Mortgage Lenders and Brokers in Spruce Pine, 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
Spruce Pine, North Carolina mortgage lenders include United Community BankUnited Community Bank800 Summit Ave, Spruce Pine, NC 28777A+5.0 ★Texas Ratio: 2.97%, State Employees' Credit UnionState Employees' Credit Union10956 S 226 HWY, SPRUCE PINE, NC 28777A-5.0 ★Texas Ratio: 14.13%, Truist BankTruist Bank1803 N Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 2.87%, US Bank, N.A.US Bank, N.A.8334 Pineville Matthews Rd, Charlotte, NC 28226A+5.0 ★Texas Ratio: 2.85%, Regions BankRegions Bank1045 Providence Rd, Charlotte, NC 28207A+5.0 ★Texas Ratio: 4.37%, Truliant Federal Credit UnionTruliant Federal Credit Union1055 E Dixie Dr, Asheboro, NC 27203A5.0 ★Texas Ratio: 6.43%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust351 N 1st St, Albemarle, NC 28001A5.0 ★Texas Ratio: 7.72%, Fifth Third Bank, National AssociationFifth Third Bank, National Association1121 Moncure Place, Apex, NC 27523A+5.0 ★Texas Ratio: 3.22%, TD BankTD Bank335 New Leicester Hwy, Asheville, NC 28806A+5.0 ★Texas Ratio: 3.71%, and Bank of America NABank of America NA5496 Apex Peakway, Apex, NC 27502A+5.0 ★Texas Ratio: 4.14%. 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 Spruce Pine, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Spruce Pine 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 Spruce Pine, North Carolina
Market share is the lender's share of all home loans closed in Spruce Pine, 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 Spruce Pine 800 Summit Ave, Spruce Pine, NC 28777 A+5.0 ★Texas Ratio: 2.97% |
Conventional, FHA, USDA, HELOC | 18 +14 HELOCs |
14.1% | 72% | $293,888 | View |
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10956 S 226 HWY, SPRUCE PINE, NC 28777 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 25 +10 HELOCs |
19.5% | 65% | $207,400 | 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 | 1 +1 HELOCs |
0.8% | 100% | $255,000 | View |
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8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
FHA | 1 | 0.8% | 100% | $215,000 | View |
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1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.8% | 100% | $275,000 | View |
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1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43% |
Conventional | 1 | 0.8% | 100% | $85,000 | View |
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351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72% |
Conventional | 1 | 0.8% | 50% | $405,000 | View |
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1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.8% | 100% | $455,000 | View |
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335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 1 | 0.8% | 100% | $75,000 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 102 Church St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
AgSouth Farm Credit
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Conventional | 1 | 0.8% | 100% | $425,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 16 | 12.5% | 66.7% | $238,125 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 11 | 8.6% | 84.6% | $318,636 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 4 | 3.1% | 100% | $200,000 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA | 4 | 3.1% | 100% | $180,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 4 | 3.1% | 54.5% | $132,500 | |
Movement Mortgage, LLC
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Conventional, VA, USDA | 3 | 2.3% | 100% | $218,333 | |
Nationstar Mortgage
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Conventional, VA | 3 | 2.3% | 100% | $325,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 1.6% | 100% | $340,000 | View |
Mortgage Research Center
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VA | 2 | 1.6% | 100% | $430,000 | |
Better Mortgage Corporation
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Conventional | 2 | 1.6% | 100% | $160,000 | |
New American Funding, LLC.
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Conventional | 2 | 1.6% | 66.7% | $175,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 2 | 1.6% | 100% | $255,000 | |
Ruoff Mortgage Company
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Conventional | 1 | 0.8% | 100% | $285,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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FHA | 1 | 0.8% | 100% | $185,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.8% | 50% | $175,000 | |
Gvc Mortgage, Inc.
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FHA | 1 | 0.8% | 100% | $415,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.8% | 100% | $295,000 | |
ALCOVA Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $235,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $105,000 | |
Howard Hanna Financial Services, Inc
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Conventional | 1 | 0.8% | 100% | $265,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.8% | 100% | $65,000 | |
Strong Home Mortgage, LLC
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VA | 1 | 0.8% | 100% | $345,000 | |
New Day Financial, LLC.
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VA | 1 | 0.8% | 50% | $245,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.8% | 100% | $115,000 | |
T2 Financial LLC
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Conventional | 1 | 0.8% | 100% | $235,000 | |
BoxCar Mortgage, LLC
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VA | 1 | 0.8% | 100% | $205,000 | |
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A5.0 ★Texas Ratio: 6.31% |
Conventional | 1 | 0.8% | 66.7% | $435,000 | |
Rapid Mortgage Company
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Conventional | 1 | 0.8% | 100% | $645,000 | |
Sente Mortgage, Inc.
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FHA | 1 | 0.8% | 100% | $265,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 0.8% | 100% | $365,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.8% | 100% | $25,000 | |
21St Mortgage
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Conventional | 1 | 0.8% | 25% | $85,000 | |
Reliance First Capital, LLC
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VA | 1 | 0.8% | 100% | $225,000 | |
Top Flite Financial, Inc.
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VA | 1 | 0.8% | 100% | $335,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
loanDepot.com LLC
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Eastman Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Spruce Pine 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 Spruce Pine, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Spruce Pine? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Spruce Pine in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Spruce Pine, NC
Use these to narrow the list above. Each category shows how many Spruce Pine, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Spruce Pine, NC
Independent mortgage companies closed 57.8 percent of home loans in Spruce Pine, North Carolina in 2025, banks 20.3 percent and credit unions 21.9 percent. AgSouth Farm Credit was the largest mortgage company, United Community Bank the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, State Employees' Credit Union led with 25 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 Spruce Pine, NC
By home loans closed in 2025, United Community Bank was the largest mortgage lender in Spruce Pine, North Carolina with 18 loans, about 14.1 percent of the market. The largest lender headquartered in North Carolina was State Employees' Credit Union with 25 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Spruce Pine, North Carolina in 2025, led by Rocket Mortgage with 4. 15 lenders closed VA loans, led by United Wholesale Mortgage, and 2 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. 10 banks and 5 credit unions closed home loans in Spruce Pine, North Carolina in 2025, alongside 34 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 Spruce Pine, 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 Spruce Pine, 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 Spruce Pine. 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.
