Mortgage Lenders and Brokers in Youngsville, 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
Youngsville, North Carolina mortgage lenders include First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust1060 Us Highway 1, Youngsville, NC 27596A5.0 ★Texas Ratio: 7.72%, First National Bank of PAFirst National Bank of PA978 Us Highway 1, Youngsville, NC 27596A+5.0 ★Texas Ratio: 1.62%, Benchmark Community BankBenchmark Community Bank110 S College St, Youngsville, NC 27596A+5.0 ★Texas Ratio: 1.65%, State Employees' Credit UnionState Employees' Credit Union1125 ACADEMY ST N, AHOSKIE, NC 27910A-5.0 ★Texas Ratio: 14.13%, North State BankNorth State Bank835 Highway 70 West, Garner, NC 27529A+5.0 ★Texas Ratio: 1.77%, Coastal Federal Credit UnionCoastal Federal Credit UnionOlive Chapel Village #131, Apex, NC 27502A+5.0 ★Texas Ratio: 4.34%, Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%, Truist BankTruist Bank1803 N Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 2.87%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1007 Beaver Creek Commons Dr, Apex, NC 27502A+5.0 ★Texas Ratio: 3.68%, 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 Youngsville, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Youngsville 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 Youngsville, North Carolina
Market share is the lender's share of all home loans closed in Youngsville, 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 Youngsville 1060 Us Highway 1, Youngsville, NC 27596 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo, HELOC | 9 +6 HELOCs |
1.2% | 69.2% | $213,888 | View |
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1 office in Youngsville 978 Us Highway 1, Youngsville, NC 27596 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 3 +3 HELOCs |
0.4% | 75% | $288,333 | View |
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1 office in Youngsville 110 S College St, Youngsville, NC 27596 A+5.0 ★Texas Ratio: 1.65% |
Conventional, Jumbo | 1 | 0.1% | 100% | $1,025,000 | View |
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1125 ACADEMY ST N, AHOSKIE, NC 27910 A-5.0 ★Texas Ratio: 14.13% |
Conventional, Jumbo, HELOC | 53 +50 HELOCs |
7.2% | 80.6% | $418,018 | View |
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835 Highway 70 West, Garner, NC 27529 A+5.0 ★Texas Ratio: 1.77% |
Conventional, FHA, VA, USDA, Jumbo | 22 | 3% | 95.7% | $518,636 | View |
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Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
Conventional, HELOC | 19 +32 HELOCs |
2.6% | 82.6% | $311,315 | |
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5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional, VA | 9 | 1.2% | 90% | $461,666 | View |
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★ 1 stars, 1 review 1803 N Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 6 +12 HELOCs |
0.8% | 100% | $435,000 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 5 | 0.7% | 83.3% | $439,000 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 4 +8 HELOCs |
0.5% | 100% | $180,000 | View |
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1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
Conventional, Jumbo, HELOC | 3 +4 HELOCs |
0.4% | 100% | $585,000 | View |
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8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 3 | 0.4% | 75% | $155,000 | View |
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★ 5 stars, 1 review 5361 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 3 | 0.4% | 100% | $365,000 | 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 | 2 +6 HELOCs |
0.3% | 66.7% | $320,000 | View |
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732 Main St, Andrews, NC 28901 A+5.0 ★Texas Ratio: 2.97% |
Conventional, HELOC | 2 +2 HELOCs |
0.3% | 50% | $480,000 | View |
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★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 2 | 0.3% | 100% | $325,000 | View |
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804 E Williams St, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.02% |
Conventional, HELOC | 1 +4 HELOCs |
0.1% | 100% | $555,000 | View |
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★ 5 stars, 1 review 192 E Woodrow Ave, Belmont, NC 28012 A+5.0 ★Texas Ratio: 2.27% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $315,000 | View |
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28 Schenck Pkwy, Asheville, NC 28803 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 0.1% | 100% | $575,000 | View |
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121 W Trade St Ste 1150, Charlotte, NC 28202 D3.3 ★Texas Ratio: 35.11% |
VA | 1 | 0.1% | 100% | $415,000 | View |
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2821 Crisman St, Charlotte, NC 28208 A+5.0 ★Texas Ratio: 3.27% |
Conventional, Jumbo | 1 | 0.1% | 100% | $855,000 | View |
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1399 Blowing Rock Rd, Boone, NC 28607 A+5.0 ★Texas Ratio: 0.60% |
Conventional | 1 | 0.1% | 100% | $255,000 | View |
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8210 W Market St, Greensboro, NC 27409 A+5.0 ★Texas Ratio: 2.76% |
Conventional | 1 | 0.1% | 100% | $55,000 | View |
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105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94% |
Conventional | 1 | 0.1% | 100% | $405,000 | View |
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2200 W Main St Ste L100, Durham, NC 27705 4600 A5.0 ★Texas Ratio: 6.76% |
Conventional | 1 | 0.1% | 100% | $35,000 | 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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1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
American Security Mortgage Cor
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Conventional, FHA, VA | 4 | 0.5% | 100% | $367,500 | |
Towne Mtg of the Carolinas,LLC
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Conventional | 4 | 0.5% | 100% | $370,000 | |
Goprime Mortgage, Inc.
