Mortgage Lenders and Brokers in East Spencer, North Carolina
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
East Spencer, North Carolina mortgage lenders include State Employees' Credit UnionState Employees' Credit Union1125 ACADEMY ST N, AHOSKIE, NC 27910A-5.0 ★Texas Ratio: 14.13%, First National Bank of PAFirst National Bank of PA303 S Salem St, Apex, NC 27502A+5.0 ★Texas Ratio: 1.62%, Pinnacle BankPinnacle Bank103 N 2nd St, Albemarle, NC 28001A+5.0 ★Texas Ratio: 3.04%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust351 N 1st St, Albemarle, NC 28001A5.0 ★Texas Ratio: 7.72%, First BankFirst Bank105 S Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 1.94%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1007 Beaver Creek Commons Dr, Apex, NC 27502A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA5496 Apex Peakway, Apex, NC 27502A+5.0 ★Texas Ratio: 4.14%, Truist BankTruist Bank1803 N Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 2.87%, Fifth Third Bank, National AssociationFifth Third Bank, National Association1121 Moncure Place, Apex, NC 27523A+5.0 ★Texas Ratio: 3.22%, and Huntington National BankHuntington National Bank101 S Tryon St, Charlotte, NC 28280A+5.0 ★Texas Ratio: 3.66%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in East Spencer, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in East Spencer are listed first, then lenders elsewhere in North Carolina, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in East Spencer, North Carolina
Market share is the lender's share of all home loans closed in East Spencer, North Carolina. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1125 ACADEMY ST N, AHOSKIE, NC 27910 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 7 +7 HELOCs |
4.3% | 57.1% | $379,285 | View |
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303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 5 +1 HELOCs |
3% | 100% | $115,000 | View |
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103 N 2nd St, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 3.04% |
Conventional, HELOC | 3 +1 HELOCs |
1.8% | 100% | $311,666 | View |
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351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
1.8% | 100% | $328,333 | View |
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105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94% |
Conventional | 3 | 1.8% | 75% | $435,000 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1.2% | 100% | $205,000 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +2 HELOCs |
0.6% | 100% | $605,000 | View |
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★ 1 stars, 1 review 1803 N Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +2 HELOCs |
0.6% | 100% | $295,000 | View |
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1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $215,000 | View |
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101 S Tryon St, Charlotte, NC 28280 A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo | 1 | 0.6% | 100% | $865,000 | View |
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800 Highway 24 27 Bypass, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 0.72% |
Conventional | 1 | 0.6% | 100% | $455,000 | View |
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116 N Main St, China Grove, NC 28023 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.6% | 100% | $295,000 | View |
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1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43% |
Conventional | 1 | 0.6% | 100% | $55,000 | View |
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5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.6% | 33.3% | $135,000 | View |
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★ 5 stars, 1 review 192 E Woodrow Ave, Belmont, NC 28012 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 1 | 0.6% | 100% | $355,000 | View |
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335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 1 | 0.6% | 100% | $755,000 | View |
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804 E Williams St, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.02% |
HELOC | 0 +2 HELOCs |
0% | 100% | View | |
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148 Charlotte St, Asheville, NC 28801 1923 A5.0 ★Texas Ratio: 9.56% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
American Security Mortgage Cor
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Conventional | 2 | 1.2% | 100% | $195,000 | |
Rocket Mortgage
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Conventional, FHA | 14 | 8.5% | 56% | $200,000 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 14 | 8.5% | 100% | $270,714 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 10 | 6.1% | 76.9% | $286,000 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA | 9 | 5.5% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, FHA | 7 | 4.3% | 87.5% | $317,857 | View |
Fairway Independent Mort Corp
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Conventional, FHA | 5 | 3% | 83.3% | $159,000 | |
Mortgage Research Center
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VA | 4 | 2.4% | 66.7% | $262,500 | |
New American Funding, LLC.
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Conventional, FHA | 4 | 2.4% | 100% | $260,000 | |
American Financial Resources LLC
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FHA | 3 | 1.8% | 100% | $191,666 | |
Envoy Mortgage, Ltd
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Conventional, FHA | 3 | 1.8% | 100% | $258,333 | |
loanDepot.com LLC
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Conventional, FHA, VA | 3 | 1.8% | 60% | $225,000 | |
Guild Mortgage Company
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Conventional, VA | 3 | 1.8% | 100% | $368,333 | |
Atlantic Coast Mortgage, LLC
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Conventional, FHA | 2 | 1.2% | 100% | $115,000 | |
Newrez LLC
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Conventional, FHA | 2 | 1.2% | 66.7% | $200,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 1.2% | 100% | $260,000 | |
Howard Hanna Financial Services, Inc
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Conventional, FHA | 2 | 1.2% | 100% | $215,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 2 | 1.2% | 100% | $330,000 | |
Union Home Mortgage Corp.
