Mortgage lenders in Guilford County
11,525 mortgages were made in Guilford County, North Carolina, in 2025, by 505 lenders. The median rate their borrowers got was 6.500% on a median loan of $205,000. Of 16,474 decisions, 4,255 were denials — 25.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| STATE EMPLOYEES' | 1,237 | 6.250% | $135,000 | 31.3% |
| Rocket Mortgage, LLC | 798 | 6.750% | $195,000 | 16.7% |
| Truliant Federal Credit Union | 588 | 7.250% | $95,000 | 50.4% |
| Truist Bank | 444 | 6.583% | $155,000 | 38.5% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 423 | 6.500% | $225,000 | 0.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 403 | 6.125% | $265,000 | 15.9% |
| MOVEMENT MORTGAGE, LLC | 387 | 6.625% | $235,000 | 4.0% |
| First National Bank of Pennsylvania | 266 | 6.250% | $185,000 | 17.5% |
| DHI MORTGAGE COMPANY, LTD. | 253 | 4.990% | $315,000 | 19.6% |
| First-Citizens Bank & Trust Company | 243 | 6.250% | $185,000 | 23.2% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 218 | 6.495% | $315,000 | 1.3% |
| Pinnacle Bank | 209 | 6.250% | $145,000 | 28.1% |
| GUARANTEED RATE, INC. | 207 | 6.375% | $265,000 | 6.3% |
| Bank of America, National Association | 186 | 6.240% | $125,000 | 45.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 169 | 6.575% | $275,000 | 3.9% |
| UNION HOME MORTGAGE CORP. | 149 | 6.625% | $235,000 | 1.3% |
| Mortgage Research Center, LLC | 138 | 6.250% | $285,000 | 28.0% |
| Prosperity Home Mortgage, LLC | 134 | 6.375% | $300,000 | 4.2% |
| FREEDOM MORTGAGE CORPORATION | 130 | 6.250% | $275,000 | 13.8% |
| ALLEGACY FEDERAL CREDIT UNION | 129 | 5.750% | $105,000 | 22.8% |
| 21st Mortgage Corporation | 119 | 11.470% | $55,000 | 68.8% |
| Navy Federal Credit Union | 118 | 7.483% | $175,000 | 30.3% |
| PENNYMAC LOAN SERVICES, LLC | 113 | 5.990% | $285,000 | 19.4% |
| JPMorgan Chase Bank, National Association | 112 | 6.375% | $230,000 | 10.9% |
| Fairway Independent Mortgage Corporation | 108 | 6.750% | $235,000 | 9.9% |
| Loandepot.Com, LLC | 102 | 6.625% | $140,000 | 34.4% |
| NATIONSTAR MORTGAGE LLC | 101 | 7.500% | $105,000 | 21.8% |
| Kiavi Funding, Inc. | 95 | 9.250% | $155,000 | 3.9% |
| NEWREZ LLC | 94 | 6.750% | $220,000 | 34.5% |
| The Fidelity Bank | 91 | 7.125% | $255,000 | 12.5% |
| Wells Fargo Bank, National Association | 86 | 6.290% | $215,000 | 23.0% |
| EQUITY RESOURCES, INC. | 86 | 6.625% | $235,000 | 10.4% |
| Ameris Bank | 78 | 6.625% | $235,000 | 7.1% |
| GUILD MORTGAGE COMPANY | 75 | 6.500% | $225,000 | 6.0% |
| AmeriSave Mortgage Corporation | 73 | 7.000% | $95,000 | 64.8% |
| Broker Solutions, Inc. | 73 | 6.740% | $205,000 | 24.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 73 | 6.625% | $275,000 | 0.0% |
| Summit Credit Union | 72 | Not published | $65,000 | 2.7% |
| Alcova Mortgage LLC | 70 | 6.625% | $235,000 | 4.5% |
| PNC Bank, National Association | 69 | 7.350% | $105,000 | 37.5% |
| U.S. Bank National Association | 64 | 6.250% | $315,000 | 27.2% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 63 | 6.625% | $275,000 | 0.0% |
| Coastal Community Bank | 61 | 10.490% | $55,000 | 2.4% |
| Atlantic Union Bank | 59 | 7.000% | $205,000 | 10.3% |
| CMG MORTGAGE, INC. | 55 | 6.750% | $265,000 | 6.4% |
| FIGURE LENDING LLC | 53 | 10.300% | $65,000 | 27.2% |
| First Bank | 52 | 7.000% | $185,000 | 18.2% |
| MORTGAGE INVESTORS GROUP, INC. | 49 | 6.250% | $305,000 | 10.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 48 | 6.250% | $265,000 | 15.5% |
| Towne Bank | 48 | 6.688% | $220,000 | 7.4% |
| Wolfe Financial, Inc | 42 | 6.813% | $285,000 | 2.3% |
| CANOPY MORTGAGE, LLC | 41 | 6.500% | $205,000 | 4.7% |
| GoodLeap, LLC | 40 | 5.995% | $135,000 | 22.7% |
| Citizens Bank, National Association | 36 | 7.400% | $190,000 | 29.1% |
| BPL MORTGAGE TRUST, LLC | 36 | 7.375% | $115,000 | 2.6% |
| ENVOY MORTGAGE, LTD | 35 | 6.625% | $235,000 | 10.3% |
| LATINO COMMUNITY CREDIT UNION | 35 | 7.500% | $165,000 | 2.3% |
| THE LOAN STORE, INC. | 35 | 6.875% | $205,000 | 7.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 33 | 7.290% | $165,000 | 8.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 33 | 6.375% | $275,000 | 2.9% |
