Mortgage Lenders and Brokers in Washington, 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
Washington, North Carolina mortgage lenders include First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust1411 Carolina Ave, Washington, NC 27889A5.0 ★Texas Ratio: 7.72%, First BankFirst Bank639 W 15th St, Washington, NC 27889A+5.0 ★Texas Ratio: 1.94%, First National Bank of PAFirst National Bank of PA1422 Carolina Ave, Washington, NC 27889A+5.0 ★Texas Ratio: 1.62%, United Bank VaUnited Bank Va300 N Market St, Washington, NC 27889A+5.0 ★Texas Ratio: 2.15%, Wells Fargo Bank NAWells Fargo Bank NA1105 W 15th St, Washington, NC 27889A+5.0 ★Texas Ratio: 5.36%, State Employees' Credit UnionState Employees' Credit Union152 WHISPERING PINES RD, WASHINGTON, NC 27889A-5.0 ★Texas Ratio: 14.13%, Southern Bank and Trust CompanySouthern Bank and Trust Company506 Main St E, Ahoskie, NC 27910A+5.0 ★Texas Ratio: 1.13%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1007 Beaver Creek Commons Dr, Apex, NC 27502A+5.0 ★Texas Ratio: 3.68%, Truist BankTruist Bank1803 N Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 2.87%, and Bank of America NABank of America NA5496 Apex Peakway, Apex, NC 27502A+5.0 ★Texas Ratio: 4.14%. 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 Washington, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Washington 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 Washington, North Carolina
Market share is the lender's share of all home loans closed in Washington, 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 Washington 1411 Carolina Ave, Washington, NC 27889 A5.0 ★Texas Ratio: 7.72% |
Conventional, FHA, HELOC | 10 +2 HELOCs |
4.2% | 90.9% | $143,000 | View |
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1 office in Washington 639 W 15th St, Washington, NC 27889 A+5.0 ★Texas Ratio: 1.94% |
Conventional, HELOC | 7 +11 HELOCs |
2.9% | 100% | $359,285 | View |
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1 office in Washington 1422 Carolina Ave, Washington, NC 27889 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 5 +7 HELOCs |
2.1% | 71.4% | $111,000 | View |
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2 offices in Washington 300 N Market St, Washington, NC 27889 A+5.0 ★Texas Ratio: 2.15% |
Conventional, HELOC | 5 +4 HELOCs |
2.1% | 100% | $231,000 | View |
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1 office in Washington 1105 W 15th St, Washington, NC 27889 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.4% | 100% | $185,000 | View |
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152 WHISPERING PINES RD, WASHINGTON, NC 27889 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 24 +36 HELOCs |
10% | 80% | $179,166 | View |
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506 Main St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 1.13% |
Conventional, HELOC | 10 +4 HELOCs |
4.2% | 100% | $352,000 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 8 | 3.3% | 88.9% | $140,000 | View |
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★ 1 stars, 1 review 1803 N Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 2.87% |
Conventional, FHA, HELOC | 4 +5 HELOCs |
1.7% | 100% | $282,500 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $205,000 | 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 +2 HELOCs |
0.4% | 100% | $185,000 | View |
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1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 33.3% | $135,000 | View |
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1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.4% | 100% | $155,000 | View |
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Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
Conventional | 1 | 0.4% | 100% | $315,000 | |
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890 Hendersonville Rd, Asheville, NC 28803 A-5.0 ★Texas Ratio: 15.49% |
Conventional | 1 | 0.4% | 100% | $315,000 | View |
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1405 Bradford View Dr, Cary, NC 27519 A+5.0 ★Texas Ratio: 4.89% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,125,000 | View |
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1296 John Small Ave, Washington, NC 27889 3800 A5.0 ★Texas Ratio: 12.95% |
Conventional | 1 | 0.4% | 100% | $265,000 | View |
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1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.4% | 100% | $305,000 | |
American Security Mortgage Cor
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Conventional | 1 | 0.4% | 100% | $435,000 | |
AgCarolina Farm Credit, ACA
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Conventional | 1 | 0.4% | 100% | $325,000 | |
Corporate Investors Mortgage G
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Conventional | 1 | 0.4% | 100% | $225,000 | |
Goprime Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $175,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 20 | 8.3% | 70% | $153,500 | |
Atlantic Bay Mortgage Group
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Conventional, FHA | 15 | 6.2% | 100% | $239,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 12 | 5% | 100% | $234,166 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 9 +1 HELOCs |
3.8% | 100% | $227,222 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 8 +4 HELOCs |
3.3% | 80% | $241,250 | |
ALCOVA Mortgage, LLC
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Conventional, VA, USDA | 8 | 3.3% | 100% | $227,500 | |
Mortgage Research Center
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Conventional, VA | 8 | 3.3% | 75% | $280,000 | |
TowneBank
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Conventional, FHA | 7 | 2.9% | 100% | $245,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 4 | 1.7% | 18.2% | $127,500 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 1.2% | 85.7% | $221,666 | |
Amerisave Mortgage Company
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Conventional, FHA | 3 | 1.2% | 50% | $125,000 | |
Nationstar Mortgage
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Conventional, VA | 3 | 1.2% | 100% | $138,333 | |
Better Mortgage Corporation
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Conventional | 3 | 1.2% | 100% | $248,333 | |
Equity Prime Mortgage LLC
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Conventional, USDA | 2 | 0.8% | 100% | $390,000 | |
loanDepot.com LLC
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Conventional, VA | 2 | 0.8% | 100% | $215,000 | |
AmeriHome Mortgage Company, LLC
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VA | 2 | 0.8% | 100% | $220,000 | |
Pennymac Loan Services LLC
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FHA | 2 | 0.8% | 100% | $170,000 | |
Guild Mortgage Company
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Conventional, VA | 2 | 0.8% | 100% | $185,000 | |
Capital Center LLC
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Conventional | 2 | 0.8% | 100% | $310,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 0.8% | 100% | $190,000 | View |
New American Funding, LLC.
