Top 3 Mortgage Lenders in Franklin

Mountain Credit Union stands out as Franklin's premier local mortgage lender with deep community roots spanning over six decades. As a member-owned financial cooperative, they offer highly competitive rates and personalized service that national lenders can't match. Their mortgage team specializes in Western North Carolina's unique real estate market, providing exceptional guidance through mountain property purchases. With multiple physical branches in Franklin and surrounding areas, they offer convenient in-person service combined with extensive local market knowledge. Their high customer satisfaction ratings reflect their commitment to making the mortgage process smooth and transparent for local homebuyers.

Franklin Mortgage & Investment has built an outstanding reputation over 25 years as Franklin's dedicated local mortgage broker. They excel at finding the perfect loan products for each client's unique situation, leveraging their extensive network of lender relationships to secure competitive rates and terms. Specializing in mountain properties and vacation homes prevalent in the Franklin area, their team provides exceptional personalized service with deep understanding of local market conditions. Their nearly perfect rating stems from their commitment to transparency, quick response times, and expertise in navigating complex mortgage scenarios that often arise in rural and mountain communities.

First Citizens Bank brings over a century of banking expertise to Franklin with a strong physical presence in the community. As a regional bank with deep North Carolina roots, they combine the stability of an established institution with local decision-making authority. Their Franklin branch features experienced mortgage officers who live and work in the community, providing personalized service with the backing of a substantial financial institution. They're particularly strong in construction lending and renovation loans, which are valuable for the many older homes and custom builds in the Franklin area. Their competitive rates and comprehensive loan options make them a top choice for both primary residences and mountain retreats.