Refinancing lenders in Mecklenburg County
4,870 refinancing mortgages were made in Mecklenburg County, North Carolina, in 2025, by 372 lenders. The median rate their borrowers got was 6.240% on a median loan of $335,000. Of 6,592 decisions, 1,394 were denials — 21.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 568 | 5.999% | $385,000 | 12.4% |
| Rocket Mortgage, LLC | 340 | 5.990% | $365,000 | 16.1% |
| Bank of America, National Association | 305 | 5.990% | $255,000 | 20.6% |
| STATE EMPLOYEES' | 215 | 6.500% | $125,000 | 40.6% |
| Truist Bank | 204 | 5.965% | $205,000 | 29.9% |
| FREEDOM MORTGAGE CORPORATION | 182 | 6.125% | $385,000 | 5.0% |
| First-Citizens Bank & Trust Company | 182 | 6.495% | $275,000 | 23.5% |
| Truliant Federal Credit Union | 142 | 7.250% | $125,000 | 43.6% |
| PENNYMAC LOAN SERVICES, LLC | 137 | 5.875% | $405,000 | 13.7% |
| Fifth Third Bank, National Association | 114 | 7.550% | $150,000 | 27.5% |
| MOVEMENT MORTGAGE, LLC | 107 | 6.062% | $455,000 | 2.5% |
| American Security Mortgage Corp. | 90 | 5.995% | $600,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 87 | 6.125% | $375,000 | 4.3% |
| PNC Bank, National Association | 83 | 7.350% | $300,000 | 31.0% |
| First National Bank of Pennsylvania | 77 | 6.250% | $385,000 | 25.7% |
| Kiavi Funding, Inc. | 72 | 7.125% | $255,000 | 7.5% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 65 | 6.250% | $625,000 | 0.0% |
| NEWREZ LLC | 56 | 5.990% | $410,000 | 24.7% |
| Third Federal Savings and Loan Association of Cleveland | 50 | 6.990% | $205,000 | 32.5% |
| NATIONSTAR MORTGAGE LLC | 49 | 6.125% | $365,000 | 3.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 48 | 6.058% | $350,000 | 7.0% |
| Citizens Bank, National Association | 47 | 7.150% | $305,000 | 22.7% |
| Loandepot.Com, LLC | 44 | 5.875% | $360,000 | 21.4% |
| SKYLA FEDERAL CREDIT UNION | 39 | 6.750% | $215,000 | 21.8% |
| SouthState Bank, National Association | 39 | 6.340% | $545,000 | 26.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 38 | 6.188% | $220,000 | 18.4% |
| Wells Fargo Bank, National Association | 37 | 5.750% | $480,000 | 9.8% |
| LAKEVIEW LOAN SERVICING, LLC | 36 | 6.125% | $355,000 | 59.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 33 | 6.125% | $465,000 | 0.0% |
| United Community Bank | 31 | 6.500% | $355,000 | 25.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 30 | 5.750% | $385,000 | 7.1% |
| Alcova Mortgage LLC | 30 | 6.750% | $280,000 | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | 28 | 5.890% | $340,000 | 33.3% |
| TD Bank, National Association | 27 | 7.340% | $395,000 | 22.9% |
| Regions Bank | 26 | 5.750% | $805,000 | 29.3% |
| Towne Bank | 26 | 6.813% | $455,000 | 12.9% |
| FINANCE OF AMERICA REVERSE LLC | 25 | 6.000% | $195,000 | 21.9% |
| Mortgage Research Center, LLC | 24 | 5.875% | $385,000 | 57.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 24 | 6.125% | $440,000 | 3.9% |
| Pinnacle Bank | 24 | 6.250% | $345,000 | 17.2% |
| COASTAL Federal Credit Union | 23 | 7.650% | $165,000 | 24.2% |
| Cornerstone First Mortgage, Inc | 23 | 7.250% | $325,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 22 | 5.972% | $460,000 | 0.0% |
| U.S. Bank National Association | 21 | 6.375% | $505,000 | 19.2% |
| THE LOAN STORE, INC. | 20 | 6.625% | $265,000 | 0.0% |
| Churchill Funding I LLC | 18 | 7.000% | $495,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 17 | 6.250% | $355,000 | 19.1% |
| CMG MORTGAGE, INC. | 17 | 6.125% | $455,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 16 | 5.625% | $340,000 | 11.1% |
| GUARANTEED RATE, INC. | 15 | 6.125% | $425,000 | 6.3% |
| BETTER MORTGAGE CORPORATION | 15 | 6.125% | $365,000 | 30.4% |
| SHARONVIEW FEDERAL CREDIT UNION | 15 | 8.000% | $125,000 | 38.5% |
| Lendage, LLC | 15 | 10.625% | $105,000 | 6.3% |
| NBKC BANK | 14 | 5.933% | $425,000 | 22.2% |
| Fairway Independent Mortgage Corporation | 14 | 6.625% | $285,000 | 17.7% |
| The Huntington National Bank | 14 | 6.125% | $805,000 | 16.7% |
| First Horizon Bank | 14 | 7.270% | $465,000 | 15.8% |
| GUILD MORTGAGE COMPANY | 13 | 6.500% | $335,000 | 28.6% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 13 | 6.624% | $555,000 | 0.0% |
| Filo Mortgage, L.L.C. | 13 | 6.125% | $425,000 | 7.1% |
| MILEND, INC. | 12 | 5.938% | $345,000 | 18.8% |
| SPRING EQ, LLC | 12 | 9.478% | $135,000 | 38.1% |
