Mortgage Lenders and Brokers in Shelby, 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
Shelby, North Carolina mortgage lenders include HomeTrust BankHomeTrust Bank224 E Warren St, Shelby, NC 28150A+5.0 ★Texas Ratio: 5.53%, The Fidelity BankThe Fidelity Bank331 S Lafayette St, Shelby, NC 28150A+5.0 ★Texas Ratio: 3.02%, Truist BankTruist Bank400 S Lafayette St, Shelby, NC 28150A+5.0 ★Texas Ratio: 2.87%, Fifth Third Bank, National AssociationFifth Third Bank, National Association316 S Lafayette St, Shelby, NC 28150A+5.0 ★Texas Ratio: 3.22%, Wells Fargo Bank NAWells Fargo Bank NA231 S Washington St, Shelby, NC 28150A+5.0 ★Texas Ratio: 5.36%, PNC Bank N.A.PNC Bank N.A.131 N Lafayette St, Shelby, NC 28150A+5.0 ★Texas Ratio: 4.24%, State Employees' Credit UnionState Employees' Credit Union435 E COLLEGE AVE, SHELBY, NC 28152A-5.0 ★Texas Ratio: 14.13%, Truliant Federal Credit UnionTruliant Federal Credit Union621 S Dekalb St, Shelby, NC 28150A5.0 ★Texas Ratio: 6.43%, Southstate Bank, National AssociationSouthstate Bank, National Association192 E Woodrow Ave, Belmont, NC 28012A+5.0 ★Texas Ratio: 2.27%, and US Bank, N.A.US Bank, N.A.8334 Pineville Matthews Rd, Charlotte, NC 28226A+5.0 ★Texas Ratio: 2.85%. 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 Shelby, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Shelby 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 Shelby, North Carolina
Market share is the lender's share of all home loans closed in Shelby, 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 Shelby 224 E Warren St, Shelby, NC 28150 A+5.0 ★Texas Ratio: 5.53% |
Conventional, HELOC | 8 +8 HELOCs |
1.6% | 88.9% | $312,500 | View |
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1 office in Shelby 331 S Lafayette St, Shelby, NC 28150 A+5.0 ★Texas Ratio: 3.02% |
Conventional, FHA, HELOC | 6 +7 HELOCs |
1.2% | 85.7% | $138,333 | View |
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★ 1 stars, 1 review 1 office in Shelby 400 S Lafayette St, Shelby, NC 28150 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 4 +11 HELOCs |
0.8% | 100% | $145,000 | View |
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1 office in Shelby 316 S Lafayette St, Shelby, NC 28150 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, HELOC | 3 +5 HELOCs |
0.6% | 75% | $108,333 | View |
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1 office in Shelby 231 S Washington St, Shelby, NC 28150 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.4% | 66.7% | $100,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Shelby 131 N Lafayette St, Shelby, NC 28150 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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435 E COLLEGE AVE, SHELBY, NC 28152 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 52 +41 HELOCs |
10.3% | 78.8% | $212,115 | View |
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621 S Dekalb St, Shelby, NC 28150 A5.0 ★Texas Ratio: 6.43% |
Conventional, HELOC | 28 +20 HELOCs |
5.6% | 70% | $124,642 | View |
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★ 5 stars, 1 review 192 E Woodrow Ave, Belmont, NC 28012 A+5.0 ★Texas Ratio: 2.27% |
Conventional, FHA, Jumbo | 3 | 0.6% | 100% | $651,666 | View |
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8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
VA, HELOC | 2 +1 HELOCs |
0.4% | 100% | $260,000 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 66.7% | $235,000 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.4% | 100% | $175,000 | View |
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335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.2% | 100% | $1,005,000 | View |
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148 Charlotte St, Asheville, NC 28801 1923 A5.0 ★Texas Ratio: 9.56% |
Conventional | 1 | 0.2% | 50% | $155,000 | View |
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★ 5 stars, 1 review 5361 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.2% | 100% | $175,000 | View |
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101 S Tryon St, Charlotte, NC 28280 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.2% | 50% | $705,000 | View |
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103 N 2nd St, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 0.2% | 100% | $585,000 | View |
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3768 Nc 16, Denver, NC 28037 A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.2% | 100% | $45,000 | View |
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800 Highway 24 27 Bypass, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 0.72% |
Conventional | 1 | 0.2% | 100% | $135,000 | View |
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351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72% |
Conventional | 1 | 0.2% | 50% | $65,000 | View |
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1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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128 Yadkin Valley Rd, Advance, NC 27006 A+5.0 ★Texas Ratio: 4.25% |
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% | n/a | View | |
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303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
American Security Mortgage Cor
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Conventional, FHA, VA | 5 | 1% | 100% | $161,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.2% | 50% | $805,000 | |
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A+5.0 ★Texas Ratio: 2.60% |
Conventional | 1 | 0.2% | 100% | $555,000 | View |
Cardinal Financial Company, Li
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FHA | 1 | 0.2% | 50% | $125,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 54 | 10.7% | 80.6% | $196,481 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, Jumbo | 28 | 5.6% | 100% | $204,285 | |
loanDepot.com LLC
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Conventional, FHA, VA, USDA, HELOC | 22 +1 HELOCs |
4.4% | 84.6% | $272,272 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA, HELOC | 20 +2 HELOCs |
4% | 76.9% | $275,000 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA | 17 | 3.4% | 100% | $142,647 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 15 | 3% | 100% | $203,666 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA, USDA | 13 | 2.6% | 86.7% | $248,846 | |
Guild Mortgage Company
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Conventional, FHA, VA | 12 | 2.4% | 85.7% | $270,000 | |
New American Funding, LLC.
