BEST OF
10 Best Charlotte Mortgage Lenders of 2021
If you’re looking for a mortgage in the Charlotte, North Carolina, metro area, you have many lenders to choose from. Here are the best options for you.
Charlotte, North Carolina, offers such a wide variety of mortgage lenders that it can be hard to pick one. NerdWallet evaluated Charlotte's leading mortgage companies in various categories to help you decide. Whether you're buying a bungalow in Dilworth or refinancing a condo in Uptown, these national and local lenders are a solid place to start.
Charlotte, North Carolina, offers such a wide variety of mortgage lenders that it can be hard to pick one. NerdWallet evaluated Charlotte's leading mortgage companies in various categories to help you decide. Whether you're buying a bungalow in Dilworth or refinancing a condo in Uptown, these national and local lenders are a solid place to start.
Summary of Best Charlotte Mortgage Lenders of 2021
Lender | NerdWallet Rating | Minimum Credit Score | Minimum Down Payment | Learn More |
---|---|---|---|---|
Best for FHA loans | 580 | 3.5% | at Quicken Loans | |
Best for FHA loans | 640 | 3.5% | at Fairway Independent Mortgage | |
Best for refinancing | 620 | 3% | Read review | |
Best for refinancing | 620 | 3% | Read review | |
Best for jumbo loans | N/A | N/A | Read review | |
Best for FHA loans | 580 | 3.5% | at loanDepot | |
Best for VA loans | 660 | 0% | Read review | |
Best for first-time home buyers | 620 | 3% | Read review | |
Best for VA loans | N/A | 0% | Read review | |
Best for first-time home buyers | 620 | 3% | Read review |
at Quicken Loans
Quicken Loans: NMLS#3030
Min. Credit Score
Min. Down Payment
at Quicken Loans
at Fairway Independent Mortgage
Fairway Independent Mortgage: NMLS#2289

Min. Credit Score
Min. Down Payment
at Fairway Independent Mortgage
Bank of America: NMLS#399802

Min. Credit Score
National / Regional
BB&T (Truist): NMLS#399803

Min. Credit Score
Min. Down Payment
SunTrust (Truist): NMLS#2915

Min. Credit Score
Min. Down Payment
at loanDepot
loanDepot: NMLS#174457

Min. Credit Score
Min. Down Payment
at loanDepot
Flagstar: NMLS#417490

Min. Credit Score
Min. Down Payment
Caliber: NMLS#15622

Min. Credit Score
Min. Down Payment
Navy Federal: NMLS#399807

National / Regional
Min. Down Payment
Carrington: NMLS#2600

Min. Credit Score
Min. Down Payment
Local mortgage lenders in Charlotte
These mortgage lenders are based in or near Charlotte and are among the metro area's most active mortgage providers. They have not been reviewed by NerdWallet.
Homegrown lender that now has a national presence.
Mobile app lets you start your application and sync bank statements and tax software, reducing paperwork.
Aims to deliver a loan decision within six hours.
Offers low-down-payment, jumbo, FHA, VA and USDA mortgages, plus condo loans up to $3 million.
One of Charlotte's best-known brands for homebuying and refinancing.
Lets you track loan status online, plus get email notifications of milestones such as receipt of appraisal.
"Second Look" program encourages rate-shopping from people who have been preapproved by competing lenders; posts mortgage rates on its site.
Offers 15- and 30-year fixed-rate mortgages and 5/1 ARMs as well as jumbo, FHA, VA and USDA loans.
No lender fees for application, processing or documentation for most loans.
More-personalized mortgage rates are available on the site with no registration required.
Fixed-rate loans with terms from 30 to 10 years, plus 5/1 and 5/5 ARMs, and possible 100% financing.
Schedule a callback from a loan officer within four-hour windows.
Borrowers must meet membership eligibility requirements.
Offers conventional, jumbo, FHA, VA and USDA loans.
Get a conventional loan with a down payment as low as 3%.
Jumbo loans are available for up to $3 million.
More from NerdWallet
Last updated on January 21, 2021
Methodology
NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.
To recap our selections...
NerdWallet's Best Charlotte Mortgage Lenders of 2021
- Quicken Loans: Best for FHA loans
- Fairway Independent Mortgage: Best for FHA loans
- Bank of America: Best for refinancing
- BB&T (Truist): Best for refinancing
- SunTrust (Truist): Best for jumbo loans
- loanDepot: Best for FHA loans
- Flagstar: Best for VA loans
- Caliber: Best for first-time home buyers
- Navy Federal: Best for VA loans
- Carrington: Best for first-time home buyers