Refinancing lenders in Randolph County
447 refinancing mortgages were made in Randolph County, North Carolina, in 2025, by 113 lenders. The median rate their borrowers got was 6.250% on a median loan of $185,000. Of 659 decisions, 172 were denials — 26.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| STATE EMPLOYEES' | 57 | 6.500% | $95,000 | 33.7% |
| Truliant Federal Credit Union | 49 | 7.250% | $105,000 | 38.3% |
| Rocket Mortgage, LLC | 40 | 5.990% | $195,000 | 25.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 38 | 5.625% | $255,000 | 11.1% |
| FREEDOM MORTGAGE CORPORATION | 29 | 6.250% | $265,000 | 0.0% |
| Truist Bank | 23 | 7.100% | $105,000 | 21.9% |
| PENNYMAC LOAN SERVICES, LLC | 18 | 5.875% | $275,000 | 9.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 12 | 6.125% | $245,000 | 6.3% |
| Pinnacle Bank | 11 | 6.950% | $185,000 | 14.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 10 | 6.240% | $215,000 | 0.0% |
| First National Bank of Pennsylvania | 10 | 6.390% | $155,000 | 41.2% |
| First-Citizens Bank & Trust Company | 10 | 6.695% | $105,000 | 26.7% |
| First Bank | 10 | 7.500% | $195,000 | 16.7% |
| PNC Bank, National Association | 9 | Under 10 loans | Under 10 loans | 40.0% |
| NEWREZ LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| The Fidelity Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 61.5% |
| AMERIHOME MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bank OZK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Alcova Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Loandepot.Com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 40.0% |
| First Horizon Bank | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Uwharrie Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AgSouth Farm Credit, ACA | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Wolfe Financial, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Union Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Piedmont Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST BANCORP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SKYLA FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AgFirst Farm Credit Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUILD MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| EQUITY RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LOCAL GOVERNMENT | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CANOPY MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Cornerstone First Mortgage, Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| THE LOAN STORE, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| REPUBLIC STATE MORTGAGE CO. | 0 | Under 10 loans | Under 10 loans | Not published |
| Strong Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Southern Bank and Trust Company | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 0 | Under 10 loans | Under 10 loans | Not published |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Third Federal Savings and Loan Association of Cleveland | 0 | Under 10 loans | Under 10 loans | Not published |
| Publix Employees Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| MLD MORTGAGE INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Paramount Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| CONSUMER REAL ESTATE FINANCE CO. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| INTELLILOAN, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | 0.0% |
| VICTORIAN FINANCE, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GoodLeap, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| RELIANCE FIRST CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| JPMorgan Chase Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| SayGO Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Ameris Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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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.