Mortgage lenders in Chatham County
2,161 mortgages were made in Chatham County, North Carolina, in 2025, by 297 lenders. The median rate their borrowers got was 6.500% on a median loan of $335,000. Of 2,784 decisions, 507 were denials — 18.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| STATE EMPLOYEES' | 301 | 6.250% | $165,000 | 21.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 123 | 6.250% | $415,000 | 8.8% |
| Rocket Mortgage, LLC | 120 | 6.625% | $270,000 | 18.7% |
| Truist Bank | 96 | 6.288% | $255,000 | 30.1% |
| First-Citizens Bank & Trust Company | 90 | 6.490% | $285,000 | 18.4% |
| The Fidelity Bank | 67 | 7.500% | $205,000 | 8.9% |
| COASTAL Federal Credit Union | 60 | 7.490% | $155,000 | 19.1% |
| Bank of America, National Association | 50 | 6.125% | $230,000 | 26.5% |
| MOVEMENT MORTGAGE, LLC | 47 | 6.375% | $465,000 | 1.6% |
| Taylor Morrison Home Funding, Inc. | 44 | 5.938% | $640,000 | 4.4% |
| CORPORATE INVESTORS MORTGAGE GROUP, INC | 40 | 6.625% | $495,000 | 2.4% |
| First National Bank of Pennsylvania | 39 | 6.375% | $495,000 | 26.4% |
| Fifth Third Bank, National Association | 36 | 6.750% | $450,000 | 12.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 32 | 6.125% | $465,000 | 2.9% |
| PENNYMAC LOAN SERVICES, LLC | 31 | 5.750% | $465,000 | 8.1% |
| Navy Federal Credit Union | 29 | 7.000% | $355,000 | 21.6% |
| PNC Bank, National Association | 28 | 6.563% | $110,000 | 32.6% |
| Prosperity Home Mortgage, LLC | 28 | 6.438% | $480,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 25 | 6.250% | $415,000 | 12.9% |
| Loandepot.Com, LLC | 23 | 6.625% | $205,000 | 17.9% |
| PULTE MORTGAGE LLC | 23 | 6.125% | $525,000 | 0.0% |
| Wells Fargo Bank, National Association | 21 | 6.375% | $375,000 | 8.7% |
| American Security Mortgage Corp. | 18 | 6.125% | $465,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 18 | 8.688% | $85,000 | 10.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 17 | 6.875% | $315,000 | 5.6% |
| Fairway Independent Mortgage Corporation | 17 | 6.625% | $525,000 | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 17 | 6.375% | $395,000 | 0.0% |
| Truliant Federal Credit Union | 16 | 7.200% | $100,000 | 61.0% |
| Mortgage Research Center, LLC | 16 | 5.750% | $415,000 | 22.7% |
| First Bank | 16 | 6.750% | $340,000 | 26.1% |
| JPMorgan Chase Bank, National Association | 15 | 6.625% | $595,000 | 21.1% |
| First Horizon Bank | 15 | 7.250% | $205,000 | 21.1% |
| NEWREZ LLC | 13 | 6.125% | $445,000 | 33.3% |
| SPRING EQ, LLC | 13 | 9.975% | $85,000 | 35.0% |
| UNION HOME MORTGAGE CORP. | 13 | 6.625% | $435,000 | 7.1% |
| Towne Bank | 13 | 6.950% | $535,000 | 13.3% |
| EMM LOANS LLC | 13 | 6.375% | $445,000 | 0.0% |
| OriginPoint, LLC | 13 | 6.625% | $575,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 12 | 9.500% | $120,000 | 61.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 5.990% | $450,000 | 29.4% |
| Third Federal Savings and Loan Association of Cleveland | 11 | 6.990% | $155,000 | 21.4% |
| ZILLOW HOME LOANS, LLC | 11 | 6.500% | $465,000 | 0.0% |
| GoPrime Mortgage, Inc. | 11 | 6.625% | $455,000 | 0.0% |
| Broker Solutions, Inc. | 10 | 6.688% | $325,000 | 28.6% |
| United Community Bank | 10 | 6.500% | $325,000 | 28.6% |
| GUARANTEED RATE, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| THE LOAN STORE, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| T2 FINANCIAL LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| AmeriSave Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 68.0% |
| GUILD MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST EQUITY MORTGAGE INCORPORATED | 7 | Under 10 loans | Under 10 loans | 12.5% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Regions Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ALLIANT CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LOCAL GOVERNMENT | 6 | Under 10 loans | Under 10 loans | 33.3% |
| U.S. Bank National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Primis Mortgage Company | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CALCON MUTUAL MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 18.2% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Pinnacle Bank | 5 | Under 10 loans | Under 10 loans | 22.2% |
| FIRST COMMUNITY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Mortgage of the Carolinas, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| North State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 76.9% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 42.9% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 28.6% |
| Lendage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CORNERSTONE CAPITAL BANK, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| UNIVERSITY Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SCHUMACHER MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JAMS-01, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 71.4% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AgSouth Farm Credit, ACA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CAPITAL CENTER, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AgFirst Farm Credit Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TD Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900YZ174H294JW398 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Carolina Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| C & F Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 60.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DUKE UNIVERSITY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Southern First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Union Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAFMAA Mortgage Services LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARIXA SECURED INCOME FUND, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Deseret First Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REPUBLIC STATE MORTGAGE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Oconee State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KS BANK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5493004T38NMC864VL66 | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 97 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Chatham County
17 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Truist Bank | 3 | $236.0 million |
| The Fidelity Bank | 2 | $142.1 million |
| First-Citizens Bank & Trust Company | 2 | $122.4 million |
| First Bank | 2 | $115.1 million |
| First Horizon Bank | 2 | $103.9 million |
| PNC Bank, National Association | 2 | $80.0 million |
| Pinnacle Bank | 1 | $144.1 million |
| Wells Fargo Bank, National Association | 1 | $114.2 million |
| JPMorgan Chase Bank, National Association | 1 | $7.3 million |
| Woodforest National Bank | 1 | $3.7 million |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.