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Mortgage Lenders and Brokers in Mint Hill, North Carolina

Content reviewed by

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

Mint Hill, North Carolina mortgage lenders include Truist BankTruist Bank11425 Lawyers Rd, Mint Hill, NC 28227A+5.0 ★Texas Ratio: 2.87%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA12911 Albemarle Rd, Mint Hill, NC 28227A+5.0 ★Texas Ratio: 3.68%, Fifth Third Bank, National AssociationFifth Third Bank, National Association7116 Matthews Mint Hill Rd, Mint Hill, NC 28227A+5.0 ★Texas Ratio: 3.22%, State Employees' Credit UnionState Employees' Credit Union11529 LAWYERS RD, MINT HILL, NC 28227A-5.0 ★Texas Ratio: 14.13%, Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%, First National Bank of PAFirst National Bank of PA303 S Salem St, Apex, NC 27502A+5.0 ★Texas Ratio: 1.62%, Truliant Federal Credit UnionTruliant Federal Credit Union7114 Brighton Park Dr Ste 300, Mint Hill, NC 28227A5.0 ★Texas Ratio: 6.43%, Bank of America NABank of America NA5496 Apex Peakway, Apex, NC 27502A+5.0 ★Texas Ratio: 4.14%, Skyla Federal Credit UnionSkyla Federal Credit Union148 Charlotte St, Asheville, NC 28801 1923A5.0 ★Texas Ratio: 9.56%, and First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust351 N 1st St, Albemarle, NC 28001A5.0 ★Texas Ratio: 7.72%. 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 Mint Hill, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Mint Hill 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 Mint Hill, North Carolina

