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Mortgage Lenders and Brokers in Salisbury, North Carolina

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Salisbury, North Carolina mortgage lenders include First National Bank of PAFirst National Bank of PA322 E Innes St, Salisbury, NC 28144A+5.0 ★Texas Ratio: 1.62%, Farmers & Merchants BankFarmers & Merchants Bank728 Klumac Rd, Salisbury, NC 28144A+5.0 ★Texas Ratio: 2.85%, Truist BankTruist Bank508 Jake Alexander Blvd W, Salisbury, NC 28147A+5.0 ★Texas Ratio: 2.87%, Wells Fargo Bank NAWells Fargo Bank NA866 Jake Alexander Blvd W, Salisbury, NC 28147A+5.0 ★Texas Ratio: 5.36%, Southstate Bank, National AssociationSouthstate Bank, National Association401 W Innes St, Salisbury, NC 28144A+5.0 ★Texas Ratio: 2.27%, First Horizon BankFirst Horizon Bank225 Faith Rd, Salisbury, NC 28146A+5.0 ★Texas Ratio: 5.76%, Bank of America NABank of America NA500 W Innes St, Salisbury, NC 28144A+5.0 ★Texas Ratio: 4.14%, First BankFirst Bank1525 Jake Alexander Blvd S, Salisbury, NC 28146A+5.0 ★Texas Ratio: 1.94%, Pinnacle BankPinnacle Bank415 Jake Alexander Blvd W, Salisbury, NC 28147A+5.0 ★Texas Ratio: 3.04%, and The Fidelity BankThe Fidelity Bank2085 Statesville Blvd, Salisbury, NC 28147A+5.0 ★Texas Ratio: 3.02%. 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 Salisbury, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Salisbury 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 Salisbury, North Carolina

