Mortgage lenders in Union County
8,298 mortgages were made in Union County, North Carolina, in 2025, by 463 lenders. The median rate their borrowers got was 6.500% on a median loan of $315,000. Of 11,040 decisions, 2,260 were denials — 20.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 635 | 6.750% | $275,000 | 13.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 567 | 6.125% | $395,000 | 11.1% |
| STATE EMPLOYEES' | 418 | 6.500% | $125,000 | 30.3% |
| MOVEMENT MORTGAGE, LLC | 374 | 6.562% | $415,000 | 2.4% |
| Truist Bank | 321 | 6.625% | $205,000 | 27.9% |
| Bank of America, National Association | 318 | 6.240% | $205,000 | 34.1% |
| First-Citizens Bank & Trust Company | 225 | 6.250% | $175,000 | 21.5% |
| Fifth Third Bank, National Association | 220 | 7.495% | $125,000 | 28.2% |
| First National Bank of Pennsylvania | 182 | 6.250% | $345,000 | 23.1% |
| NVR Mortgage Finance, Inc. | 138 | 6.125% | $375,000 | 12.1% |
| Loandepot.Com, LLC | 133 | 6.625% | $245,000 | 18.3% |
| Fairway Independent Mortgage Corporation | 131 | 6.750% | $335,000 | 2.9% |
| Truliant Federal Credit Union | 129 | 7.250% | $115,000 | 50.4% |
| PENNYMAC LOAN SERVICES, LLC | 117 | 5.999% | $385,000 | 7.6% |
| American Security Mortgage Corp. | 117 | 6.490% | $455,000 | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 103 | 5.625% | $385,000 | 17.5% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 99 | 6.490% | $375,000 | 5.6% |
| PULTE MORTGAGE LLC | 87 | 5.625% | $325,000 | 12.1% |
| First Heritage Mortgage, LLC | 87 | 6.375% | $485,000 | 6.4% |
| SKYLA FEDERAL CREDIT UNION | 82 | 7.500% | $155,000 | 26.2% |
| MATTAMY HOME FUNDING, LLC | 81 | 5.500% | $415,000 | 5.8% |
| M/I FINANCIAL, LLC | 80 | 5.375% | $325,000 | 1.2% |
| FOUNDERS FEDERAL CREDIT UNION | 79 | 6.875% | $205,000 | 35.0% |
| JPMorgan Chase Bank, National Association | 78 | 6.375% | $475,000 | 8.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 78 | 6.375% | $380,000 | 10.2% |
| JET HOMELOANS, LP | 76 | 5.490% | $375,000 | 1.3% |
| SPRING EQ, LLC | 74 | 8.838% | $105,000 | 50.0% |
| FREEDOM MORTGAGE CORPORATION | 73 | 5.990% | $385,000 | 12.9% |
| NEWREZ LLC | 72 | 6.500% | $355,000 | 22.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 70 | 6.600% | $355,000 | 5.2% |
| NATIONSTAR MORTGAGE LLC | 70 | 8.875% | $125,000 | 13.3% |
| Navy Federal Credit Union | 69 | 8.200% | $145,000 | 20.7% |
| KBHS HOME LOANS, LLC | 67 | 5.875% | $385,000 | 8.2% |
| Wells Fargo Bank, National Association | 63 | 6.250% | $355,000 | 10.0% |
| Broker Solutions, Inc. | 59 | 6.625% | $355,000 | 14.1% |
| SouthState Bank, National Association | 59 | 6.590% | $325,000 | 25.0% |
| Regions Bank | 58 | 5.688% | $935,000 | 15.5% |
| AmeriSave Mortgage Corporation | 53 | 6.875% | $175,000 | 54.3% |
| PNC Bank, National Association | 51 | 7.350% | $145,000 | 37.7% |
| Mortgage Research Center, LLC | 50 | 6.250% | $420,000 | 24.2% |
| Third Federal Savings and Loan Association of Cleveland | 47 | 6.990% | $155,000 | 35.1% |
| FIGURE LENDING LLC | 43 | 10.450% | $65,000 | 27.4% |
| Citizens Bank, National Association | 43 | 7.400% | $205,000 | 20.4% |
| Coastal Community Bank | 42 | 10.115% | $95,000 | 3.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 42 | 7.220% | $220,000 | 10.6% |
| U.S. Bank National Association | 42 | 6.875% | $300,000 | 40.8% |
| Primis Mortgage Company | 42 | 6.687% | $330,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 41 | 6.625% | $305,000 | 8.5% |
| Alcova Mortgage LLC | 39 | 6.624% | $315,000 | 2.1% |
| TD Bank, National Association | 38 | 7.340% | $405,000 | 26.4% |
| CMG MORTGAGE, INC. | 38 | 6.375% | $435,000 | 9.6% |
| INSPIRE HOME LOANS INC. | 34 | 4.875% | $390,000 | 18.6% |
| BETTER MORTGAGE CORPORATION | 33 | 7.750% | $305,000 | 47.7% |
