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Mortgage Lenders and Brokers in Woodfin, North Carolina

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Woodfin, North Carolina mortgage lenders include State Employees' Credit UnionState Employees' Credit Union1125 ACADEMY ST N, AHOSKIE, NC 27910A-5.0 ★Texas Ratio: 14.13%, HomeTrust BankHomeTrust Bank192 Airport Rd, Arden, NC 28704A+5.0 ★Texas Ratio: 5.53%, Telco Community Credit UnionTelco Community Credit Union198 Airport Rd, Arden, NC 28704A+5.0 ★Texas Ratio: 5.00%, Champion Credit UnionChampion Credit Union2311 Hendersonville Rd, Arden, NC 28704A+5.0 ★Texas Ratio: 1.55%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust351 N 1st St, Albemarle, NC 28001A5.0 ★Texas Ratio: 7.72%, Bank of America NABank of America NA5496 Apex Peakway, Apex, NC 27502A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1007 Beaver Creek Commons Dr, Apex, NC 27502A+5.0 ★Texas Ratio: 3.68%, United Community BankUnited Community Bank732 Main St, Andrews, NC 28901A+5.0 ★Texas Ratio: 2.97%, The Park National BankThe Park National Bank1127 Hendersonville Rd, Asheville, NC 28803A5.0 ★Texas Ratio: 6.62%, and Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%. 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 Woodfin, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Woodfin 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 Woodfin, North Carolina

