Mortgage Lenders and Brokers in Flat Rock, 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
Flat Rock, North Carolina mortgage lenders include First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust351 N 1st St, Albemarle, NC 28001A5.0 ★Texas Ratio: 7.72%, United Community BankUnited Community Bank732 Main St, Andrews, NC 28901A+5.0 ★Texas Ratio: 2.97%, HomeTrust BankHomeTrust Bank192 Airport Rd, Arden, NC 28704A+5.0 ★Texas Ratio: 5.53%, State Employees' Credit UnionState Employees' Credit Union90 Commercial Blvd, FLAT ROCK, NC 28731A-5.0 ★Texas Ratio: 14.13%, Champion Credit UnionChampion Credit Union2311 Hendersonville Rd, Arden, NC 28704A+5.0 ★Texas Ratio: 1.55%, Truist BankTruist Bank1803 N Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 2.87%, Telco Community Credit UnionTelco Community Credit Union198 Airport Rd, Arden, NC 28704A+5.0 ★Texas Ratio: 5.00%, Bank of America NABank of America NA5496 Apex Peakway, Apex, NC 27502A+5.0 ★Texas Ratio: 4.14%, United Bank VaUnited Bank Va47560 Highway 12, Buxton, NC 27920A+5.0 ★Texas Ratio: 2.15%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1007 Beaver Creek Commons Dr, Apex, NC 27502A+5.0 ★Texas Ratio: 3.68%. 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 Flat Rock, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Flat Rock 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 Flat Rock, North Carolina
Market share is the lender's share of all home loans closed in Flat Rock, 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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351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo, HELOC | 6 +10 HELOCs |
4.6% | 75% | $933,333 | View |
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732 Main St, Andrews, NC 28901 A+5.0 ★Texas Ratio: 2.97% |
Conventional, HELOC | 6 +9 HELOCs |
4.6% | 100% | $605,000 | View |
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192 Airport Rd, Arden, NC 28704 A+5.0 ★Texas Ratio: 5.53% |
Conventional, HELOC | 5 +3 HELOCs |
3.8% | 100% | $267,000 | View |
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90 Commercial Blvd, FLAT ROCK, NC 28731 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 4 +5 HELOCs |
3.1% | 80% | $312,500 | View |
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2311 Hendersonville Rd, Arden, NC 28704 A+5.0 ★Texas Ratio: 1.55% |
Conventional | 3 | 2.3% | 100% | $205,000 | 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 | 2 +5 HELOCs |
1.5% | 100% | $145,000 | View |
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198 Airport Rd, Arden, NC 28704 A+5.0 ★Texas Ratio: 5.00% |
Conventional | 2 | 1.5% | 100% | $365,000 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.8% | 50% | $345,000 | View |
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47560 Highway 12, Buxton, NC 27920 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.8% | 100% | $285,000 | 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% | $565,000 | View |
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101 S Tryon St, Charlotte, NC 28280 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.8% | 100% | $425,000 | View |
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Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,455,000 | |
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5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.8% | 33.3% | $315,000 | View |
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★ 5 stars, 1 review 192 E Woodrow Ave, Belmont, NC 28012 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 1 | 0.8% | 100% | $765,000 | View |
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105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94% |
Conventional, Jumbo | 1 | 0.8% | 100% | $975,000 | View |
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1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43% |
HELOC | 0 +1 HELOCs |
0% | n/a | 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 | |
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335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA, VA | 15 | 11.5% | 80% | $435,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 10 | 7.7% | 66.7% | $403,000 | |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional, Jumbo, HELOC | 9 +3 HELOCs |
6.9% | 100% | $495,000 | View |
Atlantic Bay Mortgage Group
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Conventional, FHA | 9 | 6.9% | 100% | $391,666 | |
Howard Hanna Financial Services, Inc
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Conventional, FHA, VA, Jumbo | 8 | 6.2% | 100% | $573,750 | |
Movement Mortgage, LLC
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Conventional, FHA | 6 | 4.6% | 100% | $356,666 | |
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A+5.0 ★Texas Ratio: 3.36% |
Conventional | 2 | 1.5% | 100% | $610,000 | View |
Guaranteed Rate, Inc.
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Conventional | 2 | 1.5% | 100% | $295,000 | |
Newrez LLC
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Conventional | 2 | 1.5% | 66.7% | $60,000 | |
ALCOVA Mortgage, LLC
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Conventional | 2 | 1.5% | 100% | $635,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional | 2 | 1.5% | 100% | $185,000 | View |
Fairway Independent Mort Corp
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Conventional, FHA | 2 | 1.5% | 100% | $435,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA, HELOC | 1 +2 HELOCs |
0.8% | 100% | $305,000 | |
Arc Home LLC
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Conventional | 1 | 0.8% | 100% | $315,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.8% | 100% | $615,000 | |
Nbkc Bank
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Conventional | 1 | 0.8% | 100% | $305,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $525,000 | |
Pennymac Loan Services LLC
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VA | 1 | 0.8% | 100% | $175,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.8% | 50% | $395,000 | View |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.8% | 100% | $105,000 | |
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A+5.0 ★Texas Ratio: 1.16% |
Conventional | 1 | 0.8% | 100% | $245,000 | View |
LoanFlight Lending, LLC.
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Conventional | 1 | 0.8% | 100% | $465,000 | |
ClearPath Lending
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VA | 1 | 0.8% | 100% | $325,000 | |
Strong Home Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $685,000 | |
Real Genius LLC
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Conventional | 1 | 0.8% | 100% | $355,000 | |
Weichert Financial Services
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Conventional | 1 | 0.8% | 100% | $685,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.8% | 50% | $425,000 | View |
Churchill Mortgage Corporation
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Conventional | 1 | 0.8% | 100% | $655,000 | |
T2 Financial LLC
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FHA | 1 | 0.8% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
VA, Jumbo | 1 | 0.8% | 100% | $935,000 | View |
Mortgage Research Center
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VA | 1 | 0.8% | 50% | $505,000 | |
Radius Financial Group Inc
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Conventional | 1 | 0.8% | 100% | $375,000 | |
New American Funding, LLC.
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FHA | 1 | 0.8% | 100% | $145,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.8% | 100% | $325,000 | View |
21St Mortgage
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Conventional | 1 | 0.8% | 100% | $75,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.8% | 25% | $295,000 | |
Reliance First Capital, LLC
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Conventional | 1 | 0.8% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Synovus Bank
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HELOC | 0 +1 HELOCs |
0% | n/a |
Flat Rock 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 Flat Rock, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Flat Rock? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Flat Rock in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Flat Rock, NC
Use these to narrow the list above. Each category shows how many Flat Rock, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Flat Rock, NC
Independent mortgage companies closed 56.9 percent of home loans in Flat Rock, North Carolina in 2025, banks 27.7 percent and credit unions 15.4 percent. Rocket Mortgage 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 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 Flat Rock, NC
By home loans closed in 2025, First Ciitizens Bank and Trust was the largest mortgage lender in Flat Rock, North Carolina with 6 loans, about 4.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Flat Rock, North Carolina in 2025, led by Atlantic Bay Mortgage Group with 2. 9 lenders closed VA loans, led by Rocket 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. 25 banks and 7 credit unions closed home loans in Flat Rock, North Carolina in 2025, alongside 27 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 Flat Rock, 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 Flat Rock, 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 Flat Rock. 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.