Market share is the lender's share of all home loans closed in Salisbury, 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
First National Bank of PA 1 office in Salisbury 322 E Innes St, Salisbury, NC 28144 A+5.0 ★Texas Ratio: 1.62%	Conventional, VA, HELOC	66 +3 HELOCs	6.2%	76.7%	$153,484	View
Farmers & Merchants Bank 5 offices in Salisbury 728 Klumac Rd, Salisbury, NC 28144 A+5.0 ★Texas Ratio: 2.85%	Conventional	23	2.1%	95.8%	$228,043	View
Truist Bank ★ 1 stars, 1 review 2 offices in Salisbury 508 Jake Alexander Blvd W, Salisbury, NC 28147 A+5.0 ★Texas Ratio: 2.87%	Conventional, FHA, VA, HELOC	12 +20 HELOCs	1.1%	80%	$230,000	View
Wells Fargo Bank NA 2 offices in Salisbury 866 Jake Alexander Blvd W, Salisbury, NC 28147 A+5.0 ★Texas Ratio: 5.36%	Conventional	12	1.1%	92.9%	$249,166	View
Southstate Bank, National Association ★ 5 stars, 1 review 1 office in Salisbury 401 W Innes St, Salisbury, NC 28144 A+5.0 ★Texas Ratio: 2.27%	Conventional, FHA, HELOC	7 +4 HELOCs	0.7%	87.5%	$175,000	View
First Horizon Bank ★ 5 stars, 1 review 1 office in Salisbury 225 Faith Rd, Salisbury, NC 28146 A+5.0 ★Texas Ratio: 5.76%	Conventional	4	0.4%	80%	$192,500	View
Bank of America NA 1 office in Salisbury 500 W Innes St, Salisbury, NC 28144 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	2 +15 HELOCs	0.2%	40%	$260,000	View
First Bank 1 office in Salisbury 1525 Jake Alexander Blvd S, Salisbury, NC 28146 A+5.0 ★Texas Ratio: 1.94%	Conventional, HELOC	2 +6 HELOCs	0.2%	66.7%	$325,000	View
Pinnacle Bank 1 office in Salisbury 415 Jake Alexander Blvd W, Salisbury, NC 28147 A+5.0 ★Texas Ratio: 3.04%	Conventional, HELOC	2 +3 HELOCs	0.2%	100%	$135,000	View
The Fidelity Bank 1 office in Salisbury 2085 Statesville Blvd, Salisbury, NC 28147 A+5.0 ★Texas Ratio: 3.02%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$285,000	View
State Employees' Credit Union 1030 MOORESVILLE RD, SALISBURY, NC 28147 A-5.0 ★Texas Ratio: 14.13%	Conventional, HELOC	63 +69 HELOCs	5.9%	72.4%	$263,412	View
Ameris Bank ★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82%	Conventional, FHA, VA	22	2.1%	91.7%	$253,181	View
US Bank, N.A. 8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA, HELOC	11 +1 HELOCs	1%	78.6%	$277,727	View
Skyla Federal Credit Union 940 Jake Alexander Blvd W, Salisbury, NC 28147 A5.0 ★Texas Ratio: 9.56%	Conventional, HELOC	6 +8 HELOCs	0.6%	63.6%	$256,666	View
Fifth Third Bank, National Association 1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	6 +4 HELOCs	0.6%	75%	$195,000	View
JPMorgan Chase Bank, NA 1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	6 +1 HELOCs	0.6%	100%	$266,666	View
Truliant Federal Credit Union 1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43%	Conventional, HELOC	5 +3 HELOCs	0.5%	55.6%	$203,000	View
Uwharrie Bank 800 Highway 24 27 Bypass, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 0.72%	Conventional, FHA	4	0.4%	100%	$310,000	View
Latino Community Credit Union 104 NC 54 Ste KK, Carrboro, NC 27510 A5.0 ★Texas Ratio: 6.08%	Conventional	4	0.4%	100%	$182,500	View
Allegacy Federal Credit Union 128 Yadkin Valley Rd, Advance, NC 27006 A+5.0 ★Texas Ratio: 4.25%	Conventional, HELOC	2 +4 HELOCs	0.2%	100%	$165,000	View
First Ciitizens Bank and Trust 351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo, HELOC	1 +3 HELOCs	0.1%	100%	$1,155,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 102 Church St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$215,000	View
Regions Bank 1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37%	VA, HELOC	1 +1 HELOCs	0.1%	33.3%	$275,000	View
Carolinas Telco FCU 2821 Crisman St, Charlotte, NC 28208 A+5.0 ★Texas Ratio: 3.27%	Conventional	1	0.1%	100%	$305,000	View
blueharbor bank 106 Corporate Park Dr, Mooresville, NC 28117 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$505,000	View
Encore Bank 3151 Apex Dr, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.62%	Conventional	1	0.1%	100%	$405,000	View
Self Help Credit Union 2146 Statesville Blvd, Salisbury, NC 28147 A+5.0 ★Texas Ratio: 2.49%	Conventional	1	0.1%	100%	$165,000	View
Coastal Federal Credit Union Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34%	HELOC	0 +3 HELOCs	0%	n/a
Civic FCU 1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00%	HELOC	0 +2 HELOCs	0%	0%		View
Carter Bank and Trust 500 E Morehead St Ste 150, Charlotte, NC 28202 A5.0 ★Texas Ratio: 7.55%	HELOC	0 +1 HELOCs	0%	n/a		View