| THE LOAN STORE, INC. | 33 | 6.750% | $305,000 | 20.5% |
| Towne Bank | 32 | 6.495% | $330,000 | 15.0% |
| LOWER, LLC | 32 | 6.625% | $320,000 | 22.0% |
| ZILLOW HOME LOANS, LLC | 32 | 6.500% | $365,000 | 3.0% |
| ALLEGACY FEDERAL CREDIT UNION | 31 | 5.750% | $255,000 | 21.4% |
| GUILD MORTGAGE COMPANY | 30 | 6.562% | $420,000 | 7.9% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 30 | 6.188% | $390,000 | 0.0% |
| Taylor Morrison Home Funding, Inc. | 30 | 6.188% | $345,000 | 3.2% |
| Uwharrie Bank | 30 | 7.000% | $395,000 | 3.2% |
| Ixonia Bank | 28 | 6.875% | $385,000 | 3.5% |
| Atlantic Coast Mortgage, LLC | 27 | 6.749% | $295,000 | 0.0% |
| KIND LENDING, LLC | 26 | 6.750% | $345,000 | 31.6% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 26 | 6.590% | $360,000 | 0.0% |
| Kiavi Funding, Inc. | 25 | 9.700% | $235,000 | 13.3% |
| SHARONVIEW FEDERAL CREDIT UNION | 23 | 7.500% | $125,000 | 36.6% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 22 | 6.058% | $485,000 | 7.1% |
| GUARANTEED RATE AFFINITY, LLC | 22 | 6.188% | $415,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 21 | 6.625% | $275,000 | 62.5% |
| Commerce Home Mortgage, Inc. | 21 | 8.750% | $495,000 | 12.0% |
| Ameris Bank | 21 | 6.625% | $355,000 | 8.7% |
| RELIANCE FIRST CAPITAL, LLC | 21 | 6.750% | $245,000 | 0.0% |
| Lendage, LLC | 20 | 11.125% | $50,000 | 12.5% |
| FIRST COMMUNITY MORTGAGE, INC. | 20 | 6.433% | $465,000 | 8.0% |
| OriginPoint, LLC | 19 | 6.375% | $505,000 | 5.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 19 | 6.750% | $305,000 | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 19 | 10.120% | $205,000 | 5.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 19 | 6.750% | $405,000 | 0.0% |
| GUARANTEED RATE, INC. | 18 | 6.475% | $555,000 | 9.1% |
| PENTAGON FEDERAL CREDIT UNION | 18 | 7.750% | $335,000 | 48.7% |
| Pinnacle Bank | 18 | 7.500% | $165,000 | 44.1% |
| Plains Commerce Bank | 18 | 6.500% | $515,000 | 5.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 17 | 6.125% | $245,000 | 51.2% |
| Bethpage Federal Credit Union | 17 | 6.990% | $155,000 | 39.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 16 | 6.120% | $435,000 | 26.5% |
| LOCAL GOVERNMENT | 16 | 7.500% | $65,000 | 43.3% |
| PLAZA HOME MORTGAGE, INC. | 16 | 6.250% | $350,000 | 27.3% |
| TOWNE MORTGAGE COMPANY | 16 | 6.438% | $270,000 | 20.8% |
| Gateway First Bank | 16 | 6.875% | $390,000 | 0.0% |
| NBKC BANK | 16 | 6.063% | $445,000 | 15.8% |
| General Mortgage Capital Corporation | 16 | 6.750% | $370,000 | 0.0% |
| ENVOY MORTGAGE, LTD | 15 | 6.375% | $405,000 | 0.0% |
| United Community Bank | 14 | 6.500% | $290,000 | 33.3% |
| CORNERSTONE CAPITAL BANK, SSB | 14 | 5.433% | $370,000 | 0.0% |
| COASTAL Federal Credit Union | 13 | 7.350% | $255,000 | 37.9% |
| QUORUM FEDERAL CREDIT UNION | 13 | 9.375% | $125,000 | 26.1% |
| USAA Federal Savings Bank | 13 | 6.000% | $325,000 | 27.8% |
| First National Bank of America | 13 | 9.125% | $285,000 | 7.1% |
| Click n' Close, Inc. | 12 | 6.375% | $340,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 12 | 7.438% | $610,000 | 29.4% |
| CAROLINAS TELCO FEDERAL CREDIT UNION | 12 | 6.000% | $400,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 12 | 6.250% | $345,000 | 7.7% |
| American Airlines Federal Credit Union | 12 | 6.688% | $695,000 | 7.1% |
| Equity Prime Mortgage LLC | 11 | 6.625% | $345,000 | 26.7% |
| A&D Mortgage LLC | 11 | 7.990% | $285,000 | 15.4% |
| SUN WEST MORTGAGE COMPANY, INC. | 11 | 5.250% | $265,000 | 20.0% |
| Paramount Residential Mortgage Group, Inc. | 11 | 6.750% | $485,000 | 8.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 11 | 6.990% | $335,000 | 8.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 11 | 8.624% | $325,000 | 7.7% |
