Mortgage Lenders and Brokers in Lincolnton, North Carolina
Brian McKay
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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.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Lincolnton, North Carolina mortgage lenders include First Federal Savings Bank of LincolntonFirst Federal Savings Bank of Lincolnton320 E Main St, Lincolnton, NC 28092A+5.0 ★Texas Ratio: 2.20%, Fifth Third Bank, National AssociationFifth Third Bank, National Association402 E Main St, Lincolnton, NC 28092A+5.0 ★Texas Ratio: 3.22%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust425 E Main St, Lincolnton, NC 28092A5.0 ★Texas Ratio: 7.72%, Peoples BankPeoples Bank1910 E Main St, Lincolnton, NC 28092A+5.0 ★Texas Ratio: 2.98%, Bank of America NABank of America NA213 S Aspen St, Lincolnton, NC 28092A+5.0 ★Texas Ratio: 4.14%, Truist BankTruist Bank813 E Main St, Lincolnton, NC 28092A+5.0 ★Texas Ratio: 2.87%, United Bank VaUnited Bank Va901 E Main St, Lincolnton, NC 28092A+5.0 ★Texas Ratio: 2.15%, AgSouth Farm CreditAgSouth Farm CreditLincolnton, NC, State Employees' Credit UnionState Employees' Credit Union110 SIGMON RD, LINCOLNTON, NC 28092A-5.0 ★Texas Ratio: 14.13%, and The Fidelity BankThe Fidelity Bank804 E Williams St, Apex, NC 27502A+5.0 ★Texas Ratio: 3.02%. 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 Lincolnton, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lincolnton 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 Lincolnton, North Carolina
Market share is the lender's share of all home loans closed in Lincolnton, 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 |
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1 office in Lincolnton 320 E Main St, Lincolnton, NC 28092 A+5.0 ★Texas Ratio: 2.20% |
Conventional | 30 | 5.2% | 90% | $302,666 | View |
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1 office in Lincolnton 402 E Main St, Lincolnton, NC 28092 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, USDA, HELOC | 9 +12 HELOCs |
1.6% | 52.9% | $215,000 | View |
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1 office in Lincolnton 425 E Main St, Lincolnton, NC 28092 A5.0 ★Texas Ratio: 7.72% |
Conventional, FHA, HELOC | 7 +5 HELOCs |
1.2% | 87.5% | $287,857 | View |
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1 office in Lincolnton 1910 E Main St, Lincolnton, NC 28092 A+5.0 ★Texas Ratio: 2.98% |
Conventional, HELOC | 5 +11 HELOCs |
0.9% | 83.3% | $281,000 | View |
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1 office in Lincolnton 213 S Aspen St, Lincolnton, NC 28092 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 4 +9 HELOCs |
0.7% | 80% | $270,000 | View |
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★ 1 stars, 1 review 1 office in Lincolnton 813 E Main St, Lincolnton, NC 28092 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 4 +6 HELOCs |
0.7% | 83.3% | $190,000 | View |
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1 office in Lincolnton 901 E Main St, Lincolnton, NC 28092 A+5.0 ★Texas Ratio: 2.15% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
AgSouth Farm Credit
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Conventional | 2 | 0.3% | 100% | $215,000 | |
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110 SIGMON RD, LINCOLNTON, NC 28092 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 32 +30 HELOCs |
5.5% | 68% | $288,437 | View |
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804 E Williams St, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.02% |
Conventional, HELOC | 3 +1 HELOCs |
0.5% | 100% | $311,666 | View |
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1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43% |
Conventional, HELOC | 2 +5 HELOCs |
0.3% | 66.7% | $95,000 | View |
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148 Charlotte St, Asheville, NC 28801 1923 A5.0 ★Texas Ratio: 9.56% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 66.7% | $115,000 | View |
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8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 0.3% | 66.7% | $415,000 | View |
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1641 Blowing Rock Road, Boone, NC 28607 A+5.0 ★Texas Ratio: 3.31% |
Conventional | 2 | 0.3% | 100% | $430,000 | View |
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192 Airport Rd, Arden, NC 28704 A+5.0 ★Texas Ratio: 5.53% |
Conventional, USDA | 2 | 0.3% | 66.7% | $280,000 | View |
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★ 1.7 stars, 3 reviews 102 Church St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +4 HELOCs |
0.2% | 100% | $265,000 | View |
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1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00% |
Conventional, HELOC | 1 +3 HELOCs |
0.2% | 100% | $215,000 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
VA, HELOC | 1 +1 HELOCs |
0.2% | 20% | $445,000 | View |
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101 S Tryon St, Charlotte, NC 28280 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.2% | 100% | $205,000 | View |
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5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.2% | 25% | $785,000 | View |
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8210 W Market St, Greensboro, NC 27409 A+5.0 ★Texas Ratio: 2.76% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
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732 Main St, Andrews, NC 28901 A+5.0 ★Texas Ratio: 2.97% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
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303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
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★ 5 stars, 1 review 5361 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.76% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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121 W Trade St Ste 1150, Charlotte, NC 28202 D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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2821 Crisman St, Charlotte, NC 28208 A+5.0 ★Texas Ratio: 3.27% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Goprime Mortgage, Inc.