Peoples Bank 1117 Parkside Main St, Cary, NC 27519 A+5.0 ★Texas Ratio: 2.98%	HELOC	0 +1 HELOCs	0%	n/a		View
United Community Bank 732 Main St, Andrews, NC 28901 A+5.0 ★Texas Ratio: 2.97%	HELOC	0 +1 HELOCs	0%	n/a		View
TD Bank 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, FHA, VA	9	0.8%	100%	$351,666
Cardinal Financial Company, Li	Conventional, FHA	4	0.4%	100%	$190,000
AgSouth Farm Credit	Conventional	3	0.3%	100%	$168,333
Wolfe Financial Inc	Conventional	2	0.2%	100%	$325,000
Premier Lending Inc.	FHA	1	0.1%	100%	$445,000
Rocket Mortgage	Conventional, FHA, VA	112	10.4%	78.2%	$200,892
loanDepot.com LLC	Conventional, FHA, VA, HELOC	89 +2 HELOCs	8.3%	86.5%	$283,314
Movement Mortgage, LLC	Conventional, FHA, VA, USDA	54	5%	100%	$246,666
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	44 +2 HELOCs	4.1%	76.3%	$269,772
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA, VA, USDA	36	3.4%	100%	$300,000	View
Atlantic Bay Mortgage Group	Conventional, FHA, VA	31	2.9%	100%	$263,064
Mortgage Research Center	Conventional, VA	23	2.1%	75%	$287,608
Fairway Independent Mort Corp	Conventional, FHA, VA	20	1.9%	100%	$266,500
Freedom Mortgage Corporation	FHA, VA	19	1.8%	86.7%	$275,526
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	17 +4 HELOCs	1.6%	89.5%	$214,411
Union Home Mortgage Corp.	Conventional, FHA, VA, USDA	13	1.2%	92.9%	$233,461
Nationstar Mortgage	Conventional, FHA	13	1.2%	100%	$151,153
Primary Residential Mortgage, INC.	Conventional, FHA	12	1.1%	100%	$182,500
CrossCountry Mortgage, LLC	Conventional, FHA, VA	12	1.1%	92.3%	$285,833
Pennymac Loan Services LLC	Conventional, FHA, VA	12	1.1%	66.7%	$273,333
Amerisave Mortgage Company	Conventional, FHA, VA	11	1%	42.3%	$102,272
Lakeview Loan Servicing, LLC	Conventional, FHA	9	0.8%	55.6%	$153,888
ALCOVA Mortgage, LLC	Conventional, FHA	9	0.8%	100%	$248,333
Inspire Home Loans Inc.	Conventional, FHA	9	0.8%	84.6%	$280,555
Zillow Home Loans, LLC	Conventional, FHA, VA	9	0.8%	100%	$229,444
New American Funding, LLC.	Conventional, FHA	8	0.7%	88.9%	$156,250
Newrez LLC	Conventional, FHA, VA	7	0.7%	63.6%	$315,000
Guild Mortgage Company	Conventional, FHA	7	0.7%	100%	$149,285
DHI Mortgage Company, LTD.	Conventional, FHA, VA	7	0.7%	70%	$276,428
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional, FHA, VA	6	0.6%	100%	$191,666	View
Vanderbilt Mortgage and Finance, Inc	Conventional	6	0.6%	19.4%	$148,333
Village Capital & Investment	FHA, VA	6	0.6%	57.1%	$295,000
Guaranteed Rate Affinity, LLC	Conventional, FHA, VA	5	0.5%	100%	$275,000
American Financial Resources LLC	FHA, USDA	5	0.5%	100%	$217,000
Guaranteed Rate, Inc.	Conventional, VA	5	0.5%	50%	$213,000
Goodleap, LLC	Conventional, FHA, VA	5	0.5%	83.3%	$227,000
Click n' Close, Inc.	Conventional, FHA, VA	5	0.5%	100%	$289,000
Integrity Home Mortgage Corporation	Conventional, FHA	5	0.5%	83.3%	$277,000
Mortgage Solutions of Colorado	Conventional, FHA, VA	5	0.5%	100%	$235,000
Mutual of Omaha Mortgage	Conventional, FHA	5	0.5%	62.5%	$249,000
Atlantic Coast Mortgage, LLC	Conventional	4	0.4%	100%	$205,000
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	Conventional, FHA	4	0.4%	100%	$315,000	View
Howard Hanna Financial Services, Inc	Conventional, FHA	4	0.4%	100%	$315,000
Cmg Mortgage Inc	Conventional, FHA	4	0.4%	100%	$372,500
Homeowners Financial Group, LLC	Conventional, FHA	4	0.4%	100%	$90,000
The Loan Store, Inc	Conventional, HELOC	3 +2 HELOCs	0.3%	75%	$175,000
Royal United Mortgage LLC	Conventional	3	0.3%	100%	$91,666
Success Lending, LLC	Conventional, FHA	3	0.3%	100%	$178,333
Sage Home Loans Corporation	Conventional	3	0.3%	100%	$291,666
Equity Prime Mortgage LLC	FHA, VA	3	0.3%	75%	$181,666
Nfm, Inc	Conventional	3	0.3%	100%	$315,000
New Day Financial, LLC.	VA	3	0.3%	33.3%	$245,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	3	0.3%	75%	$268,333	View
Prosperity Home Mortgage, LLC	Conventional, VA	3	0.3%	100%	$205,000
Carrington Mortgage Services LLC	FHA, VA	3	0.3%	33.3%	$205,000
Reliance First Capital, LLC	Conventional, FHA, VA	3	0.3%	75%	$241,666
Spring Eq, LLC	Conventional	3	0.3%	37.5%	$71,666
Plaza Home Mortgage, Inc	Conventional, FHA, Jumbo	3	0.3%	60%	$505,000
Founders Federal Credit Union A+5.0 ★Texas Ratio: 3.58%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$295,000
Genisys Credit Union	Conventional	2	0.2%	100%	$240,000
