Mortgage lenders in Pender County
2,534 mortgages were made in Pender County, North Carolina, in 2025, by 308 lenders. The median rate their borrowers got was 6.500% on a median loan of $305,000. Of 3,436 decisions, 746 were denials — 21.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| STATE EMPLOYEES' | 190 | 6.250% | $205,000 | 29.5% |
| Rocket Mortgage, LLC | 155 | 6.625% | $235,000 | 16.7% |
| DHI MORTGAGE COMPANY, LTD. | 150 | 5.500% | $325,000 | 18.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 122 | 6.625% | $380,000 | 1.6% |
| CORNING CREDIT UNION | 121 | 6.500% | $105,000 | 18.2% |
| First-Citizens Bank & Trust Company | 92 | 6.375% | $150,000 | 17.2% |
| Navy Federal Credit Union | 74 | 6.875% | $245,000 | 29.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 73 | 5.997% | $365,000 | 13.2% |
| NEWREZ LLC | 65 | 6.250% | $335,000 | 14.3% |
| FREEDOM MORTGAGE CORPORATION | 64 | 5.750% | $360,000 | 4.9% |
| Integrity Home Mortgage Corporation | 55 | 6.625% | $325,000 | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 54 | 6.625% | $370,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 53 | 6.250% | $445,000 | 55.9% |
| Mortgage Research Center, LLC | 53 | 6.375% | $325,000 | 23.2% |
| First National Bank of Pennsylvania | 50 | 6.490% | $195,000 | 34.2% |
| GUARANTEED RATE, INC. | 49 | 6.575% | $345,000 | 7.4% |
| MOVEMENT MORTGAGE, LLC | 47 | 6.500% | $305,000 | 3.5% |
| T2 FINANCIAL LLC | 37 | 6.500% | $345,000 | 2.5% |
| PENNYMAC LOAN SERVICES, LLC | 36 | 5.990% | $415,000 | 13.3% |
| Loansteady LLC | 35 | 6.250% | $355,000 | 2.3% |
| Truist Bank | 34 | 6.663% | $210,000 | 39.0% |
| PNC Bank, National Association | 32 | 7.390% | $105,000 | 23.3% |
| First Bank | 30 | 6.750% | $450,000 | 18.9% |
| Loandepot.Com, LLC | 28 | 5.990% | $365,000 | 37.0% |
| CORNERSTONE CAPITAL BANK, SSB | 25 | 6.500% | $355,000 | 3.9% |
| Southern Bank and Trust Company | 25 | 7.000% | $305,000 | 3.7% |
| Bank of America, National Association | 23 | 6.490% | $105,000 | 41.0% |
| Prosperity Home Mortgage, LLC | 23 | 6.250% | $325,000 | 4.2% |
| Fairway Independent Mortgage Corporation | 21 | 6.375% | $365,000 | 8.7% |
| Towne Bank | 21 | 6.500% | $455,000 | 4.6% |
| LOWER, LLC | 19 | 6.875% | $345,000 | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 18 | 6.438% | $460,000 | 4.8% |
| THE LOAN STORE, INC. | 18 | 6.813% | $245,000 | 0.0% |
| Primis Mortgage Company | 17 | 6.624% | $295,000 | 5.3% |
| SPRING EQ, LLC | 14 | 10.025% | $75,000 | 54.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 6.490% | $345,000 | 23.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | 13 | 6.250% | $245,000 | 13.3% |
| FIGURE LENDING LLC | 11 | 10.750% | $65,000 | 31.6% |
| UNION HOME MORTGAGE CORP. | 11 | 6.990% | $295,000 | 15.4% |
| NATIONSTAR MORTGAGE LLC | 11 | 6.875% | $235,000 | 21.4% |
| COASTAL Federal Credit Union | 11 | 6.375% | $215,000 | 25.0% |
| JPMorgan Chase Bank, National Association | 11 | 6.750% | $255,000 | 7.7% |
| Luminate Bank | 11 | 6.875% | $545,000 | 0.0% |
| AmeriSave Mortgage Corporation | 10 | 8.250% | $140,000 | 71.4% |
| Wells Fargo Bank, National Association | 10 | 6.188% | $385,000 | 28.6% |
| GUILD MORTGAGE COMPANY | 10 | 6.313% | $430,000 | 0.0% |
| American Security Mortgage Corp. | 10 | 6.375% | $435,000 | 0.0% |
| Kiavi Funding, Inc. | 10 | 10.595% | $175,000 | 16.7% |
| Broker Solutions, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 9 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 75.0% |
| Coastal Community Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 65.5% |
| ZILLOW HOME LOANS, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| North State Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 6 | Under 10 loans | Under 10 loans | 64.7% |
| NEW DAY FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Fifth Third Bank, National Association | 6 | Under 10 loans | Under 10 loans | 57.1% |
| CMG MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 11.1% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 53.8% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 40.0% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 5 | Under 10 loans | Under 10 loans | 37.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 30.0% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Providence Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 63.6% |
| 254900M2C4Q6DATP2889 | 4 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| EMM LOANS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESOURCE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 62.5% |
| SouthState Bank, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| United Community Bank | 3 | Under 10 loans | Under 10 loans | 42.9% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Truliant Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 62.5% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SELF-HELP Credit Union | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Regions Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Gateway First Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NVR Mortgage Finance, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Marine Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 81.8% |
| LOCAL GOVERNMENT | 2 | Under 10 loans | Under 10 loans | 77.8% |
| SOUTHWEST STAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AgCarolina Farm Credit, FLCA | 2 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Lendage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ENCOMPASS LENDING GROUP, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORPORATE INVESTORS MORTGAGE GROUP, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank OZK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 25.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Blue Ridge Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| C & F Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Fidelity Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HomeTrust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EXCITE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SHARONVIEW FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SKYLA FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAFMAA Mortgage Services LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Acre Mortgage & Financial, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WARSHAW CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KS BANK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community First | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REV FEDERAL CREDIT UNION | 1 | 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 108 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Pender County
6 FDIC-insured branches from 5 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First-Citizens Bank & Trust Company | 2 | $277.1 million |
| First National Bank of Pennsylvania | 1 | $94.1 million |
| PNC Bank, National Association | 1 | $92.5 million |
| TD Bank, National Association | 1 | $86.2 million |
| SouthState Bank, National Association | 1 | $70.6 million |
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When the next year’s lending figures are out for Pender 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.