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Home / Mortgage Lenders / North Carolina / Concord
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Mortgage Lenders and Brokers in Concord, North Carolina

Content reviewed by Brian McKay Brian McKay Brian McKayFounder and Data Architect at MonitorBankRates.com. For over 18 years he has engineered proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio | iEditorial Disclosure Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships. | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Concord, North Carolina mortgage lenders include Uwharrie BankUwharrie Bank25 Palaside Dr Ne, Concord, NC 28025A+5.0 ★Texas Ratio: 0.72%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1255 Concord Pkwy N, Concord, NC 28025A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA368 George W Liles Pkwy Nw, Concord, NC 28027A+5.0 ★Texas Ratio: 4.14%, Fifth Third Bank, National AssociationFifth Third Bank, National Association871 Church St N, Concord, NC 28025A+5.0 ★Texas Ratio: 3.22%, Wells Fargo Bank NAWells Fargo Bank NA50 Union St N, Concord, NC 28025A+5.0 ★Texas Ratio: 5.36%, Truist BankTruist Bank818 Church St N, Concord, NC 28025A+5.0 ★Texas Ratio: 2.87%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust789 Highway 29 N, Concord, NC 28027A5.0 ★Texas Ratio: 7.72%, Pinnacle BankPinnacle Bank271 Copperfield Blvd Ne, Concord, NC 28025A+5.0 ★Texas Ratio: 3.04%, Farmers & Merchants BankFarmers & Merchants Bank635 Church St N, Concord, NC 28025A+5.0 ★Texas Ratio: 2.85%, and State Employees' Credit UnionState Employees' Credit Union60 RAIFORD DR NW, CONCORD, NC 28027A-5.0 ★Texas Ratio: 14.13%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Concord, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Concord are listed first, then lenders elsewhere in North Carolina, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Concord, North Carolina

Market share is the lender's share of all home loans closed in Concord, North Carolina. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