| Lendage, LLC | 33 | 11.375% | $45,000 | 2.8% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 32 | 6.495% | $290,000 | 81.0% |
| SPRING EQ, LLC | 31 | 9.225% | $75,000 | 70.8% |
| First Horizon Bank | 31 | 7.250% | $165,000 | 20.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 30 | 5.750% | $305,000 | 25.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 29 | 7.124% | $125,000 | 59.3% |
| USAA Federal Savings Bank | 29 | 6.375% | $295,000 | 32.6% |
| Third Federal Savings and Loan Association of Cleveland | 26 | 6.990% | $95,000 | 35.6% |
| PLAZA HOME MORTGAGE, INC. | 26 | 6.433% | $235,000 | 29.3% |
| LOWER, LLC | 26 | 6.500% | $240,000 | 16.1% |
| Southern First Bank | 26 | 6.938% | $275,000 | 10.0% |
| BETTER MORTGAGE CORPORATION | 25 | 8.000% | $175,000 | 33.3% |
| KIND LENDING, LLC | 25 | 6.750% | $315,000 | 13.3% |
| COASTAL Federal Credit Union | 24 | 7.500% | $105,000 | 40.9% |
| Atlantic Coast Mortgage, LLC | 24 | 6.688% | $250,000 | 6.9% |
| VELOCIO MORTGAGE L.L.C. | 23 | 4.990% | $255,000 | 14.8% |
| RELIANCE FIRST CAPITAL, LLC | 23 | 6.500% | $155,000 | 8.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 23 | 10.540% | $55,000 | 8.0% |
| Loan Funder LLC | 22 | 8.130% | $185,000 | 8.3% |
| DEEPHAVEN MORTGAGE LLC | 22 | 7.058% | $210,000 | 21.4% |
| Summit Mortgage Corporation | 22 | 6.438% | $195,000 | 12.0% |
| Ixonia Bank | 22 | 6.750% | $250,000 | 0.0% |
| Discover Bank | 21 | 8.790% | $65,000 | 77.1% |
| Equity Prime Mortgage LLC | 21 | 6.250% | $235,000 | 19.2% |
| 254900M2C4Q6DATP2889 | 21 | 6.375% | $275,000 | 32.3% |
| NEW DAY FINANCIAL, LLC | 20 | 6.995% | $250,000 | 60.7% |
| FlexPoint, Inc. | 19 | 6.875% | $215,000 | 0.0% |
| A&D Mortgage LLC | 19 | 6.750% | $225,000 | 5.0% |
| Piedmont Federal Savings Bank | 19 | 6.875% | $185,000 | 9.5% |
| Renasant Bank | 19 | 6.313% | $335,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 18 | 6.250% | $305,000 | 60.6% |
| PENTAGON FEDERAL CREDIT UNION | 18 | 7.688% | $135,000 | 51.3% |
| AMERICAN HERITAGE LENDING, LLC | 18 | 7.313% | $135,000 | 9.1% |
| SKYLA FEDERAL CREDIT UNION | 17 | 7.720% | $85,000 | 61.7% |
| EMM LOANS LLC | 17 | 6.500% | $275,000 | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 17 | 7.800% | $205,000 | 0.0% |
| American Security Mortgage Corp. | 17 | 6.750% | $285,000 | 0.0% |
| Fifth Third Bank, National Association | 16 | 7.525% | $125,000 | 62.8% |
| AMERIHOME MORTGAGE COMPANY, LLC | 16 | 6.438% | $255,000 | 22.7% |
| Toyota Financial Savings Bank | 16 | Not published | $325,000 | 0.0% |
| LOCAL GOVERNMENT | 15 | 7.500% | $55,000 | 67.4% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 15 | 6.875% | $245,000 | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 15 | 7.250% | $205,000 | 6.3% |
| General Mortgage Capital Corporation | 15 | 6.499% | $215,000 | 6.3% |
| PHH Mortgage Corporation | 14 | 6.125% | $210,000 | 17.7% |
| Tomo Mortgage, LLC | 14 | 6.433% | $405,000 | 12.5% |
| PULTE MORTGAGE LLC | 14 | 5.313% | $255,000 | 39.1% |
| CHAMPIONS FUNDING, LLC | 14 | 7.500% | $205,000 | 26.3% |
| NBKC BANK | 13 | 6.125% | $455,000 | 7.1% |
| ROYAL UNITED MORTGAGE LLC | 13 | 6.750% | $125,000 | 0.0% |
| BAY EQUITY LLC | 13 | 6.375% | $245,000 | 0.0% |
| LoanUnited.com, LLC | 12 | 6.188% | $315,000 | 14.3% |
| Click n' Close, Inc. | 12 | 6.625% | $205,000 | 7.7% |
| Integrity Home Mortgage Corporation | 12 | 6.313% | $255,000 | 0.0% |
| VICTORIAN FINANCE, LLC | 12 | 6.438% | $235,000 | 0.0% |
| The Federal Savings Bank | 11 | 6.250% | $285,000 | 31.3% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 11 | 5.750% | $365,000 | 0.0% |
| Bank of Oak Ridge | 11 | Not published | $495,000 | 23.5% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 11 | 6.250% | $205,000 | 23.5% |
| PLANET HOME LENDING, LLC | 11 | 6.250% | $325,000 | 15.4% |
| AMWEST FUNDING CORP. | 10 | 6.688% | $120,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 10 | 6.250% | $240,000 | 9.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 10 | 9.865% | $100,000 | 0.0% |
| TOWNE MORTGAGE COMPANY | 10 | 6.375% | $315,000 | 5.6% |
| Regions Bank | 10 | 5.305% | $50,000 | 26.7% |
| Carter Bank & Trust | 10 | 8.313% | $135,000 | 37.5% |
| Citadel Servicing Corporation | 10 | 7.375% | $160,000 | 0.0% |
