Mortgage Lenders and Brokers in Kings Mountain, North Carolina
Brian McKay
|
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
Kings Mountain, North Carolina mortgage lenders include Truist BankTruist Bank410 E King St, Kings Mountain, NC 28086A+5.0 ★Texas Ratio: 2.87%, Commercial BankCommercial Bank1113 Shelby Rd, Kings Mountain, NC 28086A+5.0 ★Texas Ratio: 2.83%, State Employees' Credit UnionState Employees' Credit Union2104 SHELBY RD, KINGS MOUNTAIN, NC 28086A-5.0 ★Texas Ratio: 14.13%, Truliant Federal Credit UnionTruliant Federal Credit Union1055 E Dixie Dr, Asheboro, NC 27203A5.0 ★Texas Ratio: 6.43%, HomeTrust BankHomeTrust Bank192 Airport Rd, Arden, NC 28704A+5.0 ★Texas Ratio: 5.53%, Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%, Skyla Federal Credit UnionSkyla Federal Credit Union114 E Gold St, Kings Mountain, NC 28086A5.0 ★Texas Ratio: 9.56%, Fifth Third Bank, National AssociationFifth Third Bank, National Association1121 Moncure Place, Apex, NC 27523A+5.0 ★Texas Ratio: 3.22%, Ameris BankAmeris Bank6805 Carnegie Blvd, Charlotte, NC 28211A+5.0 ★Texas Ratio: 1.82%, and Bank of America NABank of America NA5496 Apex Peakway, Apex, NC 27502A+5.0 ★Texas Ratio: 4.14%. 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 Kings Mountain, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Kings Mountain 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 Kings Mountain, North Carolina
Market share is the lender's share of all home loans closed in Kings Mountain, 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 |
|---|---|---|---|---|---|---|
|
★ 1 stars, 1 review 1 office in Kings Mountain 410 E King St, Kings Mountain, NC 28086 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 3 +18 HELOCs |
0.6% | 100% | $151,666 | View |
|
1 office in Kings Mountain 1113 Shelby Rd, Kings Mountain, NC 28086 A+5.0 ★Texas Ratio: 2.83% |
Conventional | 2 | 0.4% | 100% | $415,000 | View |
|
2104 SHELBY RD, KINGS MOUNTAIN, NC 28086 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 50 +38 HELOCs |
9.7% | 79.4% | $255,200 | View |
|
1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43% |
Conventional, HELOC | 14 +10 HELOCs |
2.7% | 44.1% | $119,285 | View |
|
192 Airport Rd, Arden, NC 28704 A+5.0 ★Texas Ratio: 5.53% |
Conventional, HELOC | 8 +1 HELOCs |
1.5% | 88.9% | $238,750 | View |
|
5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 6 | 1.2% | 66.7% | $210,000 | View |
|
114 E Gold St, Kings Mountain, NC 28086 A5.0 ★Texas Ratio: 9.56% |
Conventional, HELOC | 5 +11 HELOCs |
1% | 71.4% | $133,000 | View |
|
1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 3 +9 HELOCs |
0.6% | 60% | $325,000 | View |
|
★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA | 3 | 0.6% | 100% | $335,000 | View |
|
5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $285,000 | View |
|
121 W Trade St Ste 1150, Charlotte, NC 28202 D3.3 ★Texas Ratio: 35.11% |
Conventional | 2 | 0.4% | 100% | $270,000 | View |
|
2821 Crisman St, Charlotte, NC 28208 A+5.0 ★Texas Ratio: 3.27% |
Conventional | 2 | 0.4% | 100% | $155,000 | View |
|
800 Highway 24 27 Bypass, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 0.72% |
Conventional | 2 | 0.4% | 100% | $235,000 | View |
|
804 E Williams St, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.02% |
FHA, HELOC | 1 +6 HELOCs |
0.2% | 100% | $225,000 | View |
|
★ 1.7 stars, 3 reviews 102 Church St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $345,000 | View |
|
103 N 2nd St, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 3.04% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $565,000 | View |
|
1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 50% | $215,000 | View |
|
★ 5 stars, 1 review 5361 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.76% |
FHA | 1 | 0.2% | 100% | $315,000 | View |
|
732 Main St, Andrews, NC 28901 A+5.0 ★Texas Ratio: 2.97% |
FHA | 1 | 0.2% | 100% | $205,000 | View |
|
1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
|
★ 5 stars, 1 review 192 E Woodrow Ave, Belmont, NC 28012 A+5.0 ★Texas Ratio: 2.27% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Cardinal Financial Company, Li
|
Conventional, FHA | 7 | 1.4% | 87.5% | $127,857 | |
American Security Mortgage Cor
|
Conventional, FHA, USDA | 5 | 1% | 100% | $297,000 | |
Goprime Mortgage, Inc.