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Conventional, FHA, VA, USDA | 12 | 2.4% | 100% | $196,666 | |
American Pacific Mortgage Corporation
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Conventional, FHA, USDA | 11 | 2.2% | 100% | $205,909 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 9 | 1.8% | 100% | $273,888 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 8 | 1.6% | 100% | $157,500 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 8 | 1.6% | 11.1% | $141,250 | |
Mortgage Research Center
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VA | 7 | 1.4% | 87.5% | $225,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 6 | 1.2% | 85.7% | $213,333 | |
Paramount Residential Mortgage
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Conventional, FHA | 6 | 1.2% | 100% | $248,333 | |
CrossCountry Mortgage, LLC
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FHA | 5 | 1% | 100% | $217,000 | |
Click n' Close, Inc.
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Conventional, FHA | 5 | 1% | 100% | $171,000 | |
Bank Ozk
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Conventional, FHA, HELOC | 4 +5 HELOCs |
0.8% | 66.7% | $202,500 | |
American Financial Resources LLC
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Conventional, FHA | 4 | 0.8% | 100% | $175,000 | |
Equity Prime Mortgage LLC
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FHA, VA, USDA | 4 | 0.8% | 100% | $237,500 | |
Union Home Mortgage Corp.
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Conventional, FHA | 4 | 0.8% | 80% | $215,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional, FHA | 4 | 0.8% | 100% | $350,000 | View |
Mutual of Omaha Mortgage
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Conventional, VA | 4 | 0.8% | 100% | $195,000 | |
Reliance First Capital, LLC
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Conventional, FHA | 4 | 0.8% | 100% | $217,500 | |
Atlantic Coast Mortgage, LLC
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Conventional | 3 | 0.6% | 100% | $221,666 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 3 | 0.6% | 100% | $171,666 | |
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A+5.0 ★Texas Ratio: 2.20% |
FHA | 3 | 0.6% | 100% | $188,333 | View |
Nationstar Mortgage
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Conventional, Jumbo | 3 | 0.6% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, FHA | 3 | 0.6% | 100% | $288,333 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 0.6% | 100% | $188,333 | View |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, Jumbo | 3 | 0.6% | 100% | $695,000 | View |
Village Capital & Investment
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FHA, VA | 3 | 0.6% | 50% | $221,666 | |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 0.4% | 75% | $205,000 | |
ALCOVA Mortgage, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $340,000 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $140,000 | |
PHH Mortgage Corporation
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Conventional, FHA | 2 | 0.4% | 100% | $315,000 | |
AdvantageFirst Lending Inc
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Conventional, VA | 2 | 0.4% | 66.7% | $210,000 | |
American Financial Network, Inc.
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FHA | 2 | 0.4% | 100% | $240,000 | |
Oceanside Mortgage Company
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FHA | 2 | 0.4% | 100% | $255,000 | |
Towne Mortgage Company
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Conventional | 2 | 0.4% | 100% | $435,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 0.4% | 66.7% | $245,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 2 | 0.4% | 100% | $190,000 | View |
JMAC Lending, Inc.
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Conventional, FHA | 2 | 0.4% | 100% | $140,000 | |
Cadence Bank
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Conventional | 1 | 0.2% | 100% | $715,000 | |
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A+5.0 ★Texas Ratio: 3.36% |
FHA | 1 | 0.2% | 100% | $285,000 | View |
Primelending
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FHA | 1 | 0.2% | 100% | $285,000 | |
Primary Residential Mortgage, INC.
