Mortgage Lenders and Brokers in Locust, 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
Locust, North Carolina mortgage lenders include Pinnacle BankPinnacle Bank102 South Street, Locust, NC 28097A+5.0 ★Texas Ratio: 3.04%, Uwharrie BankUwharrie Bank416 Main St W, Locust, NC 28097A+5.0 ★Texas Ratio: 0.72%, First BankFirst Bank114 Main St W, Locust, NC 28097A+5.0 ★Texas Ratio: 1.94%, Wells Fargo Bank NAWells Fargo Bank NA215 Main St W, Locust, NC 28097A+5.0 ★Texas Ratio: 5.36%, State Employees' Credit UnionState Employees' Credit Union11605 REDBRIDGE BLVD, LOCUST, NC 28097A-5.0 ★Texas Ratio: 14.13%, Fifth Third Bank, National AssociationFifth Third Bank, National Association1121 Moncure Place, Apex, NC 27523A+5.0 ★Texas Ratio: 3.22%, Truliant Federal Credit UnionTruliant Federal Credit Union1055 E Dixie Dr, Asheboro, NC 27203A5.0 ★Texas Ratio: 6.43%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1007 Beaver Creek Commons Dr, Apex, NC 27502A+5.0 ★Texas Ratio: 3.68%, Truist BankTruist Bank1803 N Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 2.87%, and First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust351 N 1st St, Albemarle, NC 28001A5.0 ★Texas Ratio: 7.72%. 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 Locust, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Locust 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 Locust, North Carolina
Market share is the lender's share of all home loans closed in Locust, 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 Locust 102 South Street, Locust, NC 28097 A+5.0 ★Texas Ratio: 3.04% |
Conventional, VA, HELOC | 8 +6 HELOCs |
3.5% | 88.9% | $291,250 | View |
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1 office in Locust 416 Main St W, Locust, NC 28097 A+5.0 ★Texas Ratio: 0.72% |
Conventional, HELOC | 6 +10 HELOCs |
2.6% | 100% | $311,666 | View |
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1 office in Locust 114 Main St W, Locust, NC 28097 A+5.0 ★Texas Ratio: 1.94% |
Conventional, HELOC | 3 +3 HELOCs |
1.3% | 75% | $411,666 | View |
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1 office in Locust 215 Main St W, Locust, NC 28097 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.9% | 100% | $265,000 | View |
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11605 REDBRIDGE BLVD, LOCUST, NC 28097 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 19 +27 HELOCs |
8.3% | 73.1% | $320,263 | View |
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1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, HELOC | 3 +4 HELOCs |
1.3% | 60% | $275,000 | View |
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1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43% |
Conventional, HELOC | 3 +3 HELOCs |
1.3% | 50% | $358,333 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.9% | 100% | $415,000 | View |
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★ 1 stars, 1 review 1803 N Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +4 HELOCs |
0.4% | 100% | $285,000 | View |
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351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 1 +3 HELOCs |
0.4% | 100% | $465,000 | View |
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148 Charlotte St, Asheville, NC 28801 1923 A5.0 ★Texas Ratio: 9.56% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $375,000 | View |
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★ 5 stars, 1 review 5361 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.4% | 100% | $195,000 | View |
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2821 Crisman St, Charlotte, NC 28208 A+5.0 ★Texas Ratio: 3.27% |
Conventional | 1 | 0.4% | 100% | $365,000 | View |
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335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 1 | 0.4% | 100% | $85,000 | View |
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8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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★ 5 stars, 1 review 192 E Woodrow Ave, Belmont, NC 28012 A+5.0 ★Texas Ratio: 2.27% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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128 Yadkin Valley Rd, Advance, NC 27006 A+5.0 ★Texas Ratio: 4.25% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
American Security Mortgage Cor
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Conventional, FHA | 6 | 2.6% | 100% | $413,333 | |
Rocket Mortgage
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Conventional, FHA, VA | 24 | 10.5% | 77.4% | $212,083 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, HELOC | 10 +1 HELOCs |
4.4% | 100% | $330,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 10 | 4.4% | 84.6% | $388,000 | |
Freedom Mortgage Corporation
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Conventional, FHA | 7 | 3.1% | 87.5% | $295,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 7 | 3.1% | 87.5% | $295,000 | |
Inspire Home Loans Inc.
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Conventional, FHA, VA | 7 | 3.1% | 100% | $399,285 | |
ALCOVA Mortgage, LLC
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Conventional, FHA, VA | 6 | 2.6% | 75% | $416,666 | |
Amerisave Mortgage Company
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Conventional, FHA, VA | 6 | 2.6% | 66.7% | $205,000 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA | 6 | 2.6% | 100% | $336,666 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 5 +1 HELOCs |
2.2% | 100% | $293,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, VA | 5 | 2.2% | 100% | $347,000 | View |
Newrez LLC
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Conventional, VA | 4 | 1.8% | 80% | $487,500 | |
Fairway Independent Mort Corp
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Conventional, VA | 4 | 1.8% | 100% | $347,500 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 3 | 1.3% | 75% | $265,000 | |
Mortgage Research Center
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FHA, VA | 3 | 1.3% | 100% | $335,000 | |
American Financial Resources LLC
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FHA | 2 | 0.9% | 100% | $360,000 | |
Atlantic Coast Mortgage, LLC
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Conventional | 2 | 0.9% | 100% | $150,000 | |
Primary Residential Mortgage, INC.
