Best North Carolina Mortgage Lenders of 2026
U.S. News’ Best North Carolina Mortgage Lenders
| Lender | Min. Down Payment | Closing Timeline | Mortgage Rates | U.S. News Rating | Learn More |
|---|---|---|---|---|---|
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Similar to industry average |
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Less than industry average |
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Similar to industry average |
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Less than industry average |
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Less than industry average |
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Less than industry average |
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Less than industry average |
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Less than industry average |
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Less than industry average |
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Lenders in More Detail
Better
| Conventional Min Credit Score | 580 |
| Min Down Payment | 3% |
| Mortgage Rates | Less than industry average |
| States of Operation | 50 |
Wells Fargo
| Conventional Min Credit Score | Not Disclosed |
| Min Down Payment | 3% |
| Mortgage Rates | Less than industry average |
| States of Operation | 51 |
Bank of America
| Conventional Min Credit Score | Not Disclosed |
| Min Down Payment | 3% |
| Mortgage Rates | Less than industry average |
| States of Operation | 50 |
First Federal Bank
| Conventional Min Credit Score | 620 |
| Min Down Payment | 3% |
| Mortgage Rates | Less than industry average |
| States of Operation | 50 |
New American Funding
| Conventional Min Credit Score | 620 |
| Min Down Payment | 3% |
| Mortgage Rates | Similar to industry average |
| States of Operation | 51 |
PNC Bank
| Conventional Min Credit Score | 620 |
| Min Down Payment | 3% |
| Mortgage Rates | Less than industry average |
| States of Operation | 51 |
Rocket Mortgage
| Conventional Min Credit Score | 620 |
| Min Down Payment | 1% |
| Mortgage Rates | Less than industry average |
| States of Operation | 50 |
Truist Bank
| Conventional Min Credit Score | Not Disclosed |
| Min Down Payment | 3% |
| Mortgage Rates | Less than industry average |
| States of Operation | 50 |
West Capital Lending
| Conventional Min Credit Score | 620 |
| Min Down Payment | 3% |
| Mortgage Rates | Rates not advertised |
| States of Operation | 44 |









