Mortgage Lenders and Brokers in Spout Springs, 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
Spout Springs, North Carolina mortgage lenders include State Employees' Credit UnionState Employees' Credit Union1125 ACADEMY ST N, AHOSKIE, NC 27910A-5.0 ★Texas Ratio: 14.13%, Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%, 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%, The Fidelity BankThe Fidelity Bank804 E Williams St, Apex, NC 27502A+5.0 ★Texas Ratio: 3.02%, PNC Bank N.A.PNC Bank N.A.102 Church St E, Ahoskie, NC 27910A+5.0 ★Texas Ratio: 4.24%, Fifth Third Bank, National AssociationFifth Third Bank, National Association1121 Moncure Place, Apex, NC 27523A+5.0 ★Texas Ratio: 3.22%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust351 N 1st St, Albemarle, NC 28001A5.0 ★Texas Ratio: 7.72%, First BankFirst Bank105 S Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 1.94%, and US Bank, N.A.US Bank, N.A.8334 Pineville Matthews Rd, Charlotte, NC 28226A+5.0 ★Texas Ratio: 2.85%. 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 Spout Springs, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Spout Springs 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 Spout Springs, North Carolina
Market share is the lender's share of all home loans closed in Spout Springs, 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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1125 ACADEMY ST N, AHOSKIE, NC 27910 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 8 +11 HELOCs |
1.1% | 80% | $190,000 | View |
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5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional, VA | 4 | 0.6% | 100% | $260,000 | View |
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303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 3 +1 HELOCs |
0.4% | 100% | $168,333 | View |
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★ 1 stars, 1 review 1803 N Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 2 +4 HELOCs |
0.3% | 100% | $150,000 | View |
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804 E Williams St, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.02% |
Conventional, HELOC | 2 +2 HELOCs |
0.3% | 100% | $215,000 | 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, VA | 2 | 0.3% | 100% | $315,000 | View |
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1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +3 HELOCs |
0.1% | 100% | $25,000 | View |
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351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 50% | $405,000 | View |
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105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94% |
USDA, HELOC | 1 +2 HELOCs |
0.1% | 50% | $285,000 | View |
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8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.1% | 50% | $255,000 | View |
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★ 5 stars, 1 review 5361 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.76% |
VA | 1 | 0.1% | 100% | $315,000 | View |
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835 Highway 70 West, Garner, NC 27529 A+5.0 ★Texas Ratio: 1.77% |
FHA | 1 | 0.1% | 100% | $255,000 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
HELOC | 0 +3 HELOCs |
0% | n/a | ||
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1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
American Security Mortgage Cor
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Conventional, FHA, VA | 12 | 1.7% | 92.3% | $295,833 | |
Goprime Mortgage, Inc.
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Conventional, VA | 4 | 0.6% | 100% | $362,500 | |
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A+5.0 ★Texas Ratio: 3.12% |
Conventional, VA | 2 | 0.3% | 66.7% | $310,000 | View |
AgCarolina Farm Credit, ACA
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Conventional | 1 | 0.1% | 100% | $145,000 | |
Premier Lending Inc.
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Conventional | 1 | 0.1% | 100% | $365,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 54 +1 HELOCs |
7.7% | 85.3% | $315,185 | |
Rocket Mortgage
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Conventional, FHA, VA | 53 | 7.6% | 90% | $239,905 | |
Freedom Mortgage Corporation
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FHA, VA | 52 | 7.5% | 88.2% | $355,769 | |
Mortgage Research Center
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Conventional, VA | 51 | 7.3% | 85.5% | $307,352 | |
Jet HomeLoans, LP
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Conventional, FHA, VA | 44 | 6.3% | 100% | $397,954 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 36 +10 HELOCs |
5.2% | 80.4% | $232,777 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, USDA | 20 | 2.9% | 100% | $328,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 19 | 2.7% | 95% | $346,578 | |
loanDepot.com LLC
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Conventional, FHA, VA | 19 | 2.7% | 73.1% | $273,421 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 18 | 2.6% | 95% | $333,333 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA | 18 | 2.6% | 100% | $358,888 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 15 | 2.2% | 37.5% | $121,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
FHA, VA, USDA | 14 | 2% | 100% | $298,571 | View |
Nvr Mortgage Finance, Inc.
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Conventional, FHA, VA, USDA | 14 | 2% | 93.3% | $220,714 | |
New American Funding, LLC.