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 3.36%	FHA	2	0.2%	100%	$250,000	View
Envoy Mortgage, Ltd	Conventional, FHA	2	0.2%	100%	$335,000
Kind Lending, LLC	FHA, USDA	2	0.2%	66.7%	$275,000
AdvantageFirst Lending Inc	FHA	2	0.2%	50%	$180,000
ClearPath Lending	VA	2	0.2%	100%	$295,000
Stg Mortgage Inc	Conventional	2	0.2%	100%	$145,000
Capital Center LLC	Conventional	2	0.2%	100%	$210,000
Planet Home Lending, LLC	FHA	2	0.2%	66.7%	$185,000
New Story Lending LLC	Conventional, VA	2	0.2%	100%	$320,000
Milend, Inc	FHA	2	0.2%	75%	$160,000
Saygo Home Loans, LLC	VA	2	0.2%	100%	$350,000
Towne Mortgage Company	Conventional	2	0.2%	100%	$390,000
Tjc Mortgage Inc	Conventional, FHA	2	0.2%	100%	$235,000
TowneBank	Conventional	2	0.2%	100%	$120,000
Veritas Funding, LLC	FHA, VA	2	0.2%	100%	$215,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	FHA, VA	2	0.2%	100%	$225,000	View
Loan Simple, Inc.	FHA	2	0.2%	100%	$255,000
Top Flite Financial, Inc.	FHA	2	0.2%	100%	$270,000
HomeBridge Financial Services, Inc	FHA, HELOC	1 +1 HELOCs	0.1%	66.7%	$385,000
Better Mortgage Corporation	FHA, HELOC	1 +1 HELOCs	0.1%	33.3%	$395,000
Cornerstone First Mortgage, LLC	VA	1	0.1%	100%	$245,000
Cazle Mortgage, Inc.	VA	1	0.1%	100%	$255,000
Castle Rock Bank	Conventional	1	0.1%	100%	$305,000
Residential Wholesale Mortgage	FHA	1	0.1%	100%	$365,000
Primelending	Conventional	1	0.1%	100%	$215,000
Canopy Mortgage, LLC	FHA	1	0.1%	100%	$295,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$295,000
Nbkc Bank	Conventional	1	0.1%	100%	$345,000
Allied Mortgage Group, Inc	Conventional	1	0.1%	100%	$315,000
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	VA	1	0.1%	100%	$295,000	View
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$175,000
United Federal Credit Union A+5.0 ★Texas Ratio: 2.15%	Conventional	1	0.1%	100%	$365,000	View
Dollar Bank, FSB A+5.0 ★Texas Ratio: 5.29%	Conventional	1	0.1%	100%	$495,000	View
C&F Mortgage Corporation A+5.0 ★Texas Ratio: 4.11%	FHA	1	0.1%	100%	$255,000	View
Filo Mortgage, LLC	Conventional	1	0.1%	100%	$205,000
American Financial Network, Inc.	Conventional	1	0.1%	100%	$215,000
Fidelity Direct Mortgage, LLC	Conventional	1	0.1%	100%	$205,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0.1%	100%	$455,000	View
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$235,000	View
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	FHA	1	0.1%	100%	$435,000	View
NJ Lenders Corp	Conventional	1	0.1%	100%	$65,000
Credit Union Mortgage Associat	Conventional	1	0.1%	100%	$325,000
Northwest Federal Credit Union A+5.0 ★Texas Ratio: 1.69%	Conventional	1	0.1%	100%	$55,000	View
Kwik Mortgage Corporation	Conventional	1	0.1%	100%	$215,000
Legend Lending Corporation	FHA	1	0.1%	100%	$325,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$175,000
Heritage Financial Credit Union C-3.6 ★Texas Ratio: 31.27%	Conventional	1	0.1%	100%	$285,000	View
Churchill Mortgage Corporation	Conventional	1	0.1%	100%	$195,000
Provident Funding Associates	Conventional	1	0.1%	100%	$275,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$285,000	View
Franklin Loan Corporation	FHA	1	0.1%	100%	$235,000
Greenway Mortgage Funding Corp.	FHA	1	0.1%	100%	$225,000
Rapid Mortgage Company	Conventional	1	0.1%	100%	$575,000
Geneva Financial LLC	FHA	1	0.1%	100%	$305,000
New Fed Mortgage Corp.	VA	1	0.1%	100%	$305,000
Stockton Mortgage Corporation A+5.0 ★Texas Ratio: 0.21%	Conventional	1	0.1%	100%	$165,000	View
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$195,000
Nations Direct Mortgage, LLC	FHA	1	0.1%	100%	$125,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	100%	$385,000	View
Lower, LLC	Conventional	1	0.1%	50%	$105,000
Southwest Stage Funding LLC	FHA	1	0.1%	100%	$145,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional	1	0.1%	100%	$245,000	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	1	0.1%	50%	$75,000	View
Ark-La-Tex Financial Services LLC	VA	1	0.1%	100%	$365,000
American Neighborhood Mortgage Acceptance Company	FHA	1	0.1%	100%	$245,000
Sharonview Federal CU	HELOC	0 +23 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +6 HELOCs	0%	n/a		View
Figure Lending LLC	HELOC	0 +4 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	HELOC	0 +1 HELOCs	0%	n/a
Empeople Credit Union A+5.0 ★Texas Ratio: 5.75%	HELOC	0 +1 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Consumers Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Salisbury Mortgage Rate Trends

