Mortgage lenders in Cumberland County
8,370 mortgages were made in Cumberland County, North Carolina, in 2025, by 426 lenders. The median rate their borrowers got was 6.375% on a median loan of $225,000. Of 12,084 decisions, 2,977 were denials — 24.6%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Mortgage Research Center, LLC | 752 | 6.250% | $255,000 | 21.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 719 | 5.990% | $255,000 | 12.2% |
| Rocket Mortgage, LLC | 542 | 6.490% | $185,000 | 16.6% |
| FREEDOM MORTGAGE CORPORATION | 490 | 6.125% | $265,000 | 10.3% |
| Navy Federal Credit Union | 374 | 6.250% | $185,000 | 35.4% |
| STATE EMPLOYEES' | 305 | 6.250% | $105,000 | 39.9% |
| MOVEMENT MORTGAGE, LLC | 247 | 6.375% | $245,000 | 3.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 198 | 6.470% | $225,000 | 4.3% |
| Truist Bank | 188 | 6.740% | $105,000 | 36.3% |
| UNION HOME MORTGAGE CORP. | 178 | 6.375% | $255,000 | 4.6% |
| PENNYMAC LOAN SERVICES, LLC | 173 | 5.750% | $245,000 | 14.7% |
| GUARANTEED RATE, INC. | 169 | 6.250% | $205,000 | 8.6% |
| First-Citizens Bank & Trust Company | 153 | 6.375% | $105,000 | 32.9% |
| CORNERSTONE CAPITAL BANK, SSB | 149 | 6.250% | $305,000 | 1.3% |
| Kiavi Funding, Inc. | 120 | 9.950% | $155,000 | 11.0% |
| GUILD MORTGAGE COMPANY | 118 | 6.500% | $215,000 | 3.1% |
| Loandepot.Com, LLC | 116 | 6.490% | $165,000 | 30.4% |
| NEWREZ LLC | 113 | 6.250% | $245,000 | 28.2% |
| NATIONSTAR MORTGAGE LLC | 110 | 6.933% | $145,000 | 14.4% |
| SOUTHERN TRUST MORTGAGE, LLC | 99 | 6.250% | $255,000 | 1.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 88 | 6.250% | $255,000 | 11.0% |
| American Security Mortgage Corp. | 85 | 6.250% | $265,000 | 3.3% |
| Broker Solutions, Inc. | 82 | 6.750% | $195,000 | 18.8% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 81 | 7.250% | $265,000 | 3.3% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 80 | 6.250% | $245,000 | 3.6% |
| USAA Federal Savings Bank | 72 | 6.375% | $275,000 | 36.2% |
| Bank of America, National Association | 58 | 6.313% | $105,000 | 62.8% |
| JET HOMELOANS, LP | 58 | 4.990% | $365,000 | 1.7% |
| NEW DAY FINANCIAL, LLC | 57 | 6.875% | $225,000 | 51.8% |
| VILLAGE CAPITAL & INVESTMENT LLC | 56 | 5.750% | $285,000 | 34.3% |
| PNC Bank, National Association | 53 | 7.390% | $95,000 | 43.1% |
| Alcova Mortgage LLC | 52 | 6.500% | $235,000 | 3.0% |
| AmeriSave Mortgage Corporation | 47 | 7.000% | $115,000 | 74.9% |
| PENTAGON FEDERAL CREDIT UNION | 46 | 7.063% | $150,000 | 44.2% |
| NFM, INC. | 45 | 6.500% | $225,000 | 4.2% |
| GoodLeap, LLC | 44 | 6.375% | $160,000 | 21.1% |
| Primis Mortgage Company | 43 | 6.625% | $225,000 | 4.4% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 40 | 5.875% | $260,000 | 11.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 38 | 6.125% | $190,000 | 56.1% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 38 | 8.375% | $235,000 | 0.0% |
| Equity Prime Mortgage LLC | 37 | 6.625% | $245,000 | 30.4% |
| Fairway Independent Mortgage Corporation | 37 | 6.500% | $215,000 | 11.6% |
| The Federal Savings Bank | 32 | 6.500% | $285,000 | 22.0% |
| JPMorgan Chase Bank, National Association | 32 | 6.495% | $160,000 | 16.3% |
| PLAZA HOME MORTGAGE, INC. | 32 | 6.495% | $265,000 | 25.0% |
| FIGURE LENDING LLC | 29 | 11.300% | $55,000 | 40.8% |
| Wells Fargo Bank, National Association | 29 | 6.500% | $165,000 | 36.7% |
| LAKEVIEW LOAN SERVICING, LLC | 28 | 6.250% | $220,000 | 50.9% |
| First Bank | 27 | 7.250% | $175,000 | 21.6% |
| Integrity Home Mortgage Corporation | 27 | 6.750% | $265,000 | 8.6% |
| PLANET HOME LENDING, LLC | 26 | 5.870% | $250,000 | 34.2% |
| T2 FINANCIAL LLC | 26 | 6.625% | $240,000 | 3.2% |
| SPRING EQ, LLC | 24 | 10.738% | $65,000 | 65.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 23 | 9.990% | $115,000 | 87.7% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 22 | 6.625% | $235,000 | 8.3% |
