Mortgage lenders in Cabarrus County
7,194 mortgages were made in Cabarrus County, North Carolina, in 2025, by 429 lenders. The median rate their borrowers got was 6.500% on a median loan of $285,000. Of 9,538 decisions, 1,958 were denials — 20.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 866 | 6.073% | $405,000 | 8.2% |
| STATE EMPLOYEES' | 565 | 6.500% | $135,000 | 25.8% |
| Rocket Mortgage, LLC | 548 | 6.750% | $235,000 | 16.2% |
| MOVEMENT MORTGAGE, LLC | 223 | 6.625% | $315,000 | 2.0% |
| Loandepot.Com, LLC | 179 | 6.375% | $255,000 | 19.2% |
| Fifth Third Bank, National Association | 172 | 7.730% | $105,000 | 33.1% |
| Bank of America, National Association | 167 | 6.240% | $185,000 | 37.3% |
| M/I FINANCIAL, LLC | 152 | 6.375% | $560,000 | 0.0% |
| Truist Bank | 136 | 6.388% | $205,000 | 30.8% |
| Truliant Federal Credit Union | 127 | 7.500% | $105,000 | 48.5% |
| NVR Mortgage Finance, Inc. | 121 | 6.625% | $315,000 | 26.7% |
| Uwharrie Bank | 113 | 7.000% | $245,000 | 5.8% |
| First National Bank of Pennsylvania | 112 | 6.125% | $255,000 | 18.8% |
| PENNYMAC LOAN SERVICES, LLC | 102 | 6.375% | $315,000 | 18.6% |
| Ixonia Bank | 99 | 6.750% | $295,000 | 1.9% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 95 | 6.500% | $315,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 88 | 6.625% | $285,000 | 3.3% |
| First-Citizens Bank & Trust Company | 86 | 6.250% | $125,000 | 19.8% |
| Navy Federal Credit Union | 84 | 7.250% | $170,000 | 30.7% |
| Alcova Mortgage LLC | 82 | 6.625% | $310,000 | 4.4% |
| American Security Mortgage Corp. | 81 | 6.625% | $365,000 | 2.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 77 | 6.575% | $325,000 | 4.9% |
| FREEDOM MORTGAGE CORPORATION | 72 | 6.188% | $325,000 | 12.1% |
| JPMorgan Chase Bank, National Association | 65 | 6.490% | $285,000 | 5.6% |
| Mortgage Research Center, LLC | 63 | 6.250% | $345,000 | 25.8% |
| SPRING EQ, LLC | 62 | 8.638% | $85,000 | 55.9% |
| Pinnacle Bank | 60 | 6.875% | $205,000 | 16.3% |
| Wells Fargo Bank, National Association | 57 | 6.125% | $285,000 | 17.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 57 | 6.125% | $365,000 | 9.4% |
| Broker Solutions, Inc. | 55 | 6.625% | $255,000 | 14.1% |
| NEWREZ LLC | 54 | 6.500% | $255,000 | 28.4% |
| SKYLA FEDERAL CREDIT UNION | 51 | 7.500% | $155,000 | 43.8% |
| GUILD MORTGAGE COMPANY | 49 | 6.625% | $305,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 49 | 6.625% | $315,000 | 2.0% |
| Kiavi Funding, Inc. | 47 | 8.950% | $185,000 | 5.8% |
| PULTE MORTGAGE LLC | 47 | 6.125% | $585,000 | 14.3% |
| FIGURE LENDING LLC | 43 | 10.500% | $65,000 | 22.2% |
| U.S. Bank National Association | 43 | 6.625% | $415,000 | 34.3% |
| AmeriSave Mortgage Corporation | 40 | 8.375% | $110,000 | 57.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 39 | 7.540% | $185,000 | 13.0% |
| NATIONSTAR MORTGAGE LLC | 39 | 9.000% | $85,000 | 13.0% |
| FOUNDERS FEDERAL CREDIT UNION | 32 | 6.250% | $265,000 | 22.0% |
| BETTER MORTGAGE CORPORATION | 31 | 7.000% | $265,000 | 34.0% |
| PNC Bank, National Association | 30 | 7.350% | $170,000 | 24.4% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 30 | 6.652% | $350,000 | 0.0% |
| Atlantic Coast Mortgage, LLC | 30 | 6.495% | $315,000 | 0.0% |
| Citizens Bank, National Association | 29 | 7.150% | $205,000 | 28.6% |
| THE LOAN STORE, INC. | 29 | 6.750% | $295,000 | 13.5% |
| CMG MORTGAGE, INC. | 29 | 6.125% | $385,000 | 3.2% |
| First Bank | 28 | 7.063% | $195,000 | 9.4% |
| MATTAMY HOME FUNDING, LLC | 28 | 5.250% | $315,000 | 6.7% |