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Conventional | 2 | 0.9% | 100% | $325,000 | |
Howard Hanna Financial Services, Inc
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Conventional | 2 | 0.9% | 100% | $355,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 2 | 0.9% | 100% | $345,000 | View |
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A5.0 ★Texas Ratio: 13.21% |
Conventional, FHA | 2 | 0.9% | 100% | $285,000 | View |
Union Home Mortgage Corp.
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Conventional | 2 | 0.9% | 100% | $445,000 | |
Homeowners Financial Group, LLC
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Conventional | 2 | 0.9% | 100% | $285,000 | |
Nfm, Inc
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Conventional | 2 | 0.9% | 100% | $300,000 | |
New Day Financial, LLC.
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VA | 2 | 0.9% | 100% | $385,000 | |
Planet Home Lending, LLC
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Conventional, FHA | 2 | 0.9% | 100% | $155,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA | 2 | 0.9% | 66.7% | $420,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.9% | 100% | $235,000 | View |
Corning Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $65,000 | |
Polaris Home Funding Corp.
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FHA | 1 | 0.4% | 100% | $165,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.4% | 100% | $295,000 | View |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.4% | 100% | $445,000 | |
Goodleap, LLC
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VA | 1 | 0.4% | 50% | $195,000 | |
Affordable Mortgage Advisors
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Conventional | 1 | 0.4% | 100% | $85,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.4% | 100% | $225,000 | |
Kind Lending, LLC
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FHA | 1 | 0.4% | 100% | $295,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $325,000 | |
Guild Mortgage Company
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FHA | 1 | 0.4% | 100% | $345,000 | |
AdvantageFirst Lending Inc
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Conventional | 1 | 0.4% | 100% | $335,000 | |
Fidelity Direct Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 4.72% |
FHA | 1 | 0.4% | 100% | $435,000 | View |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.4% | 100% | $265,000 | View |
Nqm Funding, LLC
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Conventional | 1 | 0.4% | 100% | $425,000 | |
Mortgage Assurance Inc
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Conventional | 1 | 0.4% | 100% | $395,000 | |
Standard Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $675,000 | |
Click n' Close, Inc.
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FHA | 1 | 0.4% | 100% | $105,000 | |
American Financing Corporation
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FHA | 1 | 0.4% | 100% | $345,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $215,000 | |
Better Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $365,000 | |
Radius Financial Group Inc
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FHA | 1 | 0.4% | 100% | $125,000 | |
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A+5.0 ★Texas Ratio: 3.36% |
VA | 1 | 0.4% | 100% | $435,000 | View |
Keystone Funding, Inc
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VA | 1 | 0.4% | 100% | $475,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.4% | 100% | $215,000 | |
New American Funding, LLC.
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FHA | 1 | 0.4% | 100% | $185,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.4% | 100% | $345,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.4% | 100% | $475,000 | View |
Nmsi, Inc.
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Conventional | 1 | 0.4% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 3.58% |
Conventional | 1 | 0.4% | 100% | $255,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.4% | 100% | $235,000 | View |
21St Mortgage
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Conventional | 1 | 0.4% | 100% | $145,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.4% | 28.6% | $145,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.4% | 50% | $195,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.4% | 100% | $295,000 | |
Champions Funding, LLC
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,085,000 | |
Village Capital & Investment
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VA | 1 | 0.4% | 33.3% | $455,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Tower Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Citizens Equity First Credit U
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Clearview Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Technology Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Locust 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 Locust, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Locust? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Locust in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Locust, NC
Use these to narrow the list above. Each category shows how many Locust, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Locust, NC
Independent mortgage companies closed 69.7 percent of home loans in Locust, North Carolina in 2025, banks 18.9 percent and credit unions 11.4 percent. American Security Mortgage Cor was the largest mortgage company, Pinnacle Bank the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, Uwharrie 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 Locust, NC
By home loans closed in 2025, Pinnacle Bank was the largest mortgage lender in Locust, North Carolina with 8 loans, about 3.5 percent of the market. The largest lender headquartered in North Carolina was Uwharrie Bank with 6 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
28 lenders closed FHA loans in Locust, North Carolina in 2025, led by Freedom Mortgage Corporation with 5. 20 lenders closed VA loans, led by United Wholesale Mortgage. 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. 22 banks and 13 credit unions closed home loans in Locust, North Carolina in 2025, alongside 58 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 Locust, 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 Locust, 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 Locust. 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.
