Mortgage Lenders and Brokers in Raeford, 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
Raeford, North Carolina mortgage lenders include Truist BankTruist Bank207 S Main St, Raeford, NC 28376A+5.0 ★Texas Ratio: 2.87%, PNC Bank N.A.PNC Bank N.A.201 N Main St, Raeford, NC 28376A+5.0 ★Texas Ratio: 4.24%, The Fidelity BankThe Fidelity Bank112 South 401 By Pass, Raeford, NC 28376A+5.0 ★Texas Ratio: 3.02%, State Employees' Credit UnionState Employees' Credit Union1108 FAYETTEVILLE RD, RAEFORD, NC 28376A-5.0 ★Texas Ratio: 14.13%, 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%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust351 N 1st St, Albemarle, NC 28001A5.0 ★Texas Ratio: 7.72%, American Security Mortgage CorAmerican Security Mortgage CorCharlotte, NC, Goprime Mortgage, Inc.Goprime Mortgage, Inc.Apex, NC, and Deephaven Mortgage LLCDeephaven Mortgage LLCCharlotte, NC. 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 Raeford, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Raeford 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 Raeford, North Carolina
Market share is the lender's share of all home loans closed in Raeford, 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 |
|---|---|---|---|---|---|---|
|
★ 1 stars, 1 review 1 office in Raeford 207 S Main St, Raeford, NC 28376 A+5.0 ★Texas Ratio: 2.87% |
Conventional, VA, HELOC | 2 +2 HELOCs |
0.9% | 100% | $180,000 | View |
|
★ 1.7 stars, 3 reviews 1 office in Raeford 201 N Main St, Raeford, NC 28376 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
1 office in Raeford 112 South 401 By Pass, Raeford, NC 28376 A+5.0 ★Texas Ratio: 3.02% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
1108 FAYETTEVILLE RD, RAEFORD, NC 28376 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 4 +1 HELOCs |
1.8% | 83.3% | $195,000 | View |
|
1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 100% | $75,000 | View |
|
5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.4% | 50% | $285,000 | View |
|
351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72% |
VA | 1 | 0.4% | 100% | $295,000 | View |
American Security Mortgage Cor
|
Conventional, FHA, VA | 3 | 1.3% | 100% | $331,666 | |
Goprime Mortgage, Inc.
|
VA | 3 | 1.3% | 75% | $368,333 | |
Deephaven Mortgage LLC
|
Conventional | 1 | 0.4% | 100% | $555,000 | |
United Wholesale Mortgage
|
Conventional, FHA, VA | 19 | 8.4% | 95.5% | $309,210 | |
Freedom Mortgage Corporation
|
VA | 18 | 8% | 95.8% | $309,444 | |
Mortgage Research Center
|
Conventional, FHA, VA | 18 | 8% | 78.3% | $285,555 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA, VA | 12 | 5.3% | 100% | $310,833 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 11 +1 HELOCs |
4.9% | 91.7% | $305,000 | |
Rocket Mortgage
|
Conventional, FHA, VA | 11 | 4.9% | 66.7% | $212,272 | |
Jet HomeLoans, LP
|
FHA, VA | 9 | 4% | 100% | $306,111 | |
Pennymac Loan Services LLC
|
FHA, VA | 8 | 3.5% | 100% | $297,500 | |
Union Home Mortgage Corp.
|
Conventional, FHA, VA | 6 | 2.7% | 100% | $340,000 | |
Nfm, Inc
|
Conventional, VA | 6 | 2.7% | 100% | $335,000 | |
Newrez LLC
|
VA | 5 | 2.2% | 100% | $273,000 | |
Movement Mortgage, LLC
|
Conventional, VA, USDA | 5 | 2.2% | 100% | $257,000 | |
Guild Mortgage Company
|
Conventional, FHA, VA | 5 | 2.2% | 100% | $191,000 | |
|
A+5.0 ★Texas Ratio: 3.21% |
VA | 4 | 1.8% | 100% | $332,500 | View |
Mutual of Omaha Mortgage
|
VA | 4 | 1.8% | 100% | $325,000 | |
Village Capital & Investment
|
FHA, VA | 4 | 1.8% | 85.7% | $302,500 | |
Guaranteed Rate, Inc.
