Mortgage Lenders and Brokers in New Bern, 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
New Bern, North Carolina mortgage lenders include First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust2060 Waterscape Way, New Bern, NC 28562A5.0 ★Texas Ratio: 7.72%, Truist BankTruist Bank3509 Dr M L King Jr Blvd, New Bern, NC 28562A+5.0 ★Texas Ratio: 2.87%, First National Bank of PAFirst National Bank of PA513 Mccarthy Blvd, New Bern, NC 28562A+5.0 ★Texas Ratio: 1.62%, Wells Fargo Bank NAWells Fargo Bank NA401 S Front St, New Bern, NC 28560A+5.0 ★Texas Ratio: 5.36%, PNC Bank N.A.PNC Bank N.A.3360 Dr M L King Boulevard, New Bern, NC 28562A+5.0 ★Texas Ratio: 4.24%, United Bank VaUnited Bank Va412 S Front St, New Bern, NC 28560A+5.0 ★Texas Ratio: 2.15%, Southern Bank and Trust CompanySouthern Bank and Trust Company1319 Commerce Drive, New Bern, NC 28560A+5.0 ★Texas Ratio: 1.13%, Bank of America NABank of America NA3131 M L King Jr Blvd, New Bern, NC 28562A+5.0 ★Texas Ratio: 4.14%, State Employees' Credit UnionState Employees' Credit Union3001 Elizabeth Ave, NEW BERN, NC 28562A-5.0 ★Texas Ratio: 14.13%, and First Flight Federal Credit UnionFirst Flight Federal Credit Union3127 M L King Jr Blvd, New Bern, NC 28562 5213A+5.0 ★Texas Ratio: 3.28%. 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 New Bern, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in New Bern 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 New Bern, North Carolina
Market share is the lender's share of all home loans closed in New Bern, 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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3 offices in New Bern 2060 Waterscape Way, New Bern, NC 28562 A5.0 ★Texas Ratio: 7.72% |
Conventional, VA, Jumbo, HELOC | 39 +20 HELOCs |
4.5% | 90.9% | $254,743 | View |
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★ 1 stars, 1 review 3 offices in New Bern 3509 Dr M L King Jr Blvd, New Bern, NC 28562 A+5.0 ★Texas Ratio: 2.87% |
Conventional, VA, HELOC | 9 +23 HELOCs |
1% | 90% | $308,333 | View |
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1 office in New Bern 513 Mccarthy Blvd, New Bern, NC 28562 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 7 +6 HELOCs |
0.8% | 70% | $219,285 | View |
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1 office in New Bern 401 S Front St, New Bern, NC 28560 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 7 | 0.8% | 88.9% | $212,142 | View |
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★ 1.7 stars, 3 reviews 1 office in New Bern 3360 Dr M L King Boulevard, New Bern, NC 28562 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 5 +12 HELOCs |
0.6% | 83.3% | $137,000 | View |
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2 offices in New Bern 412 S Front St, New Bern, NC 28560 A+5.0 ★Texas Ratio: 2.15% |
Conventional, HELOC | 5 +5 HELOCs |
0.6% | 71.4% | $255,000 | View |
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1 office in New Bern 1319 Commerce Drive, New Bern, NC 28560 A+5.0 ★Texas Ratio: 1.13% |
Conventional | 3 | 0.3% | 100% | $418,333 | View |
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1 office in New Bern 3131 M L King Jr Blvd, New Bern, NC 28562 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +6 HELOCs |
0.1% | 100% | $185,000 | View |
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3001 Elizabeth Ave, NEW BERN, NC 28562 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 29 +36 HELOCs |
3.3% | 75% | $226,034 | View |
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3127 M L King Jr Blvd, New Bern, NC 28562 5213 A+5.0 ★Texas Ratio: 3.28% |
Conventional | 15 | 1.7% | 83.3% | $74,333 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 5 | 0.6% | 100% | $325,000 | View |
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8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 3 | 0.3% | 60% | $118,333 | View |
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2034 Waterscape Way, New Bern, NC 28562 7097 A5.0 ★Texas Ratio: 8.11% |
Conventional | 2 | 0.2% | 66.7% | $205,000 | View |
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1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.1% | 100% | $345,000 | View |
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103 N 2nd St, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 0.1% | 100% | $505,000 | View |
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300 Us Highway 17 N, Holly Ridge, NC 28445 A+5.0 ★Texas Ratio: 0.81% |
Conventional | 1 | 0.1% | 100% | $135,000 | View |
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105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94% |
Conventional | 1 | 0.1% | 100% | $185,000 | View |
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1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
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% | n/a | View | |
American Security Mortgage Cor
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Conventional, FHA, VA | 10 | 1.2% | 91.7% | $333,000 | |
Goprime Mortgage, Inc.
