Mortgage Lenders and Brokers in Southern Pines, 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
Southern Pines, North Carolina mortgage lenders include First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust148 N Saylor St, Southern Pines, NC 28387A5.0 ★Texas Ratio: 7.72%, First BankFirst Bank205 Se Broad St, Southern Pines, NC 28387A+5.0 ★Texas Ratio: 1.94%, Truist BankTruist Bank200 Sw Broad St, Southern Pines, NC 28387A+5.0 ★Texas Ratio: 2.87%, First National Bank of PAFirst National Bank of PA185 W Morganton Rd, Southern Pines, NC 28387A+5.0 ★Texas Ratio: 1.62%, The Fidelity BankThe Fidelity Bank985 Old Us Hwy 1, Southern Pines, NC 28387A+5.0 ★Texas Ratio: 3.02%, Bank of America NABank of America NA105 W Morganton Rd, Southern Pines, NC 28387A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA10796 S Us Highway 15 501, Southern Pines, NC 28387A+5.0 ★Texas Ratio: 5.36%, First Horizon BankFirst Horizon Bank495 Pinehurst Ave, Southern Pines, NC 28387A+5.0 ★Texas Ratio: 5.76%, State Employees' Credit UnionState Employees' Credit Union474 PINEHURST AVE, SOUTHERN PINES, NC 28387A-5.0 ★Texas Ratio: 14.13%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1007 Beaver Creek Commons Dr, Apex, NC 27502A+5.0 ★Texas Ratio: 3.68%. 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 Southern Pines, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Southern Pines 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 Southern Pines, North Carolina
Market share is the lender's share of all home loans closed in Southern Pines, 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 Southern Pines 148 N Saylor St, Southern Pines, NC 28387 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo, HELOC | 14 +12 HELOCs |
3.2% | 87.5% | $707,857 | View |
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2 offices in Southern Pines 205 Se Broad St, Southern Pines, NC 28387 A+5.0 ★Texas Ratio: 1.94% |
Conventional, VA, Jumbo, HELOC | 7 +28 HELOCs |
1.6% | 100% | $657,857 | View |
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★ 1 stars, 1 review 1 office in Southern Pines 200 Sw Broad St, Southern Pines, NC 28387 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo, HELOC | 6 +4 HELOCs |
1.4% | 100% | $523,333 | View |
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1 office in Southern Pines 185 W Morganton Rd, Southern Pines, NC 28387 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 4 +3 HELOCs |
0.9% | 80% | $247,500 | View |
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1 office in Southern Pines 985 Old Us Hwy 1, Southern Pines, NC 28387 A+5.0 ★Texas Ratio: 3.02% |
Conventional, HELOC | 3 +8 HELOCs |
0.7% | 100% | $488,333 | View |
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1 office in Southern Pines 105 W Morganton Rd, Southern Pines, NC 28387 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 3 +8 HELOCs |
0.7% | 100% | $695,000 | View |
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1 office in Southern Pines 10796 S Us Highway 15 501, Southern Pines, NC 28387 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 0.7% | 100% | $458,333 | View |
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★ 5 stars, 1 review 1 office in Southern Pines 495 Pinehurst Ave, Southern Pines, NC 28387 A+5.0 ★Texas Ratio: 5.76% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,335,000 | View |
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474 PINEHURST AVE, SOUTHERN PINES, NC 28387 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 12 +16 HELOCs |
2.8% | 80% | $272,500 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 3 | 0.7% | 100% | $931,666 | View |
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103 N 2nd St, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 3.04% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.5% | 100% | $1,755,000 | 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 | 1 +6 HELOCs |
0.2% | 100% | $385,000 | View |
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3158 S Church Street, Burlington, NC 27215 A5.0 ★Texas Ratio: 11.24% |
Conventional | 1 | 0.2% | 100% | $305,000 | View |
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909 S Main St, Laurinburg, NC 28352 A+5.0 ★Texas Ratio: 0.91% |
Conventional | 1 | 0.2% | 100% | $525,000 | View |
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101 S Tryon St, Charlotte, NC 28280 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.2% | 100% | $265,000 | View |
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2821 Crisman St, Charlotte, NC 28208 A+5.0 ★Texas Ratio: 3.27% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
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Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
Conventional | 1 | 0.2% | 100% | $375,000 | |
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★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.2% | 100% | $725,000 | View |
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800 Highway 24 27 Bypass, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 0.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Goprime Mortgage, Inc.
