Mortgage Lenders and Brokers in Four Oaks, 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
Four Oaks, North Carolina mortgage lenders include Ks Bank, Inc.Ks Bank, Inc.106 West Wellons Street, Four Oaks, NC 27524A+5.0 ★Texas Ratio: 1.78%, United Community BankUnited Community Bank6144 Us Highway 301 S, Four Oaks, NC 27524A+5.0 ★Texas Ratio: 2.97%, State Employees' Credit UnionState Employees' Credit Union1125 ACADEMY ST N, AHOSKIE, NC 27910A-5.0 ★Texas Ratio: 14.13%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust351 N 1st St, Albemarle, NC 28001A5.0 ★Texas Ratio: 7.72%, Truist BankTruist Bank1803 N Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 2.87%, Coastal Federal Credit UnionCoastal Federal Credit UnionOlive Chapel Village #131, Apex, NC 27502A+5.0 ★Texas Ratio: 4.34%, Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%, First National Bank of PAFirst National Bank of PA303 S Salem St, Apex, NC 27502A+5.0 ★Texas Ratio: 1.62%, Bank of America NABank of America NA5496 Apex Peakway, Apex, NC 27502A+5.0 ★Texas Ratio: 4.14%, and Fifth Third Bank, National AssociationFifth Third Bank, National Association1121 Moncure Place, Apex, NC 27523A+5.0 ★Texas Ratio: 3.22%. 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 Four Oaks, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Four Oaks 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 Four Oaks, North Carolina
Market share is the lender's share of all home loans closed in Four Oaks, 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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1 office in Four Oaks 106 West Wellons Street, Four Oaks, NC 27524 A+5.0 ★Texas Ratio: 1.78% |
Conventional | 6 | 1.3% | 85.7% | $261,666 | View |
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1 office in Four Oaks 6144 Us Highway 301 S, Four Oaks, NC 27524 A+5.0 ★Texas Ratio: 2.97% |
Conventional, USDA, HELOC | 5 +11 HELOCs |
1.1% | 71.4% | $279,000 | View |
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1125 ACADEMY ST N, AHOSKIE, NC 27910 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 39 +35 HELOCs |
8.6% | 83.7% | $267,307 | View |
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351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72% |
Conventional, FHA, HELOC | 10 +7 HELOCs |
2.2% | 76.9% | $284,000 | View |
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★ 1 stars, 1 review 1803 N Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 2.87% |
Conventional, FHA, HELOC | 7 +1 HELOCs |
1.5% | 100% | $215,000 | View |
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Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
Conventional, HELOC | 6 +4 HELOCs |
1.3% | 100% | $153,333 | |
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5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional, VA | 5 | 1.1% | 100% | $259,000 | View |
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303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 3 +1 HELOCs |
0.7% | 100% | $158,333 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 3 | 0.7% | 100% | $295,000 | View |
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1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 3 | 0.7% | 100% | $171,666 | View |
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★ 1.7 stars, 3 reviews 102 Church St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 2 +15 HELOCs |
0.4% | 100% | $275,000 | View |
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8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 0.4% | 66.7% | $230,000 | View |
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110 W Dupree St, Angier, NC 27501 A4.8 ★Texas Ratio: 5.15% |
Conventional | 2 | 0.4% | 100% | $495,000 | View |
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335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 2 | 0.4% | 100% | $90,000 | View |
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804 E Williams St, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.02% |
Conventional | 1 | 0.2% | 100% | $475,000 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 100% | $315,000 | View |
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1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.2% | 33.3% | $55,000 | 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 | 0.2% | 100% | $305,000 | View |
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1405 Bradford View Dr, Cary, NC 27519 A+5.0 ★Texas Ratio: 4.89% |
Conventional, Jumbo | 1 | 0.2% | 100% | $905,000 | View |
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1911 Hendersonville Rd, Asheville, NC 28803 A+5.0 ★Texas Ratio: 2.49% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
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104 NC 54 Ste KK, Carrboro, NC 27510 A5.0 ★Texas Ratio: 6.08% |
Conventional | 1 | 0.2% | 100% | $275,000 | View |
American Security Mortgage Cor
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Conventional, FHA, VA | 13 | 2.9% | 92.9% | $283,461 | |
Goprime Mortgage, Inc.