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FHA, VA | 5 | 0.6% | 100% | $231,000 | |
Corporate Investors Mortgage G
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Conventional, VA | 3 | 0.3% | 100% | $405,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $145,000 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA | 102 | 11.7% | 85% | $298,137 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, Jumbo, HELOC | 73 +3 HELOCs |
8.4% | 98.7% | $238,835 | |
Rocket Mortgage
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Conventional, FHA, VA | 70 | 8.1% | 76% | $184,285 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 60 +17 HELOCs |
6.9% | 89.9% | $254,000 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, HELOC | 44 +2 HELOCs |
5.1% | 100% | $225,909 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 41 +1 HELOCs |
4.7% | 80% | $299,878 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA | 29 | 3.3% | 100% | $222,931 | |
Mortgage Research Center
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Conventional, VA | 27 | 3.1% | 71.1% | $287,222 | |
Freedom Mortgage Corporation
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FHA, VA | 23 | 2.6% | 96.3% | $295,434 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA, HELOC | 22 +1 HELOCs |
2.5% | 100% | $309,545 | |
Guild Mortgage Company
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Conventional, FHA, VA | 14 | 1.6% | 100% | $231,428 | |
loanDepot.com LLC
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Conventional, FHA, VA, Jumbo, HELOC | 12 +1 HELOCs |
1.4% | 70.6% | $260,833 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 12 | 1.4% | 70.6% | $253,333 | |
Newrez LLC
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Conventional, FHA, VA | 9 | 1% | 81.8% | $271,666 | |
Acrisure Mortgage, LLC
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Conventional, FHA, VA | 8 | 0.9% | 100% | $348,750 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional, FHA | 8 | 0.9% | 100% | $175,000 | View |
Fairway Independent Mort Corp
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Conventional, VA | 7 | 0.8% | 100% | $280,714 | |
SWBC Mortgage Corporation
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Conventional, FHA, VA | 6 | 0.7% | 100% | $223,333 | |
New Day Financial, LLC.
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VA | 6 | 0.7% | 85.7% | $320,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 5 | 0.6% | 100% | $165,000 | |
Integrity Home Mortgage Corporation
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Conventional, VA | 5 | 0.6% | 100% | $283,000 | |
Nationstar Mortgage
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Conventional | 5 | 0.6% | 100% | $137,000 | |
Plaza Home Mortgage, Inc
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Conventional, VA | 5 | 0.6% | 100% | $189,000 | |
Cmg Mortgage Inc
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Conventional, VA, HELOC | 4 +1 HELOCs |
0.5% | 100% | $380,000 | |
Nbkc Bank
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Conventional, VA | 4 | 0.5% | 100% | $375,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA, Jumbo | 4 | 0.5% | 100% | $445,000 | View |
Mutual of Omaha Mortgage
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Conventional, FHA | 4 | 0.5% | 100% | $205,000 | |
Lakeview Loan Servicing, LLC
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FHA | 3 | 0.3% | 57.1% | $188,333 | |
ALCOVA Mortgage, LLC
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Conventional | 3 | 0.3% | 100% | $195,000 | |
Sierra Pacific Mortgage Co. Inc
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FHA, VA | 3 | 0.3% | 100% | $448,333 | |
The Loan Store, Inc
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Conventional, FHA, VA | 3 | 0.3% | 100% | $258,333 | |
Lower, LLC
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Conventional | 3 | 0.3% | 75% | $298,333 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 3 | 0.3% | 100% | $241,666 | View |
21St Mortgage
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Conventional | 3 | 0.3% | 18.8% | $81,666 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 0.3% | 100% | $265,000 | View |
Carrington Mortgage Services LLC
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FHA | 3 | 0.3% | 80% | $208,333 | |
EMM Loans LLC
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Conventional, FHA | 2 | 0.2% | 100% | $110,000 | |
Tidewater Mortgage Services, Inc
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Conventional, FHA | 2 | 0.2% | 100% | $85,000 | |
Royal United Mortgage LLC
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Conventional | 2 | 0.2% | 100% | $75,000 | |
Goodleap, LLC
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FHA, VA | 2 | 0.2% | 100% | $140,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional, FHA | 2 | 0.2% | 100% | $260,000 | View |
Loansteady LLC
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Conventional, VA | 2 | 0.2% | 100% | $265,000 | |
AmeriHome Mortgage Company, LLC
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VA | 2 | 0.2% | 100% | $340,000 | |
PHH Mortgage Corporation
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Conventional | 2 | 0.2% | 100% | $255,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional, VA | 2 | 0.2% | 100% | $235,000 | View |
Discover Bank
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Conventional | 2 | 0.2% | 33.3% | $40,000 | |
Credit Union Mortgage Associat
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Conventional | 2 | 0.2% | 100% | $285,000 | |
T2 Financial LLC
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VA | 2 | 0.2% | 100% | $330,000 | |
Pentagon Federal Credit Union
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FHA, VA | 2 | 0.2% | 66.7% | $430,000 | |
Radius Financial Group Inc
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FHA, VA | 2 | 0.2% | 100% | $270,000 | |
Mortgage Solutions of Colorado
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Conventional, VA | 2 | 0.2% | 100% | $240,000 | |
TowneBank
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Conventional | 2 | 0.2% | 50% | $105,000 | |
Reliance First Capital, LLC
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FHA | 2 | 0.2% | 100% | $160,000 | |
Top Flite Financial, Inc.
