Mortgage Lenders and Brokers in Franklinton, 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
Franklinton, North Carolina mortgage lenders include Benchmark Community BankBenchmark Community Bank103 S Main St, Franklinton, NC 27525A+5.0 ★Texas Ratio: 1.65%, State Employees' Credit UnionState Employees' Credit Union1125 ACADEMY ST N, AHOSKIE, NC 27910A-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%, North State BankNorth State Bank835 Highway 70 West, Garner, NC 27529A+5.0 ★Texas Ratio: 1.77%, First National Bank of PAFirst National Bank of PA303 S Salem St, Apex, NC 27502A+5.0 ★Texas Ratio: 1.62%, Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%, Truist BankTruist Bank1803 N Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 2.87%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust351 N 1st St, Albemarle, NC 28001A5.0 ★Texas Ratio: 7.72%, PNC Bank N.A.PNC Bank N.A.102 Church St E, Ahoskie, NC 27910A+5.0 ★Texas Ratio: 4.24%, and Huntington National BankHuntington National Bank101 S Tryon St, Charlotte, NC 28280A+5.0 ★Texas Ratio: 3.66%. 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 Franklinton, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Franklinton 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 Franklinton, North Carolina
Market share is the lender's share of all home loans closed in Franklinton, 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 Franklinton 103 S Main St, Franklinton, NC 27525 A+5.0 ★Texas Ratio: 1.65% |
Conventional | 2 | 0.6% | 100% | $260,000 | View |
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1125 ACADEMY ST N, AHOSKIE, NC 27910 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 21 +22 HELOCs |
6.8% | 70% | $261,666 | View |
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Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
Conventional, HELOC | 9 +3 HELOCs |
2.9% | 83.3% | $208,333 | |
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835 Highway 70 West, Garner, NC 27529 A+5.0 ★Texas Ratio: 1.77% |
Conventional | 5 | 1.6% | 100% | $317,000 | View |
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303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional | 5 | 1.6% | 100% | $99,000 | View |
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5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional, VA | 3 | 1% | 100% | $238,333 | 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 +4 HELOCs |
0.6% | 100% | $510,000 | View |
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351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 2 +3 HELOCs |
0.6% | 66.7% | $265,000 | View |
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★ 1.7 stars, 3 reviews 102 Church St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $375,000 | View |
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101 S Tryon St, Charlotte, NC 28280 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA | 2 | 0.6% | 100% | $330,000 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 2 | 0.6% | 100% | $515,000 | View |
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804 E Williams St, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.02% |
Conventional, HELOC | 1 +4 HELOCs |
0.3% | 100% | $305,000 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 1 | 0.3% | 100% | $845,000 | 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 | 0.3% | 100% | $205,000 | View |
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103 N 2nd St, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 3.04% |
FHA | 1 | 0.3% | 100% | $305,000 | View |
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202 N Main St, Louisburg, NC 27549 A+5.0 ★Texas Ratio: 2.42% |
Conventional | 1 | 0.3% | 100% | $165,000 | View |
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1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.3% | 33.3% | $75,000 | View |
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1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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732 Main St, Andrews, NC 28901 A+5.0 ★Texas Ratio: 2.97% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Towne Mtg of the Carolinas,LLC
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VA | 3 | 1% | 100% | $461,666 | |
American Security Mortgage Cor
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FHA | 2 | 0.6% | 100% | $315,000 | |
Goprime Mortgage, Inc.
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Conventional, FHA | 2 | 0.6% | 100% | $220,000 | |
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A+5.0 ★Texas Ratio: 3.12% |
Conventional | 1 | 0.3% | 100% | $365,000 | View |
Rocket Mortgage
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Conventional, FHA, VA | 25 | 8.1% | 78.8% | $261,800 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional, FHA, VA, USDA | 25 | 8.1% | 62.5% | $344,600 | |
Nfm, Inc
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Conventional, FHA, VA | 21 | 6.8% | 95.5% | $356,904 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 14 +2 HELOCs |
4.5% | 87.5% | $339,285 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 14 | 4.5% | 100% | $315,000 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 8 | 2.6% | 73.3% | $375,000 | |
Newrez LLC
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Conventional, FHA, VA | 8 | 2.6% | 72.7% | $332,500 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 8 | 2.6% | 100% | $238,750 | |
Nationstar Mortgage
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Conventional, VA | 8 | 2.6% | 100% | $163,750 | |
Acrisure Mortgage, LLC
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Conventional, FHA, VA | 7 | 2.3% | 100% | $355,000 | |
Zillow Home Loans, LLC
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Conventional, FHA, VA | 7 | 2.3% | 87.5% | $333,571 | |
Lennar Mortgage, LLC
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Conventional, FHA, VA | 6 | 1.9% | 100% | $396,666 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 5 | 1.6% | 100% | $273,000 | |
Amerisave Mortgage Company
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Conventional, FHA, VA | 4 | 1.3% | 66.7% | $230,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional, FHA | 4 | 1.3% | 80% | $190,000 | View |
New Day Financial, LLC.
