Home purchase lenders in Harnett County
3,554 home purchase mortgages were made in Harnett County, North Carolina, in 2025, by 267 lenders. The median rate their borrowers got was 6.250% on a median loan of $305,000. Of 4,155 decisions, 471 were denials — 11.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 179 | 4.990% | $335,000 | 20.9% |
| Mortgage Research Center, LLC | 171 | 6.250% | $315,000 | 5.5% |
| STATE EMPLOYEES' | 164 | 5.825% | $255,000 | 13.0% |
| MOVEMENT MORTGAGE, LLC | 157 | 6.250% | $275,000 | 3.9% |
| NFM, INC. | 157 | 6.250% | $315,000 | 2.4% |
| Loandepot.Com, LLC | 116 | 5.500% | $295,000 | 18.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 116 | 6.434% | $265,000 | 9.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 101 | 6.625% | $305,000 | 1.0% |
| JET HOMELOANS, LP | 99 | 4.990% | $345,000 | 0.0% |
| Towne Bank | 88 | 5.375% | $375,000 | 2.2% |
| Navy Federal Credit Union | 87 | 6.000% | $305,000 | 3.3% |
| KBHS HOME LOANS, LLC | 84 | 5.750% | $320,000 | 9.6% |
| Rocket Mortgage, LLC | 83 | 6.375% | $285,000 | 5.6% |
| NVR Mortgage Finance, Inc. | 69 | 6.125% | $295,000 | 17.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 64 | 8.750% | $170,000 | 58.5% |
| MATTAMY HOME FUNDING, LLC | 64 | 5.125% | $315,000 | 4.5% |
| FREEDOM MORTGAGE CORPORATION | 62 | 6.250% | $335,000 | 6.1% |
| CORNERSTONE CAPITAL BANK, SSB | 58 | 5.750% | $295,000 | 0.0% |
| LENNAR MORTGAGE, LLC | 52 | 4.250% | $245,000 | 24.3% |
| Heritage Mortgage, LLC | 50 | 6.250% | $310,000 | 0.0% |
| Truist Bank | 49 | 6.250% | $255,000 | 10.9% |
| GUILD MORTGAGE COMPANY | 47 | 6.250% | $265,000 | 3.7% |
| FIRST HOME MORTGAGE CORPORATION | 45 | 6.500% | $325,000 | 4.3% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 44 | 6.250% | $225,000 | 0.0% |
| American Security Mortgage Corp. | 40 | 6.313% | $305,000 | 0.0% |
| Taylor Morrison Home Funding, Inc. | 39 | 5.625% | $285,000 | 13.3% |
| FBC MORTGAGE, LLC | 38 | 5.558% | $375,000 | 5.0% |
| UNION HOME MORTGAGE CORP. | 35 | 6.313% | $305,000 | 5.3% |
| Fairway Independent Mortgage Corporation | 34 | 6.625% | $235,000 | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 33 | 6.250% | $395,000 | 0.0% |
| Broker Solutions, Inc. | 32 | 6.688% | $265,000 | 0.0% |
| GUARANTEED RATE, INC. | 28 | 6.250% | $285,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 28 | 6.188% | $310,000 | 6.7% |
| Alcova Mortgage LLC | 27 | 6.375% | $325,000 | 6.5% |
| Wells Fargo Bank, National Association | 24 | 6.188% | $270,000 | 22.6% |
| FIRST EQUITY MORTGAGE INCORPORATED | 23 | 6.375% | $475,000 | 8.0% |
| USAA Federal Savings Bank | 22 | 6.313% | $325,000 | 42.1% |
| THE LOAN STORE, INC. | 21 | 6.625% | $195,000 | 4.4% |
| Primis Mortgage Company | 21 | 6.875% | $315,000 | 0.0% |
| First-Citizens Bank & Trust Company | 20 | 6.125% | $245,000 | 16.7% |
| CMG MORTGAGE, INC. | 20 | 6.000% | $370,000 | 0.0% |
| COASTAL Federal Credit Union | 20 | 6.438% | $415,000 | 4.8% |
| EQUITY RESOURCES, INC. | 18 | 6.875% | $305,000 | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 17 | 7.750% | $325,000 | 0.0% |
| GoPrime Mortgage, Inc. | 17 | 6.250% | $295,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 16 | 6.563% | $305,000 | 5.9% |
| First Federal Bank | 16 | Not published | $430,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 15 | 6.250% | $345,000 | 5.3% |
| United Community Bank | 15 | 6.750% | $385,000 | 6.3% |
| T2 FINANCIAL LLC | 15 | 6.625% | $305,000 | 0.0% |
| First Bank | 15 | 6.625% | $345,000 | 6.3% |
| Fifth Third Bank, National Association | 14 | 5.938% | $435,000 | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 14 | 6.750% | $145,000 | 0.0% |
| Kiavi Funding, Inc. | 13 | 9.950% | $175,000 | 7.1% |
| North State Bank | 13 | 6.500% | $305,000 | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 12 | 6.813% | $260,000 | 0.0% |
| KIND LENDING, LLC | 12 | 6.870% | $295,000 | 29.4% |
| Prosperity Home Mortgage, LLC | 12 | 6.313% | $315,000 | 7.7% |
| KEYSTONE FUNDING, INC. | 12 | 6.058% | $270,000 | 7.7% |
| The Central Trust Bank | 12 | 6.688% | $280,000 | 7.7% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 11 | 6.750% | $255,000 | 8.3% |
| NEWREZ LLC | 11 | 6.250% | $295,000 | 8.3% |
| NATIONSTAR MORTGAGE LLC | 11 | 6.490% | $335,000 | 0.0% |
| 21st Mortgage Corporation | 10 | 10.270% | $120,000 | 72.9% |
| U.S. Bank National Association | 10 | 6.250% | $325,000 | 9.1% |
| First National Bank of Pennsylvania | 10 | 6.625% | $340,000 | 16.7% |
| Presidential Bank, FSB | 10 | 6.563% | $275,000 | 9.1% |
| LIMA ONE CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LATINO COMMUNITY CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Click n' Close, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 11.1% |
| The Fidelity Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 7 | Under 10 loans | Under 10 loans | 12.5% |
| EMM LOANS LLC | 7 | Under 10 loans | Under 10 loans | 20.0% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AgCarolina Farm Credit, FLCA | 6 | Under 10 loans | Under 10 loans | 11.1% |
| GENWAY HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PNC Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| REPUBLIC STATE MORTGAGE CO. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 11.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| C & F Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| 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% |
| KS BANK, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 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% |
| Manufacturers and Traders Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 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% |
| 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% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TOWNE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER 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% |
| 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% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900YZ174H294JW398 | 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% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 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% |
| Renasant Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| University 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% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 82.4% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORPORATE INVESTORS MORTGAGE GROUP, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESOURCE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST BANCORP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RAPID MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAFMAA Mortgage Services LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, 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 67 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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. 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.