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Conventional, FHA, VA | 18 | 4.2% | 94.7% | $437,222 | |
American Security Mortgage Cor
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Conventional, VA | 5 | 1.2% | 100% | $425,000 | |
Nfm, Inc
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Conventional, FHA, VA, Jumbo | 44 | 10.2% | 100% | $430,909 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 36 | 8.4% | 92.3% | $394,444 | |
Rocket Mortgage
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Conventional, FHA, VA | 28 | 6.5% | 90.3% | $313,214 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 18 | 4.2% | 100% | $447,777 | |
Pennymac Loan Services LLC
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Conventional, VA, Jumbo | 17 | 3.9% | 94.7% | $489,117 | |
Freedom Mortgage Corporation
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FHA, VA | 15 | 3.5% | 94.4% | $430,333 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, HELOC | 12 +2 HELOCs |
2.8% | 93.3% | $463,333 | |
Cmg Mortgage Inc
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Conventional, VA | 11 | 2.6% | 100% | $429,545 | |
Mortgage Research Center
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Conventional, VA | 11 | 2.6% | 52.4% | $437,727 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 9 +1 HELOCs |
2.1% | 84.6% | $403,888 | |
Union Home Mortgage Corp.
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Conventional, VA | 9 | 2.1% | 100% | $466,111 | |
Guaranteed Rate, Inc.
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Conventional, VA | 7 | 1.6% | 100% | $473,571 | |
ALCOVA Mortgage, LLC
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Conventional, VA, Jumbo | 7 | 1.6% | 100% | $522,142 | |
Prosperity Home Mortgage, LLC
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Conventional, VA, Jumbo | 7 | 1.6% | 88.9% | $466,428 | |
Newrez LLC
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VA | 6 | 1.4% | 100% | $420,000 | |
Residential Wholesale Mortgage
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Conventional, VA, Jumbo | 5 | 1.2% | 100% | $839,000 | |
Credit Union Mortgage Associat
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Conventional, VA | 5 | 1.2% | 100% | $299,000 | |
Nationstar Mortgage
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Conventional, VA | 4 | 0.9% | 100% | $205,000 | |
Mutual of Omaha Mortgage
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Conventional, VA | 4 | 0.9% | 100% | $405,000 | |
Fairway Independent Mort Corp
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Conventional, VA | 4 | 0.9% | 100% | $487,500 | |
Spring Eq, LLC
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Conventional | 4 | 0.9% | 50% | $140,000 | |
Lakeview Loan Servicing, LLC
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Conventional, VA | 3 | 0.7% | 71.4% | $291,666 | |
Amerisave Mortgage Company
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Conventional, FHA | 3 | 0.7% | 50% | $235,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 3 | 0.7% | 42.9% | $478,333 | View |
Village Capital & Investment
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VA | 3 | 0.7% | 75% | $441,666 | |
loanDepot.com LLC
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Conventional, VA | 2 | 0.5% | 50% | $230,000 | |
NJ Lenders Corp
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Conventional | 2 | 0.5% | 100% | $465,000 | |
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A+5.0 ★Texas Ratio: 0.01% |
Conventional, VA | 2 | 0.5% | 100% | $335,000 | View |
Atlantic Bay Mortgage Group
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VA, Jumbo | 2 | 0.5% | 100% | $855,000 | |
T2 Financial LLC
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Conventional | 2 | 0.5% | 66.7% | $315,000 | |
Better Mortgage Corporation
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Conventional | 2 | 0.5% | 100% | $85,000 | |
New American Funding, LLC.
