Mortgage Lenders and Brokers in Rutherfordton, 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
Rutherfordton, North Carolina mortgage lenders include Truist BankTruist Bank134 Charlotte Rd, Rutherfordton, NC 28139A+5.0 ★Texas Ratio: 2.87%, Wells Fargo Bank NAWells Fargo Bank NA137 Charlotte Rd, Rutherfordton, NC 28139A+5.0 ★Texas Ratio: 5.36%, PNC Bank N.A.PNC Bank N.A.275 N Main St, Rutherfordton, NC 28139A+5.0 ★Texas Ratio: 4.24%, TD BankTD Bank340 Charlotte Rd, Rutherfordton, NC 28139A+5.0 ★Texas Ratio: 3.71%, State Employees' Credit UnionState Employees' Credit Union428 S MAIN ST, RUTHERFORDTON, NC 28139A-5.0 ★Texas Ratio: 14.13%, Skyla Federal Credit UnionSkyla Federal Credit Union148 Charlotte St, Asheville, NC 28801 1923A5.0 ★Texas Ratio: 9.56%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust351 N 1st St, Albemarle, NC 28001A5.0 ★Texas Ratio: 7.72%, First BankFirst Bank105 S Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 1.94%, Civic FCUCivic FCU1118 Academy St N, Ahoskie, NC 27910F1.0 ★Texas Ratio: 75.00%, and HomeTrust BankHomeTrust Bank192 Airport Rd, Arden, NC 28704A+5.0 ★Texas Ratio: 5.53%. 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 Rutherfordton, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Rutherfordton 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 Rutherfordton, North Carolina
Market share is the lender's share of all home loans closed in Rutherfordton, 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 stars, 1 review 1 office in Rutherfordton 134 Charlotte Rd, Rutherfordton, NC 28139 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 4 +5 HELOCs |
1.7% | 80% | $140,000 | View |
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1 office in Rutherfordton 137 Charlotte Rd, Rutherfordton, NC 28139 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.9% | 100% | $70,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Rutherfordton 275 N Main St, Rutherfordton, NC 28139 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +10 HELOCs |
0.4% | 100% | $145,000 | View |
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1 office in Rutherfordton 340 Charlotte Rd, Rutherfordton, NC 28139 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 50% | $25,000 | View |
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428 S MAIN ST, RUTHERFORDTON, NC 28139 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 24 +27 HELOCs |
10.3% | 78.1% | $274,583 | View |
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148 Charlotte St, Asheville, NC 28801 1923 A5.0 ★Texas Ratio: 9.56% |
Conventional, HELOC | 2 +2 HELOCs |
0.9% | 40% | $125,000 | View |
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351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 2 +2 HELOCs |
0.9% | 100% | $240,000 | View |
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105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94% |
Conventional, HELOC | 2 +1 HELOCs |
0.9% | 100% | $290,000 | View |
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1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00% |
Conventional, HELOC | 1 +3 HELOCs |
0.4% | 100% | $85,000 | View |
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192 Airport Rd, Arden, NC 28704 A+5.0 ★Texas Ratio: 5.53% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $165,000 | View |
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1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.4% | 100% | $85,000 | View |
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303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional | 1 | 0.4% | 50% | $485,000 | View |
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★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.4% | 100% | $385,000 | View |
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1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +4 HELOCs |
0% | 0% | View | |
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47560 Highway 12, Buxton, NC 27920 A+5.0 ★Texas Ratio: 2.15% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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732 Main St, Andrews, NC 28901 A+5.0 ★Texas Ratio: 2.97% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Cardinal Financial Company, Li
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Conventional | 2 | 0.9% | 100% | $90,000 | |
Rocket Mortgage
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Conventional, FHA | 29 | 12.4% | 76.3% | $195,689 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA | 20 | 8.5% | 95.2% | $200,000 | |
Movement Mortgage, LLC
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Conventional, FHA, USDA | 17 | 7.3% | 100% | $257,352 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 13 | 5.6% | 100% | $258,846 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 10 | 4.3% | 45.8% | $195,000 | |
Mortgage Research Center
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VA | 6 | 2.6% | 66.7% | $261,666 | |
loanDepot.com LLC
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Conventional, FHA, Jumbo, HELOC | 5 +2 HELOCs |
2.1% | 50% | $403,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 5 | 2.1% | 100% | $147,000 | |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional, HELOC | 3 +1 HELOCs |
1.3% | 60% | $388,333 | View |
CrossCountry Mortgage, LLC
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Conventional, FHA | 3 | 1.3% | 100% | $331,666 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 3 | 1.3% | 100% | $361,666 | |
Amerisave Mortgage Company
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Conventional, FHA | 3 | 1.3% | 50% | $178,333 | |
Success Mortgage Partners, Inc
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Conventional, VA | 3 | 1.3% | 100% | $205,000 | |
Freedom Mortgage Corporation
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Conventional, FHA | 2 | 0.9% | 100% | $180,000 | |
American Financial Resources LLC
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FHA | 2 | 0.9% | 100% | $205,000 | |
Royal United Mortgage LLC
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Conventional | 2 | 0.9% | 66.7% | $190,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 0.9% | 100% | $70,000 | |
Newrez LLC
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Conventional, VA | 2 | 0.9% | 50% | $310,000 | |
Equity Prime Mortgage LLC
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FHA, USDA | 2 | 0.9% | 100% | $225,000 | |
Guild Mortgage Company
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Conventional, USDA | 2 | 0.9% | 100% | $200,000 | |
American Financial Network, Inc.
