Mortgage lenders in Mecklenburg County
29,329 mortgages were made in Mecklenburg County, North Carolina, in 2025, by 696 lenders. The median rate their borrowers got was 6.500% on a median loan of $315,000. Of 39,313 decisions, 8,354 were denials — 21.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 2,065 | 6.625% | $275,000 | 16.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,646 | 6.309% | $355,000 | 14.2% |
| Bank of America, National Association | 1,418 | 6.125% | $255,000 | 29.4% |
| STATE EMPLOYEES' | 1,165 | 6.500% | $155,000 | 35.1% |
| First National Bank of Pennsylvania | 1,117 | 5.990% | $285,000 | 13.4% |
| MOVEMENT MORTGAGE, LLC | 924 | 6.562% | $365,000 | 2.9% |
| American Security Mortgage Corp. | 804 | 6.500% | $450,000 | 0.7% |
| Truist Bank | 794 | 6.320% | $255,000 | 33.7% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 760 | 6.624% | $475,000 | 1.5% |
| First-Citizens Bank & Trust Company | 618 | 6.350% | $205,000 | 20.4% |
| JPMorgan Chase Bank, National Association | 591 | 6.490% | $345,000 | 6.8% |
| Truliant Federal Credit Union | 503 | 7.250% | $105,000 | 53.6% |
| Wells Fargo Bank, National Association | 481 | 6.250% | $395,000 | 12.7% |
| Fifth Third Bank, National Association | 469 | 7.500% | $155,000 | 35.7% |
| Loandepot.Com, LLC | 453 | 5.990% | $315,000 | 26.3% |
| PENNYMAC LOAN SERVICES, LLC | 427 | 6.250% | $375,000 | 13.3% |
| SKYLA FEDERAL CREDIT UNION | 358 | 7.500% | $105,000 | 40.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 356 | 6.750% | $345,000 | 5.9% |
| PNC Bank, National Association | 310 | 6.850% | $285,000 | 28.8% |
| FREEDOM MORTGAGE CORPORATION | 300 | 6.250% | $345,000 | 12.0% |
| SouthState Bank, National Association | 292 | 6.340% | $305,000 | 17.9% |
| Navy Federal Credit Union | 287 | 7.750% | $205,000 | 33.6% |
| NVR Mortgage Finance, Inc. | 281 | 6.250% | $325,000 | 24.3% |
| PULTE MORTGAGE LLC | 279 | 5.990% | $465,000 | 9.4% |
| NEWREZ LLC | 239 | 6.375% | $305,000 | 33.6% |
| Towne Bank | 235 | 6.625% | $375,000 | 9.9% |
| U.S. Bank National Association | 227 | 6.750% | $315,000 | 29.3% |
| FOUNDERS FEDERAL CREDIT UNION | 222 | 6.250% | $265,000 | 29.5% |
| ZILLOW HOME LOANS, LLC | 202 | 6.500% | $345,000 | 2.4% |
| Kiavi Funding, Inc. | 201 | 9.250% | $255,000 | 8.3% |
| Regions Bank | 198 | 6.250% | $405,000 | 28.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 197 | 6.690% | $285,000 | 12.9% |
| NATIONSTAR MORTGAGE LLC | 197 | 6.990% | $165,000 | 14.0% |
| DHI MORTGAGE COMPANY, LTD. | 196 | 5.500% | $365,000 | 13.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 193 | 6.490% | $355,000 | 13.0% |
| Citizens Bank, National Association | 192 | 7.325% | $205,000 | 22.6% |
| Fairway Independent Mortgage Corporation | 191 | 6.750% | $335,000 | 6.8% |
| THE LOAN STORE, INC. | 177 | 6.875% | $275,000 | 8.5% |
| Broker Solutions, Inc. | 168 | 6.625% | $295,000 | 19.3% |
| MATTAMY HOME FUNDING, LLC | 165 | 5.375% | $345,000 | 4.6% |
| GUILD MORTGAGE COMPANY | 163 | 6.500% | $335,000 | 6.8% |
| SPRING EQ, LLC | 162 | 9.050% | $95,000 | 58.6% |
| M/I FINANCIAL, LLC | 162 | 5.875% | $495,000 | 0.6% |
| Uwharrie Bank | 157 | 6.875% | $275,000 | 2.5% |
| FIGURE LENDING LLC | 156 | 10.450% | $70,000 | 28.4% |
| Alcova Mortgage LLC | 151 | 6.750% | $335,000 | 1.7% |
| BETTER MORTGAGE CORPORATION | 142 | 7.375% | $255,000 | 39.1% |
| Taylor Morrison Home Funding, Inc. | 141 | 6.125% | $385,000 | 6.0% |