|
VA | 3 | 1.3% | 75% | $325,000 | |
loanDepot.com LLC
|
Conventional, FHA | 3 | 1.3% | 75% | $145,000 | |
|
A5.0 ★Texas Ratio: 13.21% |
Conventional, FHA, USDA | 3 | 1.3% | 100% | $218,333 | View |
Atlantic Bay Mortgage Group
|
VA, USDA | 3 | 1.3% | 100% | $261,666 | |
|
A4.7 ★Texas Ratio: 0.83% |
Conventional, VA | 3 | 1.3% | 100% | $275,000 | View |
Mortgage Solutions of Colorado
|
VA | 3 | 1.3% | 100% | $281,666 | |
Prosperity Home Mortgage, LLC
|
FHA, VA | 3 | 1.3% | 100% | $235,000 | |
|
A+5.0 ★Texas Ratio: 3.36% |
VA | 2 | 0.9% | 100% | $370,000 | View |
Amerisave Mortgage Company
|
VA | 2 | 0.9% | 60% | $340,000 | |
Synergy One Lending, Inc.
|
Conventional, FHA | 2 | 0.9% | 100% | $100,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 0.9% | 66.7% | $255,000 | View |
Churchill Mortgage Corporation
|
VA | 2 | 0.9% | 100% | $290,000 | |
Planet Home Lending, LLC
|
VA | 2 | 0.9% | 100% | $315,000 | |
Nationstar Mortgage
|
Conventional, VA | 2 | 0.9% | 50% | $275,000 | |
Keystone Funding, Inc
|
VA | 2 | 0.9% | 100% | $325,000 | |
Vanderbilt Mortgage and Finance, Inc
|
Conventional | 2 | 0.9% | 33.3% | $105,000 | |
|
A5.0 ★Texas Ratio: 9.09% |
FHA, VA | 2 | 0.9% | 100% | $295,000 | View |
Plaza Home Mortgage, Inc
|
FHA, VA | 2 | 0.9% | 100% | $250,000 | |
Primary Residential Mortgage, INC.
|
FHA | 1 | 0.4% | 100% | $145,000 | |
MortgageOne, Inc
|
VA | 1 | 0.4% | 100% | $215,000 | |
Kind Lending, LLC
|
VA | 1 | 0.4% | 100% | $335,000 | |
Triad Financial Services, Inc.
|
Conventional | 1 | 0.4% | 33.3% | $165,000 | |
PHH Mortgage Corporation
|
FHA | 1 | 0.4% | 100% | $125,000 | |
Loanunited.Com, LLC
|
VA | 1 | 0.4% | 100% | $315,000 | |
AdvantageFirst Lending Inc
|
VA | 1 | 0.4% | 100% | $245,000 | |
|
A+5.0 ★Texas Ratio: 3.66% |
VA | 1 | 0.4% | 100% | $385,000 | View |
Cmg Mortgage Inc
|
FHA | 1 | 0.4% | 100% | $205,000 | |
Credit Union Mortgage Associat
|
Conventional | 1 | 0.4% | 100% | $245,000 | |
Click n' Close, Inc.
|
FHA | 1 | 0.4% | 100% | $325,000 | |
Flat Branch Mortgage, Inc.
|
Conventional | 1 | 0.4% | 100% | $165,000 | |
Bay Equity LLC
|
VA | 1 | 0.4% | 100% | $315,000 | |
Highlands Residential Mortgage, Ltd.
|
VA | 1 | 0.4% | 100% | $565,000 | |
Credence Funding Corporation
|
VA | 1 | 0.4% | 100% | $365,000 | |
Peoples Mortgage Company
|
Conventional | 1 | 0.4% | 100% | $195,000 | |
Integrity Home Mortgage Corporation
|
VA | 1 | 0.4% | 100% | $335,000 | |
Sierra Pacific Mortgage Co. Inc
|
VA | 1 | 0.4% | 100% | $225,000 | |
|
A5.0 ★Texas Ratio: 8.28% |
FHA | 1 | 0.4% | 100% | $375,000 | View |
Carrington Mortgage Services LLC
|
FHA | 1 | 0.4% | 50% | $135,000 | |
Reliance First Capital, LLC
|
Conventional | 1 | 0.4% | 100% | $65,000 | |
Loan Simple, Inc.
|
USDA | 1 | 0.4% | 100% | $295,000 | |
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
A5.0 ★Texas Ratio: 10.20% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Raeford 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 Raeford, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Raeford? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Raeford in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Raeford, NC
Use these to narrow the list above. Each category shows how many Raeford, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Raeford, NC
Independent mortgage companies closed 84.1 percent of home loans in Raeford, North Carolina in 2025, banks 8.8 percent and credit unions 7.1 percent. American Security Mortgage Cor was the largest mortgage company, Truist Bank the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, Truist Bank led with 2 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 Raeford, NC
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Raeford, North Carolina with 2 loans, about 0.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
22 lenders closed FHA loans in Raeford, North Carolina in 2025, led by CrossCountry Mortgage, LLC with 3. 44 lenders closed VA loans, led by Freedom Mortgage Corporation, and 4 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. 14 banks and 4 credit unions closed home loans in Raeford, North Carolina in 2025, alongside 52 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 Raeford, 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 Raeford, 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 Raeford. 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.