| Coastal Community Bank | 21 | 9.740% | $55,000 | 1.2% |
| 254900CTT87ZKAUTIJ37 | 21 | 8.990% | $135,000 | 22.2% |
| LIMA ONE CAPITAL, LLC | 21 | 6.900% | $145,000 | 19.2% |
| DHI MORTGAGE COMPANY, LTD. | 21 | 4.990% | $395,000 | 12.5% |
| BoxCar Mortgage, LLC | 20 | 6.250% | $280,000 | 0.0% |
| CLEARPATH LENDING | 20 | 5.500% | $285,000 | 4.8% |
| LoanUnited.com, LLC | 19 | 5.750% | $315,000 | 9.5% |
| LOWER, LLC | 19 | 6.500% | $225,000 | 28.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 19 | 10.535% | $175,000 | 36.7% |
| THE LOAN STORE, INC. | 19 | 6.625% | $155,000 | 11.1% |
| The Fidelity Bank | 19 | 7.300% | $205,000 | 13.0% |
| ZILLOW HOME LOANS, LLC | 19 | 6.500% | $215,000 | 9.5% |
| NBKC BANK | 19 | 5.990% | $285,000 | 5.0% |
| CMG MORTGAGE, INC. | 18 | 6.625% | $290,000 | 20.0% |
| Loan Funder LLC | 18 | 8.785% | $140,000 | 18.2% |
| Lendage, LLC | 18 | 11.063% | $65,000 | 13.0% |
| RELIANCE FIRST CAPITAL, LLC | 18 | 6.750% | $190,000 | 4.8% |
| 21st Mortgage Corporation | 17 | 9.780% | $115,000 | 80.6% |
| 254900M2C4Q6DATP2889 | 16 | 6.313% | $255,000 | 30.4% |
| SOFI BANK, NATIONAL ASSOCIATION | 16 | 7.165% | $110,000 | 23.8% |
| First National Bank of Pennsylvania | 16 | 6.375% | $305,000 | 42.9% |
| SUN WEST MORTGAGE COMPANY, INC. | 16 | 6.375% | $245,000 | 13.3% |
| ENCOMPASS LENDING GROUP, LP | 16 | 6.250% | $270,000 | 0.0% |
| COASTAL Federal Credit Union | 15 | 7.750% | $65,000 | 45.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | 15 | 6.625% | $215,000 | 0.0% |
| AAFMAA Mortgage Services LLC | 15 | 6.250% | $235,000 | 0.0% |
| GoPrime Mortgage, Inc. | 15 | 6.490% | $245,000 | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 14 | 7.313% | $140,000 | 4.8% |
| ACOPIA, LLC | 14 | 6.250% | $270,000 | 11.8% |
| First Horizon Bank | 14 | 6.125% | $235,000 | 30.0% |
| United Bank | 14 | 7.160% | $155,000 | 22.2% |
| VISION LENDING SERVICES, LLC | 14 | 5.750% | $385,000 | 0.0% |
| Lumbee Guaranty Bank | 14 | Not published | $75,000 | 0.0% |
| Armed Forces Bank, National Association | 13 | 5.750% | $345,000 | 16.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 13 | 6.125% | $275,000 | 7.1% |
| Plains Commerce Bank | 13 | 6.625% | $335,000 | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 13 | 7.375% | $185,000 | 0.0% |
| U.S. Bank National Association | 12 | 6.563% | $170,000 | 68.4% |
| Prosperity Home Mortgage, LLC | 12 | 6.057% | $295,000 | 29.4% |
| PHH Mortgage Corporation | 12 | 6.433% | $190,000 | 29.4% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 12 | 6.688% | $215,000 | 0.0% |
| BPL MORTGAGE TRUST, LLC | 12 | 7.500% | $130,000 | 5.6% |
| FLAT BRANCH MORTGAGE, INC. | 12 | 6.313% | $240,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 11 | 7.750% | $135,000 | 56.0% |
| Hometown Equity Mortgage, LLC | 11 | 7.500% | $145,000 | 38.9% |
| CHAMPIONS FUNDING, LLC | 11 | 7.125% | $175,000 | 26.7% |
| Click n' Close, Inc. | 11 | 7.625% | $145,000 | 0.0% |
| MORIA DEVELOPMENT, INC. | 11 | 7.250% | $205,000 | 0.0% |
| LENDINGONE, LLC | 10 | 7.175% | $135,000 | 60.0% |
| Citizens Bank, National Association | 10 | 7.400% | $105,000 | 45.0% |
| Mid-Continent Funding, Inc. | 10 | 6.750% | $245,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 10 | 6.188% | $290,000 | 0.0% |
| Barrington Bank & Trust Company, National Association | 10 | 6.620% | $165,000 | 0.0% |
| RAPID MORTGAGE COMPANY | 10 | 6.750% | $230,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 10 | 6.625% | $240,000 | 0.0% |
| Presidential Bank, FSB | 10 | 6.625% | $245,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 59.1% |
| Commerce Home Mortgage, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 16.7% |
| SHARONVIEW FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 64.0% |
| ROYAL UNITED MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| FlexPoint, Inc. | 8 | Under 10 loans | Under 10 loans | 18.2% |
