Mortgage lenders in Davidson County
4,799 mortgages were made in Davidson County, North Carolina, in 2025, by 343 lenders. The median rate their borrowers got was 6.500% on a median loan of $205,000. Of 6,616 decisions, 1,560 were denials — 23.6%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| STATE EMPLOYEES' | 459 | 6.500% | $105,000 | 29.1% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 433 | 6.490% | $235,000 | 0.4% |
| Rocket Mortgage, LLC | 330 | 6.500% | $185,000 | 15.8% |
| First National Bank of Pennsylvania | 256 | 6.490% | $150,000 | 27.2% |
| DHI MORTGAGE COMPANY, LTD. | 194 | 4.990% | $315,000 | 22.0% |
| Truist Bank | 177 | 6.875% | $135,000 | 28.2% |
| Truliant Federal Credit Union | 175 | 7.250% | $75,000 | 46.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 143 | 6.059% | $255,000 | 17.7% |
| MOVEMENT MORTGAGE, LLC | 130 | 6.625% | $230,000 | 1.3% |
| ALLEGACY FEDERAL CREDIT UNION | 113 | 5.750% | $105,000 | 13.1% |
| Pinnacle Bank | 112 | 7.000% | $155,000 | 15.6% |
| Fairway Independent Mortgage Corporation | 85 | 6.625% | $215,000 | 4.4% |
| Mortgage Research Center, LLC | 79 | 6.500% | $275,000 | 23.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 78 | 6.625% | $235,000 | 2.5% |
| The Fidelity Bank | 78 | 7.500% | $180,000 | 12.0% |
| INSPIRE HOME LOANS INC. | 74 | 6.000% | $265,000 | 8.1% |
| FREEDOM MORTGAGE CORPORATION | 71 | 6.125% | $255,000 | 14.3% |
| UNION HOME MORTGAGE CORP. | 65 | 6.625% | $265,000 | 1.5% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 58 | 6.500% | $240,000 | 6.0% |
| Ixonia Bank | 52 | 6.750% | $230,000 | 0.0% |
| Loandepot.Com, LLC | 48 | 6.490% | $155,000 | 29.0% |
| PENNYMAC LOAN SERVICES, LLC | 47 | 6.000% | $275,000 | 23.1% |
| CANOPY MORTGAGE, LLC | 46 | 6.500% | $210,000 | 2.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 43 | 7.990% | $215,000 | 74.1% |
| GUILD MORTGAGE COMPANY | 42 | 6.558% | $210,000 | 4.1% |
| Navy Federal Credit Union | 41 | 7.625% | $195,000 | 32.8% |
| NEWREZ LLC | 36 | 6.500% | $230,000 | 35.1% |
| Bank of America, National Association | 34 | 6.245% | $105,000 | 53.3% |
| GUARANTEED RATE, INC. | 34 | 6.275% | $265,000 | 2.8% |
| NATIONSTAR MORTGAGE LLC | 34 | 7.813% | $135,000 | 15.0% |
| Kiavi Funding, Inc. | 31 | 9.450% | $175,000 | 5.9% |
| First-Citizens Bank & Trust Company | 29 | 7.100% | $105,000 | 34.0% |
| Broker Solutions, Inc. | 27 | 7.125% | $205,000 | 20.0% |
| Wells Fargo Bank, National Association | 27 | 6.500% | $195,000 | 34.2% |
| Alcova Mortgage LLC | 26 | 6.625% | $205,000 | 0.0% |
| First Bank | 24 | 7.000% | $215,000 | 31.4% |
| JPMorgan Chase Bank, National Association | 23 | 6.375% | $255,000 | 17.9% |
| AMERICAN FINANCIAL RESOURCES, INC. | 21 | 6.000% | $235,000 | 0.0% |
| AmeriSave Mortgage Corporation | 20 | 6.375% | $145,000 | 66.7% |
| SPRING EQ, LLC | 20 | 9.050% | $65,000 | 39.4% |
| FIGURE LENDING LLC | 20 | 10.200% | $50,000 | 17.7% |
| Prosperity Home Mortgage, LLC | 20 | 6.250% | $295,000 | 9.1% |
| Bank OZK | 19 | 6.000% | $105,000 | 24.0% |
| LOCAL GOVERNMENT | 18 | 8.000% | $35,000 | 48.6% |
| Atlantic Coast Mortgage, LLC | 18 | 6.563% | $200,000 | 0.0% |
| Coastal Community Bank | 17 | 9.990% | $55,000 | 5.0% |
| LAKEVIEW LOAN SERVICING, LLC | 17 | 6.490% | $245,000 | 42.9% |
| HomeTrust Bank | 17 | 7.500% | $115,000 | 39.3% |
| Ameris Bank | 17 | 6.490% | $255,000 | 5.6% |
| ENVOY MORTGAGE, LTD | 16 | 6.688% | $240,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 15 | 6.125% | $125,000 | 46.7% |
| PNC Bank, National Association | 15 | 7.350% | $75,000 | 37.5% |
| CMG MORTGAGE, INC. | 15 | 6.563% | $255,000 | 0.0% |
| Summit Credit Union | 15 | Not published | $85,000 | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 14 | 6.658% | $240,000 | 6.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 12 | 5.750% | $315,000 | 32.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 12 | 6.313% | $275,000 | 0.0% |
| Integrity Home Mortgage Corporation | 12 | 6.688% | $320,000 | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 12 | 6.125% | $265,000 | 0.0% |
| U.S. Bank National Association | 11 | 6.500% | $315,000 | 42.1% |
| GoodLeap, LLC | 11 | 8.350% | $55,000 | 30.0% |
| Equity Prime Mortgage LLC | 11 | 6.625% | $275,000 | 31.3% |
| MORTGAGE INVESTORS GROUP, INC. | 11 | 6.250% | $285,000 | 8.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 10 | 6.063% | $185,000 | 41.2% |