| FOUNDERS FEDERAL CREDIT UNION | 12 | 6.063% | $275,000 | 22.2% |
| CAROLINAS TELCO FEDERAL CREDIT UNION | 12 | 5.750% | $270,000 | 7.7% |
| SOUTH RIVER MORTGAGE, LLC | 11 | 5.875% | $125,000 | 0.0% |
| Primis Mortgage Company | 11 | 6.313% | $385,000 | 0.0% |
| Ixonia Bank | 11 | 6.125% | $335,000 | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 11 | 7.750% | $305,000 | 0.0% |
| Discover Bank | 10 | 8.390% | $115,000 | 71.4% |
| PHH Mortgage Corporation | 10 | 5.933% | $425,000 | 16.7% |
| PENTAGON FEDERAL CREDIT UNION | 10 | 7.750% | $255,000 | 50.0% |
| LONGBRIDGE FINANCIAL, LLC | 10 | 5.938% | $210,000 | 8.3% |
| Ameris Bank | 10 | 6.490% | $580,000 | 0.0% |
| Plains Commerce Bank | 10 | 6.308% | $370,000 | 9.1% |
| PLANET HOME LENDING, LLC | 10 | 5.750% | $380,000 | 0.0% |
| Charles Schwab Bank, SSB | 10 | 5.488% | $1,180,000 | 0.0% |
| Broker Solutions, Inc. | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Navy Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 30.8% |
| LOWER, LLC | 9 | Under 10 loans | Under 10 loans | 43.8% |
| CAPITAL CENTER, L.L.C. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Loan Funder LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Uwharrie Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| MLD MORTGAGE INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 50.0% |
| OriginPoint, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ROYAL UNITED MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 7 | Under 10 loans | Under 10 loans | 9.1% |
| GUARANTEED RATE AFFINITY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The Park National Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| CLEARPATH LENDING | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 22.2% |
| LoanUnited.com, LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Northpointe Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 9.1% |
| LIMA ONE CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 45.5% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| General Mortgage Capital Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Southern First Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 5 | Under 10 loans | Under 10 loans | 44.4% |
| LOCAL GOVERNMENT | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Bank OZK | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| VISTA POINT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 5 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 14.3% |
| KWIK MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Carter Bank & Trust | 5 | Under 10 loans | Under 10 loans | 16.7% |
| WALKER & DUNLOP, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BlueHarbor Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 30.0% |
| SayGO Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Farmers Bank & Trust | 4 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 40.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN INTERNET MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| 984500FAD1FB7FEGTE82 | 4 | Under 10 loans | Under 10 loans | 20.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| HomeTrust Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 3 | Under 10 loans | Under 10 loans | 57.1% |
| DIGITAL | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Strong Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| University Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Fidelity Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 549300MPZDD9EFQ1E963 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PROPONENT Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 62.5% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 2 | Under 10 loans | Under 10 loans | 66.7% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 40.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ServisFirst Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED PREMIER FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LANGLEY Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW FED MORTGAGE, CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM Real Estate Finance, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 87.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK 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 172 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.