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VA | 4 | 1.3% | 80% | $270,000 | |
Mortgage Research Center
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VA | 4 | 1.3% | 100% | $372,500 | |
TowneBank
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Conventional, FHA | 4 | 1.3% | 100% | $332,500 | |
New American Funding, LLC.
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Conventional, FHA | 4 | 1.3% | 100% | $252,500 | |
American Financial Resources LLC
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Conventional, FHA | 3 | 1% | 75% | $235,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 3 | 1% | 75% | $378,333 | |
Cmg Mortgage Inc
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FHA | 3 | 1% | 100% | $351,666 | |
Prosperity Home Mortgage, LLC
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Conventional, VA | 3 | 1% | 100% | $321,666 | |
Lower, LLC
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Conventional, VA | 3 | 1% | 100% | $321,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 2 +2 HELOCs |
0.6% | 50% | $225,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 2 | 0.6% | 100% | $225,000 | |
loanDepot.com LLC
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Conventional, FHA | 2 | 0.6% | 66.7% | $235,000 | |
Loanunited.Com, LLC
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FHA, VA | 2 | 0.6% | 100% | $305,000 | |
Union Home Mortgage Corp.
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VA | 2 | 0.6% | 100% | $325,000 | |
Atlantic Bay Mortgage Group
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Conventional, FHA | 2 | 0.6% | 100% | $110,000 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 2 | 0.6% | 66.7% | $125,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional, FHA | 2 | 0.6% | 100% | $285,000 | View |
Pentagon Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $465,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.3% | 100% | $285,000 | View |
Equity Resources Inc
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Conventional | 1 | 0.3% | 100% | $225,000 | |
Guaranteed Rate, Inc.
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FHA | 1 | 0.3% | 100% | $325,000 | |
Howard Hanna Financial Services, Inc
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Conventional | 1 | 0.3% | 100% | $245,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.3% | 50% | $275,000 | |
Credit Union Mortgage Associat
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Conventional | 1 | 0.3% | 100% | $75,000 | |
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A+5.0 ★Texas Ratio: 1.05% |
Conventional | 1 | 0.3% | 100% | $305,000 | View |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.3% | 100% | $275,000 | View |
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A4.7 ★Texas Ratio: 0.83% |
Conventional | 1 | 0.3% | 100% | $515,000 | View |
Planet Home Lending, LLC
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FHA | 1 | 0.3% | 50% | $295,000 | |
Digital Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $85,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $55,000 | |
V.I.P. Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $235,000 | |
Jams-01 Inc dba Home Savings & Trust Mortgage
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Conventional | 1 | 0.3% | 100% | $195,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.3% | 100% | $535,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.3% | 100% | $315,000 | View |
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A+5.0 ★Texas Ratio: 0.53% |
Conventional | 1 | 0.3% | 100% | $785,000 | View |
1St Advantage Federal Credit U
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Conventional | 1 | 0.3% | 100% | $55,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.3% | 100% | $375,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.3% | 100% | $175,000 | View |
21St Mortgage
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Conventional | 1 | 0.3% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 100% | $85,000 | View |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.3% | 100% | $285,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.3% | 100% | $225,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.3% | 100% | $325,000 | View |
JMAC Lending, Inc.
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FHA | 1 | 0.3% | 100% | $275,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
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 |
Franklinton 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 Franklinton, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Franklinton? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Franklinton in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Franklinton, NC
Use these to narrow the list above. Each category shows how many Franklinton, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Franklinton, NC
Independent mortgage companies closed 71.1 percent of home loans in Franklinton, North Carolina in 2025, banks 16.6 percent and credit unions 12.3 percent. American Security Mortgage Cor was the largest mortgage company, Benchmark Community Bank the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, State Employees' Credit Union led with 21 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 Franklinton, NC
By home loans closed in 2025, Benchmark Community Bank was the largest mortgage lender in Franklinton, North Carolina with 2 loans, about 0.6 percent of the market. The largest lender headquartered in North Carolina was State Employees' Credit Union with 21 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
34 lenders closed FHA loans in Franklinton, North Carolina in 2025, led by Nfm, Inc with 13. 24 lenders closed VA loans, led by United Wholesale Mortgage, 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. 30 banks and 9 credit unions closed home loans in Franklinton, North Carolina in 2025, alongside 48 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 Franklinton, 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 Franklinton, 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 Franklinton. 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.