| EQUITY RESOURCES, INC. | 10 | 6.625% | $185,000 | 23.1% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 10 | 5.875% | $265,000 | 0.0% |
| First Horizon Bank | 9 | Under 10 loans | Under 10 loans | 35.7% |
| ZILLOW HOME LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| SUMMIT FUNDING, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Lendage, LLC | 8 | Under 10 loans | Under 10 loans | 21.4% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| PIEDMONT ADVANTAGE CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Nations Lending Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 77.5% |
| Fifth Third Bank, National Association | 7 | Under 10 loans | Under 10 loans | 56.3% |
| COASTAL Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 53.3% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Wolfe Financial, Inc | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 27.3% |
| T2 FINANCIAL LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Regions Bank | 7 | Under 10 loans | Under 10 loans | 11.1% |
| NFM, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 70.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Third Federal Savings and Loan Association of Cleveland | 6 | Under 10 loans | Under 10 loans | 36.4% |
| Citizens Bank, National Association | 6 | Under 10 loans | Under 10 loans | 40.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Piedmont Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SKYLA FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LATINO COMMUNITY CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 54.6% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LoanUnited.com, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| American Security Mortgage Corp. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Carter Bank & Trust | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 88.2% |
| TRIAD FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 42.3% |
| MILEND, INC. | 4 | Under 10 loans | Under 10 loans | 55.6% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Empeople Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Uwharrie Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Summit Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SCHUMACHER MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 70.6% |
| AgSouth Farm Credit, ACA | 3 | Under 10 loans | Under 10 loans | 57.1% |
| SHARONVIEW FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 62.5% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 62.5% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDERS FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Towne Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Primis Mortgage Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Atlantic Union Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| C & F Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Select Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 71.4% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AgFirst Farm Credit Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORPORATE INVESTORS MORTGAGE GROUP, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Legacy Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENCORE BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Blue Ridge Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Park National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Home Loan Investment Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 894500CFQPXSLHK0OK52 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 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 143 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Davidson County
25 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First National Bank of Pennsylvania | 8 | $902.8 million |
| Pinnacle Bank | 3 | $668.5 million |
| Truist Bank | 3 | $427.5 million |
| First Bank | 2 | $244.5 million |
| Wells Fargo Bank, National Association | 2 | $230.8 million |
| The Fidelity Bank | 2 | $133.2 million |
| Woodforest National Bank | 2 | $9.7 million |
| Bank OZK | 1 | $75.6 million |
| HomeTrust Bank | 1 | $70.4 million |
| Bank of America, National Association | 1 | $65.6 million |
Get told when this changes
When the next year’s lending figures are out for Davidson County, or a lender arrives or leaves.
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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.