The Lenders Community Survey gathers homeowners feedback and 95 lenders recommendations for North Carolina home refinance shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: April 8, 2025
<< Human Powered Recommendations >>
North Carolina Top Lenders for Home Refinance Loans
Charlottes, Raleigh, Greensboro, Durham, Winston-Salem, Fayetteville, Cary, Wilmington, High Point, Concord, Online lenders.
Recommendations are gathered from 1,285 North Carolina local members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- – Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for North Carolina Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for North Carolina Homeowners.
Charlotte – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Charlotte’s area are Bank of America, Truist Bank and Wells Fargo.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Bank of America | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Truist Bank | Bank | 4.0 | 3.5 | 4.0 | 82% |
| Wells Fargo | Bank | 3.5 | 4.0 | 3.5 | 80% |
| First Citizens Bank | Bank | 4.0 | 3.5 | 4.0 | 78% |
| Ally Bank | Bank | 4.5 | 4.0 | 3.5 | 77% |
| State Employees’ Credit Union (SECU) | Credit Union | 3.5 | 4.0 | 4.0 | 75% |
| Coastal Credit Union | Credit Union | 4.0 | 3.5 | 3.5 | 73% |
| Fifth Third Bank | Bank | 3.5 | 3.5 | 3.5 | 70% |
| Local Government FCU (LGFCU) | Credit Union | 3.5 | 3.5 | 3.5 | 68% |
| Park National Bank | Community Bank | 3.5 | 3.0 | 3.5 | 65% |
Raleigh – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Raleigh’s area are State Employees’ Credit Union (SECU), Truist Bank and First Citizens Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| State Employees’ Credit Union (SECU) | Credit Union | 4.0 | 4.5 | 4.5 | 88% |
| Truist Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| First Citizens Bank | Bank | 4.0 | 4.0 | 4.0 | 83% |
| Wells Fargo | Bank | 3.5 | 4.0 | 3.5 | 80% |
| Bank of America | Bank | 3.5 | 4.0 | 3.5 | 78% |
| Coastal Credit Union | Credit Union | 4.0 | 3.5 | 4.0 | 75% |
| Local Government FCU (LGFCU) | Credit Union | 3.5 | 3.5 | 4.0 | 72% |
| First National Bank | Community Bank | 3.5 | 3.5 | 3.5 | 70% |
| PNC Bank | Bank | 3.5 | 3.5 | 3.0 | 68% |
| First Heritage Mortgage | Community Bank | 3.5 | 3.0 | 3.5 | 65% |
Greensboro – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Greensboro’s area are State Employees’ Credit Union (SECU), Truist Bank and First Citizens Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| State Employees’ Credit Union (SECU) | Credit Union | 4.5 | 4.5 | 4.5 | 90% |
| Truist Bank | Bank | 4.0 | 4.0 | 4.0 | 86% |
| First Citizens Bank | Bank | 4.0 | 4.0 | 4.0 | 84% |
| Bank of America | Bank | 4.0 | 3.5 | 4.0 | 82% |
| Wells Fargo | Bank | 3.5 | 4.0 | 3.5 | 80% |
| NewBridge Bank | Community Bank | 4.0 | 3.5 | 4.0 | 78% |
| Coastal Credit Union | Credit Union | 4.0 | 3.5 | 3.5 | 75% |
| Local Government FCU (LGFCU) | Credit Union | 3.5 | 3.5 | 4.0 | 73% |
| BB&T (Now Truist) | Bank | 3.5 | 3.5 | 3.5 | 70% |
| Piedmont Federal Savings Bank | Community Bank | 3.5 | 3.0 | 3.5 | 68% |
Durham – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Durham’s area are State Employees’ Credit Union (SECU), First Citizens Bank and Truist Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| State Employees’ Credit Union (SECU) | Credit Union | 4.5 | 4.5 | 4.5 | 89% |
| First Citizens Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Truist Bank | Bank | 4.0 | 4.0 | 4.0 | 84% |
| Bank of America | Bank | 3.5 | 4.0 | 3.5 | 82% |
| Wells Fargo | Bank | 3.5 | 4.0 | 3.5 | 80% |
| Coastal Credit Union | Credit Union | 4.0 | 3.5 | 4.0 | 78% |
| PNC Bank | Bank | 3.5 | 3.5 | 3.5 | 75% |
| Local Government FCU (LGFCU) | Credit Union | 3.5 | 3.5 | 4.0 | 73% |
| Piedmont Federal Savings Bank | Community Bank | 3.5 | 3.0 | 3.5 | 70% |
| NewBridge Bank | Community Bank | 3.5 | 3.0 | 3.5 | 68% |
Winston-Salem – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Winston-Salem’s area are Truist Bank, First Citizens Bank and State Employees’ Credit Union (SECU).
