Mortgage Lenders and Brokers in Spring Lake, 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
Spring Lake, North Carolina mortgage lenders include Truist BankTruist Bank1066 N Bragg Blvd, Spring Lake, NC 28390A+5.0 ★Texas Ratio: 2.87%, PNC Bank N.A.PNC Bank N.A.121 Nc Highway 87 N, Spring Lake, NC 28390A+5.0 ★Texas Ratio: 4.24%, Bank of America NABank of America NA1109 N Bragg Blvd, Spring Lake, NC 28390A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1007 Beaver Creek Commons Dr, Apex, NC 27502A+5.0 ★Texas Ratio: 3.68%, State Employees' Credit UnionState Employees' Credit Union1125 ACADEMY ST N, AHOSKIE, NC 27910A-5.0 ★Texas Ratio: 14.13%, Lumbee Guaranty BankLumbee Guaranty Bank301 N Walnut St, Fairmont, NC 28340A+5.0 ★Texas Ratio: 1.73%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust351 N 1st St, Albemarle, NC 28001A5.0 ★Texas Ratio: 7.72%, United Community BankUnited Community Bank732 Main St, Andrews, NC 28901A+5.0 ★Texas Ratio: 2.97%, AAFMAA Mortgage Services LLCAAFMAA Mortgage Services LLCCary, NC, and The Central Trust BankThe Central Trust BankA+5.0 ★Texas Ratio: 3.12%. 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 Spring Lake, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Spring Lake 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 Spring Lake, North Carolina
Market share is the lender's share of all home loans closed in Spring Lake, 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 stars, 1 review 1 office in Spring Lake 1066 N Bragg Blvd, Spring Lake, NC 28390 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 6 | 4.6% | 75% | $80,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Spring Lake 121 Nc Highway 87 N, Spring Lake, NC 28390 A+5.0 ★Texas Ratio: 4.24% |
VA, HELOC | 1 +3 HELOCs |
0.8% | 100% | $245,000 | View |
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1 office in Spring Lake 1109 N Bragg Blvd, Spring Lake, NC 28390 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1.5% | 100% | $130,000 | View |
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1125 ACADEMY ST N, AHOSKIE, NC 27910 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 1 +1 HELOCs |
0.8% | 100% | $45,000 | View |
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★ 5 stars, 1 review 301 N Walnut St, Fairmont, NC 28340 A+5.0 ★Texas Ratio: 1.73% |
Conventional | 1 | 0.8% | 100% | $175,000 | View |
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351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72% |
Conventional | 1 | 0.8% | 50% | $25,000 | View |
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732 Main St, Andrews, NC 28901 A+5.0 ★Texas Ratio: 2.97% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
AAFMAA Mortgage Services LLC
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VA | 1 | 0.8% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 3.12% |
Conventional | 1 | 0.8% | 100% | $185,000 | View |
Goprime Mortgage, Inc.
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FHA | 1 | 0.8% | 100% | $175,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 15 | 11.5% | 62.5% | $129,666 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 13 | 9.9% | 76.5% | $211,923 | |
Mortgage Research Center
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FHA, VA | 12 | 9.2% | 72.2% | $198,333 | |
Freedom Mortgage Corporation
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VA | 9 | 6.9% | 83.3% | $255,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 8 +1 HELOCs |
6.1% | 100% | $217,500 | |
loanDepot.com LLC
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FHA, VA | 5 | 3.8% | 85.7% | $201,000 | |
Pennymac Loan Services LLC
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VA | 5 | 3.8% | 71.4% | $245,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
VA | 5 | 3.8% | 100% | $305,000 | View |
Guaranteed Rate, Inc.
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VA | 3 | 2.3% | 100% | $201,666 | |
Mortgage Solutions of Colorado
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VA | 3 | 2.3% | 100% | $241,666 | |
Goodleap, LLC
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VA | 2 | 1.5% | 100% | $260,000 | |
Newrez LLC
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VA | 2 | 1.5% | 66.7% | $250,000 | |
CrossCountry Mortgage, LLC
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VA | 2 | 1.5% | 100% | $235,000 | |
United Trust Bank
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VA | 2 | 1.5% | 100% | $145,000 | |
Guild Mortgage Company
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Conventional | 2 | 1.5% | 100% | $95,000 | |
Union Home Mortgage Corp.
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VA | 2 | 1.5% | 100% | $265,000 | |
Nfm, Inc
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Conventional, VA | 2 | 1.5% | 100% | $200,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.5% | 66.7% | $95,000 | |
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A+5.0 ★Texas Ratio: 3.36% |
VA | 1 | 0.8% | 100% | $225,000 | View |
ALCOVA Mortgage, LLC
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FHA | 1 | 0.8% | 50% | $335,000 | |
Movement Mortgage, LLC
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VA | 1 | 0.8% | 100% | $255,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.8% | 50% | $295,000 | |
American Financial Network, Inc.
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VA | 1 | 0.8% | 100% | $215,000 | |
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A5.0 ★Texas Ratio: 13.21% |
FHA | 1 | 0.8% | 100% | $195,000 | View |
American Financing Corporation
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Conventional | 1 | 0.8% | 33.3% | $65,000 | |
Homeowners Financial Group, LLC
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Conventional | 1 | 0.8% | 100% | $155,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.8% | 33.3% | $185,000 | View |
Atlantic Bay Mortgage Group
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VA | 1 | 0.8% | 100% | $315,000 | |
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A4.7 ★Texas Ratio: 0.83% |
Conventional | 1 | 0.8% | 100% | $195,000 | View |
BoxCar Mortgage, LLC
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VA | 1 | 0.8% | 100% | $185,000 | |
Prosperity Home Mortgage, LLC
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VA | 1 | 0.8% | 100% | $205,000 | |
New American Funding, LLC.
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VA | 1 | 0.8% | 50% | $315,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.8% | 33.3% | $225,000 | View |
Paramount Residential Mortgage
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VA | 1 | 0.8% | 100% | $305,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.8% | 20% | $65,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.8% | 100% | $165,000 | |
Texana Bank
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VA | 1 | 0.8% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
FHA | 1 | 0.8% | 100% | $155,000 | View |
Village Capital & Investment
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VA | 1 | 0.8% | 100% | $325,000 | |
American Neighborhood Mortgage Acceptance Company
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FHA | 1 | 0.8% | 100% | $175,000 | |
Ithink Financial Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Spring Lake 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 Spring Lake, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Spring Lake? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Spring Lake in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Spring Lake, NC
Use these to narrow the list above. Each category shows how many Spring Lake, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Spring Lake, NC
Independent mortgage companies closed 74 percent of home loans in Spring Lake, North Carolina in 2025, banks 18.3 percent and credit unions 7.6 percent. AAFMAA Mortgage Services LLC 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 6 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 Spring Lake, NC
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Spring Lake, North Carolina with 6 loans, about 4.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
10 lenders closed FHA loans in Spring Lake, North Carolina in 2025, led by Rocket Mortgage with 9. 30 lenders closed VA loans, led by Mortgage Research Center. 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. 15 banks and 4 credit unions closed home loans in Spring Lake, North Carolina in 2025, alongside 33 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 Spring Lake, 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 Spring Lake, 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 Spring Lake. 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.