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Conventional, FHA, VA | 4 | 0.5% | 100% | $455,000 | |
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A+5.0 ★Texas Ratio: 3.12% |
Conventional | 2 | 0.3% | 100% | $510,000 | View |
Deephaven Mortgage LLC
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Conventional, Jumbo | 1 | 0.1% | 100% | $1,445,000 | |
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A+5.0 ★Texas Ratio: 5.20% |
Conventional | 1 | 0.1% | 100% | $25,000 | View |
AgCarolina Farm Credit, ACA
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Conventional | 1 | 0.1% | 100% | $335,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.1% | 100% | $455,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 69 | 9.3% | 83.3% | $226,304 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional, FHA, VA | 50 | 6.8% | 88.3% | $428,600 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 41 +3 HELOCs |
5.5% | 87.5% | $402,073 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 36 | 4.9% | 90.7% | $371,388 | |
Nvr Mortgage Finance, Inc.
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Conventional, FHA, VA, USDA | 23 | 3.1% | 92% | $261,521 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, USDA | 21 | 2.8% | 100% | $414,523 | |
loanDepot.com LLC
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Conventional, FHA, VA, USDA, HELOC | 17 +6 HELOCs |
2.3% | 81% | $301,470 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA, Jumbo | 17 | 2.3% | 100% | $493,235 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 13 +2 HELOCs |
1.8% | 68.4% | $364,230 | |
Mortgage Research Center
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Conventional, VA | 12 | 1.6% | 75% | $418,333 | |
Fairway Independent Mort Corp
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Conventional, FHA | 12 | 1.6% | 100% | $300,833 | |
The Loan Store, Inc
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Conventional, FHA | 10 | 1.4% | 100% | $373,000 | |
Kbhs Home Loans, LLC
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Conventional, FHA, VA | 9 | 1.2% | 90.9% | $298,333 | |
Nationstar Mortgage
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Conventional, FHA, VA | 9 | 1.2% | 90% | $257,222 | |
New American Funding, LLC.
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Conventional, FHA, VA, HELOC | 8 +1 HELOCs |
1.1% | 100% | $335,000 | |
Newrez LLC
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Conventional, VA | 8 | 1.1% | 80% | $228,750 | |
TowneBank
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Conventional, VA | 8 | 1.1% | 88.9% | $296,250 | |
Zillow Home Loans, LLC
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Conventional, VA | 7 | 0.9% | 100% | $373,571 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA, VA | 7 | 0.9% | 87.5% | $460,714 | |
Cmg Mortgage Inc
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Conventional, HELOC | 6 +1 HELOCs |
0.8% | 77.8% | $410,000 | |
Howard Hanna Financial Services, Inc
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Conventional, VA | 6 | 0.8% | 100% | $405,000 | |
Movement Mortgage, LLC
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Conventional, FHA, HELOC | 5 +2 HELOCs |
0.7% | 100% | $341,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA, VA | 5 | 0.7% | 38.5% | $345,000 | |
Amerisave Mortgage Company
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Conventional | 5 | 0.7% | 55.6% | $91,000 | |
Guild Mortgage Company
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Conventional, FHA, VA | 5 | 0.7% | 100% | $373,000 | |
Lennar Mortgage, LLC
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Conventional, FHA, VA | 5 | 0.7% | 100% | $363,000 | |
Village Capital & Investment
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FHA, VA, Jumbo | 5 | 0.7% | 73.3% | $507,000 | |
Spring Eq, LLC
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Conventional, HELOC | 4 +3 HELOCs |
0.5% | 43.8% | $70,000 | |
ALCOVA Mortgage, LLC
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Conventional | 4 | 0.5% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 4 | 0.5% | 100% | $232,500 | View |
Union Home Mortgage Corp.
