Top 3 Mortgage Lenders in Smithfield

Coastal Credit Union stands out as one of North Carolina's most respected financial institutions with deep roots in the Triangle region. While headquartered in Raleigh, they actively serve the Smithfield area with competitive mortgage products and exceptional member service. Their mortgage team receives consistently high marks for personalized guidance through the homebuying process, competitive rates, and local underwriting expertise. As a member-owned cooperative, they prioritize customer satisfaction over profits, offering special first-time homebuyer programs and flexible loan options tailored to North Carolina residents.

First Citizens Bank brings over a century of banking experience with a strong physical presence throughout North Carolina, including branches serving the Smithfield community. Their mortgage division is particularly noted for local decision-making capabilities and construction-to-permanent loan expertise, which is valuable in Johnston County's growing market. Customers consistently praise their knowledgeable loan officers who understand the local real estate landscape and provide reliable, straightforward mortgage processing with competitive rate options for both purchase and refinance transactions.

New American Funding has established a strong regional presence in the Triangle area with a dedicated Raleigh team that actively serves Smithfield and Johnston County. They receive outstanding reviews for their diverse loan programs, including special initiatives for minority homebuyers and flexible credit requirements. Their local loan officers are praised for responsiveness and creative solutions for challenging financial situations. The company maintains its own servicing portfolio, meaning customers keep their relationship with the lender long after closing, ensuring consistent service quality and local accountability.