Refinancing lenders in Wake County
6,051 refinancing mortgages were made in Wake County, North Carolina, in 2025, by 380 lenders. The median rate their borrowers got was 6.125% on a median loan of $355,000. Of 7,844 decisions, 1,474 were denials — 18.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,281 | 5.999% | $495,000 | 7.4% |
| STATE EMPLOYEES' | 659 | 6.500% | $135,000 | 27.8% |
| Rocket Mortgage, LLC | 317 | 5.990% | $385,000 | 13.8% |
| First-Citizens Bank & Trust Company | 299 | 6.490% | $245,000 | 22.6% |
| COASTAL Federal Credit Union | 291 | 7.400% | $155,000 | 25.5% |
| PENNYMAC LOAN SERVICES, LLC | 197 | 6.124% | $385,000 | 8.1% |
| Truist Bank | 180 | 6.033% | $185,000 | 38.1% |
| FREEDOM MORTGAGE CORPORATION | 163 | 6.000% | $385,000 | 5.0% |
| First National Bank of Pennsylvania | 140 | 6.250% | $305,000 | 34.9% |
| PNC Bank, National Association | 115 | 7.000% | $175,000 | 16.0% |
| Bank of America, National Association | 113 | 5.990% | $205,000 | 31.6% |
| MOVEMENT MORTGAGE, LLC | 82 | 6.125% | $420,000 | 1.1% |
| CMG MORTGAGE, INC. | 77 | 6.125% | $495,000 | 2.4% |
| Fifth Third Bank, National Association | 75 | 7.750% | $255,000 | 38.2% |
| Third Federal Savings and Loan Association of Cleveland | 73 | 6.990% | $175,000 | 27.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 61 | 6.125% | $465,000 | 0.0% |
| NEWREZ LLC | 56 | 5.990% | $445,000 | 28.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 53 | 6.000% | $435,000 | 3.6% |
| Prosperity Home Mortgage, LLC | 46 | 6.125% | $420,000 | 8.0% |
| JPMorgan Chase Bank, National Association | 44 | 5.875% | $350,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 44 | 6.000% | $310,000 | 9.8% |
| LANGLEY Federal Credit Union | 44 | 4.990% | $535,000 | 10.2% |
| The Fidelity Bank | 42 | 7.500% | $305,000 | 23.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | 40 | 5.750% | $365,000 | 1.6% |
| General Mortgage Capital Corporation | 40 | 6.313% | $325,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 37 | 5.990% | $385,000 | 59.1% |
| THE LOAN STORE, INC. | 37 | 6.490% | $265,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 34 | 5.875% | $465,000 | 2.6% |
| Fairway Independent Mortgage Corporation | 31 | 6.250% | $405,000 | 8.6% |
| GUARANTEED RATE, INC. | 30 | 6.020% | $460,000 | 0.0% |
| Loandepot.Com, LLC | 30 | 5.990% | $445,000 | 13.9% |
| Citizens Bank, National Association | 29 | 7.400% | $195,000 | 25.6% |
| Towne Bank | 28 | 6.750% | $405,000 | 11.8% |
| United Community Bank | 28 | 6.500% | $185,000 | 21.6% |
| CORPORATE INVESTORS MORTGAGE GROUP, INC | 27 | 6.490% | $455,000 | 6.9% |
| Mortgage Research Center, LLC | 25 | 5.875% | $465,000 | 53.7% |
| Navy Federal Credit Union | 24 | 5.813% | $395,000 | 27.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 23 | 6.250% | $385,000 | 0.0% |
| First Bank | 23 | 6.500% | $475,000 | 11.1% |
| UNION HOME MORTGAGE CORP. | 22 | 5.875% | $385,000 | 8.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 19 | 6.125% | $535,000 | 4.8% |
| CAPITAL CENTER, L.L.C. | 19 | 6.000% | $465,000 | 5.0% |
| American Security Mortgage Corp. | 19 | 6.000% | $435,000 | 0.0% |
| PHH Mortgage Corporation | 18 | 5.990% | $410,000 | 18.2% |
| PENTAGON FEDERAL CREDIT UNION | 18 | 7.688% | $285,000 | 45.5% |
| NATIONSTAR MORTGAGE LLC | 18 | 6.063% | $305,000 | 4.6% |
| North State Bank | 18 | 6.250% | $485,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 17 | 7.375% | $585,000 | 0.0% |
| HOMESTEAD FUNDING CORP. | 16 | 5.813% | $405,000 | 0.0% |
| EQUITY RESOURCES, INC. | 15 | 6.125% | $425,000 | 11.8% |
| A&D Mortgage LLC | 15 | 5.990% | $425,000 | 0.0% |
| Discover Bank | 14 | 8.995% | $155,000 | 64.1% |
| Wells Fargo Bank, National Association | 14 | 5.735% | $525,000 | 17.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 14 | 6.375% | $320,000 | 17.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 14 | 5.750% | $390,000 | 5.9% |