| Coastal Community Bank | 27 | 9.740% | $65,000 | 4.5% |
| ALLEGACY FEDERAL CREDIT UNION | 27 | 5.750% | $185,000 | 6.7% |
| KBHS HOME LOANS, LLC | 26 | 5.870% | $385,000 | 15.6% |
| SouthState Bank, National Association | 26 | 6.590% | $205,000 | 16.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 25 | 6.375% | $395,000 | 0.0% |
| INSPIRE HOME LOANS INC. | 25 | 5.875% | $465,000 | 0.0% |
| COASTAL Federal Credit Union | 24 | 7.870% | $75,000 | 30.8% |
| Towne Bank | 24 | 6.750% | $180,000 | 7.7% |
| Gateway First Bank | 23 | 6.750% | $275,000 | 17.9% |
| Lendage, LLC | 23 | 11.000% | $45,000 | 4.0% |
| UNION HOME MORTGAGE CORP. | 23 | 6.500% | $295,000 | 4.0% |
| LAKEVIEW LOAN SERVICING, LLC | 22 | 6.125% | $415,000 | 53.8% |
| DHI MORTGAGE COMPANY, LTD. | 21 | 5.990% | $465,000 | 12.5% |
| GUARANTEED RATE, INC. | 20 | 6.538% | $335,000 | 22.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 20 | 6.500% | $320,000 | 13.0% |
| Ameris Bank | 20 | 6.370% | $320,000 | 9.1% |
| LENNAR MORTGAGE, LLC | 20 | 6.000% | $370,000 | 9.1% |
| Third Federal Savings and Loan Association of Cleveland | 19 | 6.990% | $105,000 | 40.6% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 19 | 6.500% | $235,000 | 0.0% |
| LOCAL GOVERNMENT | 18 | 8.125% | $50,000 | 56.8% |
| PENTAGON FEDERAL CREDIT UNION | 18 | 7.688% | $185,000 | 40.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 18 | 6.018% | $440,000 | 0.0% |
| GoodLeap, LLC | 18 | 6.438% | $115,000 | 12.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | 18 | 6.875% | $275,000 | 0.0% |
| KIND LENDING, LLC | 17 | 6.500% | $355,000 | 18.2% |
| Bank OZK | 16 | 5.990% | $120,000 | 39.3% |
| United Community Bank | 16 | 6.500% | $105,000 | 15.8% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 16 | 6.750% | $340,000 | 5.0% |
| Discover Bank | 15 | 9.220% | $75,000 | 74.1% |
| Regions Bank | 15 | 6.000% | $345,000 | 29.6% |
| PLAZA HOME MORTGAGE, INC. | 15 | 6.125% | $285,000 | 34.8% |
| Taylor Morrison Home Funding, Inc. | 15 | 5.875% | $745,000 | 16.7% |
| Click n' Close, Inc. | 15 | 6.990% | $235,000 | 0.0% |
| The Huntington National Bank | 14 | 7.215% | $325,000 | 12.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 13 | 7.624% | $215,000 | 37.9% |
| LIMA ONE CAPITAL, LLC | 13 | 9.450% | $275,000 | 18.8% |
| ENVOY MORTGAGE, LTD | 13 | 6.500% | $335,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 13 | 6.875% | $325,000 | 0.0% |
| NBKC BANK | 13 | 6.125% | $385,000 | 0.0% |
| Easy Street Capital, LLC | 13 | 9.900% | $215,000 | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 13 | 6.375% | $285,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 12 | 5.813% | $385,000 | 32.0% |
| TD Bank, National Association | 12 | 7.340% | $305,000 | 25.0% |
| Prosperity Home Mortgage, LLC | 12 | 6.313% | $285,000 | 14.3% |
| 254900YZ174H294JW398 | 12 | 5.370% | $420,000 | 0.0% |
| Equity Prime Mortgage LLC | 11 | 6.750% | $335,000 | 15.4% |
| Northpointe Bank | 11 | 8.375% | $105,000 | 26.7% |
| PHH Mortgage Corporation | 11 | 6.490% | $265,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 11 | 7.999% | $315,000 | 35.3% |
| USAA Federal Savings Bank | 11 | 6.500% | $385,000 | 26.7% |
| Peoples Bank | 11 | 6.500% | $255,000 | 36.8% |
| LOWER, LLC | 11 | 6.500% | $355,000 | 8.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 11 | 9.910% | $145,000 | 20.0% |
| OCMBC, INC. | 11 | 6.999% | $315,000 | 15.4% |
| DEEPHAVEN MORTGAGE LLC | 11 | 7.250% | $245,000 | 15.4% |
| SHARONVIEW FEDERAL CREDIT UNION | 10 | 7.750% | $105,000 | 44.4% |