Market share is the lender's share of all home loans closed in Mint Hill, 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 Mint Hill 11425 Lawyers Rd, Mint Hill, NC 28227 A+5.0 ★Texas Ratio: 2.87%	Conventional, FHA, VA, Jumbo, HELOC	11 +31 HELOCs	1.5%	100%	$581,363	View
JPMorgan Chase Bank, NA 1 office in Mint Hill 12911 Albemarle Rd, Mint Hill, NC 28227 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	11 +1 HELOCs	1.5%	100%	$371,363	View
Fifth Third Bank, National Association 1 office in Mint Hill 7116 Matthews Mint Hill Rd, Mint Hill, NC 28227 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	6 +17 HELOCs	0.8%	70%	$308,333	View
State Employees' Credit Union 11529 LAWYERS RD, MINT HILL, NC 28227 A-5.0 ★Texas Ratio: 14.13%	Conventional, Jumbo, HELOC	30 +31 HELOCs	4.1%	88.9%	$401,000	View
Wells Fargo Bank NA 5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA	14	1.9%	87.5%	$382,857	View
First National Bank of PA 303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62%	Conventional, FHA, Jumbo, HELOC	10 +8 HELOCs	1.4%	62.5%	$440,000	View
Truliant Federal Credit Union 7114 Brighton Park Dr Ste 300, Mint Hill, NC 28227 A5.0 ★Texas Ratio: 6.43%	Conventional, HELOC	8 +34 HELOCs	1.1%	57.1%	$160,000	View
Bank of America NA 5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	7 +31 HELOCs	0.9%	77.8%	$286,428	View
Skyla Federal Credit Union 148 Charlotte St, Asheville, NC 28801 1923 A5.0 ★Texas Ratio: 9.56%	Conventional, HELOC	7 +5 HELOCs	0.9%	87.5%	$190,714	View
First Ciitizens Bank and Trust 351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo, HELOC	6 +17 HELOCs	0.8%	60%	$445,000	View
US Bank, N.A. 8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	5 +1 HELOCs	0.7%	71.4%	$783,000	View
Uwharrie Bank 800 Highway 24 27 Bypass, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 0.72%	Conventional, FHA, VA, Jumbo, HELOC	4 +4 HELOCs	0.5%	100%	$780,000	View
TD Bank 335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71%	Conventional, FHA, Jumbo, HELOC	3 +3 HELOCs	0.4%	100%	$1,558,333	View
Regions Bank 1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37%	Conventional	3	0.4%	83.3%	$475,000	View
Pinnacle Bank 103 N 2nd St, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 3.04%	Conventional	3	0.4%	100%	$301,666	View
Latino Community Credit Union 104 NC 54 Ste KK, Carrboro, NC 27510 A5.0 ★Texas Ratio: 6.08%	Conventional	3	0.4%	100%	$251,666	View
Allegacy Federal Credit Union 128 Yadkin Valley Rd, Advance, NC 27006 A+5.0 ★Texas Ratio: 4.25%	Conventional, HELOC	2 +4 HELOCs	0.3%	100%	$440,000	View
Coastal Federal Credit Union Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34%	Conventional, Jumbo, HELOC	2 +2 HELOCs	0.3%	100%	$1,000,000
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	2 +2 HELOCs	0.3%	66.7%	$250,000	View
First Horizon Bank ★ 5 stars, 1 review 5361 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.76%	FHA, VA	2	0.3%	100%	$470,000	View
Southstate Bank, National Association ★ 5 stars, 1 review 192 E Woodrow Ave, Belmont, NC 28012 A+5.0 ★Texas Ratio: 2.27%	Conventional	2	0.3%	50%	$400,000	View
Southern First Bank 4064 Colony Rd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 3.08%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$305,000	View
United Community Bank 732 Main St, Andrews, NC 28901 A+5.0 ★Texas Ratio: 2.97%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$595,000	View
Flagstar Bank NA 121 W Trade St Ste 1150, Charlotte, NC 28202 D3.3 ★Texas Ratio: 35.11%	VA	1	0.1%	50%	$365,000	View
Capital Bank, N.A. 890 Hendersonville Rd, Asheville, NC 28803 A-5.0 ★Texas Ratio: 15.49%	Conventional	1	0.1%	100%	$545,000	View
Ameris Bank ★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82%	Conventional, Jumbo	1	0.1%	100%	$935,000	View
Carolinas Telco FCU 2821 Crisman St, Charlotte, NC 28208 A+5.0 ★Texas Ratio: 3.27%	HELOC	0 +4 HELOCs	0%	n/a		View
HomeTrust Bank 192 Airport Rd, Arden, NC 28704 A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +2 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 +1 HELOCs	0%	n/a		View
The Park National Bank 1127 Hendersonville Rd, Asheville, NC 28803 A5.0 ★Texas Ratio: 6.62%	HELOC	0 +1 HELOCs	0%	n/a		View
First Bank 105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94%	HELOC	0 +1 HELOCs	0%	n/a		View
Civic FCU 1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00%	HELOC	0 +1 HELOCs	0%	n/a		View
American Security Mortgage Cor	Conventional, FHA, VA	26	3.5%	100%	$504,230
Cardinal Financial Company, Li	Conventional, FHA	2	0.3%	100%	$335,000
Premier Lending Inc.	Conventional, FHA	2	0.3%	100%	$480,000
