Home purchase lenders in Mecklenburg County
15,559 home purchase mortgages were made in Mecklenburg County, North Carolina, in 2025, by 572 lenders. The median rate their borrowers got was 6.414% on a median loan of $365,000. Of 17,623 decisions, 1,571 were denials — 8.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| First National Bank of Pennsylvania | 898 | 5.750% | $290,000 | 9.9% |
| Rocket Mortgage, LLC | 746 | 6.500% | $375,000 | 8.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 733 | 6.500% | $365,000 | 9.2% |
| American Security Mortgage Corp. | 699 | 6.500% | $435,000 | 0.8% |
| MOVEMENT MORTGAGE, LLC | 699 | 6.625% | $385,000 | 1.6% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 665 | 6.624% | $465,000 | 1.6% |
| Bank of America, National Association | 490 | 6.000% | $365,000 | 14.2% |
| JPMorgan Chase Bank, National Association | 419 | 6.500% | $355,000 | 4.9% |
| STATE EMPLOYEES' | 350 | 5.825% | $345,000 | 16.4% |
| Wells Fargo Bank, National Association | 348 | 6.250% | $440,000 | 11.0% |
| Truist Bank | 286 | 6.175% | $505,000 | 7.4% |
| NVR Mortgage Finance, Inc. | 281 | 6.250% | $325,000 | 24.3% |
| PULTE MORTGAGE LLC | 279 | 5.990% | $465,000 | 9.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 258 | 6.750% | $365,000 | 3.0% |
| Loandepot.Com, LLC | 234 | 5.500% | $350,000 | 20.9% |
| PENNYMAC LOAN SERVICES, LLC | 208 | 6.499% | $385,000 | 4.6% |
| ZILLOW HOME LOANS, LLC | 201 | 6.500% | $345,000 | 2.4% |
| DHI MORTGAGE COMPANY, LTD. | 196 | 5.500% | $365,000 | 13.9% |
| M/I FINANCIAL, LLC | 162 | 5.875% | $495,000 | 0.6% |
| MATTAMY HOME FUNDING, LLC | 161 | 5.375% | $345,000 | 4.7% |
| Fairway Independent Mortgage Corporation | 155 | 6.750% | $345,000 | 3.7% |
| First-Citizens Bank & Trust Company | 147 | 5.990% | $315,000 | 10.1% |
| GUILD MORTGAGE COMPANY | 142 | 6.562% | $340,000 | 3.8% |
| Towne Bank | 141 | 6.490% | $405,000 | 3.4% |
| Taylor Morrison Home Funding, Inc. | 141 | 6.125% | $385,000 | 6.0% |
| FOUNDERS FEDERAL CREDIT UNION | 140 | 6.000% | $305,000 | 18.5% |
| TOLL BROTHERS MORTGAGE COMPANY | 133 | 6.490% | $495,000 | 6.4% |
| SouthState Bank, National Association | 133 | 6.250% | $290,000 | 11.8% |
| U.S. Bank National Association | 129 | 6.625% | $415,000 | 12.4% |
| Kiavi Funding, Inc. | 129 | 9.950% | $265,000 | 8.8% |
| Regions Bank | 126 | 6.500% | $440,000 | 13.1% |
| Broker Solutions, Inc. | 124 | 6.500% | $310,000 | 3.1% |
| Alcova Mortgage LLC | 121 | 6.750% | $335,000 | 2.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 115 | 6.490% | $405,000 | 4.8% |
| Navy Federal Credit Union | 114 | 6.125% | $385,000 | 11.3% |
| PNC Bank, National Association | 113 | 6.375% | $505,000 | 11.6% |
| THE LOAN STORE, INC. | 113 | 6.625% | $335,000 | 3.2% |
| Uwharrie Bank | 112 | 6.750% | $255,000 | 0.9% |
| Primis Mortgage Company | 110 | 6.375% | $315,000 | 1.8% |
| Mortgage Research Center, LLC | 107 | 6.250% | $385,000 | 7.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 105 | 6.625% | $395,000 | 0.9% |
| 254900YZ174H294JW398 | 105 | 6.250% | $375,000 | 0.9% |
| Atlantic Coast Mortgage, LLC | 104 | 6.625% | $285,000 | 0.0% |
| Fifth Third Bank, National Association | 103 | 6.375% | $405,000 | 20.5% |
| Ixonia Bank | 103 | 6.750% | $355,000 | 2.8% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 100 | 6.500% | $440,000 | 2.8% |
| Plains Commerce Bank | 89 | 6.625% | $445,000 | 3.3% |
| NEWREZ LLC | 85 | 6.250% | $425,000 | 10.4% |
| SOFI BANK, NATIONAL ASSOCIATION | 80 | 6.433% | $410,000 | 3.6% |
| OriginPoint, LLC | 76 | 6.375% | $455,000 | 6.2% |
| CMG MORTGAGE, INC. | 75 | 6.625% | $455,000 | 7.1% |
| GUARANTEED RATE, INC. | 73 | 6.525% | $375,000 | 5.1% |
| Pinnacle Bank | 65 | 6.125% | $325,000 | 8.3% |
| Ameris Bank | 64 | 6.375% | $325,000 | 1.5% |
| KIND LENDING, LLC | 63 | 6.990% | $335,000 | 29.2% |
| SKYLA FEDERAL CREDIT UNION | 62 | 6.433% | $350,000 | 9.1% |
