☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / North Carolina / Kannapolis

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Kannapolis, North Carolina

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Kannapolis, North Carolina mortgage lenders include Truist BankTruist Bank970 S Cannon Blvd, Kannapolis, NC 28083A+5.0 ★Texas Ratio: 2.87%, Wells Fargo Bank NAWells Fargo Bank NA704 N Cannon Blvd, Kannapolis, NC 28083A+5.0 ★Texas Ratio: 5.36%, Fifth Third Bank, National AssociationFifth Third Bank, National Association606 S Main St, Kannapolis, NC 28081A+5.0 ★Texas Ratio: 3.22%, Bank of America NABank of America NA2271 Spider Dr, Kannapolis, NC 28083A+5.0 ★Texas Ratio: 4.14%, Farmers & Merchants BankFarmers & Merchants Bank2975 Dale Earnhardt Blvd, Kannapolis, NC 28083A+5.0 ★Texas Ratio: 2.85%, First BankFirst Bank421 S Main St, Kannapolis, NC 28081A+5.0 ★Texas Ratio: 1.94%, State Employees' Credit UnionState Employees' Credit Union2312 COLDWATER RIDGE DR, KANNAPOLIS, NC 28083A-5.0 ★Texas Ratio: 14.13%, First National Bank of PAFirst National Bank of PA303 S Salem St, Apex, NC 27502A+5.0 ★Texas Ratio: 1.62%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1007 Beaver Creek Commons Dr, Apex, NC 27502A+5.0 ★Texas Ratio: 3.68%, and Uwharrie BankUwharrie Bank800 Highway 24 27 Bypass, Albemarle, NC 28001A+5.0 ★Texas Ratio: 0.72%. 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 Kannapolis, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Kannapolis 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 Kannapolis, North Carolina