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Conventional, VA | 2 | 0.4% | 100% | $310,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.2% | 50% | $785,000 | |
AgCarolina Farm Credit, ACA
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Conventional | 1 | 0.2% | 100% | $375,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.2% | 100% | $285,000 | |
Corporate Investors Mortgage G
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VA | 1 | 0.2% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 3.12% |
USDA | 1 | 0.2% | 100% | $325,000 | View |
Rocket Mortgage
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Conventional, FHA, VA | 25 | 5.5% | 89.3% | $205,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 24 +1 HELOCs |
5.3% | 96% | $300,416 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 24 | 5.3% | 100% | $282,500 | |
Mattamy Home Funding LLC
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Conventional, FHA, VA | 20 | 4.4% | 95.2% | $415,000 | |
Nvr Mortgage Finance, Inc.
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Conventional, FHA, VA, USDA | 18 | 3.9% | 85.7% | $285,555 | |
Lennar Mortgage, LLC
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Conventional, FHA, VA, USDA | 17 | 3.7% | 89.5% | $319,705 | |
loanDepot.com LLC
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Conventional, FHA, VA | 15 | 3.3% | 100% | $341,000 | |
Acrisure Mortgage, LLC
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Conventional, FHA, VA, USDA | 12 | 2.6% | 85.7% | $329,166 | |
Fairway Independent Mort Corp
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Conventional, FHA | 10 | 2.2% | 100% | $231,000 | |
Freedom Mortgage Corporation
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FHA, VA | 9 | 2% | 100% | $319,444 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 8 | 1.8% | 100% | $420,000 | |
Mortgage Research Center
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VA | 8 | 1.8% | 80% | $342,500 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 7 +3 HELOCs |
1.5% | 70% | $160,714 | |
Pennymac Loan Services LLC
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FHA, VA | 7 | 1.5% | 87.5% | $275,000 | |
Guild Mortgage Company
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Conventional, FHA, VA | 7 | 1.5% | 100% | $362,142 | |
Newrez LLC
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Conventional, FHA, VA | 5 | 1.1% | 100% | $361,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA | 5 | 1.1% | 100% | $273,000 | View |
TowneBank
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Conventional, FHA, HELOC | 4 +1 HELOCs |
0.9% | 100% | $252,500 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional, FHA | 4 | 0.9% | 100% | $320,000 | View |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 4 | 0.9% | 100% | $162,500 | |
Equity Resources Inc
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FHA, VA | 3 | 0.7% | 100% | $298,333 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 3 | 0.7% | 100% | $155,000 | |
ALCOVA Mortgage, LLC
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FHA, USDA | 3 | 0.7% | 100% | $311,666 | |
Cmg Mortgage Inc
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Conventional, FHA | 3 | 0.7% | 100% | $218,333 | |
AML Funding LLC dba Absolute Mortgage & Lending
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FHA | 3 | 0.7% | 100% | $298,333 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 3 | 0.7% | 100% | $298,333 | View |
Zillow Home Loans, LLC
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Conventional | 3 | 0.7% | 100% | $175,000 | |
Lakeview Loan Servicing, LLC
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FHA, VA | 2 | 0.4% | 30% | $375,000 | |
Kind Lending, LLC
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FHA, VA | 2 | 0.4% | 66.7% | $315,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional, FHA | 2 | 0.4% | 100% | $295,000 | View |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional | 2 | 0.4% | 100% | $445,000 | View |
Ahl Funding
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FHA | 2 | 0.4% | 100% | $365,000 | |
Click n' Close, Inc.
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Conventional, FHA | 2 | 0.4% | 100% | $170,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 2 | 0.4% | 100% | $370,000 | |
Mid-Continent Funding, Inc.
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VA | 2 | 0.4% | 100% | $230,000 | |
First Heritage Mortgage, LLC
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VA | 2 | 0.4% | 100% | $335,000 | |
Nfm, Inc
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FHA | 2 | 0.4% | 100% | $245,000 | |
Atlantic Bay Mortgage Group
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Conventional, FHA | 2 | 0.4% | 100% | $290,000 | |
T2 Financial LLC
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Conventional, FHA | 2 | 0.4% | 100% | $330,000 | |
Nationstar Mortgage
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Conventional | 2 | 0.4% | 50% | $150,000 | |
Mortgage Solutions of Colorado
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FHA, VA | 2 | 0.4% | 100% | $240,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 2 | 0.4% | 100% | $195,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 2 | 0.4% | 100% | $160,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional, FHA | 2 | 0.4% | 100% | $265,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 0.4% | 15.4% | $200,000 | |
Village Capital & Investment
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FHA, VA | 2 | 0.4% | 100% | $350,000 | |
HomeBridge Financial Services, Inc
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VA, HELOC | 1 +1 HELOCs |
0.2% | 100% | $285,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $45,000 | |
Originpoint, LLC
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Conventional | 1 | 0.2% | 100% | $335,000 | |
Guaranteed Rate, Inc.
