Mortgage Lenders and Brokers in Hays, 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
Hays, North Carolina mortgage lenders include State Employees' Credit UnionState Employees' Credit Union1125 ACADEMY ST N, AHOSKIE, NC 27910A-5.0 ★Texas Ratio: 14.13%, First National Bank of PAFirst National Bank of PA303 S Salem St, Apex, NC 27502A+5.0 ★Texas Ratio: 1.62%, Truist BankTruist Bank1803 N Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 2.87%, PNC Bank N.A.PNC Bank N.A.102 Church St E, Ahoskie, NC 27910A+5.0 ★Texas Ratio: 4.24%, Skyline National BankSkyline National Bank1641 Blowing Rock Road, Boone, NC 28607A+5.0 ★Texas Ratio: 3.31%, Truliant Federal Credit UnionTruliant Federal Credit Union1055 E Dixie Dr, Asheboro, NC 27203A5.0 ★Texas Ratio: 6.43%, Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%, First Horizon BankFirst Horizon Bank5361 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.76%, First Community BankFirst Community Bank115 Main St E, Banner Elk, NC 28604A+5.0 ★Texas Ratio: 3.36%, and Civic FCUCivic FCU1118 Academy St N, Ahoskie, NC 27910F1.0 ★Texas Ratio: 75.00%. 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 Hays, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Hays 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 Hays, North Carolina
Market share is the lender's share of all home loans closed in Hays, 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, HELOC | 27 +11 HELOCs |
32.1% | 87.5% | $189,444 | View |
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303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 3 +1 HELOCs |
3.6% | 60% | $108,333 | View |
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★ 1 stars, 1 review 1803 N Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 2.87% |
Conventional, VA, HELOC | 2 +3 HELOCs |
2.4% | 100% | $560,000 | View |
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★ 1.7 stars, 3 reviews 102 Church St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +1 HELOCs |
1.2% | 100% | $335,000 | View |
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1641 Blowing Rock Road, Boone, NC 28607 A+5.0 ★Texas Ratio: 3.31% |
Conventional | 1 | 1.2% | 50% | $105,000 | View |
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1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43% |
Conventional | 1 | 1.2% | 33.3% | $65,000 | View |
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5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.2% | 20% | $105,000 | View |
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★ 5 stars, 1 review 5361 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.76% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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115 Main St E, Banner Elk, NC 28604 A+5.0 ★Texas Ratio: 3.36% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA, VA | 10 | 11.9% | 90.9% | $166,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional, FHA | 5 | 6% | 100% | $139,000 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, USDA | 5 | 6% | 100% | $173,000 | |
United Wholesale Mortgage
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FHA, VA | 4 | 4.8% | 100% | $247,500 | |
Guild Mortgage Company
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Conventional, FHA | 3 | 3.6% | 100% | $201,666 | |
ALCOVA Mortgage, LLC
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Conventional | 2 | 2.4% | 100% | $140,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 2.4% | 100% | $245,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 2 | 2.4% | 66.7% | $70,000 | |
Mortgage Research Center
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VA | 2 | 2.4% | 100% | $275,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 2 | 2.4% | 100% | $270,000 | |
New American Funding, LLC.
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FHA, HELOC | 1 +1 HELOCs |
1.2% | 50% | $125,000 | |
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C3.9 ★Texas Ratio: 27.97% |
VA | 1 | 1.2% | 100% | $395,000 | View |
Guaranteed Rate, Inc.
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FHA | 1 | 1.2% | 100% | $175,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 1.2% | 50% | $385,000 | |
Movement Mortgage, LLC
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FHA | 1 | 1.2% | 100% | $265,000 | |
American Financial Network, Inc.
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FHA | 1 | 1.2% | 100% | $235,000 | |
Planet Home Lending, LLC
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FHA | 1 | 1.2% | 100% | $165,000 | |
Provident Funding Associates
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Conventional | 1 | 1.2% | 100% | $215,000 | |
Nationstar Mortgage
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FHA | 1 | 1.2% | 50% | $315,000 | |
Summit Mortgage Corporation
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Conventional | 1 | 1.2% | 100% | $205,000 | |
21St Mortgage
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Conventional | 1 | 1.2% | 100% | $105,000 |
Hays 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 Hays, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Hays? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Hays in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Hays, NC
Use these to narrow the list above. Each category shows how many Hays, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Hays, NC
Independent mortgage companies closed 56 percent of home loans in Hays, North Carolina in 2025, banks 10.7 percent and credit unions 33.3 percent. Rocket Mortgage 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, State Employees' Credit Union led with 27 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 Hays, NC
By home loans closed in 2025, State Employees' Credit Union was the largest mortgage lender in Hays, North Carolina with 27 loans, about 32.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
14 lenders closed FHA loans in Hays, North Carolina in 2025, led by Rocket Mortgage with 3. 6 lenders closed VA loans, led by Rocket Mortgage, 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. 8 banks and 3 credit unions closed home loans in Hays, North Carolina in 2025, alongside 20 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 Hays, 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 Hays, 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 Hays. 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.