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Conventional, FHA, VA | 14 | 2% | 93.3% | $202,142 | |
Union Home Mortgage Corp.
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Conventional, VA | 13 | 1.9% | 100% | $401,153 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 11 | 1.6% | 61.1% | $312,272 | View |
Newrez LLC
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FHA, VA, USDA | 10 | 1.4% | 100% | $279,000 | |
Nfm, Inc
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Conventional, FHA, VA | 10 | 1.4% | 83.3% | $333,000 | |
Nationstar Mortgage
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Conventional, FHA, VA | 9 | 1.3% | 64.3% | $269,444 | |
Village Capital & Investment
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FHA, VA | 9 | 1.3% | 100% | $347,222 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 7 | 1% | 100% | $323,571 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA | 6 | 0.9% | 100% | $261,666 | |
Keystone Funding, Inc
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Conventional, FHA, VA | 5 | 0.7% | 100% | $343,000 | |
Carrington Mortgage Services LLC
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FHA, VA | 5 | 0.7% | 50% | $327,000 | |
Cmg Mortgage Inc
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VA | 4 | 0.6% | 100% | $407,500 | |
Sun West Mortgage Company, Inc
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FHA, VA | 4 | 0.6% | 80% | $312,500 | |
T2 Financial LLC
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FHA, VA | 4 | 0.6% | 100% | $327,500 | |
Mutual of Omaha Mortgage
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VA | 4 | 0.6% | 100% | $362,500 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, FHA, VA | 4 | 0.6% | 100% | $270,000 | View |
Lakeview Loan Servicing, LLC
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Conventional, VA | 3 | 0.4% | 50% | $271,666 | |
Nbkc Bank
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VA | 3 | 0.4% | 75% | $381,666 | |
Kind Lending, LLC
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VA | 3 | 0.4% | 100% | $345,000 | |
Allied Mortgage Group, Inc
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Conventional, FHA, VA | 3 | 0.4% | 100% | $265,000 | |
Amerisave Mortgage Company
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Conventional, FHA, VA | 3 | 0.4% | 37.5% | $188,333 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional, FHA | 3 | 0.4% | 100% | $585,000 | View |
New Day Financial, LLC.
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VA | 3 | 0.4% | 42.9% | $321,666 | |
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A4.7 ★Texas Ratio: 0.83% |
VA | 3 | 0.4% | 100% | $261,666 | View |
Towne Mortgage Company
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Conventional, VA | 3 | 0.4% | 100% | $325,000 | |
Equity Resources Inc
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Conventional, FHA | 2 | 0.3% | 100% | $215,000 | |
Primelending
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VA | 2 | 0.3% | 100% | $375,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 2 | 0.3% | 50% | $250,000 | |
ALCOVA Mortgage, LLC
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VA | 2 | 0.3% | 100% | $340,000 | |
Loanunited.Com, LLC
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VA | 2 | 0.3% | 100% | $380,000 | |
Guild Mortgage Company
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Conventional, USDA | 2 | 0.3% | 100% | $230,000 | |
AdvantageFirst Lending Inc
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VA | 2 | 0.3% | 66.7% | $270,000 | |
HomeBridge Financial Services, Inc
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VA | 2 | 0.3% | 100% | $390,000 | |
Homeowners Financial Group, LLC
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Conventional, FHA | 2 | 0.3% | 100% | $70,000 | |
Encompass Lending Group, L.P.
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VA | 2 | 0.3% | 100% | $305,000 | |
Planet Home Lending, LLC
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VA | 2 | 0.3% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
VA | 2 | 0.3% | 100% | $450,000 | View |
BoxCar Mortgage, LLC
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FHA, VA | 2 | 0.3% | 100% | $345,000 | |
V.I.P. Mortgage, Inc.