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FHA, VA | 2 | 0.9% | 100% | $405,000 | |
Union Home Mortgage Corp.
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FHA, VA | 2 | 0.9% | 100% | $295,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional | 2 | 0.9% | 100% | $295,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 0.9% | 100% | $340,000 | View |
Planet Home Lending, LLC
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FHA | 2 | 0.9% | 100% | $190,000 | |
Better Mortgage Corporation
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Conventional | 2 | 0.9% | 100% | $230,000 | |
New American Funding, LLC.
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FHA, VA | 2 | 0.9% | 100% | $340,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 0.9% | 100% | $220,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, FHA | 2 | 0.9% | 100% | $315,000 | View |
Carrington Mortgage Services LLC
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Conventional, VA | 2 | 0.9% | 40% | $360,000 | |
Reliance First Capital, LLC
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Conventional, FHA | 2 | 0.9% | 100% | $120,000 | |
Loan Simple, Inc.
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FHA | 2 | 0.9% | 100% | $355,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA, HELOC | 1 +2 HELOCs |
0.4% | 33.3% | $205,000 | |
Cmg Mortgage Inc
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FHA, HELOC | 1 +1 HELOCs |
0.4% | 100% | $165,000 | |
EMM Loans LLC
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FHA | 1 | 0.4% | 100% | $225,000 | |
Cornerstone First Mortgage, LLC
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,485,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.4% | 100% | $235,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
VA | 1 | 0.4% | 100% | $295,000 | View |
Fed Ex Employees Credit Association
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Conventional | 1 | 0.4% | 100% | $355,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.4% | 50% | $75,000 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional | 1 | 0.4% | 100% | $425,000 | View |
Mortgage Assurance Inc
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Conventional | 1 | 0.4% | 100% | $315,000 | |
Credit Union Mortgage Associat
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FHA | 1 | 0.4% | 100% | $305,000 | |
Intercoastal Mortgage, LLC
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Conventional | 1 | 0.4% | 50% | $205,000 | |
Oceanside Mortgage Company
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FHA | 1 | 0.4% | 100% | $255,000 | |
Ameritrust Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $245,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $155,000 | |
Mortgage Lenders Investment Tr
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Conventional | 1 | 0.4% | 100% | $725,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
FHA | 1 | 0.4% | 100% | $395,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.4% | 100% | $205,000 | |
Towne Mortgage Company
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Conventional | 1 | 0.4% | 100% | $325,000 | |
Radius Financial Group Inc
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Conventional | 1 | 0.4% | 100% | $65,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.4% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.4% | 100% | $255,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.4% | 100% | $115,000 | |
Veritas Funding, LLC
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FHA | 1 | 0.4% | 100% | $205,000 | |
The Loan Store, Inc
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FHA | 1 | 0.4% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.4% | 50% | $55,000 | View |
Campus USA Credit Union
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Conventional | 1 | 0.4% | 100% | $235,000 | |
Mortgage Investors Group
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Conventional | 1 | 0.4% | 100% | $295,000 | |
21St Mortgage
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Conventional | 1 | 0.4% | 100% | $315,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.4% | 100% | $205,000 | |
Village Capital & Investment
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FHA | 1 | 0.4% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 3.19% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Bank Ozk
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
CPM Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Gte Federal Credit Union
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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 |
Rutherfordton 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 Rutherfordton, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Rutherfordton? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Rutherfordton in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Rutherfordton, NC
Use these to narrow the list above. Each category shows how many Rutherfordton, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Rutherfordton, NC
Independent mortgage companies closed 74.8 percent of home loans in Rutherfordton, North Carolina in 2025, banks 10.7 percent and credit unions 14.5 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 4 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 Rutherfordton, NC
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Rutherfordton, North Carolina with 4 loans, about 1.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
27 lenders closed FHA loans in Rutherfordton, North Carolina in 2025, led by Rocket Mortgage with 9. 14 lenders closed VA loans, led by Mortgage Research Center, and 3 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. 23 banks and 11 credit unions closed home loans in Rutherfordton, North Carolina in 2025, alongside 55 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 Rutherfordton, 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 Rutherfordton, 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 Rutherfordton. 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.