Market share is the lender's share of all home loans closed in Kannapolis, 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.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
Truist Bank ★ 1 stars, 1 review 1 office in Kannapolis 970 S Cannon Blvd, Kannapolis, NC 28083 A+5.0 ★Texas Ratio: 2.87%	Conventional, VA, Jumbo, HELOC	17 +25 HELOCs	1%	90%	$506,764	View
Wells Fargo Bank NA 1 office in Kannapolis 704 N Cannon Blvd, Kannapolis, NC 28083 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA	16	1%	84.2%	$230,625	View
Fifth Third Bank, National Association 1 office in Kannapolis 606 S Main St, Kannapolis, NC 28081 A+5.0 ★Texas Ratio: 3.22%	Conventional, FHA, HELOC	15 +39 HELOCs	0.9%	69.6%	$209,666	View
Bank of America NA 1 office in Kannapolis 2271 Spider Dr, Kannapolis, NC 28083 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	15 +24 HELOCs	0.9%	78.9%	$285,000	View
Farmers & Merchants Bank 1 office in Kannapolis 2975 Dale Earnhardt Blvd, Kannapolis, NC 28083 A+5.0 ★Texas Ratio: 2.85%	Conventional	3	0.2%	75%	$155,000	View
First Bank 1 office in Kannapolis 421 S Main St, Kannapolis, NC 28081 A+5.0 ★Texas Ratio: 1.94%	Conventional, HELOC	2 +3 HELOCs	0.1%	100%	$470,000	View
State Employees' Credit Union 2312 COLDWATER RIDGE DR, KANNAPOLIS, NC 28083 A-5.0 ★Texas Ratio: 14.13%	Conventional, HELOC	74 +99 HELOCs	4.4%	77.1%	$267,837	View
First National Bank of PA 303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62%	Conventional, HELOC	23 +5 HELOCs	1.4%	82.1%	$182,391	View
JPMorgan Chase Bank, NA 1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	22	1.3%	100%	$318,181	View
Uwharrie Bank 800 Highway 24 27 Bypass, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 0.72%	Conventional, FHA, HELOC	14 +6 HELOCs	0.8%	100%	$307,857	View
Truliant Federal Credit Union 1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43%	Conventional, HELOC	12 +15 HELOCs	0.7%	56%	$203,333	View
Ameris Bank ★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82%	Conventional, FHA	12	0.7%	92.3%	$229,166	View
First Ciitizens Bank and Trust 351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72%	Conventional, HELOC	11 +14 HELOCs	0.7%	81.2%	$245,000	View
Skyla Federal Credit Union 148 Charlotte St, Asheville, NC 28801 1923 A5.0 ★Texas Ratio: 9.56%	Conventional, HELOC	7 +10 HELOCs	0.4%	77.8%	$260,714	View
Pinnacle Bank 103 N 2nd St, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 3.04%	Conventional, Jumbo, HELOC	7 +7 HELOCs	0.4%	87.5%	$297,857	View
US Bank, N.A. 8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA, HELOC	7 +3 HELOCs	0.4%	77.8%	$332,142	View
Southstate Bank, National Association ★ 5 stars, 1 review 192 E Woodrow Ave, Belmont, NC 28012 A+5.0 ★Texas Ratio: 2.27%	Conventional, Jumbo, HELOC	7 +1 HELOCs	0.4%	100%	$313,571	View
Latino Community Credit Union 104 NC 54 Ste KK, Carrboro, NC 27510 A5.0 ★Texas Ratio: 6.08%	Conventional	4	0.2%	100%	$267,500	View
Huntington National Bank 101 S Tryon St, Charlotte, NC 28280 A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, HELOC	3 +4 HELOCs	0.2%	100%	$488,333	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, FHA, HELOC	2 +7 HELOCs	0.1%	100%	$380,000	View
Coastal Federal Credit Union Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34%	Conventional, HELOC	2 +4 HELOCs	0.1%	75%	$115,000
First Horizon Bank ★ 5 stars, 1 review 5361 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.76%	Conventional, HELOC	2 +2 HELOCs	0.1%	100%	$245,000	View
Carolinas Telco FCU 2821 Crisman St, Charlotte, NC 28208 A+5.0 ★Texas Ratio: 3.27%	Conventional, HELOC	2 +2 HELOCs	0.1%	100%	$215,000	View
Allegacy Federal Credit Union 128 Yadkin Valley Rd, Advance, NC 27006 A+5.0 ★Texas Ratio: 4.25%	Conventional, HELOC	1 +8 HELOCs	0.1%	100%	$245,000	View
