Home purchase lenders in Cabarrus County
3,402 home purchase mortgages were made in Cabarrus County, North Carolina, in 2025, by 323 lenders. The median rate their borrowers got was 6.500% on a median loan of $335,000. Of 3,979 decisions, 443 were denials — 11.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 214 | 6.500% | $365,000 | 6.0% |
| MOVEMENT MORTGAGE, LLC | 176 | 6.625% | $325,000 | 1.0% |
| Rocket Mortgage, LLC | 174 | 6.500% | $360,000 | 7.9% |
| M/I FINANCIAL, LLC | 152 | 6.375% | $560,000 | 0.0% |
| STATE EMPLOYEES' | 150 | 5.888% | $315,000 | 16.8% |
| NVR Mortgage Finance, Inc. | 121 | 6.625% | $315,000 | 26.7% |
| Loandepot.Com, LLC | 96 | 6.125% | $325,000 | 11.8% |
| Ixonia Bank | 87 | 6.750% | $295,000 | 1.1% |
| First National Bank of Pennsylvania | 86 | 5.875% | $260,000 | 12.2% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 86 | 6.500% | $310,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 79 | 6.625% | $285,000 | 2.4% |
| American Security Mortgage Corp. | 71 | 6.625% | $365,000 | 2.7% |
| Alcova Mortgage LLC | 70 | 6.625% | $325,000 | 3.9% |
| Uwharrie Bank | 66 | 6.875% | $375,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 54 | 6.600% | $345,000 | 1.8% |
| ZILLOW HOME LOANS, LLC | 49 | 6.625% | $315,000 | 2.0% |
| Truist Bank | 49 | 6.475% | $485,000 | 3.9% |
| Mortgage Research Center, LLC | 48 | 6.250% | $350,000 | 5.6% |
| PULTE MORTGAGE LLC | 47 | 6.125% | $585,000 | 14.3% |
| JPMorgan Chase Bank, National Association | 46 | 6.500% | $310,000 | 4.1% |
| Bank of America, National Association | 44 | 6.063% | $295,000 | 22.8% |
| GUILD MORTGAGE COMPANY | 44 | 6.625% | $295,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 44 | 6.058% | $380,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 38 | 6.624% | $315,000 | 7.3% |
| Wells Fargo Bank, National Association | 36 | 6.125% | $395,000 | 7.7% |
| Navy Federal Credit Union | 32 | 6.188% | $375,000 | 22.0% |
| U.S. Bank National Association | 32 | 6.250% | $525,000 | 15.4% |
| Broker Solutions, Inc. | 32 | 6.495% | $315,000 | 8.6% |
| Fifth Third Bank, National Association | 30 | 6.500% | $225,000 | 16.2% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 30 | 6.652% | $350,000 | 0.0% |
| Atlantic Coast Mortgage, LLC | 29 | 6.490% | $315,000 | 0.0% |
| MATTAMY HOME FUNDING, LLC | 28 | 5.250% | $315,000 | 6.7% |
| KBHS HOME LOANS, LLC | 26 | 5.870% | $385,000 | 15.6% |
| Pinnacle Bank | 25 | 6.250% | $255,000 | 21.2% |
| First-Citizens Bank & Trust Company | 25 | 5.750% | $265,000 | 10.3% |
| INSPIRE HOME LOANS INC. | 25 | 5.875% | $465,000 | 0.0% |
| FOUNDERS FEDERAL CREDIT UNION | 24 | 6.000% | $280,000 | 20.0% |
| Kiavi Funding, Inc. | 22 | 10.575% | $205,000 | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 21 | 5.990% | $465,000 | 12.5% |
| LENNAR MORTGAGE, LLC | 20 | 6.000% | $370,000 | 9.1% |
| NEWREZ LLC | 19 | 6.250% | $345,000 | 0.0% |
| Ameris Bank | 19 | 6.490% | $345,000 | 9.5% |
| Gateway First Bank | 18 | 6.750% | $280,000 | 10.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 18 | 6.438% | $340,000 | 5.3% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 18 | 6.500% | $230,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 16 | 6.375% | $425,000 | 0.0% |
| Towne Bank | 16 | 6.438% | $220,000 | 5.9% |
| THE LOAN STORE, INC. | 16 | 6.625% | $365,000 | 5.6% |
| Taylor Morrison Home Funding, Inc. | 15 | 5.875% | $745,000 | 16.7% |
| UNION HOME MORTGAGE CORP. | 15 | 6.500% | $295,000 | 0.0% |
| SouthState Bank, National Association | 15 | 6.750% | $205,000 | 0.0% |
| GUARANTEED RATE, INC. | 14 | 6.538% | $360,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 13 | 6.500% | $345,000 | 23.5% |
| ENVOY MORTGAGE, LTD | 13 | 6.500% | $335,000 | 0.0% |
| KIND LENDING, LLC | 13 | 6.500% | $365,000 | 18.8% |
| Click n' Close, Inc. | 13 | 6.990% | $245,000 | 0.0% |
| SKYLA FEDERAL CREDIT UNION | 13 | 6.250% | $355,000 | 0.0% |
| CMG MORTGAGE, INC. | 13 | 6.563% | $365,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 13 | 6.875% | $325,000 | 0.0% |
| 254900YZ174H294JW398 | 12 | 5.370% | $420,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 12 | 6.933% | $335,000 | 0.0% |
| First Bank | 12 | 6.250% | $530,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 6.500% | $285,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 11 | 6.875% | $365,000 | 0.0% |
| NFM, INC. | 10 | 6.688% | $230,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| NBKC BANK | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Tomo Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Regions Bank | 8 | Under 10 loans | Under 10 loans | 18.2% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 82.5% |
| First Federal Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LATINO COMMUNITY CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 12.5% |
| EVERETT FINANCIAL, INC. | 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% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PNC Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Truliant Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 33.3% |
| SUCCESS LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Farmers & Merchants Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ALLEGACY FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 14.3% |
| TD Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| United Nations Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NATIONSTAR MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| American Airlines Federal 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% |
| 894500CFQPXSLHK0OK52 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 4 | Under 10 loans | Under 10 loans | 88.9% |
| Loan Funder LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Loansteady LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAROLINAS TELCO FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SCHUMACHER MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JAMS-01, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 50.0% |
| OriginPoint, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank OZK | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RAPID MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SIRVA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Park National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ACOPIA, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 94.4% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LEGEND LENDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Southern First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 212 LOANS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 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 123 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.