Mortgage Lenders and Brokers in Franklin, North Carolina
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Franklin, North Carolina mortgage lenders include First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust50 W Main St, Franklin, NC 28734A5.0 ★Texas Ratio: 7.72%, United Community BankUnited Community Bank257 E Main St, Franklin, NC 28734A+5.0 ★Texas Ratio: 2.97%, Wells Fargo Bank NAWells Fargo Bank NA55 E Main St, Franklin, NC 28734A+5.0 ★Texas Ratio: 5.36%, PNC Bank N.A.PNC Bank N.A.100 W Main St, Franklin, NC 28734A+5.0 ★Texas Ratio: 4.24%, First BankFirst Bank30 Hyatt Rd, Franklin, NC 28734A+5.0 ★Texas Ratio: 1.94%, State Employees' Credit UnionState Employees' Credit Union245 CUNNINGHAM RD, FRANKLIN, NC 28734A-5.0 ★Texas Ratio: 14.13%, Mountain Credit UnionMountain Credit Union720 E Main St, Franklin, NC 28734 2674A+5.0 ★Texas Ratio: 3.23%, Champion Credit UnionChampion Credit Union2311 Hendersonville Rd, Arden, NC 28704A+5.0 ★Texas Ratio: 1.55%, Southstate Bank, National AssociationSouthstate Bank, National Association192 E Woodrow Ave, Belmont, NC 28012A+5.0 ★Texas Ratio: 2.27%, 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 Franklin, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Franklin 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 Franklin, North Carolina
Market share is the lender's share of all home loans closed in Franklin, 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 |
|---|---|---|---|---|---|---|
|
1 office in Franklin 50 W Main St, Franklin, NC 28734 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 15 +12 HELOCs |
2.7% | 85% | $229,000 | View |
|
1 office in Franklin 257 E Main St, Franklin, NC 28734 A+5.0 ★Texas Ratio: 2.97% |
Conventional, HELOC | 8 +24 HELOCs |
1.5% | 88.9% | $241,250 | View |
|
1 office in Franklin 55 E Main St, Franklin, NC 28734 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA, VA | 8 | 1.5% | 80% | $223,750 | View |
|
★ 1.7 stars, 3 reviews 1 office in Franklin 100 W Main St, Franklin, NC 28734 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 2 +8 HELOCs |
0.4% | 100% | $250,000 | View |
|
1 office in Franklin 30 Hyatt Rd, Franklin, NC 28734 A+5.0 ★Texas Ratio: 1.94% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
|
245 CUNNINGHAM RD, FRANKLIN, NC 28734 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 48 +38 HELOCs |
8.8% | 74.2% | $236,041 | View |
|
720 E Main St, Franklin, NC 28734 2674 A+5.0 ★Texas Ratio: 3.23% |
Conventional | 7 | 1.3% | 70% | $110,714 | View |
|
2311 Hendersonville Rd, Arden, NC 28704 A+5.0 ★Texas Ratio: 1.55% |
Conventional | 4 | 0.7% | 100% | $225,000 | View |
|
★ 5 stars, 1 review 192 E Woodrow Ave, Belmont, NC 28012 A+5.0 ★Texas Ratio: 2.27% |
Conventional, VA, Jumbo, HELOC | 3 +1 HELOCs |
0.5% | 100% | $541,666 | View |
|
1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 0.5% | 75% | $235,000 | View |
|
1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA | 3 | 0.5% | 83.3% | $218,333 | View |
|
8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $155,000 | View |
|
Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
Conventional | 2 | 0.4% | 100% | $295,000 | |
|
1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 2 | 0.4% | 50% | $230,000 | View |
|
5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +4 HELOCs |
0.2% | 100% | $575,000 | View |
|
★ 1 stars, 1 review 1803 N Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 2.87% |
VA, HELOC | 1 +1 HELOCs |
0.2% | 50% | $165,000 | View |
|
1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 50% | $225,000 | View |
|
3828 Nc Highway 105 S, Banner Elk, NC 28604 A+5.0 ★Texas Ratio: 4.09% |
Conventional | 1 | 0.2% | 100% | $295,000 | View |
|
1117 Parkside Main St, Cary, NC 27519 A+5.0 ★Texas Ratio: 2.98% |
Conventional | 1 | 0.2% | 100% | $195,000 | View |
|
192 Airport Rd, Arden, NC 28704 A+5.0 ★Texas Ratio: 5.53% |
Conventional | 1 | 0.2% | 25% | $205,000 | View |
|
1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
A+5.0 ★Texas Ratio: 3.12% |
Conventional, VA | 2 | 0.4% | 100% | $430,000 | View |
Goprime Mortgage, Inc.
|
Conventional, FHA | 2 | 0.4% | 100% | $250,000 | |
Rocket Mortgage
|
Conventional, FHA, VA | 103 | 18.9% | 84.7% | $206,262 | |
Union Home Mortgage Corp.