LenderProgramsLoans closedMarket shareApproval shareAverage loanView
Uwharrie Bank
1 office in Concord
25 Palaside Dr Ne, Concord, NC 28025
A+5.0 ★Texas Ratio: 0.72%
 Conventional, FHA, VA, Jumbo, HELOC 40
+13 HELOCs
 1.5% 100% $400,750 View
JPMorgan Chase Bank, NA
1 office in Concord
1255 Concord Pkwy N, Concord, NC 28025
A+5.0 ★Texas Ratio: 3.68%
 Conventional, FHA, Jumbo 31 1.2% 93.9% $367,903 View
Bank of America NA
2 offices in Concord
368 George W Liles Pkwy Nw, Concord, NC 28027
A+5.0 ★Texas Ratio: 4.14%
 Conventional, HELOC 30
+67 HELOCs
 1.2% 85.7% $344,000 View
Fifth Third Bank, National Association
2 offices in Concord
871 Church St N, Concord, NC 28025
A+5.0 ★Texas Ratio: 3.22%
 Conventional, FHA, Jumbo, HELOC 27
+49 HELOCs
 1% 68.3% $239,444 View
Wells Fargo Bank NA
2 offices in Concord
50 Union St N, Concord, NC 28025
A+5.0 ★Texas Ratio: 5.36%
 Conventional, FHA, VA 27 1% 79.4% $330,185 View
Truist Bank
★ 1 stars, 1 review
3 offices in Concord
818 Church St N, Concord, NC 28025
A+5.0 ★Texas Ratio: 2.87%
 Conventional, FHA, VA, Jumbo, HELOC 21
+33 HELOCs
 0.8% 95.5% $487,380 View
First Ciitizens Bank and Trust
2 offices in Concord
789 Highway 29 N, Concord, NC 28027
A5.0 ★Texas Ratio: 7.72%
 Conventional, FHA, HELOC 21
+25 HELOCs
 0.8% 95.5% $250,238 View
Pinnacle Bank
1 office in Concord
271 Copperfield Blvd Ne, Concord, NC 28025
A+5.0 ★Texas Ratio: 3.04%
 Conventional, FHA, HELOC 17
+11 HELOCs
 0.7% 70.8% $226,176 View
Farmers & Merchants Bank
1 office in Concord
635 Church St N, Concord, NC 28025
A+5.0 ★Texas Ratio: 2.85%
 Conventional 5 0.2% 83.3% $265,000 View
State Employees' Credit Union
60 RAIFORD DR NW, CONCORD, NC 28027
A-5.0 ★Texas Ratio: 14.13%
 Conventional, HELOC 101
+133 HELOCs
 3.9% 82.5% $307,277 View
First National Bank of PA
303 S Salem St, Apex, NC 27502
A+5.0 ★Texas Ratio: 1.62%
 Conventional, HELOC 60
+11 HELOCs
 2.3% 87% $255,500 View
Truliant Federal Credit Union
1055 E Dixie Dr, Asheboro, NC 27203
A5.0 ★Texas Ratio: 6.43%
 Conventional, HELOC 11
+31 HELOCs
 0.4% 36.8% $153,181 View
Skyla Federal Credit Union
148 Charlotte St, Asheville, NC 28801 1923
A5.0 ★Texas Ratio: 9.56%
 Conventional, HELOC 8
+15 HELOCs
 0.3% 90% $316,250 View
US Bank, N.A.
8334 Pineville Matthews Rd, Charlotte, NC 28226
A+5.0 ★Texas Ratio: 2.85%
 Conventional, Jumbo, HELOC 8
+2 HELOCs
 0.3% 47.4% $558,750 View
Coastal Federal Credit Union
Olive Chapel Village #131, Apex, NC 27502
A+5.0 ★Texas Ratio: 4.34%
 Conventional, HELOC 7
+3 HELOCs
 0.3% 77.8% $122,142
Southstate Bank, National Association
★ 5 stars, 1 review
192 E Woodrow Ave, Belmont, NC 28012
A+5.0 ★Texas Ratio: 2.27%
 Conventional, VA, HELOC 6
+5 HELOCs
 0.2% 100% $128,333 View
Regions Bank
1045 Providence Rd, Charlotte, NC 28207
A+5.0 ★Texas Ratio: 4.37%
 Conventional, FHA, HELOC 5
+1 HELOCs
 0.2% 70% $311,000 View
United Community Bank
732 Main St, Andrews, NC 28901
A+5.0 ★Texas Ratio: 2.97%
 Conventional, HELOC 4
+2 HELOCs
 0.2% 80% $455,000 View
Flagstar Bank NA
121 W Trade St Ste 1150, Charlotte, NC 28202
D3.3 ★Texas Ratio: 35.11%
 Conventional, FHA, VA 4 0.2% 66.7% $277,500 View
Ameris Bank
★ 4 stars, 1 review
6805 Carnegie Blvd, Charlotte, NC 28211
A+5.0 ★Texas Ratio: 1.82%
 Conventional 4 0.2% 100% $335,000 View
PNC Bank N.A.
★ 1.7 stars, 3 reviews
102 Church St E, Ahoskie, NC 27910
A+5.0 ★Texas Ratio: 4.24%
 Conventional, HELOC 3
+12 HELOCs
 0.1% 100% $488,333 View
