Mortgage Lenders and Brokers in James City, North Carolina
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
James City, 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 Ciitizens Bank and TrustFirst Ciitizens Bank and Trust351 N 1st St, Albemarle, NC 28001A5.0 ★Texas Ratio: 7.72%, First National Bank of PAFirst National Bank of PA303 S Salem St, Apex, NC 27502A+5.0 ★Texas Ratio: 1.62%, Truist BankTruist Bank1803 N Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 2.87%, Southern Bank and Trust CompanySouthern Bank and Trust Company506 Main St E, Ahoskie, NC 27910A+5.0 ★Texas Ratio: 1.13%, Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%, US Bank, N.A.US Bank, N.A.8334 Pineville Matthews Rd, Charlotte, NC 28226A+5.0 ★Texas Ratio: 2.85%, United Bank VaUnited Bank Va47560 Highway 12, Buxton, NC 27920A+5.0 ★Texas Ratio: 2.15%, First Flight Federal Credit UnionFirst Flight Federal Credit Union1815 Kildaire Farm Rd, Cary, NC 27518A+5.0 ★Texas Ratio: 3.28%, and PNC Bank N.A.PNC Bank N.A.102 Church St E, Ahoskie, NC 27910A+5.0 ★Texas Ratio: 4.24%. 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 James City, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in James City 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 James City, North Carolina
Market share is the lender's share of all home loans closed in James City, 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 |
|---|---|---|---|---|---|---|
|
1125 ACADEMY ST N, AHOSKIE, NC 27910 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 17 +10 HELOCs |
4.1% | 94.4% | $273,823 | View |
|
351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72% |
Conventional, FHA, HELOC | 16 +13 HELOCs |
3.8% | 94.1% | $438,125 | View |
|
303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 6 +1 HELOCs |
1.4% | 75% | $133,333 | View |
|
★ 1 stars, 1 review 1803 N Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo, HELOC | 3 +10 HELOCs |
0.7% | 100% | $558,333 | View |
|
506 Main St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 1.13% |
Conventional, HELOC | 3 +4 HELOCs |
0.7% | 100% | $675,000 | View |
|
5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 0.7% | 60% | $215,000 | View |
|
8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
Conventional, VA, HELOC | 2 +1 HELOCs |
0.5% | 100% | $235,000 | View |
|
47560 Highway 12, Buxton, NC 27920 A+5.0 ★Texas Ratio: 2.15% |
Conventional, VA | 2 | 0.5% | 66.7% | $400,000 | View |
|
1815 Kildaire Farm Rd, Cary, NC 27518 A+5.0 ★Texas Ratio: 3.28% |
Conventional | 2 | 0.5% | 50% | $175,000 | View |
|
★ 1.7 stars, 3 reviews 102 Church St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +5 HELOCs |
0.2% | 100% | $275,000 | View |
|
5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $305,000 | View |
|
1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37% |
FHA | 1 | 0.2% | 100% | $215,000 | View |
|
1231 Birch St, Camp Lejeune, NC 28547 2529 A5.0 ★Texas Ratio: 8.11% |
Conventional | 1 | 0.2% | 100% | $315,000 | View |
|
Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
128 Yadkin Valley Rd, Advance, NC 27006 A+5.0 ★Texas Ratio: 4.25% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
American Security Mortgage Cor
|
Conventional, VA | 5 | 1.2% | 100% | $341,000 | |
Goprime Mortgage, Inc.
|
Conventional, FHA, VA | 3 | 0.7% | 100% | $311,666 | |
Cardinal Financial Company, Li
|
Conventional | 1 | 0.2% | 100% | $285,000 | |
DHI Mortgage Company, LTD.
|
Conventional, FHA, VA, USDA | 64 | 15.3% | 92.9% | $323,437 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, Jumbo, HELOC | 39 +7 HELOCs |
9.3% | 95.2% | $329,358 | |
Rocket Mortgage
|
Conventional, FHA, VA | 39 | 9.3% | 77.4% | $273,717 | |
Guaranteed Rate, Inc.
