Lower Branch at 1209 Culbreth Dr
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm
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About 1209 Culbreth Dr
We build legacies. Serving our community and helping our friends and neighbors thrive is our number one objective. It is why we are passionate about creating a legendary lending experience for you and your family. Whether you want to build your dream home, purchase an existing property, or discuss refinancing strategies, we have the expertise to set you up for future financial success. We proudly serve the entire state and can connect you with local Real Estate professionals in any market. Our dedicated team of Residential Mortgage Loan Originators have a professional commitment to be your long-term partner in managing your financial goals. We will show you how implementing the right mortgage strategy today will help you achieve your long-term goals tomorrow. Your legacy matters!
Meet the Team
What 1209 Culbreth Dr Customers Are Saying
Phil was very informative and helpful throughout the process!
Alexander M.
Supply, NC
Verified Customer
October 17, 2026
Loan officer: Phil Cunningham · Wilmington, NC
Phil is willing to go above and beyond to get the job done; whatever it takes!
Lori R.
Oak Island, NC
Verified Customer
September 21, 2026
Loan officer: Phil Cunningham · Wilmington, NC
I was very unsure of pursuing the house purchase on my own but Phil provided great advice, reassurance every step of the way. Explained the whole transaction in detail
Emily J.
Oak Island, NC
Verified Customer
September 19, 2026
Loan officer: Phil Cunningham · Wilmington, NC
We had a wonderful experience working with Phil on our personal home purchase. Phil did an excellent job educating us throughout the process, clearly explaining our options and helping us feel confident in each decision. We also really appreciated his creativity in structuring things in a way that …worked well for us. His communication, knowledge, and care made the entire process smooth from start to finish.
London S.
Oak Island, NC
Verified Customer
August 27, 2026
Loan officer: Phil Cunningham · Wilmington, NC
Seamless. Little to no effort on our part required.
Scott S.
Oak Island, NC
Verified Customer
August 23, 2026
Loan officer: Phil Cunningham · Wilmington, NC
Phil is outstanding to work with. He helped so much through the loan process. He's so nice, personable & brings so much knowledge to the table. Highly recommend to all!
Michael N.
Willard, NC
Verified Customer
August 21, 2026
Loan officer: Phil Cunningham · Wilmington, NC
From the start, Phil maintained clear communication and helped ensure the entire end-to-end process ran smoothly. He was always available by phone or text—sometimes several times a day—to answer questions and provide clarification whenever needed.
Brian B.
Wilmington, NC
Verified Customer
August 17, 2026
Loan officer: Phil Cunningham · Wilmington, NC
Phil did a great job explaining things along the way and walking us through every step. He is very personable and you can tell he truly cares.
Samantha N.
Willard, NC
Verified Customer
August 16, 2026
Loan officer: Phil Cunningham · Wilmington, NC
Phil was amazing to work with.
Erica K.
Wilmington, NC
Verified Customer
August 13, 2026
Loan officer: Phil Cunningham · Wilmington, NC