First Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
High Point Branch	4010 Brian Jordan Place, High Point, NC 27265	View Lobby Hours
Asheboro Office	335 S. Fayetteville Street, Asheboro, NC 27203	View Lobby Hours
Carolina Bank Branch	3214 S. Church St., Burlington, NC 27215	View Lobby Hours
Lawndale Drive Branch	2604 Lawndale Drive, Greensboro, NC 27408	View Lobby Hours
Highwoods Boulevard Branch	1601 Highwoods Boulevard, Greensboro, NC 27410	View Lobby Hours
Greensboro Carolina Branch	101 North Spring Street, Greensboro, NC 27401	View Lobby Hours
Candler Branch	907 Smoky Park Highway, Candler, NC 28715	View Lobby Hours
778 Merimon Ave Branch	778 Merrimon Ave, Asheville, NC 28804	View Lobby Hours
Hendersonville Branch	601 North Main Street, Hendersonville, NC 28792	View Lobby Hours
Reynolds Branch	5 Olde Eastwood Village Blvd, Asheville, NC 28803	View Lobby Hours
Fletcher Branch	3551 Hendersonville Road, Fletcher, NC 28732	View Lobby Hours
300 W State Street Branch	300 W State Street, Black Mountain, NC 28711	View Lobby Hours
Market Street Branch	2 Market Street, Brevard, NC 28712	View Lobby Hours
Skyland Branch	1879 Hendersonville Road, Asheville, NC 28803	View Lobby Hours
Marion Branch	162 North Main Street, Marion, NC 28752	View Lobby Hours
Asheville Branch	11 Church Street, Asheville, NC 28801	View Lobby Hours
1012 Patton Avenue Branch	1012 Patton Avenue, Asheville, NC 28806	View Lobby Hours
Mars Hill Branch	105 North Main Street, Mars Hill, NC 28754	View Lobby Hours
10 South Tunnel Road Branch	10 South Tunnel Road, Asheville, NC 28805	View Lobby Hours
Polkton Branch	7996 Us Hwy 74 West, Polkton, NC 28135	View Lobby Hours
First Bank Denton Branch	17948 Hwy 109 S., Denton, NC 27239	View Lobby Hours
First Bank Robbins Branch	108 N. Middleton St., Robbins, NC 27325	View Lobby Hours
First Bank Seven Lakes Branch	4295 Nc Hwy 211, West End, NC 27376	View Lobby Hours
Rockingham Branch	1305 E. Broad Avenue, Ste 35, Rockingham, NC 28379	View Lobby Hours
Montgomery Square Branch	1040 Albemarle Road, Troy, NC 27371	View Lobby Hours
Pinehurst-Village Branch	10 Chinquapin Rd, Pinehurst, NC 28374	View Lobby Hours
Bennett Branch	3948 Chatham Street, Bennett, NC 27208	View Lobby Hours
Sentry Bank & Trust Branch	901 Chesterfield Highway, Cheraw, SC 29520	View Lobby Hours
Porter's Neck Branch 16	8286 Market Street, Wilmington, NC 28411	View Lobby Hours
Jacksonville Branch 5	827 New Bridge Street, Jacksonville, NC 28540	View Lobby Hours
Mount Pleasant Branch	8252 Highway 49 North, Mount Pleasant, NC 28124	View Lobby Hours
Asheville Main Branch	79 Woodfin Place, Asheville, NC 28801	View Lobby Hours
Belhaven Branch 12	770 W Main St, Belhaven, NC 27810	View Lobby Hours
Laurinburg Main Branch	601 South Main Street, Laurinburg, NC 28352	View Lobby Hours
First Bank Pinehurst Branch	5 Blake Boulevard, Pinehurst, NC 28374	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 292473	5.872%	5.750% 0.75 points $4,277 fees	$1,868	Learn More
NMLS ID: 2059741	5.934%	5.875% 0.63 points $2,051 fees	$1,893	Learn More
NMLS ID: 6606	6.218%	6.125% 1.00 points $3,178 fees	$1,945	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity Line See Table	0.000 %	$0	Learn More More Info
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000. #1 Non-bank HELOC in the US, A+ BBB Rating Access $15,000 to $750,000 in home equity with flexible terms Approval in as few as 5 minutes, funding in as few as 5 days Use to consolidate debt, finance your next home project, or major expenses
Upstart Home Lending See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873 As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Reliant Home Funding, Inc See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(The advertised APR includes enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company. Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed
Valley Strong Credit Union See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period

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