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FHA, VA, USDA | 4 | 0.5% | 100% | $522,500 | |
Mutual of Omaha Mortgage
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Conventional, FHA, Jumbo | 4 | 0.5% | 100% | $505,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, Jumbo | 4 | 0.5% | 100% | $537,500 | View |
Guaranteed Rate, Inc.
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Conventional, FHA | 3 | 0.4% | 100% | $421,666 | |
Primelending
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Conventional | 3 | 0.4% | 100% | $308,333 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional, VA | 3 | 0.4% | 100% | $518,333 | View |
Republic State Mortgage Company
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Conventional, FHA | 3 | 0.4% | 100% | $321,666 | |
First Heritage Mortgage, LLC
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Conventional, FHA | 3 | 0.4% | 100% | $531,666 | |
Resource Financial Services, Inc.
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Conventional, VA | 3 | 0.4% | 100% | $431,666 | |
Carrington Mortgage Services LLC
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Conventional, FHA, VA | 3 | 0.4% | 33.3% | $208,333 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional | 3 | 0.4% | 100% | $278,333 | View |
Better Mortgage Corporation
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Conventional, HELOC | 2 +1 HELOCs |
0.3% | 66.7% | $380,000 | |
Tidewater Mortgage Services, Inc
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Conventional | 2 | 0.3% | 100% | $600,000 | |
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A+5.0 ★Texas Ratio: 3.36% |
Conventional | 2 | 0.3% | 66.7% | $525,000 | View |
Nbkc Bank
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VA | 2 | 0.3% | 100% | $480,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 2 | 0.3% | 100% | $305,000 | |
AdvantageFirst Lending Inc
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VA | 2 | 0.3% | 100% | $435,000 | |
Homestead Funding Corp.
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Conventional | 2 | 0.3% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 2 | 0.3% | 100% | $175,000 | View |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 2 | 0.3% | 100% | $340,000 | View |
Bay Equity LLC
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Conventional, FHA | 2 | 0.3% | 100% | $390,000 | |
Nfm, Inc
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Conventional | 2 | 0.3% | 100% | $460,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 0.3% | 100% | $695,000 | View |
Atlantic Bay Mortgage Group
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Conventional | 2 | 0.3% | 100% | $365,000 | |
Provident Funding Associates
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Conventional | 2 | 0.3% | 100% | $420,000 | |
Lendsure Mortgage Corp.
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Conventional, Jumbo | 2 | 0.3% | 100% | $535,000 | |
Pentagon Federal Credit Union
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VA | 2 | 0.3% | 66.7% | $495,000 | |
Lower, LLC
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FHA, VA | 2 | 0.3% | 66.7% | $335,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 2 | 0.3% | 100% | $470,000 | |
Reliance First Capital, LLC
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Conventional | 2 | 0.3% | 100% | $250,000 | |
Plaza Home Mortgage, Inc
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Conventional, VA | 2 | 0.3% | 100% | $375,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $445,000 | View |
American Airlines Federal Cred
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $295,000 | |
Goodleap, LLC
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VA, HELOC | 1 +1 HELOCs |
0.1% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $615,000 | View |
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A5.0 ★Texas Ratio: 6.45% |
Conventional | 1 | 0.1% | 100% | $375,000 | View |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.1% | 100% | $375,000 | View |
Tidewater Home Funding, LLC
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FHA | 1 | 0.1% | 100% | $365,000 | |
American Financial Resources LLC
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FHA | 1 | 0.1% | 100% | $465,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.1% | 100% | $385,000 | View |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.1% | 100% | $215,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $205,000 | |
Everett Financial, Inc.
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VA | 1 | 0.1% | 100% | $445,000 | |
Success Lending, LLC
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Conventional | 1 | 0.1% | 100% | $555,000 | |
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A+5.0 ★Texas Ratio: 4.31% |
Conventional | 1 | 0.1% | 100% | $245,000 | View |
Loansteady LLC
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Conventional | 1 | 0.1% | 100% | $315,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.1% | 100% | $485,000 | |
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A5.0 ★Texas Ratio: 7.31% |
Conventional | 1 | 0.1% | 100% | $185,000 | View |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 1 | 0.1% | 100% | $275,000 | View |
Filo Mortgage, LLC
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VA | 1 | 0.1% | 100% | $375,000 | |
Resicentral LLC
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Conventional | 1 | 0.1% | 100% | $415,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.1% | 50% | $385,000 | |
City Lending Inc.
