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Mortgage Lenders in North Carolina

139 mortgage lenders listed across 29 cities in North Carolina.

Mortgage Lenders in North Carolina by the numbers

Of the 66 mortgage lenders in North Carolina that publish their loan programs, 47 (71%) offer conventional loans, 43 (65%) offer VA loans and 40 (61%) offer FHA loans.

Conventional loans47 of 66 (71%)
VA loans43 of 66 (65%)
FHA loans40 of 66 (61%)
Jumbo loans32 of 66 (48%)
USDA loans31 of 66 (47%)
First-time buyer programs30 of 66 (45%)
Reverse mortgages22 of 66 (33%)
Renovation and 203(k) loans16 of 66 (24%)
HELOCs and home equity loans13 of 66 (20%)
Construction loans11 of 66 (17%)
Down payment assistance9 of 66 (14%)
Physician loans8 of 66 (12%)
  • 15
    advertise 3.5% down or less, including 12 with a 0% down option (typically VA or USDA)
  • 500
    lowest advertised minimum credit score; 5 lenders accept 580 or lower
  • 22 / 2
    licensed in one state only / licensed nationwide (of 47 with licensing data)

Source: FindHomeLenders review of each lender's own website, data through July 2025. Counts cover the 66 of 139 listed mortgage lenders that publish loan program details. Programs and requirements change, so confirm with the lender and check their NMLS ID before applying.

Mortgage Lenders by city in North Carolina

Featured mortgage lenders in North Carolina

Pick a city above to see every mortgage lender listed there.

Before you choose a mortgage lender in North Carolina

Confirm the company is licensed in North Carolina on NMLS Consumer Access, then request a Loan Estimate from at least three lenders and compare APR and closing costs, not just the rate.

Our guide to finding a mortgage lender walks through each step.