Deephaven Mortgage LLC	Conventional	1	0.1%	100%	$675,000
Piedmont Advantage Credit Unio	HELOC	0 +1 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA	86	11.7%	89.5%	$273,720
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	63 +3 HELOCs	8.5%	85.3%	$412,619
Movement Mortgage, LLC	Conventional, FHA, VA, HELOC	40 +2 HELOCs	5.4%	95.8%	$405,750
Tri Pointe Connect, LLC	Conventional	23	3.1%	100%	$476,739
Pennymac Loan Services LLC	Conventional, FHA, VA	17	2.3%	68%	$439,705
Nationstar Mortgage	Conventional, FHA, VA	12	1.6%	92.3%	$298,333
CrossCountry Mortgage, LLC	Conventional, FHA	11	1.5%	100%	$430,454
Atlantic Bay Mortgage Group	Conventional, VA	11	1.5%	91.7%	$535,909
Freedom Mortgage Corporation	Conventional, FHA, VA	10	1.4%	91.7%	$438,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional, VA	10	1.4%	100%	$488,000	View
ALCOVA Mortgage, LLC	Conventional, FHA	9	1.2%	100%	$380,555
Founders Federal Credit Union A+5.0 ★Texas Ratio: 3.58%	Conventional, HELOC	8 +1 HELOCs	1.1%	80%	$293,750
Newrez LLC	Conventional, VA	8	1.1%	64.3%	$263,750
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional, VA	8	1.1%	100%	$438,750	View
Provident Funding Associates	Conventional	8	1.1%	100%	$411,250
Fairway Independent Mort Corp	Conventional, FHA, VA	8	1.1%	100%	$456,250
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	7 +7 HELOCs	0.9%	100%	$396,428
Mortgage Research Center	VA	7	0.9%	70%	$496,428
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	7	0.9%	100%	$400,714	View
loanDepot.com LLC	Conventional, FHA, HELOC	6 +6 HELOCs	0.8%	72.7%	$316,666
Spring Eq, LLC	Conventional, HELOC	6 +4 HELOCs	0.8%	38.9%	$75,000
TowneBank	Conventional, FHA, VA, HELOC	6 +2 HELOCs	0.8%	100%	$456,666
Guaranteed Rate, Inc.	Conventional, VA	6	0.8%	100%	$436,666
Mattamy Home Funding LLC	Conventional, VA	6	0.8%	100%	$508,333
Amerisave Mortgage Company	Conventional, FHA	6	0.8%	100%	$110,000
New American Funding, LLC.	Conventional, FHA, VA	6	0.8%	100%	$381,666
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	5	0.7%	62.5%	$485,000	View
Mutual of Omaha Mortgage	Conventional	5	0.7%	75%	$309,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	5	0.7%	83.3%	$269,000	View
The Loan Store, Inc	Conventional, HELOC	4 +2 HELOCs	0.5%	100%	$365,000
Sun West Mortgage Company, Inc	Conventional, FHA	4	0.5%	100%	$485,000
Jet HomeLoans, LP	Conventional, VA	4	0.5%	100%	$620,000
Better Mortgage Corporation	Conventional	4	0.5%	100%	$177,500
Zillow Home Loans, LLC	Conventional, VA	4	0.5%	100%	$382,500
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +1 HELOCs	0.4%	50%	$118,333	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	3	0.4%	100%	$685,000	View
Atlantic Coast Mortgage, LLC	Conventional, VA	3	0.4%	100%	$588,333
Nbkc Bank	Conventional	3	0.4%	75%	$475,000
Kind Lending, LLC	Conventional	3	0.4%	60%	$471,666
Filo Mortgage, LLC	Conventional, FHA	3	0.4%	100%	$408,333
Guild Mortgage Company	Conventional, VA	3	0.4%	100%	$505,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	3	0.4%	75%	$358,333	View
Lower, LLC	Conventional, VA	3	0.4%	100%	$261,666
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	3	0.4%	100%	$505,000	View
Village Capital & Investment	FHA, VA	3	0.4%	80%	$368,333
Liberty Federal Credit Union	Conventional	2	0.3%	100%	$380,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	2	0.3%	100%	$440,000	View
Lakeview Loan Servicing, LLC	Conventional, VA	2	0.3%	66.7%	$135,000
PHH Mortgage Corporation	Conventional	2	0.3%	66.7%	$570,000
General Mortgage Capital Corporation	Conventional	2	0.3%	100%	$360,000
Fidelity Direct Mortgage, LLC	Conventional, VA	2	0.3%	100%	$340,000
City Lending Inc.	Conventional, FHA	2	0.3%	100%	$215,000
Discover Bank	Conventional	2	0.3%	18.2%	$155,000
Union Home Mortgage Corp.	Conventional	2	0.3%	100%	$730,000
Highlands Residential Mortgage, Ltd.	Conventional	2	0.3%	100%	$700,000
Nfm, Inc	Conventional	2	0.3%	100%	$335,000
Milend, Inc	Conventional, FHA	2	0.3%	100%	$445,000
Towne Mortgage Company	Conventional	2	0.3%	66.7%	$310,000
Prosperity Home Mortgage, LLC	Conventional	2	0.3%	100%	$245,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	2	0.3%	100%	$330,000	View
Cmg Mortgage Inc	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$525,000
South Carolina Federal Credit	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$395,000
Equity Resources Inc	Conventional	1	0.1%	100%	$475,000
Originpoint, LLC	FHA	1	0.1%	100%	$385,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$665,000	View
Premier Mortgage Resources, LLC	Conventional	1	0.1%	100%	$335,000