Market share is the lender's share of all home loans closed in Woodfin, 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
State Employees' Credit Union 1125 ACADEMY ST N, AHOSKIE, NC 27910 A-5.0 ★Texas Ratio: 14.13%	Conventional, HELOC	32 +18 HELOCs	8.5%	76.2%	$291,250	View
HomeTrust Bank 192 Airport Rd, Arden, NC 28704 A+5.0 ★Texas Ratio: 5.53%	Conventional, Jumbo, HELOC	12 +7 HELOCs	3.2%	80%	$372,500	View
Telco Community Credit Union 198 Airport Rd, Arden, NC 28704 A+5.0 ★Texas Ratio: 5.00%	Conventional, HELOC	6 +3 HELOCs	1.6%	100%	$231,666	View
Champion Credit Union 2311 Hendersonville Rd, Arden, NC 28704 A+5.0 ★Texas Ratio: 1.55%	Conventional	5	1.3%	100%	$373,000	View
First Ciitizens Bank and Trust 351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72%	Conventional, FHA, Jumbo, HELOC	4 +15 HELOCs	1.1%	57.1%	$412,500	View
Bank of America NA 5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	4 +7 HELOCs	1.1%	100%	$1,190,000	View
JPMorgan Chase Bank, NA 1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	4	1.1%	100%	$1,037,500	View
United Community Bank 732 Main St, Andrews, NC 28901 A+5.0 ★Texas Ratio: 2.97%	Conventional, HELOC	3 +2 HELOCs	0.8%	100%	$301,666	View
The Park National Bank 1127 Hendersonville Rd, Asheville, NC 28803 A5.0 ★Texas Ratio: 6.62%	Conventional, HELOC	3 +2 HELOCs	0.8%	100%	$511,666	View
Wells Fargo Bank NA 5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36%	Conventional	3	0.8%	75%	$325,000	View
Truist Bank ★ 1 stars, 1 review 1803 N Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	2 +5 HELOCs	0.5%	100%	$275,000	View
Self Help Credit Union 1911 Hendersonville Rd, Asheville, NC 28803 A+5.0 ★Texas Ratio: 2.49%	Conventional	2	0.5%	100%	$245,000	View
Skyla Federal Credit Union 148 Charlotte St, Asheville, NC 28801 1923 A5.0 ★Texas Ratio: 9.56%	Conventional, HELOC	1 +3 HELOCs	0.3%	100%	$295,000	View
Truliant Federal Credit Union 1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43%	Conventional, HELOC	1 +2 HELOCs	0.3%	33.3%	$275,000	View
First Bank 105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94%	Conventional, HELOC	1 +2 HELOCs	0.3%	33.3%	$305,000	View
TD Bank 335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	1 +1 HELOCs	0.3%	50%	$805,000	View
US Bank, N.A. 8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo	1	0.3%	50%	$1,885,000	View
First Horizon Bank ★ 5 stars, 1 review 5361 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.76%	Conventional, Jumbo	1	0.3%	100%	$1,995,000	View
Atlantic Union Bank 3101 S Church St, Burlington, NC 27215 A+5.0 ★Texas Ratio: 2.51%	Conventional	1	0.3%	100%	$345,000	View
Servisfirst Bank 1200 Ridgefield Blvd, Asheville, NC 28806 A5.0 ★Texas Ratio: 8.75%	Conventional	1	0.3%	100%	$355,000	View
Ameris Bank ★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0.3%	100%	$425,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 102 Church St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +3 HELOCs	0%	n/a		View
Huntington National Bank 101 S Tryon St, Charlotte, NC 28280 A+5.0 ★Texas Ratio: 3.66%	HELOC	0 +1 HELOCs	0%	n/a		View
Regions Bank 1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37%	HELOC	0 +1 HELOCs	0%	n/a		View
Coastal Federal Credit Union Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34%	HELOC	0 +1 HELOCs	0%	n/a
Fifth Third Bank, National Association 1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +1 HELOCs	0%	n/a		View
Goprime Mortgage, Inc.	Conventional, VA	2	0.5%	100%	$250,000
Movement Mortgage, LLC	Conventional, FHA, VA, HELOC	38 +2 HELOCs	10.1%	100%	$344,473
Rocket Mortgage	Conventional, FHA, VA, Jumbo	32	8.5%	87.8%	$304,062
United Wholesale Mortgage	Conventional, FHA, VA	19	5.1%	90.9%	$369,210
DHI Mortgage Company, LTD.	Conventional, FHA	19	5.1%	90.5%	$320,263
Atlantic Bay Mortgage Group	Conventional, FHA, VA	17	4.5%	100%	$392,058
United Federal Credit Union A+5.0 ★Texas Ratio: 2.15%	Conventional, Jumbo, HELOC	11 +4 HELOCs	2.9%	84.6%	$369,545	View
Howard Hanna Financial Services, Inc	Conventional, FHA	10	2.7%	100%	$349,000
Guaranteed Rate, Inc.	Conventional, VA, HELOC	8 +1 HELOCs	2.1%	100%	$402,500
Union Home Mortgage Corp.	Conventional, VA, USDA, HELOC	7 +1 HELOCs	1.9%	100%	$386,428
Freedom Mortgage Corporation	Conventional, FHA, VA	7	1.9%	80%	$363,571
Pennymac Loan Services LLC	Conventional, VA	6	1.6%	75%	$221,666
loanDepot.com LLC	Conventional, FHA, VA, HELOC	5 +2 HELOCs	1.3%	100%	$385,000
Bay Equity LLC	Conventional, FHA	5	1.3%	100%	$409,000
Mortgage Research Center	Conventional, VA	5	1.3%	83.3%	$403,000
New American Funding, LLC.	Conventional, FHA	5	1.3%	83.3%	$283,000
ALCOVA Mortgage, LLC	Conventional, FHA	4	1.1%	100%	$327,500
Cmg Mortgage Inc	Conventional, VA	4	1.1%	100%	$407,500
Fairway Independent Mort Corp	Conventional	4	1.1%	80%	$340,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.8%	100%	$865,000	View
Newrez LLC	Conventional, VA	3	0.8%	75%	$288,333
CrossCountry Mortgage, LLC	Conventional	3	0.8%	100%	$528,333
Amerisave Mortgage Company	Conventional, FHA	3	0.8%	50%	$125,000
Nationstar Mortgage	Conventional	3	0.8%	75%	$181,666
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional	3	0.8%	100%	$121,666	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	3	0.8%	100%	$448,333	View
Spring Eq, LLC	Conventional, HELOC	2 +1 HELOCs	0.5%	50%	$55,000
Genisys Credit Union	Conventional, Jumbo	2	0.5%	100%	$1,010,000
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	Conventional, Jumbo	2	0.5%	100%	$775,000	View
Primelending	Conventional	2	0.5%	100%	$130,000
Triad Financial Services, Inc.	Conventional	2	0.5%	66.7%	$65,000
General Mortgage Capital Corporation	Conventional	2	0.5%	100%	$335,000
New Day Financial, LLC.	VA, Jumbo	2	0.5%	66.7%	$850,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional, VA	2	0.5%	100%	$320,000	View
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional	2	0.5%	100%	$320,000
21St Mortgage	Conventional	2	0.5%	40%	$120,000
Vanderbilt Mortgage and Finance, Inc	Conventional	2	0.5%	33.3%	$150,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.3%	100%	$505,000	View
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 3.36%	Conventional	1	0.3%	100%	$295,000	View
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional	1	0.3%	100%	$705,000	View
American Financial Resources LLC	Conventional	1	0.3%	100%	$805,000
Sage Home Loans Corporation	Conventional	1	0.3%	100%	$335,000
Nbkc Bank	Conventional, Jumbo	1	0.3%	100%	$1,755,000
Equity Prime Mortgage LLC	FHA	1	0.3%	100%	$175,000
Fcb Banks A5.0 ★Texas Ratio: 7.31%	Conventional	1	0.3%	100%	$395,000	View
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.3%	100%	$505,000	View
American Financial Network, Inc.	FHA	1	0.3%	100%	$405,000
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional	1	0.3%	100%	$265,000	View
Nqm Funding, LLC	FHA	1	0.3%	100%	$285,000
Sun West Mortgage Company, Inc	FHA	1	0.3%	100%	$375,000
Absolute Home Mortgage	Conventional	1	0.3%	100%	$285,000
Credit Union Mortgage Associat	Conventional	1	0.3%	100%	$715,000
HQ Mortgage LLC	Conventional	1	0.3%	100%	$505,000
American Heritage Lending, LLC	Conventional	1	0.3%	100%	$385,000
Highlands Residential Mortgage, Ltd.	Conventional	1	0.3%	100%	$335,000
Nfm, Inc	Conventional	1	0.3%	100%	$515,000
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional, Jumbo	1	0.3%	100%	$1,005,000	View
Provident Funding Associates	Conventional	1	0.3%	100%	$375,000
Lendsure Mortgage Corp.	Conventional	1	0.3%	100%	$515,000
United Mortgage Corp. A+5.0 ★Texas Ratio: 2.15%	FHA	1	0.3%	100%	$155,000	View
Pentagon Federal Credit Union	VA	1	0.3%	100%	$525,000
Better Mortgage Corporation	Conventional	1	0.3%	100%	$405,000
Radius Financial Group Inc	VA	1	0.3%	100%	$445,000
Mortgage Solutions of Colorado	FHA	1	0.3%	100%	$105,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	1	0.3%	100%	$2,405,000	View
Zillow Home Loans, LLC	Conventional	1	0.3%	100%	$605,000
Prosperity Home Mortgage, LLC	Conventional	1	0.3%	100%	$595,000
Veritas Funding, LLC	FHA	1	0.3%	100%	$245,000
First Florida Credit Union	Conventional	1	0.3%	100%	$165,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.3%	100%	$615,000	View
Carrington Mortgage Services LLC	Conventional	1	0.3%	50%	$395,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.3%	100%	$375,000	View
Village Capital & Investment	FHA	1	0.3%	100%	$285,000
Figure Lending LLC	HELOC	0 +4 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +2 HELOCs	0%	n/a
MidFirst Bank A+5.0 ★Texas Ratio: 4.93%	HELOC	0 +1 HELOCs	0%	n/a		View
Tower Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Inova Federal Credit Union A+5.0 ★Texas Ratio: 1.96%	HELOC	0 +1 HELOCs	0%	n/a		View
Justice Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Bank Ozk	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Woodfin Mortgage Rate Trends