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Conventional, FHA, VA | 16 | 2.8% | 100% | $303,750 | |
American Security Mortgage Cor
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Conventional, FHA, VA | 7 | 1.2% | 100% | $342,142 | |
Cardinal Financial Company, Li
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Conventional, FHA | 4 | 0.7% | 83.3% | $220,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 57 | 9.8% | 77.3% | $210,438 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA, USDA | 44 | 7.6% | 77.2% | $277,500 | |
Inspire Home Loans Inc.
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Conventional, FHA, VA, USDA | 39 | 6.7% | 93.3% | $293,717 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 28 +1 HELOCs |
4.8% | 90.9% | $250,714 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, USDA, Jumbo, HELOC | 20 +3 HELOCs |
3.5% | 100% | $307,500 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA, HELOC | 16 +1 HELOCs |
2.8% | 94.1% | $268,750 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, USDA, HELOC | 13 +1 HELOCs |
2.2% | 92.9% | $287,307 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 13 | 2.2% | 71.4% | $306,538 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA, USDA | 13 | 2.2% | 92.9% | $248,076 | |
New American Funding, LLC.
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Conventional, FHA, VA | 13 | 2.2% | 92.9% | $291,153 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 10 | 1.7% | 100% | $278,000 | |
Mortgage Research Center
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FHA, VA | 10 | 1.7% | 100% | $336,000 | |
Guild Mortgage Company
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Conventional, FHA, USDA | 9 | 1.6% | 92.3% | $287,222 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 8 | 1.4% | 100% | $247,500 | View |
Lakeview Loan Servicing, LLC
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FHA, VA | 5 | 0.9% | 100% | $303,000 | |
Lennar Mortgage, LLC
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Conventional, FHA | 5 | 0.9% | 100% | $311,000 | |
Nationstar Mortgage
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Conventional, VA | 5 | 0.9% | 62.5% | $233,000 | |
Reliance First Capital, LLC
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Conventional, FHA, VA, Jumbo | 5 | 0.9% | 100% | $343,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA, HELOC | 4 +1 HELOCs |
0.7% | 57.1% | $307,500 | |
Guaranteed Rate, Inc.
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Conventional | 4 | 0.7% | 50% | $220,000 | |
Atlantic Coast Mortgage, LLC
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Conventional, FHA | 4 | 0.7% | 100% | $275,000 | |
Newrez LLC
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Conventional | 4 | 0.7% | 40% | $152,500 | |
ALCOVA Mortgage, LLC
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Conventional, FHA, VA | 4 | 0.7% | 100% | $367,500 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 3 +1 HELOCs |
0.5% | 60% | $251,666 | |
Goodleap, LLC
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Conventional, FHA | 3 | 0.5% | 100% | $161,666 | |
Howard Hanna Financial Services, Inc
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Conventional | 3 | 0.5% | 100% | $258,333 | |
New Day Financial, LLC.
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VA | 3 | 0.5% | 60% | $235,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA | 3 | 0.5% | 100% | $158,333 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, FHA | 3 | 0.5% | 100% | $291,666 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 0.5% | 17.6% | $198,333 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.3% | 66.7% | $55,000 | |
Royal United Mortgage LLC
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Conventional | 2 | 0.3% | 100% | $120,000 | |
Primelending
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Conventional | 2 | 0.3% | 66.7% | $200,000 | |
Primary Residential Mortgage, INC.
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FHA | 2 | 0.3% | 100% | $255,000 | |
Canopy Mortgage, LLC
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Conventional | 2 | 0.3% | 100% | $245,000 | |
AmeriHome Mortgage Company, LLC
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FHA, VA | 2 | 0.3% | 66.7% | $385,000 | |
Loanunited.Com, LLC
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FHA, VA | 2 | 0.3% | 100% | $355,000 | |
AdvantageFirst Lending Inc
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Conventional, FHA | 2 | 0.3% | 100% | $310,000 | |
Click n' Close, Inc.
