Mortgage Lenders and Brokers in Stem, 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
Stem, North Carolina mortgage lenders include State Employees' Credit UnionState Employees' Credit Union1125 ACADEMY ST N, AHOSKIE, NC 27910A-5.0 ★Texas Ratio: 14.13%, Truliant Federal Credit UnionTruliant Federal Credit Union1055 E Dixie Dr, Asheboro, NC 27203A5.0 ★Texas Ratio: 6.43%, Coastal Federal Credit UnionCoastal Federal Credit UnionOlive Chapel Village #131, Apex, NC 27502A+5.0 ★Texas Ratio: 4.34%, Latino Community Credit UnionLatino Community Credit Union104 NC 54 Ste KK, Carrboro, NC 27510A5.0 ★Texas Ratio: 6.08%, 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%, First Horizon BankFirst Horizon Bank5361 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.76%, Pinnacle BankPinnacle Bank103 N 2nd St, Albemarle, NC 28001A+5.0 ★Texas Ratio: 3.04%, Self Help Credit UnionSelf Help Credit Union1911 Hendersonville Rd, Asheville, NC 28803A+5.0 ★Texas Ratio: 2.49%, and Summit Credit UnionSummit Credit Union8210 W Market St, Greensboro, NC 27409A+5.0 ★Texas Ratio: 2.76%. 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 Stem, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Stem 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 Stem, North Carolina
Market share is the lender's share of all home loans closed in Stem, 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 | 14 +10 HELOCs |
11.2% | 87.5% | $247,142 | View |
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1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43% |
Conventional | 4 | 3.2% | 57.1% | $240,000 | View |
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Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
Conventional, HELOC | 2 +1 HELOCs |
1.6% | 100% | $130,000 | |
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104 NC 54 Ste KK, Carrboro, NC 27510 A5.0 ★Texas Ratio: 6.08% |
Conventional | 2 | 1.6% | 100% | $245,000 | View |
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303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional | 2 | 1.6% | 100% | $345,000 | 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 +6 HELOCs |
0.8% | 50% | $765,000 | View |
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★ 5 stars, 1 review 5361 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.8% | 100% | $425,000 | View |
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103 N 2nd St, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 3.04% |
FHA | 1 | 0.8% | 100% | $345,000 | View |
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1911 Hendersonville Rd, Asheville, NC 28803 A+5.0 ★Texas Ratio: 2.49% |
Conventional | 1 | 0.8% | 100% | $205,000 | View |
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8210 W Market St, Greensboro, NC 27409 A+5.0 ★Texas Ratio: 2.76% |
Conventional | 1 | 0.8% | 100% | $85,000 | View |
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335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 1 | 0.8% | 100% | $115,000 | View |
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★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.8% | 100% | $565,000 | View |
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804 E Williams St, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.02% |
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 +3 HELOCs |
0% | n/a | View | |
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1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Corporate Investors Mortgage G
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Conventional | 2 | 1.6% | 100% | $385,000 | |
American Security Mortgage Cor
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Conventional | 1 | 0.8% | 100% | $455,000 | |
AgCarolina Farm Credit, ACA
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Conventional | 1 | 0.8% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 3.12% |
Conventional | 1 | 0.8% | 100% | $335,000 | View |
Goprime Mortgage, Inc.
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Conventional | 1 | 0.8% | 100% | $125,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 13 | 10.4% | 92.9% | $331,153 | |
Rocket Mortgage
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Conventional, FHA | 7 | 5.6% | 63.6% | $180,714 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 7 | 5.6% | 100% | $143,571 | |
DHI Mortgage Company, LTD.
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Conventional, FHA | 5 | 4% | 71.4% | $353,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 4 | 3.2% | 100% | $187,500 | |
Pennymac Loan Services LLC
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Conventional, FHA | 4 | 3.2% | 100% | $270,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 4 | 3.2% | 44.4% | $182,500 | |
American Financial Resources LLC
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FHA | 2 | 1.6% | 100% | $265,000 | |
Freedom Mortgage Corporation
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VA | 2 | 1.6% | 50% | $420,000 | |
Movement Mortgage, LLC
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Conventional, VA | 2 | 1.6% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional, FHA | 2 | 1.6% | 100% | $180,000 | View |
Agfirst Farm Credit Bank
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Conventional | 2 | 1.6% | 100% | $590,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.6% | 100% | $150,000 | |
New American Funding, LLC.
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FHA | 2 | 1.6% | 100% | $315,000 | |
Lower, LLC
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FHA | 2 | 1.6% | 100% | $360,000 | |
Village Capital & Investment
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FHA, VA | 2 | 1.6% | 100% | $300,000 | |
loanDepot.com LLC
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FHA, HELOC | 1 +1 HELOCs |
0.8% | 50% | $325,000 | |
Success Lending, LLC
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FHA | 1 | 0.8% | 100% | $255,000 | |
ALCOVA Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 5.29% |
VA | 1 | 0.8% | 100% | $265,000 | View |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.8% | 100% | $285,000 | |
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A5.0 ★Texas Ratio: 13.21% |
FHA | 1 | 0.8% | 100% | $275,000 | View |
Cmg Mortgage Inc
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FHA | 1 | 0.8% | 100% | $295,000 | |
HomeBridge Financial Services, Inc
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VA | 1 | 0.8% | 50% | $255,000 | |
Discover Bank
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Conventional | 1 | 0.8% | 33.3% | $125,000 | |
Sun West Mortgage Company, Inc
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Conventional | 1 | 0.8% | 100% | $55,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.8% | 100% | $265,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0.8% | 100% | $435,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.8% | 100% | $455,000 | View |
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A+5.0 ★Texas Ratio: 1.10% |
FHA | 1 | 0.8% | 100% | $295,000 | View |
Mortgage Research Center
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VA | 1 | 0.8% | 50% | $325,000 | |
Victorian Finance, LLC
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FHA | 1 | 0.8% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.8% | 100% | $315,000 | View |
Towne Mortgage Company
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Conventional | 1 | 0.8% | 100% | $145,000 | |
Prosperity Home Mortgage, LLC
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FHA | 1 | 0.8% | 100% | $215,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.8% | 100% | $245,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.8% | 100% | $265,000 | View |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.8% | 100% | $105,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.8% | 100% | $355,000 | |
Mortgage Investors Group
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FHA | 1 | 0.8% | 100% | $315,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.8% | 20% | $155,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.8% | 25% | $225,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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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 +1 HELOCs |
0% | n/a |
Stem 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 Stem, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Stem? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Stem in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Stem, NC
Use these to narrow the list above. Each category shows how many Stem, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Stem, NC
Independent mortgage companies closed 64 percent of home loans in Stem, North Carolina in 2025, banks 11.2 percent and credit unions 24.8 percent. Corporate Investors Mortgage G 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, State Employees' Credit Union 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 Stem, NC
By home loans closed in 2025, State Employees' Credit Union was the largest mortgage lender in Stem, North Carolina with 14 loans, about 11.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
22 lenders closed FHA loans in Stem, North Carolina in 2025, led by United Wholesale Mortgage with 4. 10 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. 17 banks and 7 credit unions closed home loans in Stem, North Carolina in 2025, alongside 41 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 Stem, 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 Stem, 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 Stem. 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.
