CHARLOTTE - CONCORD - GASTONIA Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Charlotte - Concord - Gastonia averaged 6.76% for the week of 2024-06-06, compared to the national average of 6.99% for the same period.

The average rate for the prior week (2024-05-30) was 6.8% and one month ago for the week of 2024-05-02, the average rate was 6.99%.

Charlotte - Concord - Gastonia's average rate one year ago was 6.66%.

For refis of the same type during the week of 2024-06-06, the average rate was 7.72%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-06-06 6.99%
Charlotte - Concord - Gastonia 30 Year Fixed Rate 2024-06-06 6.76%
Charlotte - Concord - Gastonia 30 Year Fixed Rate Refi 2024-06-06 7.72%
Charlotte - Concord - Gastonia 15 Year Fixed Rate 2024-06-06 6.29%
Charlotte - Concord - Gastonia 15 Year Fixed Rate Refi 2024-06-06 6.23%
Charlotte - Concord - Gastonia 30 Year FHA 2024-06-06 6.23%
Charlotte - Concord - Gastonia 30 Year FHA Refi 2024-06-06 6.49%
Charlotte - Concord - Gastonia 30 Year USDA 2024-06-06 6.19%
Charlotte - Concord - Gastonia 30 Year USDA Refi 2024-06-06 6.8%
Charlotte - Concord - Gastonia 30 Year VA 2024-06-06 6.27%
Charlotte - Concord - Gastonia 30 Year VA Refi 2024-06-06 5.44%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within CHARLOTTE-CONCORD-GASTONIA, NC-SC.

CHARLOTTE - CONCORD - GASTONIA Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the CHARLOTTE-CONCORD-GASTONIA, NC-SC market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
MOVEMENT MORTGAGE, LLC 1,979 6.76% $6,460
QUICKEN LOANS, LLC 1,947 6.74% $7,058
UNITED WHOLESALE MORTGAGE, LLC 1,570 6.73% $7,466
STATE EMPLOYEES' 1,469 5.87% $4,391
American Security Mortgage Corp. 1,012 6.63% $5,694
LOANDEPOT.COM, LLC 887 6.16% $6,574
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 864 6.85% $5,969
Wells Fargo Bank 852 6.34% $4,295
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 773 6.87% $7,598
Bank of America 732 6.16% $4,577
NVR Mortgage Finance, Inc. 715 6.19% $6,843
Truist 706 6.34% $5,915
EAGLE HOME MORTGAGE, LLC 593 6.44% $3,850
JPMorgan Chase Bank 539 6.54% $5,078
FOUNDERS FEDERAL CREDIT UNION 536 6.48% $4,035
CROSSCOUNTRY MORTGAGE, LLC 424 6.84% $8,307
DHI MORTGAGE COMPANY, LTD. 408 5.85% $1,166
PULTE MORTGAGE LLC 349 6.41% $2,460
South Pacific Financial Corporation 319 6.44% $5,720
MATTAMY HOME FUNDING, LLC 288 6.11% $3,806
First-Citizens Bank & Trust Company 263 6.29% $4,634
M/I FINANCIAL, LLC 253 6.50% $10,114
PROVIDENT FUNDING ASSOCIATES, L.P. 253 6.50% $4,841
South State Bank 225 6.60% $6,172
LOCAL GOVERNMENT FEDERAL CREDIT UNION 215 5.92% $4,329
PENNYMAC LOAN SERVICES, LLC 204 6.79% $7,496
SeaTrust Mortgage Company 198 6.69% $7,365
U.S. Bank 198 6.47% $5,184
HOWARD HANNA FINANCIAL SERVICES, INC. 192 6.89% $4,317
GUILD MORTGAGE COMPANY 191 6.95% $6,828
CMG MORTGAGE, INC. 185 6.41% $6,613
Towne Bank 171 6.64% $8,292
Regions Bank 160 6.38% $5,947
NAVY FEDERAL CREDIT UNION 153 6.37% $5,434
Northpointe Bank 152 6.92% $8,104
TD Bank 152 6.12% $5,140
Uwharrie Bank 150 6.84% $4,327
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 147 6.87% $6,270
BROKER SOLUTIONS, INC. 143 6.75% $8,752
First National Bank of Pennsylvania 140 6.27% $5,247
Fifth Third Bank 140 6.62% $5,004
LATINO COMMUNITY CREDIT UNION 138 6.45% $4,889
First Federal Bank 135 6.39% $5,133
Mr. Cooper ( Nationstar Mortgage ) 133 6.65% $8,578
Pinnacle Bank 126 6.55% $5,430
PRIMELENDING, A PLAINSCAPITAL COMPANY 120 6.65% $9,303
CHARLOTTE METRO FEDERAL CREDIT UNION 120 6.31% $5,386
