Mortgage Lenders and Brokers in Pilot Mountain, 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
Pilot Mountain, North Carolina mortgage lenders include First Horizon BankFirst Horizon Bank616 S Key St, Pilot Mountain, NC 27041A+5.0 ★Texas Ratio: 5.76%, First Community BankFirst Community Bank653 S Key St, Pilot Mountain, NC 27041A+5.0 ★Texas Ratio: 3.36%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust110 W Main St, Pilot Mountain, NC 27041A5.0 ★Texas Ratio: 7.72%, Truist BankTruist Bank108 E Main St, Pilot Mountain, NC 27041A+5.0 ★Texas Ratio: 2.87%, State Employees' Credit UnionState Employees' Credit Union204 LOLA LN, PILOT MOUNTAIN, NC 27041A-5.0 ★Texas Ratio: 14.13%, Allegacy Federal Credit UnionAllegacy Federal Credit Union128 Yadkin Valley Rd, Advance, NC 27006A+5.0 ★Texas Ratio: 4.25%, First National Bank of PAFirst National Bank of PA303 S Salem St, Apex, NC 27502A+5.0 ★Texas Ratio: 1.62%, Blue Ridge BankBlue Ridge Bank3202 Northline Ave, Greensboro, NC 27408A5.0 ★Texas Ratio: 8.11%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1007 Beaver Creek Commons Dr, Apex, NC 27502A+5.0 ★Texas Ratio: 3.68%, and Skyline National BankSkyline National Bank1641 Blowing Rock Road, Boone, NC 28607A+5.0 ★Texas Ratio: 3.31%. 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 Pilot Mountain, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Pilot Mountain 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 Pilot Mountain, North Carolina
Market share is the lender's share of all home loans closed in Pilot Mountain, 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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★ 5 stars, 1 review 1 office in Pilot Mountain 616 S Key St, Pilot Mountain, NC 27041 A+5.0 ★Texas Ratio: 5.76% |
Conventional, HELOC | 1 +3 HELOCs |
1.6% | 100% | $125,000 | View |
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1 office in Pilot Mountain 653 S Key St, Pilot Mountain, NC 27041 A+5.0 ★Texas Ratio: 3.36% |
Conventional, HELOC | 1 +1 HELOCs |
1.6% | 100% | $65,000 | View |
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1 office in Pilot Mountain 110 W Main St, Pilot Mountain, NC 27041 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 1 +1 HELOCs |
1.6% | 100% | $245,000 | View |
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★ 1 stars, 1 review 1 office in Pilot Mountain 108 E Main St, Pilot Mountain, NC 27041 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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204 LOLA LN, PILOT MOUNTAIN, NC 27041 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 4 +8 HELOCs |
6.3% | 100% | $297,500 | View |
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128 Yadkin Valley Rd, Advance, NC 27006 A+5.0 ★Texas Ratio: 4.25% |
Conventional, HELOC | 3 +8 HELOCs |
4.8% | 100% | $188,333 | View |
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303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional | 3 | 4.8% | 60% | $265,000 | View |
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3202 Northline Ave, Greensboro, NC 27408 A5.0 ★Texas Ratio: 8.11% |
USDA | 1 | 1.6% | 100% | $135,000 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.6% | 100% | $275,000 | View |
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1641 Blowing Rock Road, Boone, NC 28607 A+5.0 ★Texas Ratio: 3.31% |
Conventional | 1 | 1.6% | 100% | $35,000 | View |
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103 N 2nd St, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 1.6% | 100% | $405,000 | 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 | |
Piedmont Advantage Credit Unio
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
EMM Loans LLC
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Conventional, FHA | 6 | 9.5% | 87.5% | $298,333 | |
Rocket Mortgage
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Conventional, FHA, VA | 6 | 9.5% | 66.7% | $200,000 | |
Freedom Mortgage Corporation
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VA | 3 | 4.8% | 100% | $318,333 | |
Atlantic Bay Mortgage Group
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Conventional, USDA | 3 | 4.8% | 100% | $201,666 | |
Nationstar Mortgage
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Conventional | 3 | 4.8% | 100% | $301,666 | |
Mortgage Research Center
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VA | 3 | 4.8% | 100% | $308,333 | |
Atlantic Coast Mortgage, LLC
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Conventional | 2 | 3.2% | 100% | $155,000 | |
New Day Financial, LLC.
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VA | 2 | 3.2% | 100% | $270,000 | |
Towne Mortgage Company
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Conventional, USDA | 2 | 3.2% | 100% | $200,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 1.6% | 100% | $525,000 | |
United Wholesale Mortgage
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Conventional | 1 | 1.6% | 100% | $355,000 | |
Goodleap, LLC
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VA | 1 | 1.6% | 100% | $175,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 1.6% | 100% | $205,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 1.6% | 100% | $315,000 | |
Movement Mortgage, LLC
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FHA | 1 | 1.6% | 100% | $415,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 1.6% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 1.6% | 100% | $235,000 | View |
Agfirst Farm Credit Bank
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Conventional | 1 | 1.6% | 100% | $805,000 | |
TowneBank
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FHA | 1 | 1.6% | 100% | $275,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 1.6% | 100% | $175,000 | |
New American Funding, LLC.
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Conventional | 1 | 1.6% | 100% | $205,000 | |
Summit Mortgage Corporation
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Conventional | 1 | 1.6% | 100% | $165,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 1.6% | 100% | $375,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 1.6% | 9.1% | $195,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 1.6% | 100% | $355,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
Pilot Mountain 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 Pilot Mountain, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Pilot Mountain? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Pilot Mountain in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Pilot Mountain, NC
Use these to narrow the list above. Each category shows how many Pilot Mountain, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Pilot Mountain, NC
Independent mortgage companies closed 68.3 percent of home loans in Pilot Mountain, North Carolina in 2025, banks 20.6 percent and credit unions 11.1 percent. EMM Loans LLC was the largest mortgage company, First Horizon Bank the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, First Ciitizens Bank and Trust led with 1 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 Pilot Mountain, NC
By home loans closed in 2025, First Horizon Bank was the largest mortgage lender in Pilot Mountain, North Carolina with 1 loans, about 1.6 percent of the market. The largest lender headquartered in North Carolina was First Ciitizens Bank and Trust with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Pilot Mountain, North Carolina in 2025, led by EMM Loans LLC with 4. 6 lenders closed VA loans, led by Freedom Mortgage Corporation, and 3 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. 13 banks and 4 credit unions closed home loans in Pilot Mountain, North Carolina in 2025, alongside 23 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 Pilot Mountain, 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 Pilot Mountain, 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 Pilot Mountain. 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.
