Home purchase lenders in Rowan County
2,082 home purchase mortgages were made in Rowan County, North Carolina, in 2025, by 255 lenders. The median rate their borrowers got was 6.500% on a median loan of $255,000. Of 2,501 decisions, 331 were denials — 13.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| STATE EMPLOYEES' | 156 | 6.150% | $245,000 | 16.9% |
| MOVEMENT MORTGAGE, LLC | 127 | 6.625% | $265,000 | 0.0% |
| Ixonia Bank | 116 | 6.625% | $275,000 | 1.7% |
| Rocket Mortgage, LLC | 104 | 6.625% | $245,000 | 15.3% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 86 | 6.625% | $245,000 | 0.0% |
| Loandepot.Com, LLC | 86 | 5.058% | $295,000 | 9.5% |
| First National Bank of Pennsylvania | 82 | 5.875% | $210,000 | 19.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 62 | 6.398% | $250,000 | 10.0% |
| Fairway Independent Mortgage Corporation | 59 | 6.750% | $255,000 | 1.6% |
| Mortgage Research Center, LLC | 52 | 6.500% | $285,000 | 5.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 45 | 6.625% | $275,000 | 2.1% |
| UNION HOME MORTGAGE CORP. | 41 | 6.500% | $275,000 | 0.0% |
| Alcova Mortgage LLC | 34 | 6.624% | $285,000 | 0.0% |
| NVR Mortgage Finance, Inc. | 32 | 6.188% | $250,000 | 30.4% |
| GUILD MORTGAGE COMPANY | 31 | 6.500% | $225,000 | 0.0% |
| Wells Fargo Bank, National Association | 28 | 6.375% | $270,000 | 12.1% |
| American Security Mortgage Corp. | 28 | 6.563% | $305,000 | 0.0% |
| Pinnacle Bank | 26 | 6.375% | $200,000 | 6.7% |
| Truist Bank | 24 | 6.225% | $300,000 | 14.3% |
| Farmers & Merchants Bank | 24 | Not published | $165,000 | 11.1% |
| ZILLOW HOME LOANS, LLC | 24 | 6.688% | $265,000 | 4.0% |
| Navy Federal Credit Union | 23 | 6.000% | $275,000 | 17.9% |
| Gateway First Bank | 23 | 6.625% | $195,000 | 4.2% |
| Ameris Bank | 23 | 6.625% | $265,000 | 11.5% |
| Uwharrie Bank | 23 | 6.750% | $295,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 22 | 6.625% | $205,000 | 4.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 21 | 8.750% | $165,000 | 77.0% |
| U.S. Bank National Association | 19 | 6.250% | $325,000 | 17.4% |
| Bank of America, National Association | 19 | 6.000% | $295,000 | 17.4% |
| Broker Solutions, Inc. | 17 | 6.625% | $245,000 | 5.6% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 17 | 6.500% | $305,000 | 0.0% |
| INSPIRE HOME LOANS INC. | 16 | 6.313% | $325,000 | 9.5% |
| SouthState Bank, National Association | 16 | 6.500% | $225,000 | 20.0% |
| GUARANTEED RATE AFFINITY, LLC | 15 | 6.600% | $255,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 14 | 6.500% | $240,000 | 0.0% |
| ENVOY MORTGAGE, LTD | 14 | 6.625% | $255,000 | 0.0% |
| Kiavi Funding, Inc. | 13 | 10.240% | $195,000 | 18.8% |
| Click n' Close, Inc. | 13 | 6.500% | $275,000 | 0.0% |
| Integrity Home Mortgage Corporation | 13 | 6.625% | $255,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 6.625% | $285,000 | 0.0% |
| Fifth Third Bank, National Association | 12 | 6.485% | $220,000 | 20.0% |
| JPMorgan Chase Bank, National Association | 10 | 6.313% | $245,000 | 8.3% |
| PENNYMAC LOAN SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LATINO COMMUNITY CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| FOUNDERS FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Atlantic Coast Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| SKYLA FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Towne Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 7 | Under 10 loans | Under 10 loans | 46.2% |
| NEWREZ LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Truliant Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NFM, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bank OZK | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 6 | Under 10 loans | Under 10 loans | 14.3% |
| 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% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| THE LOAN STORE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 894500CFQPXSLHK0OK52 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 12.5% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| City Lending Inc. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LENNAR MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TOWNE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Fidelity Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BlueHarbor Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 50.0% |
| ALAMEDA MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DIRECT MORTGAGE LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wolfe Financial, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAROLINAS TELCO FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALTITUDE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AgSouth Farm Credit, ACA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 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% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RAPID MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Paramount Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southern First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW FED MORTGAGE, CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Castle Rock Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 212 LOANS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of New Hampshire | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SKYLINE NATIONAL BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCORE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HERITAGE FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Choice Financial Group | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| C & F Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Carter Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JET HOMELOANS, LP | 1 | 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 55 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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. 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.