|
Conventional, FHA, VA, USDA, Jumbo, HELOC | 84 +8 HELOCs |
15.4% | 100% | $290,595 | |
United Wholesale Mortgage
|
Conventional, FHA, VA, HELOC | 27 +1 HELOCs |
4.9% | 73% | $279,444 | |
Mortgage Research Center
|
Conventional, VA | 13 | 2.4% | 68.4% | $278,076 | |
|
A+5.0 ★Texas Ratio: 0.55% |
Conventional, USDA | 13 | 2.4% | 92.9% | $206,538 | View |
|
A+5.0 ★Texas Ratio: 3.36% |
Conventional, FHA, VA | 11 | 2% | 100% | $289,545 | View |
Newrez LLC
|
Conventional, FHA, VA | 11 | 2% | 78.6% | $301,363 | |
Pennymac Loan Services LLC
|
Conventional, FHA, VA | 11 | 2% | 84.6% | $265,909 | |
|
A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA | 10 | 1.8% | 90.9% | $247,000 | View |
Plaza Home Mortgage, Inc
|
Conventional, FHA, VA | 8 | 1.5% | 72.7% | $258,750 | |
Movement Mortgage, LLC
|
Conventional, FHA | 7 | 1.3% | 100% | $229,285 | |
Nationstar Mortgage
|
Conventional | 7 | 1.3% | 100% | $152,142 | |
Vanderbilt Mortgage and Finance, Inc
|
Conventional | 7 | 1.3% | 33.3% | $133,571 | |
The Loan Store, Inc
|
Conventional | 6 | 1.1% | 100% | $241,666 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 5 +3 HELOCs |
0.9% | 71.4% | $171,000 | |
Towne Mortgage Company
|
Conventional, VA, USDA | 5 | 0.9% | 88.9% | $363,000 | |
American Financial Resources LLC
|
Conventional, FHA | 4 | 0.7% | 100% | $415,000 | |
Freedom Mortgage Corporation
|
Conventional, VA | 4 | 0.7% | 57.1% | $315,000 | |
Amerisave Mortgage Company
|
Conventional | 4 | 0.7% | 28.6% | $182,500 | |
loanDepot.com LLC
|
Conventional, FHA, HELOC | 3 +3 HELOCs |
0.5% | 60% | $145,000 | |
American Pacific Mortgage Corporation
|
Conventional | 3 | 0.5% | 100% | $291,666 | |
|
A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 0.5% | 100% | $128,333 | View |
Carrington Mortgage Services LLC
|
Conventional, FHA, VA | 3 | 0.5% | 50% | $225,000 | |
Village Capital & Investment
|
VA | 3 | 0.5% | 100% | $281,666 | |
|
A+5.0 ★Texas Ratio: 0.01% |
Conventional | 2 | 0.4% | 100% | $395,000 | View |
Equity Prime Mortgage LLC
|
FHA | 2 | 0.4% | 100% | $180,000 | |
Discover Bank
|
Conventional | 2 | 0.4% | 33.3% | $85,000 | |
Intercoastal Mortgage, LLC
|
Conventional | 2 | 0.4% | 100% | $320,000 | |
Click n' Close, Inc.
|
FHA | 2 | 0.4% | 100% | $300,000 | |
Schumacher Mortgage LLC
|
Conventional, VA | 2 | 0.4% | 100% | $645,000 | |
Atlantic Bay Mortgage Group
|
Conventional | 2 | 0.4% | 100% | $165,000 | |
Better Mortgage Corporation
|
Conventional | 2 | 0.4% | 100% | $75,000 | |
Mutual of Omaha Mortgage
|
Conventional | 2 | 0.4% | 66.7% | $155,000 | |
21St Mortgage
|
Conventional | 2 | 0.4% | 50% | $185,000 | |
Bank Fund Staff Federal Credit
|
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $65,000 | |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.2% | 100% | $445,000 | View |
American Airlines Federal Cred
|
Conventional | 1 | 0.2% | 100% | $395,000 | |
Guaranteed Rate, Inc.
|
FHA | 1 | 0.2% | 100% | $65,000 | |
Primelending
|
Conventional | 1 | 0.2% | 100% | $235,000 | |
Canopy Mortgage, LLC
|
Conventional | 1 | 0.2% | 100% | $185,000 | |
ALCOVA Mortgage, LLC
|
Conventional | 1 | 0.2% | 100% | $295,000 | |
CrossCountry Mortgage, LLC
|
FHA | 1 | 0.2% | 100% | $145,000 | |
|
A+5.0 ★Texas Ratio: 1.15% |
Conventional | 1 | 0.2% | 100% | $485,000 | View |
AmeriHome Mortgage Company, LLC
|
FHA | 1 | 0.2% | 100% | $245,000 | |
Triad Financial Services, Inc.
|
Conventional | 1 | 0.2% | 50% | $65,000 | |
|
A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
AdvantageFirst Lending Inc
|
VA | 1 | 0.2% | 100% | $235,000 | |
American Financial Network, Inc.