|
VA | 1 | 0.2% | 100% | $305,000 | |
Rocket Mortgage
|
Conventional, FHA, VA | 58 | 11.2% | 78.2% | $188,793 | |
DHI Mortgage Company, LTD.
|
Conventional, FHA, VA | 45 | 8.7% | 91.8% | $316,555 | |
United Wholesale Mortgage
|
Conventional, FHA, VA, HELOC | 31 +1 HELOCs |
6% | 89.7% | $301,774 | |
Movement Mortgage, LLC
|
Conventional, FHA, VA | 21 | 4.1% | 100% | $217,380 | |
Guaranteed Rate, Inc.
|
Conventional, FHA, VA | 17 | 3.3% | 100% | $235,000 | |
Guild Mortgage Company
|
Conventional, FHA, VA | 11 | 2.1% | 80% | $229,545 | |
Atlantic Bay Mortgage Group
|
Conventional, FHA, VA, USDA, Jumbo | 11 | 2.1% | 100% | $253,181 | |
New American Funding, LLC.
|
Conventional, FHA | 9 | 1.7% | 81.8% | $165,000 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, Jumbo, HELOC | 8 +2 HELOCs |
1.5% | 88.9% | $306,250 | |
Pennymac Loan Services LLC
|
Conventional, FHA, VA | 8 | 1.5% | 53.3% | $396,250 | |
Zillow Home Loans, LLC
|
Conventional, FHA | 8 | 1.5% | 100% | $206,250 | |
loanDepot.com LLC
|
Conventional, FHA, VA, HELOC | 7 +2 HELOCs |
1.4% | 87.5% | $227,857 | |
American Pacific Mortgage Corporation
|
Conventional, FHA, VA, USDA | 6 | 1.2% | 85.7% | $288,333 | |
Nationstar Mortgage
|
Conventional, FHA | 6 | 1.2% | 75% | $145,000 | |
Freedom Mortgage Corporation
|
Conventional, FHA, VA | 5 | 1% | 75% | $217,000 | |
Mortgage Research Center
|
VA | 5 | 1% | 50% | $299,000 | |
Vanderbilt Mortgage and Finance, Inc
|
Conventional | 5 | 1% | 13.2% | $163,000 | |
Bank Ozk
|
Conventional, FHA, VA, HELOC | 4 +9 HELOCs |
0.8% | 36.4% | $122,500 | |
The Loan Store, Inc
|
Conventional, HELOC | 4 +1 HELOCs |
0.8% | 100% | $240,000 | |
Newrez LLC
|
Conventional, FHA | 4 | 0.8% | 36.4% | $182,500 | |
Amerisave Mortgage Company
|
Conventional, FHA | 4 | 0.8% | 25% | $140,000 | |
Southwest Stage Funding LLC
|
Conventional, FHA | 4 | 0.8% | 80% | $192,500 | |
Fairway Independent Mort Corp
|
Conventional, FHA | 4 | 0.8% | 100% | $210,000 | |
Equity Prime Mortgage LLC
|
FHA, USDA | 3 | 0.6% | 100% | $261,666 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA | 3 | 0.6% | 100% | $235,000 | |
Kind Lending, LLC
|
Conventional, VA, USDA | 3 | 0.6% | 60% | $325,000 | |
Howard Hanna Financial Services, Inc
|
Conventional, FHA | 3 | 0.6% | 100% | $248,333 | |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional | 3 | 0.6% | 100% | $265,000 | View |
Union Home Mortgage Corp.