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VA, Jumbo | 2 | 0.5% | 100% | $820,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 2 | 0.5% | 100% | $1,090,000 | View |
Carrington Mortgage Services LLC
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Conventional, VA | 2 | 0.5% | 100% | $210,000 | |
Service Federal Credit Union
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VA, HELOC | 1 +1 HELOCs |
0.2% | 100% | $335,000 | |
Pentagon Federal Credit Union
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VA, HELOC | 1 +1 HELOCs |
0.2% | 50% | $585,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.2% | 100% | $465,000 | View |
Cornerstone First Mortgage, LLC
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Conventional, Jumbo | 1 | 0.2% | 100% | $995,000 | |
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A+5.0 ★Texas Ratio: 0.37% |
Conventional | 1 | 0.2% | 100% | $545,000 | View |
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C3.9 ★Texas Ratio: 27.97% |
Conventional | 1 | 0.2% | 100% | $625,000 | View |
American Financial Resources LLC
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Conventional | 1 | 0.2% | 100% | $385,000 | |
Primelending
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Conventional | 1 | 0.2% | 100% | $635,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
VA | 1 | 0.2% | 100% | $305,000 | View |
SWBC Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $245,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.2% | 100% | $595,000 | |
Nbkc Bank
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VA | 1 | 0.2% | 100% | $565,000 | |
Norwich Commercial Group Inc
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Conventional | 1 | 0.2% | 100% | $545,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $325,000 | |
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A5.0 ★Texas Ratio: 13.85% |
VA | 1 | 0.2% | 100% | $335,000 | View |
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A+5.0 ★Texas Ratio: 2.43% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
Peapack Private Bank & Trust
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Conventional | 1 | 0.2% | 100% | $285,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.2% | 100% | $465,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
VA | 1 | 0.2% | 100% | $375,000 | View |
Valley West Corporation
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VA | 1 | 0.2% | 100% | $445,000 | |
Success Mortgage Partners, Inc
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FHA | 1 | 0.2% | 100% | $205,000 | |
Discover Bank
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Conventional | 1 | 0.2% | 50% | $65,000 | |
Sun West Mortgage Company, Inc
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VA | 1 | 0.2% | 100% | $275,000 | |
Hightechlending, Inc
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Conventional | 1 | 0.2% | 100% | $475,000 | |
Bank Fund Staff Federal Credit
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Conventional | 1 | 0.2% | 100% | $245,000 | |
American Financing Corporation
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Conventional | 1 | 0.2% | 50% | $55,000 | |
Total Mortgage Services, LLC
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,085,000 | |
Congressional Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $165,000 | |
Calcon Mutual Mortgage LLC
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VA | 1 | 0.2% | 100% | $545,000 | |
New Day Financial, LLC.
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VA | 1 | 0.2% | 50% | $365,000 | |
Beeline Loans, Inc.
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Conventional | 1 | 0.2% | 100% | $615,000 | |
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A+5.0 ★Texas Ratio: 4.86% |
Conventional | 1 | 0.2% | 100% | $495,000 | View |
Churchill Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $75,000 | |
Encompass Lending Group, L.P.
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VA, Jumbo | 1 | 0.2% | 100% | $1,255,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.2% | 100% | $345,000 | View |
Provident Funding Associates
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Mortgage Equity Partners LLC
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Conventional | 1 | 0.2% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 0.2% | 100% | $405,000 | View |
Direct Mortgage Loans, LLC
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Conventional | 1 | 0.2% | 100% | $765,000 | |
Milend, Inc
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FHA | 1 | 0.2% | 100% | $365,000 | |
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A4.7 ★Texas Ratio: 0.83% |
Conventional | 1 | 0.2% | 100% | $585,000 | View |
Acopia, LLC
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VA, Jumbo | 1 | 0.2% | 100% | $965,000 | |
Jams-01 Inc dba Home Savings & Trust Mortgage
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VA | 1 | 0.2% | 100% | $405,000 | |
Keystone Funding, Inc
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VA | 1 | 0.2% | 100% | $665,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.2% | 100% | $125,000 | View |
Lower, LLC
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Conventional | 1 | 0.2% | 100% | $105,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.2% | 100% | $65,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
VA | 1 | 0.2% | 100% | $425,000 | View |
Champions Funding, LLC
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Conventional, Jumbo | 1 | 0.2% | 100% | $885,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
TowneBank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Southern Pines 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 Southern Pines, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Southern Pines? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Southern Pines in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Southern Pines, NC
Use these to narrow the list above. Each category shows how many Southern Pines, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Southern Pines, NC
Independent mortgage companies closed 75.4 percent of home loans in Southern Pines, North Carolina in 2025, banks 17.2 percent and credit unions 7.4 percent. Goprime Mortgage, Inc. 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 14 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 Southern Pines, NC
By home loans closed in 2025, First Ciitizens Bank and Trust was the largest mortgage lender in Southern Pines, North Carolina with 14 loans, about 3.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
10 lenders closed FHA loans in Southern Pines, North Carolina in 2025, led by Goprime Mortgage, Inc. with 1. 47 lenders closed VA loans, led by United Wholesale Mortgage. 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. 39 banks and 9 credit unions closed home loans in Southern Pines, North Carolina in 2025, alongside 63 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 Southern Pines, 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 Southern Pines, 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 Southern Pines. 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.