|
Conventional | 1 | 0.2% | 100% | $275,000 | |
Homestead Funding Corp.
|
Conventional | 1 | 0.2% | 100% | $305,000 | |
|
A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.2% | 100% | $225,000 | View |
Cmg Mortgage Inc
|
Conventional | 1 | 0.2% | 100% | $395,000 | |
|
A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.2% | 100% | $345,000 | View |
Mortgage Assurance Inc
|
Conventional | 1 | 0.2% | 100% | $205,000 | |
Success Mortgage Partners, Inc
|
Conventional | 1 | 0.2% | 100% | $245,000 | |
Credit Human Federal Credit Un
|
Conventional | 1 | 0.2% | 25% | $125,000 | |
SIRVA Mortgage, Inc.
|
Conventional | 1 | 0.2% | 100% | $765,000 | |
Mid-Continent Funding, Inc.
|
FHA | 1 | 0.2% | 100% | $75,000 | |
Highlands Residential Mortgage, Ltd.
|
Conventional | 1 | 0.2% | 100% | $455,000 | |
Homeowners Financial Group, LLC
|
FHA | 1 | 0.2% | 100% | $255,000 | |
Calcon Mutual Mortgage LLC
|
VA | 1 | 0.2% | 100% | $455,000 | |
New Day Financial, LLC.
|
VA | 1 | 0.2% | 25% | $105,000 | |
Thomasville National Bank
|
Conventional | 1 | 0.2% | 100% | $575,000 | |
Churchill Mortgage Corporation
|
Conventional | 1 | 0.2% | 100% | $335,000 | |
Intelliloan, Inc.
|
FHA | 1 | 0.2% | 100% | $265,000 | |
Direct Mortgage Loans, LLC
|
Conventional | 1 | 0.2% | 100% | $195,000 | |
New Story Lending LLC
|
Conventional | 1 | 0.2% | 100% | $275,000 | |
Agfirst Farm Credit Bank
|
Conventional | 1 | 0.2% | 100% | $245,000 | |
|
A+5.0 ★Texas Ratio: 2.20% |
FHA | 1 | 0.2% | 100% | $45,000 | View |
|
A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.2% | 100% | $125,000 | View |
|
A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,325,000 | View |
Pentagon Federal Credit Union
|
VA | 1 | 0.2% | 100% | $285,000 | |
|
A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.2% | 100% | $555,000 | View |
Radius Financial Group Inc
|
VA | 1 | 0.2% | 100% | $295,000 | |
Pike Creek Mortgage Services, Inc.
|
FHA | 1 | 0.2% | 100% | $365,000 | |
|
A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.2% | 100% | $315,000 | View |
|
A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,475,000 | View |
Summit Funding.Inc
|
Conventional | 1 | 0.2% | 100% | $205,000 | |
New American Funding, LLC.
|
Conventional | 1 | 0.2% | 100% | $105,000 | |
Mountain Commerce Bank
|
Conventional | 1 | 0.2% | 100% | $505,000 | |
I H Mississippi Valley Credit Union
|
Conventional | 1 | 0.2% | 100% | $125,000 | |
Lower, LLC
|
Conventional | 1 | 0.2% | 50% | $285,000 | |
Gmfs, LLC
|
Conventional | 1 | 0.2% | 100% | $335,000 | |
Consumers Credit Union
|
Conventional | 1 | 0.2% | 100% | $205,000 | |
|
A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.2% | 100% | $515,000 | View |
Fairway Independent Mort Corp
|
FHA | 1 | 0.2% | 100% | $255,000 | |
Mortgage Investors Group
|
Conventional | 1 | 0.2% | 100% | $185,000 | |
Reliance First Capital, LLC
|
VA | 1 | 0.2% | 100% | $165,000 | |
Ark-La-Tex Financial Services LLC
|
Conventional | 1 | 0.2% | 100% | $365,000 | |
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
Figure Lending LLC
|
HELOC | 0 +3 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Connexus Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Citizens Equity First Credit U
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Franklin 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 Franklin, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Franklin? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Franklin in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Franklin, NC
Use these to narrow the list above. Each category shows how many Franklin, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Franklin, NC
Independent mortgage companies closed 67.2 percent of home loans in Franklin, North Carolina in 2025, banks 19.2 percent and credit unions 13.6 percent. Goprime Mortgage, Inc. 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 15 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 Franklin, NC
By home loans closed in 2025, First Ciitizens Bank and Trust was the largest mortgage lender in Franklin, North Carolina with 15 loans, about 2.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Franklin, North Carolina, Union Home Mortgage Corp. approved the highest share of completed applications in 2025 at 100 percent, against a 81.1 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
26 lenders closed FHA loans in Franklin, North Carolina in 2025, led by Union Home Mortgage Corp. with 16. 24 lenders closed VA loans, led by Mortgage Research Center, 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. 35 banks and 16 credit unions closed home loans in Franklin, North Carolina in 2025, alongside 67 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 Franklin, 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 Franklin, 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 Franklin. 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.
