Refinance lenders in Cleveland County, North Carolina
Fat Boy Data analyzed mortgage refinance activity in Cleveland County, North Carolina, home to Shelby, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,028 applications were decided by 108 lenders between 2023 and 2025.
Cleveland County at a glance
How Cleveland County compares
What the data shows
State Employees' made the most mortgage refinances in Cleveland County, NC, 150 of them.
Freedom Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 94% of 31.
The typical mortgage refinance here is $105K, 49% smaller than the North Carolina typical of $205K.
Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.
Refinance lenders in Cleveland County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | State Employees' | 77% | 150 / 195 | 100% | $105K | 150 |
| 2 | Truliant Federal Credit Union | 61% | 54 / 89 | 98% | $105K | 53 |
| 3 | Truist Bank | 75% | 50 / 67 | 96% | $105K | 48 |
| 4 | United Wholesale Mortgage, LLCBroker only | 86% | 54 / 63 | 87% | $285K | 47 |
| 5 | Rocket Mortgage, LLC | 84% | 49 / 58 | 98% | $195K | 48 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 103 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest mortgage refinance lenders in Cleveland County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
- Every lender in the market
- Approval rate and borrower take-up
- Typical loan size and range
- Nearest office and distance
- Branch count and application options
- How easy each lender is to reach
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