9 Best Charlotte Mortgage Lenders of 2021

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.

Movement Mortgage

• 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.

Allen Tate Mortgage

• 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.

Sharonview Federal Credit Union

• 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.

Cardinal Financial Company

• 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.

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