Peoples Bank 1117 Parkside Main St, Cary, NC 27519 A+5.0 ★Texas Ratio: 2.98%	Conventional, HELOC	1 +5 HELOCs	0.1%	100%	$235,000	View
TD Bank 335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$605,000	View
Regions Bank 1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$1,785,000	View
Southern First Bank 4064 Colony Rd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 3.08%	Conventional	1	0.1%	100%	$225,000	View
Skyline National Bank 1641 Blowing Rock Road, Boone, NC 28607 A+5.0 ★Texas Ratio: 3.31%	Conventional	1	0.1%	100%	$185,000	View
United Community Bank 732 Main St, Andrews, NC 28901 A+5.0 ★Texas Ratio: 2.97%	HELOC	0 +5 HELOCs	0%	n/a		View
Civic FCU 1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00%	HELOC	0 +3 HELOCs	0%	n/a		View
American Security Mortgage Cor	Conventional, FHA, VA	25	1.5%	100%	$323,800
Cardinal Financial Company, Li	Conventional	4	0.2%	100%	$435,000
Premier Lending Inc.	Conventional, FHA	2	0.1%	100%	$270,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	209 +3 HELOCs	12.5%	90.3%	$380,933
Rocket Mortgage	Conventional, FHA, VA, Jumbo	157	9.4%	84.3%	$243,152
Movement Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	75 +5 HELOCs	4.5%	96.5%	$312,066
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	47 +1 HELOCs	2.8%	82.8%	$311,595
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA, VA, USDA	40	2.4%	95.3%	$324,250	View
ALCOVA Mortgage, LLC	Conventional, FHA, VA	36	2.1%	100%	$312,500
CrossCountry Mortgage, LLC	Conventional, FHA, VA	35	2.1%	100%	$335,000
Atlantic Bay Mortgage Group	Conventional, FHA, VA, Jumbo	34	2%	100%	$294,705
Freedom Mortgage Corporation	FHA, VA	33	2%	92.1%	$304,393
Mattamy Home Funding LLC	Conventional, FHA	28	1.7%	93.3%	$296,785
Mortgage Research Center	VA	27	1.6%	83.3%	$306,851
Nvr Mortgage Finance, Inc.	Conventional, FHA, VA	26	1.6%	65%	$265,000
Lennar Mortgage, LLC	Conventional, FHA	24	1.4%	92.3%	$354,583
Fairway Independent Mort Corp	Conventional, FHA, VA	22	1.3%	92%	$257,272
New American Funding, LLC.	Conventional, FHA, VA	21	1.3%	100%	$225,952
Pennymac Loan Services LLC	Conventional, FHA, VA	20	1.2%	76.9%	$295,000
DHI Mortgage Company, LTD.	Conventional	20	1.2%	87%	$475,500
Inspire Home Loans Inc.	Conventional, FHA, VA	19	1.1%	100%	$446,578
Mutual of Omaha Mortgage	Conventional, FHA	18	1.1%	85.7%	$271,111
Guild Mortgage Company	Conventional, FHA	17	1%	100%	$211,470
Amerisave Mortgage Company	Conventional, FHA	14	0.8%	41.2%	$138,571
Zillow Home Loans, LLC	Conventional, FHA	14	0.8%	100%	$272,857
Howard Hanna Financial Services, Inc	Conventional, FHA, VA, Jumbo	13	0.8%	100%	$442,692
Nationstar Mortgage	Conventional, FHA, VA	13	0.8%	81.2%	$155,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	12 +7 HELOCs	0.7%	72.2%	$250,000
TowneBank	Conventional, FHA, HELOC	12 +3 HELOCs	0.7%	100%	$164,166
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional, FHA, VA	12	0.7%	92.3%	$271,666	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	12	0.7%	92.9%	$181,666	View
Spring Eq, LLC	Conventional, HELOC	11 +10 HELOCs	0.7%	47.8%	$98,636
Atlantic Coast Mortgage, LLC	Conventional, FHA	11	0.7%	100%	$300,454
Lakeview Loan Servicing, LLC	Conventional, FHA	11	0.7%	76.5%	$375,000
Founders Federal Credit Union A+5.0 ★Texas Ratio: 3.58%	Conventional, HELOC	10 +1 HELOCs	0.6%	66.7%	$220,000
Newrez LLC	Conventional, FHA, VA	9	0.5%	41.7%	$201,666
Cmg Mortgage Inc	Conventional, FHA, USDA	9	0.5%	100%	$347,222
Click n' Close, Inc.	Conventional, FHA	8	0.5%	100%	$160,000
Union Home Mortgage Corp.	Conventional, FHA	8	0.5%	100%	$303,750
M/I Financial. LLC	Conventional	8	0.5%	100%	$608,750
Carrington Mortgage Services LLC	Conventional, FHA	8	0.5%	90.9%	$173,750
Primary Residential Mortgage, INC.	Conventional, FHA	7	0.4%	87.5%	$309,285
Envoy Mortgage, Ltd	Conventional, FHA, VA	7	0.4%	100%	$266,428
American Financial Network, Inc.	Conventional, FHA	7	0.4%	100%	$279,285