|
Conventional, VA | 3 | 0.6% | 100% | $411,666 | |
New Day Financial, LLC.
|
VA | 3 | 0.6% | 60% | $248,333 | |
|
A+5.0 ★Texas Ratio: 1.10% |
Conventional, FHA | 3 | 0.6% | 100% | $225,000 | View |
Towne Mortgage Company
|
Conventional, FHA | 3 | 0.6% | 100% | $285,000 | |
|
A+5.0 ★Texas Ratio: 2.32% |
Conventional | 3 | 0.6% | 100% | $81,666 | View |
Lower, LLC
|
Conventional, FHA | 3 | 0.6% | 100% | $268,333 | |
|
A+5.0 ★Texas Ratio: 2.14% |
Conventional, VA | 3 | 0.6% | 100% | $395,000 | View |
Carrington Mortgage Services LLC
|
Conventional, FHA, VA | 3 | 0.6% | 60% | $121,666 | |
Guaranteed Rate Affinity, LLC
|
Conventional | 2 | 0.4% | 100% | $240,000 | |
Atlantic Coast Mortgage, LLC
|
Conventional, FHA | 2 | 0.4% | 100% | $125,000 | |
Goodleap, LLC
|
FHA | 2 | 0.4% | 100% | $165,000 | |
Gold Star Mortgage Financial Group, Corporation
|
Conventional, FHA | 2 | 0.4% | 100% | $135,000 | |
|
A5.0 ★Texas Ratio: 8.47% |
Conventional | 2 | 0.4% | 100% | $460,000 | View |
Sun West Mortgage Company, Inc
|
Conventional, VA | 2 | 0.4% | 100% | $175,000 | |
Click n' Close, Inc.
|
Conventional, FHA | 2 | 0.4% | 50% | $100,000 | |
Churchill Mortgage Corporation
|
Conventional | 2 | 0.4% | 100% | $365,000 | |
|
A5.0 ★Texas Ratio: 8.70% |
Conventional, USDA | 2 | 0.4% | 66.7% | $225,000 | View |
Mortgage Solutions of Colorado
|
VA | 2 | 0.4% | 100% | $305,000 | |
Prosperity Home Mortgage, LLC
|
Conventional, FHA | 2 | 0.4% | 66.7% | $215,000 | |
Mutual of Omaha Mortgage
|
Conventional, FHA | 2 | 0.4% | 100% | $135,000 | |
|
A+5.0 ★Texas Ratio: 3.58% |
Conventional | 2 | 0.4% | 66.7% | $215,000 | |
Reliance First Capital, LLC
|
FHA, VA | 2 | 0.4% | 100% | $200,000 | |
Top Flite Financial, Inc.
|
Conventional, FHA | 2 | 0.4% | 50% | $200,000 | |
HomeBridge Financial Services, Inc
|
FHA, HELOC | 1 +2 HELOCs |
0.2% | 100% | $225,000 | |
American Airlines Federal Cred
|
Conventional | 1 | 0.2% | 100% | $205,000 | |
Liberty Federal Credit Union
|
Conventional, Jumbo | 1 | 0.2% | 100% | $1,315,000 | |
American Financial Resources LLC
|
FHA | 1 | 0.2% | 100% | $295,000 | |
Residential Wholesale Mortgage
|
Conventional | 1 | 0.2% | 100% | $145,000 | |
|
A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.2% | 100% | $85,000 | View |
Primelending
|
FHA | 1 | 0.2% | 100% | $355,000 | |
Fourleaf Federal Credit Union
|
Conventional, Jumbo | 1 | 0.2% | 100% | $895,000 | |
Lakeview Loan Servicing, LLC
|
Conventional | 1 | 0.2% | 100% | $245,000 | |
Envoy Mortgage, Ltd
|
USDA | 1 | 0.2% | 100% | $285,000 | |
ALCOVA Mortgage, LLC
|
Conventional | 1 | 0.2% | 100% | $185,000 | |
AmeriHome Mortgage Company, LLC
|
FHA | 1 | 0.2% | 50% | $295,000 | |
Triad Financial Services, Inc.
