Mortgage lenders in Cleveland County
2,373 mortgages were made in Cleveland County, North Carolina, in 2025, by 278 lenders. The median rate their borrowers got was 6.500% on a median loan of $175,000. Of 3,563 decisions, 1,045 were denials — 29.3%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| STATE EMPLOYEES' | 332 | 6.250% | $145,000 | 25.5% |
| Rocket Mortgage, LLC | 179 | 6.875% | $175,000 | 22.5% |
| Truliant Federal Credit Union | 127 | 7.250% | $75,000 | 42.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 96 | 6.125% | $250,000 | 21.4% |
| GUARANTEED RATE, INC. | 82 | 6.433% | $190,000 | 1.2% |
| Truist Bank | 69 | 6.700% | $115,000 | 34.8% |
| Bank OZK | 67 | 6.000% | $75,000 | 35.6% |
| HomeTrust Bank | 61 | 6.875% | $165,000 | 23.5% |
| MOVEMENT MORTGAGE, LLC | 58 | 6.500% | $230,000 | 4.3% |
| Loandepot.Com, LLC | 55 | 5.990% | $255,000 | 28.2% |
| The Fidelity Bank | 48 | 7.500% | $130,000 | 8.9% |
| DHI MORTGAGE COMPANY, LTD. | 47 | 5.125% | $325,000 | 7.8% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 42 | 6.250% | $205,000 | 0.0% |
| SHARONVIEW FEDERAL CREDIT UNION | 41 | 7.500% | $95,000 | 36.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 40 | 9.120% | $135,000 | 78.8% |
| GUILD MORTGAGE COMPANY | 36 | 6.313% | $215,000 | 11.9% |
| Fifth Third Bank, National Association | 32 | 7.800% | $100,000 | 35.7% |
| PENNYMAC LOAN SERVICES, LLC | 31 | 5.990% | $245,000 | 26.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 28 | 6.500% | $220,000 | 9.7% |
| Mortgage Research Center, LLC | 27 | 6.625% | $265,000 | 34.2% |
| Navy Federal Credit Union | 27 | 7.000% | $175,000 | 18.2% |
| Broker Solutions, Inc. | 25 | 6.625% | $185,000 | 10.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 24 | 6.490% | $205,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 23 | 6.250% | $235,000 | 21.1% |
| SKYLA FEDERAL CREDIT UNION | 22 | 7.500% | $95,000 | 52.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | 17 | 6.125% | $205,000 | 22.7% |
| UNION HOME MORTGAGE CORP. | 16 | 6.438% | $230,000 | 15.8% |
| Wells Fargo Bank, National Association | 16 | 6.250% | $130,000 | 20.0% |
| American Security Mortgage Corp. | 16 | 6.188% | $225,000 | 0.0% |
| Ixonia Bank | 16 | 6.563% | $300,000 | 0.0% |
| AmeriSave Mortgage Corporation | 15 | 7.250% | $65,000 | 72.7% |
| NATIONSTAR MORTGAGE LLC | 15 | 7.500% | $125,000 | 20.0% |
| Fairway Independent Mortgage Corporation | 15 | 6.990% | $215,000 | 0.0% |
| 21st Mortgage Corporation | 14 | 9.140% | $60,000 | 39.1% |
| Click n' Close, Inc. | 14 | 6.688% | $185,000 | 12.5% |
| Coastal Community Bank | 13 | 10.990% | $55,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 6.625% | $165,000 | 7.7% |
| RELIANCE FIRST CAPITAL, LLC | 12 | 6.875% | $155,000 | 0.0% |
| Bank of America, National Association | 11 | 6.490% | $175,000 | 62.1% |
| Equity Prime Mortgage LLC | 11 | 6.250% | $205,000 | 0.0% |
| LOCAL GOVERNMENT | 11 | 8.000% | $45,000 | 45.0% |
| ZILLOW HOME LOANS, LLC | 11 | 6.375% | $245,000 | 8.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 6.375% | $165,000 | 45.8% |
| First Federal Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 22.2% |
| PNC Bank, National Association | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Kiavi Funding, Inc. | 8 | Under 10 loans | Under 10 loans | 25.0% |
| Alcova Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 8 | Under 10 loans | Under 10 loans | 28.6% |
| KIND LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 25.0% |
| THE LOAN STORE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 7 | Under 10 loans | Under 10 loans | 72.0% |
| FIGURE LENDING LLC | 7 | Under 10 loans | Under 10 loans | 33.3% |
| Lendage, LLC | 7 | Under 10 loans | Under 10 loans | 27.3% |
| Loan Funder LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| SouthState Bank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| C & F Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 6 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Commercial Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 45.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 46.7% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| First-Citizens Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 22.2% |
| JPMorgan Chase Bank, National Association | 5 | Under 10 loans | Under 10 loans | 25.0% |
| CLEARPATH LENDING | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Sierra Pacific Mortgage Company, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 4 | Under 10 loans | Under 10 loans | 55.6% |
| FOUNDERS FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 55.6% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ENVOY MORTGAGE, LTD | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings Bank of Lincolnton | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 3 | Under 10 loans | Under 10 loans | 76.9% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 55.6% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 44.4% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Uwharrie Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Peoples Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Pinnacle Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AgFirst Farm Credit Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 66.7% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 57.1% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| First National Bank of Pennsylvania | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| CAROLINAS TELCO FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Easy Street Capital, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Union Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 85.7% |
| Towne Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 75.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AgSouth Farm Credit, ACA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Renasant Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Reliance Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ServisFirst Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900AH8L5ZM1JZET07 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Belmont Savings Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of York | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JUSTICE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 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 78 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Cleveland County
17 FDIC-insured branches from 9 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Bank OZK | 7 | $555.9 million |
| Truist Bank | 2 | $277.1 million |
| Commercial Bank | 2 | $111.9 million |
| The Fidelity Bank | 1 | $165.6 million |
| HomeTrust Bank | 1 | $101.9 million |
| Fifth Third Bank, National Association | 1 | $97.6 million |
| Wells Fargo Bank, National Association | 1 | $90.1 million |
| PNC Bank, National Association | 1 | $29.0 million |
| Woodforest National Bank | 1 | $6.3 million |
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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.