GUARANTEED RATE AFFINITY, LLC 116 6.78% $5,841
INSPIRE HOME LOANS INC. 116 6.81% $6,800
CARDINAL FINANCIAL 116 6.72% $7,248
Atlantic Coast Mortgage, LLC 114 6.70% $6,917
GUARANTEED RATE, INC. 112 6.60% $6,263
Alcova Mortgage LLC 107 7.01% $5,746
NBKC BANK 107 6.54% $4,814
RAPID MORTGAGE COMPANY 104 6.81% $8,255
NEWREZ LLC 100 6.71% $7,728
First Heritage Mortgage, LLC 99 6.79% $8,789
AMERISAVE MORTGAGE CORPORATION 98 6.36% $9,768
Truliant Federal Credit Union 93 6.60% $4,745
Morgan Stanley Private Bank 93 5.76% $4,111
UNION HOME MORTGAGE CORP. 93 6.87% $5,853
Ameris Bank 93 6.79% $6,184
PNC Bank 90 6.41% $5,246
FREEDOM MORTGAGE CORPORATION 88 6.99% $7,911
TBI MORTGAGE COMPANY 81 6.66% $11,350
First Horizon Bank 80 6.23% $5,684
INTERCOASTAL MORTGAGE COMPANY 79 6.71% $7,821
Citizens Bank 79 6.31% $8,348
TJC Mortgage, Inc. 78 6.99% $8,184
BETTER MORTGAGE CORPORATION 74 6.19% $6,258
Flagstar Bank, FSB 73 7.15% $7,357
ACADEMY MORTGAGE CORPORATION 72 7.02% $6,511
VANDERBILT MORTGAGE AND FINANCE, INC. 71 7.42% $5,307
PRIMARY RESIDENTIAL MORTGAGE, INC. 69 6.74% $8,708
ZILLOW HOME LOANS, LLC 68 7.14% $6,410
AMERICAN PACIFIC MORTGAGE CORPORATION 68 6.67% $7,484
Wyndham Capital Mortgage, Inc. 67 6.24% $5,274
PREMIER LENDING, INC. 66 7.04% $6,848
DIGITAL Federal Credit Union 65 5.27% $5,028
Ally Bank 64 6.48% $6,290
United Community Bank 63 6.56% $4,671
Prosperity Home Mortgage, LLC 63 6.81% $6,813
MUTUAL OF OMAHA MORTGAGE, INC. 62 6.78% $8,251
CORNERSTONE HOME LENDING, INC. 62 6.66% $7,132
Plains Commerce Bank 56 6.86% $6,469
Allen Tate Mortgage Partners, LLC 56 6.36% $4,830
NFM, INC. 54 6.90% $7,412
Citibank 54 5.46% $5,622
USAA Federal Savings Bank 53 6.62% $6,102
T2 FINANCIAL LLC 50 7.02% $6,654
BAY EQUITY LLC 49 6.68% $7,451
ALLEGACY FEDERAL CREDIT UNION 48 5.27% $4,962
RELIANCE FIRST CAPITAL, LLC 48 7.03% $8,604
Renasant Bank 47 6.87% $5,316
First Bank 47 3.41% $2,233
HOMESIDE FINANCIAL, LLC 44 7.00% $6,023
HOMEBRIDGE FINANCIAL SERVICES, INC. 41 6.50% $6,173
KBHS HOME LOANS, LLC 41 6.65% $7,279
FBC MORTGAGE, LLC 40 6.57% $7,505
Dollar Bank, Federal Savings Bank 39 6.53% $7,436
Third Federal Savings and Loan Association of Cleveland 39 5.74% $2,394
JET HOMELOANS, LLC 38 6.79% $7,507
HomeTrust Bank 38 3.51% $2,188
MICHIGAN MUTUAL, INC. 37 6.38% $9,435
C & F Mortgage Corporation 37 6.72% $4,666
CAPITAL CENTER, L.L.C. 36 6.92% $2,498
The Huntington National Bank 36 6.31% $6,068
Mortgage Research Center, LLC 35 6.75% $5,916
ON Q FINANCIAL, INC. 35 6.78% $7,337
First National Bank of America 35 9.96% $10,482
PREMIA MORTGAGE, LLC 34 6.46% $1,970
American Mortgage & Equity Consultants, Inc. 34 7.04% $7,443
CHURCHILL MORTGAGE CORPORATION 34 7.06% $7,511
Gateway First Bank 34 6.74% $5,225
COASTAL Federal Credit Union 33 6.40% $4,672
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 32 6.65% $8,897
NexBank 30 7.28% $7,446
United Bank 30 4.83% $4,006
NEXERA HOLDING LLC 29 9.02% $13,947
LEGEND LENDING CORPORATION 29 7.08% $9,951
PENTAGON FEDERAL CREDIT UNION 28 6.31% $5,270
Charles Schwab Bank, SSB 28 5.61% $4,816
EVERETT FINANCIAL, INC. 28 7.03% $10,691
Blue Ridge Bank 27 7.13% $7,432
AMERICAN FINANCIAL NETWORK, INC. 27 6.94% $9,149
General Mortgage Capital Corporation 27 6.77% $4,880
Peoples Bank 26 6.59% $5,225
THRIVE MORTGAGE, LLC 25 6.94% $7,532
Shea Mortgage Inc. 25 6.76% $2,396
SIRVA MORTGAGE, INC. 24 6.55% $2,165
The Fidelity Bank 24 6.53% $7,064
AgFirst Farm Credit Bank 24 6.96% $6,725
HOMEOWNERS FINANCIAL GROUP USA, LLC 23 6.98% $7,141
The Park National Bank 23 6.91% $5,435
