Mortgage Lenders and Brokers in Sylva, 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
Sylva, North Carolina mortgage lenders include First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust609 W Main St, Sylva, NC 28779A5.0 ★Texas Ratio: 7.72%, United Community BankUnited Community Bank1640 E Main St, Sylva, NC 28779A+5.0 ★Texas Ratio: 2.97%, Wells Fargo Bank NAWells Fargo Bank NA733 W Main St, Sylva, NC 28779A+5.0 ★Texas Ratio: 5.36%, State Employees' Credit UnionState Employees' Credit Union1746 E MAIN ST, SYLVA, NC 28779A-5.0 ★Texas Ratio: 14.13%, Bank of America NABank of America NA5496 Apex Peakway, Apex, NC 27502A+5.0 ★Texas Ratio: 4.14%, Champion Credit UnionChampion Credit Union2311 Hendersonville Rd, Arden, NC 28704A+5.0 ★Texas Ratio: 1.55%, HomeTrust BankHomeTrust Bank192 Airport Rd, Arden, NC 28704A+5.0 ★Texas Ratio: 5.53%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1007 Beaver Creek Commons Dr, Apex, NC 27502A+5.0 ★Texas Ratio: 3.68%, Ameris BankAmeris Bank6805 Carnegie Blvd, Charlotte, NC 28211A+5.0 ★Texas Ratio: 1.82%, and Cardinal Financial Company, LiCardinal Financial Company, LiCharlotte, NC. 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 Sylva, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sylva 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 Sylva, North Carolina
Market share is the lender's share of all home loans closed in Sylva, 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 Sylva 609 W Main St, Sylva, NC 28779 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 4 +3 HELOCs |
3.9% | 80% | $357,500 | View |
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1 office in Sylva 1640 E Main St, Sylva, NC 28779 A+5.0 ★Texas Ratio: 2.97% |
Conventional, HELOC | 2 +3 HELOCs |
1.9% | 66.7% | $320,000 | View |
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1 office in Sylva 733 W Main St, Sylva, NC 28779 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1% | 50% | $165,000 | View |
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1746 E MAIN ST, SYLVA, NC 28779 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 17 +27 HELOCs |
16.5% | 81% | $250,294 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
2.9% | 100% | $911,666 | View |
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2311 Hendersonville Rd, Arden, NC 28704 A+5.0 ★Texas Ratio: 1.55% |
Conventional | 2 | 1.9% | 100% | $280,000 | View |
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192 Airport Rd, Arden, NC 28704 A+5.0 ★Texas Ratio: 5.53% |
Conventional | 2 | 1.9% | 100% | $345,000 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1% | 100% | $175,000 | View |
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★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 1% | 100% | $255,000 | View |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 1.9% | 100% | $150,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 1% | 100% | $305,000 | |
American Security Mortgage Cor
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Conventional | 1 | 1% | 100% | $275,000 | |
Rocket Mortgage
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Conventional, FHA | 8 | 7.8% | 88.9% | $262,500 | |
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A+5.0 ★Texas Ratio: 3.36% |
Conventional, FHA | 4 | 3.9% | 100% | $217,500 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 4 | 3.9% | 80% | $262,500 | |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional, Jumbo | 3 | 2.9% | 100% | $621,666 | View |
Union Home Mortgage Corp.
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Conventional | 3 | 2.9% | 100% | $218,333 | |
Highlands Residential Mortgage, Ltd.
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Conventional, FHA | 3 | 2.9% | 100% | $135,000 | |
The Loan Store, Inc
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Conventional, VA | 3 | 2.9% | 100% | $405,000 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 1.9% | 100% | $355,000 | |
Howard Hanna Financial Services, Inc
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Conventional, FHA | 2 | 1.9% | 100% | $305,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 2 | 1.9% | 66.7% | $300,000 | |
Cmg Mortgage Inc
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Conventional | 2 | 1.9% | 100% | $295,000 | |
New Day Financial, LLC.
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VA | 2 | 1.9% | 100% | $495,000 | |
Atlantic Bay Mortgage Group
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Conventional, FHA | 2 | 1.9% | 100% | $105,000 | |
Tomo Mortgage LLC
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Conventional | 2 | 1.9% | 100% | $340,000 | |
Arc Home LLC
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Conventional | 1 | 1% | 100% | $265,000 | |
Equity Resources Inc
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Conventional | 1 | 1% | 100% | $315,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 1% | 100% | $505,000 | |
Newrez LLC
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VA | 1 | 1% | 50% | $445,000 | |
Guild Mortgage Company
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Conventional | 1 | 1% | 100% | $175,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 1% | 100% | $305,000 | View |
Discover Bank
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Conventional | 1 | 1% | 100% | $115,000 | |
Publix Employees Federal Credit Union
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Conventional | 1 | 1% | 100% | $275,000 | |
Schumacher Mortgage LLC
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Conventional | 1 | 1% | 100% | $805,000 | |
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A4.8 ★Texas Ratio: 6.72% |
Conventional | 1 | 1% | 100% | $445,000 | View |
Synovus Bank
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Conventional | 1 | 1% | 100% | $345,000 | |
Milend, Inc
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FHA | 1 | 1% | 100% | $175,000 | |
The Mortgage Firm
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VA | 1 | 1% | 100% | $335,000 | |
Mortgage Research Center
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VA | 1 | 1% | 50% | $275,000 | |
Towne Mortgage Company
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Conventional | 1 | 1% | 100% | $335,000 | |
Radius Financial Group Inc
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FHA | 1 | 1% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 0.55% |
Conventional | 1 | 1% | 100% | $225,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 1% | 100% | $345,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 1% | 100% | $235,000 | |
New American Funding, LLC.
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FHA | 1 | 1% | 100% | $55,000 | |
Fairway Independent Mort Corp
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FHA | 1 | 1% | 25% | $135,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 1% | 100% | $325,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 1% | 18.2% | $75,000 | |
Spring Eq, LLC
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Conventional | 1 | 1% | 100% | $65,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Sylva 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 Sylva, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Sylva? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sylva in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sylva, NC
Use these to narrow the list above. Each category shows how many Sylva, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Sylva, NC
Independent mortgage companies closed 54.4 percent of home loans in Sylva, North Carolina in 2025, banks 22.3 percent and credit unions 23.3 percent. Cardinal Financial Company, Li was the largest mortgage company, First Ciitizens Bank and Trust 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 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 Sylva, NC
By home loans closed in 2025, First Ciitizens Bank and Trust was the largest mortgage lender in Sylva, North Carolina with 4 loans, about 3.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
13 lenders closed FHA loans in Sylva, North Carolina in 2025, led by Rocket Mortgage with 3. 8 lenders closed VA loans, led by New Day Financial, 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. 15 banks and 5 credit unions closed home loans in Sylva, North Carolina in 2025, alongside 34 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 Sylva, 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 Sylva, 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 Sylva. 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.