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Truist Bank | Bank | 4.5 | 4.5 | 4.5 | 89% |
| First Citizens Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| State Employees’ Credit Union (SECU) | Credit Union | 4.0 | 4.0 | 4.0 | 84% |
| First Bank | Community Bank | 4.0 | 3.5 | 4.0 | 82% |
| Bank of America | Bank | 3.5 | 4.0 | 3.5 | 80% |
| Wells Fargo | Bank | 3.5 | 4.0 | 3.5 | 78% |
| Members Credit Union | Credit Union | 4.0 | 3.5 | 3.5 | 75% |
| Fairway Independent Mortgage Corporation | Community Bank | 3.5 | 3.5 | 4.0 | 73% |
| Ameris Bank | Bank | 3.5 | 3.5 | 3.5 | 70% |
| Local Government FCU (LGFCU) | Credit Union | 3.5 | 3.0 | 3.5 | 68% |
Fayetteville – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Fayetteville’s area are State Employees’ Credit Union (SECU), First Citizens Bank and Bank of America.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| State Employees’ Credit Union (SECU) | Credit Union | 4.5 | 4.5 | 4.5 | 88% |
| First Citizens Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Bank of America | Bank | 4.0 | 3.5 | 4.0 | 82% |
| Truist Bank | Bank | 3.5 | 4.0 | 3.5 | 80% |
| Fort Liberty Federal Credit Union | Credit Union | 4.0 | 3.5 | 4.0 | 78% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.5 | 75% |
| PNC Bank | Bank | 3.5 | 3.5 | 3.0 | 70% |
Cary – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Cary’s area are State Employees’ Credit Union (SECU), First Citizens Bank and Bank of America.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| State Employees’ Credit Union (SECU) | Credit Union | 4.5 | 4.5 | 4.5 | 90% |
| First Citizens Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Bank of America | Bank | 4.0 | 3.5 | 4.0 | 82% |
| Truist Bank | Bank | 3.5 | 4.0 | 3.5 | 80% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.5 | 75% |
| Coastal Credit Union | Credit Union | 4.0 | 3.5 | 3.5 | 73% |
| Carolina Mortgage Authority | Community Bank | 3.5 | 3.0 | 3.5 | 70% |
Wilmington – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Wilmington’s area are First Citizens Bank, Truist Bank and Bank of America.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| First Citizens Bank | Bank | 4.5 | 4.5 | 4.5 | 88% |
| Truist Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Bank of America | Bank | 4.0 | 3.5 | 4.0 | 82% |
| State Employees’ Credit Union (SECU) | Credit Union | 4.0 | 3.5 | 4.0 | 80% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.5 | 78% |
| Coastal Credit Union | Credit Union | 4.0 | 3.5 | 3.5 | 75% |
| Piedmont Federal Savings Bank | Community Bank | 3.5 | 3.0 | 3.5 | 70% |
High Point – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in High Point’s area are Truist Bank, First Citizens Bank and State Employees’ Credit Union (SECU).
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Truist Bank | Bank | 4.5 | 4.5 | 4.5 | 89% |
| First Citizens Bank | Bank | 4.0 | 4.0 | 4.0 | 86% |
| State Employees’ Credit Union (SECU) | Credit Union | 4.0 | 4.0 | 4.0 | 85% |
| Bank of America | Bank | 4.0 | 3.5 | 4.0 | 82% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.5 | 78% |
| Piedmont Federal Savings Bank | Community Bank | 3.5 | 3.5 | 3.5 | 75% |
| NewBridge Bank | Community Bank | 3.5 | 3.0 | 3.5 | 70% |
Concord – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Concord’s area are First Citizens Bank, Truist Bank and Bank of America.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| First Citizens Bank | Bank | 4.5 | 4.5 | 4.5 | 88% |
| Truist Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Bank of America | Bank | 4.0 | 3.5 | 4.0 | 82% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.5 | 78% |
| State Employees’ Credit Union (SECU) | Credit Union | 4.0 | 3.5 | 4.0 | 75% |
| Piedmont Federal Savings Bank | Community Bank | 3.5 | 3.5 | 3.5 | 72% |
| Local Government FCU (LGFCU) | Credit Union | 3.5 | 3.0 | 3.5 | 70% |
North Carolina Best Online Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended online refinance lenders in North Carolina are Rocket Mortgage, Better Mortgage and New American Funding.
| Lenders | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $50k-$3M | 6.66%-7.03% | 10-30 years | 4.5 | 4.0 | 4.0 | 89% |
| Better Mortgage | $100k-$2M | 6.43%-7.13% | 15-30 years | 4.5 | 4.0 | 3.5 | 85% |
| New American Funding | $50k-$3M | 6.77%-7.41% | 10-30 years | 4.0 | 4.0 | 4.0 | 84% |
| AmeriSave | $50k-$3M | 6.57%-7.23% | 15-30 years | 4.0 | 3.5 | 3.5 | 80% |
| NBKC Bank | $100k-$2.5M | 6.89%-7.13% | 15-30 years | 4.0 | 3.5 | 3.5 | 78% |
| Farmers Bank of Kansas City | $100k-$2M | 6.57%-7.23% | 15-30 years | 3.5 | 3.5 | 3.5 | 75% |
| Ally Bank | $50k-$3M | 6.77%-7.41% | 10-30 years | 4.0 | 3.5 | 3.0 | 72% |
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