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Conventional, VA | 2 | 0.3% | 100% | $295,000 | |
Mortgage Solutions of Colorado
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VA | 2 | 0.3% | 100% | $390,000 | |
Zillow Home Loans, LLC
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Conventional, VA | 2 | 0.3% | 66.7% | $365,000 | |
The Loan Store, Inc
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Conventional | 2 | 0.3% | 100% | $250,000 | |
Fairway Independent Mort Corp
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FHA, VA | 2 | 0.3% | 100% | $220,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, VA | 2 | 0.3% | 100% | $165,000 | |
Pentagon Federal Credit Union
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VA, HELOC | 1 +2 HELOCs |
0.1% | 100% | $305,000 | |
Goodleap, LLC
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VA, HELOC | 1 +1 HELOCs |
0.1% | 100% | $295,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 25% | $65,000 | |
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A5.0 ★Texas Ratio: 13.21% |
VA | 1 | 0.1% | 100% | $285,000 | View |
Cornerstone First Mortgage, LLC
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VA | 1 | 0.1% | 100% | $235,000 | |
American Financial Resources LLC
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Conventional | 1 | 0.1% | 100% | $265,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.1% | 100% | $325,000 | |
PHH Mortgage Corporation
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VA | 1 | 0.1% | 100% | $545,000 | |
United Trust Bank
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VA | 1 | 0.1% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.1% | 100% | $265,000 | View |
Resicentral LLC
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Conventional | 1 | 0.1% | 100% | $335,000 | |
City Lending Inc.
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FHA | 1 | 0.1% | 100% | $255,000 | |
Fortera Federal Credit Union
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VA | 1 | 0.1% | 100% | $245,000 | |
Michigan Mutual, Inc
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Conventional | 1 | 0.1% | 100% | $105,000 | |
First Alliance Home Mortgage, LLC
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FHA | 1 | 0.1% | 100% | $225,000 | |
Credit Union Mortgage Associat
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Conventional | 1 | 0.1% | 100% | $125,000 | |
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A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 0.1% | 100% | $115,000 | View |
Click n' Close, Inc.
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VA | 1 | 0.1% | 100% | $695,000 | |
American Financing Corporation
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FHA | 1 | 0.1% | 50% | $265,000 | |
CityWorth Mortgage LLC
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VA | 1 | 0.1% | 100% | $255,000 | |
Provident Funding Associates
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Conventional | 1 | 0.1% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.1% | 100% | $405,000 | View |
Nations Lending Corporation
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FHA | 1 | 0.1% | 100% | $165,000 | |
Integrity Home Mortgage Corporation
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VA | 1 | 0.1% | 100% | $285,000 | |
Inspire Home Loans Inc.
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VA | 1 | 0.1% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.1% | 100% | $75,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
VA | 1 | 0.1% | 100% | $475,000 | View |
Mission Loans, LLC
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Conventional | 1 | 0.1% | 100% | $105,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
VA | 1 | 0.1% | 100% | $485,000 | View |
Pike Creek Mortgage Services, Inc.
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Conventional | 1 | 0.1% | 100% | $365,000 | |
Nations Direct Mortgage, LLC
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VA | 1 | 0.1% | 100% | $375,000 | |
Prosperity Home Mortgage, LLC
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VA | 1 | 0.1% | 100% | $585,000 | |
Lower, LLC
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VA | 1 | 0.1% | 100% | $365,000 | |
Florida Capital Bank, N.A
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VA | 1 | 0.1% | 100% | $345,000 | |
21St Mortgage
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Conventional | 1 | 0.1% | 40% | $75,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.1% | 100% | $75,000 | View |
Paramount Residential Mortgage
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FHA | 1 | 0.1% | 100% | $175,000 | |
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A5.0 ★Texas Ratio: 9.09% |
VA | 1 | 0.1% | 100% | $255,000 | View |
Texana Bank
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FHA | 1 | 0.1% | 100% | $285,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Gte Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Spout Springs 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 Spout Springs, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Spout Springs? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Spout Springs in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Spout Springs, NC
Use these to narrow the list above. Each category shows how many Spout Springs, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Spout Springs, NC
Independent mortgage companies closed 83.1 percent of home loans in Spout Springs, North Carolina in 2025, banks 10 percent and credit unions 6.9 percent. American Security Mortgage Cor was the largest mortgage company, Wells Fargo Bank NA the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, State Employees' Credit Union led with 8 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 Spout Springs, NC
By home loans closed in 2025, State Employees' Credit Union was the largest mortgage lender in Spout Springs, North Carolina with 8 loans, about 1.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Spout Springs, North Carolina, Rocket Mortgage approved the highest share of completed applications in 2025 at 90 percent, against a 84.8 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.
40 lenders closed FHA loans in Spout Springs, North Carolina in 2025, led by United Wholesale Mortgage with 12. 77 lenders closed VA loans, led by Mortgage Research Center, and 6 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. 31 banks and 10 credit unions closed home loans in Spout Springs, North Carolina in 2025, alongside 80 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 Spout Springs, 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 Spout Springs, 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 Spout Springs. 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.
