Mortgage Lenders and Brokers in Murphy, 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
Murphy, North Carolina mortgage lenders include United Community BankUnited Community Bank116 Peachtree St, Murphy, NC 28906A+5.0 ★Texas Ratio: 2.97%, Truist BankTruist Bank1911 W Us Highway 64, Murphy, NC 28906A+5.0 ★Texas Ratio: 2.87%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust22 Hiwassee St, Murphy, NC 28906A5.0 ★Texas Ratio: 7.72%, PNC Bank N.A.PNC Bank N.A.50 Peachtree St, Murphy, NC 28906A+5.0 ★Texas Ratio: 4.24%, State Employees' Credit UnionState Employees' Credit Union1297 ANDREWS RD, MURPHY, NC 28906A-5.0 ★Texas Ratio: 14.13%, Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%, Civic FCUCivic FCU57 Valley River Ave, Murphy, NC 28906F1.0 ★Texas Ratio: 75.00%, First Horizon BankFirst Horizon Bank5361 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.76%, Huntington National BankHuntington National Bank101 S Tryon St, Charlotte, NC 28280A+5.0 ★Texas Ratio: 3.66%, and Southstate Bank, National AssociationSouthstate Bank, National Association192 E Woodrow Ave, Belmont, NC 28012A+5.0 ★Texas Ratio: 2.27%. 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 Murphy, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Murphy 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 Murphy, North Carolina
Market share is the lender's share of all home loans closed in Murphy, 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 Murphy 116 Peachtree St, Murphy, NC 28906 A+5.0 ★Texas Ratio: 2.97% |
Conventional, HELOC | 2 +21 HELOCs |
1.1% | 40% | $145,000 | View |
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★ 1 stars, 1 review 1 office in Murphy 1911 W Us Highway 64, Murphy, NC 28906 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 2 +3 HELOCs |
1.1% | 100% | $325,000 | View |
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1 office in Murphy 22 Hiwassee St, Murphy, NC 28906 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 2 +2 HELOCs |
1.1% | 40% | $205,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Murphy 50 Peachtree St, Murphy, NC 28906 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1297 ANDREWS RD, MURPHY, NC 28906 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 12 +7 HELOCs |
6.4% | 75% | $207,500 | View |
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5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 1.1% | 75% | $255,000 | View |
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57 Valley River Ave, Murphy, NC 28906 F1.0 ★Texas Ratio: 75.00% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $85,000 | View |
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★ 5 stars, 1 review 5361 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.5% | 100% | $455,000 | View |
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101 S Tryon St, Charlotte, NC 28280 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.5% | 100% | $495,000 | View |
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★ 5 stars, 1 review 192 E Woodrow Ave, Belmont, NC 28012 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 1 | 0.5% | 100% | $335,000 | View |
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105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94% |
Conventional | 1 | 0.5% | 100% | $415,000 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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A+5.0 ★Texas Ratio: 3.12% |
Conventional, FHA | 11 | 5.9% | 91.7% | $244,090 | View |
Rocket Mortgage
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Conventional, FHA, VA | 31 | 16.5% | 86.8% | $231,129 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 23 | 12.2% | 88.5% | $255,434 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 11 | 5.9% | 100% | $261,363 | |
Mortgage Research Center
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Conventional, FHA, VA | 7 | 3.7% | 70% | $207,857 | |
Pennymac Loan Services LLC
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Conventional, VA | 6 | 3.2% | 100% | $248,333 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 4 +2 HELOCs |
2.1% | 80% | $247,500 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 4 | 2.1% | 33.3% | $160,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 3 +1 HELOCs |
1.6% | 75% | $91,666 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 1.6% | 100% | $295,000 | |
Newrez LLC
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Conventional, FHA, VA | 3 | 1.6% | 100% | $231,666 | |
Amerisave Mortgage Company
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Conventional, FHA | 3 | 1.6% | 50% | $108,333 | |
Atlantic Bay Mortgage Group
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Conventional | 3 | 1.6% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 0.55% |
Conventional, FHA | 3 | 1.6% | 100% | $281,666 | View |
New American Funding, LLC.
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Conventional, FHA, VA | 3 | 1.6% | 75% | $298,333 | |
SWBC Mortgage Corporation
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Conventional | 2 | 1.1% | 100% | $220,000 | |
Mortgage Financial Group Inc
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Conventional, FHA | 2 | 1.1% | 100% | $260,000 | |
Paramount Residential Mortgage
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Conventional, FHA | 2 | 1.1% | 100% | $175,000 | |
Village Capital & Investment
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FHA, VA | 2 | 1.1% | 100% | $290,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 3.36% |
Conventional | 1 | 0.5% | 100% | $255,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.5% | 100% | $285,000 | |
Liberty Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $395,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.5% | 100% | $195,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.5% | 100% | $285,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.5% | 100% | $215,000 | |
BankSouth Mortgage Company LLC
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Conventional | 1 | 0.5% | 100% | $155,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 0.5% | 100% | $305,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.5% | 100% | $335,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $275,000 | |
Capital City Home Loans, LLC
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Conventional | 1 | 0.5% | 100% | $135,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.5% | 100% | $565,000 | |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.5% | 50% | $145,000 | View |
Builders Choice Mortgage LLC
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Conventional | 1 | 0.5% | 100% | $195,000 | |
American Financing Corporation
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FHA | 1 | 0.5% | 100% | $265,000 | |
Acu
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Conventional | 1 | 0.5% | 100% | $665,000 | |
Kwik Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $305,000 | |
Homeowners Financial Group, LLC
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Conventional | 1 | 0.5% | 100% | $195,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.5% | 100% | $245,000 | View |
Southeast Mortgage of Georgia, Inc.
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Conventional | 1 | 0.5% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 2.90% |
Conventional | 1 | 0.5% | 100% | $275,000 | View |
Planet Home Lending, LLC
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Conventional | 1 | 0.5% | 100% | $65,000 | |
Community First Credit Union of FLorida
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Conventional | 1 | 0.5% | 100% | $105,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $255,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.5% | 100% | $45,000 | |
Andrews Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $115,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $285,000 | |
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A5.0 ★Texas Ratio: 7.51% |
Conventional | 1 | 0.5% | 100% | $305,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.5% | 100% | $265,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.5% | 100% | $155,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.5% | 100% | $205,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 0.5% | 100% | $75,000 | |
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A+5.0 ★Texas Ratio: 3.79% |
Conventional | 1 | 0.5% | 100% | $305,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.5% | 100% | $135,000 | View |
Nexera Holding LLC
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Conventional | 1 | 0.5% | 100% | $525,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.5% | 50% | $165,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 0.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Murphy 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 Murphy, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Murphy? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Murphy in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Murphy, NC
Use these to narrow the list above. Each category shows how many Murphy, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Murphy, NC
Independent mortgage companies closed 70.7 percent of home loans in Murphy, North Carolina in 2025, banks 18.6 percent and credit unions 10.6 percent. Rocket Mortgage was the largest mortgage company, United Community Bank the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, Truist Bank led with 2 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 Murphy, NC
By home loans closed in 2025, United Community Bank was the largest mortgage lender in Murphy, North Carolina with 2 loans, about 1.1 percent of the market. The largest lender headquartered in North Carolina was Truist Bank with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
16 lenders closed FHA loans in Murphy, North Carolina in 2025, led by The Central Trust Bank with 3. 10 lenders closed VA loans, led by United Wholesale 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.
Yes. 23 banks and 8 credit unions closed home loans in Murphy, 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 Murphy, 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 Murphy, 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 Murphy. 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.