|
Conventional, FHA, VA, HELOC | 23 +3 HELOCs |
5.5% | 100% | $285,869 | |
Atlantic Bay Mortgage Group
|
Conventional, FHA, VA | 18 | 4.3% | 100% | $223,888 | |
Movement Mortgage, LLC
|
Conventional, FHA, VA | 17 | 4.1% | 100% | $329,117 | |
Mortgage Research Center
|
FHA, VA | 16 | 3.8% | 69.6% | $360,625 | |
United Wholesale Mortgage
|
VA | 14 | 3.3% | 100% | $362,142 | |
Freedom Mortgage Corporation
|
FHA, VA | 11 | 2.6% | 88.2% | $305,909 | |
Newrez LLC
|
Conventional, FHA, VA | 10 | 2.4% | 90.9% | $223,000 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA, VA | 6 | 1.4% | 85.7% | $365,000 | |
loanDepot.com LLC
|
Conventional, VA, HELOC | 5 +1 HELOCs |
1.2% | 83.3% | $227,000 | |
|
A+5.0 ★Texas Ratio: 3.21% |
Conventional, FHA | 5 | 1.2% | 100% | $183,000 | View |
Pennymac Loan Services LLC
|
VA | 4 | 1% | 55.6% | $447,500 | |
Guild Mortgage Company
|
VA | 4 | 1% | 80% | $362,500 | |
Union Home Mortgage Corp.
|
Conventional, FHA | 4 | 1% | 100% | $287,500 | |
21St Mortgage
|
Conventional | 4 | 1% | 30.8% | $62,500 | |
Equity Prime Mortgage LLC
|
FHA, VA | 3 | 0.7% | 100% | $285,000 | |
Click n' Close, Inc.
|
Conventional, FHA, VA | 3 | 0.7% | 100% | $181,666 | |
Integrity Home Mortgage Corporation
|
Conventional, VA | 3 | 0.7% | 100% | $248,333 | |
Amerisave Mortgage Company
|
Conventional, FHA, HELOC | 2 +1 HELOCs |
0.5% | 50% | $80,000 | |
New American Funding, LLC.
|
Conventional, VA, HELOC | 2 +1 HELOCs |
0.5% | 100% | $295,000 | |
SWBC Mortgage Corporation
|
FHA, VA | 2 | 0.5% | 100% | $315,000 | |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional, VA | 2 | 0.5% | 100% | $450,000 | View |
|
B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 0.5% | 100% | $280,000 | View |
Planet Home Lending, LLC
|
VA | 2 | 0.5% | 100% | $305,000 | |
Mortgage Solutions of Colorado
|
FHA, VA | 2 | 0.5% | 100% | $260,000 | |
Lower, LLC
|
VA | 2 | 0.5% | 100% | $320,000 | |
|
B+4.8 ★Texas Ratio: 16.98% |
VA | 2 | 0.5% | 100% | $265,000 | View |
Carrington Mortgage Services LLC
|
Conventional, FHA | 2 | 0.5% | 66.7% | $140,000 | |
Reliance First Capital, LLC
|
Conventional, FHA | 2 | 0.5% | 100% | $275,000 | |
Cmg Mortgage Inc
|
VA, HELOC | 1 +1 HELOCs |
0.2% | 100% | $385,000 | |
HomeBridge Financial Services, Inc
|
VA, HELOC | 1 +1 HELOCs |
0.2% | 100% | $315,000 | |
Equity Resources Inc
|
Conventional | 1 | 0.2% | 100% | $195,000 | |
|
A+5.0 ★Texas Ratio: 3.36% |
VA | 1 | 0.2% | 100% | $255,000 | View |
Primelending
|
Conventional | 1 | 0.2% | 100% | $285,000 | |
Primary Residential Mortgage, INC.
|
FHA | 1 | 0.2% | 100% | $305,000 | |
Gold Star Mortgage Financial Group, Corporation
|
VA | 1 | 0.2% | 100% | $785,000 | |
Watermark Capital, Inc.