Daily average mortgage rates for North Carolina compared with the national average, updated every evening.

30-Year Fixed NC Avg

7.431%

▲ 0.109 vs 7 days ago

15-Year Fixed NC Avg

6.986%

▲ 0.082 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Salisbury, North Carolina

Looking for mortgage lenders near me or mortgage brokers near me in Salisbury? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Salisbury in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Salisbury, NC

Use these to narrow the list above. Each category shows how many Salisbury, NC lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 101 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 44 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 24 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 72 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 46 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 5 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 2 lenders. Loans above the conforming limit for higher priced homes Local lenders based in NC 22 lenders headquartered in North Carolina, the closest thing to a mortgage lender near you

Who Lends in Salisbury, NC

Independent mortgage companies closed 66.5 percent of home loans in Salisbury, North Carolina in 2025, banks 23.5 percent and credit unions 10 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, Farmers & Merchants Bank led with 23 loans.

66.5%

Mortgage companies

23.5%

Banks

10%

Credit unions

27%

FHA loans

14%

VA 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

All North Carolina lenders 1,003 lenders Charlotte 471 lenders Raleigh 368 lenders Durham 327 lenders Greensboro 278 lenders Fayetteville 241 lenders Winston-Salem 268 lenders Cary 268 lenders Concord 235 lenders Fuquay-Varina 224 lenders Apex 197 lenders Gastonia 197 lenders Wilmington 221 lenders

Frequently Asked Questions About Mortgage Lenders in Salisbury, NC

Who is the largest mortgage lender in Salisbury, NC?

By home loans closed in 2025, First National Bank of PA was the largest mortgage lender in Salisbury, North Carolina with 66 loans, about 6.2 percent of the market. The largest lender headquartered in North Carolina was Farmers & Merchants Bank with 23 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Salisbury, NC have the highest approval rates?

Among lenders with meaningful volume in Salisbury, North Carolina, Movement Mortgage, LLC approved the highest share of completed applications in 2025 at 100 percent, against a 80.7 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.

Which Salisbury, NC mortgage lenders offer FHA, VA and USDA loans?

72 lenders closed FHA loans in Salisbury, North Carolina in 2025, led by loanDepot.com LLC with 52. 46 lenders closed VA loans, led by Mortgage Research Center, and 5 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.

Are credit unions and local banks included in this Salisbury, NC lender list?

Yes. 44 banks and 24 credit unions closed home loans in Salisbury, North Carolina in 2025, alongside 101 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.

How are mortgage lenders in Salisbury, NC ranked on this page?

Lenders are ranked only by the number of home loans they closed in Salisbury, 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 Salisbury, 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 Salisbury. 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.