Mortgage lenders in Harnett County
5,532 mortgages were made in Harnett County, North Carolina, in 2025, by 343 lenders. The median rate their borrowers got was 6.250% on a median loan of $275,000. Of 7,271 decisions, 1,409 were denials — 19.4%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| STATE EMPLOYEES' | 411 | 6.250% | $125,000 | 33.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 352 | 5.999% | $295,000 | 10.5% |
| Rocket Mortgage, LLC | 270 | 6.375% | $235,000 | 16.1% |
| FREEDOM MORTGAGE CORPORATION | 223 | 6.125% | $335,000 | 10.1% |
| Mortgage Research Center, LLC | 207 | 6.250% | $315,000 | 24.8% |
| MOVEMENT MORTGAGE, LLC | 183 | 6.250% | $285,000 | 3.8% |
| DHI MORTGAGE COMPANY, LTD. | 179 | 4.990% | $335,000 | 20.9% |
| Navy Federal Credit Union | 170 | 6.438% | $225,000 | 23.5% |
| NFM, INC. | 163 | 6.250% | $315,000 | 2.4% |
| Loandepot.Com, LLC | 142 | 5.750% | $285,000 | 23.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 128 | 6.575% | $300,000 | 2.3% |
| Truist Bank | 113 | 6.490% | $125,000 | 26.4% |
| JET HOMELOANS, LP | 99 | 4.990% | $345,000 | 0.0% |
| Towne Bank | 91 | 5.375% | $375,000 | 2.2% |
| PENNYMAC LOAN SERVICES, LLC | 87 | 5.625% | $315,000 | 12.7% |
| KBHS HOME LOANS, LLC | 84 | 5.750% | $320,000 | 9.6% |
| First-Citizens Bank & Trust Company | 73 | 6.490% | $105,000 | 17.9% |
| NVR Mortgage Finance, Inc. | 69 | 6.125% | $295,000 | 17.9% |
| COASTAL Federal Credit Union | 66 | 7.400% | $110,000 | 34.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 64 | 8.750% | $170,000 | 58.5% |
| MATTAMY HOME FUNDING, LLC | 64 | 5.125% | $315,000 | 4.5% |
| CORNERSTONE CAPITAL BANK, SSB | 58 | 5.750% | $295,000 | 0.0% |
| LENNAR MORTGAGE, LLC | 52 | 4.250% | $245,000 | 24.3% |
| UNION HOME MORTGAGE CORP. | 52 | 5.990% | $310,000 | 5.4% |
| GUILD MORTGAGE COMPANY | 51 | 6.250% | $265,000 | 3.3% |
| Heritage Mortgage, LLC | 50 | 6.250% | $310,000 | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 48 | 6.500% | $320,000 | 4.0% |
| NEWREZ LLC | 47 | 6.250% | $285,000 | 30.6% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 47 | 6.250% | $225,000 | 2.0% |
| Broker Solutions, Inc. | 42 | 6.750% | $250,000 | 10.6% |
| American Security Mortgage Corp. | 42 | 6.313% | $305,000 | 2.2% |
| NATIONSTAR MORTGAGE LLC | 40 | 6.813% | $210,000 | 20.8% |
| Taylor Morrison Home Funding, Inc. | 39 | 5.625% | $285,000 | 13.3% |
| FBC MORTGAGE, LLC | 38 | 5.558% | $375,000 | 5.0% |
| Fairway Independent Mortgage Corporation | 37 | 6.625% | $235,000 | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 34 | 6.250% | $390,000 | 0.0% |
| First Bank | 33 | 7.000% | $155,000 | 17.5% |
| GUARANTEED RATE, INC. | 32 | 6.250% | $285,000 | 5.6% |
| The Fidelity Bank | 32 | 7.375% | $110,000 | 14.6% |
| Alcova Mortgage LLC | 31 | 6.250% | $325,000 | 5.7% |
| Wells Fargo Bank, National Association | 29 | 6.375% | $265,000 | 21.6% |
| VILLAGE CAPITAL & INVESTMENT LLC | 27 | 5.750% | $335,000 | 20.0% |
| USAA Federal Savings Bank | 27 | 6.250% | $305,000 | 43.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 25 | 6.250% | $345,000 | 9.4% |
| Fifth Third Bank, National Association | 24 | 6.700% | $250,000 | 21.9% |
| THE LOAN STORE, INC. | 24 | 6.625% | $195,000 | 7.4% |
| FIRST EQUITY MORTGAGE INCORPORATED | 23 | 6.375% | $475,000 | 8.0% |
| United Community Bank | 23 | 6.750% | $285,000 | 27.3% |
| First National Bank of Pennsylvania | 23 | 6.500% | $165,000 | 25.8% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 23 | 7.500% | $315,000 | 3.5% |
| PNC Bank, National Association | 22 | 7.100% | $115,000 | 53.2% |
| FIGURE LENDING LLC | 22 | 10.025% | $65,000 | 23.1% |
| Primis Mortgage Company | 22 | 6.875% | $315,000 | 0.0% |
| CMG MORTGAGE, INC. | 21 | 6.000% | $365,000 | 0.0% |
| AmeriSave Mortgage Corporation | 20 | 7.813% | $90,000 | 65.5% |
| EQUITY RESOURCES, INC. | 20 | 6.875% | $305,000 | 9.1% |
| NEW DAY FINANCIAL, LLC | 19 | 6.990% | $315,000 | 50.0% |
| Bank of America, National Association | 18 | 6.490% | $55,000 | 65.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 18 | 6.125% | $290,000 | 56.0% |
| Kiavi Funding, Inc. | 17 | 9.950% | $165,000 | 10.0% |
| T2 FINANCIAL LLC | 17 | 6.625% | $305,000 | 0.0% |
| GoPrime Mortgage, Inc. | 17 | 6.250% | $295,000 | 0.0% |
| First Federal Bank | 17 | Not published | $405,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 16 | 6.250% | $225,000 | 53.1% |
| The Federal Savings Bank | 16 | 6.563% | $355,000 | 11.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 16 | 6.625% | $270,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 16 | 6.188% | $295,000 | 5.9% |
| ZILLOW HOME LOANS, LLC | 16 | 6.563% | $305,000 | 5.9% |
| SPRING EQ, LLC | 15 | 9.525% | $65,000 | 58.3% |