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Conventional, FHA | 2 | 0.3% | 100% | $105,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 2 | 0.3% | 100% | $320,000 | |
Provident Funding Associates
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Conventional | 2 | 0.3% | 100% | $420,000 | |
Nations Lending Corporation
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Conventional | 2 | 0.3% | 100% | $200,000 | |
Better Mortgage Corporation
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Conventional | 2 | 0.3% | 100% | $105,000 | |
Mortgage Solutions of Colorado
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FHA, VA | 2 | 0.3% | 100% | $325,000 | |
Lower, LLC
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Conventional | 2 | 0.3% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.3% | 66.7% | $130,000 | View |
Plaza Home Mortgage, Inc
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Conventional, FHA | 2 | 0.3% | 100% | $135,000 | |
Village Capital & Investment
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FHA, VA | 2 | 0.3% | 100% | $215,000 | |
Premier Mortgage Resources, LLC
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Conventional | 1 | 0.2% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 3.36% |
FHA | 1 | 0.2% | 100% | $445,000 | View |
American Airlines Federal Cred
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Conventional | 1 | 0.2% | 100% | $215,000 | |
American Financial Resources LLC
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FHA | 1 | 0.2% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 4.93% |
FHA | 1 | 0.2% | 100% | $35,000 | View |
Envoy Mortgage, Ltd
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VA | 1 | 0.2% | 100% | $515,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $455,000 | |
Nbkc Bank
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FHA | 1 | 0.2% | 100% | $455,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.2% | 100% | $525,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $285,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $305,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.2% | 9.1% | $75,000 | |
American Financial Network, Inc.
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USDA | 1 | 0.2% | 100% | $215,000 | |
City Lending Inc.
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Conventional | 1 | 0.2% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 4.72% |
FHA | 1 | 0.2% | 100% | $445,000 | View |
Cmg Mortgage Inc
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Conventional | 1 | 0.2% | 100% | $195,000 | |
Discover Bank
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Conventional | 1 | 0.2% | 16.7% | $95,000 | |
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A+5.0 ★Texas Ratio: 1.16% |
FHA | 1 | 0.2% | 100% | $235,000 | View |
Intercoastal Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $615,000 | |
MLB Residential Lending, LLC
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FHA | 1 | 0.2% | 100% | $185,000 | |
VanDyk Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $285,000 | |
SIRVA Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 2.95% |
Conventional | 1 | 0.2% | 50% | $5,000 | |
American Heritage Lending, LLC
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Conventional | 1 | 0.2% | 100% | $725,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional | 1 | 0.2% | 100% | $75,000 | |
First Heritage Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $175,000 | |
Nfm, Inc
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FHA | 1 | 0.2% | 100% | $255,000 | |
Stg Mortgage Inc
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VA | 1 | 0.2% | 100% | $365,000 | |
Planet Home Lending, LLC
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Conventional | 1 | 0.2% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.2% | 100% | $95,000 | View |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.2% | 100% | $235,000 | View |
T2 Financial LLC
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Conventional | 1 | 0.2% | 100% | $175,000 | |
BoxCar Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $445,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.2% | 100% | $185,000 | View |
Towne Mortgage Company
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Conventional | 1 | 0.2% | 100% | $215,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.2% | 100% | $395,000 | View |
Citadel Servicing Corporation
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Conventional | 1 | 0.2% | 100% | $205,000 | |
TowneBank
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Conventional | 1 | 0.2% | 100% | $585,000 | |
Prosperity Home Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $455,000 | |
Veritas Funding, LLC
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VA | 1 | 0.2% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.2% | 100% | $665,000 | View |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.2% | 100% | $35,000 | View |
Summit Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $215,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.2% | 100% | $385,000 | View |
Florida Capital Bank, N.A
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Conventional | 1 | 0.2% | 100% | $615,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.2% | 33.3% | $165,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.2% | 100% | $275,000 | View |
JMAC Lending, Inc.
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Conventional | 1 | 0.2% | 100% | $475,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Bank Ozk
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
The Loan Store, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Lincolnton 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 Lincolnton, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Lincolnton? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lincolnton in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Lincolnton, NC
Use these to narrow the list above. Each category shows how many Lincolnton, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Lincolnton, NC
Independent mortgage companies closed 74.4 percent of home loans in Lincolnton, North Carolina in 2025, banks 18 percent and credit unions 7.6 percent. AgSouth Farm Credit was the largest mortgage company, First Federal Savings Bank of Lincolnton the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, First Federal Savings Bank of Lincolnton led with 30 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 Lincolnton, NC
By home loans closed in 2025, First Federal Savings Bank of Lincolnton was the largest mortgage lender in Lincolnton, North Carolina with 30 loans, about 5.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Lincolnton, North Carolina, Rocket Mortgage approved the highest share of completed applications in 2025 at 77.3 percent, against a 78.9 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.
48 lenders closed FHA loans in Lincolnton, North Carolina in 2025, led by DHI Mortgage Company, LTD. with 29. 30 lenders closed VA loans, led by Mortgage Research Center, and 9 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. 41 banks and 9 credit unions closed home loans in Lincolnton, North Carolina in 2025, alongside 81 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 Lincolnton, 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 Lincolnton, 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 Lincolnton. 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.