First Bank
105 S Sandhills Blvd, Aberdeen, NC 28315
A+5.0 ★Texas Ratio: 1.94%
 Conventional, HELOC 3
+3 HELOCs
 0.1% 100% $598,333 View
Carolinas Telco FCU
2821 Crisman St, Charlotte, NC 28208
A+5.0 ★Texas Ratio: 3.27%
 Conventional, HELOC 3
+2 HELOCs
 0.1% 100% $435,000 View
Latino Community Credit Union
104 NC 54 Ste KK, Carrboro, NC 27510
A5.0 ★Texas Ratio: 6.08%
 Conventional 3 0.1% 80% $291,666 View
Huntington National Bank
101 S Tryon St, Charlotte, NC 28280
A+5.0 ★Texas Ratio: 3.66%
 Conventional, HELOC 2
+2 HELOCs
 0.1% 50% $485,000 View
First Horizon Bank
★ 5 stars, 1 review
5361 Us Highway 158, Advance, NC 27006
A+5.0 ★Texas Ratio: 5.76%
 Conventional, HELOC 2
+1 HELOCs
 0.1% 66.7% $410,000 View
HomeTrust Bank
192 Airport Rd, Arden, NC 28704
A+5.0 ★Texas Ratio: 5.53%
 Conventional 2 0.1% 100% $270,000 View
TD Bank
335 New Leicester Hwy, Asheville, NC 28806
A+5.0 ★Texas Ratio: 3.71%
 Conventional, Jumbo, HELOC 1
+5 HELOCs
 0% 100% $1,325,000 View
Peoples Bank
1117 Parkside Main St, Cary, NC 27519
A+5.0 ★Texas Ratio: 2.98%
 Conventional, HELOC 1
+2 HELOCs
 0% 100% $605,000 View
The Park National Bank
1127 Hendersonville Rd, Asheville, NC 28803
A5.0 ★Texas Ratio: 6.62%
 Conventional, HELOC 1
+2 HELOCs
 0% 100% $655,000 View
Servisfirst Bank
1200 Ridgefield Blvd, Asheville, NC 28806
A5.0 ★Texas Ratio: 8.75%
 Conventional, Jumbo 1 0% 100% $2,425,000 View
Southern First Bank
4064 Colony Rd, Charlotte, NC 28211
A+5.0 ★Texas Ratio: 3.08%
 Conventional 1 0% 100% $415,000 View
Skyline National Bank
1641 Blowing Rock Road, Boone, NC 28607
A+5.0 ★Texas Ratio: 3.31%
 Conventional 1 0% 100% $605,000 View
First Flight Federal Credit Union
1815 Kildaire Farm Rd, Cary, NC 27518
A+5.0 ★Texas Ratio: 3.28%
 Conventional 1 0% 100% $65,000 View
Summit Credit Union
8210 W Market St, Greensboro, NC 27409
A+5.0 ★Texas Ratio: 2.76%
 Conventional 1 0% 100% $155,000 View
Allegacy Federal Credit Union
128 Yadkin Valley Rd, Advance, NC 27006
A+5.0 ★Texas Ratio: 4.25%
 HELOC 0
+12 HELOCs
 0% 100% View
Civic FCU
1118 Academy St N, Ahoskie, NC 27910
F1.0 ★Texas Ratio: 75.00%
 HELOC 0
+10 HELOCs
 0% n/a View
Carter Bank and Trust
500 E Morehead St Ste 150, Charlotte, NC 28202
A5.0 ★Texas Ratio: 7.55%
 HELOC 0
+2 HELOCs
 0% n/a View
The Fidelity Bank
804 E Williams St, Apex, NC 27502
A+5.0 ★Texas Ratio: 3.02%
 HELOC 0
+1 HELOCs
 0% n/a View
American Security Mortgage Cor
 Conventional, FHA, VA 36 1.4% 94.9% $401,111
Cardinal Financial Company, Li
 Conventional, FHA, VA 9 0.3% 90.9% $282,777
Deephaven Mortgage LLC
 Conventional 1 0% 100% $185,000
Premier Lending Inc.
 FHA 1 0% 100% $315,000
Wolfe Financial Inc
 Conventional 1 0% 100% $295,000
United Wholesale Mortgage
 Conventional, FHA, VA, HELOC 371
+12 HELOCs
 14.3% 93.4% $432,978
Rocket Mortgage
 Conventional, FHA, VA, Jumbo 256 9.8% 81.4% $244,296
M/I Financial. LLC
 Conventional, FHA, VA 144 5.5% 100% $509,027
Movement Mortgage, LLC
 Conventional, FHA, VA, HELOC 101
+3 HELOCs
 3.9% 99.2% $345,198
Nvr Mortgage Finance, Inc.
 Conventional, FHA, VA 95 3.7% 76% $319,421
Pulte Mortgage LLC
 Conventional 47 1.8% 85.7% $562,659
Atlantic Bay Mortgage Group
 Conventional, FHA, VA 46 1.8% 100% $311,086
Pennymac Loan Services LLC
 Conventional, FHA, VA, Jumbo 42 1.6% 81.5% $400,952
Ixonia Bank
A+5.0 ★Texas Ratio: 2.14%
 Conventional, FHA, VA, USDA 41 1.6% 100% $342,073 View
Fairway Independent Mort Corp
 Conventional, FHA, VA 36 1.4% 100% $304,166
