Mortgage lenders in Surry County
1,388 mortgages were made in Surry County, North Carolina, in 2025, by 210 lenders. The median rate their borrowers got was 6.500% on a median loan of $165,000. Of 1,943 decisions, 482 were denials — 24.8%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| STATE EMPLOYEES' | 264 | 6.250% | $115,000 | 23.7% |
| Rocket Mortgage, LLC | 96 | 6.500% | $165,000 | 18.2% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 85 | 6.500% | $195,000 | 1.2% |
| ALLEGACY FEDERAL CREDIT UNION | 78 | 5.750% | $105,000 | 13.0% |
| EMM LOANS LLC | 60 | 6.438% | $230,000 | 1.6% |
| First National Bank of Pennsylvania | 53 | 6.540% | $175,000 | 20.9% |
| Truist Bank | 47 | 7.200% | $105,000 | 32.9% |
| First Community Bank | 40 | 7.763% | $105,000 | 23.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 39 | 6.125% | $195,000 | 20.4% |
| Fairway Independent Mortgage Corporation | 31 | 6.625% | $185,000 | 3.1% |
| First-Citizens Bank & Trust Company | 28 | 6.563% | $90,000 | 23.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 24 | 8.990% | $155,000 | 74.3% |
| First Horizon Bank | 23 | 7.440% | $55,000 | 29.4% |
| Mortgage Research Center, LLC | 22 | 6.250% | $230,000 | 24.1% |
| Loandepot.Com, LLC | 21 | 6.375% | $165,000 | 38.9% |
| AMERICAN FINANCIAL RESOURCES, INC. | 21 | 6.250% | $215,000 | 4.6% |
| PNC Bank, National Association | 17 | 7.390% | $115,000 | 25.0% |
| Renasant Bank | 17 | 6.250% | $175,000 | 5.6% |
| FREEDOM MORTGAGE CORPORATION | 16 | 6.250% | $330,000 | 10.5% |
| Truliant Federal Credit Union | 14 | 8.250% | $75,000 | 57.9% |
| PENNYMAC LOAN SERVICES, LLC | 14 | 5.688% | $270,000 | 16.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 14 | 6.313% | $205,000 | 6.7% |
| NATIONSTAR MORTGAGE LLC | 13 | 7.125% | $165,000 | 13.3% |
| TOWNE MORTGAGE COMPANY | 11 | 6.375% | $215,000 | 0.0% |
| ENVOY MORTGAGE, LTD | 10 | 6.563% | $235,000 | 0.0% |
| FIRST BANCORP, INC. | 10 | 7.500% | $185,000 | 16.7% |
| BlueHarbor Bank | 10 | Not published | $125,000 | 0.0% |
| Navy Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 18.2% |
| MOVEMENT MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 61.9% |
| NEWREZ LLC | 6 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 45.5% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 60.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 11.1% |
| GUARANTEED RATE, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| GUILD MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 14.3% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SKYLINE NATIONAL BANK | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Alcova Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 5 | Under 10 loans | Under 10 loans | 11.1% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LOCAL GOVERNMENT | 5 | Under 10 loans | Under 10 loans | 61.5% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 44.4% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AgFirst Farm Credit Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Carter Bank & Trust | 4 | Under 10 loans | Under 10 loans | 55.6% |
| FIGURE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Mid-Continent Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CALCON MUTUAL MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Reliance Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENNAR MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Lendage, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PIEDMONT ADVANTAGE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Blue Ridge Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| C & F Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Piedmont Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 83.3% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LATINO COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| COASTAL Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HONDA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOME ACCESS FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALTITUDE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STANDARD MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Adams Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wolfe Financial, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL REVERSE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southern First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank OZK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JAMS-01, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AgSouth Farm Credit, ACA | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900M2C4Q6DATP2889 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOUTHWEST STAGE FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Third Federal Savings and Loan Association of Cleveland | 0 | Under 10 loans | Under 10 loans | 100.0% |
| American Security Mortgage Corp. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| First Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Service Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| LADERA LENDING, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| FOUNDERS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Commerce Home Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| FAY SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| EASTMAN CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CLEARPATH LENDING | 0 | Under 10 loans | Under 10 loans | Not published |
| RUOFF MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CASTLE & COOKE MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SHARONVIEW FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KIND LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NexBank | 0 | Under 10 loans | Under 10 loans | Not published |
| Northwest Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Washington Trust Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| STOCKTON MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NORWICH COMMERCIAL GROUP, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDSURE MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| CORNING CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 10 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Surry County
20 FDIC-insured branches from 11 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First Community Bank | 5 | $345.5 million |
| Truist Bank | 3 | $323.2 million |
| Wells Fargo Bank, National Association | 2 | $249.1 million |
| First-Citizens Bank & Trust Company | 2 | $163.4 million |
| First Horizon Bank | 2 | $123.0 million |
| First National Bank of Pennsylvania | 1 | $173.0 million |
| PNC Bank, National Association | 1 | $72.9 million |
| Carter Bank & Trust | 1 | $70.4 million |
| BlueHarbor Bank | 1 | $24.5 million |
| The First Bank and Trust Company | 1 | $16.9 million |
| Woodforest National Bank | 1 | $5.2 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- First Community Bank, 1280 W Pine St, Mount Airy
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When the next year’s lending figures are out for Surry County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.