,000 | View |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.2% | 100% | $325,000 | View |
Cmg Mortgage Inc
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Conventional | 1 | 0.2% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 1.16% |
Conventional | 1 | 0.2% | 100% | $505,000 | View |
New Wave Lending Group Inc
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Conventional | 1 | 0.2% | 100% | $195,000 | |
Family Trust Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $15,000 | |
American Financing Corporation
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VA | 1 | 0.2% | 100% | $105,000 | |
First Heritage Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $465,000 | |
Corning Credit Union
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Conventional | 1 | 0.2% | 100% | $275,000 | |
Nfm, Inc
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VA | 1 | 0.2% | 100% | $325,000 | |
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A4.7 ★Texas Ratio: 0.83% |
Conventional | 1 | 0.2% | 100% | $215,000 | View |
BoxCar Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $115,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.2% | 100% | $205,000 | View |
Radius Financial Group Inc
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FHA | 1 | 0.2% | 100% | $245,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.2% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.2% | 100% | $475,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.2% | 100% | $175,000 | |
Mortgage Investors Group
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Conventional | 1 | 0.2% | 100% | $265,000 | |
21St Mortgage
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Conventional | 1 | 0.2% | 20% | $225,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
Reliance First Capital, LLC
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FHA | 1 | 0.2% | 50% | $165,000 | |
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C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 0.2% | 100% | $225,000 | View |
Village Capital & Investment
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VA | 1 | 0.2% | 100% | $235,000 | |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Goodleap, LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Gte Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Morganton 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 Morganton, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Morganton? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Morganton in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Morganton, NC
Use these to narrow the list above. Each category shows how many Morganton, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Morganton, NC
Independent mortgage companies closed 64.3 percent of home loans in Morganton, North Carolina in 2025, banks 13.4 percent and credit unions 22.2 percent. Cardinal Financial Company, Li 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 6 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 Morganton, NC
By home loans closed in 2025, First Ciitizens Bank and Trust was the largest mortgage lender in Morganton, North Carolina with 6 loans, about 1.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Morganton, North Carolina, Atlantic Bay Mortgage Group approved the highest share of completed applications in 2025 at 100 percent, against a 76.4 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.
28 lenders closed FHA loans in Morganton, North Carolina in 2025, led by Atlantic Bay Mortgage Group with 20. 20 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. 30 banks and 17 credit unions closed home loans in Morganton, 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 Morganton, 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 Morganton, 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 Morganton. 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.