| Mortgage Research Center, LLC | 140 | 6.188% | $380,000 | 34.9% |
| Third Federal Savings and Loan Association of Cleveland | 138 | 6.990% | $155,000 | 28.2% |
| TOLL BROTHERS MORTGAGE COMPANY | 134 | 6.490% | $495,000 | 6.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 134 | 6.375% | $450,000 | 6.1% |
| Pinnacle Bank | 132 | 6.250% | $265,000 | 15.4% |
| AmeriSave Mortgage Corporation | 131 | 8.375% | $95,000 | 62.1% |
| Atlantic Coast Mortgage, LLC | 128 | 6.625% | $285,000 | 0.0% |
| Ixonia Bank | 124 | 6.750% | $355,000 | 3.9% |
| TD Bank, National Association | 123 | 7.090% | $405,000 | 25.0% |
| Primis Mortgage Company | 123 | 6.375% | $315,000 | 1.6% |
| Coastal Community Bank | 122 | 9.740% | $65,000 | 1.3% |
| GUARANTEED RATE, INC. | 113 | 6.575% | $335,000 | 12.0% |
| ALLEGACY FEDERAL CREDIT UNION | 110 | 5.750% | $225,000 | 27.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 108 | 6.606% | $395,000 | 0.9% |
| 254900YZ174H294JW398 | 105 | 6.250% | $375,000 | 0.9% |
| CMG MORTGAGE, INC. | 103 | 6.625% | $445,000 | 6.1% |
| Plains Commerce Bank | 102 | 6.563% | $430,000 | 3.8% |
| United Community Bank | 96 | 6.500% | $245,000 | 28.1% |
| OriginPoint, LLC | 85 | 6.375% | $455,000 | 6.6% |
| Ameris Bank | 84 | 6.490% | $330,000 | 3.5% |
| KIND LENDING, LLC | 81 | 6.990% | $325,000 | 32.8% |
| SHARONVIEW FEDERAL CREDIT UNION | 73 | 7.500% | $125,000 | 53.8% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 73 | 6.625% | $375,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 71 | 6.625% | $365,000 | 5.3% |
| The Huntington National Bank | 70 | 6.250% | $790,000 | 17.2% |
| UNION HOME MORTGAGE CORP. | 69 | 6.500% | $365,000 | 8.0% |
| Lendage, LLC | 68 | 11.250% | $65,000 | 8.9% |
| Easy Street Capital, LLC | 67 | 9.900% | $265,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 66 | 6.125% | $460,000 | 4.7% |
| COASTAL Federal Credit Union | 66 | 7.490% | $150,000 | 36.0% |
| Peoples Bank | 66 | 5.995% | $255,000 | 30.0% |
| LOWER, LLC | 65 | 6.625% | $295,000 | 15.6% |
| First Horizon Bank | 63 | 6.770% | $405,000 | 20.5% |
| Morgan Stanley Private Bank, National Association | 63 | 5.850% | $705,000 | 3.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 62 | 6.250% | $405,000 | 1.4% |
| LENNAR MORTGAGE, LLC | 62 | 6.125% | $325,000 | 7.5% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 60 | 10.490% | $175,000 | 14.9% |
| LAKEVIEW LOAN SERVICING, LLC | 59 | 6.250% | $315,000 | 62.8% |
| NBKC BANK | 58 | 6.250% | $445,000 | 12.1% |
| RELIANCE FIRST CAPITAL, LLC | 58 | 6.625% | $215,000 | 6.3% |
| GUARANTEED RATE AFFINITY, LLC | 57 | 6.600% | $335,000 | 10.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 56 | 6.250% | $225,000 | 53.7% |
| First Federal Bank | 56 | 6.063% | $315,000 | 9.7% |
| CHAMPIONS FUNDING, LLC | 55 | 7.625% | $265,000 | 14.1% |
| CAROLINAS TELCO FEDERAL CREDIT UNION | 51 | 7.500% | $165,000 | 15.0% |
| PENTAGON FEDERAL CREDIT UNION | 50 | 7.688% | $215,000 | 50.5% |
| USAA Federal Savings Bank | 50 | 6.438% | $390,000 | 32.4% |
| OCMBC, INC. | 48 | 7.499% | $290,000 | 15.1% |
| NFM, INC. | 47 | 7.000% | $285,000 | 1.9% |
| Churchill Funding I LLC | 47 | 7.250% | $475,000 | 0.0% |
| Click n' Close, Inc. | 45 | 6.875% | $285,000 | 15.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 44 | 6.500% | $310,000 | 13.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 41 | 4.990% | $305,000 | 55.1% |
| Loan Funder LLC | 40 | 10.750% | $340,000 | 16.7% |
