Mortgage Lenders and Brokers in West Jefferson, 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
West Jefferson, North Carolina mortgage lenders include Skyline National BankSkyline National Bank1055 Mount Jefferson Rd, West Jefferson, NC 28694A+5.0 ★Texas Ratio: 3.31%, First National Bank of PAFirst National Bank of PA1448 Mount Jefferson Rd, West Jefferson, NC 28694A+5.0 ★Texas Ratio: 1.62%, Fifth Third Bank, National AssociationFifth Third Bank, National Association402 S Jefferson Ave, West Jefferson, NC 28694A+5.0 ★Texas Ratio: 3.22%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust302 E 2nd St, West Jefferson, NC 28694A5.0 ★Texas Ratio: 7.72%, State Employees' Credit UnionState Employees' Credit Union1024 S JEFFERSON AVE, WEST JEFFERSON, NC 28694A-5.0 ★Texas Ratio: 14.13%, Coastal Federal Credit UnionCoastal Federal Credit UnionOlive Chapel Village #131, Apex, NC 27502A+5.0 ★Texas Ratio: 4.34%, Flagstar Bank NAFlagstar Bank NA121 W Trade St Ste 1150, Charlotte, NC 28202D3.3 ★Texas Ratio: 35.11%, Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%, United Community BankUnited Community Bank732 Main St, Andrews, NC 28901A+5.0 ★Texas Ratio: 2.97%, and Truist BankTruist Bank1803 N Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 2.87%. 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 West Jefferson, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in West Jefferson 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 West Jefferson, North Carolina
Market share is the lender's share of all home loans closed in West Jefferson, 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 West Jefferson 1055 Mount Jefferson Rd, West Jefferson, NC 28694 A+5.0 ★Texas Ratio: 3.31% |
Conventional, Jumbo | 15 | 12.5% | 100% | $295,666 | View |
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1 office in West Jefferson 1448 Mount Jefferson Rd, West Jefferson, NC 28694 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 4 +6 HELOCs |
3.3% | 57.1% | $92,500 | View |
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1 office in West Jefferson 402 S Jefferson Ave, West Jefferson, NC 28694 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 2 +3 HELOCs |
1.7% | 50% | $115,000 | View |
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1 office in West Jefferson 302 E 2nd St, West Jefferson, NC 28694 A5.0 ★Texas Ratio: 7.72% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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1024 S JEFFERSON AVE, WEST JEFFERSON, NC 28694 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 14 +19 HELOCs |
11.7% | 66.7% | $278,571 | View |
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Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
Conventional, HELOC | 3 +1 HELOCs |
2.5% | 100% | $308,333 | |
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121 W Trade St Ste 1150, Charlotte, NC 28202 D3.3 ★Texas Ratio: 35.11% |
Conventional, FHA | 2 | 1.7% | 66.7% | $185,000 | View |
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5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 1.7% | 100% | $140,000 | View |
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732 Main St, Andrews, NC 28901 A+5.0 ★Texas Ratio: 2.97% |
Conventional, HELOC | 1 +2 HELOCs |
0.8% | 100% | $285,000 | View |
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★ 1 stars, 1 review 1803 N Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 2.87% |
USDA, HELOC | 1 +1 HELOCs |
0.8% | 100% | $395,000 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.8% | 100% | $255,000 | 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 | 0.8% | 100% | $185,000 | View |
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835 Highway 70 West, Garner, NC 27529 A+5.0 ★Texas Ratio: 1.77% |
Conventional | 1 | 0.8% | 100% | $345,000 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.8% | 100% | $385,000 | View |
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2821 Crisman St, Charlotte, NC 28208 A+5.0 ★Texas Ratio: 3.27% |
Conventional | 1 | 0.8% | 100% | $175,000 | View |
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115 Main St E, Banner Elk, NC 28604 A+5.0 ★Texas Ratio: 3.36% |
Conventional | 1 | 0.8% | 100% | $195,000 | View |
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335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,265,000 | View |
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★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.8% | 100% | $255,000 | View |
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★ 1.7 stars, 3 reviews 102 Church St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA | 15 | 12.5% | 88.2% | $270,333 | |
Fairway Independent Mort Corp
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Conventional, FHA | 8 | 6.7% | 100% | $318,750 | |
Movement Mortgage, LLC
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Conventional, FHA | 7 | 5.8% | 100% | $237,857 | |
Guild Mortgage Company
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Conventional, FHA | 3 | 2.5% | 100% | $265,000 | |
Nbkc Bank
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Conventional | 2 | 1.7% | 100% | $260,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 2 | 1.7% | 100% | $270,000 | |
Resicentral LLC
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Conventional, FHA | 2 | 1.7% | 100% | $295,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 2 | 1.7% | 100% | $235,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 1.7% | 66.7% | $370,000 | |
New Day Financial, LLC.
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VA | 2 | 1.7% | 50% | $165,000 | |
Peoples Mortgage Company
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Conventional | 2 | 1.7% | 100% | $225,000 | |
Nationstar Mortgage
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Conventional, VA | 2 | 1.7% | 100% | $200,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 1.7% | 22.2% | $130,000 | |
United Wholesale Mortgage
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Conventional | 1 | 0.8% | 100% | $115,000 | |
Primelending
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Conventional | 1 | 0.8% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.8% | 100% | $555,000 | View |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 0.8% | 100% | $185,000 | View |
Freedom Mortgage Corporation
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VA | 1 | 0.8% | 100% | $315,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.8% | 100% | $385,000 | |
PHH Mortgage Corporation
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VA | 1 | 0.8% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.8% | 100% | $345,000 | View |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.8% | 100% | $285,000 | View |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.8% | 100% | $455,000 | View |
Atlantic Bay Mortgage Group
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FHA | 1 | 0.8% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 2.28% |
Conventional | 1 | 0.8% | 100% | $555,000 | View |
Mortgage Research Center
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VA | 1 | 0.8% | 100% | $255,000 | |
Lower, LLC
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Conventional | 1 | 0.8% | 100% | $325,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 0.8% | 25% | $375,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.8% | 100% | $135,000 | View |
Reliance First Capital, LLC
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Conventional | 1 | 0.8% | 100% | $215,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
West Jefferson 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 West Jefferson, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in West Jefferson? The list below shows the banks, credit unions and mortgage brokers that closed home loans in West Jefferson in 2025, with lenders based there listed first.
Types of Mortgage Lenders in West Jefferson, NC
Use these to narrow the list above. Each category shows how many West Jefferson, NC lenders fit and what that kind of lender is usually best for.
Who Lends in West Jefferson, NC
Independent mortgage companies closed 48.3 percent of home loans in West Jefferson, North Carolina in 2025, banks 35.8 percent and credit unions 15.8 percent. Rocket Mortgage was the largest mortgage company, Skyline National 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 0 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 West Jefferson, NC
By home loans closed in 2025, Skyline National Bank was the largest mortgage lender in West Jefferson, North Carolina with 15 loans, about 12.5 percent of the market. The largest lender headquartered in North Carolina was First Ciitizens Bank and Trust with 0 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
9 lenders closed FHA loans in West Jefferson, North Carolina in 2025, led by Movement Mortgage, LLC with 2. 7 lenders closed VA loans, led by New Day Financial, 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. 24 banks and 4 credit unions closed home loans in West Jefferson, North Carolina in 2025, alongside 24 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 West Jefferson, 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 West Jefferson, 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 West Jefferson. 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.
