Mortgage Lenders and Brokers in Elkin, 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
Elkin, North Carolina mortgage lenders include First National Bank of PAFirst National Bank of PA1318 N Bridge St, Elkin, NC 28621A+5.0 ★Texas Ratio: 1.62%, Truist BankTruist Bank1661 N Bridge St, Elkin, NC 28621A+5.0 ★Texas Ratio: 2.87%, Wells Fargo Bank NAWells Fargo Bank NA1500 N Bridge St, Elkin, NC 28621A+5.0 ★Texas Ratio: 5.36%, First Community BankFirst Community Bank393 Cc Camp Rd, Elkin, NC 28621A+5.0 ★Texas Ratio: 3.36%, State Employees' Credit UnionState Employees' Credit Union426 CC CAMP RD, ELKIN, NC 28621A-5.0 ★Texas Ratio: 14.13%, Truliant Federal Credit UnionTruliant Federal Credit Union1055 E Dixie Dr, Asheboro, NC 27203A5.0 ★Texas Ratio: 6.43%, Allegacy Federal Credit UnionAllegacy Federal Credit Union128 Yadkin Valley Rd, Advance, NC 27006A+5.0 ★Texas Ratio: 4.25%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust351 N 1st St, Albemarle, NC 28001A5.0 ★Texas Ratio: 7.72%, Regions BankRegions Bank1045 Providence Rd, Charlotte, NC 28207A+5.0 ★Texas Ratio: 4.37%, and Coastal Federal Credit UnionCoastal Federal Credit UnionOlive Chapel Village #131, Apex, NC 27502A+5.0 ★Texas Ratio: 4.34%. 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 Elkin, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Elkin 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 Elkin, North Carolina
Market share is the lender's share of all home loans closed in Elkin, 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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1 office in Elkin 1318 N Bridge St, Elkin, NC 28621 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 12 +15 HELOCs |
8.1% | 70.6% | $187,500 | View |
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★ 1 stars, 1 review 1 office in Elkin 1661 N Bridge St, Elkin, NC 28621 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 4 +5 HELOCs |
2.7% | 100% | $197,500 | View |
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1 office in Elkin 1500 N Bridge St, Elkin, NC 28621 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 3 | 2% | 60% | $115,000 | View |
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1 office in Elkin 393 Cc Camp Rd, Elkin, NC 28621 A+5.0 ★Texas Ratio: 3.36% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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426 CC CAMP RD, ELKIN, NC 28621 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 38 +20 HELOCs |
25.7% | 86.4% | $263,947 | View |
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1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43% |
Conventional, HELOC | 2 +1 HELOCs |
1.4% | 50% | $95,000 | View |
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128 Yadkin Valley Rd, Advance, NC 27006 A+5.0 ★Texas Ratio: 4.25% |
Conventional, HELOC | 1 +2 HELOCs |
0.7% | 100% | $365,000 | View |
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351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $65,000 | View |
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1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.7% | 100% | $205,000 | View |
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Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
Conventional | 1 | 0.7% | 100% | $245,000 | |
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1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
FHA | 1 | 0.7% | 100% | $185,000 | View |
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335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 1 | 0.7% | 100% | $55,000 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 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 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.7% | 100% | $135,000 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA | 12 | 8.1% | 100% | $173,333 | |
Rocket Mortgage
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Conventional, FHA, VA | 10 | 6.8% | 76.9% | $144,000 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 10 | 6.8% | 100% | $204,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 6 | 4.1% | 85.7% | $265,000 | |
Newrez LLC
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Conventional, FHA, VA | 5 | 3.4% | 100% | $217,000 | |
Freedom Mortgage Corporation
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Conventional, FHA | 3 | 2% | 100% | $151,666 | |
Mortgage Research Center
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VA | 3 | 2% | 75% | $288,333 | |
loanDepot.com LLC
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Conventional, HELOC | 2 +1 HELOCs |
1.4% | 100% | $225,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 2 | 1.4% | 33.3% | $95,000 | |
American Financial Network, Inc.
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Conventional, FHA | 2 | 1.4% | 100% | $105,000 | |
Saygo Home Loans, LLC
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FHA | 2 | 1.4% | 100% | $350,000 | |
New American Funding, LLC.
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Conventional, VA | 2 | 1.4% | 66.7% | $195,000 | |
Lower, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $295,000 | |
EMM Loans LLC
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Conventional | 1 | 0.7% | 100% | $555,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.7% | 100% | $185,000 | |
Millennium Financial Group Inc dba Mlend
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Conventional | 1 | 0.7% | 100% | $235,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.7% | 100% | $345,000 | |
CrossCountry Mortgage, LLC
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VA | 1 | 0.7% | 100% | $245,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.7% | 100% | $255,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.7% | 100% | $185,000 | |
Pennymac Loan Services LLC
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VA | 1 | 0.7% | 50% | $225,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.7% | 100% | $285,000 | View |
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A+5.0 ★Texas Ratio: 4.72% |
FHA | 1 | 0.7% | 100% | $215,000 | View |
Intercoastal Mortgage, LLC
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FHA | 1 | 0.7% | 100% | $415,000 | |
Schumacher Mortgage LLC
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Conventional | 1 | 0.7% | 100% | $475,000 | |
ClearPath Lending
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VA | 1 | 0.7% | 100% | $225,000 | |
Union Home Mortgage Corp.
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USDA | 1 | 0.7% | 100% | $185,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.7% | 100% | $475,000 | View |
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A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 0.7% | 100% | $295,000 | View |
Agfirst Farm Credit Bank
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Conventional | 1 | 0.7% | 100% | $155,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.7% | 100% | $55,000 | |
Summit Mortgage Corporation
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FHA | 1 | 0.7% | 100% | $265,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.7% | 50% | $515,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.7% | 100% | $65,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.7% | 20% | $135,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Elkin 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 Elkin, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Elkin? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Elkin in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Elkin, NC
Use these to narrow the list above. Each category shows how many Elkin, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Elkin, NC
Independent mortgage companies closed 51.4 percent of home loans in Elkin, North Carolina in 2025, banks 19.6 percent and credit unions 29.1 percent. Cardinal Financial Company, Li was the largest mortgage company, First National Bank of PA the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, Truist Bank led with 4 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 Elkin, NC
By home loans closed in 2025, First National Bank of PA was the largest mortgage lender in Elkin, North Carolina with 12 loans, about 8.1 percent of the market. The largest lender headquartered in North Carolina was Truist Bank with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
15 lenders closed FHA loans in Elkin, North Carolina in 2025, led by Atlantic Bay Mortgage Group with 5. 11 lenders closed VA loans, led by Newrez LLC, and 1 closed USDA rural loans. 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 5 credit unions closed home loans in Elkin, North Carolina in 2025, alongside 30 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 Elkin, 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 Elkin, 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 Elkin. 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.