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FHA | 2 | 0.2% | 100% | $140,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +2 HELOCs |
0.1% | 50% | $75,000 | |
HomeBridge Financial Services, Inc
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VA, HELOC | 1 +1 HELOCs |
0.1% | 33.3% | $525,000 | |
New American Funding, LLC.
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 4.19% |
Conventional | 1 | 0.1% | 100% | $415,000 | View |
Equity Resources Inc
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VA | 1 | 0.1% | 100% | $305,000 | |
American Financial Resources LLC
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VA | 1 | 0.1% | 100% | $305,000 | |
Residential Wholesale Mortgage
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Conventional | 1 | 0.1% | 100% | $685,000 | |
Atlantic Coast Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 0.62% |
Conventional | 1 | 0.1% | 100% | $145,000 | View |
Watermark Capital, Inc.
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Conventional | 1 | 0.1% | 100% | $215,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.1% | 100% | $95,000 | |
Kind Lending, LLC
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FHA | 1 | 0.1% | 100% | $505,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
VA | 1 | 0.1% | 100% | $65,000 | View |
Resicentral LLC
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VA | 1 | 0.1% | 100% | $235,000 | |
Amerisave Mortgage Company
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FHA | 1 | 0.1% | 14.3% | $275,000 | |
AdvantageFirst Lending Inc
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VA | 1 | 0.1% | 100% | $285,000 | |
American Financial Network, Inc.
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VA | 1 | 0.1% | 100% | $385,000 | |
Success Mortgage Partners, Inc
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VA | 1 | 0.1% | 100% | $255,000 | |
Intercap Lending Inc
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VA | 1 | 0.1% | 100% | $385,000 | |
Intercoastal Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $415,000 | |
Calcon Mutual Mortgage LLC
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FHA | 1 | 0.1% | 100% | $355,000 | |
Evergreen Moneysource Mortgage Company
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FHA | 1 | 0.1% | 100% | $295,000 | |
Churchill Mortgage Corporation
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VA | 1 | 0.1% | 100% | $475,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.1% | 50% | $195,000 | |
Belem Servicing, LLC dba Patriot Home Mortgage
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VA | 1 | 0.1% | 100% | $505,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.1% | 100% | $205,000 | View |
Greenway Mortgage Funding Corp.
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Conventional | 1 | 0.1% | 100% | $115,000 | |
Frontwave Credit Union
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VA | 1 | 0.1% | 100% | $185,000 | |
American Pacific Mortgage Corporation
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VA | 1 | 0.1% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.1% | 100% | $225,000 | View |
Rapid Mortgage Company
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FHA | 1 | 0.1% | 100% | $145,000 | |
Park Lane Finance SolutionsLLC
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Conventional | 1 | 0.1% | 26.7% | $45,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.1% | 100% | $105,000 | View |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.1% | 100% | $85,000 | |
Summit Funding.Inc
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VA | 1 | 0.1% | 100% | $365,000 | |
Prosperity Home Mortgage, LLC
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VA | 1 | 0.1% | 100% | $395,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.1% | 100% | $235,000 | View |
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A5.0 ★Texas Ratio: 10.77% |
FHA | 1 | 0.1% | 100% | $275,000 | View |
Mld Mortgage, Inc.Dba the Money Store
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VA | 1 | 0.1% | 100% | $305,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.1% | 100% | $395,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.1% | 20% | $135,000 | |
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A+5.0 ★Texas Ratio: 1.59% |
VA | 1 | 0.1% | 100% | $355,000 | View |
Tomo Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $395,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.1% | 100% | $305,000 | |
Figure Lending LLC
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HELOC | 0 +6 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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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 | |
Everett Financial, Inc.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Service Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 6.30% |
HELOC | 0 +1 HELOCs |
0% | 0% | ||
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A-4.8 ★Texas Ratio: 12.33% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
New Bern 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 New Bern, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in New Bern? The list below shows the banks, credit unions and mortgage brokers that closed home loans in New Bern in 2025, with lenders based there listed first.
Types of Mortgage Lenders in New Bern, NC
Use these to narrow the list above. Each category shows how many New Bern, NC lenders fit and what that kind of lender is usually best for.
Who Lends in New Bern, NC
Independent mortgage companies closed 72.5 percent of home loans in New Bern, North Carolina in 2025, banks 14.7 percent and credit unions 12.8 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, First Ciitizens Bank and Trust led with 39 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 New Bern, NC
By home loans closed in 2025, First Ciitizens Bank and Trust was the largest mortgage lender in New Bern, North Carolina with 39 loans, about 4.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in New Bern, North Carolina, Guaranteed Rate, Inc. approved the highest share of completed applications in 2025 at 98.7 percent, against a 84.5 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.
39 lenders closed FHA loans in New Bern, North Carolina in 2025, led by DHI Mortgage Company, LTD. with 21. 57 lenders closed VA loans, led by DHI Mortgage Company, LTD.. 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. 38 banks and 12 credit unions closed home loans in New Bern, 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 New Bern, 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 New Bern, 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 New Bern. 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.