The Loan Store, Inc	Conventional, HELOC	6 +2 HELOCs	0.4%	87.5%	$350,000
Guaranteed Rate Affinity, LLC	Conventional, FHA	6	0.4%	100%	$330,000
Guaranteed Rate, Inc.	Conventional, FHA	6	0.4%	85.7%	$398,333
Goodleap, LLC	Conventional, FHA	6	0.4%	100%	$256,666
Nbkc Bank	Conventional	6	0.4%	85.7%	$343,333
Integrity Home Mortgage Corporation	Conventional, FHA	6	0.4%	100%	$408,333
Reliance First Capital, LLC	Conventional, FHA, VA	6	0.4%	100%	$245,000
Village Capital & Investment	FHA, VA	6	0.4%	81.8%	$286,666
Kind Lending, LLC	Conventional, FHA	5	0.3%	83.3%	$391,000
Homeowners Financial Group, LLC	Conventional	5	0.3%	100%	$171,000
Mortgage Solutions of Colorado	FHA, VA	5	0.3%	100%	$311,000
American Financial Resources LLC	Conventional, FHA, VA	4	0.2%	100%	$310,000
Sage Home Loans Corporation	Conventional	4	0.2%	100%	$472,500
Equity Prime Mortgage LLC	FHA, VA	4	0.2%	80%	$325,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional, FHA	4	0.2%	100%	$265,000	View
Discover Bank	Conventional	4	0.2%	30.8%	$70,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, FHA	4	0.2%	100%	$205,000	View
RoundPoint Mortgage Servicing LLC	Conventional	4	0.2%	80%	$162,500
Champions Funding, LLC	Conventional	4	0.2%	100%	$347,500
Better Mortgage Corporation	Conventional, HELOC	3 +2 HELOCs	0.2%	50%	$235,000
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 3.36%	Conventional, FHA	3	0.2%	100%	$371,666	View
Royal United Mortgage LLC	Conventional	3	0.2%	75%	$101,666
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	Conventional, FHA	3	0.2%	100%	$268,333	View
Taylor Morrison Home Funding, Inc.	Conventional, VA	3	0.2%	75%	$711,666
Loansteady LLC	FHA, VA	3	0.2%	100%	$275,000
AmeriHome Mortgage Company, LLC	FHA	3	0.2%	100%	$348,333
PHH Mortgage Corporation	Conventional, VA	3	0.2%	100%	$321,666
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	3	0.2%	100%	$218,333	View
Kwik Mortgage Corporation	Conventional	3	0.2%	100%	$268,333
Nfm, Inc	Conventional	3	0.2%	100%	$208,333
New Day Financial, LLC.	VA	3	0.2%	60%	$231,666
Vanderbilt Mortgage and Finance, Inc	Conventional	3	0.2%	30%	$285,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$300,000	View
Primelending	Conventional	2	0.1%	100%	$355,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	2	0.1%	100%	$655,000	View
Allied Mortgage Group, Inc	Conventional	2	0.1%	100%	$340,000
AdvantageFirst Lending Inc	FHA	2	0.1%	100%	$275,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	2	0.1%	100%	$155,000	View
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional	2	0.1%	50%	$435,000	View
Credit Union Mortgage Associat	Conventional	2	0.1%	66.7%	$215,000
Intercoastal Mortgage, LLC	Conventional, Jumbo	2	0.1%	100%	$1,030,000
ClearPath Lending	VA	2	0.1%	100%	$430,000
Bay Equity LLC	Conventional, FHA	2	0.1%	100%	$270,000
United Premier Funding LLC	Conventional	2	0.1%	100%	$445,000
Highlands Residential Mortgage, Ltd.	Conventional	2	0.1%	100%	$425,000
Corning Credit Union	Conventional	2	0.1%	100%	$250,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	2	0.1%	100%	$240,000	View
Churchill Mortgage Corporation	Conventional	2	0.1%	100%	$270,000
Planet Home Lending, LLC	FHA, VA	2	0.1%	50%	$355,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional, FHA	2	0.1%	100%	$280,000	View
Citadel Servicing Corporation	Conventional	2	0.1%	100%	$275,000
Lower, LLC	FHA	2	0.1%	66.7%	$335,000
Texana Bank	FHA	2	0.1%	100%	$400,000
Plaza Home Mortgage, Inc	FHA	2	0.1%	50%	$400,000
Tomo Mortgage LLC	Conventional	2	0.1%	100%	$255,000
Bank Ozk	Conventional, HELOC	1 +2 HELOCs	0.1%	66.7%	$205,000
Pentagon Federal Credit Union	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$205,000
United Federal Credit Union A+5.0 ★Texas Ratio: 2.15%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$55,000	View
