Mortgage Lenders and Brokers in Banner Elk, North Carolina
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Banner Elk, North Carolina mortgage lenders include Truist BankTruist Bank4501 Tynecastle Hwy, Banner Elk, NC 28604A+5.0 ★Texas Ratio: 2.87%, First Community BankFirst Community Bank115 Main St E, Banner Elk, NC 28604A+5.0 ★Texas Ratio: 3.36%, Fifth Third Bank, National AssociationFifth Third Bank, National Association1667 Tynecastle Hwy, Banner Elk, NC 28604A+5.0 ★Texas Ratio: 3.22%, TD BankTD Bank335 New Leicester Hwy, Asheville, NC 28806A+5.0 ★Texas Ratio: 3.71%, Bank of TennesseeBank of Tennessee3828 Nc Highway 105 S, Banner Elk, NC 28604A+5.0 ★Texas Ratio: 4.09%, Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%, United Community BankUnited Community Bank732 Main St, Andrews, NC 28901A+5.0 ★Texas Ratio: 2.97%, State Employees' Credit UnionState Employees' Credit Union1125 ACADEMY ST N, AHOSKIE, NC 27910A-5.0 ★Texas Ratio: 14.13%, Bank of America NABank of America NA5496 Apex Peakway, Apex, NC 27502A+5.0 ★Texas Ratio: 4.14%, and First Horizon BankFirst Horizon Bank5361 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.76%. 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 Banner Elk, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Banner Elk 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 Banner Elk, North Carolina
Market share is the lender's share of all home loans closed in Banner Elk, 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 |
|---|---|---|---|---|---|---|
|
★ 1 stars, 1 review 1 office in Banner Elk 4501 Tynecastle Hwy, Banner Elk, NC 28604 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo, HELOC | 6 +1 HELOCs |
6.3% | 100% | $1,173,333 | View |
|
1 office in Banner Elk 115 Main St E, Banner Elk, NC 28604 A+5.0 ★Texas Ratio: 3.36% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
1 office in Banner Elk 1667 Tynecastle Hwy, Banner Elk, NC 28604 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
|
335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo, HELOC | 5 +1 HELOCs |
5.3% | 100% | $1,335,000 | View |
|
3828 Nc Highway 105 S, Banner Elk, NC 28604 A+5.0 ★Texas Ratio: 4.09% |
Conventional, Jumbo | 5 | 5.3% | 100% | $921,000 | View |
|
5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 5 | 5.3% | 100% | $551,000 | View |
|
732 Main St, Andrews, NC 28901 A+5.0 ★Texas Ratio: 2.97% |
Conventional, Jumbo, HELOC | 2 +5 HELOCs |
2.1% | 100% | $960,000 | View |
|
1125 ACADEMY ST N, AHOSKIE, NC 27910 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 2 +4 HELOCs |
2.1% | 66.7% | $260,000 | View |
|
5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
2.1% | 66.7% | $2,325,000 | View |
|
★ 5 stars, 1 review 5361 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.76% |
Conventional, Jumbo | 2 | 2.1% | 100% | $1,505,000 | View |
|
1641 Blowing Rock Road, Boone, NC 28607 A+5.0 ★Texas Ratio: 3.31% |
Conventional | 2 | 2.1% | 100% | $505,000 | View |
|
351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 1 +3 HELOCs |
1.1% | 100% | $415,000 | View |
|
1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 1 +1 HELOCs |
1.1% | 100% | $365,000 | View |
|
8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 1.1% | 100% | $125,000 | View |
|
Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
Conventional | 1 | 1.1% | 100% | $395,000 | |
|
1399 Blowing Rock Rd, Boone, NC 28607 A+5.0 ★Texas Ratio: 0.60% |
Conventional | 1 | 1.1% | 100% | $405,000 | View |
|
★ 5 stars, 1 review 192 E Woodrow Ave, Belmont, NC 28012 A+5.0 ★Texas Ratio: 2.27% |
Conventional, Jumbo | 1 | 1.1% | 100% | $935,000 | View |
|
105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94% |
Conventional | 1 | 1.1% | 100% | $505,000 | View |
|
303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional | 1 | 1.1% | 100% | $105,000 | View |
|
★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82% |
Conventional, Jumbo | 1 | 1.1% | 100% | $2,535,000 | View |
|
103 N 2nd St, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 3.04% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
★ 1.7 stars, 3 reviews 102 Church St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
American Security Mortgage Cor
|