Navy Federal Credit Union
A5.0 ★Texas Ratio: 8.14%
 Conventional, VA, HELOC 34
+13 HELOCs
 1.3% 77.3% $325,294
CrossCountry Mortgage, LLC
 Conventional, FHA, VA, USDA, HELOC 30
+2 HELOCs
 1.2% 96.8% $373,000
Freedom Mortgage Corporation
 Conventional, FHA, VA 30 1.2% 83.7% $345,666
Mortgage Research Center
 VA 28 1.1% 68.3% $401,428
Zillow Home Loans, LLC
 Conventional, FHA, VA 28 1.1% 96.7% $345,000
ALCOVA Mortgage, LLC
 Conventional, FHA, VA 27 1% 96.7% $354,629
New American Funding, LLC.
 Conventional, FHA, VA, HELOC 25
+2 HELOCs
 1% 80.6% $248,600
Newrez LLC
 Conventional, FHA, VA 25 1% 76.5% $258,200
Guild Mortgage Company
 Conventional, FHA, VA 24 0.9% 100% $267,083
loanDepot.com LLC
 Conventional, FHA, VA, HELOC 23
+21 HELOCs
 0.9% 74.2% $291,521
Sofi Bank, National Association
A+5.0 ★Texas Ratio: 0.51%
 Conventional, FHA 21 0.8% 84% $219,285 View
Nationstar Mortgage
 Conventional, FHA 20 0.8% 84% $162,500
Spring Eq, LLC
 Conventional, HELOC 19
+9 HELOCs
 0.7% 44.2% $83,947
Amerisave Mortgage Company
 Conventional, FHA 17 0.7% 41.5% $137,352
Founders Federal Credit Union
A+5.0 ★Texas Ratio: 3.58%
 Conventional, HELOC 15
+3 HELOCs
 0.6% 88.2% $331,666
Provident Funding Associates
 Conventional 15 0.6% 100% $447,666
Mutual of Omaha Mortgage
 Conventional, FHA 15 0.6% 88.2% $351,000
Atlantic Coast Mortgage, LLC
 Conventional, FHA, VA 14 0.5% 100% $353,571
Howard Hanna Financial Services, Inc
 Conventional, FHA 13 0.5% 100% $399,615
Gateway First Bank
B+4.8 ★Texas Ratio: 17.16%
 Conventional, FHA, VA 13 0.5% 76.5% $221,153 View
Cmg Mortgage Inc
 Conventional, FHA, VA, Jumbo, HELOC 12
+1 HELOCs
 0.5% 100% $437,500
Primary Residential Mortgage, INC.
 Conventional, FHA 12 0.5% 80% $311,666
Better Mortgage Corporation
 Conventional, FHA, Jumbo, HELOC 11
+3 HELOCs
 0.4% 78.6% $330,454
Guaranteed Rate, Inc.
 Conventional, FHA, VA, HELOC 10
+1 HELOCs
 0.4% 83.3% $333,000
Guaranteed Rate Affinity, LLC
 Conventional, FHA, VA 10 0.4% 100% $241,000
Homeowners Financial Group, LLC
 Conventional 10 0.4% 100% $237,000
The Loan Store, Inc
 Conventional, FHA, HELOC 9
+2 HELOCs
 0.3% 100% $336,111
Sage Home Loans Corporation
 Conventional 9 0.3% 100% $480,555
Click n' Close, Inc.
 Conventional, FHA, VA 9 0.3% 100% $205,000
Reliance First Capital, LLC
 Conventional, FHA 9 0.3% 100% $302,777
Plaza Home Mortgage, Inc
 Conventional, FHA, VA 9 0.3% 90% $328,333
American Financial Resources LLC
 Conventional, FHA 8 0.3% 100% $285,000
Lakeview Loan Servicing, LLC
 Conventional, FHA, VA 8 0.3% 37.1% $315,000
Envoy Mortgage, Ltd
 Conventional, FHA 8 0.3% 100% $422,500
Discover Bank
 Conventional 8 0.3% 23.5% $106,250
Goodleap, LLC
 Conventional, FHA, VA, HELOC 7
+6 HELOCs
 0.3% 90% $173,571
Prosperity Home Mortgage, LLC
 Conventional, FHA, VA 7 0.3% 100% $323,571
Paramount Residential Mortgage
 Conventional, VA 7 0.3% 100% $555,000
Village Capital & Investment
 FHA, VA 7 0.3% 90.9% $475,000
American Airlines Federal Cred
 Conventional, HELOC 6
+3 HELOCs
 0.2% 100% $293,333
Northpointe Bank
A5.0 ★Texas Ratio: 8.47%
 Conventional, VA, HELOC 6
+2 HELOCs
 0.2% 75% $275,000 View
Nbkc Bank
 Conventional, FHA, VA 6 0.2% 100% $403,333
Capital Center LLC
 Conventional 6 0.2% 100% $258,333
Usaa Federal Savings Bank
B-3.5 ★Texas Ratio: 6.80%
 Conventional, VA 6 0.2% 75% $393,333 View
Third Federal Savings and Loan
A+5.0 ★Texas Ratio: 2.32%
 Conventional, HELOC 5
