Mortgage Lenders and Brokers in Granite Falls, 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
Granite Falls, North Carolina mortgage lenders include First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust45 Falls Ave, Granite Falls, NC 28630A5.0 ★Texas Ratio: 7.72%, First Horizon BankFirst Horizon Bank23 N Main St, Granite Falls, NC 28630A+5.0 ★Texas Ratio: 5.76%, PNC Bank N.A.PNC Bank N.A.115 N Main St, Granite Falls, NC 28630A+5.0 ★Texas Ratio: 4.24%, State Employees' Credit UnionState Employees' Credit Union145 N HIGHLAND AVE, GRANITE FALLS, NC 28630A-5.0 ★Texas Ratio: 14.13%, Skyline National BankSkyline National Bank1641 Blowing Rock Road, Boone, NC 28607A+5.0 ★Texas Ratio: 3.31%, Truist BankTruist Bank1803 N Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 2.87%, Summit Credit UnionSummit Credit Union8210 W Market St, Greensboro, NC 27409A+5.0 ★Texas Ratio: 2.76%, First National Bank of PAFirst National Bank of PA303 S Salem St, Apex, NC 27502A+5.0 ★Texas Ratio: 1.62%, Civic FCUCivic FCU1118 Academy St N, Ahoskie, NC 27910F1.0 ★Texas Ratio: 75.00%, and US Bank, N.A.US Bank, N.A.8334 Pineville Matthews Rd, Charlotte, NC 28226A+5.0 ★Texas Ratio: 2.85%. 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 Granite Falls, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Granite Falls 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 Granite Falls, North Carolina
Market share is the lender's share of all home loans closed in Granite Falls, 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 Granite Falls 45 Falls Ave, Granite Falls, NC 28630 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 4 +8 HELOCs |
2.6% | 80% | $100,000 | View |
|
★ 5 stars, 1 review 1 office in Granite Falls 23 N Main St, Granite Falls, NC 28630 A+5.0 ★Texas Ratio: 5.76% |
FHA, HELOC | 1 +5 HELOCs |
0.6% | 100% | $145,000 | View |
|
★ 1.7 stars, 3 reviews 1 office in Granite Falls 115 N Main St, Granite Falls, NC 28630 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
|
145 N HIGHLAND AVE, GRANITE FALLS, NC 28630 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 23 +14 HELOCs |
14.9% | 77.4% | $229,347 | View |
|
1641 Blowing Rock Road, Boone, NC 28607 A+5.0 ★Texas Ratio: 3.31% |
Conventional | 2 | 1.3% | 100% | $110,000 | View |
|
★ 1 stars, 1 review 1803 N Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +2 HELOCs |
0.6% | 100% | $325,000 | View |
|
8210 W Market St, Greensboro, NC 27409 A+5.0 ★Texas Ratio: 2.76% |
Conventional | 1 | 0.6% | 100% | $205,000 | View |
|
303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,145,000 | View |
|
1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
121 W Trade St Ste 1150, Charlotte, NC 28202 D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
1117 Parkside Main St, Cary, NC 27519 A+5.0 ★Texas Ratio: 2.98% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
A4.6 ★Texas Ratio: 4.64% |
Conventional | 1 | 0.6% | 100% | $515,000 | View |
American Security Mortgage Cor
|
FHA | 1 | 0.6% | 100% | $255,000 | |
Cardinal Financial Company, Li
|
FHA | 1 | 0.6% | 100% | $245,000 | |
Rocket Mortgage
|
Conventional, FHA, VA | 19 | 12.3% | 79.2% | $176,578 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA, VA, USDA, Jumbo | 19 | 12.3% | 100% | $295,000 | |
Atlantic Bay Mortgage Group
|
Conventional, FHA, VA | 8 | 5.2% | 100% | $197,500 | |
United Wholesale Mortgage
|
Conventional, FHA, VA | 7 | 4.5% | 87.5% | $267,857 | |
Fairway Independent Mort Corp
|
Conventional, FHA | 7 | 4.5% | 87.5% | $152,142 | |
Guild Mortgage Company
|
Conventional, FHA | 5 | 3.2% | 100% | $149,000 | |
Mortgage Research Center
|
VA, Jumbo | 5 | 3.2% | 100% | $409,000 | |
New American Funding, LLC.