| LENNAR MORTGAGE, LLC | 61 | 6.125% | $325,000 | 7.6% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 59 | 6.625% | $395,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 59 | 6.375% | $395,000 | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 58 | 6.750% | $345,000 | 0.0% |
| TD Bank, National Association | 55 | 6.250% | $745,000 | 8.3% |
| BETTER MORTGAGE CORPORATION | 54 | 6.375% | $415,000 | 22.2% |
| Morgan Stanley Private Bank, National Association | 51 | 5.850% | $705,000 | 0.0% |
| First Federal Bank | 48 | 6.313% | $315,000 | 5.9% |
| GUARANTEED RATE AFFINITY, LLC | 47 | 6.625% | $345,000 | 4.1% |
| The Huntington National Bank | 46 | 6.125% | $865,000 | 4.1% |
| UNION HOME MORTGAGE CORP. | 43 | 6.625% | $395,000 | 4.4% |
| USAA Federal Savings Bank | 41 | 6.500% | $395,000 | 29.3% |
| NBKC BANK | 41 | 6.250% | $445,000 | 6.8% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 40 | 6.370% | $455,000 | 5.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 39 | 4.875% | $305,000 | 56.8% |
| Click n' Close, Inc. | 38 | 6.875% | $305,000 | 13.6% |
| LOWER, LLC | 37 | 6.625% | $365,000 | 2.6% |
| Truliant Federal Credit Union | 36 | 7.000% | $245,000 | 40.0% |
| First Heritage Mortgage, LLC | 35 | 6.375% | $465,000 | 7.9% |
| ENVOY MORTGAGE, LTD | 33 | 6.500% | $385,000 | 0.0% |
| Tomo Mortgage, LLC | 32 | 6.313% | $430,000 | 23.8% |
| FIRST COMMUNITY MORTGAGE, INC. | 32 | 6.125% | $345,000 | 12.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | 32 | 6.625% | $310,000 | 5.9% |
| CORNERSTONE CAPITAL BANK, SSB | 32 | 5.375% | $420,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 30 | 7.750% | $270,000 | 11.8% |
| PLAZA HOME MORTGAGE, INC. | 29 | 6.125% | $335,000 | 28.6% |
| First Horizon Bank | 29 | 6.375% | $655,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 29 | 6.625% | $325,000 | 10.3% |
| General Mortgage Capital Corporation | 29 | 6.750% | $305,000 | 0.0% |
| OCMBC, INC. | 28 | 7.499% | $280,000 | 16.7% |
| FREEDOM MORTGAGE CORPORATION | 28 | 6.250% | $390,000 | 14.7% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 28 | 6.125% | $450,000 | 0.0% |
| United Community Bank | 27 | 6.500% | $305,000 | 22.9% |
| Citizens Bank, National Association | 27 | 7.150% | $305,000 | 15.6% |
| Citibank, National Association | 27 | 5.875% | $985,000 | 6.9% |
| PREMIER LENDING, INC. | 27 | 6.750% | $415,000 | 0.0% |
| Charles Schwab Bank, SSB | 27 | 5.275% | $875,000 | 10.0% |
| Citadel Servicing Corporation | 26 | 8.250% | $280,000 | 3.2% |
| Prosperity Home Mortgage, LLC | 26 | 6.563% | $320,000 | 0.0% |
| LATINO COMMUNITY CREDIT UNION | 26 | 7.750% | $265,000 | 6.7% |
| AMWEST FUNDING CORP. | 25 | 6.750% | $275,000 | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | 24 | 6.313% | $310,000 | 10.7% |
| Gateway First Bank | 24 | 6.625% | $285,000 | 7.7% |
| Peoples Bank | 24 | 6.075% | $370,000 | 3.9% |
| NFM, INC. | 23 | 6.750% | $385,000 | 3.9% |
| Filo Mortgage, L.L.C. | 21 | 6.375% | $435,000 | 4.4% |
| First National Bank of America | 21 | 8.875% | $265,000 | 19.2% |
| RESICENTRAL, LLC | 21 | 6.625% | $365,000 | 0.0% |
| UBS Bank USA | 21 | 5.875% | $905,000 | 4.6% |
| BAY EQUITY LLC | 20 | 6.375% | $325,000 | 4.8% |
| EVERETT FINANCIAL, INC. | 20 | 6.933% | $305,000 | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 20 | 7.500% | $305,000 | 9.1% |
| City Lending Inc. | 20 | 7.125% | $245,000 | 13.0% |
| Commerce Home Mortgage, Inc. | 20 | 7.625% | $295,000 | 9.1% |
| FBC MORTGAGE, LLC | 20 | 6.375% | $495,000 | 4.8% |
| NATIONSTAR MORTGAGE LLC | 20 | 6.750% | $330,000 | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 20 | 6.313% | $515,000 | 0.0% |
| United Bank | 20 | 5.990% | $535,000 | 0.0% |
| Northpointe Bank | 19 | 6.375% | $455,000 | 17.4% |
| Flagstar Bank, N.A. | 19 | 6.625% | $395,000 | 24.0% |
| AMERICAN HERITAGE LENDING, LLC | 19 | 7.625% | $275,000 | 0.0% |
| Southern First Bank | 19 | 6.500% | $265,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 18 | 6.750% | $330,000 | 33.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 16 | 6.625% | $360,000 | 11.1% |
