What people paid for mortgages in Mecklenburg County, NC (2025)
Across 12,839 closed home-purchase loans in 2025, the median interest rate in Mecklenburg was 6.375%, and the middle half of borrowers got between 5.99% and 6.75%. Median total loan costs ran $5,532 on a median loan of $395,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.375%
- Middle half of rates
- 5.99%–6.75%
- Median total loan costs
- $5,532
- Median loan amount
- $395,000
12,839 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.617%
- Median total loan costs
- $6,310
- Median loan amount
- $355,000
5,208 loans, 2025.
Lowest median rates in Mecklenburg (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.VANDERBILT MORTGAGE AND FINANCE, INC.4.875%37 loans, median costs $10,401
- 2.MATTAMY HOME FUNDING, LLC5.312%156 loans, median costs $4,942
- 3.Loandepot.Com, LLC5.375%197 loans, median costs $10,720
- 4.DHI MORTGAGE COMPANY, LTD.5.5%127 loans, median costs $1,136
- 5.STATE EMPLOYEES'5.825%292 loans, median costs $5,085
Among lenders with at least 30 closed purchase loans in Mecklenburg County in 2025.
Refinance
- 1.STATE EMPLOYEES'5.5%146 loans, median costs $3,688
- 2.PENNYMAC LOAN SERVICES, LLC5.75%181 loans, median costs $8,626
- 3.VILLAGE CAPITAL & INVESTMENT LLC5.75%38 loans, median costs $7,646
- 4.Mortgage Research Center, LLC5.875%33 loans, median costs $3,730
- 5.Bank of America, National Association5.99%136 loans, median costs $3,739
Among lenders with at least 30 closed refinance loans in Mecklenburg County in 2025.
Lender by lender in Mecklenburg
Every lender that closed at least 5 qualifying loans in Mecklenburg County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 682 | 6.49% | $6,509 | $3,260 | $2,724 |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 659 | 6.5% | $7,682 | $3,285 | $2,422 |
| 3 | American Security Mortgage Corp. | 639 | 6.5% | $4,724 | $1,395 | $1,883 |
| 4 | MOVEMENT MORTGAGE, LLC | 627 | 6.562% | $5,567 | $1,873 | $2,304 |
| 5 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 598 | 6.624% | $5,765 | $1,814 | $3,079 |
| 6 | First National Bank of Pennsylvania | 514 | 6.125% | $7,596 | $3,925 | $9,661 |
| 7 | Bank of America, National Association | 420 | 6% | $4,082 | $1,407 | $3,967 |
| 8 | JPMorgan Chase Bank, National Association | 397 | 6.5% | $4,322 | $1,449 | $2,060 |
| 9 | Wells Fargo Bank, National Association | 319 | 6.125% | $5,037 | $2,195 | $1,400 |
| 10 | STATE EMPLOYEES' | 292 | 5.825% | $5,085 | $2,500 | n/a |
| 11 | NVR Mortgage Finance, Inc. | 254 | 6.25% | $6,934 | $4,383 | $7,991 |
| 12 | PULTE MORTGAGE LLC | 253 | 5.99% | $730 | $0 | $9,460 |
| 13 | Truist Bank | 240 | 6.125% | $4,942 | $1,250 | $1,454 |
| 14 | CROSSCOUNTRY MORTGAGE, INC. | 228 | 6.75% | $8,526 | $4,053 | $4,159 |
| 15 | Loandepot.Com, LLC | 197 | 5.375% | $10,720 | $1,689 | $10,512 |
| 16 | ZILLOW HOME LOANS, LLC | 195 | 6.5% | $6,263 | $3,553 | $2,902 |
| 17 | MATTAMY HOME FUNDING, LLC | 156 | 5.312% | $4,942 | $101 | $10,655 |
| 18 | PENNYMAC LOAN SERVICES, LLC | 155 | 6.499% | $6,444 | $1,594 | $2,330 |
| 19 | FOUNDERS FEDERAL CREDIT UNION | 137 | 6% | $5,185 | $2,295 | $3,015 |
| 20 | M/I FINANCIAL, LLC | 136 | 5.875% | $16,492 | $13,418 | $9,749 |
| 21 | DHI MORTGAGE COMPANY, LTD. | 127 | 5.5% | $1,136 | $0 | $3,504 |
| 22 | GUILD MORTGAGE COMPANY | 126 | 6.625% | $6,894 | $3,762 | $3,584 |
| 23 | Fairway Independent Mortgage Corporation | 125 | 6.75% | $5,728 | $2,317 | $2,096 |
| 24 | TOLL BROTHERS MORTGAGE COMPANY | 122 | 6.433% | $5,852 | $3,329 | $8,265 |
| 25 | U.S. Bank National Association | 119 | 6.5% | $4,998 | $1,245 | $4,703 |
| 26 | Regions Bank | 119 | 6.5% | $5,132 | $1,070 | $1,700 |
| 27 | Towne Bank | 116 | 6.49% | $8,183 | $4,060 | $3,365 |
| 28 | MUTUAL OF OMAHA MORTGAGE, INC. | 108 | 6.49% | $7,129 | $2,753 | $3,044 |
| 29 | Navy Federal Credit Union | 104 | 6.125% | $3,254 | $0 | $2,520 |
| 30 | Mortgage Research Center, LLC | 104 | 6.25% | $4,550 | $0 | $1,386 |
| 31 | Tripointe Connect, LLC | 103 | 6.25% | $7,074 | $1,490 | $6,376 |
| 32 | Primis Mortgage Company | 103 | 6.375% | $7,329 | $3,361 | $2,543 |
| 33 | PNC Bank, National Association | 102 | 6.375% | $4,586 | $1,210 | $1,150 |
| 34 | Alcova Mortgage LLC | 101 | 6.625% | $4,909 | $1,894 | $2,743 |
| 35 | Uwharrie Bank | 100 | 6.688% | $4,795 | $1,990 | $1,942 |
| 36 | Broker Solutions, Inc. | 100 | 6.5% | $9,427 | $4,696 | $3,830 |
| 37 | PROVIDENT FUNDING ASSOCIATES, L.P. | 99 | 6.5% | $4,311 | $1,125 | $1,140 |
| 38 | HOWARD HANNA FINANCIAL SERVICES, INC. | 98 | 6.606% | $4,627 | $1,495 | $2,170 |
| 39 | Ixonia Bank | 92 | 6.75% | $5,537 | $1,695 | $3,717 |
| 40 | First-Citizens Bank & Trust Company | 90 | 5.986% | $6,356 | $1,688 | $1,433 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Mecklenburg figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Mecklenburg County in 2025?
The median interest rate on closed home-purchase loans in Mecklenburg County, North Carolina in 2025 was 6.375%, across 12,839 first-lien, owner-occupied loans. The middle half of borrowers got between 5.99% and 6.75%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.