Daily average mortgage rates for North Carolina compared with the national average, updated every evening.

30-Year Fixed NC Avg

7.431%

▲ 0.109 vs 7 days ago

15-Year Fixed NC Avg

6.986%

▲ 0.082 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Woodfin, North Carolina

Looking for mortgage lenders near me or mortgage brokers near me in Woodfin? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Woodfin in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Woodfin, NC

Use these to narrow the list above. Each category shows how many Woodfin, NC lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 54 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 35 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 17 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 21 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 17 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 15 lenders. Loans above the conforming limit for higher priced homes Local lenders based in NC 12 lenders headquartered in North Carolina, the closest thing to a mortgage lender near you

Who Lends in Woodfin, NC

Independent mortgage companies closed 65.2 percent of home loans in Woodfin, North Carolina in 2025, banks 17 percent and credit unions 17.8 percent. Goprime Mortgage, Inc. was the largest mortgage company, HomeTrust Bank the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, State Employees' Credit Union led with 32 loans.

65.2%

Mortgage companies

17%

Banks

17.8%

Credit unions

11%

FHA loans

VA 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

All North Carolina lenders 1,003 lenders Charlotte 471 lenders Raleigh 368 lenders Durham 327 lenders Greensboro 278 lenders Fayetteville 241 lenders Winston-Salem 268 lenders Cary 268 lenders Concord 235 lenders Fuquay-Varina 224 lenders Apex 197 lenders Gastonia 197 lenders Wilmington 221 lenders

Frequently Asked Questions About Mortgage Lenders in Woodfin, NC

Who is the largest mortgage lender in Woodfin, NC?

By home loans closed in 2025, State Employees' Credit Union was the largest mortgage lender in Woodfin, North Carolina with 32 loans, about 8.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Woodfin, NC mortgage lenders offer FHA, VA and USDA loans?

21 lenders closed FHA loans in Woodfin, North Carolina in 2025, led by Atlantic Bay Mortgage Group with 7. 17 lenders closed VA loans, led by Mortgage Research Center, 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.

Are credit unions and local banks included in this Woodfin, NC lender list?

Yes. 35 banks and 17 credit unions closed home loans in Woodfin, North Carolina in 2025, alongside 54 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.

How are mortgage lenders in Woodfin, NC ranked on this page?

Lenders are ranked only by the number of home loans they closed in Woodfin, 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 Woodfin, 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 Woodfin. 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.