10 Best North Carolina Mortgage Lenders of 2021
If you're shopping for a mortgage in North Carolina, NerdWallet has done the research. Here are the best mortgage lenders for a variety of needs, including first-time home buyers.
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As a North Carolinian, you probably have firm ideas about which barbecue style is best. But when you shop for a mortgage, the options may leave you stumped.
Will this be your first home? Do you want to talk face to face with a mortgage lender? Do you have imperfect credit? Are you trying to refinance, or get a VA loan? NerdWallet is here to help you find the best mortgage lender in North Carolina for your needs.
As a North Carolinian, you probably have firm ideas about which barbecue style is best. But when you shop for a mortgage, the options may leave you stumped.
Will this be your first home? Do you want to talk face to face with a mortgage lender? Do you have imperfect credit? Are you trying to refinance, or get a VA loan? NerdWallet is here to help you find the best mortgage lender in North Carolina for your needs.
Best North Carolina Mortgage Lenders
Lender | NerdWallet Rating | Min. credit score | Min. down payment | Learn More |
---|---|---|---|---|
Quicken Loans: NMLS#3030 Learn more at Quicken Loans | Best for first-time home buyers | 620 | 3% | Learn more at Quicken Loans |
New American Funding: NMLS#6606 Learn more at New American Funding | Best for weaker credit | 620 | 3% | Learn more at New American Funding |
![]() Veterans United: NMLS#1907 Learn more at Veterans United | Best for veterans | 620 | 0% | Learn more at Veterans United |
![]() Guaranteed Rate: NMLS#2611 Learn more at Guaranteed Rate | Best for refinancing | 620 | N/A | Learn more at Guaranteed Rate |
![]() Bank of America: NMLS#399802 Learn more at Bank of America | Best for refinancing | 620 | N/A | Learn more at Bank of America |
![]() loanDepot: NMLS#174457 | Best for first-time home buyers | 620 | 5% | Read review |
![]() Navy Federal: NMLS#399807 | Best for veterans | N/A | 0% | Read review |
![]() BB&T (Truist): NMLS#399803 | Best for face-to-face service | 620 | 3% | Read review |
![]() PNC: NMLS#446303 | Best for face-to-face service | 620 | 3% | Read review |
![]() Carrington: NMLS#2600 | Best for weaker credit | 620 | 3% | Read review |
at Quicken Loans
Quicken Loans: NMLS#3030
Min. credit score
620Min. down payment
3%at Quicken Loans
at New American Funding
New American Funding: NMLS#6606
Min. credit score
620Min. down payment
3%at New American Funding

at Veterans United
Veterans United: NMLS#1907

Min. credit score
620Min. down payment
0%at Veterans United

at Guaranteed Rate
Guaranteed Rate: NMLS#2611

Min. credit score
620National / regional
Nationalat Guaranteed Rate

at Bank of America
Bank of America: NMLS#399802

Min. credit score
620National / regional
Nationalat Bank of America
loanDepot: NMLS#174457

Min. credit score
620Min. down payment
5%Navy Federal: NMLS#399807

National / regional
NationalMin. down payment
0%BB&T (Truist): NMLS#399803

Min. credit score
620Min. down payment
3%Carrington: NMLS#2600

Min. credit score
620Min. down payment
3%Last updated on December 1, 2021
Methodology
NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.
To recap our selections...
NerdWallet's Best North Carolina Mortgage Lenders of 2021
- Quicken Loans: Best for first-time home buyers
- New American Funding: Best for weaker credit
- Veterans United: Best for veterans
- Guaranteed Rate: Best for refinancing
- Bank of America: Best for refinancing
- loanDepot: Best for first-time home buyers
- Navy Federal: Best for veterans
- BB&T (Truist): Best for face-to-face service
- PNC: Best for face-to-face service
- Carrington: Best for weaker credit