| Coastal Community Bank | 15 | 10.990% | $45,000 | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 14 | 6.750% | $145,000 | 0.0% |
| KEYSTONE FUNDING, INC. | 14 | 6.058% | $270,000 | 6.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 13 | 6.125% | $305,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 13 | 6.500% | $245,000 | 7.1% |
| KIND LENDING, LLC | 13 | 6.750% | $285,000 | 31.6% |
| The Central Trust Bank | 13 | 6.625% | $295,000 | 12.5% |
| Presidential Bank, FSB | 13 | 6.625% | $225,000 | 7.1% |
| North State Bank | 13 | 6.500% | $305,000 | 0.0% |
| U.S. Bank National Association | 12 | 6.250% | $330,000 | 45.8% |
| PENTAGON FEDERAL CREDIT UNION | 12 | 6.500% | $225,000 | 33.3% |
| PLANET HOME LENDING, LLC | 12 | 5.933% | $285,000 | 29.4% |
| LIMA ONE CAPITAL, LLC | 12 | 10.925% | $190,000 | 7.7% |
| Equity Prime Mortgage LLC | 11 | 6.125% | $255,000 | 21.4% |
| 21st Mortgage Corporation | 10 | 10.270% | $120,000 | 73.5% |
| GoodLeap, LLC | 10 | 5.813% | $205,000 | 29.4% |
| LATINO COMMUNITY CREDIT UNION | 10 | 7.500% | $175,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 9 | Under 10 loans | Under 10 loans | 25.0% |
| LoanUnited.com, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LOCAL GOVERNMENT | 9 | Under 10 loans | Under 10 loans | 40.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 9 | Under 10 loans | Under 10 loans | 16.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 46.7% |
| 254900M2C4Q6DATP2889 | 8 | Under 10 loans | Under 10 loans | 27.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LOWER, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Click n' Close, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 27.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AgCarolina Farm Credit, FLCA | 7 | Under 10 loans | Under 10 loans | 10.0% |
| First National Bank of America | 7 | Under 10 loans | Under 10 loans | 22.2% |
| EMM LOANS LLC | 7 | Under 10 loans | Under 10 loans | 20.0% |
| TOWNE MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 7 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| REPUBLIC STATE MORTGAGE CO. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| KS BANK, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 6 | Under 10 loans | Under 10 loans | 78.6% |
| AMERICAN FINANCING CORPORATION | 6 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GENWAY HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 6 | Under 10 loans | Under 10 loans | 22.2% |
| TIDEWATER MORTGAGE SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| INTERCOASTAL MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 11.1% |
| C & F Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MICHIGAN MUTUAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Mortgage of the Carolinas, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SFMC, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| JAMS-01, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESOURCE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST BANCORP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| COUNTRYPLACE MORTGAGE, LTD. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CALCON MUTUAL MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Mid-Continent Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Truliant Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| AML FUNDING LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Ameris Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AAFMAA Mortgage Services LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900YZ174H294JW398 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bank and Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers & Merchants Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 82.4% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Northwest Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 20.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| VERITAS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
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 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Harnett County
18 FDIC-insured branches from 9 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Truist Bank | 4 | $360.9 million |
| First Federal Bank | 4 | $171.7 million |
| First Bank | 3 | $368.2 million |
| First-Citizens Bank & Trust Company | 2 | $272.1 million |
| The Fidelity Bank | 1 | $94.4 million |
| PNC Bank, National Association | 1 | $91.7 million |
| KS Bank, Inc. | 1 | $52.7 million |
| The First Bank and Trust Company | 1 | $33.5 million |
| Woodforest National Bank | 1 | $4.3 million |
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When the next year’s lending figures are out for Harnett 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.