Stifel Bank and Trust 23 5.78% $3,350
Kwik Mortgage Corporation 22 6.61% $3,403
GSF Mortgage Corporation 22 6.40% $5,249
Discover Bank 21 6.84% $0
SOUTH CAROLINA FEDERAL CREDIT UNION 21 6.21% $11,232
CREDIT UNION MORTGAGE ASSOCIATION, INC. 20 5.83% $3,912
Century Mortgage Company DBA Century Lending Company 20 7.17% $7,012
UBS Bank USA 20 6.15% $5,950
DIRECT MORTGAGE LOANS, LLC 20 6.57% $7,966
ROYAL UNITED MORTGAGE LLC 19 7.47% $9,322
Southern First Bank 19 6.66% $4,931
PLAZA HOME MORTGAGE, INC. 19 6.83% $9,265
Raymond James Bank 18 5.60% $3,689
MID AMERICA MORTGAGE, INC. 18 6.95% $18,967
First Community Bank 17 6.35% $5,925
ACOPIA, LLC 17 6.66% $11,354
Barrington Bank & Trust Company, N.A. 16 6.98% $6,115
UNITED 16 6.59% $4,752
CALCON MUTUAL MORTGAGE LLC 16 6.78% $9,423
DEEPHAVEN MORTGAGE LLC 16 8.67% $17,320
OPEN MORTGAGE, LLC 15 7.31% $7,752
NJ LENDERS CORP. 15 6.87% $4,733
Wolfe Financial, Inc 14 6.53% $7,228
Paramount Residential Mortgage Group, Inc. 14 7.03% $10,684
LAKEVIEW LOAN SERVICING, LLC 14 6.58% $8,565
NTFN, INC. 14 7.09% $5,941
FINANCIAL RESOURCES FEDERAL CREDIT UNION 14 5.27% $4,053
GoPrime Mortgage, Inc. 13 6.91% $5,852
City National Bank 13 6.70% $5,205
CRESCENT MORTGAGE COMPANY 13 7.04% $4,427
North American Savings Bank, F.S.B. 13 7.42% $6,718
First Savings Bank 13 6.67% $8,104
HOMESTAR FINANCIAL CORPORATION 13 6.99% $6,416
Farmers Bank & Trust 13 6.43% $4,639
Citadel Servicing Corporation 13 9.56% $16,459
M&T Bank 12 6.66% $4,460
AMERICAN FEDERAL MORTGAGE CORPORATION 12 6.81% $3,603
ANGEL OAK MORTGAGE SOLUTIONS LLC 12 8.59% $16,811
Capital Bank 12 6.73% $5,838
Carrington Mortgage Services, LLC 12 6.27% $6,816
CONTOUR MORTGAGE CORPORATION 12 6.54% $10,379
Integrity Home Mortgage Corp 12 6.97% $6,323
Mortgage Assurance Inc. 12 6.73% $7,934
The Loan Store, Inc. 12 7.11% $7,002
SECURITYNATIONAL MORTGAGE COMPANY 11 7.42% $7,528
RBC Bank, (Georgia) 11 5.76% $2,710
EMBRACE HOME LOANS, INC. 11 6.65% $8,709
NEW FED MORTGAGE, CORP. 11 6.98% $7,336
TOP FLITE FINANCIAL, INC. 11 7.00% $10,757
The Federal Savings Bank 11 7.14% $10,018
DEVELOPER'S MORTGAGE COMPANY 11 6.35% $4,345
LENOX FINANCIAL MORTGAGE CORPORATION 11 6.25% $6,753
OCMBC, INC. 10 9.30% $11,751
Strong Home Mortgage, LLC 10 6.75% $5,152
NP, Inc. 10 8.06% $10,942
CALIBER HOME LOANS, INC. 10 6.63% $5,756
FIRST HOME MORTGAGE CORPORATION 10 6.95% $5,853
VAN DYK MORTGAGE CORPORATION 10 6.61% $6,050
AmeriHome Mortgage Company, LLC 10 6.76% $8,689
HSBC BANK USA, NATIONAL ASSOCIATION 9 5.77% $5,099
FIRST COMMUNITY MORTGAGE, INC. 9 7.96% $7,052
East Coast Capital Corp. 9 7.62% $8,705
GUIDANCE RESIDENTIAL, LLC 9 7.06% $6,061
The Central Trust Bank 9 6.78% $3,150
American Airlines Federal Credit Union 9 5.76% $0
EMM LOANS LLC 9 6.92% $8,664
ANGEL OAK HOME LOANS LLC 8 7.77% $8,336
Equity Prime Mortgage LLC 8 6.45% $9,954
Victorian Finance, LLC 8 7.26% $5,044
CORNING 8 6.47% $3,769
AMERICAN HERITAGE LENDING, INC. 8 8.70% $12,425
SUN WEST MORTGAGE COMPANY, INC. 8 6.95% $6,008
BMO Harris Bank 8 6.23% $5,040
Princeton Mortgage Corporation 8 6.56% $10,846
First Palmetto Bank 7 6.33% $3,732
Goldman Sachs Bank USA 7 6.21% $4,752
ServisFirst Bank 7 7.23% $4,073
EQUITY RESOURCES, INC. 7 7.09% $5,043
Beeline Loans, Inc. 7 7.12% $7,080
HOMESTEAD FUNDING CORP. 7 6.23% $3,673
ALLIED MORTGAGE GROUP, INC. 7 6.57% $3,768
ALLIANT CREDIT UNION 7 6.21% $5,518
MORTGAGE ACCESS CORP. 7 6.87% $11,872
UIF CORPORATION 7 6.95% $5,773
United Nations Federal Credit Union 7 6.20% $3,951
HOMEXPRESS MORTGAGE CORP. 7 8.59% $10,148
