Mortgage lenders in Rowan County
3,974 mortgages were made in Rowan County, North Carolina, in 2025, by 345 lenders. The median rate their borrowers got was 6.500% on a median loan of $215,000. Of 5,531 decisions, 1,323 were denials — 23.9%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| STATE EMPLOYEES' | 442 | 6.250% | $140,000 | 31.3% |
| Rocket Mortgage, LLC | 363 | 6.750% | $195,000 | 18.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 162 | 5.999% | $265,000 | 19.8% |
| MOVEMENT MORTGAGE, LLC | 149 | 6.625% | $265,000 | 3.7% |
| Loandepot.Com, LLC | 127 | 5.875% | $285,000 | 15.1% |
| Ixonia Bank | 126 | 6.625% | $280,000 | 2.3% |
| First National Bank of Pennsylvania | 110 | 6.000% | $155,000 | 22.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 93 | 6.500% | $245,000 | 0.0% |
| Truist Bank | 81 | 6.375% | $155,000 | 34.4% |
| FREEDOM MORTGAGE CORPORATION | 65 | 6.250% | $285,000 | 10.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 65 | 6.575% | $265,000 | 4.4% |
| Fairway Independent Mortgage Corporation | 64 | 6.750% | $250,000 | 1.5% |
| Mortgage Research Center, LLC | 60 | 6.438% | $280,000 | 26.5% |
| Fifth Third Bank, National Association | 53 | 7.550% | $105,000 | 40.5% |
| Bank of America, National Association | 50 | 6.240% | $165,000 | 42.9% |
| SHARONVIEW FEDERAL CREDIT UNION | 47 | 7.500% | $105,000 | 46.2% |
| UNION HOME MORTGAGE CORP. | 47 | 6.500% | $255,000 | 4.1% |
| Navy Federal Credit Union | 45 | 6.375% | $225,000 | 31.8% |
| Pinnacle Bank | 43 | 6.500% | $165,000 | 17.2% |
| Farmers & Merchants Bank | 42 | Not published | $165,000 | 8.7% |
| Wells Fargo Bank, National Association | 41 | 6.250% | $255,000 | 12.5% |
| Alcova Mortgage LLC | 41 | 6.625% | $275,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 40 | 5.990% | $275,000 | 18.9% |
| SouthState Bank, National Association | 40 | 6.863% | $135,000 | 25.5% |
| NATIONSTAR MORTGAGE LLC | 39 | 8.750% | $105,000 | 13.3% |
| NVR Mortgage Finance, Inc. | 32 | 6.188% | $250,000 | 30.4% |
| GUILD MORTGAGE COMPANY | 32 | 6.500% | $225,000 | 2.8% |
| SKYLA FEDERAL CREDIT UNION | 31 | 7.000% | $95,000 | 46.9% |
| Kiavi Funding, Inc. | 30 | 9.250% | $180,000 | 16.2% |
| First-Citizens Bank & Trust Company | 30 | 6.495% | $130,000 | 13.9% |
| American Security Mortgage Corp. | 28 | 6.563% | $305,000 | 0.0% |
| Uwharrie Bank | 27 | 6.750% | $295,000 | 10.0% |
| AmeriSave Mortgage Corporation | 26 | 7.375% | $100,000 | 67.9% |
| Broker Solutions, Inc. | 26 | 6.500% | $240,000 | 16.1% |
| Truliant Federal Credit Union | 26 | 7.250% | $100,000 | 56.5% |
| Gateway First Bank | 26 | 6.625% | $195,000 | 3.7% |
| Ameris Bank | 26 | 6.625% | $275,000 | 10.3% |
| U.S. Bank National Association | 25 | 6.375% | $315,000 | 28.6% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 24 | 6.625% | $180,000 | 4.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 24 | 6.495% | $215,000 | 22.6% |
| First Bank | 24 | 7.500% | $230,000 | 20.0% |
| ZILLOW HOME LOANS, LLC | 24 | 6.688% | $265,000 | 4.0% |
| NEWREZ LLC | 23 | 6.375% | $235,000 | 37.8% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 21 | 8.750% | $165,000 | 77.0% |
| Coastal Community Bank | 19 | 11.990% | $55,000 | 1.9% |
| First Horizon Bank | 19 | 6.510% | $185,000 | 36.4% |
| Peoples Bank | 18 | 7.250% | $200,000 | 32.1% |
| ALLEGACY FEDERAL CREDIT UNION | 17 | 5.750% | $175,000 | 5.6% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 17 | 6.500% | $305,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 16 | 6.938% | $155,000 | 51.3% |
| FIGURE LENDING LLC | 16 | 10.150% | $35,000 | 33.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 16 | 6.500% | $230,000 | 0.0% |
| INSPIRE HOME LOANS INC. | 16 | 6.313% | $325,000 | 9.5% |
| JPMorgan Chase Bank, National Association | 16 | 6.495% | $220,000 | 10.5% |
| The Fidelity Bank | 16 | 7.500% | $155,000 | 21.7% |
| SPRING EQ, LLC | 15 | 9.200% | $85,000 | 54.3% |
| Click n' Close, Inc. | 15 | 6.500% | $265,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 15 | 6.600% | $255,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 14 | 5.750% | $290,000 | 26.7% |
| RELIANCE FIRST CAPITAL, LLC | 14 | 6.375% | $195,000 | 6.3% |
| Integrity Home Mortgage Corporation | 14 | 6.625% | $260,000 | 5.9% |
| ENVOY MORTGAGE, LTD | 14 | 6.625% | $255,000 | 0.0% |
| LOCAL GOVERNMENT | 13 | 8.000% | $75,000 | 70.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 13 | 7.250% | $135,000 | 18.8% |
| Easy Street Capital, LLC | 13 | 9.900% | $145,000 | 0.0% |
| THE LOAN STORE, INC. | 12 | 7.470% | $105,000 | 33.3% |