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 3.36%	Conventional	1	0.1%	100%	$135,000	View
Guaranteed Rate Affinity, LLC	VA	1	0.1%	100%	$225,000
American Financial Resources LLC	Conventional	1	0.1%	50%	$725,000
Residential Wholesale Mortgage	Conventional	1	0.1%	100%	$305,000
Royal United Mortgage LLC	FHA	1	0.1%	100%	$255,000
Primelending	VA	1	0.1%	100%	$425,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	VA	1	0.1%	100%	$455,000	View
Gold Star Mortgage Financial Group, Corporation	Conventional	1	0.1%	100%	$355,000
Everett Financial, Inc.	FHA	1	0.1%	100%	$215,000
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$525,000
Envoy Mortgage, Ltd	FHA	1	0.1%	100%	$415,000
Howard Hanna Financial Services, Inc	Conventional	1	0.1%	100%	$285,000
Fed Ex Employees Credit Association	Conventional	1	0.1%	100%	$385,000
NuMark Credit Union	Conventional	1	0.1%	100%	$555,000
AmeriHome Mortgage Company, LLC	FHA	1	0.1%	50%	$315,000
Loanunited.Com, LLC	FHA	1	0.1%	50%	$365,000
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional	1	0.1%	100%	$705,000	View
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$375,000	View
AdvantageFirst Lending Inc	Conventional	1	0.1%	33.3%	$545,000
Homestead Funding Corp.	Conventional	1	0.1%	100%	$295,000
AmWest Funding Corp	Conventional	1	0.1%	100%	$425,000
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional	1	0.1%	100%	$295,000	View
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$325,000	View
Nqm Funding, LLC	Conventional	1	0.1%	100%	$235,000
Mortgage Assurance Inc	Conventional	1	0.1%	100%	$545,000
First Alliance Home Mortgage, LLC	FHA	1	0.1%	100%	$345,000
Credit Union Mortgage Associat	Conventional	1	0.1%	100%	$745,000
Click n' Close, Inc.	Conventional	1	0.1%	100%	$265,000
Bay Equity LLC	Conventional	1	0.1%	100%	$285,000
Kwik Mortgage Corporation	Conventional	1	0.1%	100%	$515,000
American Heritage Lending, LLC	Conventional	1	0.1%	100%	$295,000
Weichert Financial Services	Conventional	1	0.1%	100%	$465,000
Corning Credit Union	Conventional	1	0.1%	100%	$515,000
Fairwinds Credit Union	Conventional	1	0.1%	100%	$365,000
Capital Center LLC	Conventional	1	0.1%	100%	$265,000
New Day Financial, LLC.	VA	1	0.1%	100%	$775,000
Planet Home Lending, LLC	FHA	1	0.1%	100%	$405,000
Nations Lending Corporation	VA	1	0.1%	100%	$245,000
Harborone Mortgage, LLC	Conventional	1	0.1%	100%	$125,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	50%	$315,000	View
Castle & Cooke Mortgage, LLC	FHA	1	0.1%	100%	$395,000
Aberdeen Proving Ground FCU	Conventional	1	0.1%	50%	$195,000
New Story Lending LLC	VA	1	0.1%	100%	$575,000
Paramount Bank A5.0 ★Texas Ratio: 8.70%	Conventional	1	0.1%	100%	$365,000	View
Stockton Mortgage Corporation A+5.0 ★Texas Ratio: 0.21%	FHA	1	0.1%	100%	$365,000	View
V.I.P. Mortgage, Inc.	Conventional	1	0.1%	100%	$395,000
1st National Bank	Conventional	1	0.1%	100%	$495,000
Home State Bank National Association A+5.0 ★Texas Ratio: 0.47%	Conventional	1	0.1%	100%	$355,000	View
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$255,000
Veritas Funding, LLC	FHA	1	0.1%	100%	$275,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	FHA	1	0.1%	100%	$385,000	View
State Departmenet Federal Credit Union	Conventional	1	0.1%	100%	$375,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA, Jumbo	1	0.1%	100%	$1,075,000	View
21St Mortgage	Conventional	1	0.1%	33.3%	$105,000
Angel Oak Mortgage Solutions LLC	Conventional	1	0.1%	100%	$585,000
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0.1%	14.3%	$85,000
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	1	0.1%	100%	$655,000	View
Ukrainian Federal Credit Union A5.0 ★Texas Ratio: 10.53%	Conventional	1	0.1%	100%	$575,000
Plaza Home Mortgage, Inc	Conventional	1	0.1%	100%	$255,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional	1	0.1%	100%	$605,000	View
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$355,000
Champions Funding, LLC	Conventional	1	0.1%	50%	$405,000
Figure Lending LLC	HELOC	0 +7 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +7 HELOCs	0%	n/a		View
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +5 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Sharonview Federal CU	HELOC	0 +3 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +2 HELOCs	0%	100%
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Elements Financial Federal Cre	HELOC	0 +1 HELOCs	0%	n/a
Nicolet National Bank A+5.0 ★Texas Ratio: 2.28%	HELOC	0 +1 HELOCs	0%	n/a		View
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	HELOC	0 +1 HELOCs	0%	n/a
Pentagon Federal Credit Union	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.