+4 HELOCs
 0.2% 50% $137,000 View
TowneBank
 Conventional, FHA, HELOC 5
+2 HELOCs
 0.2% 100% $273,000
Equity Prime Mortgage LLC
 FHA, VA 5 0.2% 83.3% $393,000
Kind Lending, LLC
 FHA, VA 5 0.2% 62.5% $431,000
PHH Mortgage Corporation
 Conventional, FHA, VA 5 0.2% 100% $351,000
Primis Bank
A5.0 ★Texas Ratio: 13.21%
 Conventional, FHA 5 0.2% 83.3% $271,000 View
Sun West Mortgage Company, Inc
 Conventional, VA 5 0.2% 75% $385,000
American Financing Corporation
 FHA 5 0.2% 63.6% $345,000
Union Home Mortgage Corp.
 Conventional, FHA 5 0.2% 100% $255,000
Planet Home Lending, LLC
 Conventional, FHA, VA 5 0.2% 100% $223,000
Lower, LLC
 Conventional, FHA 5 0.2% 100% $385,000
21St Mortgage
 Conventional 5 0.2% 20.7% $97,000
Residential Wholesale Mortgage
 Conventional, FHA 4 0.2% 100% $467,500
Everett Financial, Inc.
 Conventional 4 0.2% 100% $342,500
Success Lending, LLC
 Conventional, FHA 4 0.2% 80% $327,500
Guidance Residential, LLC
 Conventional 4 0.2% 100% $360,000
AmeriHome Mortgage Company, LLC
 Conventional, FHA 4 0.2% 100% $362,500
United Federal Credit Union
A+5.0 ★Texas Ratio: 2.15%
 Conventional 4 0.2% 100% $450,000 View
Carrington Mortgage Services LLC
 Conventional, FHA 4 0.2% 58.3% $300,000
Tomo Mortgage LLC
 Conventional, VA 4 0.2% 100% $377,500
Pentagon Federal Credit Union
 Conventional, FHA, VA, HELOC 3
+7 HELOCs
 0.1% 75% $485,000
Premia Mortgage, LLC
A5.0 ★Texas Ratio: 13.21%
 Conventional 3 0.1% 100% $488,333 View
First Community Mortgage, Inc.
A+5.0 ★Texas Ratio: 3.36%
 Conventional, FHA 3 0.1% 100% $335,000 View
Royal United Mortgage LLC
 Conventional 3 0.1% 100% $131,666
AdvantageFirst Lending Inc
 FHA 3 0.1% 75% $321,666
American Financial Network, Inc.
 Conventional, FHA 3 0.1% 100% $355,000
Ocmbc, Inc.
A+5.0 ★Texas Ratio: 5.05%
 Conventional, FHA 3 0.1% 100% $428,333 View
First Heritage Mortgage, LLC
 FHA, VA 3 0.1% 75% $491,666
New Day Financial, LLC.
 VA 3 0.1% 75% $318,333
Churchill Mortgage Corporation
 Conventional, VA 3 0.1% 100% $405,000
Encompass Lending Group, L.P.
 Conventional, FHA, VA 3 0.1% 100% $411,666
Castle & Cooke Mortgage, LLC
 FHA, VA 3 0.1% 100% $218,333
Inspire Home Loans Inc.
 Conventional, FHA 3 0.1% 100% $508,333
New Story Lending LLC
 Conventional, VA 3 0.1% 100% $395,000
HomeBridge Financial Services, Inc
 VA, HELOC 2
+5 HELOCs
 0.1% 100% $370,000
Premier Mortgage Resources, LLC
 Conventional 2 0.1% 100% $450,000
Primelending
 FHA 2 0.1% 100% $310,000
Gold Star Mortgage Financial Group, Corporation
 Conventional, FHA 2 0.1% 100% $265,000
Presidential Bank, FSB
A-4.9 ★Texas Ratio: 16.48%
 Conventional 2 0.1% 100% $175,000 View
Allied Mortgage Group, Inc
 Conventional, FHA 2 0.1% 100% $265,000
M&T Bank
A+5.0 ★Texas Ratio: 4.11%
 Conventional, VA 2 0.1% 66.7% $400,000 View
Filo Mortgage, LLC
 Conventional 2 0.1% 100% $405,000
Fidelity Direct Mortgage, LLC
 Conventional, FHA 2 0.1% 100% $175,000
Bayshore Mortgage Funding
 FHA, VA 2 0.1% 100% $340,000
Developer's Mortgage Company
 Conventional 2 0.1% 100% $470,000
Intercoastal Mortgage, LLC
 Conventional 2 0.1% 100% $365,000
ClearPath Lending
 VA 2 0.1% 100% $305,000
Bay Equity LLC
 Conventional, FHA 2 0.1% 100% $315,000
Kwik Mortgage Corporation
 Conventional 2 0.1% 100% $285,000
Nfm, Inc
 Conventional 2 0.1% 100% $545,000
Ladera Lending, Inc.
A+5.0 ★Texas Ratio: 0.22%
 Conventional 2 0.1% 100% $130,000 View
Teachers Federal Credit Union