Nations Lending Corporation 7 6.93% $6,868
WINGS FINANCIAL 7 6.14% $3,596
GENEVA FINANCIAL, LLC 7 6.88% $14,303
First Reliance Bank 7 6.71% $6,391
LADERA LENDING, INC. 7 6.78% $6,828
CAROLINAS TELCO FEDERAL CREDIT UNION 6 7.76% $6,242
FIRST ALLIANCE HOME MORTGAGE, LLC 6 6.48% $3,991
North State Bank 6 6.46% $5,743
FIRST TECHNOLOGY 6 7.10% $3,656
DRAPER AND KRAMER MORTGAGE CORP. 6 7.14% $7,393
AMERICAN FINANCING CORPORATION 6 6.23% $7,178
ENVOY MORTGAGE, LTD 6 6.60% $4,796
Lakeview Community Capital, LLC 6 6.63% $7,362
Synovus Bank 6 6.88% $6,122
LENDSURE MORTGAGE CORP. 6 7.94% $17,127
Baxter Credit Union 6 6.23% $8,137
Corporate Investors Mortgage Group, Inc. 6 6.31% $4,855
MLD MORTGAGE INC. 6 6.31% $3,731
Bank of England 6 7.06% $7,454
KeyBank 6 6.33% $5,573
INTERLINC MORTGAGE SERVICES, LLC 6 6.71% $4,907
Sierra Pacific Mortgage Company, Inc. 6 7.06% $7,123
Neighborhood Loans, Inc. 5 6.90% $6,561
LOANPAL, LLC 5 6.58% $9,125
ARC HOME LLC 5 8.50% $9,989
Magnolia Bank 5 6.40% $8,475
Evolve Bank & Trust 5 6.75% $4,840
Univest Bank and Trust Co. 5 6.80% $5,823
Waterstone Mortgage Corporation 5 6.58% $12,380
PHH Mortgage Corporation 5 7.33% $4,901
PLUS RELOCATION MORTGAGE, LLC 5 7.42% $4,739
PLANET HOME LENDING, LLC 5 7.02% $7,710
RUOFF MORTGAGE COMPANY, INC. 5 6.03% $5,260
Bethpage Federal Credit Union 5 6.58% $5,524
THE EQUITABLE MORTGAGE CORPORATION 5 7.15% $3,872
AMERICAN FINANCE HOUSE LARIBA 5 6.58% $3,485
NORTHERN MORTGAGE SERVICES, LLC 5 6.87% $6,871
INTERNATIONAL CITY MORTGAGE, INC. 5 5.38% $12,746
Platinum Home Mortgage Corporation 5 6.85% $11,056
Arthur State Bank 5 6.98% $8,201
MILEND, INC. 5 6.48% $9,889
CANOPY MORTGAGE, LLC 5 6.17% $8,114
CHERRY CREEK MORTGAGE, LLC 5 7.10% $721
George Mason Mortgage, LLC 5 6.53% $5,117
NETWORK CAPITAL FUNDING CORPORATION 5 6.68% $8,246
FirstBank 5 6.93% $4,062
ENCORE BANK 4 2.19% $3,436
BAY-VALLEY MORTGAGE GROUP 4 7.25% $10,347
SCIENT Federal Credit Union 4 5.31% $3,496
NATIONWIDE MORTGAGE BANKERS, INC. 4 7.44% $7,421
BNY Mellon 4 5.69% $4,721
DELMAR FINANCIAL COMPANY 4 7.19% $4,919
HOMESPIRE MORTGAGE CORPORATION 4 7.34% $6,878
MORTGAGE INVESTORS GROUP, INC. 4 7.50% $4,125
CIBC Bank USA 4 5.44% $6,691
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 4 7.06% $5,546
UNITED NORTHERN MORTGAGE BANKERS LIMITED 4 6.66% $5,440
Carter Bank & Trust 4 6.97% $7,275
CASTLE & COOKE MORTGAGE, LLC 4 7.50% $7,599
TOTAL MORTGAGE SERVICES, LLC 4 6.69% $9,065
Ixonia Bank 4 7.16% $10,536
Florida Capital Bank 4 6.31% $4,032
Heritage Bank 4 6.28% $5,754
Commerce Home Mortgage, Inc. 4 8.81% $18,957
RESOURCE FINANCIAL SERVICES, INC. 4 7.09% $8,020
SAFE FEDERAL CREDIT UNION 4 6.25% $3,377
TEACHERS 4 6.28% $6,220
GREENSTATE CREDIT UNION 4 6.59% $4,105
AMERICAN INTERNET MORTGAGE, INC. 4 7.03% $3,728
A&D Mortgage LLC 4 9.15% $14,047
Assurance Financial Group, L.L.C. 4 6.88% $6,242
Quontic Bank 4 8.94% $15,829
Watermark Capital, Inc. 4 7.15% $5,131
Countybank 3 5.91% $6,270
Simmons Bank 3 6.21% $4,776
AMERITRUST MORTGAGE CORPORATION 3 8.83% $10,947
Preston Home Loans Inc 3 6.88% $6,786
SOUTHPOINT FINANCIAL SERVICES, INC. 3 7.16% $8,243
American National Bank and Trust Company 3 6.42% $5,802
HALLMARK HOME MORTGAGE, LLC 3 6.33% $13,034
BOKF 3 7.25% $6,220
SUMMIT FUNDING, INC. 3 7.29% $9,594
ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 6.99% $7,359
Metro City Bank 3 7.38% $6,373
OAKTREE FUNDING CORP. 3 8.46% $12,214
BNC National Bank 3 5.79% $3,894
ONY GLO, INC. 3 6.46% $5,824
Union Savings Bank 3 6.17% $3,737
AgSouth Farm Credit, ACA 3 8.41% $1,844