| FINANCE OF AMERICA REVERSE LLC | 14 | 6.000% | $230,000 | 6.7% |
| PLANET HOME LENDING, LLC | 13 | 5.990% | $365,000 | 30.0% |
| Lendage, LLC | 13 | 11.500% | $75,000 | 27.8% |
| NBKC BANK | 12 | 6.000% | $410,000 | 31.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 12 | 5.990% | $405,000 | 7.7% |
| MILEND, INC. | 11 | 6.500% | $235,000 | 35.3% |
| First Horizon Bank | 11 | 7.270% | $225,000 | 23.5% |
| T2 FINANCIAL LLC | 11 | 6.500% | $415,000 | 7.7% |
| GoPrime Mortgage, Inc. | 11 | 6.624% | $355,000 | 8.3% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 11 | 5.875% | $365,000 | 0.0% |
| Alcova Mortgage LLC | 11 | 6.125% | $365,000 | 0.0% |
| SouthState Bank, National Association | 11 | 5.750% | $405,000 | 8.3% |
| TD Bank, National Association | 11 | 7.110% | $345,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 10 | 5.813% | $445,000 | 41.2% |
| U.S. Bank National Association | 10 | 6.500% | $315,000 | 28.6% |
| Northpointe Bank | 10 | 6.063% | $525,000 | 0.0% |
| Broker Solutions, Inc. | 9 | Under 10 loans | Under 10 loans | 40.0% |
| SOUTH RIVER MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 16.7% |
| FIRST HOME MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| First Heritage Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 8 | Under 10 loans | Under 10 loans | 33.3% |
| United Nations Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 42.9% |
| LADERA LENDING, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| RESOURCE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 7 | Under 10 loans | Under 10 loans | 30.0% |
| SPRING EQ, LLC | 7 | Under 10 loans | Under 10 loans | 53.3% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 36.4% |
| LOCAL GOVERNMENT | 7 | Under 10 loans | Under 10 loans | 36.4% |
| GUIDANCE RESIDENTIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Southern Bank and Trust Company | 7 | Under 10 loans | Under 10 loans | 12.5% |
| V.I.P. MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Regions Bank | 6 | Under 10 loans | Under 10 loans | 45.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| R T P Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ROYAL UNITED MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| NexBank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Southern First Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 33.3% |
| GUILD MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Truliant Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 44.4% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Empeople Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Filo Mortgage, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| HomeTrust Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ALLEGACY FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Carolina Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED PREMIER FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Piedmont Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Benchmark Community Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CAROLINAS TELCO FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| REPUBLIC STATE MORTGAGE CO. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CENTURY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 40.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 40.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 60.0% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| State Department Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CORNERSTONE CAPITAL BANK, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Oconee State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FEDERATED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROPONENT Federal Credit Union | 2 | 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 180 lenders each made 2 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.