| DEEPHAVEN MORTGAGE LLC | 10 | 8.125% | $280,000 | 28.6% |
| The Huntington National Bank | 10 | 6.688% | $510,000 | 8.3% |
| Discover Bank | 9 | Under 10 loans | Under 10 loans | 83.9% |
| 254900M2C4Q6DATP2889 | 9 | Under 10 loans | Under 10 loans | 35.7% |
| PHH Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 9 | Under 10 loans | Under 10 loans | 15.4% |
| Peoples Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Northpointe Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 8 | Under 10 loans | Under 10 loans | 18.2% |
| AMWEST FUNDING CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Prosperity Home Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 8 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIANT CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 38.5% |
| CORNING CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 82.8% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 7 | Under 10 loans | Under 10 loans | 66.7% |
| NEXERA HOLDING LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 30.0% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CAPITAL CENTER, L.L.C. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 254900YZ174H294JW398 | 7 | Under 10 loans | Under 10 loans | 11.1% |
| FINANCE OF AMERICA REVERSE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 45.5% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 6 | Under 10 loans | Under 10 loans | 22.2% |
| First Horizon Bank | 6 | Under 10 loans | Under 10 loans | 40.0% |
| First Federal Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Loan Funder LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CANOPY MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Mortgage Right | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Tomo Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Citibank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| AMERIHOME MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENNAR MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| 894500CFQPXSLHK0OK52 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FBC MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 46.2% |
| MILEND, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 12.5% |
| ALLIED MORTGAGE GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST HOME MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CPM Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Bank OZK | 3 | Under 10 loans | Under 10 loans | 57.1% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LATINO COMMUNITY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 33.3% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 263 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in Union County
33 FDIC-insured branches from 12 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Truist Bank | 7 | $949.9 million |
| First-Citizens Bank & Trust Company | 4 | $543.6 million |
| Wells Fargo Bank, National Association | 3 | $436.9 million |
| Fifth Third Bank, National Association | 3 | $390.3 million |
| Bank of America, National Association | 3 | $301.2 million |
| American Bank of the Carolinas | 3 | $183.8 million |
| SouthState Bank, National Association | 3 | $115.4 million |
| First National Bank of Pennsylvania | 2 | $200.3 million |
| JPMorgan Chase Bank, National Association | 2 | $33.2 million |
| Pinnacle Bank | 1 | $165.7 million |
| PNC Bank, National Association | 1 | $23.8 million |
| Woodforest National Bank | 1 | $5.9 million |
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When the next year’s lending figures are out for Union County, or a lender arrives or leaves.
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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.