Bank of England A5.0 ★Texas Ratio: 6.45%	FHA	1	0.1%	100%	$385,000	View
EMM Loans LLC	Conventional	1	0.1%	50%	$235,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	VA	1	0.1%	100%	$295,000	View
Premier Mortgage Resources, LLC	FHA	1	0.1%	100%	$195,000
Contour Mortgage Corporation	Conventional	1	0.1%	100%	$195,000
Everett Financial, Inc.	Conventional	1	0.1%	100%	$695,000
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	Conventional	1	0.1%	100%	$295,000	View
Dollar Bank, FSB A+5.0 ★Texas Ratio: 5.29%	Conventional	1	0.1%	100%	$605,000	View
Resicentral LLC	Conventional	1	0.1%	100%	$155,000
Fidelity Direct Mortgage, LLC	Conventional	1	0.1%	100%	$275,000
City Lending Inc.	Conventional	1	0.1%	100%	$275,000
Homestead Funding Corp.	Conventional	1	0.1%	100%	$345,000
Renasant Bank A+5.0 ★Texas Ratio: 4.72%	Conventional	1	0.1%	100%	$395,000	View
Orangepath Financial Inc	Conventional	1	0.1%	100%	$365,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	FHA	1	0.1%	100%	$325,000	View
City National Bank of Florida A5.0 ★Texas Ratio: 7.12%	Conventional, Jumbo	1	0.1%	100%	$975,000	View
Bayshore Mortgage Funding	Conventional	1	0.1%	100%	$205,000
Ahl Funding	Conventional	1	0.1%	100%	$255,000
Sun West Mortgage Company, Inc	VA	1	0.1%	100%	$495,000
Absolute Home Mortgage	VA	1	0.1%	100%	$315,000
Schumacher Mortgage LLC	Conventional	1	0.1%	100%	$805,000
VanDyk Mortgage Corporation	Conventional, Jumbo	1	0.1%	100%	$835,000
American Financing Corporation	Conventional	1	0.1%	25%	$285,000
Acu	Conventional	1	0.1%	100%	$365,000
American Federal Mortgage Corporation	FHA	1	0.1%	100%	$235,000
Eastman Credit Union	Conventional	1	0.1%	100%	$375,000
First Heritage Mortgage, LLC	VA	1	0.1%	100%	$275,000
Jet HomeLoans, LP	Conventional	1	0.1%	100%	$275,000
Mid-Atlantic FCU	Conventional	1	0.1%	100%	$285,000
The Equitable Mortgage Corporation	Conventional	1	0.1%	100%	$425,000
Provident Funding Associates	Conventional	1	0.1%	100%	$465,000
Nations Lending Corporation	VA	1	0.1%	100%	$265,000
Franklin Loan Corporation	FHA	1	0.1%	100%	$355,000
T2 Financial LLC	FHA	1	0.1%	100%	$265,000
Direct Mortgage Loans, LLC	Conventional	1	0.1%	100%	$245,000
Truwest Credit Union ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	1	0.1%	100%	$245,000	View
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.1%	100%	$435,000
Atlanta Postal Credit Union	Conventional	1	0.1%	50%	$105,000
New Story Lending LLC	Conventional	1	0.1%	100%	$245,000
Agfirst Farm Credit Bank	Conventional	1	0.1%	100%	$655,000
South Carolina Federal Credit	Conventional	1	0.1%	100%	$195,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	1	0.1%	100%	$175,000	View
Digital Federal Credit Union	Conventional	1	0.1%	100%	$45,000
Sente Mortgage, Inc.	Conventional	1	0.1%	100%	$185,000
Jams-01 Inc dba Home Savings & Trust Mortgage	Conventional	1	0.1%	100%	$375,000
Veritas Funding, LLC	FHA	1	0.1%	50%	$535,000
Liberty Home Mortgage Corp	Conventional	1	0.1%	100%	$285,000
Summit Mortgage Corporation	FHA	1	0.1%	100%	$315,000
Nmsi, Inc.	Conventional	1	0.1%	100%	$495,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$705,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	100%	$465,000	View
Paramount Residential Mortgage	FHA	1	0.1%	100%	$345,000
Loan Simple, Inc.	FHA	1	0.1%	100%	$315,000
Top Flite Financial, Inc.	FHA	1	0.1%	100%	$255,000
Figure Lending LLC	HELOC	0 +10 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +8 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +8 HELOCs	0%	n/a
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +5 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +2 HELOCs	0%	0%
Sharonview Federal CU	HELOC	0 +2 HELOCs	0%	n/a
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	HELOC	0 +2 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +1 HELOCs	0%	0%
WSFS bank A+5.0 ★Texas Ratio: 3.10%	HELOC	0 +1 HELOCs	0%	n/a		View

