Mortgage lenders in Franklin County
2,471 mortgages were made in Franklin County, North Carolina, in 2025, by 327 lenders. The median rate their borrowers got was 6.500% on a median loan of $275,000. Of 3,384 decisions, 791 were denials — 23.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| STATE EMPLOYEES' | 293 | 6.250% | $165,000 | 36.3% |
| Rocket Mortgage, LLC | 171 | 6.875% | $215,000 | 24.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 123 | 6.125% | $345,000 | 14.3% |
| COASTAL Federal Credit Union | 95 | 7.400% | $115,000 | 28.5% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 84 | 5.750% | $385,000 | 33.3% |
| FREEDOM MORTGAGE CORPORATION | 62 | 6.250% | $355,000 | 13.8% |
| First-Citizens Bank & Trust Company | 57 | 6.490% | $115,000 | 22.1% |
| Truist Bank | 50 | 6.650% | $180,000 | 41.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 45 | 6.490% | $335,000 | 4.1% |
| MOVEMENT MORTGAGE, LLC | 41 | 6.625% | $325,000 | 0.0% |
| North State Bank | 41 | 6.250% | $375,000 | 2.4% |
| Loandepot.Com, LLC | 40 | 6.188% | $205,000 | 13.5% |
| Mortgage Research Center, LLC | 39 | 6.250% | $345,000 | 20.0% |
| Fairway Independent Mortgage Corporation | 35 | 6.625% | $265,000 | 2.8% |
| PENNYMAC LOAN SERVICES, LLC | 34 | 5.933% | $425,000 | 14.6% |
| DHI MORTGAGE COMPANY, LTD. | 34 | 5.250% | $365,000 | 10.5% |
| Navy Federal Credit Union | 32 | 6.563% | $295,000 | 40.7% |
| ZILLOW HOME LOANS, LLC | 28 | 6.500% | $320,000 | 6.7% |
| NEWREZ LLC | 27 | 6.240% | $325,000 | 29.0% |
| First National Bank of Pennsylvania | 27 | 6.140% | $105,000 | 49.1% |
| Towne Bank | 25 | 6.500% | $255,000 | 3.6% |
| NATIONSTAR MORTGAGE LLC | 25 | 6.625% | $145,000 | 7.4% |
| NFM, INC. | 25 | 5.875% | $365,000 | 3.9% |
| Wells Fargo Bank, National Association | 23 | 6.500% | $315,000 | 17.9% |
| NVR Mortgage Finance, Inc. | 23 | 5.500% | $285,000 | 8.0% |
| Broker Solutions, Inc. | 22 | 6.938% | $330,000 | 4.4% |
| PNC Bank, National Association | 22 | 6.625% | $105,000 | 33.3% |
| Prosperity Home Mortgage, LLC | 22 | 6.188% | $365,000 | 4.4% |
| Bank of America, National Association | 21 | 6.240% | $185,000 | 35.3% |
| CMG MORTGAGE, INC. | 21 | 6.625% | $345,000 | 8.0% |
| Primis Mortgage Company | 21 | 6.500% | $255,000 | 4.6% |
| VELOCIO MORTGAGE L.L.C. | 20 | 4.490% | $315,000 | 4.8% |
| GUILD MORTGAGE COMPANY | 18 | 6.433% | $285,000 | 5.0% |
| UNION HOME MORTGAGE CORP. | 18 | 6.500% | $315,000 | 10.0% |
| Benchmark Community Bank | 17 | 6.500% | $215,000 | 0.0% |
| GoPrime Mortgage, Inc. | 17 | 6.625% | $275,000 | 0.0% |
| Fifth Third Bank, National Association | 15 | 7.250% | $105,000 | 34.8% |
| THE LOAN STORE, INC. | 14 | 6.433% | $365,000 | 6.7% |
| AmeriSave Mortgage Corporation | 13 | 8.375% | $155,000 | 65.8% |
| Coastal Community Bank | 13 | 10.490% | $25,000 | 7.1% |
| AgCarolina Farm Credit, FLCA | 13 | 7.860% | $305,000 | 0.0% |
| The Fidelity Bank | 13 | 7.500% | $125,000 | 0.0% |
| American Security Mortgage Corp. | 13 | 6.250% | $325,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 12 | 5.750% | $430,000 | 21.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | 12 | 6.250% | $300,000 | 14.3% |
| JPMorgan Chase Bank, National Association | 12 | 6.563% | $415,000 | 14.3% |
| U.S. Bank National Association | 12 | 6.990% | $250,000 | 18.8% |
| Southern Bank and Trust Company | 12 | 7.250% | $205,000 | 7.7% |
| Kiavi Funding, Inc. | 12 | 11.200% | $200,000 | 0.0% |
| United Community Bank | 11 | 6.875% | $215,000 | 38.9% |
| FIGURE LENDING LLC | 11 | 10.050% | $45,000 | 26.7% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 11 | 6.625% | $205,000 | 0.0% |
| FBC MORTGAGE, LLC | 11 | 6.250% | $395,000 | 0.0% |
| Towne Mortgage of the Carolinas, LLC | 11 | 6.250% | $355,000 | 0.0% |
| LENNAR MORTGAGE, LLC | 11 | 3.990% | $415,000 | 0.0% |
| SPRING EQ, LLC | 10 | 9.525% | $65,000 | 59.4% |
| GUARANTEED RATE, INC. | 10 | 6.250% | $290,000 | 15.4% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 10 | 6.433% | $310,000 | 0.0% |
| Ixonia Bank | 10 | 6.625% | $380,000 | 0.0% |
| LOWER, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Alcova Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| KBHS HOME LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| CORNERSTONE CAPITAL BANK, SSB | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 52.9% |
| Lendage, LLC | 8 | Under 10 loans | Under 10 loans | 18.2% |
| First Heritage Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| UNIVERSITY Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 66.7% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 53.3% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 41.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| The Central Trust Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| REPUBLIC STATE MORTGAGE CO. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 58.3% |
| 254900M2C4Q6DATP2889 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ABL RPC Residential Credit Acquisition LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| T2 FINANCIAL LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LOCAL GOVERNMENT | 4 | Under 10 loans | Under 10 loans | 71.4% |
| Citizens Bank, National Association | 4 | Under 10 loans | Under 10 loans | 50.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LANGLEY Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Piedmont Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| EQUITY RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| V.I.P. MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LATINO COMMUNITY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESOURCE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JAMS-01, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SELF-HELP Credit Union | 2 | Under 10 loans | Under 10 loans | 66.7% |
| First Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Pinnacle Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Truliant Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| American Airlines Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DUKE UNIVERSITY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CAPITAL CENTER, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| R T P Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SCHUMACHER MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Carter Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 90.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CORPORATE INVESTORS MORTGAGE GROUP, INC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Apple Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Marine Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 127 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Franklin County
10 FDIC-insured branches from 7 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First-Citizens Bank & Trust Company | 2 | $258.2 million |
| First National Bank of Pennsylvania | 2 | $143.9 million |
| Benchmark Community Bank | 2 | $48.3 million |
| Truist Bank | 1 | $84.3 million |
| First Bank | 1 | $17.2 million |
| Carter Bank & Trust | 1 | $12.8 million |
| Woodforest National Bank | 1 | $3.7 million |
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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.