 Conventional 2 0.1% 100% $360,000
Direct Mortgage Loans, LLC
 Conventional, FHA 2 0.1% 100% $500,000
Integrity Home Mortgage Corporation
 Conventional, VA 2 0.1% 100% $295,000
Sierra Pacific Mortgage Co. Inc
 Conventional 2 0.1% 100% $350,000
American Pacific Mortgage Corporation
 Conventional, VA 2 0.1% 100% $300,000
Rapid Mortgage Company
 Conventional, FHA 2 0.1% 100% $420,000
Change Lending
A+5.0 ★Texas Ratio: 3.68%
 Conventional 2 0.1% 100% $325,000 View
Milend, Inc
 FHA 2 0.1% 75% $365,000
Empeople Credit Union
A+5.0 ★Texas Ratio: 5.75%
 Conventional 2 0.1% 100% $185,000
Victorian Finance, LLC
 Conventional 2 0.1% 100% $560,000
Acopia, LLC
 Conventional 2 0.1% 100% $140,000
Digital Federal Credit Union
 Conventional 2 0.1% 66.7% $155,000
Jams-01 Inc dba Home Savings & Trust Mortgage
 Conventional 2 0.1% 100% $410,000
First National Bank of America
B-4.3 ★Texas Ratio: 23.12%
 Conventional 2 0.1% 100% $345,000 View
Texana Bank
 Conventional, FHA 2 0.1% 100% $245,000
Loan Simple, Inc.
 FHA 2 0.1% 100% $295,000
Citizens Bank, NA
A+5.0 ★Texas Ratio: 5.44%
 Conventional, HELOC 1
+12 HELOCs
 0% 100% $105,000 View
Bank Ozk
 Conventional, HELOC 1
+5 HELOCs
 0% 100% $165,000
Valon Mortgage
A+5.0 ★Texas Ratio: 3.19%
 Conventional, HELOC 1
+3 HELOCs
 0% 50% $405,000 View
Citibank, NA
A+5.0 ★Texas Ratio: 2.82%
 Conventional, Jumbo, HELOC 1
+1 HELOCs
 0% 100% $975,000 View
Alliant Credit Union
A+5.0 ★Texas Ratio: 3.22%
 Conventional 1 0% 100% $345,000 View
A&D Mortgage LLC
A+5.0 ★Texas Ratio: 4.11%
 Conventional 1 0% 100% $445,000 View
Cornerstone First Mortgage, LLC
 Conventional 1 0% 100% $365,000
Alameda Mortgage Corporation
 VA 1 0% 100% $285,000
MortgageOne, Inc
 VA 1 0% 100% $525,000
All Credit Considered Mortgage, Inc.
 Conventional 1 0% 100% $225,000
Brighton Bank
 VA 1 0% 100% $335,000
Dart Bank
 Conventional 1 0% 100% $505,000
Langley Federal Credit Union
A5.0 ★Texas Ratio: 10.20%
 Conventional 1 0% 100% $395,000
Loanunited.Com, LLC
 VA 1 0% 50% $535,000
City National Bank of WV
A+5.0 ★Texas Ratio: 1.47%
 Conventional 1 0% 100% $305,000 View
Resicentral LLC
 Conventional 1 0% 100% $285,000
Synergy One Lending, Inc.
 FHA 1 0% 100% $305,000
General Mortgage Capital Corporation
 Conventional 1 0% 100% $275,000
Cornerstone Capital Bank, Ssb
A+5.0 ★Texas Ratio: 3.21%
 Conventional 1 0% 100% $515,000 View
Homestead Funding Corp.
 Conventional 1 0% 100% $315,000
Plus Relocation Mortgage, LLC
 Conventional 1 0% 100% $615,000
Bay-Valley Mortgage Group
 FHA 1 0% 100% $275,000
First Alliance Home Mortgage, LLC
 Conventional 1 0% 100% $305,000
Credit Union Mortgage Associat
 VA 1 0% 100% $495,000
Nation One Mortgage Corporatio
 Conventional 1 0% 100% $265,000
Bank Fund Staff Federal Credit
 Conventional 1 0% 100% $285,000
Flexpoint, Inc.
 Conventional, Jumbo 1 0% 100% $1,045,000
Credit Human Federal Credit Un
 Conventional 1 0% 5.6% $75,000
Farmers & Merchants Savings Bank
A5.0 ★Texas Ratio: 9.19%
 Conventional 1 0% 100% $265,000 View
Schumacher Mortgage LLC
 Conventional 1 0% 100% $565,000
VanDyk Mortgage Corporation
 FHA 1 0% 100% $535,000
CorePlus Federal Credit Union
 Conventional 1 0% 100% $205,000
Federated Mortgage Corp
 Conventional 1 0% 100% $535,000
United Premier Funding LLC
 Conventional 1 0% 100% $245,000
SIRVA Mortgage, Inc.
 Conventional 1 0% 100% $355,000
Strong Home Mortgage, LLC
 FHA 1 0% 100% $435,000
Legend Lending Corporation
 VA 1 0% 100% $435,000
