Mortgage lenders in Lincoln County
2,925 mortgages were made in Lincoln County, North Carolina, in 2025, by 325 lenders. The median rate their borrowers got was 6.500% on a median loan of $255,000. Of 3,937 decisions, 855 were denials — 21.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 253 | 6.625% | $205,000 | 16.6% |
| STATE EMPLOYEES' | 216 | 6.250% | $160,000 | 25.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 147 | 6.250% | $275,000 | 8.5% |
| MOVEMENT MORTGAGE, LLC | 92 | 6.625% | $295,000 | 0.9% |
| Peoples Bank | 91 | 7.250% | $255,000 | 28.8% |
| DHI MORTGAGE COMPANY, LTD. | 87 | 5.375% | $345,000 | 18.5% |
| First Federal Savings Bank of Lincolnton | 86 | Not published | $305,000 | 11.9% |
| Bank of America, National Association | 85 | 5.990% | $175,000 | 26.7% |
| Fifth Third Bank, National Association | 84 | 7.250% | $125,000 | 39.1% |
| Truist Bank | 79 | 6.750% | $155,000 | 32.2% |
| First-Citizens Bank & Trust Company | 68 | 6.445% | $115,000 | 22.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 53 | 6.625% | $275,000 | 1.8% |
| Fairway Independent Mortgage Corporation | 48 | 6.750% | $255,000 | 2.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 47 | 6.625% | $295,000 | 5.9% |
| INSPIRE HOME LOANS INC. | 45 | 5.125% | $325,000 | 5.8% |
| Truliant Federal Credit Union | 42 | 7.250% | $105,000 | 43.2% |
| American Security Mortgage Corp. | 39 | 6.500% | $365,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 36 | 5.999% | $340,000 | 11.9% |
| GUILD MORTGAGE COMPANY | 35 | 6.625% | $315,000 | 4.9% |
| FREEDOM MORTGAGE CORPORATION | 33 | 6.250% | $345,000 | 21.3% |
| KBHS HOME LOANS, LLC | 31 | 5.875% | $355,000 | 8.8% |
| Shea Mortgage Inc. | 31 | 6.500% | $455,000 | 0.0% |
| NVR Mortgage Finance, Inc. | 29 | 5.990% | $445,000 | 17.1% |
| NATIONSTAR MORTGAGE LLC | 28 | 7.313% | $155,000 | 28.2% |
| Navy Federal Credit Union | 27 | 7.250% | $185,000 | 43.8% |
| GoPrime Mortgage, Inc. | 27 | 6.625% | $255,000 | 0.0% |
| NEWREZ LLC | 25 | 6.375% | $255,000 | 21.9% |
| First National Bank of Pennsylvania | 24 | 6.433% | $355,000 | 20.0% |
| Mortgage Research Center, LLC | 22 | 6.125% | $345,000 | 29.0% |
| Broker Solutions, Inc. | 21 | 6.375% | $295,000 | 12.5% |
| Wells Fargo Bank, National Association | 21 | 6.125% | $325,000 | 12.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 19 | 6.500% | $325,000 | 0.0% |
| Loandepot.Com, LLC | 18 | 6.933% | $195,000 | 35.7% |
| United Bank | 18 | 6.970% | $245,000 | 28.0% |
| SPRING EQ, LLC | 17 | 9.475% | $55,000 | 55.0% |
| AmeriSave Mortgage Corporation | 16 | 8.313% | $90,000 | 68.0% |
| Atlantic Coast Mortgage, LLC | 16 | 6.625% | $380,000 | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 16 | 6.750% | $165,000 | 0.0% |
| FIGURE LENDING LLC | 15 | 10.500% | $75,000 | 17.4% |
| U.S. Bank National Association | 15 | 8.050% | $135,000 | 25.0% |
| LOCAL GOVERNMENT | 14 | 7.750% | $45,000 | 50.0% |
| GUARANTEED RATE, INC. | 14 | 6.463% | $190,000 | 30.0% |
| PNC Bank, National Association | 14 | 6.850% | $180,000 | 28.6% |
| Kiavi Funding, Inc. | 14 | 10.200% | $190,000 | 17.7% |
| Citizens Bank, National Association | 13 | 7.400% | $205,000 | 31.6% |
| Alcova Mortgage LLC | 13 | 6.750% | $305,000 | 0.0% |
| PLANET HOME LENDING, LLC | 13 | 5.990% | $235,000 | 0.0% |
| Ixonia Bank | 12 | 6.875% | $400,000 | 0.0% |
| C & F Mortgage Corporation | 12 | 6.313% | $230,000 | 0.0% |
| Regions Bank | 11 | 5.500% | $85,000 | 23.5% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 11 | 6.625% | $385,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 10 | 8.625% | $205,000 | 79.2% |
| Coastal Community Bank | 10 | 10.865% | $95,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 10 | 6.120% | $300,000 | 48.3% |
| SKYLA FEDERAL CREDIT UNION | 10 | 7.500% | $110,000 | 40.0% |
| JPMorgan Chase Bank, National Association | 10 | 6.375% | $320,000 | 44.4% |
| SouthState Bank, National Association | 10 | 6.545% | $210,000 | 21.4% |
| UNION HOME MORTGAGE CORP. | 10 | 6.750% | $250,000 | 0.0% |
| THE LOAN STORE, INC. | 10 | 7.245% | $370,000 | 15.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 10 | 6.188% | $425,000 | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 10 | 6.188% | $475,000 | 9.1% |
| Third Federal Savings and Loan Association of Cleveland | 9 | Under 10 loans | Under 10 loans | 31.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 9 | Under 10 loans | Under 10 loans | 25.0% |
| FOUNDERS FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 25.0% |
| ZILLOW HOME LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 8 | Under 10 loans | Under 10 loans | 21.1% |
| BETTER MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 18.2% |
| GUARANTEED RATE AFFINITY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Fidelity Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SHARONVIEW FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 20.0% |
| CAROLINAS TELCO FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| COASTAL Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Morgan Stanley Private Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 53.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 60.0% |
| AMERICAN FINANCING CORPORATION | 6 | Under 10 loans | Under 10 loans | 36.4% |
| Loan Funder LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| American Airlines Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| HomeTrust Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| First Heritage Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENNAR MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 40.0% |
| 254900M2C4Q6DATP2889 | 5 | Under 10 loans | Under 10 loans | 44.4% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 20.0% |
| Bank OZK | 5 | Under 10 loans | Under 10 loans | 54.6% |
| CMG MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 12.5% |
| Click n' Close, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| INTERCOASTAL MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Lendage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CORNING CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ENVOY MORTGAGE, LTD | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SKYLINE NATIONAL BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 85.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 82.4% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Park National Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Pinnacle Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AgSouth Farm Credit, ACA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Uwharrie Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Logan Finance Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 60.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FORT FINANCIAL Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Belmont Savings Bank, SSB | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SCHUMACHER MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Carter Bank & Trust | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Taylorsville Savings Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RAPID MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BlueHarbor Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commercial Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Park Lane Finance Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, 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 125 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Lincoln County
19 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First Federal Savings Bank of Lincolnton | 4 | $390.3 million |
| Fifth Third Bank, National Association | 2 | $321.3 million |
| Bank of America, National Association | 2 | $261.4 million |
| United Bank | 2 | $221.9 million |
| Truist Bank | 2 | $195.2 million |
| Peoples Bank | 2 | $191.0 million |
| First-Citizens Bank & Trust Company | 2 | $172.0 million |
| Bank OZK | 1 | $89.1 million |
| The Fidelity Bank | 1 | $6.2 million |
| Woodforest National Bank | 1 | $4.8 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.