MORTGAGE EQUITY PARTNERS LLC 3 7.83% $8,371
UNITED PREMIER FUNDING, LLC 3 7.46% $5,033
US MORTGAGE CORPORATION 3 7.46% $7,984
Arvest Bank 3 6.54% $4,020
Cornerstone First Mortgage, Inc 3 6.91% $11,521
NMSI, INC. 3 7.33% $7,333
ROSS MORTGAGE CORPORATION 3 6.25% $7,558
Valley National Bank 2 6.69% $4,211
FIRST COLONY MORTGAGE CORPORATION 2 7.81% $9,796
First Federal Savings and Loan Association of Lakewood 2 6.12% $4,416
ABERDEEN PROVING GROUND FEDERAL CREDIT UNION 2 5.94% $7,663
Palmetto Citizens Federal Credit Union 2 6.25% $5,036
COMPASS MORTGAGE, INC. 2 7.13% $5,949
Leader Bank 2 6.37% $5,620
United Fidelity Funding Corp. 2 7.56% $12,683
Advisors Mortgage Group, L.L.C. 2 6.50% $5,665
AFFINITY 2 7.94% $3,049
ALAMEDA MORTGAGE CORPORATION 2 7.06% $5,564
Mortgage Bank of California 2 8.25% $10,465
First Piedmont Federal Savings and Loan Association of Gaffney 2 5.69% $6,147
UNIFY FINANCIAL Credit Union 2 6.95% $7,013
Alerus Financial 2 6.19% $5,580
LIBERTY HOME MORTGAGE CORPORATION 2 7.50% $6,495
Bank OZK 2 7.88% $5,008
CapStar Bank 2 7.56% $3,564
21ST MORTGAGE CORPORATION 2 7.73% $6,324
Capital City Home Loans, LLC 2 6.50% $5,178
TOWNE MORTGAGE COMPANY 2 7.31% $16,325
Colonial Savings, F.A. 2 6.38% $8,025
Tidewater Home Funding, LLC 2 6.81% $9,091
AMCAP MORTGAGE, LTD. 2 6.88% $16,969
AmRes Corporation 2 8.50% $7,723
CITIZENS EQUITY FIRST 2 5.88% $2,067
MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION 2 6.06% $4,297
City National Bank of Florida 2 7.19% $2,911
JUSTICE Federal Credit Union 2 6.75% $4,474
Meridian Bank Corporation 2 6.50% $4,073
Northwest Federal Credit Union 2 6.00% $3,478
DAS Acquisition Company, LLC 2 6.63% $7,096
FORT FINANCIAL Federal Credit Union 2 6.50% $3,565
REV FEDERAL CREDIT UNION 2 6.38% $11,283
SHELTER HOME MORTGAGE, LLC 2 7.38% $7,963
First State Bank of St. Charles, Missouri 2 6.75% $3,856
Suncoast Credit Union 2 4.69% $3,023
S1L, Inc. 2 6.50% $13,102
BancorpSouth 2 6.19% $5,831
Axos Bank 2 6.81% $12,574
SOUTHERN TRUST MORTGAGE, LLC 2 5.94% $7,551
Community First Bank, Inc. 2 6.98% $4,893
RESIDENTIAL HOME FUNDING CORP. 2 6.88% $4,010
ABSOLUTE HOME MORTGAGE CORPORATION 2 7.44% $4,693
FIRST SAVINGS MORTGAGE CORPORATION 2 7.00% $8,080
Atlantic Union Bank 2 6.75% $4,320
CERTAINTY HOME LOANS, LLC 2 6.38% $5,155
Tyndall Federal Credit Union 1 7.38% $5,355
Financial Federal Bank 1 6.25% $3,805
FIDELITY DIRECT MORTGAGE, LLC 1 7.38% $6,532
First Federal Bank, A FSB 1 5.75% $5,453
First Financial Bank 1 7.13% $2,557
Fidelity Bank 1 6.00% $3,152
FEDERATED MORTGAGE CORP. 1 5.99% $2,673
First Merchants Bank 1 6.63% $3,348
FIRST MORTGAGE COMPANY, INC. 1 6.25% $5,640
First National Bank of Omaha 1 7.38% $4,177
FIRST NORTHERN Credit Union 1 7.50% $4,287
First Option Mortgage, LLC 1 7.38% $7,836
First Republic Bank 1 5.40% $779
Firstrust Savings Bank 1 5.50% $8,856
First United Bank and Trust Company 1 6.88% $3,825
FLAT BRANCH MORTGAGE, INC. 1 5.99% $7,379
FRANKLIN MINT 1 5.50% $3,170
FREEDOM FIRST 1 6.75% $3,506
Encompass Lending Group, LP 1 6.95% $11,913
Empower Federal Credit Union 1 6.63% $4,847
GEO-CORP, INC. 1 6.88% $6,817
GOOGAIN, INC. 1 7.13% $9,643
EASTMAN 1 6.00% $5,924
Grand Bank for Savings, FSB 1 9.00% $8,767
Great Southern Bank 1 8.50% $3,325
GROUP MORTGAGE, LLC 1 6.13% $5,171
Grow Financial Federal Credit Union 1 5.63% $4,035
GVC MORTGAGE, INC. 1 7.20% $6,997
HARTFORD FUNDING, LTD. 1 5.75% $21,177
Heartland Bank 1 7.50% $4,233
Deere Employees Credit Union 1 6.88% $4,766
DATA MORTGAGE, INC. 1 5.75% $11,969