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FHA | 1 | 0.2% | 100% | $225,000 | |
Goodleap, LLC
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Conventional | 1 | 0.2% | 100% | $85,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
USDA | 1 | 0.2% | 100% | $195,000 | View |
Everett Financial, Inc.
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FHA | 1 | 0.2% | 100% | $395,000 | |
Success Lending, LLC
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FHA | 1 | 0.2% | 100% | $215,000 | |
Envoy Mortgage, Ltd
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FHA | 1 | 0.2% | 100% | $295,000 | |
Howard Hanna Financial Services, Inc
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Conventional | 1 | 0.2% | 100% | $105,000 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional | 1 | 0.2% | 100% | $205,000 | View |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.2% | 100% | $415,000 | View |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 1 | 0.2% | 100% | $265,000 | View |
Amerisave Mortgage Company
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FHA | 1 | 0.2% | 11.1% | $205,000 | |
Fidelity Direct Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $305,000 | |
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A5.0 ★Texas Ratio: 13.21% |
FHA | 1 | 0.2% | 100% | $295,000 | View |
Nqm Funding, LLC
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Conventional | 1 | 0.2% | 100% | $745,000 | |
Mortgage Assurance Inc
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FHA | 1 | 0.2% | 100% | $455,000 | |
Success Mortgage Partners, Inc
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Conventional | 1 | 0.2% | 100% | $85,000 | |
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A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 0.2% | 100% | $95,000 | View |
ClearPath Lending
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VA | 1 | 0.2% | 50% | $405,000 | |
Strong Home Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $305,000 | |
New Day Financial, LLC.
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VA | 1 | 0.2% | 100% | $195,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.2% | 100% | $195,000 | View |
Evergreen Moneysource Mortgage Company
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FHA | 1 | 0.2% | 100% | $245,000 | |
Franklin Loan Corporation
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Conventional | 1 | 0.2% | 100% | $405,000 | |
Waterstone Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $195,000 | |
Integrity Home Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $175,000 | |
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A5.0 ★Texas Ratio: 6.31% |
Conventional | 1 | 0.2% | 100% | $255,000 | |
Milend, Inc
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FHA | 1 | 0.2% | 100% | $235,000 | |
The Mortgage Firm
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FHA | 1 | 0.2% | 100% | $255,000 | |
Member First Mortgage, LLC
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FHA | 1 | 0.2% | 50% | $195,000 | |
Mortgage Solutions of Colorado
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FHA | 1 | 0.2% | 100% | $115,000 | |
Keystone Funding, Inc
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Conventional | 1 | 0.2% | 100% | $635,000 | |
Summit Funding.Inc
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FHA | 1 | 0.2% | 100% | $485,000 | |
Prosperity Home Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $255,000 | |
Summit Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $305,000 | |
Lower, LLC
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Conventional | 1 | 0.2% | 66.7% | $195,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.2% | 100% | $375,000 | View |
Geneva Financial LLC
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FHA | 1 | 0.2% | 100% | $185,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 0.2% | 60% | $115,000 | |
Mortgage Investors Group
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FHA | 1 | 0.2% | 100% | $325,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.2% | 75% | $175,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.2% | 100% | $115,000 | |
Sharonview Federal CU
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HELOC | 0 +15 HELOCs |
0% | 0% | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
American Airlines Federal Cred
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HELOC | 0 +1 HELOCs |
0% | 100% | ||
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A+5.0 ★Texas Ratio: 2.15% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 0.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
Shelby 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 Shelby, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Shelby? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Shelby in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Shelby, NC
Use these to narrow the list above. Each category shows how many Shelby, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Shelby, NC
Independent mortgage companies closed 68.1 percent of home loans in Shelby, North Carolina in 2025, banks 14.3 percent and credit unions 17.7 percent. American Security Mortgage Cor was the largest mortgage company, HomeTrust Bank the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, HomeTrust Bank led with 8 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 Shelby, NC
By home loans closed in 2025, HomeTrust Bank was the largest mortgage lender in Shelby, North Carolina with 8 loans, about 1.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Shelby, North Carolina, Rocket Mortgage approved the highest share of completed applications in 2025 at 80.6 percent, against a 75.4 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.
59 lenders closed FHA loans in Shelby, North Carolina in 2025, led by Rocket Mortgage with 15. 22 lenders closed VA loans, led by Mortgage Research Center, and 7 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. 39 banks and 11 credit unions closed home loans in Shelby, North Carolina in 2025, alongside 74 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 Shelby, 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 Shelby, 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 Shelby. 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.
