Mortgage Lenders and Brokers in Oak Ridge, 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
Oak Ridge, North Carolina mortgage lenders include Truist BankTruist Bank8002 Marketplace Dr, Oak Ridge, NC 27310A+5.0 ★Texas Ratio: 2.87%, State Employees' Credit UnionState Employees' Credit Union2047 OAK RIDGE RD, OAK RIDGE, NC 27310A-5.0 ★Texas Ratio: 14.13%, US Bank, N.A.US Bank, N.A.8334 Pineville Matthews Rd, Charlotte, NC 28226A+5.0 ★Texas Ratio: 2.85%, The Fidelity BankThe Fidelity Bank804 E Williams St, Apex, NC 27502A+5.0 ★Texas Ratio: 3.02%, Truliant Federal Credit UnionTruliant Federal Credit Union1055 E Dixie Dr, Asheboro, NC 27203A5.0 ★Texas Ratio: 6.43%, First National Bank of PAFirst National Bank of PA303 S Salem St, Apex, NC 27502A+5.0 ★Texas Ratio: 1.62%, Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%, Piedmont Federal Savings BankPiedmont Federal Savings Bank1399 Blowing Rock Rd, Boone, NC 28607A+5.0 ★Texas Ratio: 0.60%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1007 Beaver Creek Commons Dr, Apex, NC 27502A+5.0 ★Texas Ratio: 3.68%, and Bank of Oak RidgeBank of Oak Ridge2211 Oak Ridge Rd, Oak Ridge, NC 27310A+5.0 ★Texas Ratio: 2.92%. 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 Oak Ridge, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oak Ridge 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 Oak Ridge, North Carolina
Market share is the lender's share of all home loans closed in Oak Ridge, 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 stars, 1 review 1 office in Oak Ridge 8002 Marketplace Dr, Oak Ridge, NC 27310 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo, HELOC | 18 +12 HELOCs |
7.5% | 94.7% | $483,888 | View |
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2047 OAK RIDGE RD, OAK RIDGE, NC 27310 A-5.0 ★Texas Ratio: 14.13% |
Conventional, Jumbo, HELOC | 13 +13 HELOCs |
5.4% | 100% | $504,230 | View |
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8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA | 9 | 3.7% | 90% | $412,777 | View |
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804 E Williams St, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.02% |
Conventional, HELOC | 6 +5 HELOCs |
2.5% | 100% | $320,000 | View |
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1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43% |
Conventional, HELOC | 6 +5 HELOCs |
2.5% | 66.7% | $141,666 | View |
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303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional, Jumbo, HELOC | 5 +11 HELOCs |
2.1% | 100% | $719,000 | View |
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5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 4 | 1.7% | 100% | $390,000 | View |
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1399 Blowing Rock Rd, Boone, NC 28607 A+5.0 ★Texas Ratio: 0.60% |
Conventional, Jumbo | 4 | 1.7% | 80% | $545,000 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 1.2% | 75% | $651,666 | View |
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2211 Oak Ridge Rd, Oak Ridge, NC 27310 A+5.0 ★Texas Ratio: 2.92% |
Conventional, Jumbo | 3 | 1.2% | 100% | $978,333 | View |
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351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 2 +8 HELOCs |
0.8% | 100% | $445,000 | View |
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3101 S Church St, Burlington, NC 27215 A+5.0 ★Texas Ratio: 2.51% |
Conventional, Jumbo, HELOC | 2 +2 HELOCs |
0.8% | 100% | $720,000 | View |
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103 N 2nd St, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 3.04% |
Conventional, FHA | 2 | 0.8% | 66.7% | $400,000 | View |
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8210 W Market St, Greensboro, NC 27409 A+5.0 ★Texas Ratio: 2.76% |
Conventional | 2 | 0.8% | 100% | $85,000 | View |
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★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 2 | 0.8% | 100% | $320,000 | View |
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128 Yadkin Valley Rd, Advance, NC 27006 A+5.0 ★Texas Ratio: 4.25% |
Conventional, HELOC | 1 +8 HELOCs |
0.4% | 50% | $395,000 | 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, HELOC | 1 +5 HELOCs |
0.4% | 100% | $385,000 | View |
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★ 5 stars, 1 review 5361 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.76% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $795,000 | View |
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Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $265,000 | |
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835 Highway 70 West, Garner, NC 27529 A+5.0 ★Texas Ratio: 1.77% |
Conventional | 1 | 0.4% | 100% | $205,000 | View |
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732 Main St, Andrews, NC 28901 A+5.0 ★Texas Ratio: 2.97% |
VA | 1 | 0.4% | 100% | $675,000 | View |
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105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,005,000 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
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4064 Colony Rd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 3.08% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Wolfe Financial Inc
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Conventional | 3 | 1.2% | 100% | $505,000 | |
American Security Mortgage Cor
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Conventional | 1 | 0.4% | 100% | $505,000 | |
Goprime Mortgage, Inc.