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VA | 1 | 0.2% | 100% | $705,000 | |
Primelending
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Conventional | 1 | 0.2% | 100% | $265,000 | |
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A5.0 ★Texas Ratio: 11.06% |
FHA | 1 | 0.2% | 100% | $415,000 | View |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.2% | 100% | $785,000 | |
Success Lending, LLC
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VA | 1 | 0.2% | 100% | $355,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.2% | 100% | $205,000 | |
MortgageOne, Inc
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VA | 1 | 0.2% | 100% | $455,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.2% | 100% | $345,000 | |
Resicentral LLC
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Conventional | 1 | 0.2% | 100% | $325,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.2% | 20% | $105,000 | |
Directions Equity, LLC
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VA | 1 | 0.2% | 100% | $335,000 | |
Bayshore Mortgage Funding
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Conventional | 1 | 0.2% | 100% | $195,000 | |
Quorum Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $65,000 | |
Discover Bank
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Conventional | 1 | 0.2% | 100% | $85,000 | |
Mortgage Financial Group Inc
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FHA | 1 | 0.2% | 100% | $85,000 | |
Schumacher Mortgage LLC
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FHA | 1 | 0.2% | 100% | $535,000 | |
Bay Equity LLC
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Conventional | 1 | 0.2% | 100% | $335,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $465,000 | |
Capital Center LLC
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Conventional | 1 | 0.2% | 33.3% | $265,000 | |
New Day Financial, LLC.
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VA, Jumbo | 1 | 0.2% | 100% | $845,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.2% | 100% | $155,000 | View |
Beeline Loans, Inc.
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Conventional | 1 | 0.2% | 100% | $785,000 | |
Encompass Lending Group, L.P.
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Conventional | 1 | 0.2% | 100% | $175,000 | |
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A4.7 ★Texas Ratio: 0.83% |
Conventional | 1 | 0.2% | 100% | $305,000 | View |
The Equitable Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $255,000 | |
Provident Funding Associates
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Conventional | 1 | 0.2% | 100% | $315,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.2% | 100% | $315,000 | |
Integrity Home Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $425,000 | |
Synovus Bank
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FHA | 1 | 0.2% | 100% | $415,000 | |
Pike Creek Mortgage Services, Inc.
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USDA | 1 | 0.2% | 100% | $315,000 | |
Jams-01 Inc dba Home Savings & Trust Mortgage
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USDA | 1 | 0.2% | 100% | $325,000 | |
Nations Direct Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $175,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.2% | 100% | $315,000 | |
Nationwide Mortgage Bankers, Inc.
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Conventional | 1 | 0.2% | 100% | $175,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 0.2% | 100% | $195,000 | |
21St Mortgage
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Conventional | 1 | 0.2% | 100% | $105,000 | |
Paramount Residential Mortgage
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FHA | 1 | 0.2% | 100% | $255,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.2% | 50% | $255,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.2% | 100% | $315,000 | |
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Four Oaks 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 Four Oaks, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Four Oaks? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Four Oaks in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Four Oaks, NC
Use these to narrow the list above. Each category shows how many Four Oaks, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Four Oaks, NC
Independent mortgage companies closed 70 percent of home loans in Four Oaks, North Carolina in 2025, banks 18 percent and credit unions 12.1 percent. American Security Mortgage Cor was the largest mortgage company, Ks Bank, Inc. the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, Ks Bank, Inc. led with 6 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 Four Oaks, NC
By home loans closed in 2025, Ks Bank, Inc. was the largest mortgage lender in Four Oaks, North Carolina with 6 loans, about 1.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
49 lenders closed FHA loans in Four Oaks, North Carolina in 2025, led by Rocket Mortgage with 10. 33 lenders closed VA loans, led by United Wholesale Mortgage, and 8 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. 31 banks and 7 credit unions closed home loans in Four Oaks, North Carolina in 2025, alongside 82 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 Four Oaks, 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 Four Oaks, 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 Four Oaks. 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.
