Mortgage Lenders and Brokers in St. James, 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
St. James, North Carolina mortgage lenders include First National Bank of PAFirst National Bank of PA303 S Salem St, Apex, NC 27502A+5.0 ★Texas Ratio: 1.62%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust351 N 1st St, Albemarle, NC 28001A5.0 ★Texas Ratio: 7.72%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1007 Beaver Creek Commons Dr, Apex, NC 27502A+5.0 ★Texas Ratio: 3.68%, Truist BankTruist Bank1803 N Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 2.87%, Bank of America NABank of America NA5496 Apex Peakway, Apex, NC 27502A+5.0 ★Texas Ratio: 4.14%, State Employees' Credit UnionState Employees' Credit Union1125 ACADEMY ST N, AHOSKIE, NC 27910A-5.0 ★Texas Ratio: 14.13%, First BankFirst Bank105 S Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 1.94%, Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%, Coastal Federal Credit UnionCoastal Federal Credit UnionOlive Chapel Village #131, Apex, NC 27502A+5.0 ★Texas Ratio: 4.34%, and United Bank VaUnited Bank Va47560 Highway 12, Buxton, NC 27920A+5.0 ★Texas Ratio: 2.15%. 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 St. James, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. James 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 St. James, North Carolina
Market share is the lender's share of all home loans closed in St. James, 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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303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional, Jumbo, HELOC | 22 +12 HELOCs |
8.9% | 88% | $606,818 | View |
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351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo, HELOC | 6 +11 HELOCs |
2.4% | 66.7% | $586,666 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 6 +1 HELOCs |
2.4% | 100% | $468,333 | 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 | 5 +19 HELOCs |
2% | 100% | $373,000 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 5 +9 HELOCs |
2% | 55.6% | $595,000 | View |
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1125 ACADEMY ST N, AHOSKIE, NC 27910 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 4 +11 HELOCs |
1.6% | 100% | $342,500 | View |
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105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94% |
Conventional, Jumbo, HELOC | 4 +1 HELOCs |
1.6% | 100% | $565,000 | View |
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5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 4 | 1.6% | 100% | $322,500 | View |
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Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
Conventional, HELOC | 2 +5 HELOCs |
0.8% | 100% | $135,000 | |
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47560 Highway 12, Buxton, NC 27920 A+5.0 ★Texas Ratio: 2.15% |
Conventional, Jumbo, HELOC | 1 +6 HELOCs |
0.4% | 100% | $855,000 | View |
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8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 50% | $195,000 | View |
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192 Airport Rd, Arden, NC 28704 A+5.0 ★Texas Ratio: 5.53% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $575,000 | View |
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335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.4% | 100% | $1,185,000 | View |
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2821 Crisman St, Charlotte, NC 28208 A+5.0 ★Texas Ratio: 3.27% |
Conventional | 1 | 0.4% | 100% | $505,000 | View |
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★ 5 stars, 1 review 192 E Woodrow Ave, Belmont, NC 28012 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 1 | 0.4% | 100% | $215,000 | View |
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732 Main St, Andrews, NC 28901 A+5.0 ★Texas Ratio: 2.97% |
Conventional | 1 | 0.4% | 100% | $175,000 | View |
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1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00% |
Conventional | 1 | 0.4% | 50% | $85,000 | View |
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506 Main St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 1.13% |
HELOC | 0 +3 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 | |
Rocket Mortgage
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Conventional, FHA, VA | 39 | 15.9% | 88.9% | $286,025 | |
Guaranteed Rate, Inc.
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Conventional | 8 | 3.3% | 88.9% | $526,250 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 6 +1 HELOCs |
2.4% | 100% | $403,333 | |
BoxCar Mortgage, LLC
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Conventional, FHA | 6 | 2.4% | 100% | $330,000 | |
United Wholesale Mortgage
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Conventional | 5 | 2% | 71.4% | $411,000 | |
Newrez LLC
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Conventional, VA | 5 | 2% | 83.3% | $235,000 | |
Integrity Home Mortgage Corporation
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Conventional, VA | 5 | 2% | 100% | $283,000 | |
Lower, LLC
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Conventional, FHA, VA | 5 | 2% | 83.3% | $271,000 | |
loanDepot.com LLC
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Conventional, VA, HELOC | 4 +1 HELOCs |
1.6% | 66.7% | $325,000 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 1.6% | 100% | $395,000 | |
Atlantic Bay Mortgage Group
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Conventional, FHA | 4 | 1.6% | 100% | $390,000 | |
American Financial Resources LLC
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Conventional | 3 | 1.2% | 100% | $175,000 | |
Atlantic Coast Mortgage, LLC
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Conventional, VA | 3 | 1.2% | 100% | $421,666 | |
Movement Mortgage, LLC
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Conventional, FHA | 3 | 1.2% | 100% | $435,000 | |
Pennymac Loan Services LLC
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Conventional | 3 | 1.2% | 75% | $401,666 | |
Nationstar Mortgage
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Conventional, FHA | 3 | 1.2% | 75% | $368,333 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 3 | 1.2% | 100% | $818,333 | View |
Corning Credit Union
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Conventional, Jumbo, HELOC | 2 +8 HELOCs |
0.8% | 100% | $735,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 2 +2 HELOCs |
0.8% | 100% | $205,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional | 2 | 0.8% | 100% | $365,000 | View |
Everett Financial, Inc.