| Equity Prime Mortgage LLC | 11 | 6.500% | $165,000 | 15.4% |
| Bank OZK | 11 | 6.500% | $185,000 | 47.6% |
| PNC Bank, National Association | 11 | 6.625% | $125,000 | 7.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 6.125% | $165,000 | 50.0% |
| GoodLeap, LLC | 10 | 5.875% | $180,000 | 26.7% |
| FOUNDERS FEDERAL CREDIT UNION | 10 | 6.000% | $210,000 | 15.4% |
| Atlantic Coast Mortgage, LLC | 10 | 6.625% | $240,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 10 | 6.375% | $285,000 | 23.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 10 | 7.750% | $355,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 10 | 6.750% | $215,000 | 7.1% |
| NEW DAY FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 62.5% |
| Citizens Bank, National Association | 9 | Under 10 loans | Under 10 loans | 31.3% |
| TOWNE MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LATINO COMMUNITY CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| CMG MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| T2 FINANCIAL LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Towne Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Primis Mortgage Company | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Presidential Bank, FSB | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 7 | Under 10 loans | Under 10 loans | 53.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Lendage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 45.5% |
| KIND LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| 254900M2C4Q6DATP2889 | 5 | Under 10 loans | Under 10 loans | 50.0% |
| MILEND, INC. | 5 | Under 10 loans | Under 10 loans | 40.0% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| United Community Bank | 5 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AgSouth Farm Credit, ACA | 5 | Under 10 loans | Under 10 loans | 16.7% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Regions Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| COASTAL Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PREMIER LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| BlueHarbor Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 894500CFQPXSLHK0OK52 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 12.5% |
| City Lending Inc. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Loan Simple, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Armed Forces Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENNAR MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SayGO Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CAROLINAS TELCO FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AgFirst Farm Credit Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 86.4% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 40.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 3 | Under 10 loans | Under 10 loans | 16.7% |
| ALAMEDA MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| VAN DYK MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CAPITAL CENTER, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Summit Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wolfe Financial, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GTE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTA POSTAL | 2 | Under 10 loans | Under 10 loans | 25.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SKYLINE NATIONAL BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALTITUDE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW FED MORTGAGE, CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 5493004T38NMC864VL66 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 145 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Rowan County
25 FDIC-insured branches from 13 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Farmers & Merchants Bank | 9 | $619.7 million |
| Wells Fargo Bank, National Association | 2 | $327.1 million |
| Truist Bank | 2 | $209.7 million |
| SouthState Bank, National Association | 2 | $104.6 million |
| First Horizon Bank | 2 | $89.6 million |
| Bank OZK | 1 | $135.8 million |
| Bank of America, National Association | 1 | $114.8 million |
| Fifth Third Bank, National Association | 1 | $114.3 million |
| First Bank | 1 | $90.2 million |
| Pinnacle Bank | 1 | $88.4 million |
| The Fidelity Bank | 1 | $47.8 million |
| First National Bank of Pennsylvania | 1 | $42.4 million |
| Woodforest National Bank | 1 | $7.0 million |
Get told when this changes
When the next year’s lending figures are out for Rowan County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.