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.

Kannapolis Mortgage Rate Trends

Daily average mortgage rates for North Carolina compared with the national average, updated every evening.

30-Year Fixed NC Avg

7.431%

▲ 0.109 vs 7 days ago

15-Year Fixed NC Avg

6.986%

▲ 0.082 vs 7 days ago

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

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

Types of Mortgage Lenders in Kannapolis, NC

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

Mortgage companies and brokers 120 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 53 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 24 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 78 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 43 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 15 lenders. Loans above the conforming limit for higher priced homes Local lenders based in NC 17 lenders headquartered in North Carolina, the closest thing to a mortgage lender near you

Who Lends in Kannapolis, NC

Independent mortgage companies closed 73.5 percent of home loans in Kannapolis, North Carolina in 2025, banks 18.3 percent and credit unions 8.2 percent. American Security Mortgage Cor was the largest mortgage company, Truist Bank the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, Truist Bank led with 17 loans.

73.5%

Mortgage companies

18.3%

Banks

8.2%

Credit unions

21%

FHA loans

10%

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 lenders Raleigh 368 lenders Durham 327 lenders Greensboro 278 lenders Fayetteville 241 lenders Winston-Salem 268 lenders Cary 268 lenders Concord 235 lenders Fuquay-Varina 224 lenders Apex 197 lenders Gastonia 197 lenders Wilmington 221 lenders

Frequently Asked Questions About Mortgage Lenders in Kannapolis, NC

Who is the largest mortgage lender in Kannapolis, NC?

By home loans closed in 2025, Truist Bank was the largest mortgage lender in Kannapolis, North Carolina with 17 loans, about 1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Kannapolis, North Carolina, Movement Mortgage, LLC approved the highest share of completed applications in 2025 at 96.5 percent, against a 85.7 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 Kannapolis, NC mortgage lenders offer FHA, VA and USDA loans?

78 lenders closed FHA loans in Kannapolis, North Carolina in 2025, led by United Wholesale Mortgage with 38. 43 lenders closed VA loans, led by Mortgage Research Center, 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 Kannapolis, NC lender list?

Yes. 53 banks and 24 credit unions closed home loans in Kannapolis, North Carolina in 2025, alongside 120 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 Kannapolis, NC ranked on this page?

Lenders are ranked only by the number of home loans they closed in Kannapolis, 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 Kannapolis, 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 Kannapolis. 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.