| PLAZA HOME MORTGAGE, INC. | 40 | 6.250% | $275,000 | 32.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 40 | 6.625% | $310,000 | 4.8% |
| Charles Schwab Bank, SSB | 40 | 5.413% | $945,000 | 7.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 38 | 5.750% | $370,000 | 33.3% |
| LOCAL GOVERNMENT | 38 | 8.250% | $55,000 | 49.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 38 | 7.687% | $295,000 | 25.9% |
| AMWEST FUNDING CORP. | 38 | 6.750% | $275,000 | 11.6% |
| Southern First Bank | 38 | 6.750% | $285,000 | 2.5% |
| DEEPHAVEN MORTGAGE LLC | 37 | 7.625% | $305,000 | 34.9% |
| ENVOY MORTGAGE, LTD | 37 | 6.500% | $385,000 | 5.1% |
| General Mortgage Capital Corporation | 37 | 6.625% | $305,000 | 0.0% |
| Bank OZK | 36 | 5.990% | $165,000 | 36.7% |
| Prosperity Home Mortgage, LLC | 36 | 6.500% | $320,000 | 10.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 36 | 6.125% | $495,000 | 0.0% |
| First Heritage Mortgage, LLC | 36 | 6.313% | $465,000 | 7.7% |
| Discover Bank | 35 | 8.620% | $75,000 | 80.9% |
| Northpointe Bank | 35 | 6.490% | $455,000 | 22.9% |
| Filo Mortgage, L.L.C. | 35 | 6.125% | $425,000 | 7.7% |
| Citadel Servicing Corporation | 35 | 7.999% | $265,000 | 4.4% |
| FINANCE OF AMERICA REVERSE LLC | 35 | 6.250% | $195,000 | 18.6% |
| PREMIER LENDING, INC. | 35 | 6.750% | $435,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 34 | 6.250% | $310,000 | 37.0% |
| Citibank, National Association | 34 | 5.813% | $890,000 | 29.4% |
| Equity Prime Mortgage LLC | 33 | 6.250% | $305,000 | 8.3% |
| AMERICAN HERITAGE LENDING, LLC | 33 | 7.500% | $255,000 | 17.7% |
| FIRST COMMUNITY MORTGAGE, INC. | 33 | 6.125% | $345,000 | 14.0% |
| CORNERSTONE CAPITAL BANK, SSB | 33 | 5.375% | $415,000 | 0.0% |
| Tomo Mortgage, LLC | 32 | 6.313% | $430,000 | 23.8% |
| SUN WEST MORTGAGE COMPANY, INC. | 32 | 6.250% | $310,000 | 20.0% |
| HomeTrust Bank | 32 | 7.125% | $265,000 | 24.4% |
| QUORUM FEDERAL CREDIT UNION | 31 | 8.875% | $135,000 | 34.4% |
| UBS Bank USA | 31 | 5.875% | $895,000 | 6.1% |
| GoodLeap, LLC | 30 | 6.125% | $125,000 | 33.9% |
| LATINO COMMUNITY CREDIT UNION | 30 | 7.625% | $250,000 | 12.8% |
| Cornerstone First Mortgage, Inc | 30 | 7.250% | $325,000 | 3.2% |
| Bethpage Federal Credit Union | 29 | 6.490% | $185,000 | 50.8% |
| Flagstar Bank, N.A. | 29 | 6.375% | $395,000 | 31.1% |
| Gateway First Bank | 29 | 6.750% | $295,000 | 6.5% |
| United Bank | 29 | 6.125% | $475,000 | 17.1% |
| AMERIHOME MORTGAGE COMPANY, LLC | 27 | 6.375% | $355,000 | 18.2% |
| LIMA ONE CAPITAL, LLC | 27 | 8.900% | $375,000 | 20.6% |
| Commerce Home Mortgage, Inc. | 27 | 7.500% | $305,000 | 22.9% |
| EVERETT FINANCIAL, INC. | 26 | 6.688% | $295,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 26 | 7.625% | $210,000 | 36.6% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 26 | 8.063% | $260,000 | 3.7% |
| 254900CTT87ZKAUTIJ37 | 26 | 8.625% | $290,000 | 20.6% |
| Carter Bank & Trust | 26 | 7.875% | $155,000 | 23.5% |
| ALLIANT CREDIT UNION | 25 | 7.625% | $335,000 | 42.2% |
| The Park National Bank | 25 | 7.250% | $235,000 | 18.2% |
| Hometown Equity Mortgage, LLC | 25 | 7.000% | $315,000 | 25.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 24 | 6.750% | $310,000 | 37.5% |
| NEXERA HOLDING LLC | 24 | 7.688% | $305,000 | 11.1% |
| A&D Mortgage LLC | 24 | 6.813% | $340,000 | 11.1% |
| First National Bank of America | 24 | 8.813% | $265,000 | 22.6% |
| First Bank | 24 | 6.500% | $275,000 | 11.1% |