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VA | 1 | 0.1% | 100% | $315,000 | |
Velocio Mortgage, L.L.C.
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Conventional | 1 | 0.1% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.1% | 100% | $535,000 | View |
HomeBridge Financial Services, Inc
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VA | 1 | 0.1% | 100% | $255,000 | |
Sfmc, LP
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Conventional | 1 | 0.1% | 100% | $395,000 | |
Ahl Funding
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Conventional | 1 | 0.1% | 100% | $265,000 | |
Discover Bank
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Conventional | 1 | 0.1% | 16.7% | $205,000 | |
Royal Pacific Funding
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Conventional | 1 | 0.1% | 100% | $205,000 | |
VanDyk Mortgage Corporation
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FHA | 1 | 0.1% | 100% | $345,000 | |
Weichert Financial Services
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VA | 1 | 0.1% | 100% | $385,000 | |
Capital Center LLC
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Conventional | 1 | 0.1% | 100% | $315,000 | |
New Day Financial, LLC.
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VA | 1 | 0.1% | 16.7% | $295,000 | |
Credence Funding Corporation
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VA | 1 | 0.1% | 100% | $375,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.1% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.1% | 100% | $695,000 | View |
T2 Financial LLC
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Conventional | 1 | 0.1% | 100% | $175,000 | |
Vellum Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $515,000 | |
Waterstone Mortgage Corporation
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FHA | 1 | 0.1% | 100% | $275,000 | |
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A5.0 ★Texas Ratio: 10.25% |
Conventional | 1 | 0.1% | 100% | $225,000 | View |
BoxCar Mortgage, LLC
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FHA | 1 | 0.1% | 100% | $425,000 | |
Castle & Cooke Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $225,000 | |
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A5.0 ★Texas Ratio: 7.48% |
Conventional | 1 | 0.1% | 100% | $205,000 | View |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.1% | 50% | $435,000 | View |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.1% | 100% | $175,000 | View |
Victorian Finance, LLC
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FHA | 1 | 0.1% | 100% | $315,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 1 | 0.1% | 100% | $525,000 | |
Jams-01 Inc dba Home Savings & Trust Mortgage
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Conventional | 1 | 0.1% | 100% | $245,000 | |
Summit Funding.Inc
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Conventional | 1 | 0.1% | 100% | $425,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.1% | 50% | $265,000 | View |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.1% | 100% | $355,000 | View |
Mortgage Investors Group
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VA | 1 | 0.1% | 100% | $315,000 | |
United Nations Federal CU
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Conventional | 1 | 0.1% | 100% | $415,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA, Jumbo | 1 | 0.1% | 100% | $985,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.1% | 100% | $55,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.1% | 100% | $375,000 | |
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A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 0.1% | 50% | $205,000 | View |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $355,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $305,000 | |
Figure Lending LLC
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HELOC | 0 +7 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 10.20% |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Oaktree Funding Corp
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HELOC | 0 +1 HELOCs |
0% | n/a |
Youngsville 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 Youngsville, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Youngsville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Youngsville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Youngsville, NC
Use these to narrow the list above. Each category shows how many Youngsville, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Youngsville, NC
Independent mortgage companies closed 69 percent of home loans in Youngsville, North Carolina in 2025, banks 18 percent and credit unions 13 percent. American Security Mortgage Cor 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 9 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 Youngsville, NC
By home loans closed in 2025, First Ciitizens Bank and Trust was the largest mortgage lender in Youngsville, North Carolina with 9 loans, about 1.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Youngsville, North Carolina, Vanderbilt Mortgage and Finance, Inc approved the highest share of completed applications in 2025 at 88.3 percent, against a 85.3 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.
39 lenders closed FHA loans in Youngsville, North Carolina in 2025, led by United Wholesale Mortgage with 10. 50 lenders closed VA loans, led by Freedom Mortgage Corporation, and 5 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. 50 banks and 15 credit unions closed home loans in Youngsville, North Carolina in 2025, alongside 96 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 Youngsville, 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 Youngsville, 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 Youngsville. 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.