| HomeTrust Bank | 16 | 2.000% | $250,000 | 5.9% |
| 212 LOANS, LLC. | 16 | 11.495% | $285,000 | 0.0% |
| A&D Mortgage LLC | 15 | 6.750% | $385,000 | 6.3% |
| Bank OZK | 15 | 6.500% | $305,000 | 15.0% |
| 254900CTT87ZKAUTIJ37 | 15 | 8.500% | $285,000 | 11.8% |
| NEXERA HOLDING LLC | 14 | 7.438% | $355,000 | 17.7% |
| Hometown Equity Mortgage, LLC | 14 | 7.000% | $310,000 | 30.0% |
| The Park National Bank | 14 | 7.125% | $305,000 | 11.1% |
| INTERCOASTAL MORTGAGE, LLC | 14 | 6.625% | $410,000 | 0.0% |
| 894500CFQPXSLHK0OK52 | 14 | 6.375% | $325,000 | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 14 | 9.750% | $430,000 | 0.0% |
| Loan Funder LLC | 13 | 10.990% | $735,000 | 35.0% |
| Liberty | 13 | 6.500% | $735,000 | 7.1% |
| V.I.P. MORTGAGE, INC. | 13 | 6.875% | $315,000 | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 13 | 6.875% | $335,000 | 0.0% |
| SIRVA MORTGAGE, INC. | 13 | 6.625% | $505,000 | 0.0% |
| JET HOMELOANS, LP | 13 | 4.990% | $535,000 | 0.0% |
| American Airlines Federal Credit Union | 13 | 6.250% | $355,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 12 | 5.990% | $300,000 | 7.7% |
| DEEPHAVEN MORTGAGE LLC | 12 | 7.438% | $435,000 | 27.8% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 12 | 7.063% | $330,000 | 6.3% |
| BlueHarbor Bank | 12 | Not published | $470,000 | 7.1% |
| LIMA ONE CAPITAL, LLC | 11 | 9.700% | $665,000 | 15.4% |
| Integrity Home Mortgage Corporation | 11 | 6.875% | $405,000 | 8.3% |
| LEGEND LENDING CORPORATION | 11 | 6.625% | $295,000 | 15.4% |
| HOMEXPRESS MORTGAGE CORP. | 11 | 7.999% | $195,000 | 26.7% |
| TOWNE MORTGAGE COMPANY | 11 | 6.250% | $365,000 | 6.7% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 11 | 5.250% | $525,000 | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 11 | 7.125% | $315,000 | 0.0% |
| T2 FINANCIAL LLC | 11 | 6.875% | $425,000 | 7.7% |
| JAMS-01, INC. | 11 | 7.000% | $475,000 | 0.0% |
| Stifel Bank and Trust | 11 | 6.125% | $595,000 | 0.0% |
| Genesis Capital, LLC | 11 | 9.750% | $425,000 | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 10 | 6.188% | $365,000 | 0.0% |
| COASTAL Federal Credit Union | 10 | 6.188% | $415,000 | 28.6% |
| ALLIANT CREDIT UNION | 10 | 6.625% | $365,000 | 23.1% |
| KWIK MORTGAGE CORPORATION | 10 | 6.313% | $325,000 | 0.0% |
| First Bank | 10 | 4.563% | $190,000 | 0.0% |
| KEYSTONE FUNDING, INC. | 10 | 5.990% | $415,000 | 0.0% |
| Renasant Bank | 10 | 6.375% | $325,000 | 9.1% |
| RAPID MORTGAGE COMPANY | 10 | 6.750% | $300,000 | 0.0% |
| Shea Mortgage Inc. | 10 | 6.000% | $625,000 | 0.0% |
| NexBank | 10 | 6.438% | $375,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 10 | 6.482% | $375,000 | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 9.1% |
| CAROLINAS TELCO FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CORPORATE INVESTORS MORTGAGE GROUP, INC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 11.1% |
| SUCCESS LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| AML FUNDING LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| GENWAY HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| DOMINION FINANCIAL SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 7 | Under 10 loans | Under 10 loans | 20.0% |
| JMAC LENDING, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ServisFirst Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 64.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Fidelity Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 6 | Under 10 loans | Under 10 loans | 14.3% |
| DELMAR FINANCIAL COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Carter Bank & Trust | 6 | Under 10 loans | Under 10 loans | 14.3% |
| TOTAL MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 6 | 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 372 lenders each made 6 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.