| First Heritage Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Towne Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 7 | Under 10 loans | Under 10 loans | 66.7% |
| 984500RF83EA742B5589 | 7 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| United Community Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 10.0% |
| Manufacturers and Traders Trust Company | 7 | Under 10 loans | Under 10 loans | 20.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LATINO COMMUNITY CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 67.9% |
| MILEND, INC. | 6 | Under 10 loans | Under 10 loans | 36.4% |
| AMERIHOME MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 30.0% |
| QUORUM FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CALCON MUTUAL MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| V.I.P. MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| INTERCOASTAL MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| UNIVERSITY Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 85.0% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 12.5% |
| Regions Bank | 5 | Under 10 loans | Under 10 loans | 58.3% |
| SOUTHWEST STAGE FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SUCCESS LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AgCarolina Farm Credit, FLCA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Easy Street Capital, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LOCAL GOVERNMENT | 4 | Under 10 loans | Under 10 loans | 60.0% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 63.6% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Truliant Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 60.0% |
| CANOPY MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TD Bank, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Ameris Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 5493004T38NMC864VL66 | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Loan Simple, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Valon Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 16.7% |
| Fifth Third Bank, National Association | 3 | Under 10 loans | Under 10 loans | 72.7% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 3 | Under 10 loans | Under 10 loans | 57.1% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| VERITAS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Savings Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| CHARTWAY FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RPE Home, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| C & F Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| North State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Azuza LLC dba Z Loans Funding | 3 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 226 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in Cumberland County
45 FDIC-insured branches from 14 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Truist Bank | 9 | $1.3 billion |
| First-Citizens Bank & Trust Company | 7 | $1.0 billion |
| FSNB, National Association | 5 | $21.2 million |
| Wells Fargo Bank, National Association | 4 | $580.9 million |
| PNC Bank, National Association | 4 | $313.4 million |
| Bank of America, National Association | 3 | $724.1 million |
| United Bank | 3 | $159.2 million |
| First Horizon Bank | 2 | $90.3 million |
| Lumbee Guaranty Bank | 2 | $32.1 million |
| Woodforest National Bank | 2 | $7.9 million |
| First Bank | 1 | $262.1 million |
| TowneBank | 1 | $134.9 million |
| First National Bank of Pennsylvania | 1 | $90.8 million |
| The Fidelity Bank | 1 | $75.5 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Dogwood State Bank, 225 Green St, Ste 102, Fayetteville
Get told when this changes
When the next year’s lending figures are out for Cumberland County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.