Mint Hill 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 Mint Hill, North Carolina

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

Types of Mortgage Lenders in Mint Hill, NC

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

Mortgage companies and brokers 95 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 55 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 29 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 41 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 39 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 11 lenders. Loans above the conforming limit for higher priced homes Local lenders based in NC 18 lenders headquartered in North Carolina, the closest thing to a mortgage lender near you

Who Lends in Mint Hill, NC

Independent mortgage companies closed 66.7 percent of home loans in Mint Hill, North Carolina in 2025, banks 22.8 percent and credit unions 10.6 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 11 loans.

66.7%

Mortgage companies

22.8%

Banks

10.6%

Credit unions

10%

FHA loans

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 Mint Hill, NC

Who is the largest mortgage lender in Mint Hill, NC?

By home loans closed in 2025, Truist Bank was the largest mortgage lender in Mint Hill, North Carolina with 11 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 Mint Hill, NC have the highest approval rates?

Among lenders with meaningful volume in Mint Hill, North Carolina, Rocket Mortgage approved the highest share of completed applications in 2025 at 89.5 percent, against a 85 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 Mint Hill, NC mortgage lenders offer FHA, VA and USDA loans?

41 lenders closed FHA loans in Mint Hill, North Carolina in 2025, led by Rocket Mortgage with 10. 39 lenders closed VA loans, led by Mortgage Research Center. 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 Mint Hill, NC lender list?

Yes. 55 banks and 29 credit unions closed home loans in Mint Hill, North Carolina in 2025, alongside 95 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 Mint Hill, NC ranked on this page?

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