Home purchase lenders in Cumberland County
4,298 home purchase mortgages were made in Cumberland County, North Carolina, in 2025, by 319 lenders. The median rate their borrowers got was 6.450% on a median loan of $245,000. Of 5,219 decisions, 740 were denials — 14.2%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Mortgage Research Center, LLC | 629 | 6.250% | $255,000 | 6.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 213 | 6.250% | $245,000 | 13.5% |
| Navy Federal Credit Union | 194 | 6.000% | $260,000 | 13.1% |
| MOVEMENT MORTGAGE, LLC | 179 | 6.500% | $255,000 | 2.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 156 | 6.575% | $225,000 | 0.6% |
| CORNERSTONE CAPITAL BANK, SSB | 147 | 6.250% | $305,000 | 1.3% |
| GUARANTEED RATE, INC. | 142 | 6.250% | $215,000 | 7.2% |
| FREEDOM MORTGAGE CORPORATION | 131 | 6.250% | $265,000 | 10.2% |
| UNION HOME MORTGAGE CORP. | 121 | 6.500% | $255,000 | 4.7% |
| Rocket Mortgage, LLC | 113 | 6.490% | $225,000 | 12.2% |
| GUILD MORTGAGE COMPANY | 102 | 6.563% | $215,000 | 3.5% |
| SOUTHERN TRUST MORTGAGE, LLC | 92 | 6.250% | $255,000 | 0.0% |
| Kiavi Funding, Inc. | 89 | 10.450% | $165,000 | 8.1% |
| STATE EMPLOYEES' | 88 | 6.013% | $185,000 | 25.2% |
| American Security Mortgage Corp. | 81 | 6.250% | $265,000 | 3.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 77 | 6.250% | $265,000 | 5.6% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 77 | 6.250% | $245,000 | 2.5% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 62 | 7.750% | $265,000 | 2.8% |
| Broker Solutions, Inc. | 60 | 6.750% | $205,000 | 4.8% |
| JET HOMELOANS, LP | 58 | 4.990% | $365,000 | 1.7% |
| USAA Federal Savings Bank | 55 | 6.500% | $275,000 | 27.9% |
| First-Citizens Bank & Trust Company | 49 | 6.350% | $175,000 | 12.1% |
| Truist Bank | 48 | 6.250% | $185,000 | 12.7% |
| Alcova Mortgage LLC | 43 | 6.625% | $225,000 | 3.6% |
| Primis Mortgage Company | 41 | 6.625% | $215,000 | 2.4% |
| NFM, INC. | 40 | 6.563% | $225,000 | 2.4% |
| NEWREZ LLC | 37 | 6.250% | $225,000 | 9.8% |
| Fairway Independent Mortgage Corporation | 31 | 6.563% | $215,000 | 13.5% |
| PLAZA HOME MORTGAGE, INC. | 28 | 6.563% | $270,000 | 9.4% |
| Integrity Home Mortgage Corporation | 27 | 6.750% | $265,000 | 8.6% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 26 | 5.875% | $305,000 | 3.7% |
| T2 FINANCIAL LLC | 24 | 6.625% | $240,000 | 3.6% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 23 | 9.990% | $115,000 | 87.7% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 21 | 6.625% | $235,000 | 8.7% |
| DHI MORTGAGE COMPANY, LTD. | 21 | 4.990% | $395,000 | 12.5% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 19 | 9.500% | $215,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 19 | 6.500% | $215,000 | 9.5% |
| 21st Mortgage Corporation | 17 | 9.780% | $115,000 | 80.2% |
| Loandepot.Com, LLC | 17 | 6.625% | $295,000 | 5.6% |
| JPMorgan Chase Bank, National Association | 17 | 6.125% | $195,000 | 20.8% |
| THE LOAN STORE, INC. | 17 | 6.625% | $155,000 | 4.8% |
| NBKC BANK | 17 | 6.000% | $285,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 16 | 6.125% | $275,000 | 14.3% |
| LIMA ONE CAPITAL, LLC | 16 | 6.750% | $145,000 | 5.9% |
| GoPrime Mortgage, Inc. | 15 | 6.490% | $245,000 | 0.0% |
| Bank of America, National Association | 14 | 5.625% | $200,000 | 39.1% |
| VISION LENDING SERVICES, LLC | 14 | 5.750% | $385,000 | 0.0% |
| Loan Funder LLC | 13 | 6.790% | $135,000 | 18.8% |
| CMG MORTGAGE, INC. | 13 | 6.250% | $355,000 | 5.6% |
| ENCOMPASS LENDING GROUP, LP | 13 | 6.250% | $275,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 13 | 6.625% | $215,000 | 0.0% |
| Plains Commerce Bank | 13 | 6.625% | $335,000 | 0.0% |
| AAFMAA Mortgage Services LLC | 13 | 6.250% | $235,000 | 0.0% |
| BoxCar Mortgage, LLC | 12 | 6.938% | $285,000 | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 12 | 6.688% | $215,000 | 0.0% |
| LOWER, LLC | 12 | 6.375% | $270,000 | 20.0% |
| 254900CTT87ZKAUTIJ37 | 12 | 8.990% | $135,000 | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 12 | 6.313% | $240,000 | 0.0% |
| Click n' Close, Inc. | 11 | 7.625% | $145,000 | 0.0% |
| ACOPIA, LLC | 11 | 6.375% | $265,000 | 14.3% |
| MORIA DEVELOPMENT, INC. | 11 | 7.250% | $205,000 | 0.0% |
| First National Bank of Pennsylvania | 11 | 6.375% | $335,000 | 8.3% |
| Equity Prime Mortgage LLC | 10 | 6.625% | $205,000 | 15.4% |
| PENTAGON FEDERAL CREDIT UNION | 10 | 5.875% | $350,000 | 38.9% |
| Wells Fargo Bank, National Association | 10 | 6.500% | $205,000 | 20.0% |
| PNC Bank, National Association | 10 | 6.688% | $230,000 | 7.7% |
| The Fidelity Bank | 10 | 7.213% | $285,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 10 | 6.438% | $285,000 | 0.0% |
| RAPID MORTGAGE COMPANY | 10 | 6.750% | $230,000 | 0.0% |
| First Bank | 10 | 6.500% | $205,000 | 0.0% |
| Presidential Bank, FSB | 10 | 6.625% | $245,000 | 0.0% |
| Armed Forces Bank, National Association | 9 | Under 10 loans | Under 10 loans | 9.1% |
| LoanUnited.com, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| FIRST COMMUNITY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 16.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Lumbee Guaranty Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 7 | Under 10 loans | Under 10 loans | 46.2% |
| FlexPoint, Inc. | 7 | Under 10 loans | Under 10 loans | 20.0% |
| First Horizon Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| TRIAD FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 67.9% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 16.7% |
| CALCON MUTUAL MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 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 Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LATINO COMMUNITY CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| UNIVERSITY Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| EQUITY RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AgCarolina Farm Credit, FLCA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| General Mortgage Capital Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 70.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| C & F Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Blue Ridge Bank, National Association | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Pinnacle Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Atlantic Coast Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| TD Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Azuza LLC dba Z Loans Funding | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Mortgage Bank, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JAMS-01, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Park Lane Finance Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 89.5% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 87.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 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 119 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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. 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.