| American Airlines Federal Credit Union | 10 | 6.438% | $195,000 | 25.0% |
| Primis Mortgage Company | 10 | 6.563% | $260,000 | 9.1% |
| NFM, INC. | 10 | 6.688% | $230,000 | 0.0% |
| CAPITAL CENTER, L.L.C. | 10 | 6.125% | $255,000 | 0.0% |
| CAROLINAS TELCO FEDERAL CREDIT UNION | 10 | 5.875% | $290,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Tomo Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Farmers & Merchants Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| First Horizon Bank | 8 | Under 10 loans | Under 10 loans | 38.5% |
| INTERCOASTAL MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| ROYAL UNITED MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 82.5% |
| AMERICAN FINANCING CORPORATION | 6 | Under 10 loans | Under 10 loans | 46.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 27.3% |
| TOP FLITE FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| United Nations Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| KWIK MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LATINO COMMUNITY CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 12.5% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 5 | Under 10 loans | Under 10 loans | 87.0% |
| DIGITAL | 5 | Under 10 loans | Under 10 loans | 25.0% |
| Loan Funder LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SUCCESS LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| UNITED FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 5 | Under 10 loans | Under 10 loans | 28.6% |
| 254900CTT87ZKAUTIJ37 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Filo Mortgage, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 894500CFQPXSLHK0OK52 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 4 | Under 10 loans | Under 10 loans | 22.2% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| First National Bank of America | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Carter Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 54.6% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Logan Finance Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTH RIVER MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 25.0% |
| KEYSTONE FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | 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 229 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in Cabarrus County
34 FDIC-insured branches from 12 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Truist Bank | 5 | $657.3 million |
| Fifth Third Bank, National Association | 5 | $584.2 million |
| Wells Fargo Bank, National Association | 4 | $913.1 million |
| Bank of America, National Association | 3 | $363.9 million |
| Woodforest National Bank | 3 | $12.2 million |
| Uwharrie Bank | 2 | $246.8 million |
| First-Citizens Bank & Trust Company | 2 | $241.8 million |
| Pinnacle Bank | 2 | $210.9 million |
| Farmers & Merchants Bank | 2 | $188.8 million |
| Bank OZK | 2 | $170.0 million |
| JPMorgan Chase Bank, National Association | 2 | $101.6 million |
| First Bank | 2 | $93.6 million |
Closed since the 2025 survey
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Pinnacle Bank, 271 Copperfield Blvd Ne, Concord
- Wells Fargo Bank, National Association, 50 Union St N, Concord
Get told when this changes
When the next year’s lending figures are out for Cabarrus County, or a lender arrives or leaves.
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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. 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.