|
Conventional | 1 | 0.2% | 50% | $275,000 | |
PHH Mortgage Corporation
|
FHA | 1 | 0.2% | 100% | $435,000 | |
Loanunited.Com, LLC
|
VA | 1 | 0.2% | 100% | $285,000 | |
Filo Mortgage, LLC
|
Conventional | 1 | 0.2% | 100% | $145,000 | |
Resicentral LLC
|
FHA | 1 | 0.2% | 100% | $235,000 | |
AdvantageFirst Lending Inc
|
VA | 1 | 0.2% | 33.3% | $235,000 | |
|
A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.2% | 100% | $245,000 | View |
|
A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.2% | 100% | $265,000 | View |
Cmg Mortgage Inc
|
Conventional | 1 | 0.2% | 100% | $445,000 | |
Success Mortgage Partners, Inc
|
FHA | 1 | 0.2% | 100% | $235,000 | |
Bayshore Mortgage Funding
|
VA | 1 | 0.2% | 100% | $215,000 | |
Discover Bank
|
Conventional | 1 | 0.2% | 33.3% | $55,000 | |
American Financing Corporation
|
Conventional | 1 | 0.2% | 33.3% | $15,000 | |
ClearPath Lending
|
VA | 1 | 0.2% | 100% | $235,000 | |
Flat Branch Mortgage, Inc.
|
Conventional | 1 | 0.2% | 100% | $515,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.2% | 33.3% | $355,000 | View |
Evergreen Moneysource Mortgage Company
|
Conventional | 1 | 0.2% | 100% | $205,000 | |
T2 Financial LLC
|
FHA | 1 | 0.2% | 50% | $255,000 | |
New Story Lending LLC
|
FHA | 1 | 0.2% | 100% | $305,000 | |
Rapid Mortgage Company
|
FHA | 1 | 0.2% | 100% | $175,000 | |
Milend, Inc
|
FHA | 1 | 0.2% | 50% | $165,000 | |
TowneBank
|
FHA | 1 | 0.2% | 100% | $395,000 | |
Summit Funding.Inc
|
FHA | 1 | 0.2% | 100% | $275,000 | |
Mortgage Investors Group
|
FHA | 1 | 0.2% | 100% | $265,000 | |
|
B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.2% | 100% | $315,000 | View |
21St Mortgage
|
Conventional | 1 | 0.2% | 25% | $105,000 | |
|
A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.2% | 50% | $105,000 | View |
Nexera Holding LLC
|
Conventional | 1 | 0.2% | 100% | $105,000 | |
|
A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.2% | 100% | $435,000 | View |
Loan Simple, Inc.
|
USDA | 1 | 0.2% | 100% | $275,000 | |
Village Capital & Investment
|
VA | 1 | 0.2% | 50% | $235,000 | |
Sharonview Federal CU
|
HELOC | 0 +4 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Justice Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
|
HELOC | 0 +1 HELOCs |
0% | 0% |
Kings Mountain Mortgage Rate Trends
Daily average mortgage rates for North Carolina compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Kings Mountain, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Kings Mountain? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Kings Mountain in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Kings Mountain, NC
Use these to narrow the list above. Each category shows how many Kings Mountain, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Kings Mountain, NC
Independent mortgage companies closed 71 percent of home loans in Kings Mountain, North Carolina in 2025, banks 12.7 percent and credit unions 16.2 percent. Cardinal Financial Company, Li 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 3 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
Frequently Asked Questions About Mortgage Lenders in Kings Mountain, NC
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Kings Mountain, North Carolina with 3 loans, about 0.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Kings Mountain, North Carolina, State Employees' Credit Union approved the highest share of completed applications in 2025 at 79.4 percent, against a 72.9 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.
54 lenders closed FHA loans in Kings Mountain, North Carolina in 2025, led by DHI Mortgage Company, LTD. with 28. 30 lenders closed VA loans, led by United Wholesale Mortgage, and 8 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.
Yes. 34 banks and 12 credit unions closed home loans in Kings Mountain, North Carolina in 2025, alongside 78 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.
Lenders are ranked only by the number of home loans they closed in Kings Mountain, 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 Kings Mountain, 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 Kings Mountain. 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.