| FIDELITY DIRECT MORTGAGE, LLC | 24 | 7.558% | $305,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 23 | 6.865% | $305,000 | 55.0% |
| American Airlines Federal Credit Union | 23 | 6.750% | $265,000 | 48.9% |
| RESICENTRAL, LLC | 23 | 6.625% | $365,000 | 7.7% |
| Liberty | 23 | 6.500% | $475,000 | 4.2% |
| PHH Mortgage Corporation | 22 | 6.370% | $330,000 | 20.7% |
| TOWER Federal Credit Union | 22 | 7.000% | $245,000 | 24.1% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 22 | 9.750% | $430,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 21 | 6.000% | $335,000 | 4.6% |
| City Lending Inc. | 21 | 7.500% | $245,000 | 12.5% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 21 | 6.250% | $535,000 | 0.0% |
| BAY EQUITY LLC | 20 | 6.375% | $325,000 | 4.8% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 20 | 5.313% | $500,000 | 13.0% |
| PLANET HOME LENDING, LLC | 20 | 5.990% | $300,000 | 13.0% |
| FBC MORTGAGE, LLC | 20 | 6.375% | $495,000 | 4.8% |
| LENDINGONE, LLC | 19 | 6.735% | $205,000 | 64.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 19 | 6.625% | $405,000 | 9.1% |
| GTE Federal Credit Union | 19 | 8.500% | $195,000 | 24.0% |
| KWIK MORTGAGE CORPORATION | 19 | 6.375% | $305,000 | 0.0% |
| TOP FLITE FINANCIAL, INC. | 18 | 6.813% | $210,000 | 18.2% |
| BlueHarbor Bank | 18 | Not published | $420,000 | 5.0% |
| The Federal Savings Bank | 17 | 6.250% | $385,000 | 32.0% |
| V.I.P. MORTGAGE, INC. | 17 | 6.875% | $285,000 | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 17 | 6.855% | $405,000 | 0.0% |
| LEGEND LENDING CORPORATION | 16 | 6.875% | $265,000 | 11.1% |
| 212 LOANS, LLC. | 16 | 11.495% | $285,000 | 0.0% |
| CAPITAL CENTER, L.L.C. | 15 | 6.125% | $435,000 | 28.6% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 15 | 9.865% | $245,000 | 0.0% |
| Barrington Bank & Trust Company, National Association | 15 | 6.625% | $335,000 | 11.8% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 14 | 7.063% | $330,000 | 10.5% |
| 894500CFQPXSLHK0OK52 | 14 | 6.375% | $325,000 | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 14 | 8.000% | $245,000 | 6.7% |
| Renasant Bank | 14 | 6.375% | $325,000 | 6.7% |
| Genesis Capital, LLC | 14 | 9.428% | $570,000 | 0.0% |
| Valon Mortgage, Inc. | 13 | 9.500% | $85,000 | 25.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 13 | 6.250% | $335,000 | 0.0% |
| PIEDMONT ADVANTAGE CREDIT UNION | 13 | 7.750% | $55,000 | 43.5% |
| Baxter Credit Union | 13 | 6.875% | $315,000 | 13.6% |
| LONGBRIDGE FINANCIAL, LLC | 13 | 6.125% | $205,000 | 6.3% |
| FIRST HOME MORTGAGE CORPORATION | 13 | 6.990% | $335,000 | 7.1% |
| SIRVA MORTGAGE, INC. | 13 | 6.625% | $505,000 | 0.0% |
| JET HOMELOANS, LP | 13 | 4.990% | $535,000 | 0.0% |
| HOMESTEAD FUNDING CORP. | 13 | 5.990% | $295,000 | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 496 lenders each made 13 or fewer mortgages here, and are counted in the totals above.
Bank branches in Mecklenburg County
251 FDIC-insured branches from 35 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
4 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Dogwood State Bank, 5955 Carnegie Blvd, Ste 200, Charlotte
- First-Citizens Bank & Trust Company, 8916 Albemarle Rd, Charlotte
- PNC Bank, National Association, 110 Matthews Station St, Ste 1f, Matthews
- The Huntington National Bank, 101 S Tryon St., Charlotte
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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.