CPM Federal Credit Union 1 6.99% $8,134
HONDA Federal Credit Union 1 7.00% $2,969
Horizon Bank 1 8.00% $3,300
HUNT MORTGAGE CORPORATION 1 6.88% $10,844
INOVA FEDERAL CREDIT UNION 1 6.50% $50
INTERCAP LENDING INC. 1 7.99% $5,948
Connexus Credit Union 1 6.74% $2,984
IVY MORTGAGE, INC. 1 7.13% $2,235
JET DIRECT FUNDING CORP 1 5.75% $5,008
JMAC LENDING, INC. 1 8.38% $8,342
COMMUNITY FIRST CREDIT UNION OF FLO 1 6.75% $2,124
Keystone Funding, Inc. 1 6.88% $5,132
KINECTA 1 5.50% $5,780
COMMUNITYAMERICA 1 5.25% $4,001
LAKE MICHIGAN CREDIT UNION 1 5.50% $3,529
LAND HOME FINANCIAL SERVICES, INC. 1 7.63% $8,312
Landmark National Bank 1 6.13% $3,673
LANGLEY 1 6.13% $5,167
Comerica Bank 1 5.25% $11,937
LEADERONE FINANCIAL CORPORATION 1 7.99% $4,512
CNB Bank And Trust, N.A. 1 6.69% $2,931
CLIFFCO, INC. 1 8.12% $4,034
MASON MCDUFFIE MORTGAGE CORPORATION 1 8.63% $4,181
MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION 1 5.00% $3,201
CityWorth Mortgage LLC 1 5.88% $22,377
MAYO EMPLOYEES FEDERAL CREDIT UNION 1 6.25% $6,734
MDE Home Loans, LLC 1 6.50% $3,838
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 6.13% $8,910
MEMBER ADVANTAGE MORTGAGE, LLC 1 6.75% $6,559
MEMBERS HERITAGE Credit Union 1 6.63% $6,383
Merchants Bank 1 6.53% $11,691
MICHIGAN FIRST CREDIT UNION 1 6.63% $5,888
Mid-Atlantic Federal Credit Union 1 6.00% $2,715
MLB RESIDENTIAL LENDING, LLC 1 7.13% $18,234
MORIA DEVELOPMENT, INC. 1 6.63% $10,032
York Traditions Bank 1 6.50% $10,003
Mortgage Lenders Investment Trading Corporation 1 7.38% $7,354
Champion Credit Union 1 6.38% $8,194
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 6.75% $6,929
Cf Bank 1 6.99% $3,294
1st National Bank 1 7.00% $2,905
NATIONS RELIABLE LENDING, LLC 1 7.50% $5,864
NET 1 5.88% $5,508
Network Funding, L.P. 1 5.63% $9,879
Capitol Federal Savings Bank 1 5.88% $5,392
NEXTIER BANK, NATIONAL ASSOCIATION 1 6.75% $3,551
Nicolet National Bank 1 6.50% $2,405
Byline Bank 1 6.38% $7,596
NORTHEAST HOME LOAN, LLC 1 6.13% $7,588
BOND STREET MORTGAGE, LLC 1 6.99% $8,131
NORWICH COMMERCIAL GROUP, INC. 1 6.88% $10,338
OCEANSIDE MORTGAGE COMPANY 1 5.75% $6,442
BM Real Estate Services, Inc. 1 6.50% $4,964
Paramount Bank 1 7.75% $3,041
BANKSOUTH MORTGAGE COMPANY, LLC 1 6.63% $6,979
POINT Mortgage 1 6.50% $8,969
AXIA FINANCIAL, LLC 1 6.88% $5,454
Aurora Financial, LLC 1 6.25% $5,494
PROPER RATE, LLC 1 5.99% $4,411
ATLANTA POSTAL 1 6.75% $3,803
Associated Credit Union 1 5.00% $0
RADIUS FINANCIAL GROUP INC. 1 7.63% $5,065
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 1 7.25% $5,849
Armed Forces Bank 1 7.13% $2,187
RESIDENTIAL BANCORP 1 8.38% $3,759
RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 7.13% $8,027
Apple Federal Credit Union 1 7.50% $7,101
Sandy Spring Bank 1 6.63% $12,078
S. C. STATE FEDERAL CREDIT UNION 1 5.75% $1,495
Security Federal Bank 1 6.63% $9,384
Servion, Inc. 1 7.63% $3,210
Shamrock Home Loans, Inc. 1 6.50% $3,685
Anderson Brothers Bank 1 7.00% $4,784
Signature Federal Credit Union 1 6.13% $7,023
South Atlantic Bank 1 7.25% $3,105
SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 6.88% $3,975
AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. 1 7.38% $6,015
SOUTHWEST STAGE FUNDING, LLC 1 6.90% $5,603
State Department Federal Credit Union 1 5.88% $4,573
STAUNTON FINANCIAL, INC. 1 6.62% $5,765
STOCKTON MORTGAGE CORPORATION 1 7.25% $9,656
Stock Yards Bank & Trust Company 1 6.13% $3,113
SUCCESS MORTGAGE PARTNERS, INC. 1 7.25% $7,556
SUFFOLK 1 7.13% $4,470
Summit Community Bank, Inc. 1 6.78% $6,275
