Home›North Carolina›Refinance
refinance lenders · HMDA 2023–2025

Refinance lenders in North Carolina

Fat Boy Data analyzed mortgage refinance activity in North Carolina to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 93,447 applications were decided by 671 lenders between 2023 and 2025.

North Carolina at a glance

671Active lenders206 with 20+ decisions
77.3%Market approval rate72,255 of 93,447 decided
$205KTypical loanmedian lender, $10K brackets
93%Borrower take-up67,164 loans funded

How North Carolina compares

Approval rate compared
North Carolina77.3%All 616 counties76.5%
Typical loan compared
North Carolina$205KAll 616 counties$295K

What the data shows

State Employees' made the most mortgage refinances in North Carolina, 9,463 of them.

American Security Mortgage Corp. approved the highest share of applications among lenders with at least 20 decisions here, 99% of 310.

The typical mortgage refinance here is $205K, 31% smaller than the the United States typical of $295K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Amerisave Mortgage Corporation: 15% approved of 271Discover Bank: 30% approved of 1,401Carrington Mortgage Services, LLC: 45% approved of 262Spring Eq, LLC: 47% approved of 243Lakeview Loan Servicing, LLC: 50% approved of 1,349Mortgage Research Center, LLC: 56% approved of 1,692Pentagon Federal Credit Union: 59% approved of 299Sharonview Federal Credit Union: 60% approved of 204Navy Federal Credit Union: 62% approved of 471Truliant Federal Credit Union: 63% approved of 3,545First Horizon Bank: 65% approved of 692Homebridge Financial Services, Inc.: 68% approved of 206Truist Bank: 68% approved of 5,495First National Bank of Pennsylvania: 68% approved of 2,147Third Federal Savings And Loan Association Of Cleveland: 69% approved of 801Newrez LLC: 70% approved of 1,106Civic Federal Credit Union: 71% approved of 938Skyla Federal Credit Union: 72% approved of 209Bank of America, National Association: 72% approved of 2,746State Employees': 72% approved of 13,306Onity Mortgage Corporation: 72% approved of 227Milend, Inc.: 72% approved of 459Fifth Third Bank, National Association: 73% approved of 1,179Citizens Bank, National Association: 74% approved of 425PNC Bank, National Association: 74% approved of 1,893HomeTrust Bank: 74% approved of 341New American Funding, LLC: 76% approved of 221COASTAL Federal Credit Union: 77% approved of 1,955SouthState Bank, National Association: 77% approved of 433Wells Fargo Bank, National Association: 77% approved of 761United Community Bank: 77% approved of 476First-Citizens Bank & Trust Company: 77% approved of 5,209Royal United Mortgage LLC: 77% approved of 405First Bank: 78% approved of 533Pinnacle Bank: 80% approved of 409Loandepot.Com, LLC: 81% approved of 472Planet Home Lending, LLC: 82% approved of 351Rocket Mortgage, LLC: 83% approved of 4,712Allegacy Federal Credit Union: 83% approved of 1,167Amerihome Mortgage Company, LLC: 84% approved of 308Mutual of Omaha Mortgage, Inc.: 85% approved of 702Finance of America Reverse LLC: 85% approved of 400The Fidelity Bank: 86% approved of 540Corning Federal Credit Union: 88% approved of 250Guaranteed Rate, Inc.: 89% approved of 285Nationstar Mortgage LLC: 90% approved of 435Fairway Independent Mortgage Corporation: 90% approved of 234Pennymac Loan Services, LLC: 90% approved of 2,370United Wholesale Mortgage, LLC: 91% approved of 7,714Cmg Mortgage, Inc.: 92% approved of 344JPMorgan Chase Bank, National Association: 93% approved of 435Village Capital & Investment LLC: 93% approved of 1,720Union Home Mortgage Corp.: 94% approved of 413Provident Funding Associates, L.P.: 95% approved of 246Freedom Mortgage Corporation: 96% approved of 4,084Atlantic Bay Mortgage Group, L.L.C.: 96% approved of 344Alcova Mortgage LLC: 96% approved of 297Crosscountry Mortgage, LLC: 96% approved of 667Movement Mortgage, LLC: 96% approved of 835American Security Mortgage Corp.: 99% approved of 310

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in North Carolina

LenderApprovalApprovedTaken upTypical loanLoans made
1State Employees'72%9,567 / 13,30699%$105K9,463
2United Wholesale Mortgage, LLCBroker only91%7,002 / 7,71494%$405K6,609
3Truist Bank68%3,749 / 5,49593%$105K3,489
4First-Citizens Bank & Trust Company77%4,006 / 5,20994%$185K3,752
5Rocket Mortgage, LLC83%3,915 / 4,71293%$315K3,622

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 666 more lenders.

Free. One email unlocks the whole market.

You are seeing the 5 largest mortgage refinance lenders in North Carolina. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

  • Every lender, ranked
  • Approval and take-up rates
  • Typical loan and full range
  • Nearest office and distance
  • Branch count and how to apply
  • Download as CSV

We email you the unlock link and occasional updates on your market. We may share your interest with mortgage providers so they can contact you. How we use your data. Unsubscribe any time.

Other lending data for North Carolina

Mortgage lenders in North CarolinaHome improvement loans in North CarolinaCash-out refinance in North CarolinaInvestment property purchase in North CarolinaInvestment cash-out refinance in North CarolinaInvestment refinance in North CarolinaInvestment home improvement in North Carolina

Counties in North Carolina

Wake CountyCountyMecklenburg CountyCountyGuilford CountyCountyForsyth CountyCountyCumberland CountyCountyDurham CountyCountyBuncombe CountyCountyUnion CountyCountyGaston CountyCountyCabarrus CountyCountyNew Hanover CountyCountyJohnston CountyCounty