Mid-Continent Funding, Inc.
 VA 1 0% 100% $395,000
American Heritage Lending, LLC
 Conventional 1 0% 100% $235,000
Aurora Financial, LLC
 VA 1 0% 100% $595,000
Highlands Residential Mortgage, Ltd.
 FHA 1 0% 100% $245,000
Weichert Financial Services
 FHA 1 0% 100% $425,000
First State Bank
A+5.0 ★Texas Ratio: 0.00%
 Conventional 1 0% 100% $255,000 View
Elements Financial Federal Cre
 Conventional 1 0% 100% $375,000
MassMutual FCU
 Conventional 1 0% 100% $185,000
Calcon Mutual Mortgage LLC
 Conventional 1 0% 50% $525,000
First International Bank & Trust
 Conventional 1 0% 100% $275,000
Suncoast Credit Union
 Conventional 1 0% 100% $245,000
Southern Trust Mortgage, LLC
A4.7 ★Texas Ratio: 0.83%
 Conventional 1 0% 100% $475,000 View
T2 Financial LLC
 FHA 1 0% 50% $325,000
Armed Forces Bank, N.A.
A+5.0 ★Texas Ratio: 4.81%
 VA 1 0% 100% $385,000 View
Waterstone Mortgage Corporation
 Conventional 1 0% 100% $465,000
Tech Credit Union
 Conventional 1 0% 100% $335,000
Lendsure Mortgage Corp.
 Conventional 1 0% 100% $275,000
Tjc Mortgage Inc
 VA 1 0% 100% $595,000
Uif Corporation
 Conventional 1 0% 100% $805,000
Radius Financial Group Inc
 Conventional 1 0% 100% $495,000
Mortgage Solutions of Colorado
 VA 1 0% 100% $735,000
Keystone Funding, Inc
 Conventional 1 0% 100% $305,000
Firstbank
A5.0 ★Texas Ratio: 7.51%
 VA 1 0% 100% $595,000 View
Nations Direct Mortgage, LLC
 FHA 1 0% 100% $315,000
ClearEdge Lending LLC
 Conventional 1 0% 100% $235,000
Nmsi, Inc.
 Conventional 1 0% 100% $315,000
Magnolia Bank
A-5.0 ★Texas Ratio: 14.97%
 VA 1 0% 100% $375,000 View
United Nations Federal CU
 Conventional 1 0% 50% $485,000
The Federal Savings Bank
B+4.8 ★Texas Ratio: 16.98%
 Conventional 1 0% 66.7% $375,000 View
Nexera Holding LLC
 FHA 1 0% 50% $245,000
Vanderbilt Mortgage and Finance, Inc
 Conventional 1 0% 4.3% $115,000
Plains Commerce Bank
A5.0 ★Texas Ratio: 9.09%
 VA 1 0% 100% $525,000 View
Ark-La-Tex Financial Services LLC
 Conventional 1 0% 100% $195,000
Top Flite Financial, Inc.
 FHA 1 0% 100% $275,000
Vista Point Mortgage, LLC
 Conventional 1 0% 100% $645,000
Champions Funding, LLC
 Conventional 1 0% 33.3% $705,000
American Neighborhood Mortgage Acceptance Company
 FHA 1 0% 100% $195,000
Figure Lending LLC
 HELOC 0
+16 HELOCs
 0% n/a
Coastal Community Bank
B4.5 ★Texas Ratio: 20.96%
 HELOC 0
+15 HELOCs
 0% n/a View
Lendage, LLC dba Achieve Loans
 HELOC 0
+11 HELOCs
 0% n/a
Sharonview Federal CU
 HELOC 0
+7 HELOCs
 0% n/a
Fourleaf Federal Credit Union
 HELOC 0
+2 HELOCs
 0% n/a
Corning Credit Union
 HELOC 0
+2 HELOCs
 0% n/a
Georgia'S Own Credit Union
 HELOC 0
+1 HELOCs
 0% n/a
Fulton Bank, National Association
A+5.0 ★Texas Ratio: 4.85%
 HELOC 0
+1 HELOCs
 0% n/a View
Tower Federal Credit Union
 HELOC 0
+1 HELOCs
 0% n/a
Usalliance Federal Credit Union
 HELOC 0
+1 HELOCs
 0% n/a
Bank of Bartlett
A-4.9 ★Texas Ratio: 16.60%
 HELOC 0
+1 HELOCs
 0% n/a View
Connexus Credit Union
 HELOC 0
+1 HELOCs
 0% n/a
Citizens Equity First Credit U
 HELOC 0
+1 HELOCs
 0% n/a
FedChoice Federal Credit Union
 HELOC 0
+1 HELOCs
 0% n/a
Delta Community Credit Union
 HELOC 0
+1 HELOCs
 0% n/a
Affinity Federal Credit Union
 HELOC 0
+1 HELOCs
 0% n/a
Hanscom Federal Credit Union
 HELOC 0
+1 HELOCs
 0% n/a
Angel Oak Mortgage Solutions LLC
 HELOC 0
+1 HELOCs
 0% n/a
Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Mortgage Lenders and Mortgage Brokers Near Me in Concord, North Carolina