SWBC MORTGAGE CORPORATION 1 6.50% $2,237
AMERICAN HERITAGE FCU 1 6.04% $2,510
TENNESSEE VALLEY 1 6.63% $11,867
The Bank of South Carolina 1 6.50% $3,611
AMERICAN FINANCIAL RESOURCES, INC. 1 6.25% $5,354
The Genoa Banking Company 1 6.25% $3,470
1ST SIGNATURE LENDING, LLC 1 5.88% $8,123
The Middlefield Banking Company 1 7.00% $3,656
The State Bank 1 6.75% $4,109
The Union Bank Company 1 6.13% $5,619
Amalgamated Bank 1 5.88% $4,961
TIDEWATER MORTGAGE SERVICES, INC. 1 6.38% $6,675
ALTURA 1 3.75% $2,651
TOWER 1 5.00% $3,691
ALLSOUTH 1 5.50% $0
Toyota Financial Savings Bank 1 6.70% $5,871
TRUMARK FINANCIAL CREDIT UNION 1 6.13% $3,848
UMB Bank 1 6.13% $3,739
UNION CAPITAL MORTGAGE CORPORATION 1 6.88% $7,028
United Community Bank 1 6.95% $3,006
ADVANCIAL 1 6.75% $12,098
USAlliance Federal Credit Union 1 6.75% $6,060
Actors Federal Credit Union 1 3.00% $8,265
Acre Mortgage and Financial Inc 1 6.63% $5,980
VERITAS FUNDING, LLC 1 7.38% $12,027
VILLAGE BANK MORTGAGE CORPORATION 1 5.88% $3,027
V.I.P. MORTGAGE, INC. 1 8.63% $10,504
WesBanco 1 6.63% $8,178
WEYCO COMMUNITY CREDIT UNION 1 4.60% $4,222
Willamette Valley Bank 1 6.00% $13,051
5TH STREET CAPITAL, INC. 1 9.38% $11,703
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION 1 4.75% $6,974
WRIGHT-PATT CREDIT UNION, INC. 1 6.75% $4,548
FIRST BANCORP 1 7.38% $9,233
First Bank 1 6.75% $15,273

CHARLOTTE - CONCORD - GASTONIA Average Closing Costs & Other Stats

CHARLOTTE-CONCORD-GASTONIA, NC-SC's 515 lenders originated 67,687 loans during 2023. The total origination value was $21,690,445,000, with an average loan value of $320,452.

CHARLOTTE - CONCORD - GASTONIA's average closing costs are $4,997.

The top CHARLOTTE - CONCORD - GASTONIA lender as defined by loan originations is MOVEMENT MORTGAGE, LLC, with 1,979 loans originated. Their average total fees are $6,460, which is $598 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee CHARLOTTE - CONCORD - GASTONIA lenders (with over 10 loans originated) are Discover Bank ($0), DHI MORTGAGE COMPANY, LTD. ($1,166), PREMIA MORTGAGE, LLC ($1,970), SIRVA MORTGAGE, INC. ($2,165) and HomeTrust Bank ($2,188).

The lowest rate CHARLOTTE - CONCORD - GASTONIA lenders (with over 10 loans originated) are First Bank (3.41%), HomeTrust Bank (3.51%), United Bank (4.83%), ALLEGACY FEDERAL CREDIT UNION (5.27%) and DIGITAL Federal Credit Union (5.27%).

CHARLOTTE-CONCORD-GASTONIA, NC-SC Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
MOVEMENT MORTGAGE, LLC $1,699,515,000 $1,071,015,000 -37.0% 4.9%
QUICKEN LOANS, LLC $1,811,525,000 $1,051,400,000 -42.0% 4.8%
UNITED WHOLESALE MORTGAGE, LLC $1,029,530,000 $984,310,000 -4.4% 4.5%
STATE EMPLOYEES' $1,108,735,000 $752,180,000 -32.2% 3.5%
Bank of America $1,025,390,000 $681,860,000 -33.5% 3.1%
Wells Fargo Bank $1,217,045,000 $631,770,000 -48.1% 2.9%
Truist $985,790,000 $587,580,000 -40.4% 2.7%
LOANDEPOT.COM, LLC $785,960,000 $566,855,000 -27.9% 2.6%
American Security Mortgage Corp. $679,205,000 $536,065,000 -21.1% 2.5%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $669,900,000 $455,115,000 -32.1% 2.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $636,210,000 $449,800,000 -29.3% 2.1%
NVR Mortgage Finance, Inc. $334,540,000 $377,675,000 12.9% 1.7%
First-Citizens Bank & Trust Company $526,605,000 $371,175,000 -29.5% 1.7%
JONES LANG LASALLE MULTIFAMILY, LLC $362,125,000 n/a 1.7%
DHI MORTGAGE COMPANY, LTD. $309,140,000 $297,380,000 -3.8% 1.4%
EAGLE HOME MORTGAGE, LLC $297,960,000 $278,125,000 -6.7% 1.3%
CROSSCOUNTRY MORTGAGE, LLC $348,005,000 $266,140,000 -23.5% 1.2%