Conventional | 2 | 2.1% | 100% | $150,000 | |
Deephaven Mortgage LLC
|
Conventional | 1 | 1.1% | 100% | $165,000 | |
AAFMAA Mortgage Services LLC
|
VA | 1 | 1.1% | 100% | $285,000 | |
Movement Mortgage, LLC
|
Conventional, VA, Jumbo | 6 | 6.3% | 100% | $505,000 | |
Guild Mortgage Company
|
Conventional, FHA | 5 | 5.3% | 100% | $545,000 | |
Pennymac Loan Services LLC
|
Conventional, Jumbo | 4 | 4.2% | 80% | $865,000 | |
Fairway Independent Mort Corp
|
Conventional | 4 | 4.2% | 100% | $527,500 | |
Rocket Mortgage
|
Conventional | 3 | 3.2% | 57.1% | $215,000 | |
Atlantic Bay Mortgage Group
|
Conventional, Jumbo | 3 | 3.2% | 100% | $588,333 | |
|
A-4.8 ★Texas Ratio: 12.33% |
Conventional, Jumbo | 2 | 2.1% | 100% | $590,000 | View |
|
A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +1 HELOCs |
1.1% | 100% | $805,000 | View |
|
A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 1.1% | 100% | $295,000 | View |
United Wholesale Mortgage
|
Conventional | 1 | 1.1% | 50% | $805,000 | |
|
A5.0 ★Texas Ratio: 10.25% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,225,000 | View |
|
A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 1.1% | 100% | $515,000 | View |
Home Federal Bank of Tennessee
|
Conventional, Jumbo | 1 | 1.1% | 100% | $1,345,000 | |
Nbkc Bank
|
Conventional | 1 | 1.1% | 100% | $385,000 | |
Acrisure Mortgage, LLC
|
Conventional | 1 | 1.1% | 100% | $625,000 | |
CrossCountry Mortgage, LLC
|
Conventional | 1 | 1.1% | 100% | $475,000 | |
Loansteady LLC
|
Conventional | 1 | 1.1% | 100% | $465,000 | |
Howard Hanna Financial Services, Inc
|
Conventional | 1 | 1.1% | 100% | $425,000 | |
Fidelity Direct Mortgage, LLC
|
Conventional | 1 | 1.1% | 100% | $665,000 | |
River Bank & Trust
|
Conventional | 1 | 1.1% | 100% | $135,000 | |
Intercoastal Mortgage, LLC
|
Conventional | 1 | 1.1% | 100% | $655,000 | |
Kwik Mortgage Corporation
|
Conventional | 1 | 1.1% | 100% | $665,000 | |
Corning Credit Union
|
Conventional | 1 | 1.1% | 100% | $585,000 | |
|
A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 1.1% | 100% | $305,000 | View |
Fay Servicing LLC
|
Conventional | 1 | 1.1% | 100% | $485,000 | |
New Story Lending LLC
|
VA | 1 | 1.1% | 100% | $395,000 | |
Mission Loans, LLC
|
Conventional, Jumbo | 1 | 1.1% | 100% | $1,295,000 | |
TowneBank
|
Conventional | 1 | 1.1% | 100% | $805,000 | |
The Loan Store, Inc
|
Conventional | 1 | 1.1% | 100% | $675,000 | |
|
A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,125,000 | View |
Vanderbilt Mortgage and Finance, Inc
|
Conventional | 1 | 1.1% | 33.3% | $135,000 | |
Tower Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | 100% | ||
Figure Lending LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Banner Elk 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 Banner Elk, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Banner Elk? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Banner Elk in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Banner Elk, NC
Use these to narrow the list above. Each category shows how many Banner Elk, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Banner Elk, NC
Independent mortgage companies closed 44.2 percent of home loans in Banner Elk, North Carolina in 2025, banks 50.5 percent and credit unions 5.3 percent. American Security Mortgage Cor was the largest mortgage company, Truist Bank the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, Truist Bank led with 6 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 Banner Elk, NC
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Banner Elk, North Carolina with 6 loans, about 6.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
1 lenders closed FHA loans in Banner Elk, North Carolina in 2025, led by Guild Mortgage Company with 1. 3 lenders closed VA loans, led by AAFMAA Mortgage Services LLC. 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. 30 banks and 5 credit unions closed home loans in Banner Elk, North Carolina in 2025, alongside 25 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 Banner Elk, 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 Banner Elk, 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 Banner Elk. 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.