|
Conventional, FHA | 5 | 3.2% | 100% | $89,000 | |
Highlands Residential Mortgage, Ltd.
|
Conventional, FHA | 4 | 2.6% | 100% | $200,000 | |
Pennymac Loan Services LLC
|
FHA | 3 | 1.9% | 100% | $228,333 | |
Nationstar Mortgage
|
Conventional | 3 | 1.9% | 75% | $101,666 | |
Equity Prime Mortgage LLC
|
FHA | 2 | 1.3% | 100% | $275,000 | |
Movement Mortgage, LLC
|
Conventional, USDA | 2 | 1.3% | 100% | $235,000 | |
Loan Simple, Inc.
|
FHA | 2 | 1.3% | 100% | $255,000 | |
The Loan Store, Inc
|
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $275,000 | |
Royal United Mortgage LLC
|
Conventional | 1 | 0.6% | 100% | $65,000 | |
Primelending
|
VA | 1 | 0.6% | 100% | $765,000 | |
Freedom Mortgage Corporation
|
FHA | 1 | 0.6% | 50% | $265,000 | |
Success Lending, LLC
|
USDA | 1 | 0.6% | 100% | $215,000 | |
Newrez LLC
|
FHA | 1 | 0.6% | 100% | $125,000 | |
ALCOVA Mortgage, LLC
|
Conventional | 1 | 0.6% | 100% | $85,000 | |
Triad Financial Services, Inc.
|
Conventional | 1 | 0.6% | 100% | $115,000 | |
Amerisave Mortgage Company
|
FHA | 1 | 0.6% | 100% | $195,000 | |
|
A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.6% | 100% | $295,000 | View |
Absolute Home Mortgage
|
VA | 1 | 0.6% | 100% | $245,000 | |
Credit Union Mortgage Associat
|
FHA | 1 | 0.6% | 100% | $135,000 | |
Schumacher Mortgage LLC
|
Conventional | 1 | 0.6% | 100% | $555,000 | |
ClearPath Lending
|
VA | 1 | 0.6% | 100% | $175,000 | |
Securitynational Mortgage Company
|
Conventional | 1 | 0.6% | 100% | $105,000 | |
|
A+5.0 ★Texas Ratio: 1.50% |
Conventional | 1 | 0.6% | 100% | $295,000 | View |
|
B4.4 ★Texas Ratio: 21.68% |
FHA | 1 | 0.6% | 100% | $195,000 | View |
|
A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.6% | 100% | $165,000 | View |
Better Mortgage Corporation
|
Conventional | 1 | 0.6% | 100% | $235,000 | |
Mortgage Solutions of Colorado
|
VA | 1 | 0.6% | 100% | $455,000 | |
Prosperity Home Mortgage, LLC
|
USDA | 1 | 0.6% | 100% | $225,000 | |
|
A5.0 ★Texas Ratio: 11.97% |
Conventional | 1 | 0.6% | 100% | $185,000 | View |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.6% | 100% | $275,000 | |
Nexera Holding LLC
|
Conventional | 1 | 0.6% | 100% | $425,000 | |
Reliance First Capital, LLC
|
Conventional | 1 | 0.6% | 100% | $165,000 | |
|
A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.6% | 100% | $395,000 | View |
American Neighborhood Mortgage Acceptance Company
|
FHA | 1 | 0.6% | 100% | $105,000 | |
Figure Lending LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 3.10% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Granite Falls 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 Granite Falls, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Granite Falls? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Granite Falls in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Granite Falls, NC
Use these to narrow the list above. Each category shows how many Granite Falls, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Granite Falls, NC
Independent mortgage companies closed 72.1 percent of home loans in Granite Falls, North Carolina in 2025, banks 11 percent and credit unions 16.9 percent. American Security Mortgage Cor 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 4 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 Granite Falls, NC
By home loans closed in 2025, First Ciitizens Bank and Trust was the largest mortgage lender in Granite Falls, North Carolina with 4 loans, about 2.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
20 lenders closed FHA loans in Granite Falls, North Carolina in 2025, led by CrossCountry Mortgage, LLC with 8. 9 lenders closed VA loans, led by Mortgage Research Center, and 4 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. 20 banks and 6 credit unions closed home loans in Granite Falls, North Carolina in 2025, alongside 36 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 Granite Falls, 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 Granite Falls, 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 Granite Falls. 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.