First National Bank of Pennsylvania $280,620,000 $262,215,000 -6.6% 1.2%
JPMorgan Chase Bank $280,750,000 $256,670,000 -8.6% 1.2%
South State Bank $582,485,000 $228,110,000 -60.8% 1.1%
Arbor Realty Trust, Inc. $140,075,000 $223,010,000 59.2% 1.0%
FOUNDERS FEDERAL CREDIT UNION $404,435,000 $211,910,000 -47.6% 1.0%
Truliant Federal Credit Union $225,750,000 $206,220,000 -8.7% 1.0%
MATTAMY HOME FUNDING, LLC $139,100,000 $192,480,000 38.4% 0.9%
TD Bank $171,000,000 $181,310,000 6.0% 0.8%
South Pacific Financial Corporation $156,465,000 $181,265,000 15.9% 0.8%
Barings Multifamily Capital $180,160,000 n/a 0.8%
Fifth Third Bank $291,030,000 $174,700,000 -40.0% 0.8%
PULTE MORTGAGE LLC $220,020,000 $166,390,000 -24.4% 0.8%
PENNYMAC LOAN SERVICES, LLC $267,910,000 $162,185,000 -39.5% 0.7%
NAVY FEDERAL CREDIT UNION $202,150,000 $161,440,000 -20.1% 0.7%
PNC Bank $356,985,000 $157,600,000 -55.9% 0.7%
Mortgage Research Center, LLC $203,670,000 $156,945,000 -22.9% 0.7%
Towne Bank $243,750,000 $148,160,000 -39.2% 0.7%
U.S. Bank $168,775,000 $139,720,000 -17.2% 0.6%
Regions Bank $277,960,000 $136,975,000 -50.7% 0.6%
Pinnacle Bank $349,805,000 $134,265,000 -61.6% 0.6%
PROVIDENT FUNDING ASSOCIATES, L.P. $89,250,000 $128,805,000 44.3% 0.6%
BERKELEY POINT CAPITAL LLC $129,515,000 $127,135,000 -1.8% 0.6%
M/I FINANCIAL, LLC $139,915,000 $126,515,000 -9.6% 0.6%
SeaTrust Mortgage Company $109,740,000 $116,550,000 6.2% 0.5%
CMG MORTGAGE, INC. $64,680,000 $115,395,000 78.4% 0.5%
CHARLOTTE METRO FEDERAL CREDIT UNION $167,535,000 $112,995,000 -32.6% 0.5%
Citizens Bank $2,505,000 $112,080,000 4,374.3% 0.5%
Metropolitan Life Insurance Co $274,635,000 $108,330,000 -60.6% 0.5%
GUILD MORTGAGE COMPANY $109,915,000 $107,420,000 -2.3% 0.5%
Northpointe Bank $117,980,000 $105,965,000 -10.2% 0.5%
FREEDOM MORTGAGE CORPORATION $221,835,000 $103,900,000 -53.2% 0.5%
LOCAL GOVERNMENT FEDERAL CREDIT UNION $178,675,000 $103,535,000 -42.1% 0.5%
First Horizon Bank $177,305,000 $102,365,000 -42.3% 0.5%
Texas Capital Bank $100,005,000 n/a 0.5%
Uwharrie Bank $118,370,000 $98,240,000 -17.0% 0.5%
First Federal Bank $112,800,000 $87,925,000 -22.1% 0.4%
BROKER SOLUTIONS, INC. $146,910,000 $87,050,000 -40.7% 0.4%
Mr. Cooper ( Nationstar Mortgage ) $223,380,000 $84,725,000 -62.1% 0.4%
United Bank $40,965,000 $82,740,000 102.0% 0.4%
Flagstar Bank, FSB $273,160,000 $82,270,000 -69.9% 0.4%
CARDINAL FINANCIAL $147,845,000 $81,095,000 -45.1% 0.4%
HOWARD HANNA FINANCIAL SERVICES, INC. $79,160,000 n/a 0.4%
INSPIRE HOME LOANS INC. $72,695,000 $78,930,000 8.6% 0.4%
First Carolina Bank $124,715,000 $76,145,000 -38.9% 0.4%
WALKER & DUNLOP, LLC $183,565,000 $75,870,000 -58.7% 0.3%
LENDINGHOME FUNDING CORPORATION $95,695,000 $75,575,000 -21.0% 0.3%
Morgan Stanley Private Bank $72,250,000 $75,405,000 4.4% 0.3%
ORIX REAL ESTATE CAPITAL, LLC $74,650,000 n/a 0.3%
Peoples Bank $765,000 $74,495,000 9,637.9% 0.3%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $42,345,000 $71,570,000 69.0% 0.3%
Atlantic Coast Mortgage, LLC $15,250,000 $69,870,000 358.2% 0.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $114,060,000 $68,115,000 -40.3% 0.3%
GUARANTEED RATE, INC. $122,795,000 $67,970,000 -44.6% 0.3%
The Lincoln National Life Insurance Company $67,355,000 n/a 0.3%
GREYSTONE SERVICING COMPANY LLC $101,450,000 $65,405,000 -35.5% 0.3%
Carter Bank & Trust $66,545,000 $63,905,000 -4.0% 0.3%
GUARANTEED RATE AFFINITY, LLC $85,270,000 $63,575,000 -25.4% 0.3%
AMERISAVE MORTGAGE CORPORATION $245,140,000 $63,005,000