|
VA | 1 | 0.2% | 100% | $365,000 | |
AmeriHome Mortgage Company, LLC
|
VA | 1 | 0.2% | 100% | $235,000 | |
PHH Mortgage Corporation
|
VA | 1 | 0.2% | 100% | $215,000 | |
Loanunited.Com, LLC
|
VA | 1 | 0.2% | 100% | $435,000 | |
United Trust Bank
|
VA | 1 | 0.2% | 100% | $345,000 | |
Neighborhood Mortgage Solutions, LLC
|
Conventional | 1 | 0.2% | 100% | $245,000 | |
AdvantageFirst Lending Inc
|
VA | 1 | 0.2% | 100% | $315,000 | |
Universal Mortgage & Finance, Inc
|
FHA | 1 | 0.2% | 100% | $395,000 | |
Discover Bank
|
Conventional | 1 | 0.2% | 100% | $35,000 | |
New Day Financial, LLC.
|
VA | 1 | 0.2% | 100% | $135,000 | |
UNMB Home Loans Inc
|
Conventional | 1 | 0.2% | 100% | $275,000 | |
|
A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.2% | 100% | $65,000 | View |
|
A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.2% | 100% | $395,000 | View |
T2 Financial LLC
|
VA | 1 | 0.2% | 100% | $415,000 | |
BoxCar Mortgage, LLC
|
VA | 1 | 0.2% | 100% | $235,000 | |
Sierra Pacific Mortgage Co. Inc
|
FHA | 1 | 0.2% | 100% | $305,000 | |
American Pacific Mortgage Corporation
|
FHA | 1 | 0.2% | 100% | $355,000 | |
|
A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.2% | 100% | $195,000 | View |
|
A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 100% | $665,000 | View |
Nationstar Mortgage
|
Conventional | 1 | 0.2% | 50% | $55,000 | |
Pentagon Federal Credit Union
|
VA | 1 | 0.2% | 50% | $315,000 | |
|
A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.2% | 100% | $395,000 | View |
Mutual of Omaha Mortgage
|
VA | 1 | 0.2% | 100% | $245,000 | |
|
A5.0 ★Texas Ratio: 10.77% |
VA | 1 | 0.2% | 100% | $335,000 | View |
CSL Financial, LLC
|
Conventional | 1 | 0.2% | 100% | $75,000 | |
|
A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 0.2% | 100% | $365,000 | View |
Mld Mortgage, Inc.Dba the Money Store
|
VA | 1 | 0.2% | 100% | $365,000 | |
Fairway Independent Mort Corp
|
VA | 1 | 0.2% | 100% | $285,000 | |
Vanderbilt Mortgage and Finance, Inc
|
Conventional | 1 | 0.2% | 25% | $125,000 | |
Spring Eq, LLC
|
Conventional | 1 | 0.2% | 100% | $75,000 | |
Ark-La-Tex Financial Services LLC
|
VA | 1 | 0.2% | 100% | $575,000 | |
Figure Lending LLC
|
HELOC | 0 +3 HELOCs |
0% | n/a | ||
Corning Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +1 HELOCs |
0% | n/a |
James City 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 James City, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in James City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in James City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in James City, NC
Use these to narrow the list above. Each category shows how many James City, NC lenders fit and what that kind of lender is usually best for.
Who Lends in James City, NC
Independent mortgage companies closed 71.8 percent of home loans in James City, North Carolina in 2025, banks 13.8 percent and credit unions 14.3 percent. American Security Mortgage Cor was the largest mortgage company, First Ciitizens Bank and Trust the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, State Employees' Credit Union led with 17 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 James City, NC
By home loans closed in 2025, State Employees' Credit Union was the largest mortgage lender in James City, North Carolina with 17 loans, about 4.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in James City, North Carolina, DHI Mortgage Company, LTD. approved the highest share of completed applications in 2025 at 92.9 percent, against a 87.5 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
26 lenders closed FHA loans in James City, North Carolina in 2025, led by DHI Mortgage Company, LTD. with 9. 50 lenders closed VA loans, led by DHI Mortgage Company, LTD., 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. 25 banks and 8 credit unions closed home loans in James City, North Carolina in 2025, alongside 59 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 James City, 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 James City, 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 James City. 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.