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Conventional, FHA | 2 | 0.8% | 100% | $170,000 | |
Loansteady LLC
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Conventional | 2 | 0.8% | 100% | $335,000 | |
Intercoastal Mortgage, LLC
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Conventional, VA | 2 | 0.8% | 66.7% | $610,000 | |
Mortgage Research Center
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VA | 2 | 0.8% | 100% | $425,000 | |
Mutual of Omaha Mortgage
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Conventional | 2 | 0.8% | 66.7% | $225,000 | |
New American Funding, LLC.
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Conventional | 2 | 0.8% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.8% | 100% | $65,000 | View |
Spring Eq, LLC
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Conventional | 2 | 0.8% | 66.7% | $160,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 66.7% | $55,000 | View |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $225,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $395,000 | View |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.4% | 100% | $465,000 | View |
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A+5.0 ★Texas Ratio: 3.36% |
Conventional | 1 | 0.4% | 100% | $345,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.4% | 100% | $675,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.4% | 100% | $505,000 | View |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.4% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 4.85% |
Conventional | 1 | 0.4% | 100% | $405,000 | View |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.4% | 100% | $165,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.4% | 50% | $275,000 | |
NOVA Financial & Investment Corporation
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Conventional | 1 | 0.4% | 100% | $305,000 | |
BankSouth Mortgage Company LLC
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Conventional | 1 | 0.4% | 100% | $585,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.4% | 100% | $265,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $435,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.4% | 100% | $325,000 | View |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.4% | 100% | $525,000 | View |
Amerisave Mortgage Company
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Conventional | 1 | 0.4% | 33.3% | $175,000 | |
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A+5.0 ★Texas Ratio: 0.65% |
Conventional | 1 | 0.4% | 100% | $225,000 | View |
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A5.0 ★Texas Ratio: 13.21% |
VA | 1 | 0.4% | 100% | $375,000 | View |
Cmg Mortgage Inc
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Conventional | 1 | 0.4% | 100% | $785,000 | |
Discover Bank
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Conventional | 1 | 0.4% | 100% | $35,000 | |
Republic State Mortgage Company
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Conventional | 1 | 0.4% | 100% | $155,000 | |
Merck Employees FCU
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Conventional | 1 | 0.4% | 100% | $555,000 | |
Schumacher Mortgage LLC
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Conventional | 1 | 0.4% | 100% | $685,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $485,000 | |
Mid-Continent Funding, Inc.
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VA | 1 | 0.4% | 100% | $315,000 | |
Total Mortgage Services, LLC
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Conventional | 1 | 0.4% | 100% | $305,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional, Jumbo | 1 | 0.4% | 100% | $975,000 | |
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A4.7 ★Texas Ratio: 0.83% |
Conventional | 1 | 0.4% | 100% | $335,000 | View |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.4% | 100% | $705,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.4% | 100% | $505,000 | View |
American Pacific Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $315,000 | |
Keystone Funding, Inc
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VA | 1 | 0.4% | 100% | $275,000 | |
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A5.0 ★Texas Ratio: 9.61% |
Conventional | 1 | 0.4% | 100% | $255,000 | View |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.4% | 100% | $105,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.4% | 100% | $245,000 | View |
TowneBank
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Conventional | 1 | 0.4% | 100% | $405,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $585,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.4% | 100% | $625,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.4% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.4% | 100% | $425,000 | View |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.4% | 100% | $755,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.4% | 100% | $205,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional, Jumbo | 1 | 0.4% | 100% | $965,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.4% | 100% | $335,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.4% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 1 | 0.4% | 100% | $975,000 | View |
Star One Credit Union
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Conventional | 1 | 0.4% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Nasa Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
St. James 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 St. James, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in St. James? The list below shows the banks, credit unions and mortgage brokers that closed home loans in St. James in 2025, with lenders based there listed first.
Types of Mortgage Lenders in St. James, NC
Use these to narrow the list above. Each category shows how many St. James, NC lenders fit and what that kind of lender is usually best for.
Who Lends in St. James, NC
Independent mortgage companies closed 60.6 percent of home loans in St. James, North Carolina in 2025, banks 33.3 percent and credit unions 6.1 percent. Rocket Mortgage 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, First Ciitizens Bank and Trust 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 St. James, NC
By home loans closed in 2025, First National Bank of PA was the largest mortgage lender in St. James, North Carolina with 22 loans, about 8.9 percent of the market. The largest lender headquartered in North Carolina was First Ciitizens Bank and Trust with 6 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
12 lenders closed FHA loans in St. James, North Carolina in 2025, led by Rocket Mortgage with 2. 15 lenders closed VA loans, led by Freedom Mortgage Corporation. 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. 36 banks and 13 credit unions closed home loans in St. James, North Carolina in 2025, alongside 54 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 St. James, 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 St. James, 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 St. James. 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.