Looking for mortgage lenders near me or mortgage brokers near me in Concord? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Concord in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Concord, NC

Use these to narrow the list above. Each category shows how many Concord, NC lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 150 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 66 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 41 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 96 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 74 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 2 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 13 lenders. Loans above the conforming limit for higher priced homes Local lenders based in NC 23 lenders headquartered in North Carolina, the closest thing to a mortgage lender near you

Who Lends in Concord, NC

Independent mortgage companies closed 73.5 percent of home loans in Concord, North Carolina in 2025, banks 18.3 percent and credit unions 8.2 percent. American Security Mortgage Cor was the largest mortgage company, Uwharrie Bank the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, Uwharrie Bank led with 40 loans.

73.5%
Mortgage companies
18.3%
Banks
8.2%
Credit unions
16%
FHA loans
9%
VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

An attorney must handle the closing in North Carolina. State excise (transfer) tax of $1 per $500 of price, customarily paid by the seller, plus an additional 1 percent land transfer tax in seven northeastern counties (Camden, Chowan, Currituck, Dare, Pasquotank, Perquimans, Washington); no mortgage recording tax.

More North Carolina Mortgage Lender Pages

All North Carolina lenders 1,003 lenders Charlotte 471 lendersRaleigh 368 lendersDurham 327 lendersGreensboro 278 lendersFayetteville 241 lendersWinston-Salem 268 lendersCary 268 lendersFuquay-Varina 224 lendersApex 197 lendersGastonia 197 lendersWilmington 221 lendersHigh Point 204 lenders

Frequently Asked Questions About Mortgage Lenders in Concord, NC

Who is the largest mortgage lender in Concord, NC?

By home loans closed in 2025, Uwharrie Bank was the largest mortgage lender in Concord, North Carolina with 40 loans, about 1.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Concord, NC have the highest approval rates?

Among lenders with meaningful volume in Concord, North Carolina, M/I Financial. LLC approved the highest share of completed applications in 2025 at 100 percent, against a 83.5 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Concord, NC mortgage lenders offer FHA, VA and USDA loans?

96 lenders closed FHA loans in Concord, North Carolina in 2025, led by Rocket Mortgage with 50. 74 lenders closed VA loans, led by United Wholesale Mortgage, and 2 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Concord, NC lender list?

Yes. 66 banks and 41 credit unions closed home loans in Concord, North Carolina in 2025, alongside 150 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Concord, NC ranked on this page?

Lenders are ranked only by the number of home loans they closed in Concord, North Carolina during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Concord, North Carolina for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Concord. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.