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refinance lenders · HMDA 2023–2025

Refinance lenders in Mecklenburg County, North Carolina

Fat Boy Data analyzed mortgage refinance activity in Mecklenburg County, North Carolina to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 12,765 applications were decided by 361 lenders between 2023 and 2025.

Mecklenburg County at a glance

361Active lenders74 with 20+ decisions
75.6%Market approval rate9,654 of 12,765 decided
$265KTypical loanmedian lender, $10K brackets
94%Borrower take-up9,079 loans funded

How Mecklenburg County compares

Approval rate compared
Mecklenburg County75.6%North Carolina77.3%All 616 counties76.5%
Typical loan compared
Mecklenburg County$265KNorth Carolina$205KAll 616 counties$295K

What the data shows

Bank of America, National Association made the most mortgage refinances in Mecklenburg County, NC, 755 of them.

American Security Mortgage Corp. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 126.

The typical mortgage refinance here is $265K, 29% larger than the North Carolina typical of $205K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Amerisave Mortgage Corporation: 16% approved of 38Carrington Mortgage Services, LLC: 29% approved of 28Discover Bank: 30% approved of 221Navy Federal Credit Union: 38% approved of 34Lakeview Loan Servicing, LLC: 44% approved of 180Mortgage Research Center, LLC: 46% approved of 102Spring Eq, LLC: 54% approved of 56Pentagon Federal Credit Union: 57% approved of 47Truliant Federal Credit Union: 58% approved of 787Founders Federal Credit Union: 60% approved of 35Sharonview Federal Credit Union: 63% approved of 65State Employees': 66% approved of 1,139Truist Bank: 66% approved of 735Royal United Mortgage LLC: 69% approved of 32First National Bank of Pennsylvania: 69% approved of 231Third Federal Savings And Loan Association Of Cleveland: 69% approved of 193Newrez LLC: 70% approved of 116PNC Bank, National Association: 70% approved of 324Civic Federal Credit Union: 71% approved of 68Regions Bank: 71% approved of 62Skyla Federal Credit Union: 72% approved of 106Milend, Inc.: 72% approved of 57Fifth Third Bank, National Association: 72% approved of 329Allegacy Federal Credit Union: 75% approved of 117Onity Mortgage Corporation: 76% approved of 33First Horizon Bank: 76% approved of 62COASTAL Federal Credit Union: 76% approved of 68Bank of America, National Association: 77% approved of 996First-Citizens Bank & Trust Company: 77% approved of 758SouthState Bank, National Association: 79% approved of 145Wells Fargo Bank, National Association: 80% approved of 186United Community Bank: 80% approved of 93TD Bank, National Association: 80% approved of 60Citizens Bank, National Association: 81% approved of 122Loandepot.Com, LLC: 81% approved of 80United Bank: 81% approved of 27Pinnacle Bank: 82% approved of 94Amerihome Mortgage Company, LLC: 82% approved of 28Finance of America Reverse LLC: 84% approved of 79Rocket Mortgage, LLC: 84% approved of 627Mutual of Omaha Mortgage, Inc.: 85% approved of 120Fairway Independent Mortgage Corporation: 86% approved of 35Longbridge Financial, LLC: 87% approved of 31United Wholesale Mortgage, LLC: 88% approved of 910Pennymac Loan Services, LLC: 89% approved of 227TowneBank: 90% approved of 63U.S. Bank National Association: 91% approved of 44Village Capital & Investment LLC: 91% approved of 124Sofi Bank, N.A.tional Association: 91% approved of 46Nationstar Mortgage LLC: 94% approved of 93Crosscountry Mortgage, LLC: 94% approved of 70Sage Home Loans Corporation: 94% approved of 35JPMorgan Chase Bank, National Association: 95% approved of 136Alcova Mortgage LLC: 96% approved of 49Freedom Mortgage Corporation: 96% approved of 336Movement Mortgage, LLC: 97% approved of 153Cmg Mortgage, Inc.: 97% approved of 32Provident Funding Associates, L.P.: 98% approved of 59American Security Mortgage Corp.: 100% approved of 126Atlantic Bay Mortgage Group, L.L.C.: 100% approved of 99

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Mecklenburg County

LenderApprovalApprovedTaken upTypical loanLoans made
1State Employees'66%747 / 1,13999%$105K740
2Bank of America, National Association77%765 / 99699%$205K755
3United Wholesale Mortgage, LLCBroker only88%797 / 91096%$405K763
4Truliant Federal Credit Union58%454 / 78795%$115K432
5First-Citizens Bank & Trust Company77%587 / 75894%$255K552

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 356 more lenders.

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Other lending data for Mecklenburg County

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Nearby markets

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