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VA | 1 | 0.4% | 100% | $565,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 21 | 8.7% | 81.5% | $318,333 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 15 +1 HELOCs |
6.2% | 100% | $419,666 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 8 | 3.3% | 100% | $413,750 | |
Movement Mortgage, LLC
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Conventional, VA, HELOC | 7 +1 HELOCs |
2.9% | 100% | $355,000 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, Jumbo | 7 | 2.9% | 87.5% | $533,571 | |
Howard Hanna Financial Services, Inc
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Conventional | 6 | 2.5% | 100% | $333,333 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 4 | 1.7% | 100% | $332,500 | |
Newrez LLC
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Conventional | 4 | 1.7% | 80% | $242,500 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 4 | 1.7% | 100% | $580,000 | |
Kind Lending, LLC
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Conventional | 4 | 1.7% | 100% | $387,500 | |
Discover Bank
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Conventional | 4 | 1.7% | 57.1% | $95,000 | |
Union Home Mortgage Corp.
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Conventional, VA | 4 | 1.7% | 100% | $410,000 | |
Fairway Independent Mort Corp
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Conventional | 3 | 1.2% | 100% | $515,000 | |
Equity Resources Inc
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Conventional | 2 | 0.8% | 100% | $410,000 | |
General Mortgage Capital Corporation
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Conventional | 2 | 0.8% | 100% | $290,000 | |
Cmg Mortgage Inc
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Conventional | 2 | 0.8% | 100% | $510,000 | |
Bay Equity LLC
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Conventional | 2 | 0.8% | 100% | $275,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional, Jumbo | 2 | 0.8% | 100% | $855,000 | |
Mortgage Research Center
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VA | 2 | 0.8% | 100% | $430,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 2 | 0.8% | 100% | $500,000 | |
New American Funding, LLC.
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Conventional, Jumbo | 2 | 0.8% | 66.7% | $570,000 | |
Tomo Mortgage LLC
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Conventional | 2 | 0.8% | 100% | $710,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +4 HELOCs |
0.4% | 100% | $485,000 | |
Pentagon Federal Credit Union
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VA, HELOC | 1 +2 HELOCs |
0.4% | 50% | $335,000 | |
loanDepot.com LLC
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FHA, HELOC | 1 +1 HELOCs |
0.4% | 100% | $505,000 | |
Corning Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $705,000 | |
EMM Loans LLC
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Conventional | 1 | 0.4% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,085,000 | View |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.4% | 100% | $525,000 | View |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.4% | 100% | $385,000 | View |
American Financial Resources LLC
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USDA | 1 | 0.4% | 100% | $235,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.4% | 100% | $125,000 | |
Atlantic Coast Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $245,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.4% | 66.7% | $655,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.4% | 100% | $575,000 | |
Nbkc Bank
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VA | 1 | 0.4% | 100% | $605,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.4% | 100% | $295,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.4% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 0.65% |
Conventional | 1 | 0.4% | 100% | $595,000 | View |
Guild Mortgage Company
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Conventional | 1 | 0.4% | 100% | $265,000 | |
Homestead Funding Corp.
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Conventional | 1 | 0.4% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,065,000 | View |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.4% | 100% | $325,000 | View |
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A5.0 ★Texas Ratio: 7.39% |
Conventional | 1 | 0.4% | 100% | $505,000 | View |
Flexpoint, Inc.
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Conventional | 1 | 0.4% | 100% | $785,000 | |
Flat Branch Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $205,000 | |
Nfm, Inc
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Conventional | 1 | 0.4% | 100% | $415,000 | |
Resource Financial Services, Inc.
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Conventional | 1 | 0.4% | 100% | $475,000 | |
Provident Funding Associates
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Conventional | 1 | 0.4% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.4% | 100% | $685,000 | View |
Affinity Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $375,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.4% | 100% | $45,000 | |
Pike Creek Mortgage Services, Inc.
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FHA | 1 | 0.4% | 100% | $315,000 | |
V.I.P. Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $615,000 | |
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A5.0 ★Texas Ratio: 10.43% |
Conventional | 1 | 0.4% | 100% | $625,000 | View |
TowneBank
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Conventional | 1 | 0.4% | 100% | $595,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.4% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 100% | $615,000 | View |
Reliance First Capital, LLC
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Conventional | 1 | 0.4% | 100% | $115,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.4% | 100% | $335,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.4% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Spring Eq, LLC
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Mission Loans, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Oak Ridge 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 Oak Ridge, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Oak Ridge? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oak Ridge in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oak Ridge, NC
Use these to narrow the list above. Each category shows how many Oak Ridge, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Oak Ridge, NC
Independent mortgage companies closed 56.4 percent of home loans in Oak Ridge, North Carolina in 2025, banks 32 percent and credit unions 11.6 percent. Wolfe Financial Inc was the largest mortgage company, Truist Bank the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, Truist Bank led with 18 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 Oak Ridge, NC
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Oak Ridge, North Carolina with 18 loans, about 7.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
10 lenders closed FHA loans in Oak Ridge, North Carolina in 2025, led by US Bank, N.A. with 2. 12 lenders closed VA loans, led by United Wholesale Mortgage, and 1 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 10 credit unions closed home loans in Oak Ridge, North Carolina in 2025, alongside 53 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 Oak Ridge, 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 Oak Ridge, 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 Oak Ridge. 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.