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Conventional, VA | 2 | 1.2% | 100% | $205,000 | |
New Story Lending LLC
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Conventional, FHA | 2 | 1.2% | 100% | $115,000 | |
Nationstar Mortgage
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Conventional, VA | 2 | 1.2% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 3.58% |
Conventional | 2 | 1.2% | 100% | $230,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 2 | 1.2% | 66.7% | $240,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 1.2% | 66.7% | $160,000 | |
Village Capital & Investment
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VA | 2 | 1.2% | 100% | $340,000 | |
Polaris Home Funding Corp.
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FHA | 1 | 0.6% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.6% | 100% | $485,000 | View |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.6% | 100% | $215,000 | View |
Guaranteed Rate Affinity, LLC
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VA | 1 | 0.6% | 100% | $415,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.6% | 100% | $195,000 | |
Freedom Mortgage Corporation
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VA | 1 | 0.6% | 100% | $295,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.6% | 100% | $165,000 | |
Kind Lending, LLC
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USDA | 1 | 0.6% | 100% | $295,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 1 | 0.6% | 100% | $195,000 | View |
Filo Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $395,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.6% | 25% | $95,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.6% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.6% | 100% | $235,000 | View |
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A5.0 ★Texas Ratio: 8.47% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,285,000 | View |
Discover Bank
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Conventional | 1 | 0.6% | 100% | $105,000 | |
Credit Union Mortgage Associat
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Conventional | 1 | 0.6% | 100% | $525,000 | |
VanDyk Mortgage Corporation
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FHA | 1 | 0.6% | 100% | $485,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional, Jumbo | 1 | 0.6% | 100% | $945,000 | |
Nfm, Inc
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Conventional | 1 | 0.6% | 100% | $235,000 | |
New Day Financial, LLC.
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VA | 1 | 0.6% | 100% | $215,000 | |
T2 Financial LLC
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Conventional | 1 | 0.6% | 100% | $225,000 | |
Saygo Home Loans, LLC
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VA | 1 | 0.6% | 100% | $475,000 | |
Bayer Hfcu
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Conventional, Jumbo | 1 | 0.6% | 100% | $855,000 | |
Towne Mortgage Company
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Conventional | 1 | 0.6% | 100% | $245,000 | |
Jams-01 Inc dba Home Savings & Trust Mortgage
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Conventional | 1 | 0.6% | 100% | $205,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.6% | 100% | $65,000 | |
Sharonview Federal CU
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
East Spencer Mortgage Rate Trends
Daily average mortgage rates for North Carolina compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in East Spencer, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in East Spencer? The list below shows the banks, credit unions and mortgage brokers that closed home loans in East Spencer in 2025, with lenders based there listed first.
Types of Mortgage Lenders in East Spencer, NC
Use these to narrow the list above. Each category shows how many East Spencer, NC lenders fit and what that kind of lender is usually best for.
Who Lends in East Spencer, NC
Independent mortgage companies closed 69.5 percent of home loans in East Spencer, North Carolina in 2025, banks 22 percent and credit unions 8.5 percent. American Security Mortgage Cor was the largest mortgage company, First National Bank of PA the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, State Employees' Credit Union led with 7 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
An attorney must handle the closing in North Carolina. State excise (transfer) tax of $1 per $500 of price, customarily paid by the seller, plus an additional 1 percent land transfer tax in seven northeastern counties (Camden, Chowan, Currituck, Dare, Pasquotank, Perquimans, Washington); no mortgage recording tax.
More North Carolina Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in East Spencer, NC
By home loans closed in 2025, State Employees' Credit Union was the largest mortgage lender in East Spencer, North Carolina with 7 loans, about 4.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
22 lenders closed FHA loans in East Spencer, North Carolina in 2025, led by United Wholesale Mortgage with 4. 14 lenders closed VA loans, led by United Wholesale Mortgage, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 20 banks and 10 credit unions closed home loans in East Spencer, North Carolina in 2025, alongside 42 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in East Spencer, North Carolina during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in East Spencer, North Carolina for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up East Spencer. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
