Mortgage Lenders and Brokers in Efland, North Carolina
Brian McKay
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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.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Efland, North Carolina mortgage lenders include State Employees' Credit UnionState Employees' Credit Union1125 ACADEMY ST N, AHOSKIE, NC 27910A-5.0 ★Texas Ratio: 14.13%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1007 Beaver Creek Commons Dr, Apex, NC 27502A+5.0 ★Texas Ratio: 3.68%, First National Bank of PAFirst National Bank of PA303 S Salem St, Apex, NC 27502A+5.0 ★Texas Ratio: 1.62%, The Fidelity BankThe Fidelity Bank804 E Williams St, Apex, NC 27502A+5.0 ★Texas Ratio: 3.02%, Bank of America NABank of America NA5496 Apex Peakway, Apex, NC 27502A+5.0 ★Texas Ratio: 4.14%, First Savings & Loan AssociationFirst Savings & Loan Association206 W Center St, Mebane, NC 27302, Latino Community Credit UnionLatino Community Credit Union104 NC 54 Ste KK, Carrboro, NC 27510A5.0 ★Texas Ratio: 6.08%, PNC Bank N.A.PNC Bank N.A.102 Church St E, Ahoskie, NC 27910A+5.0 ★Texas Ratio: 4.24%, Truist BankTruist Bank1803 N Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 2.87%, and Ameris BankAmeris Bank6805 Carnegie Blvd, Charlotte, NC 28211A+5.0 ★Texas Ratio: 1.82%. 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 Efland, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Efland 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 Efland, North Carolina
Market share is the lender's share of all home loans closed in Efland, 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 |
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1125 ACADEMY ST N, AHOSKIE, NC 27910 A-5.0 ★Texas Ratio: 14.13% |
Conventional, Jumbo, HELOC | 13 +11 HELOCs |
14.1% | 86.7% | $312,692 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 4 | 4.3% | 100% | $190,000 | View |
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303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional | 3 | 3.3% | 100% | $198,333 | View |
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804 E Williams St, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.02% |
Conventional | 1 | 1.1% | 100% | $235,000 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 1.1% | 50% | $175,000 | View |
First Savings & Loan Association
206 W Center St, Mebane, NC 27302 |
Conventional | 1 | 1.1% | 100% | $265,000 | |
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104 NC 54 Ste KK, Carrboro, NC 27510 A5.0 ★Texas Ratio: 6.08% |
Conventional | 1 | 1.1% | 100% | $285,000 | View |
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★ 1.7 stars, 3 reviews 102 Church St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 4.24% |
FHA | 1 | 1.1% | 100% | $205,000 | View |
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★ 1 stars, 1 review 1803 N Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo | 1 | 1.1% | 100% | $895,000 | View |
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★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82% |
FHA | 1 | 1.1% | 100% | $205,000 | View |
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1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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47560 Highway 12, Buxton, NC 27920 A+5.0 ★Texas Ratio: 2.15% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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3101 S Church St, Burlington, NC 27215 A+5.0 ★Texas Ratio: 2.51% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 2.2% | 100% | $110,000 | |
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A+5.0 ★Texas Ratio: 0.46% |
Conventional | 1 | 1.1% | 100% | $485,000 | View |
Wolfe Financial Inc
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Conventional | 1 | 1.1% | 100% | $245,000 | |
Corporate Investors Mortgage G
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Conventional | 1 | 1.1% | 100% | $695,000 | |
loanDepot.com LLC
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Conventional, FHA, VA | 23 | 25% | 92% | $298,043 | |
United Wholesale Mortgage
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Conventional, FHA | 4 | 4.3% | 100% | $325,000 | |
Rocket Mortgage
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Conventional, FHA | 3 | 3.3% | 75% | $155,000 | |
Primelending
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Conventional, FHA | 2 | 2.2% | 100% | $150,000 | |
CrossCountry Mortgage, LLC
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FHA | 2 | 2.2% | 100% | $210,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 1.1% | 100% | $105,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 1.1% | 100% | $65,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 1.1% | 100% | $275,000 | |
Newrez LLC
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FHA | 1 | 1.1% | 33.3% | $215,000 | |
Brighton Bank
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VA | 1 | 1.1% | 100% | $335,000 | |
ALCOVA Mortgage, LLC
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FHA | 1 | 1.1% | 100% | $185,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 1.1% | 100% | $185,000 | |
Guild Mortgage Company
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Conventional | 1 | 1.1% | 100% | $265,000 | |
Ahl Funding
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Conventional | 1 | 1.1% | 100% | $255,000 | |
Discover Bank
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Conventional | 1 | 1.1% | 100% | $55,000 | |
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A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 1.1% | 100% | $55,000 | View |
Union Home Mortgage Corp.
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VA | 1 | 1.1% | 100% | $335,000 | |
SIRVA Mortgage, Inc.
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Conventional | 1 | 1.1% | 100% | $295,000 | |
Mortgage Research Center
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VA | 1 | 1.1% | 100% | $285,000 | |
Grow Financial Federal Credit Union
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Conventional | 1 | 1.1% | 100% | $105,000 | |
Pentagon Federal Credit Union
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VA | 1 | 1.1% | 100% | $275,000 | |
TowneBank
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Conventional | 1 | 1.1% | 50% | $215,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 1.1% | 100% | $495,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 1.1% | 100% | $195,000 | |
New American Funding, LLC.
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Conventional, Jumbo | 1 | 1.1% | 100% | $1,165,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 1.1% | 100% | $225,000 | View |
Nationwide Mortgage Bankers, Inc.
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FHA | 1 | 1.1% | 100% | $345,000 | |
Fairway Independent Mort Corp
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VA | 1 | 1.1% | 100% | $325,000 | |
Mortgage Investors Group
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Conventional | 1 | 1.1% | 100% | $405,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 1.1% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 1.1% | 100% | $75,000 | View |
Efland 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 Efland, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Efland? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Efland in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Efland, NC
Use these to narrow the list above. Each category shows how many Efland, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Efland, NC
Independent mortgage companies closed 57.6 percent of home loans in Efland, North Carolina in 2025, banks 22.8 percent and credit unions 19.6 percent. Cardinal Financial Company, Li was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, State Employees' Credit Union led with 13 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 Efland, NC
By home loans closed in 2025, State Employees' Credit Union was the largest mortgage lender in Efland, North Carolina with 13 loans, about 14.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
12 lenders closed FHA loans in Efland, North Carolina in 2025, led by loanDepot.com LLC with 14. 6 lenders closed VA loans, led by loanDepot.com 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. 17 banks and 7 credit unions closed home loans in Efland, North Carolina in 2025, alongside 24 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 Efland, 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 Efland, 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 Efland. 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.
