CHARLOTTE - CONCORD - GASTONIA Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Charlotte - Concord - Gastonia averaged 5.92% for the week of 2024-08-29, compared to the national average of 6.35% for the same period.

    The average rate for the prior week (2024-08-22) was 6.43% and one month ago for the week of 2024-07-25, the average rate was 6.75%.

    Charlotte - Concord - Gastonia's average rate one year ago was 7.1%.

    For refis of the same type during the week of 2024-08-29, the average rate was 6.98%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-08-29 6.35%
    Charlotte - Concord - Gastonia 30 Year Fixed Rate 2024-08-29 5.92%
    Charlotte - Concord - Gastonia 30 Year Fixed Rate Refi 2024-08-29 6.98%
    Charlotte - Concord - Gastonia 15 Year Fixed Rate 2024-08-29 5.21%
    Charlotte - Concord - Gastonia 15 Year Fixed Rate Refi 2024-08-29 5.45%
    Charlotte - Concord - Gastonia 30 Year FHA 2024-08-29 5.77%
    Charlotte - Concord - Gastonia 30 Year FHA Refi 2024-08-29 6.03%
    Charlotte - Concord - Gastonia 30 Year USDA 2024-08-29 5.81%
    Charlotte - Concord - Gastonia 30 Year USDA Refi 2024-08-29 6.12%
    Charlotte - Concord - Gastonia 30 Year VA 2024-08-29 5.62%
    Charlotte - Concord - Gastonia 30 Year VA Refi 2024-08-29 4.8%
    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