North Carolina · HMDA 2025
Mortgage lenders in Franklin County, NC
322 lenders reported 4,887 home-loan applications in Franklin County in 2025. 2,471 closed as loans ($709.0M), 791 were denied — a 23.4% denial rate on decided applications, close to the North Carolina rate of 22.7%. The three most active lenders handled 22% of applications, led by STATE EMPLOYEES'. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 4,887
- Loans originated
- 2,471
- Purchase / refinance
- 1,345 / 722
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Franklin County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 567 | 11.6% | — |
| 2 | Rocket Mortgage, LLC | 259 | 5.3% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 226 | 4.6% | — |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 208 | 4.3% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 172 | 3.5% | — |
| 6 | FREEDOM MORTGAGE CORPORATION | 152 | 3.1% | — |
| 7 | COASTAL Federal Credit Union 66 out of 100, Moderate | 152 | 3.1% | 28.9% |
| 8 | Truist Bank 63 out of 100, Moderate | 130 | 2.7% | 40.8% |
| 9 | NEWREZ LLC | 122 | 2.5% | — |
| 10 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 92 | 1.9% | 22.5% |
| 11 | Navy Federal Credit Union 66 out of 100, Moderate | 82 | 1.7% | 32.9% |
| 12 | AMERIHOME MORTGAGE COMPANY, LLC | 80 | 1.6% | — |
| 13 | Mortgage Research Center, LLC | 78 | 1.6% | — |
| 14 | CROSSCOUNTRY MORTGAGE, INC. | 69 | 1.4% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 67 | 1.4% | 14.1% |
| 16 | NATIONSTAR MORTGAGE LLC | 61 | 1.2% | — |
| 17 | First National Bank of Pennsylvania 64 out of 100, Moderate | 60 | 1.2% | 26.6% |
| 18 | Loandepot.Com, LLC | 57 | 1.2% | — |
| 19 | Broker Solutions, Inc. | 55 | 1.1% | — |
| 20 | MOVEMENT MORTGAGE, LLC | 54 | 1.1% | — |
| 21 | Bank of America, National Association 59 out of 100, Moderate | 50 | 1.0% | 44.7% |
| 22 | North State Bank 61 out of 100, Moderate | 48 | 1.0% | 2.5% |
| 23 | VILLAGE CAPITAL & INVESTMENT LLC | 47 | 1.0% | — |
| 24 | Fairway Independent Mortgage Corporation | 44 | 0.9% | — |
| 25 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 41 | 0.8% | 22.2% |
| 26 | AmeriSave Mortgage Corporation | 41 | 0.8% | — |
| 27 | PNC Bank, National Association 62 out of 100, Moderate | 41 | 0.8% | 33.8% |
| 28 | PLANET HOME LENDING, LLC | 41 | 0.8% | — |
| 29 | GUARANTEED RATE, INC. | 39 | 0.8% | — |
| 30 | DHI MORTGAGE COMPANY, LTD. | 39 | 0.8% | — |
| 31 | Coastal Community Bank 35 out of 100, Low | 39 | 0.8% | 3.0% |
| 32 | SPRING EQ, LLC | 36 | 0.7% | — |
| 33 | ZILLOW HOME LOANS, LLC | 36 | 0.7% | — |
| 34 | CMG MORTGAGE, INC. | 35 | 0.7% | — |
| 35 | LAKEVIEW LOAN SERVICING, LLC | 34 | 0.7% | — |
| 36 | Towne Bank 74 out of 100, Strong | 33 | 0.7% | 6.6% |
| 37 | GUILD MORTGAGE COMPANY | 30 | 0.6% | — |
| 38 | NFM, INC. | 30 | 0.6% | — |
| 39 | CORNERSTONE CAPITAL BANK, SSB 32 out of 100, Low | 29 | 0.6% | 2.2% |
| 40 | Prosperity Home Mortgage, LLC | 28 | 0.6% | — |
Top 40 of 322 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in North Carolina
- Wake County 59,673 apps
- Mecklenburg County 55,863 apps
- Guilford County 22,676 apps
- Cumberland County 18,243 apps
- Forsyth County 18,023 apps
- Brunswick County 15,666 apps
- Union County 15,609 apps
- Johnston County 15,328 apps
- Durham County 14,512 apps
- Onslow County 14,086 apps
- Gaston County 13,863 apps
- Cabarrus County 13,504 apps