| Empeople Credit Union | 10 | 6.490% | $145,000 | 0.0% |
| 254900CTT87ZKAUTIJ37 | 9 | Under 10 loans | Under 10 loans | 30.8% |
| ZILLOW HOME LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| CAPITAL CENTER, L.L.C. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| CHURCHILL MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SELF-HELP Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AgFirst Farm Credit Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 8 | Under 10 loans | Under 10 loans | 35.7% |
| ALLIANT CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 46.7% |
| Baxter Credit Union | 8 | Under 10 loans | Under 10 loans | 35.7% |
| PROPONENT Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Paramount Residential Mortgage Group, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| VAN DYK MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 26.7% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 46.7% |
| LIMA ONE CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Hometown Equity Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| First Federal Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| RPE Home, Inc | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CORNING CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bank OZK | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Mid-Continent Funding, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 6 | Under 10 loans | Under 10 loans | 68.6% |
| Bank of England | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 6 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| C & F Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| United Community Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SOUTH RIVER MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Blue Ridge Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Presidential Bank, FSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RESOURCE FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Select Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 58.3% |
| MISSION LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 28.6% |
| TD Bank, National Association | 5 | Under 10 loans | Under 10 loans | 40.0% |
| PIEDMONT ADVANTAGE CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 64.3% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Valon Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Mortgage of the Carolinas, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HomeTrust Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LANGLEY Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NFM, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SCHUMACHER MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Easy Street Capital, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HONDA Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 305 lenders each made 4 or fewer mortgages here, and are counted in the totals above.
Bank branches in Guilford County
103 FDIC-insured branches from 22 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Truist Bank | 16 | $3.0 billion |
| Wells Fargo Bank, National Association | 14 | $2.0 billion |
| Bank of America, National Association | 10 | $2.0 billion |
| Pinnacle Bank | 10 | $1.8 billion |
| First-Citizens Bank & Trust Company | 8 | $811.0 million |
| First Bank | 6 | $727.8 million |
| Bank of Oak Ridge | 5 | $509.6 million |
| First National Bank of Pennsylvania | 5 | $383.6 million |
| Woodforest National Bank | 5 | $21.1 million |
| The Fidelity Bank | 4 | $224.4 million |
| Carter Bank & Trust | 3 | $304.7 million |
| First Horizon Bank | 3 | $259.2 million |
| JPMorgan Chase Bank, National Association | 3 | $86.5 million |
| Triad Business Bank | 2 | $430.7 million |
| PNC Bank, National Association | 2 | $167.7 million |
| TowneBank | 1 | $231.1 million |
| Atlantic Union Bank | 1 | $149.0 million |
| Southern First Bank | 1 | $148.8 million |
| Piedmont Federal Savings Bank | 1 | $28.1 million |
| Mechanics & Farmers Bank | 1 | $28.1 million |
| Blue Ridge Bank, National Association | 1 | $18.2 million |
| The Huntington National Bank | 1 | $13.7 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.