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Conventional, FHA | 2 | 0.8% | 40% | $70,000 | |
Neighborhood Mortgage Solutions, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $265,000 | |
Equity Resources Inc
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Conventional | 1 | 0.4% | 100% | $235,000 | |
Tidewater Mortgage Services, Inc
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Conventional | 1 | 0.4% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 3.36% |
Conventional | 1 | 0.4% | 100% | $565,000 | View |
American Financial Resources LLC
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Conventional | 1 | 0.4% | 100% | $255,000 | |
Star USA Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $405,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.4% | 100% | $175,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
FHA | 1 | 0.4% | 100% | $335,000 | View |
Newrez LLC
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Conventional | 1 | 0.4% | 100% | $125,000 | |
Howard Hanna Financial Services, Inc
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Conventional | 1 | 0.4% | 100% | $195,000 | |
Movement Mortgage, LLC
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VA | 1 | 0.4% | 100% | $135,000 | |
PHH Mortgage Corporation
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VA | 1 | 0.4% | 100% | $555,000 | |
Resicentral LLC
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Conventional | 1 | 0.4% | 100% | $145,000 | |
AdvantageFirst Lending Inc
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VA | 1 | 0.4% | 100% | $475,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.4% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
VA | 1 | 0.4% | 100% | $335,000 | View |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.4% | 100% | $425,000 | |
American Financing Corporation
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FHA | 1 | 0.4% | 100% | $55,000 | |
First Heritage Mortgage, LLC
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Conventional, Jumbo | 1 | 0.4% | 100% | $815,000 | |
Nfm, Inc
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Conventional | 1 | 0.4% | 100% | $195,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $155,000 | |
Encompass Lending Group, L.P.
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VA | 1 | 0.4% | 100% | $125,000 | |
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A4.7 ★Texas Ratio: 0.83% |
Conventional | 1 | 0.4% | 100% | $385,000 | View |
T2 Financial LLC
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Conventional | 1 | 0.4% | 100% | $275,000 | |
BoxCar Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $135,000 | |
Milend, Inc
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FHA | 1 | 0.4% | 50% | $165,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.4% | 100% | $215,000 | View |
Lower, LLC
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FHA | 1 | 0.4% | 100% | $385,000 | |
21St Mortgage
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Conventional | 1 | 0.4% | 16.7% | $95,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 100% | $65,000 | View |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.4% | 50% | $55,000 | |
Loan Simple, Inc.
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USDA | 1 | 0.4% | 100% | $285,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.4% | 100% | $35,000 | |
Village Capital & Investment
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VA | 1 | 0.4% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Kinecta Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% |
Washington 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 Washington, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Washington? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Washington in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Washington, NC
Use these to narrow the list above. Each category shows how many Washington, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Washington, NC
Independent mortgage companies closed 56.2 percent of home loans in Washington, North Carolina in 2025, banks 28.8 percent and credit unions 15 percent. Deephaven Mortgage LLC 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 10 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 Washington, NC
By home loans closed in 2025, First Ciitizens Bank and Trust was the largest mortgage lender in Washington, North Carolina with 10 loans, about 4.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
17 lenders closed FHA loans in Washington, North Carolina in 2025, led by CrossCountry Mortgage, LLC with 9. 18 lenders closed VA loans, led by Mortgage Research Center, and 3 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. 23 banks and 9 credit unions closed home loans in Washington, 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 Washington, 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 Washington, 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 Washington. 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.
